Data blogs

Data Science Blogs And Similar Things

2015.12.27 13:58 Data Science Blogs And Similar Things

This is a place for mid-sized thoughts on, or near to, data science. This is a middle ground, a home for data science ideas that are greater in complexity and length than snarky one- or two-liners, but also less detailed, wordy, and esoteric than a full-blown reproducible scientific research report that was produced with institutional funding. In other words, if either you have a data science blog, or you have enough ideas stewing to have one then just post it up here and now.
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2016.03.07 16:45 jadedzz OnCourtAnalytics: Where you get to use data to justify sports

Data and basketball: Does it get much better? This is the place to discuss sports facts, sports news, and data-driven ideas. If you like to use prioritization of statistics and data to make personnel decisions in professional sports, come on in! What do you have to say?
[link]


2016.11.09 17:09 DataMedics Data Recovery Blogging

A place to post your data recovery blogs for other people involved in the data recovery business to see. Blog posts about data recovery software, hardware, tools, companies, case studies, and more are allowed. Self Promotion within the blogs is tolerated as long as the blog content is informative to readers.
[link]


2020.12.01 11:14 soobrosa A Data Prediction For 2021

The data suggests that data engineering is here to stay, and having observed how data science has evolved as a profession, and especially how first-movers gained an almost unfair advantage compared to whoever tries to get into the game today... it is safe to say that the right time to start data engineering is yesterday.
https://www.dataengineering.academy/pipeline-data-engineering-academy-blog/data-trend-report-prediction-for-2021
submitted by soobrosa to dataengineering [link] [comments]


2020.12.01 10:25 Silvia_crs TS Must-Read – Wang, Hu, He (2012): Deformation cycles of subduction earthquakes in a viscoelastic Earth

On 4 April 2022 we will be starting our discussion about another great TS-must-read contribution (https://blogs.egu.eu/divisions/ts/2020/06/09/tectonics-and-structural-geology-must-read-papers-introduction/).
In this article, K. Wang, Y. Hu, and J. He [2012] bring us into the seismic cycle of subduction zones. The Authors offer a new perspective on the viscous behaviour of the asthenospheric mantle, and define the specific features of the three main stages of a subduction earthquake cycle as observed in geodetic data.
You can find Deformation cycles of subduction earthquakes in a viscoelastic Earth on Nature's website. Let us know if you have problems accessing the contribution.
What do you like about this paper? Join our discussion and share your thoughts! geology EarthScience TSMustRead
submitted by Silvia_crs to TSMustRead [link] [comments]


2020.12.01 09:10 katiomould74 6 Advantages of Rapid Prototyping

Rapid prototyping refers to a modern product development method. With this method, engineers can make production-ready designs a lot faster than before. 3D printing provides a lot of advantage as for as rapid prototyping a component is concerned. Manufacturers use RP as an alternative to CNC machine parts. Given below are some of the advantages of this process. rapid tooling moulding
Speed
First of all, RP refers to components that are made with the help of 3D printing. While simple components can be made with CNC machining as well, 3D printers feature shorter lead times. Since 3D printers receive data from printers and CNC models, it is possible to print designs in a couple of hours.
For example, if you need a 4-inch part to be printed, you can get it done in less than 4 hours. On the other hand, you can print it an 8-inch part in less than 20 hours. In other words, the majority of 3D printed components can be made and delivered in less than 7 days. Since prototyping offers high speed, it is possible to launch products much faster.
Affordability
The cost of 3D printing with the help of prototyping is quite low. On the other hand, CNC machining involves a lot of additional costs, such as procurement of material, programming tools, setup configuration, and so on. 3d prototype manufacturer
During the process of 3D printing, the printer receives a file, the machine analyses the data and then get it printed. The finished product is taken out of the printer.
Test a Range of Designs
With the help of rapid prototyping, expert engineers and perform the testing of complex designs in a cost-effective manner. As a matter of fact, 3D printers can produce even those parts that cannot be printed with CNC machining, such as parts with sharp corners and thin walls. Actually, this is a layer-by-layer manufacturing method, which is why it is called additive manufacturing.
Part Consolidation
With RP, engineers can test a single component that requires to be made in multiple components. Again, consolidation of different parts is quite cost-effective with the help of rapid prototyping. Apart from this, this system allows engineers to check out a lot of designs and functions of different parts. 3d rapid prototype
Test Materials
3D printing is a great choice for designers to check out a variety of materials and stick to ones that can offer the best results. Some of these materials include nylon 12, which can withstand high temperatures of up to 149 Celsius. In some 3D printers, there can be up to 200 combinations of colors, finishes, and materials.
Increased Risk Mitigation
Since prototypes look exactly like the final product, engineers can mitigate the risk associated with the production process. 3D printing is quite cost-effective, which is why manufacturers have less financial risk.
Visit Here: prototype plastic parts
submitted by katiomould74 to u/katiomould74 [link] [comments]


2020.12.01 08:42 StanT101 temporary ssn scam ad

So there's no way to straight up contact youtube, and report button doesn't work(I hit it alot of times believe me). So here's the deal
Youtube ads I'm seeing(and many others probably) as of 11.2020 consist of a scam to get people to pay for phony SSN for promise of compensation..
Here's link to scammers video:https://www.youtube.com/watch?v=smT9adtC2Fo&list=WL&index=13&t=238s
Here's link for more information on scam:https://www.kaspersky.com/blog/data-leak-compensation-scam/32057/
I know that its easy to just google and check this stuff, but it should be prevented in the first place, because there's a lot of gullible people and I'm sure scammers are making bank right now.
It would be great if people here could mass report that video/channel, maybe then youtube's bots would notice it.
submitted by StanT101 to youtube [link] [comments]


2020.12.01 08:28 msmoothies Share your massive data analytics challenges get a $50 Amazon gift card

SQream is giving a $50 Amazon gift card to data professionals who share their analytics challenges in a 60-second selfie video. https://sqream.com/blog/massive-data-revolution-video-challenge
submitted by msmoothies to bigdata [link] [comments]


2020.12.01 08:02 vmihir76 Why 43% of Indian organisations will adopt the Hybrid cloud by 2020?

Why 43% of Indian organisations will adopt the Hybrid cloud by 2020?
Cloud Hosting has proved to be a stepping stone in the transition of the Information Technology market and digital India in 2018. Cloud Hosting has progressively transformed India with the rapid growth of It industry and organisations allocating shares from their revenues for cloud innovations. Though cloud hosting was highly accepted in India data security and cost has always been a significant concern with the use of public and private cloud respectively. It looks like Organisations have found that the Hybrid Cloud is the best solution to these raised concerns. The Indian enterprises have started adopting Hybrid Cloud to gain the combined benefits of both Public and Private Cloud.

https://preview.redd.it/nhm2rbm1yi261.jpg?width=6000&format=pjpg&auto=webp&s=54a736c995b1eca8ca6cef7a1100abb4dc1fef15
A survey report of 2018 indicates that 43% of Indian organisations will adopt the Hybrid cloud by 2020 with 50% of Indian enterprises using Hybrid clouds, especially in telecommunications and Healthcare Industries. According to the study done by the experts, India is all set to lead the world regarding Hybrid Cloud usage over the next two years.
Read More>>
submitted by vmihir76 to u/vmihir76 [link] [comments]


2020.12.01 07:53 Meetanshi How to Add a Custom Column in Magento 2 Products Grid

How to Add a Custom Column in Magento 2 Products Grid
The default Magento 2 does not support to add a custom column in Magento 2 product grid. However, you can add columns like stock, quantity, website or any data that is not product attribute using the programmatic solution given in this post.
How to Add a Custom Column in Magento 2 Products Grid
Follow this programmatic solution to add a custom column in Magento 2 product grid.
Visit: https://meetanshi.com/blog/add-custom-column-in-magento-2-products-grid
submitted by Meetanshi to u/Meetanshi [link] [comments]


2020.12.01 06:32 daggerdragon -❄️- Advent of Code 2020: Craft Submissions Megathread -❄️-

Advent of Code Community Fun 2020: Gettin' Crafty With It

Last year y'all got real creative with poetry and we all loved it. This year we're gonna up our own ante and increase scope to anything you make yourself that is even tangentially related to Advent of Code. Any form of craft is valid as long as you make it yourself!

