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$BHP $FCX & $RIO &VALE- Miners heading for new highs & a TOP-SECRET PLAY!
The past 5 trading days have shown strong reversal patterns for these three miners and although, less pronounced - $VALE. $BHP, $RIO &$VALE - #2, #3 & #5 miners in the world respectively.
https://preview.redd.it/avmhkuuwkdg61.jpg?width=1170&format=pjpg&auto=webp&s=e5f590de8987b9c5dff61f7d3dd1904605d52cfd I know what you are thinking - "this must be part of the steel play you've been talking about non-stop since December. . .blah, blah, blah. . .yeah, we know. . .don't need anymore CB from you." That's Confirmation Bias for the newbies. I know, if you are here you know about steel and why I like $MT - hey, it was up today - I think we see more price run due to $MT being able to unload $CLF shares - which I also think is bullish for $CLF and yes, I'm buying more $CLF on the dip tomorrow. It was a brilliant move, in my opinion, by our boy, LG @ $CLF. He clears the deck before the earnings call and this is seen as a bullish move to pay off 9.875% high interest notes with a share offering of 60 million, 40 million of which is being sold by $MT. 20 million shares by $CLF. I'll have more coming on these two, but I like the move for both. So, back to the miners - $BHP, $FCX, $RIO & $VALE. I do like the iron ore play on steel and believe we will see elevated prices considerably above historic norms for the remainder of 2021. However, what I like more than iron ore are the metals that are going into smartphones, computers, and batteries for EV's and infrastructure. So, we have: $BHP - https://www.bhp.com/our-businesses/ $FCX - https://fcx.com/ $RIO - https://www.riotinto.com/products $VALE - http://www.vale.com/EN/business/mining/Pages/default.aspx The increased demand of: NICKEL - been on a tear since March lowshttps://www.investing.com/commodities/nickel-historical-data- the price is more tied to stainless steel, but Battery Plays are driving speculation. COPPER - The price of copper is believed to provide a reliable measure of economic health, as changes to copper prices can suggest global growth or an upcoming recession. With high volatility and strong liquidity, copper is attractive to traders. Copper spot price is affected by extraction and transportation costs, as well as supply and demand. https://preview.redd.it/q7im2jyesdg61.png?width=2004&format=png&auto=webp&s=647e1ce78cdef7e774eb8b6161ee18c019d2c994 ZINC - sharp recovery since March lows, following all other metals -https://uszinc.com/services/lme-pricing/ ALUMINUM - recovery following other metals to new highs: https://preview.redd.it/4t5icp7atdg61.png?width=1222&format=png&auto=webp&s=483d5c88a01399ea47ad28278d0a9f27f2bdbe5e BTW, I'm bullish AF on $AA, but that too is a DD for another day. Now the Confirmation Bias:
COPPER
https://www.mining.com/copper-price-lifted-by-us-stimulus-china-inventory-squeeze/ Copper prices rose on Monday as optimism around a US stimulus raised hopes of higher demand for metals and a recovery in the world’s biggest economy. The copper price rose as much as 1.3% to $3.6745 ($8,100 a tonne) on the Comex market on Monday, with March delivery contracts back within shouting distance of multi-year highs hit early in January. The metal has rallied nearly 90% since the depth of the pandemic in March.
Thinning inventories
The rise in copper prices is underpinned by thinning inventories that pointed to higher demand for the industrial metal. “Inventories are still quite low on exchanges. That gives good indication that manufacturing demand for copper is present and that its not just a speculative story,” Nitesh Shah, an analyst at investment manager WisdomTree, told Reuters. In China, the world’s top consumer, copper inventories normally accumulate in the run up to the Lunar New Year as businesses close for the week-long festivities. But this year, Chinese inventories have dropped to near decade lows on robust demand from factories, which are maintaining high operating rates due to shortened shutdown periods and tighter travel restrictions for workers. Meanwhile, effects of the coronavirus pandemic on copper supply continues to be felt. In what was supposed to be a year of supply growth, global mined output during the first 10 months of 2020 were 0.5% lower compared to 2019 levels, according to the International Copper Study Group (ICSG). In Peru, the world’s second-biggest producer, copper output plunged 12.5% to 2.15 million tonnes in 2020, the country’s Energy and Mines Ministry said on Monday.
Copper miners gain
Despite copper prices hitting a slump in the second half of January, the world’s top copper producers have continued to rally this year after spectacular gains in 2020. Shares of BHP, the largest publicly traded copper company, are up 6% year-to-date. Copper, like most commodities, has been a cyclical investment whose demand ebbs and flows with economic cycles. Traditionally, roughly half of all copper demand has come from new building construction and infrastructure, China has been the single biggest market by far. With many global economies in or entering recovery phases, cyclical demand is on the upswing. Green initiatives around the world offer a secular tailwind as well. The European Green Deal, President Joe Biden’s ambitious climate plan, and China’s target of carbon neutral by 2060 all point to increasing incremental demand for copper. Although mining stocks have in many cases quadrupled since their March 2020 lows, many names are still trading below their previous highs, and at a time when fundamentals are improving. TakeFreeport-McMoRan, $FCX, a Phoenix-based company whose business is roughly 70% copper, 20% gold, and 10% other. The stock plummeted to $7 a share during the selloff last spring and has since recovered to a recent $30. But it is still about half what it was at previous highs of around $60 in early 2008 and 2011. The big news on copper yesterday was regarding $RIO and the Mongolian situation. Feb 8 (Reuters) - Mongolia's government is seeking to cancel a deal with miner Rio Tinto to expand the OyuTolgoi copper mine in the Gobi Desert and replace it with a new agreement, the Financial Times reported. https://www.miningweekly.com/article/mongolia-seeks-more-tax-revenue-from-rio-copper-mine-expansion--source-2021-02-09/rep_id:3650 Many thought this was potentially bad news for $RIO, but it appears it's about working out a little more tax dollars for the government and a deal will be struck. The underground expansion will push annual production to nearly 500,000 tonnes per year, making it among the world’s biggest copper mines
Global copper demand
As mentioned above, it’s not likely that copper demand will slow down in 2021. In the US, new home and home renovation demand spiked since the pandemic started, along with electronics demand. Analysts at CitiBank expect the copper market to shift into a deficit in the second half of the year with a minor surplus overall for 2021, Reuters reported. They also forecast deficits in 2022 and 2023. The US Census Bureau and the US Department of Housing and Urban Development reported building permits in December increased by 4.5% compared to November and 17.3% above the December 2019 rate. Privately owned housing continued to increase in December, rising by 5.8% from the previous month and by 5.2% compared to December 2019. The uptrend started in September 2020. China will continue to play an important role in the copper market. The country accounts for about half of global primary consumption, which is then used to manufacture export goods. According to the aforementioned Reuters report, appliances output also increased in China. Similarly, China’s refrigerators exports went up by 45% in December 2020 compared to December 2019. During the same period, exports of microwave ovens rose by 35%.
Indonesian copper smelter
Indonesian politician Luhut Pandjaitan, said Freeport-McMoRan, $FCX and Tsingshan Holding Groupreached a $2.8 billion deal to build a copper smelter in Indonesia’s Weda Bay. The smelter would process copper concentrate from the Grasberg mine. Luhut did not report a timeline, per the report. “The smelter will produce copper pipes and wires of which output can be worth $10 billion or more,” the minister reportedly told IDX Channel. The smelter will aim to produce copper products to be used in lithium battery components. Indonesia is working to build an electric vehicle supply chain, as it is also a major nickel producer.
ALUMINUM
https://www.thomasnet.com/insights/aluminum-can-sourcing-sees-unprecedented-surge-amid-white-claw-truly-hard-seltzer-craze/ https://www.bloomberg.com/news/articles/2021-01-19/aluminum-buyers-forced-to-pay-up-after-underestimating-recovery - more profits coming. All told, the outlook for aluminum in 2021 looks better than it did even three months ago. Fourth quarter prices rose about 9% yoy and 12% qoq to $1,914/t, the best prices since the fourth quarter of 2018. What's more, with the global economy recovering, management is calling for roughly 7% demand growth in '21, ahead of supply growth, and a more balance market for the year. With that, I think there's a good chance for aluminum prices to average out over $2,100/t in 2021 - the best price on an annual basis since 2011 (though just barely above 2008). As always, a great deal rides on China - Chinese producers have a history of being less than responsible when it comes to supply, but Chinese demand is looking more robust and the government has been increasingly stringent with less efficient, more polluting smelters, so the volume risk here may not be as troubling as before. Then the big news many in the US had been waiting for and potentially an insight to what Biden will do about Section 232 Steel Tariffs; https://agmetalminer.com/2021/02/08/aluminum-mmi-us-reinstates-tariff-on-aluminum-imported-from-uae/
High aluminum scrap demand
A Midwest-based trader told Construction & Demolition Recycling that demand for aluminum scrap remains high at secondary smelters that supply the automotive industry in the U.S. Chad Kripke, an executive vice president of Kripke Enterprise, a nonferrous scrap brokerage firm, confirmed that many sellers are relying on the spot market rather than signing contracts for 2021. This signals that it is a seller’s market. This market environment is due to the reduced flows of scrap, which has caused spreads to tighten. As a result, secondary producers are opting to purchase scrap at what they might view as high prices rather than risking a lack of material. The Application of the World Aluminum Alloy Sheet Market 2021-2027 as follows: Building and construction Automobiles and transport Aerospace and defence Industrial and general engineering This screams recovery play and Infrastructure spending.
NICKEL & ZINC
You really can't mention one without the other, especially when it comes to batteries: Nickel-zinc (NiZn) chemistries are the primary competitors displacing lead-acid in the marketplace. Both promise smaller footprints and longer operational life than lead-acid batteries. While the tradeoffs of lithium-ion batteries are more well known, given their wide use in other energy storage applications, NiZn technology has specific advantages in terms of reliability, safety, and sustainability over both lead-acid and lithium-ion solutions. It is abundantly clear that the future of high energy batteries will converge on layered oxides increasingly rich in nickel. ... Early lithium-ion batteries comprised a cathode of lithium cobalt oxide [LiCoO2] and an anode of graphitic carbon. Cobalt can be replaced by other metals such as manganese, nickel, and aluminum. https://preview.redd.it/5vs07d488eg61.png?width=1214&format=png&auto=webp&s=3e7482bf908e4c8c665cb815fdc257f77c6390b1 With the rising demand for EVs, the need to secure critical nickel supplies is becoming ever more pressing for battery producers and automakers alike. Fitch currently forecasts global EV sales to rise by 41.9% to reach over 4.3mn units in 2021 with sales expected to breach the 14mn mark by 2030. This accelerated pace of EV sales growth will place strong upward pressure on the price of raw materials used in batteries and will force battery producers to develop more affordable batteries, Fitch asserts, which more often than not means higher nickel content and lower cobalt content. And the 500 Pound Gorilla - $TSLA https://www.mining.com/tesla-investment-to-position-indonesia-as-ev-battery-production-hub-report/ BTW, do you know who the largest nickel miner in Indonesia is? $VALE http://www.vale.com/indonesia/EN/investors/indonesia-investors/company/at-glance/Pages/default.aspx $VALE + $TSLA = $VALE's moon rocket. . . As I have said from my first postings in this series on steel, scrap, ore - these metals I have just listed will be the complimentary plays becoming the body of 2021, with steel remaining the backbone. Some extra knowledge on the most expensive metals as of today and a good stock to capture the increased costs and demand:
Rhodium
Relatively unknown to the layperson, rhodium is quietly one of the hottest trades right now, after a price surge of more than 30% this year. Rhodium previously peaked – and quickly crashed – in 2008 at more than $10,000 per troy ounce (ozt), but the metal is now trading above that 2008 high on the back of a swell in demand from the automotive industry. Rhodium is used in catalytic converters, a part of vehicle exhaust systems that reduce toxic gas emissions and pollutants. According to S&P Global Platts, almost 80% of demand for rhodium and palladium comes from the global automotive industry. Fortunately for South Africa at least, around 80% of all rhodium is mined within its borders. Part of the reason for the metal’s price leap is its rarity. Annual rhodium production sits at around 30 tonnes – to place that in context, gold miners annually dig up between 2,500 and 3,000 tonnes of the precious metal. Rhodium also benefitted from the Volkswagen emissions scandal, or Dieselgate, the 2015 emissions scandal that rocked the automotive industry. With major economies including China and India tightening emissions rules, platinum group metals (PGM) miners are anticipating good times ahead for rhodium.
Palladium
Rhodium’s little brother palladium also did well out of the Dieselgate scandal. After sales of diesel vehicles slumped and petrol alternatives came back into fashion, platinum – used primarily in catalytic converters for diesel vehicles – took a tumble, while petrol-friendly palladium rose. Palladium is the most expensive of the four major precious metals – gold, silver and platinum being the others. It is rarer than platinum, and is used in larger quantities for catalytic converters. In the near-term, the demand for metals used in catalytic converters is expected to be steady, buoyed by growing automotive sales in Asia. However, the increased uptake of battery-electric vehicles – which do not use catalytic converters – could see palladium demand take a hit.