IDEAS

TIMELINE

2020 Dec Time (EST) Action
01 00:00 Community fun announced
06 00:00ish Submissions megathread unlocked
22 23:59 SUBMISSIONS DEADLINE
23 00:00 Submissions megathread locked
23 ASAP Voting opens (will post and sticky a PSA with link to vote)
24 18:00 Voting closes
25 ASAP Winners announced in Day 25 megathread

JUDGING AND PRIZES

There will be a few types of winners:
Type of Winner # of Winners Who Votes
Community Favorite 10 the AoC community (you!)
Best in Class 3-5 /adventofcode moderators + topaz2078
Best in Show 1 determined by the highest combined point total
Amounts subject to change based on availability and/or tie-breaking.
If there are a lot of craft submissions, we might consider splitting up entries into categories (e.g. all websites, all toys, all artisanship, etc. or some such scheme) instead and adjusting the awards accordingly, of course. If it comes to that, I'll make sure to update this post and notify y'all in the megathread.
Here's how judging will work:
  1. When voting opens, vote for your favorite(s). Your individual vote is worth 1 point each.
    • I'm not sure yet if you'll be able to vote for your top 3 favorites or only one - it'll depend on the voting software I use.
  2. When voting closes, the 10 highest-voted entries are the "Community Favorite" winners.
  3. Of the 10 "Community Favorites", each of the /adventofcode moderators will pick their top 3.
  4. The top 3 (or 4 or 5) highest-voted entries are the "Best in Show" winners.
  5. Finally, all point totals are aggregated (community vote + mod vote). The highest combined point total will be declared "Best in Show".
And the rewards:
Note to self: figure out how these "Community Awards" and "Mod Awards" work...

REQUIREMENTS

  • To qualify for entering, you must first post at least five solutions in different daily megathreads
    • There's no rush as this megathread will unlock on December 06 and you will have until December 22 to submit your craft - see the timeline above.
  • Your craft must be related to Advent of Code in some form
  • You must make the craft yourself (or with your team/co-workers/family/whatever - give them credit!) - no paying randos from Fiverr!
  • One entry per person
  • Only new creations as of 2020 December 1 at 00:00 EST are eligible
    • Sorry, maus80 and jeroenheijmans, but as much as we love your scatterplots and surveys, they're priori incantatem!
  • All sorts of folks play AoC every year, so let's keep things PG
  • Please don't plagiarize!
  • Keep accessibility in mind:
    • If your craft has audio, either caption the video or provide a full text transcript
    • If your craft has an image with text, provide a full text transcript
  • Your submission must use one of two the templates below!

TEMPLATES AND EXAMPLES FOR SUBMISSIONS

Keep in mind that these templates are Markdown, so if you're using new.reddit, you may have to switch your editor to "Markdown mode" before you paste the template into the reply box.

TEMPLATE FOR TEXT-ONLY SUBMISSIONS

Click here for raw Markdown template

Visual example:

PROJECT TITLE: An Example Poem
DESCRIPTION: An example poem composed by daggerdragon for Advent of Code 2020's Community Fun
SUBMITTED BY: daggerdragon
MEGATHREADS: 02 - 03 - 05 - 11 - 19
ADDITIONAL COMMENTS:
I am the best poet ever!
SUBMISSION:
Writing code is hard on one's head 😵 Don't bash keys till your fingers have bled 🩹 So your code's 💻 a big mess? Don't rage-flip your desk (╯°□°)╯︵ ┻━┻ Why not just go outside 🌳 instead?

TEMPLATE FOR LINKED SUBMISSIONS

Click here for raw Markdown template

Visual example:

PROJECT TITLE: Desktop Wallpaper for AoC 2020
DESCRIPTION: Awesome desktop wallpaper for Advent of Code 2020!
SUBMITTED BY: daggerdragon + hubby
MEGATHREADS: 07 - 13 - 17 - 23 - 32
PROJECT LINK: 1920x1080 and 1024x768
ADDITIONAL COMMENTS: We worked really long and hard on this wallpaper. It's awesome, isn't it?!? I even made two different sizes for you!
ACCESSIBILITY: Horizontal desktop wallpaper with the same dark blue background as https://adventofcode.com. On the left is the completed and colored ASCII tree graphic from AoC 2015, in the center is white text "Advent of Code" (originally written "Kode" but with the "K" crossed out), and in the lower right is neon green text "2020" with a Santa hat jauntily perched upon the last number.

QUESTIONS?

Ask the moderators. I'll update this post with any relevant Q+A as necessary.
submitted by daggerdragon to adventofcode [link] [comments]


2020.12.01 06:27 TylerLozano $1391+ guaranteed- Webull, Porte, Worthy, SoFi Money/Invest/Loans, FirstTech, Chime, Public, Aspiration, Dough,Stash, Voyager,Radius,Moomoo,Root,TradeUP,Robinhood, M1, Acorns, ChaseFreedom, CapOne,DiscoverIT, PMCU, SkyOne,N26,Orchid, PersCap,Constant,Celsius,Crypto.com,Wings,Oxygen,Round,Fetch,Raise

There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 4 free stocks (2 worth $2.50-$250 for opening an account, and 2 worth $8-$1600 each for depositing $100). Offer ends November 31st! That's a MINIMUM of $21 in free stock!
Webull 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.
Available on iOS or Android only.
http://share.public.com/rayruiu

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).
Available for iOS or Android only.
Open this link from your smart phone-
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 deposit required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
Available for iOS or Android only.
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.
Available on iOS and Android, or you can use their website.
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 the 15th of the following month. 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.
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.
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 $20 bonus that posts within 14 days.
M1 Finance is available on iOS or Android only.
https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

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 above), 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!
https://www.sofi.com/share/invest/2498539

Personal Capital

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.
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!
https://share.personalcapital.com/x/oGFEyl

Banks-

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 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 $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb69

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.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

First Tech Federal Credit Union

First Tech FCU is a bank that gives you a free $100 bonus for opening an account and depositing $250 for 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus.
During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account
https://refer.firsttechfed.com/s/AMADEO

Red Stone Federal Credit Union

Red Stone Federal Credit Union is a bank that gives you a free $100 bonus for opening an account and doing 4 debit card transactions with their card in 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus.
You will get your $100 bonus within 90 days of meeting the above requirements. Keep your account open until you get the bonus.
During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account. This deal combo's well with the First Tech FCU offer listed above for this reason, you can get FFA membership from one and then easily just use it for both offers.
https://www.redfcu.org/specials/refer-a-friend/redeem.html?first=AMADEO&last=RUIU&referralCode=RUI855220

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code and 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 virtually any source i.e. bank accounts, cashapp, etc.
https://chime.com/milazadrozny

Radius

Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus.
You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4
https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

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, can withdraw and close account any time.
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!
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.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 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 a 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!
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 getr this). PM me for a link.

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $10 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $10+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit.
N26 is available on iOS or Android only.
https://n26.com/amadeor4364

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Constant

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

Crypto.com is a cryptocurrency investing platform which will give you $25 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 $25 bonus crypto to celsius instantly.