Platinum
The namesake of the platinum-group metals is also the worst-performing on the market, having taken a huge hit from the Volkswagen emissions scandal. Platinum’s primary use has been in catalytic converters for diesel vehicles – 45% of the platinum sold in 2014 went to the automotive industry. As consumers and manufacturers moved away from diesel in the wake of Dieselgate, platinum lost out to palladium, which performs better in petrol vehicles. Platinum traditionally traded at a higher price than gold and combined with platinum’s rarity compared with gold, “platinum” as an adjective has come to be associated with a higher level of prestige than gold. Despite platinum’s troubles and gold now trading above it, that reputation has stayed. Platinum deposits are largely concentrated in South Africa, with the country supplying around three-quarters of the world’s demand. Anglo American Platinum, Impala Platinum and Lonmin make up the top global platinum producers. Which brings me to Sibayne Stillwater - $SBSW, which has also shown a strong reversal over the same time as these other stocks shared above: https://preview.redd.it/qo083s8ofgg61.png?width=1170&format=png&auto=webp&s=3c54b8a6a79bb8d85fd72eadf13cf2735bf3a8b3 https://www.sibanyestillwater.com/about-us/ Sibanye-Stillwater is a leading international precious metals mining company, with a diverse portfolio of platinum group metal (PGM) operations in the United States and Southern Africa, gold operations and projects in South Africa, and copper, gold and PGM exploration properties in North and South America. It is the world’s largest primary producer of platinum and rhodium, the second largest primary producer of palladium and a top tier gold producer, ranking third globally, on a gold-equivalent basis, as well as a significant producer of other PGMs and associated minerals such as chrome. SBSW is also the globally leading recycler and processor of spent PGM catalytic converter materials. https://www.kitco.com/news/2021-02-05/Sibanye-Stillwater-earnings-surge-on-higher-metal-prices-and-solid-performance.html Sibanye-Stillwater said despite COVID-19 disruptions, its expected earnings increase was underpinned by a solid operational performance, higher metals prices and a weaker rand. "The production contribution from the Marikana operations for the full 12-month period, following the acquisition of Lonmin in June 2019 and the realisation of significantly higher than forecast synergies, along with a notable return to profitability from the SA gold operations, following the strike in H1 2019, were the main drivers of this operational performance," the company said. The Minerals Council South Africa recently estimated the country's production was down 10-12% in 2020 due to the pandemic and logistical shortcomings but mining GDP was only down 4% thanks to the rise in commodity prices. Everything I have laid out on previous DD's regarding steel and metals are all based on recovery demand, global infrastructure investment which will ultimately cost $$$. This money is going to be printed by the US treasury, which will further weaken the $USD and this weakening in the value of the dollar will increase the value of commodities proportionally. https://preview.redd.it/6jhk8gigjgg61.png?width=1948&format=png&auto=webp&s=4a1084854d8a719bf0f1a70c3f798720f4e3ad9e Expect the value of the DXY to touch 52 week lows of $89.21 and most likely set lower lows as TRILLIONS more are printed and put into the economy. https://www.cnbc.com/2021/01/14/powell-sees-no-interest-rate-hikes-on-the-horizon-as-long-as-inflation-stays-low.html The Fed currently is keeping its benchmark short-term borrowing rate anchored near zero and is buying $120 billion in bonds. At its December meeting, it said those measures would stay in place until substantial progress is made towards the Fed’s inflation and employment goals. That means the central bank will be more inclined to allow inflation to run higher than the standard 2% target before hiking interest rates. I believe we will see inflation continue to run on commodities. https://www.cnbc.com/2021/01/12/feds-esther-george-cautions-that-inflation-could-rise-faster-than-expected.html Inflation could rise faster than “some might expect” as the economy recovers from the pandemic, Kansas City Fed President Esther George said. Lastly, oil. I have said steel will follow oil and usually it is 6 weeks behind moves in oil prices. https://preview.redd.it/szjhhl88ngg61.png?width=1592&format=png&auto=webp&s=e79b4671a1d719202d6d98a0fdd1e192f93c24e0 After a rocky 12 months, oil prices — which got crushed when Covid-19 slashed demand for energy around the world — are roaring back. What's happening: Brent crude futures, the global benchmark, have breached $60 per barrel, their highest level since January 2020.The immediate catalyst appeared to be weekend remarks from President Joe Biden that the United States will not lift sanctions on Iran to get the country back to the negotiating table. But oil prices have been on the upswing for months thanks to optimism that coronavirus vaccines will unleash demand while producers avoid flooding the market with supply. The bonus with $BHP is you get oil and steel in one play. Again, I am a value investor and I like to find value where others shy away from and commodities are the red-headed step child that I believe will shine in 2021 for all the reasons I have laid out here and in previous DD's. I am not your personal financial advisor and do your own research. Good luck! -Vito
5+ Years of budgeting, finally crawling out of the hole
Long Post Ahead TL;DR: budget even if you're poor. you'll be ready when things turn around. life will change. be ready when it does whether its good or bad. its ok to spend wisely on things that are important to you. learning about personal finance before you're cashed up will help you so much. . . . Hello poverty finance from Australia. Its taken years to go from unstable poor to stablish - low income household. I have lived under the poverty line and just above it for a very long time. I probably just learn too slowly when it comes to finances. But as of 2021, I can say that if the new job holds, I'll finally be heading out of it. Please be nice. I know I've made mistakes. Just trying to own them and do the best I can. I wanted to share my timeline with you all. For me, the journey hasn't been linear. But every damn month I would look at my spreadsheet and work out what I could do. As a type this on my dying budget smartphone with a cracked screen on my 3G prepaid phone plan, I hope someone out there finds it useful. I know it can feel pointless budgeting peanuts. But in my experience it allowed me to allocate the money to the things that were important to me. Which for me, is providing for my kids. I scrimped and save and make sure they get quality shoes, go to a good school, get to do some fun things and we eat well. When extra money came in, I knew how to handle it. My friends bought houses, had phone plans and new high end phones, took out car loans, travelled, had expensive weddings and decent home internet. One of my friends earned more than double what I did, but lived pay to pay and always had less. I kept out of debt and did everything to get bills under control. I try to get secondhand clothes from friends for my kids and I where possible. I always left myself some fun money where possible for my kids even if it was just for a hot chocolate. I discovered if I save too aggressively and deprive myself too much I cancel my automatic transfers and then spend the cash. I bought everything outright. Or I didnt get it. Never use afterpay. Sometimes I use layby. Automating small transfers to my untouchable savings account changed my life. I was blessed to not have a rent increase between 2012-2020. Mostly cos the place was a dump and the owner didnt want the hassle of finding another tenant. dealing with rat infestations while your in your 3rd trimester of pregnancy in your mouldy house isnt fun. but having a roof over our heads wasn't something I would compromise. Commuting for 4 hours a day partially by ferry with a 1 week old during a measels outbreak to get your older child to school isnt fun. After my first pay from work this year, I realised i had a month worth of expenses banked. I hope to keep moving onwards and upwards. Australia has socialised health care and deferred study loan payments as well as partial family welfare for working parents and child care subsidies. . . 2012 . .
No car (Car repossessed 2010)
House with ex repossessed
Credit card debt
1 baby no financial support from other parent
Burnt through savings
Regularly having account in negative
Renting Run down 1bdrm semi.furnished house in a regional area
Addicted to smoking
Depressed
prepaid phone . .
2013
Still no car
Signed up for diploma 22K deferred student loan
shaved my head #2 cut, bought clippers and stopped spending money on hair.
12 hour days, 90min commute each way 5 days a week
Electricity shut off for 2 weeks
Toddler getting sick regularly from daycare
Quit smoking
Recieved a windfall and spent it all on 12month ymca gym membership paid upfront and got an extra month free
Started yoga and pilates at the gym
Still cant control money, account in negative regularly
Got free food from neighbours sometimes
planted tomatoes and basil
started a meetup group (didnt make any money) to meet people. used groupon discounts to organise events or did free stuff
prepaid phone . .
2014
still no car
started university
12 hour days, 90min commute each way 5 days a week
toddler needs operation from getting ear infecfions at daycare
total burnout, failed some subjects at uni
closed the meetup group
still growing food
money still not covering expenses
prepaid phone
volunteered and scored free tix to a festival and met cool people
accessed retirement fund due to financial hardship to pay urgent expenses
doing yoga whenever i have any spare money
. . 2015
started a budget
started learning about FIRE
did some more volunteering, made new connections which lead to more volunteering.
still no car
still attempting to study not doing great
still depressed
prepaid phone
eating healthier
doing yoga whenever i have spare money
account isnt in negative as often
saved my first 1K emergency fund
used emergency fund
bills are getting paid on time
account stays in the black
. . 2016
flunked out of uni
still budgeting
opened an untouchable savings account
still learning about FIRE. taught me flashy toys don't equal wealth
learning about minimalism
making lifestyle changes
still no car
prepaid phone
asked to be on a committe for a festival. got paid a small sum. direct result of prevous volunteering
bills get paid on time
any windfalls go straight into untouchable savings . .