Gemini

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!
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

Capital One Quicksilver

Capital One will pay you $200 for signing up for a Capital One Quicksilver credit card with a referral link and spending $500 it within the first 3 months. This deal is basically the same as the Chase Freedom card mentioned above.
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://capital.one/2V8xwY0

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!
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

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately.
https://worthybonds.com/?r=etyji

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, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
There's also the option of taking out a SoFi loan.
www.sofi.com/share/2498539?src=copy

Fetch

Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. My personal favorite scanning app! Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout.
They also give a $2 bonus for signing up using a referral code (open this link from your phone).
https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW

Raise

Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway.
www.sofi.com/share/2498539?src=copy

Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox.
https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds
I've also put together a small blog with those as well as the referrals listed below. I'd love it if you check it out. Thank you!
https://www.youngmoneywhisperer.com/home
submitted by TylerLozano to friendlyreferrals [link] [comments]


2020.12.01 06:27 TylerLozano $1391+ guaranteed- Webull, Porte, Worthy, SoFi Money/Invest/Loans, FirstTech, Chime, Public, Aspiration, Dough,Stash, Voyager,Radius,Moomoo,Root,TradeUP,Robinhood, M1, Acorns, ChaseFreedom, CapOne,DiscoverIT, PMCU, SkyOne,N26,Orchid, PersCap,Constant,Celsius,Crypto.com,Wings,Oxygen,Round,Fetch,Raise

There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 4 free stocks (2 worth $2.50-$250 for opening an account, and 2 worth $8-$1600 each for depositing $100). Offer ends November 31st! That's a MINIMUM of $21 in free stock!
Webull 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.
Available on iOS or Android only.
http://share.public.com/rayruiu

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).
Available for iOS or Android only.
Open this link from your smart phone-
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 deposit required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
Available for iOS or Android only.
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.
Available on iOS and Android, or you can use their website.
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 the 15th of the following month. 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.
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.
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 $20 bonus that posts within 14 days.
M1 Finance is available on iOS or Android only.
https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

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 above), 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!
https://www.sofi.com/share/invest/2498539

Personal Capital

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.
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!
https://share.personalcapital.com/x/oGFEyl

Banks-

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 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 $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb69

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.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

First Tech Federal Credit Union

First Tech FCU is a bank that gives you a free $100 bonus for opening an account and depositing $250 for 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus.
During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account
https://refer.firsttechfed.com/s/AMADEO

Red Stone Federal Credit Union

Red Stone Federal Credit Union is a bank that gives you a free $100 bonus for opening an account and doing 4 debit card transactions with their card in 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus.
You will get your $100 bonus within 90 days of meeting the above requirements. Keep your account open until you get the bonus.
During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account. This deal combo's well with the First Tech FCU offer listed above for this reason, you can get FFA membership from one and then easily just use it for both offers.
https://www.redfcu.org/specials/refer-a-friend/redeem.html?first=AMADEO&last=RUIU&referralCode=RUI855220

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code and 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 virtually any source i.e. bank accounts, cashapp, etc.
https://chime.com/milazadrozny

Radius

Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus.
You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4
https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

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, can withdraw and close account any time.
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!
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.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 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 a 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!
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 getr this). PM me for a link.

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $10 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $10+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit.
N26 is available on iOS or Android only.
https://n26.com/amadeor4364

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Constant

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

Crypto.com is a cryptocurrency investing platform which will give you $25 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 $25 bonus crypto to celsius instantly.

Gemini

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!
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

Capital One Quicksilver

Capital One will pay you $200 for signing up for a Capital One Quicksilver credit card with a referral link and spending $500 it within the first 3 months. This deal is basically the same as the Chase Freedom card mentioned above.
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://capital.one/2V8xwY0

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!
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

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately.
https://worthybonds.com/?r=etyji

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, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
There's also the option of taking out a SoFi loan.
www.sofi.com/share/2498539?src=copy

Fetch

Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. My personal favorite scanning app! Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout.
They also give a $2 bonus for signing up using a referral code (open this link from your phone).
https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW

Raise

Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway.
www.sofi.com/share/2498539?src=copy

Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox.
https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds
I've also put together a small blog with those as well as the referrals listed below. I'd love it if you check it out. Thank you!
https://www.youngmoneywhisperer.com/home
submitted by TylerLozano to clicksforbeermoney [link] [comments]


2020.12.01 06:25 TylerLozano $1391+ guaranteed- Webull, Porte, Worthy, SoFi Money/Invest/Loans, FirstTech, Chime, Public, Aspiration, Dough,Stash, Voyager,Radius,Moomoo,Root,TradeUP,Robinhood, M1, Acorns, ChaseFreedom, CapOne,DiscoverIT, PMCU, SkyOne,N26,Orchid, PersCap,Constant,Celsius,Crypto.com,Wings,Oxygen,Round,Fetch,Raise

There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 4 free stocks (2 worth $2.50-$250 for opening an account, and 2 worth $8-$1600 each for depositing $100). Offer ends November 31st! That's a MINIMUM of $21 in free stock!
Webull 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.
Available on iOS or Android only.
http://share.public.com/rayruiu

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).
Available for iOS or Android only.
Open this link from your smart phone-
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 deposit required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
Available for iOS or Android only.
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.
Available on iOS and Android, or you can use their website.
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 the 15th of the following month. 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.
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.
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 $20 bonus that posts within 14 days.
M1 Finance is available on iOS or Android only.
https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

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 above), 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!
https://www.sofi.com/share/invest/2498539

Personal Capital

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.
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!
https://share.personalcapital.com/x/oGFEyl

Banks-

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 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 $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb69

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.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

First Tech Federal Credit Union

First Tech FCU is a bank that gives you a free $100 bonus for opening an account and depositing $250 for 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus.
During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account
https://refer.firsttechfed.com/s/AMADEO

Red Stone Federal Credit Union

Red Stone Federal Credit Union is a bank that gives you a free $100 bonus for opening an account and doing 4 debit card transactions with their card in 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus.
You will get your $100 bonus within 90 days of meeting the above requirements. Keep your account open until you get the bonus.
During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account. This deal combo's well with the First Tech FCU offer listed above for this reason, you can get FFA membership from one and then easily just use it for both offers.
https://www.redfcu.org/specials/refer-a-friend/redeem.html?first=AMADEO&last=RUIU&referralCode=RUI855220

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code and 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 virtually any source i.e. bank accounts, cashapp, etc.
https://chime.com/milazadrozny

Radius

Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus.
You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4
https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

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, can withdraw and close account any time.
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!
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.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 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 a 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!
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 getr this). PM me for a link.

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $10 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $10+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit.
N26 is available on iOS or Android only.
https://n26.com/amadeor4364

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Constant

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

Crypto.com is a cryptocurrency investing platform which will give you $25 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 $25 bonus crypto to celsius instantly.