2017 * made last payment on credit card debt
child started school. could buy school supplies with meagre savings
still budgeting
bought a cheap car with cash from the money in untouchable account
saved money, had savings wiped by unexpected bills
prepaid phone
car accident. car gets written off. insurance pays me more than i paid originally. i buy another older but sportier car in cash new car is a lemon. drain untouchable savings repairing it
. . 2018
still budgeting
still prepaid phone
make regular small deposits to untouchable savings
start putting away bill money in untouchable account
earn small bonuses at work. put some extra money in my kids account
get a tax penalty for my bonus forced to pay 70% to tax office in instalments
car playing up. its still drivable and i cant afford to replace it so ... meh
lodge some outstanding tax returns and get bonus money.
i take up hiking and buy hiking boots with cash
buy uniforms for my kid and pay school fees and other bills in advance
get pregnant boyfriend relapses after a long period of sobriety and im left alone
tell my doctor im struggling and get a referall to see a psych. i get a rebate but its expensive. best money ive ever spent.
i super frugally prepare for baby. find out im having a boy and hit up friends with kids for hand me downs. score bigtime.
. . 2019
still budgeting
still prepaid phone
im eligible for maternity pay from my last job because of my years spent budgeting im able to stretch and live within our means
i get a free newborn baby photo shoot by signing my baby up to be a model in a photographers workshop
we have no nursery at home. i let my older girl sleep upstairs in the bedroom and slept on an airmattress downstairs next to the babys cot for 5 months.
thank god i can breastfeed and dont buy formula
i take out more retirement $$ due to hardship
spend 4hours a day commuting with baby to take daughter to school and realise i need to move
look for a new rental but cant afford to move back to the city, or anywhere close at all.
pause all savings and just scrape by
. . 2020
still budgeting
still prepaid phone
decide to attempt to study at uni again to improve job prospects
daughter has to be homeschooled due to pandemic
defer studying until 2021
not commuting for school saves us so much time and money
i get back on track with small deposits to untouchable account
australian goverment starts stimulus money. i save ALL of it
buy a cheap reliable older car from a family member with cash
flight prices bottom out and i get cheap flights to visit an aunt and have a holiday.
realise cost of living and lifestyle in this city is good while holidaying
find a pet friendly rental, apply and am accepted before i flew home. empty retirement $, get rid of most of my belongings and drive 1700km (1056 miles) to move to new city within 2 weeks.
car played up on the way, and for reasons unknown the mechanic only charged me an hours labour to check it out.
no furniture, no tv. no dining table. picnic set to eat off of. camp chairs. travel.cot, mattresses on the floor. still better than before. we have ceiling fans! and air con. and no mould.
we live walking distance from a school. school fees are less. no commuting.
i find free exercise classes
december 2020 i get a new part time job, and negotiate the salary . .
2021
still budgeting
still prepaid phone
have a dining table, storage ottoman /seat and kids beds now
started new job
set up automatic savings transfers until june 2021. going to try my best to build an emergency fund and maybe even invest. rebuilding retirement fund asap.
study is commencing soon
still shave my head. cos ladies can rock this look too 😁
My guide to start working online. After doing this for three years, I am on track to make $40,000 this year from it.
I have posted something very similar here a few times, and it usually gets a good amount of attention. I apologize if you have seen it before, but some people haven't and they could use the money. In 2018 I made about 15k from this guide (give or take a few sites). In 2019 it was closer to 25k. This year I am on track to make 40k. I also want to preface this by saying that this post has refs in it. Some are mine, some are random Redditors, and some don't have one. If that upsets you for some reason, click the link, delete the stuff after .com and submit again and that will take care of it.
Top deals for September 2020
Swagbucks $10-$35 Hulu deal Right now SB has another deal where you get credits to sign up to Hulu with the $5.99 plan. It may only be $20 or it may be $35 when you check as they seem to change it day to day. Since this deal has new terms, the credits might be paid out immediately or after 32 days. The credits can be used for Amazon GC or PayPal credit (both take a few days to get processed). Not only that, but you can get a $25 Amazon GC for $22 worth of points, so you can make even more. You can cancel the subscription after 8 days, but no sooner so you don't lose the points. So, five minutes of work for the equivalent of $16-$29 and a free month of Hulu. $50 from SoFi for opening an account and direct depositing This one will require you to have $500 that you can direct deposit. SoFi Money is a savings account, fee-free, 2% APY annual; so typical bank account. This deal will require you to use your SSN, link a bank account, and do a soft pull with Experian to complete. You just need to create a SoFi Money account through the link, deposit $500 twice to the account, and wait for a few days. After the deposit clears (1-2 business days), SoFi will instantly give you $50 bonus. After you get the $50 bonus you can pull out all money and close the account or keep using it. Another $50 from SoFi but for stocks After you get the $50 sign up bonus from SoFi Money, flip it through this link and fund the invest account. Since I (and you now) already had an account, it literally took under 5 minutes to set up and fund the account. Either way you do it, SoFi will give you an additional $50 in free stock of your choice. Keep it and hope it grows, or sell it for the quick $50 profit. $50 from Chime for opening an account and depositing $200 Pretty much the same exact set up as SoFi. This one will require you to have $200 that you can do without for a few days. You just need to create the Chime account through the link, deposit $200 to the account, and wait for a few days. It says direct deposit only, but this tested and worded with just connecting a bank account and doing the deposit. After the deposit clears (1-2 business days), Chime will instantly give you $50 bonus. After you get the $50 bonus you have to wait until your new debit card arrives and is activated before you can move the money out. $50 from eToro This is a crypto trading account. The same deal as the other ones. Fund the account using the ref link and get $50. The wait time on this one is usually around 7 business days. $10-$120 in crypto for watching videos and answering quiz questions $10 from Coinbase if you buy / sell $100 or more worth of crypto This is a crypto trading account. The link takes you to the account signup screen. After you create the account visit coinbase.com/trade and initiate a buy or sell (in case you transferred crypto into Coinbase from another account) of $100 USD or more (or 100 USD equivalent of your domestic currency) within 180 days of opening and you will receive a $10 bonus (or local equivalent). Orders can take up to 4 business days to complete. Pretty much just watch and answer videos for varying types of crypto. The crypto you earn will get deposited into the wallet you create, which can then be cashed out into USD. Depending on the day, you can earn up to $120 if all free tokens are available. $10-$40 for signing up with OhmConnect A great website if you have one of a few utility companies in California, Texas, or Toronto. OhmConnect supports PGE, SCE, SDGE, Smart Meter Texas, and Toronto Hydro. You essentially just connect your utility account, and earn points. You earn $10 after signing up and getting to a status level of Silver (took me like 10 minutes). $10 more if you connect a smart device like NEST. Several hundred for test driving cars Pretty easy. Click the link, go through the dealerships, get your code, test drive a car, and get paid. I did this last year and I was in and out on my lunch break. These offers come and go all year, so check frequently. UNCLAIMED/ABANDONED PROPERTY States return millions of dollars worth of unclaimed property a year. Unclaimed property typically consists of unclaimed money in accounts that have sat dormant for more than a year. Every state has its own abandoned property site but a good place to start is MissingMoney.com. It’s very simple to search there. If anything comes up, continue the search/filing on your states gov website. Example: California’s is https://ucpi.sco.ca.gov/UCP/Default.aspx. Just cashed a check for $35 from an account I closed years ago. The following are ref links that I am putting in for a random Redditor or two, just to spread goodwill and try to give back to all of you. I get nothing from these and will be doing this for one or two random people every month. PM me if you want your ref link featured here. The Redditor for September is u/moongains PERKSY From Moon: Perksy is a survey app with nice payouts and a fun vibe. I’ve made about $50 on the app with little effort.
Ok. Back to the main post content.
Hey everyone. This is an all-inclusive write-up compiling all of my past posts on how I am making upwards of $1,000 a month through the use of beermoney sites. Beermoney is, according to Urban Dictionary, "Extra money for non-essential payments, available for spending on luxuries, hobbies, or a fresh pint of your favorite draft." I use this definition, because this is (in most cases) not intended to be a primary source of income. This is a way to supplement what you already have. There is no way to know what you will make any given month, so do not count on it. My worst month I only made around $500 and my best I made over $2,000. You can also check out my post on using apps to save money and earn cash back. As I have stated in my other posts, this is not a definitive list of everything a person can do online by any means and refs are included. Do your own research on the subs I list, use Google, ask other people, and find what works for you. What I talk about works well for me, my family, and my schedule. Below I will include time requirements to make this money, provide a quick recap of the revenue streams that I have found to work, and provide payment proof for what I can. I personally invest anywhere from 20 to 30 hours a week doing these sites, on top of my day job. Some days I will make $20 all day, and others I will make over $200. I prefer this, as opposed to a second job, because I can pay partial attention to a laptop and 'clock-out' when I want to focus on family or Netflix. This works better for my temperament and preferences. Tech required: A working laptop, a cellphone (in some cases), an internet connection, and a fairly good amount of patience to learn. If you are in a position where these tools are not available, you can also do many of these from a library. I put all of this info into an e-book, plus a TON of other stuff that was either written by me, or compiled from others (with their permission). Here is a link to it. If you tried even half of the stuff in the book, you would make your money back in less than a day. The dollar amounts next to each site are what I made in 2018. 2019 and 2020 were considerably more, but I have been too lazy to update all of these. Anyway, on to the revenue streams: SwagBucks ($775) Surveys – Majority of countries– This is more of a catch-all for stuff to do when you want to make and save money. You can do surveys, play games, and watch videos to earn points. You can also get cash back from using SB to visit and buy from different stores. You get paid in points which can be used to purchase gift cards or sent directly to PayPal. Each point is the equivalent of $0.01. Usually, SB will have deals where you can get certain gift cards for less. For example, a $20 Amazon gift card for 1800 SB points. The payout can be slow, but if you don’t mind running ads in the background, using a plug-in to save money while you shop, or killing time playing a game, SwagBucks can be a great way to earn $20 a month. Mturk ($3,142): Small tasks and surveys - US mainly. Confirmed also in Canada, Europe, & Aus. - This is by far the one I spent the most time on and has been the best earner. This site lets humans perform small tasks that robots still cannot do well. It is owned by Amazon. Downside is there are slim pickings on weekends and when colleges are out on vacation. I typically stick to surveys, but once in a while do batch jobs which there are more of. You have to wait a week for your first payout, which will go to an Amazon payment account. You can the get payouts one time per day after that. Approval for mturk can sometimes be a pain in the ass, almost impossible if you are not from the US, but is definitely worth it in my opinion if you can get approved. Secret shopper US and Secret shopper UK ($485): In-person store evaluation - US and UK only - These links will take you directly to a sign-up page. US version populates with my ref code. Feel free to delete it before signing up, if you want. You will be taken to the app store where you can download the actual app on your phone. Essentially, you go to stores near you that are identified in the app and take pictures or videos of specific items. I like this one because I have the ability to make a few extra bucks if I am already out shopping. The pay for this one averages about $15/hr. Note: I have not tried the UK version, but it was recommended by another Redditor. Usertesting ($800): Website evaluation - US & maybe select others - This site allows you to review new websites and apps. The pay is usually $10 per recorded test lasting 10-15 minutes. Sometimes the pay is more, but never less. I average a few tests a week. Some weeks I will get a dozen tests, other weeks nothing. This one is great to practice your feedback skills, which open up a lot of other doors. Pay is through PayPal, one week (to the minute) after the test is complete. Redbubble ([$305]: T-shirt creation - Worldwide - After getting rejected by merch by Amazon, I came here. You design and publish t-shirts, phone cases, and about 20 other mixed products, with each sell netting you a few bucks. They are based in Australia, and do pay-outs once a month on the 15th via PayPal. You do all of the uploading and just wait for people to find it with keywords or searches. Great if you are artistic or know how to use any creative software. Prolific.ac ($3,500): Based in the UK, this used to be one of my favorites because they pay in Great British Pound (GBP) which is the equivalent to 1.25x the USD. Prolific is similar to Mturk (listed earlier) in that all you do is fill out surveys. Pay is better than Mturk, but the availability of surveys is not as great. In fact, I personally haven't seen a survey in months, but see others get them often. The initial questionnaire you have to fill out is a bit long taking me about 20 minutes, but ensures you qualify for every survey they show you and will never get disqualified for not meeting the demographic. You have to hit £5 before you can cash out, but you get this after a few days of watching for surveys. Leave it open in a tab and check it throughout the day. I wish I could do this one all day because the pay rocks, but I only see a few a day. They pay out in PayPal anytime you request it and have a balance of over £5. Ebay ($190): Selling goods - Worldwide - Not much explanation needed here. You buy stuff in-person low, and sell online high. Here is a $2.99 beginner's guide dedicated to flipping that covers absolutely everything you need to know (also mine). PlaytestCloud ($190): Video game testing - Many countries - This is just simple game testing. It is super fun, very quick, and you get to test new games before anyone else. They send you tests for different listed devices, you download the game file, and they record your screen and voice. The only issue I have with this one is that you are only able to test 3-4 games per month, at $9-$11 each. Paid almost immediately after each test via PayPal. UsabilityHub ($15): App testing - Many countries - This one lets the user take quick one or two minute surveys on your opinion of an app screen. They pay for this averages to about $.10 a minute, so it is nothing spectacular. Just leave it open in another tab and take a quick survey when you hear a new one come available. UserInterviews ($50): Studies - US & maybe select others - Similar to Respondent, but with less approval when filling out the demographics for each study. Product Testing ($1,500): Mainly US & some UK/CA - There are places online that will pay you to leave positive/negative reviews for companies or purchase products. This is actually a big business model in China and other S.E.A. countries. Personally, I already know that Amazon reviews, Yelp, BBB, and everything in the middle are at least half fake reviews; so I may as well monetize on it. If this is something that sounds interesting, here is more info. Reddit subs($2,300): It is super simple to use Reddit as more than a social media tool or news website. Knowing the right subs to subscribe to, and what to look for, can help you make a few extra hundred bucks a month. There are a ton that you can find small or medium jobs on, but I am only going to outline the top four that have worked for me. /slavelabour: This sub is normally dedicated to doing cheap jobs for people, at cheap rates. I have both had things done for me here, as well as completed a lot of tasks. It may seem daunting at first, with people offering $2 to write an essay (seriously though.. no homework here), but there are gems to be found. Two of my best jobs have been creating meal plans for $60, and finding the name of a book for $80. Cancel that. SL is now power mods that block the decent work and only allow the trash jobs. No longer worth the time. I only leave it up as people ask about it when I don't. /signupsforpay: Since slave labour does not allow paying people to sign up for websites, this is where to go to make a few bucks with signups. From connecting your gas and electric information, to signing up with Acorns, I have probably made a grand total of $100 here. Nothing overly special, but $100 is $100. /giftcardexchange: This is one of my favorites, because you can buy and sell all of those gift cards you have/want. Have a $20 gift card from a family member that you will never use? Sell it here for 80-90%. Want to buy Amazon gift cards for less than face value? Get 'em here. I do a lot of buying on Amazon, so this sub has easily saved me hundreds over the course of using it. Caution: Trade carefully. I know this is a lot of info and a bunch of it is repetitive from my last post, but I wanted to provide as much info as possible for the compiled post. Hope it helps!