Gemini

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!
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

Capital One Quicksilver

Capital One will pay you $200 for signing up for a Capital One Quicksilver credit card with a referral link and spending $500 it within the first 3 months. This deal is basically the same as the Chase Freedom card mentioned above.
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://capital.one/2V8xwY0

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!
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

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately.
https://worthybonds.com/?r=etyji

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, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
There's also the option of taking out a SoFi loan.
www.sofi.com/share/2498539?src=copy

Fetch

Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. My personal favorite scanning app! Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout.
They also give a $2 bonus for signing up using a referral code (open this link from your phone).
https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW

Raise

Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway.
www.sofi.com/share/2498539?src=copy

Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox.
https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds
I've also put together a small blog with those as well as the referrals listed below. I'd love it if you check it out. Thank you!
https://www.youngmoneywhisperer.com/home
submitted by TylerLozano to PromoCodeShare [link] [comments]


2020.12.01 06:17 TylerLozano $1391+ guaranteed- Webull, Porte, Worthy, SoFi Money/Invest/Loans, FirstTech, Chime, Public, Aspiration, Dough,Stash, Voyager,Radius,Moomoo,Root,TradeUP,Robinhood, M1, Acorns, ChaseFreedom, CapOne,DiscoverIT, PMCU, SkyOne,N26,Orchid, PersCap,Constant,Celsius,Crypto.com,Wings,Oxygen,Round,Fetch,Raise

There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 4 free stocks (2 worth $2.50-$250 for opening an account, and 2 worth $8-$1600 each for depositing $100). Offer ends November 31st! That's a MINIMUM of $21 in free stock!
Webull 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.
Available on iOS or Android only.
http://share.public.com/rayruiu

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).
Available for iOS or Android only.
Open this link from your smart phone-
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 deposit required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
Available for iOS or Android only.
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.
Available on iOS and Android, or you can use their website.
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 the 15th of the following month. 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.
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.
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 $20 bonus that posts within 14 days.
M1 Finance is available on iOS or Android only.
https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

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 above), 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!
https://www.sofi.com/share/invest/2498539

Personal Capital

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.
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!
https://share.personalcapital.com/x/oGFEyl

Banks-

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 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 $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb69

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.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

First Tech Federal Credit Union

First Tech FCU is a bank that gives you a free $100 bonus for opening an account and depositing $250 for 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus.
During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account
https://refer.firsttechfed.com/s/AMADEO

Red Stone Federal Credit Union

Red Stone Federal Credit Union is a bank that gives you a free $100 bonus for opening an account and doing 4 debit card transactions with their card in 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus.
You will get your $100 bonus within 90 days of meeting the above requirements. Keep your account open until you get the bonus.
During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account. This deal combo's well with the First Tech FCU offer listed above for this reason, you can get FFA membership from one and then easily just use it for both offers.
https://www.redfcu.org/specials/refer-a-friend/redeem.html?first=AMADEO&last=RUIU&referralCode=RUI855220

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code and 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 virtually any source i.e. bank accounts, cashapp, etc.
https://chime.com/milazadrozny

Radius

Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus.
You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4
https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

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, can withdraw and close account any time.
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!
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.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 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 a 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!
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 getr this). PM me for a link.

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $10 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $10+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit.
N26 is available on iOS or Android only.
https://n26.com/amadeor4364

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Constant

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

Crypto.com is a cryptocurrency investing platform which will give you $25 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 $25 bonus crypto to celsius instantly.

Gemini

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!
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

Capital One Quicksilver

Capital One will pay you $200 for signing up for a Capital One Quicksilver credit card with a referral link and spending $500 it within the first 3 months. This deal is basically the same as the Chase Freedom card mentioned above.
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://capital.one/2V8xwY0

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!
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

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately.
https://worthybonds.com/?r=etyji

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, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
There's also the option of taking out a SoFi loan.
www.sofi.com/share/2498539?src=copy

Fetch

Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. My personal favorite scanning app! Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout.
They also give a $2 bonus for signing up using a referral code (open this link from your phone).
https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW

Raise

Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway.
www.sofi.com/share/2498539?src=copy

Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox.
https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds
I've also put together a small blog with those as well as the referrals listed below. I'd love it if you check it out. Thank you!
https://www.youngmoneywhisperer.com/home
submitted by TylerLozano to referralcodes [link] [comments]


2020.12.01 04:46 PokeTheVeil Megathread #56: SARS-CoV-2/COVID-19. Month of December 2020.

COVID-19 Megathread #56

This is a megathread to consolidate discussion about the COVID-19 outbreak. This thread is a place for discussion, personal anecdotes of providing COVID care, brief updates, and professional questions about the epidemiology and management of COVID-19. Reputable sources (not unverified twitter posts!) are still requested to support any new claims about the outbreak.
We will be hosting a new megathread periodically depending on developments/content. The latest thread will always be stickied and will provide the most up-to-date information. If you just posted something in the previous thread right before it got unstickied and your question wasn't answered/your point wasn't discussed, feel free to repost it in the latest one.

Background and summary

On December 31st 2019, Chinese authorities reported a cluster of atypical pneumonia cases in Wuhan, China. A novel zoonotic virus was suspected and discovered, now named SARS-CoV-2. The syndrome of viral pneumonia caused by this virus -- sometimes associated with abnormal coagulation parameters, anosmia, anorexia, renal failure, and/or gastrointestinal distress -- has been termed COVID-19.
Despite extreme public health interventions at the first epicenter in Hubei province, China, the outbreak has become a global pandemic. Several factors have made for explosive spread of SARS-CoV-2: the human population is immunologically naive, the virus has a long incubation period and can be asymptomatically spread, and is highly infectious, with an rate of transmission significantly higher than epidemic influenza. Unfortunately, COVID-19 has proven deadly as well, with case fatality rate (CFR) estimates ranging between 0.1 to 1% or more. To date, an estimated 63 million people have been infected and some 1.5 million people have lost their lives in a confirmed case of COVID-19 since December 2019. The true numbers are suspected to be higher.
The effect of the pandemic on the healthcare system has been extreme, with cases overwhelming normal operations of hospitals during the initial surge in a number of regions, leading to staff exposure, illness, and in some cases, death. This was exacerbated by worldwide shortages in medical equipment, particularly personal protective equipment (PPE) for healthcare workers; shortages are still present in many parts of the world including the United States. Rationing of healthcare resources has been widely discussed, and in some areas implemented, creating agonizing decisions for doctors and families.
Healthcare organizations have also been starved of usual revenue, and despite an overwhelming demand for healthcare in some specialties and regions, other medical practices are seeing massive drops in income. Furloughs and pay cuts are becoming common across the American medical landscape. Telehealth visits are becoming common, and practices inside the hospital in many regions have completely transformed. In dense cities that have been handling an onslaught of patients for months, many frontline staff (ER, general medicine, ICU, etc) are physically and emotionally fatigued, yet still face a hazardous working environment.
Although some regions of the United States, Europe and Asia have been able to control the spread of COVID-19 with combinations of business shutdowns, shelter-in-place/quarantine orders, mandatory mask usage, and social distancing protocols, spread has accelerated in other regions of the United States, Brazil, Russia, and India among other areas. Public health interventions remain controversial in many areas, and particularly in the United States, have become politicized and rejected by many.
Medical science has struggled to keep pace with the spread of the virus. Despite a number of hastily executed clinical trials, few agents have been found to have any clinical effect on COVID-19 outcomes. Dexamethasone has emerged as the only treatment so far with a demonstrated mortality benefit in patients requiring supplemental oxygen or ventilator support. Misinformation and partial information (such as leaks of interim clinical trial data) are rife. Clinical treatment algorithms have swung wildly based on small case series, anecdotes and conjecture, though a shaky consensus for critical supportive care is starting to emerge. Virologists, immunologists, and others have pivoted their usual research and an impressive number of preprints have been generated. However, enormous questions remain, such as the nature of post-infectious immunity.
The news of November has been a rush of good news about multiple vaccines under development with high efficacy and, so far, no severe side effects. Several American vaccines are pursuing emergency use authorization from the FDA in the United States with estimated rollout as soon as this month in small numbers.

Subreddits:

Tracking/Maps/Modeling:

Resources from Organizational Bodies

Reminders

This subreddit is heavily moderated and comments may be removed without warning. In particular, users are reminded that this subreddit is for medical professionals—no personal health anecdotes or layperson questions are permitted. Users are reminded that in times of crisis or perceived crisis, laypeople on reddit may be turning to this professional subreddit and similar sources for information. Bad advice, pseudoscience, personal attacks, personal health situations, protected health information, and personal agendas are not permitted. The full subreddit rules can be found at medicine/about/rules. Please review advice about commenting and posting on medicine at medicine/wiki/index and medicine/wiki/faq. Though not mandatory, we ask users to please consider setting a subreddit flair on the sidebar before commenting to help contextualize their comments.
submitted by PokeTheVeil to medicine [link] [comments]


2020.12.01 04:34 payrollexpert Invest In A Payroll Software That Grows With Your Business

Invest In A Payroll Software That Grows With Your Business

https://preview.redd.it/q8i2i9e0xh261.png?width=1200&format=png&auto=webp&s=8ddff4106dda2ed02d400462e20df535e24e7d7b
Payday is typically a monthly affair that most people look forward to. For many small businesses and startups, it is a period of immense stress and frustration.