[OFFER] - Bitwala €22 -> €15 from Bitwala + €7 from me (No Deposit Need + PROOF of PAYOUTS inside!)
COMPANY PROFILE Bitwala.com is a company that provides a bank account with an exchange to buy and sell Bitcoin and Ether and store it their blockchain-based wallet provided. ELIGIBILITY List of countries can be found here: https://www.bitwala.com/supported-nationalities/ Basically Europe, Asia, Africa, Australia residents are eligible to sign up. OFFER Bitwala is giving You €15 when you join, verify your profile, open a bank account with them and setup Bitcoin or Ethereum wallet in their app. NO DEPOSIT IS NEEDED. I will send an additional €7 via Pingit, Monese, Revolut or cypto (ETH, or BTC) once You get the bonus. So in total You are getting €22 with NO DEPOSIT NEEDED! HOW
Comment $bid and I will send You a message with my referral link.
Register with Bitwala using my link, verify your profile.
After your account is created login to Bitwala app and navigate to Portfolio -> Click on Bitcoin - Create a wallet now or Ethereum - Create wallet now button and follow the instructions.
That's it! The bonus will appear within 15 days, but I got mine after 8 days. Then contact me and I will send the rest - as promised €7 via Pingit, Monese, Revolut or cypto (ETH, or BTC) once You get the bonus.
Wings Financial Credit Union:$50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, no catches, can withdraw and close account any time fee free.
Oxygen:$25 for opening an account, depositing $200, and doing 5 debit card transacrtions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me if you want a link.
Stocks
Webull: 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back. And you can close the account at any time with no fees or consequences- I would be grateful if you used my referral link- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
Chime
Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus! If you don't have cash app, you can also transfer in $200 from most bank accounts and still get the bonus. referral link- https://chime.com/milazadrozny
Wings
Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, no catches, can withdraw and close account any time fee free. referral link-https://www.wingsfinancial/newcustform/109cb9ea
Aspiration
Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months. So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! referral link- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash
Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account! The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus. referral link- https://get.stashinvest.com/amadeowpr10
Qapital
Qapital is a banking app (iOS/Android) which pays you a $25 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3 per month. If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment (the $3 monthly fee), they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money. referral link- https://get.qapital.com/SGjU8VhoM4
SkyOne
SkyOne is a credit union which will pay you a $50 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days. This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up. https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union
Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit. They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45! And you can close the account at any time, fee free! They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ. referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen
Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily game this). PM me if you want a link for this one.
Stocks-
Webull
Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account via a referral link and making a $100 deposit. Acorns is available on iOS and Android, or you can use their website. referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Public
Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required. Public is available on iOS or Android only. referral link- http://share.public.com/rayruiu
FirstTrade
FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. FirstTrade is available on iOS or Android only. referral link- https://share.firstrade.com/MilaAQOK
Dough
Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too). Dough is available for iOS or Android only. referral link- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
TradeUp
TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No initial deposit is required. Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit. TradeUp is available for iOS or Android only. referral link- https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
Robinhood
Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required. Robinhood is available on iOS and Android, or you can use their website. referral link- https://invite.robinhood.com/amadeor3/
Acorns
Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until August 15th, 2020. You can then withdraw the money and close the account, fee free! If you keep the account longer, they may charge you a $3 fee so be sure to close it after the 15th on the following month from when you signed up. Acorns is available on iOS and Android, or you can use their website. referral link- https://www.acorns.com/invite/TLBCPD/
Moomoo
Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit. Moomoo is available on iOS or Android only. referral link- https://j.moomoo.com/000LR3
M1 Finance
M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus that posts to the account within 14 days. M1 Finance is available on iOS or Android only. referral link- https://m1.finance/J6aLCt6SRGdW
SoFi Invest
SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both! Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest! SoFi Invest is available on iOS or Android only referral link- https://www.sofi.com/share/invest/2498539
E*Trade
E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit, on a tiered basis-
Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks. No deposit required! Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works! Referral link- https://share.personalcapital.com/x/oGFEyl
Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10. So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required. https://www.myconstant.com?r=annoyedproduct
Celsius
Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral code and depositing $200 worth of cryptocurrency. To get the full $40, enter the code "SUMMER" before making your first deposit. You must keep your deposit in the app for 30 days to get the full $40 bonus. You get $20 for the normal referral program and the additional $20 for entering the "SUMMER" code. You can then withdraw the full $240 and close your account fee free.
Crypto.com is a cryptocurrency investing platform which will give you $50 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $50 bonus crypto to celsius instantly.
(enter referral code 66v69rwt76 if not pre-filled)
Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency. Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two. https://gemini.com/share/rllzke26
Coinbase
Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8 They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com/earn/oxt/invite/t0wvs4k2
Credit Cards-
Chase Freedom
Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry! So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://www.referyourchasecard.com/18/ONLMEFPEFJ
Discover IT
Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry! So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free. https://refer.discover.com/s/hhti4m
Other-
Root
Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc. https://rootbonus.com/AmadeoRuiu
SoFi Loans
SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan. You should research the pros and cons of student loan refinancing before you consider this option, The basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances. There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering. www.sofi.com/share/2498539?src=copy
Wings Financial Credit Union:$50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, no catches, can withdraw and close account any time fee free.
Oxygen:$25 for opening an account, depositing $200, and doing 5 debit card transacrtions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me if you want a link.
Stocks
Webull: 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back. And you can close the account at any time with no fees or consequences- I would be grateful if you used my referral link- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
Chime
Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus! If you don't have cash app, you can also transfer in $200 from most bank accounts and still get the bonus. referral link- https://chime.com/milazadrozny
Wings
Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, no catches, can withdraw and close account any time fee free. referral link-https://www.wingsfinancial/newcustform/109cb9ea
Aspiration
Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months. So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! referral link- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash
Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account! The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus. referral link- https://get.stashinvest.com/amadeowpr10
Qapital
Qapital is a banking app (iOS/Android) which pays you a $25 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3 per month. If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment (the $3 monthly fee), they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money. referral link- https://get.qapital.com/SGjU8VhoM4
SkyOne
SkyOne is a credit union which will pay you a $50 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days. This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up. https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union
Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit. They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45! And you can close the account at any time, fee free! They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ. referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen
Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily game this). PM me if you want a link for this one.