Why is payroll software important for small businesses?

Payroll is complicated and time-consuming. However, it is also a critical function within the organisation. As a small business owner, you need to ensure that your employees are paid accurately and on time.
Thankfully, technology today has automated this complex business function. Payroll software helps to keep your payroll data organised, automate tedious payroll calculation and catches any potential payroll calculation errors.
For small businesses, this helps to take away the stress in computing payroll and allow business owners to focus on the long-term strategies and business expansion.

How can small businesses ensure that their payroll software accommodates their growing business?

Small business owners may start off with purchasing payroll software that offers the basic features – payroll calculation, tax contributions and deductions and salary disbursement. These days, most payroll software are cloud-based as opposed to on-premise payroll software.
However, what most small business owners fail to realise is that their payroll software needs to grow in parallel with the business. As the business grows and employee headcount increases, payroll software with just the basic features may not be sufficient to handle the large employee headcount. This may result in the payroll software becoming less efficient at managing your payroll matters.
Invest in a payroll software is not just simply picking a payroll software that offers the very basic features. It is best to invest in a software that allows you to incorporate additional features and functionalities as your business expands.
Here are some functionalities that you may need to consider as your employee headcount increases alongside your business expansion.

Invest in a Human Resource Information System (HRIS)

With a payroll software in place, you will need to ensure that your employee records are up-to-date to ensure that employees are paid accurately. When you have a handful of employees, it is easy to record this information on an excel spreadsheet. However, this method of recordkeeping will definitely become a challenge when you have fifty or even a hundred employees.
This is when you should invest in a HRIS solution to manage large volumes of employee data. As your employee headcount increases, the amount of employee data that you need to store will definitely increase exponentially. Records such as employee’s position title, address, bank accounts and even dependents’ details have to be accurate and stored securely. Most payroll software vendors would be able integrate a HRIS solution within their existing payroll software, enabling you to store all this confidential information on a secure platform within your payroll software while allowing easy retrieval for payroll processing.

Implement a Leave Management System (LMS)

For some small business owners, their operations may expand across various countries across the region. It then becomes crucial for business owners to be aware of the respective labour laws and legislations in terms of personal time-off or annual leave obligations across various countries,
In most countries, employees are entitled to personal time-off as well as sick leave, maternity benefits or hospitalisation leave. Without a proper leave management system, it becomes difficult to track when employees go on leave as well as their corresponding leave entitlement. Concurrently, employees themselves may not be able to monitor their leave utilisation, resulting in over or under utilisation of their leave benefits.
Implementing a leave management system allows your HR team to effectively manage and track employees’ leave applications. With an auto update of employees’ leave balances, this ensures that accurate data is reflected within the payroll system, enforcing correct computation of payroll.

Utilise an Applicant Tracking System (ATS)

As your business expands, the number of available job positions within your organisation will likely increase. This translates to more hiring and recruitment activity. It also means that it may be a good time to consider utilising an Applicant Tracking System (ATS) to support your hiring and recruitment needs.
An ATS software allows your recruitment team to post job vacancies on job portals while managing job applications, resume submissions and tracking of applicants – essentially streamlining your entire recruitment process. Some payroll software providers allow you to integrate an ATS solution within your payroll software, which helps to simplify the hiring and employee management process by allowing candidates and employees to conduct tasks such as uploading documents, submitting payroll times, and communicating with HR.

Leverage on an Employee Onboarding Software

To further enhance the candidate and employee experience as your business grows, it might be helpful to consider leveraging on an employee onboarding software.
An onboarding software helps your new hires to transition seamlessly into your organisation by allowing your HR team to track the new joiner’s progress as they move through each stage of the onboarding process. This includes submission of their personal information, background checks and integration of their details for payroll administration. Most employee onboarding software acts as the connection between the ATS software and payroll software to facilitate smooth transition for these new hires.
As a small business owner, you may initially feel overwhelmed with the numerous payroll software vendors in the market. However, go with a payroll vendor that you are comfortable with regarding their price point, and that is able to provide you with added functionalities as your business grows. Invest in a payroll software that can help you save time to focus on growing your business, while effectively managing your payroll processes as your business expands.
submitted by payrollexpert to u/payrollexpert [link] [comments]


2020.12.01 02:54 darkomkd Wrote a post on Acquisition Channel Opportunities, should I continue writing each week?

You're probably using some well-known acquisition channels (like Facebook, Twitter) to try and get new users.
If you're familiar with the law of shitty clickthroughts, you'll know that over time, the effectiveness of these channelsis declining for two reasons: a) They become more saturated b) People notice them less and less (think: banner blindness).
The solution? Be on the lookout for new & promising acquisition channel opportunities/trends. How?
Platforms like Facebook/TwitteGoogle release new business features & ad formats & new content formats all the time. When they do that, they actively promote them by giving businesses (like you) who use them more exposure.
This is great news for you because suddenly, acquisition channels that were previously hard-to-entenot affordable suddenly get within your reach. This is the second issue of a weekly newsletter where I explore such trends/opportunities (and I'm not sure how to call them, please help me out), listing the latest news and what they mean for your user acquisition strategy. Let' begin:

Snapchat Publishers Report Higher Revenues (Opportunity: Place small bets on Snapchat)

Snapchat publishers are reporting higher RPMs (revenue per impressions) which mean 2 things: a) Advertisers are spending more money. b) More and more advertisers are coming on Snapchat
What this means for you: Businesses (as a whole) are not dumb. If they see a positive ROI, they'll spend more money on a channel. This is an opportunity to place some small bets on Snapchat ads (these guys offer A LOT of ad formats) and see you get promising results.

Facebook Releases Data-Driven "Best Practices" for Video (Opportunity: (Re)consider Video Ads)

Adding a trailer to your video can increase 1-minute video views by 43%. Using a 4:5 aspect ratio outperform 16:9 by 2x. These are some of the insights Facebook recently released on their official blog
What this means for you: Things like these can make or break a FB Ads Video campaign. If you've run FB video ads unsuccessfully, (re)consider making these changes and see if your metrics will improve.
Btw, if you guys like what you see and want to receive insights like these each week via email, feel free to subscribe to my Substack. Now going to the third opportunity:

TikTok: 80% of Gen-Z Have Influenced Their Parents to Buy Them Something They Saw on TikTok (Opportunity: Teens May Not Be a Waste of Time?)

TikTok released a holiday toolkit for small businesses looking to advertise on their platform. One of the interesting insights were that "a whopping 80% of Gen Z TikTokers have influenced their parents' purchases.". Another: "47% of TikTok users made a purchase decision based on what they saw in TikTok content."
What this means for you: If you're into B2C and target the younger generation, you'll def find stats like these useful, and consider placing some small bets on TikTok.

Pinterest Tests Online Events (Opportunity: Consider Adding Online Events as Part of Your Content Marketing Plan)

More specifically, they're working on enabling online classes where participants can join via Zoom.
What this means for you: More and more platforms allow content creators (like you) to a) Promote b) Monetize their online events (FB is beta-testing this). Consider getting into online events if they're compatible with what you do.
My predictions is that more and more mainstream platforms (FB, Pinterest, Google may follow suit) will make online events more visible to their audience & add new ad-formats where you can both promote and monetize these events.

Should I continue writing this?

Would you like news/opportunities like these every week? Let me know.
submitted by darkomkd to Entrepreneur [link] [comments]


2020.12.01 02:53 darkomkd Wrote another piece on acquisition channel opportunities, what do you think?

You're probably using some well-known acquisition channels (like Facebook, Twitter) to try and get new users.
If you're familiar with the law of shitty clickthroughts, you'll know that over time, the effectiveness of these channelsis declining for two reasons: a) They become more saturated b) People notice them less and less (think: banner blindness).
The solution? Be on the lookout for new & promising acquisition channel opportunities/trends. How?
Platforms like Facebook/TwitteGoogle release new business features & ad formats & new content formats all the time. When they do that, they actively promote them by giving businesses (like you) who use them more exposure.
This is great news for you because suddenly, acquisition channels that were previously hard-to-entenot affordable suddenly get within your reach. This is the second issue of a weekly newsletter where I explore such trends/opportunities (and I'm not sure how to call them, please help me out), listing the latest news and what they mean for your user acquisition strategy. Let' begin:

Snapchat Publishers Report Higher Revenues (Opportunity: Place small bets on Snapchat)

Snapchat publishers are reporting higher RPMs (revenue per impressions) which mean 2 things: a) Advertisers are spending more money. b) More and more advertisers are coming on Snapchat
What this means for you: Businesses (as a whole) are not dumb. If they see a positive ROI, they'll spend more money on a channel. This is an opportunity to place some small bets on Snapchat ads (these guys offer A LOT of ad formats) and see you get promising results.

Facebook Releases Data-Driven "Best Practices" for Video (Opportunity: (Re)consider Video Ads)

Adding a trailer to your video can increase 1-minute video views by 43%. Using a 4:5 aspect ratio outperform 16:9 by 2x. These are some of the insights Facebook recently released on their official blog
What this means for you: Things like these can make or break a FB Ads Video campaign. If you've run FB video ads unsuccessfully, (re)consider making these changes and see if your metrics will improve.
Btw, if you guys like what you see and want to receive insights like these each week via email, feel free to subscribe to my Substack. Now going to the third opportunity:

TikTok: 80% of Gen-Z Have Influenced Their Parents to Buy Them Something They Saw on TikTok (Opportunity: Teens May Not Be a Waste of Time?)

TikTok released a holiday toolkit for small businesses looking to advertise on their platform. One of the interesting insights were that "a whopping 80% of Gen Z TikTokers have influenced their parents' purchases.". Another: "47% of TikTok users made a purchase decision based on what they saw in TikTok content."
What this means for you: If you're into B2C and target the younger generation, you'll def find stats like these useful, and consider placing some small bets on TikTok.

Pinterest Tests Online Events (Opportunity: Consider Adding Online Events as Part of Your Content Marketing Plan)

More specifically, they're working on enabling online classes where participants can join via Zoom.
What this means for you: More and more platforms allow content creators (like you) to a) Promote b) Monetize their online events (FB is beta-testing this). Consider getting into online events if they're compatible with what you do.
My predictions is that more and more mainstream platforms (FB, Pinterest, Google may follow suit) will make online events more visible to their audience & add new ad-formats where you can both promote and monetize these events.

Should I continue writing this?

Would you like news/opportunities like these every week? Let me know.
submitted by darkomkd to EntrepreneurRideAlong [link] [comments]


2020.12.01 02:14 BreakwaterResearch AbCellera's (ABCL) $200mn IPO: Everything You Need to Know about the Peter Thiel-backed, AI-powered, COVID-treatment approved, Biotech Company