Stocks-
Webull
Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account via a referral link and making a $100 deposit. Acorns is available on iOS and Android, or you can use their website. referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Public
Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required. Public is available on iOS or Android only. referral link- http://share.public.com/rayruiu
FirstTrade
FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. FirstTrade is available on iOS or Android only. referral link- https://share.firstrade.com/MilaAQOK
Dough
Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too). Dough is available for iOS or Android only. referral link- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
TradeUp
TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No initial deposit is required. Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit. TradeUp is available for iOS or Android only. referral link- https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
Robinhood
Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required. Robinhood is available on iOS and Android, or you can use their website. referral link- https://invite.robinhood.com/amadeor3/
Acorns
Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until August 15th, 2020. You can then withdraw the money and close the account, fee free! If you keep the account longer, they may charge you a $3 fee so be sure to close it after the 15th on the following month from when you signed up. Acorns is available on iOS and Android, or you can use their website. referral link- https://www.acorns.com/invite/TLBCPD/
Moomoo
Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit. Moomoo is available on iOS or Android only. referral link- https://j.moomoo.com/000LR3
M1 Finance
M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus that posts to the account within 14 days. M1 Finance is available on iOS or Android only. referral link- https://m1.finance/J6aLCt6SRGdW
SoFi Invest
SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both! Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest! SoFi Invest is available on iOS or Android only referral link- https://www.sofi.com/share/invest/2498539
E*Trade
E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit, on a tiered basis-
Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks. No deposit required! Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works! Referral link- https://share.personalcapital.com/x/oGFEyl
Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10. So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required. https://www.myconstant.com?r=annoyedproduct
Celsius
Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral code and depositing $200 worth of cryptocurrency. To get the full $40, enter the code "SUMMER" before making your first deposit. You must keep your deposit in the app for 30 days to get the full $40 bonus. You get $20 for the normal referral program and the additional $20 for entering the "SUMMER" code. You can then withdraw the full $240 and close your account fee free.
Crypto.com is a cryptocurrency investing platform which will give you $50 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $50 bonus crypto to celsius instantly.
(enter referral code 66v69rwt76 if not pre-filled)
Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency. Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two. https://gemini.com/share/rllzke26
Coinbase
Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8 They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com/earn/oxt/invite/t0wvs4k2
Credit Cards-
Chase Freedom
Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry! So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://www.referyourchasecard.com/18/ONLMEFPEFJ
Discover IT
Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry! So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free. https://refer.discover.com/s/hhti4m
Other-
Root
Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc. https://rootbonus.com/AmadeoRuiu
SoFi Loans
SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan. You should research the pros and cons of student loan refinancing before you consider this option, The basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances. There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering. www.sofi.com/share/2498539?src=copy
Max $5147, $1391 guaranteed-ServiceCU,Wings,Oxygen,SoFiMoney/Invest/Loans,Webull,Chime,Public,Aspiration,FirstTrade,Dough,Stash,Voyager,Moomoo,Root,TradeUP,Gemini,Qapital,Robinhood,M1Finance,Acorns,ChaseFreedom,DiscoverIT,E*Trade,PremierMembersCU,SkyOne,Orchid,PersonalCap,Constant,Celsius,Crypto.com
There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.
Banks
Service Credit Union:$100 for making a direct deposit of $500 (mobile check deposit & SoFi works, posts quickly!).
Wings Financial Credit Union:$50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. Additionally, you get an extra $300 bonus for doing the $300 direct deposit. Very generous bonus. No fees, no catches, can withdraw and close account any time fee free.
Oxygen:$25 for opening an account, depositing $200, and doing 5 debit card transacrtions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me if you want a link.
Stocks
Webull: 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
Service Credit Union has an awesome new referral opportunity where they pay out $100 for anyone who signs up for an Everyday checking account account using a referral code and direct deposits $500. However, you can deposit the money directly from virtually any bank, or do a mobile check deposit, and you will still get the bonus! And you can close the account at any time with no fees or consequences- Sign up using this link- https://servicecu.org/pays-2-know-referred/ On the account application, after you select the Everyday checking account, it asks: "Did a friend refer you through the Pays 2 Know Program?" Select "Yes" and paste this code: P2K0413361801 If you don't enter this promo code, you will not get the bonus, so please be sure to! They also require you to sign up for the American Consumer Council if you live outside of Massachusetts or New Hampshire (their target locations). Luckily, signing up for that association is easy and free. To do that, sign up using the form below and use membership code "consumer" to get it for free. You only need to fill out the One person per application: section. https://www.americanconsumercouncil.org/membership.asp?dname=Americanconsumercouncil.org This is a relatively new referral offer, but easily one of the easiest and highest paying ones out there. I made a guide with more detailed info on the steps to complete this referral offer, you can check it out here- https://www.reddit.com/clicksforbeermoney/comments/iazm3p/easy_100_bonus_from_service_credit_union_fo
SoFi Money
SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back. And you can close the account at any time with no fees or consequences- I would be grateful if you used my referral link- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
Chime
Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus! If you don't have cash app, you can also transfer in $200 from most bank accounts and still get the bonus. referral link- https://chime.com/milazadrozny
Wings
Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. Additionally, they give you an extra $300 bonus for doing the $300 direct deposit. Very generous bonus, $350 in total! No fees, no catches, can withdraw and close account any time fee free. referral link-https://www.wingsfinancial/newcustform/109cb9ea
Aspiration
Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months. So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! referral link- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash
Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account! The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus. referral link- https://get.stashinvest.com/amadeowpr10
Qapital
Qapital is a banking app (iOS/Android) which pays you a $25 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3 per month. If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment (the $3 monthly fee), they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money. referral link- https://get.qapital.com/SGjU8VhoM4
SkyOne
SkyOne is a credit union which will pay you a $50 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days. This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up. https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union
Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit. They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45! And you can close the account at any time, fee free! They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ. referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen
Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily game this). PM me if you want a link for this one.
Stocks-
Webull
Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account via a referral link and making a $100 deposit. Acorns is available on iOS and Android, or you can use their website. referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Public
Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required. Public is available on iOS or Android only. referral link- http://share.public.com/rayruiu
FirstTrade
FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. FirstTrade is available on iOS or Android only. referral link- https://share.firstrade.com/MilaAQOK
Dough
Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too). Dough is available for iOS or Android only. referral link- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
TradeUp
TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No initial deposit is required. Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit. TradeUp is available for iOS or Android only. referral link- https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
Robinhood
Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required. Robinhood is available on iOS and Android, or you can use their website. referral link- https://invite.robinhood.com/amadeor3/
Acorns
Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until August 15th, 2020. You can then withdraw the money and close the account, fee free! If you keep the account longer, they may charge you a $3 fee so be sure to close it after the 15th on the following month from when you signed up. Acorns is available on iOS and Android, or you can use their website. referral link- https://www.acorns.com/invite/TLBCPD/
Moomoo
Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit. Moomoo is available on iOS or Android only. referral link- https://j.moomoo.com/000LR3
M1 Finance
M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus that posts to the account within 14 days. M1 Finance is available on iOS or Android only. referral link- https://m1.finance/J6aLCt6SRGdW
SoFi Invest
SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both! Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest! SoFi Invest is available on iOS or Android only referral link- https://www.sofi.com/share/invest/2498539
E*Trade
E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit, on a tiered basis-
Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks. No deposit required! Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works! Referral link- https://share.personalcapital.com/x/oGFEyl
Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10. So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required. https://www.myconstant.com?r=annoyedproduct
Celsius
Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral code and depositing $200 worth of cryptocurrency. To get the full $40, enter the code "SUMMER" before making your first deposit. You must keep your deposit in the app for 30 days to get the full $40 bonus. You get $20 for the normal referral program and the additional $20 for entering the "SUMMER" code. You can then withdraw the full $240 and close your account fee free.
Crypto.com is a cryptocurrency investing platform which will give you $50 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $50 bonus crypto to celsius instantly.