Hi all,
We're excited about AbCellera's IPO and noticed nobody is really paying attention or interested. We've put together an analysis on their IPO below, with diagrams available at our seekingalpha blog post below. Appreciate any feedback and discussion!
https://www.bnnbloomberg.ca/covid-19-treatment-developer-abcellera-biologics-files-for-ipo-1.1525743
Summary
Here’s all you need to know about AbCellera and its proposed IPO.
As part of our multi-part series detailing all you need to know about AbCellera and its IPO, part I of our analysis will focus on providing an overview of AbCellera's business model, competitive landscape, key financial metrics, IPO details, and our investment thesis. These are summarized in the outline below. Part II will dive deeper into the valuation, existing contracts, pro-forma financials, capital structure, and go-forward expectations for the business.
Outline
  1. Business Model
  2. Recent Developments / Company Timeline
  3. Management Team & Board Overview
  4. Financial Analysis
  5. Competitive Landscape
  6. IPO Details
  7. The Bottom Line
AbCellera Business Model
AbCellera provides drug developers with a platform to find antibody candidates for drug research. Its AI-powered full-stack platform searches and analyzes real-world immune system databases to find leads that are subsequently used for clinical R&D. Unlike its competitors, AbCellera operates along the entire value chain from sourcing to the delivery of antibody candidates; this solves the existing problem of either inadequate/outdated discovery approaches or using multiple fragmented solutions (costly and inefficient).
AbCellera’s revenue is split into three streams - these streams include:
  1. Licensing / Research Fees (68% of revenue, 9 months ended September 30, 2020): payments for technology access and performing research
  2. Milestone Payments (32% of revenue): downstream payments for clinical/commercial milestones. Note: Only one program, LY-CoV555 with Eli Lilly, to date has resulted in milestone payments
  3. Royalties: royalties on net sales of any approved therapeutics. Note: As of September 30, 2020, AbCellera has yet to receive any royalties. Royalties generally will range from low-single digit for non-COVID targets to mid-teens to mid-twenties for COVID targets
As of September 30, 2020, AbCellera had 94 discovery programs either completed, in-progress, or under contract, with a few public key partnerships below. Some of AbCellera’s recent, public partnerships are as follows:
Eli Lilly (NYSE: LLY) - On March 12, 2020, AbCellera and Lilly announced to co-develop antibody therapies for the treatment of COVID-19, the potential treatment LY-CoV555 accelerated due to Coronavirus Treatment Acceleration Program. As part of the agreement, AbCellera received an upfront payment of $25mn and is entitled to receive an aggregate of up to $29mn of milestone payments. As of September 30, 2020, AbCellera has received $8mn related to LY-CoV555 and is eligible to receive royalties on aggregate sales (including Lilly’s $375mn and $312.5mn contracts with the US government and US Army Contracting Command respectively).
Invetx - On February 23, 2020, AbCellera originally entered a multi-year, multi-target partnership agreement with Invetx. Based on the successful delivery of research programs under the original agreement, the scope of the collaboration has been expanded to include multiple new targets over several years on November 19, 2020.
Kodiak Sciences (NASDAQ: KOD) - After a successful collaboration in 2016, AbCellera and Kodiak Sciences announced a new partnership on October 29. 2020 to generate therapeutic antibody candidates in ophthalmology.
IGM Biosciences (NASDAQ: IGMS) - AbCellera and IGM Biosciences announced on September 24, 2020, that they have entered into a multi-year, multi-target strategic research collaboration and license agreement to facilitate the discovery and development of novel IgM antibodies.
AbCellera’s business strategy (per prospectus) is focused on (i) using the drug discovery platform to unlock new opportunities for therapeutic antibody development; and (ii) partners access the platform to eliminate the extended delays and costs associated with setting up drug discovery capabilities.
Recent Developments / Company Timeline
  1. In March 2020, AbCellera entered into a discovery partnership with Eli Lilly and Company, to perform discovery research for a number of targets for Lilly that will result in antibodies for Lilly to develop and potentially commercialize.
  2. In April 2020, AbCellera entered into a multi-year agreement with the Canadian government’s Strategic Innovation Fund, and CAD $175.6mn ($125.6mn) was committed by the Government of Canada, of which >$110mn remains and is intended to be used to build a GMP facility.
  3. In June 2020, LY-Cov555 moved to first in-inhuman testing and progressed to Phase 3 clinical trials.
  4. In November 2020, LY-CoV555 was granted emergency-use authorization by the FDA and Health Canada. For the nine months ended September 30, 2020, AbCellera received an aggregate of $8.0mn upon the satisfaction of clinical milestones by Lilly.
  5. In November 2020, AbCellera acquired Trianni for $90.0mn. Trianni develops transgenic mice that provide a source of fully-human antibodies for therapeutic antibody candidates. Trianni mouse technology will allow AbCellera to generate more high-quality antibodies against difficult targets and improve the speed of the discovery programs. In addition to strategic value, Trianni also generates revenues through mouse sales, platform licensing fees and associated downstream milestone payments.
📷
Company Timeline: AbCellera has demonstrated consistent growth and has generated positive operating cash flow cumulatively since its inception in 2012.
Management Team & BOD Overview
AbCellera’s management team is highly experienced with significant experience in related industries. AbCellera has also continued to bolster its board of directors with high-profile names including Peter Thiel (Palantir, Paypal, Facebook) and John Montalbano (CPPIB) ahead of its IPO.
With its recent additions, we view AbCellera’s management team and board as a strength.
📷
Shareholders are detailed below:
📷
Financial Analysis
In Part II of this analysis, we will take a deeper dive into the valuation, pro forma financials, capital structure, and go-forward expectations for the business. The below provides a brief overview of the financials. We view the company to be financially healthy, given the low capitalization and limited contractual obligations, supported by continued licensing/research revenue and royalties from LY-CoV555 and other contracts.
Revenue has grown at a 109% CAGR since 2014, primarily driven by increased research fees (driven by the number and quality of programs under contract) and milestone fees (AbCellera received its first milestone fee in 2020 from Lilly of $8mn). September 2020 YTD revenue was ~$25mn (~$30mn pro forma for Trianni acquisition).
Key Revenue Drivers in the near term will include milestone payments on existing contracts and royalty payments from Lilly for LY-CoV555. The company is eligible for royalties in low- to mid-teens for aggregate sales below $125mn and mid-teens to mid-twenties on aggregate sales above $125mn. Assuming a 20% royalty on existing US contracts (~$690mn), this would drive an incremental $137mn of revenue (excluding an additional $21mn available through milestone payments).
Liquidity will be bolstered by the equity raise, with the use of proceeds used to continue making investments in R&D, building its business development team and other general corporate purposes. AbCellera has more than $8mn of total future contractual obligations and commitments (as of September 30, 2020), which can be financed through cash on hand or other debt (AbCellera has demonstrated access to bank and private placement debt).
Capital Structure will look significantly different post-IPO; pro forma for the conversion of ~$80mn of convertible preferred shares and $90mn of convertible notes, AbCellera will have limited leverage on the balance sheet.
Competitive Environment
AbCellera’s current market position as a full-stack service provider provides meaningful barriers to entry, with its primary competitors providing services at some point along its value chain. The integrated nature of AbCellera’s services (provides integrated services from start to end), in addition to the nature of its AI-platform (interconnection and scale enable AI to continuously become more efficient) is a competitive advantage.
That being said, the life sciences and biotech platform technology market is highly competitive; technical competitors at different stages of AbCellera’s platform in the following fields are detailed below:
Single-cell screening: Berkeley Lights Inc. (NASDAQ: BLI), HiFiBio Inc., Ligand Pharmaceuticals Inc. (NASDAQ: LGND), and Sphere Fluidics Ltd.
Antibody RepSeq: 10X Genomics Inc. (NASDAQ: TXG), Adaptive Biotechnologies Corp. (NASDAQ: ADPT), Atreca Inc (NASDAQ: BCEL). and Distributed Bio Inc.
Bispecific antibody engineering: Abbvie Inc. (NYSE:ABBV), Genmab A/S, Merus N.V. and Zymeworks Inc. (NYSE:ZYME)
Discovery using genetically engineered rodents: Ablexis LLC, Crescendo Biologics Ltd., Harbour Antibodies BV, Kymab Ltd., Ligand Pharmaceuticals Inc (NASDAQ: LGND). and RenBio Inc.
In addition, AbCellera competes with a variety of fee-for-service contract research organizations, in most cases using legacy technologies that would compete with one or more steps in AbCellera’s technology stack. Organizations may also elect to develop their workflows on legacy systems rather than rely on AbCellera’s platform.
IPO Details
The IPO will be jointly underwritten by Credit Suisse (left lead), Stifel, Berenberg, SVB (healthcare specialist) and BMO Capital Markets. While the IPO has yet to be priced, we expect the IPO to price wide of the latest $12.46 funding round precedents, driven by continued positive news (FDA and Health Canada approval for Bamlanivimab, Trianni acquisition, new contracts, and more). We note the following pricing precedents:
Assuming a $25/share IPO price (refinements to valuation to come), we expect the fully-diluted share count to be ~39.8mn (~15.4mn shares outstanding as of September 30 plus ~$8.0mn shares issued as part of IPO plus ~8.1mn of convertible preferreds plus ~4.2mn of convertible notes plus ~4.0mn of options in the money), putting the pro forma market capitalization at ~$1.0bn.
The Bottom Line
Our Investment Thesis: we think that AbCellera is well-positioned to grow as a leader in an attractive, lucrative, and fragmented industry, supported by a strong management team and board. As the Company continues to find success, AbCellera will transition from its position today as a company heavily dependent on near-term binary outcomes (reliance on a few partnerships with milestone payments for revenue) to a more stable (royalty cash flows) company with significant upside for growth.
The Positives:
The Risks:
Disclosure: I/we have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.
I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it. I have no business relationship with any company whose stock is mentioned in this article.
https://seeking alpha.com/instablog/52796529-breakwater-research/5525083-pre-ipo-everything-you-need-to-know-abcellera-part-i
submitted by BreakwaterResearch to Biotechplays [link] [comments]


2020.12.01 01:43 BreakwaterResearch AbCellera's (ABCL) $200mn IPO: Everything You Need to Know about the Peter Thiel-backed, AI-powered, COVID-treatment approved, Biotech Company

Hi all,
We're excited about AbCellera's IPO and noticed nobody is really paying attention or interested. We've put together an analysis on their IPO below, with diagrams available at our seekingalpha blog post below. Appreciate any feedback and discussion!
https://www.bnnbloomberg.ca/covid-19-treatment-developer-abcellera-biologics-files-for-ipo-1.1525743
Summary
Here’s all you need to know about AbCellera and its proposed IPO.
As part of our multi-part series detailing all you need to know about AbCellera and its IPO, part I of our analysis will focus on providing an overview of AbCellera's business model, competitive landscape, key financial metrics, IPO details, and our investment thesis. These are summarized in the outline below. Part II will dive deeper into the valuation, existing contracts, pro-forma financials, capital structure, and go-forward expectations for the business.