(enter referral code 66v69rwt76 if not pre-filled)
Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency. Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two. https://gemini.com/share/rllzke26
Coinbase
Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8 They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com/earn/oxt/invite/t0wvs4k2
Credit Cards-
Chase Freedom
Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry! So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://www.referyourchasecard.com/18/ONLMEFPEFJ
Discover IT
Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry! So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free. https://refer.discover.com/s/hhti4m
Other-
Root
Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc. https://rootbonus.com/AmadeoRuiu
SoFi Loans
SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan. You should research the pros and cons of student loan refinancing before you consider this option, The basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances. There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering. www.sofi.com/share/2498539?src=copy https://preview.redd.it/xo3ohxq0pvi51.jpg?width=800&format=pjpg&auto=webp&s=a9082f6c85f3f63fba7778f541de3dcd08ee88aa
[OFFER] - Bitwala €22 -> €15 from Bitwala + €7 from me (No Deposit Need + PROOF of PAYOUTS inside!)
COMPANY PROFILE Bitwala.com is a company that provides a bank account with an exchange to buy and sell Bitcoin and Ether and store it their blockchain-based wallet provided. ELIGIBILITY List of countries can be found here: https://www.bitwala.com/supported-nationalities/ Basically Europe, Asia, Africa, Australia residents are eligible to sign up. OFFER Bitwala is giving You €15 when you join, verify your profile, open a bank account with them and setup Bitcoin or Ethereum wallet in their app. NO DEPOSIT IS NEEDED. I will send an additional €7 via Pingit, Monese, Revolut or cypto (ETH, or BTC) once You get the bonus. So in total You are getting €22 with NO DEPOSIT NEEDED! HOW
Comment $bid and I will send You a message with my referral link.
Register with Bitwala using my link, verify your profile.
After your account is created login to Bitwala app and navigate to Portfolio -> Click on Bitcoin - Create a wallet now or Ethereum - Create wallet now button and follow the instructions.
That's it! The bonus will appear within 15 days, but I got mine after 8 days. Then contact me and I will send the rest - as promised €7 via Pingit, Monese, Revolut or cypto (ETH, or BTC) once You get the bonus.
[OFFER] - Bitwala €22 -> €15 from Bitwala + €7 from me (No Deposit Need + PROOF of PAYOUTS inside!)
COMPANY PROFILE Bitwala.com is a company that provides a bank account with an exchange to buy and sell Bitcoin and Ether and store it their blockchain-based wallet provided. ELIGIBILITY List of countries can be found here: https://www.bitwala.com/supported-nationalities/ Basically Europe, Asia, Africa, Australia residents are eligible to sign up. OFFER Bitwala is giving You €15 when you join, verify your profile, open a bank account with them and setup Bitcoin or Ethereum wallet in their app. NO DEPOSIT IS NEEDED. I will send an additional €7 via Pingit, Monese, Revolut or cypto (ETH, or BTC) once You get the bonus. So in total You are getting €22 with NO DEPOSIT NEEDED! HOW
Comment $bid and I will send You a message with my referral link.
Register with Bitwala using my link, verify your profile.
After your account is created login to Bitwala app and navigate to Portfolio -> Click on Bitcoin - Create a wallet now or Ethereum - Create wallet now button and follow the instructions.
That's it! The bonus will appear within 15 days, but I got mine after 8 days. Then contact me and I will send the rest - as promised €7 via Pingit, Monese, Revolut or cypto (ETH, or BTC) once You get the bonus.
[OFFER] - Bitwala €22 -> €15 from Bitwala + €7 from me (No Deposit Need + PROOF of PAYOUTS inside!)
COMPANY PROFILE Bitwala.com is a company that provides a bank account with an exchange to buy and sell Bitcoin and Ether and store it their blockchain-based wallet provided. ELIGIBILITY List of countries can be found here: https://www.bitwala.com/supported-nationalities/ Basically Europe, Asia, Africa, Australia residents are eligible to sign up. OFFER Bitwala is giving You €15 when you join, verify your profile, open a bank account with them and setup Bitcoin or Ethereum wallet in their app. NO DEPOSIT IS NEEDED. I will send an additional €7 via Pingit, Monese, Revolut or cypto (ETH, or BTC) once You get the bonus. So in total You are getting €22 with NO DEPOSIT NEEDED! HOW
Comment $bid and I will send You a message with my referral link.
Register with Bitwala using my link, verify your profile.
After your account is created login to Bitwala app and navigate to Portfolio -> Click on Bitcoin - Create a wallet now or Ethereum - Create wallet now button and follow the instructions.
That's it! The bonus will appear within 15 days, but I got mine after 8 days. Then contact me and I will send the rest - as promised €7 via Pingit, Monese, Revolut or cypto (ETH, or BTC) once You get the bonus.
No deposit bonuses are sign-up incentives that casinos give players without requiring them to make a deposit. These bonuses are a small amount of bonus credits, typically ranging from $5 to $20. You can mostly use these bonuses on pokies, and usually won't be able to win more than $50 in real money. "One bonus per player" is the most important of the no deposit bonus policies. As the bonus is free, the casino obviously doesn’t want to give it to the same player over and over. If you manage to meet the bonus wagering requirements and want to withdraw your win, the casino will verify your identity. If you have signed up yourself as John Smith (and it isn't your actual name), you’ll Also called no deposit sign-up or registration bonus codes, these are unique codes usually made of a combination of letters and numbers. They are keys that unlock free casino money or spins for players registering their accounts online. They also help operators quickly identify the exact bonus the player wishes to pursue, along with the origins of the codes. Punters from Australia who use a no no deposit bonus codes australia 2020. You are here; Home; no deposit bonus codes australia 2020 ; no deposit bonus codes australia 2020; 4 February 2021, Comments 0. This blog is inspired by some of my most long standing and also disputable guilty satisfaction –- betting online, as well as to become muchmore exact playing online pokies for Australian No Deposit Bonus Code. No deposit bonus credits are generally only available to players who don’t already have an account at the casino. These come in the form of bonus credits between $10 and $100. Getting them is easy. All you need to do is sign up for a real money account, and follow the instructions, which you will find on our Best $300 Free No Deposit Bonus Codes 2020-2021 CasinosAnalyzer.com No Deposit Required Low Wagering Requirements Best Bonus Codes for TOP Casino Slots & Games Claim Your Bonus and Win REAL MONEY Latest No Deposit Casino Bonuses in Australia. On this page you’ll find the best and latest no deposit casino bonuses in Australia. In other words, 100% real money free bonus offers that let you keep what you win, as per the bonus terms and conditions. We’ve also listed each of the bonus’s wagering requirement, the eligible games you can play with the bonus and, most importantly, the Types of No Deposit Bonus in Australia. Every no deposit bonus is different. They may be different in value. They may have different terms and conditions. Or they may credit your account with a different type of bonus. This section will go over what you can expect from the different types of no deposit bonuses: who they're best for, and what you can expect from them. Australian No Deposit Free No Deposit vs. Sign Up Casino Bonuses. The main difference between a no deposit casino bonus and sign up casino bonus is that the former is 100% free and only needs a new account registration to unlock it, while the latter requires a new account registration plus an initial deposit to unlock it. Being free, no deposit bonuses are always much Best No Deposit Bonuses 2020. Players gets the no deposit bonus straight on registration. New No Deposit Bonuses Trusted Casinos Honest Casino Reviews
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