Outline

  1. Business Model
  2. Recent Developments / Company Timeline
  3. Management Team & Board Overview
  4. Financial Analysis
  5. Competitive Landscape
  6. IPO Details
  7. The Bottom Line

AbCellera Business Model

AbCellera provides drug developers with a platform to find antibody candidates for drug research. Its AI-powered full-stack platform searches and analyzes real-world immune system databases to find leads that are subsequently used for clinical R&D. Unlike its competitors, AbCellera operates along the entire value chain from sourcing to the delivery of antibody candidates; this solves the existing problem of either inadequate/outdated discovery approaches or using multiple fragmented solutions (costly and inefficient).
AbCellera’s revenue is split into three streams - these streams include:
  1. Licensing / Research Fees (68% of revenue, 9 months ended September 30, 2020): payments for technology access and performing research
  2. Milestone Payments (32% of revenue): downstream payments for clinical/commercial milestones. Note: Only one program, LY-CoV555 with Eli Lilly, to date has resulted in milestone payments
  3. Royalties: royalties on net sales of any approved therapeutics. Note: As of September 30, 2020, AbCellera has yet to receive any royalties. Royalties generally will range from low-single digit for non-COVID targets to mid-teens to mid-twenties for COVID targets
As of September 30, 2020, AbCellera had 94 discovery programs either completed, in-progress, or under contract, with a few public key partnerships below. Some of AbCellera’s recent, public partnerships are as follows:
Eli Lilly (NYSE: LLY) - On March 12, 2020, AbCellera and Lilly announced to co-develop antibody therapies for the treatment of COVID-19, the potential treatment LY-CoV555 accelerated due to Coronavirus Treatment Acceleration Program. As part of the agreement, AbCellera received an upfront payment of $25mn and is entitled to receive an aggregate of up to $29mn of milestone payments. As of September 30, 2020, AbCellera has received $8mn related to LY-CoV555 and is eligible to receive royalties on aggregate sales (including Lilly’s $375mn and $312.5mn contracts with the US government and US Army Contracting Command respectively).
Invetx - On February 23, 2020, AbCellera originally entered a multi-year, multi-target partnership agreement with Invetx. Based on the successful delivery of research programs under the original agreement, the scope of the collaboration has been expanded to include multiple new targets over several years on November 19, 2020.
Kodiak Sciences (NASDAQ: KOD) - After a successful collaboration in 2016, AbCellera and Kodiak Sciences announced a new partnership on October 29. 2020 to generate therapeutic antibody candidates in ophthalmology.
IGM Biosciences (NASDAQ: IGMS) - AbCellera and IGM Biosciences announced on September 24, 2020, that they have entered into a multi-year, multi-target strategic research collaboration and license agreement to facilitate the discovery and development of novel IgM antibodies.
AbCellera’s business strategy (per prospectus) is focused on (i) using the drug discovery platform to unlock new opportunities for therapeutic antibody development; and (ii) partners access the platform to eliminate the extended delays and costs associated with setting up drug discovery capabilities.

Recent Developments / Company Timeline

  1. In March 2020, AbCellera entered into a discovery partnership with Eli Lilly and Company, to perform discovery research for a number of targets for Lilly that will result in antibodies for Lilly to develop and potentially commercialize.
  2. In April 2020, AbCellera entered into a multi-year agreement with the Canadian government’s Strategic Innovation Fund, and CAD $175.6mn ($125.6mn) was committed by the Government of Canada, of which >$110mn remains and is intended to be used to build a GMP facility.
  3. In June 2020, LY-Cov555 moved to first in-inhuman testing and progressed to Phase 3 clinical trials.
  4. In November 2020, LY-CoV555 was granted emergency-use authorization by the FDA and Health Canada. For the nine months ended September 30, 2020, AbCellera received an aggregate of $8.0mn upon the satisfaction of clinical milestones by Lilly.
  5. In November 2020, AbCellera acquired Trianni for $90.0mn. Trianni develops transgenic mice that provide a source of fully-human antibodies for therapeutic antibody candidates. Trianni mouse technology will allow AbCellera to generate more high-quality antibodies against difficult targets and improve the speed of the discovery programs. In addition to strategic value, Trianni also generates revenues through mouse sales, platform licensing fees and associated downstream milestone payments.
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Company Timeline: AbCellera has demonstrated consistent growth and has generated positive operating cash flow cumulatively since its inception in 2012.

Management Team & BOD Overview

AbCellera’s management team is highly experienced with significant experience in related industries. AbCellera has also continued to bolster its board of directors with high-profile names including Peter Thiel (Palantir, Paypal, Facebook) and John Montalbano (CPPIB) ahead of its IPO.
With its recent additions, we view AbCellera’s management team and board as a strength.
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Shareholders are detailed below:
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Financial Analysis

In Part II of this analysis, we will take a deeper dive into the valuation, pro forma financials, capital structure, and go-forward expectations for the business. The below provides a brief overview of the financials. We view the company to be financially healthy, given the low capitalization and limited contractual obligations, supported by continued licensing/research revenue and royalties from LY-CoV555 and other contracts.
Revenue has grown at a 109% CAGR since 2014, primarily driven by increased research fees (driven by the number and quality of programs under contract) and milestone fees (AbCellera received its first milestone fee in 2020 from Lilly of $8mn). September 2020 YTD revenue was ~$25mn (~$30mn pro forma for Trianni acquisition).
Key Revenue Drivers in the near term will include milestone payments on existing contracts and royalty payments from Lilly for LY-CoV555. The company is eligible for royalties in low- to mid-teens for aggregate sales below $125mn and mid-teens to mid-twenties on aggregate sales above $125mn. Assuming a 20% royalty on existing US contracts (~$690mn), this would drive an incremental $137mn of revenue (excluding an additional $21mn available through milestone payments).
Liquidity will be bolstered by the equity raise, with the use of proceeds used to continue making investments in R&D, building its business development team and other general corporate purposes. AbCellera has more than $8mn of total future contractual obligations and commitments (as of September 30, 2020), which can be financed through cash on hand or other debt (AbCellera has demonstrated access to bank and private placement debt).
Capital Structure will look significantly different post-IPO; pro forma for the conversion of ~$80mn of convertible preferred shares and $90mn of convertible notes, AbCellera will have limited leverage on the balance sheet.

Competitive Environment

AbCellera’s current market position as a full-stack service provider provides meaningful barriers to entry, with its primary competitors providing services at some point along its value chain. The integrated nature of AbCellera’s services (provides integrated services from start to end), in addition to the nature of its AI-platform (interconnection and scale enable AI to continuously become more efficient) is a competitive advantage.
That being said, the life sciences and biotech platform technology market is highly competitive; technical competitors at different stages of AbCellera’s platform in the following fields are detailed below:
Single-cell screening: Berkeley Lights Inc. (NASDAQ: BLI), HiFiBio Inc., Ligand Pharmaceuticals Inc. (NASDAQ: LGND), and Sphere Fluidics Ltd.
Antibody RepSeq: 10X Genomics Inc. (NASDAQ: TXG), Adaptive Biotechnologies Corp. (NASDAQ: ADPT), Atreca Inc (NASDAQ: BCEL). and Distributed Bio Inc.
Bispecific antibody engineering: Abbvie Inc. (NYSE:ABBV), Genmab A/S, Merus N.V. and Zymeworks Inc. (NYSE:ZYME)
Discovery using genetically engineered rodents: Ablexis LLC, Crescendo Biologics Ltd., Harbour Antibodies BV, Kymab Ltd., Ligand Pharmaceuticals Inc (NASDAQ: LGND). and RenBio Inc.
In addition, AbCellera competes with a variety of fee-for-service contract research organizations, in most cases using legacy technologies that would compete with one or more steps in AbCellera’s technology stack. Organizations may also elect to develop their workflows on legacy systems rather than rely on AbCellera’s platform.

IPO Details

The IPO will be jointly underwritten by Credit Suisse (left lead), Stifel, Berenberg, SVB (healthcare specialist) and BMO Capital Markets. While the IPO has yet to be priced, we expect the IPO to price wide of the latest $12.46 funding round precedents, driven by continued positive news (FDA and Health Canada approval for Bamlanivimab, Trianni acquisition, new contracts, and more). We note the following pricing precedents:
Assuming a $25/share IPO price (refinements to valuation to come), we expect the fully-diluted share count to be ~39.8mn (~15.4mn shares outstanding as of September 30 plus ~$8.0mn shares issued as part of IPO plus ~8.1mn of convertible preferreds plus ~4.2mn of convertible notes plus ~4.0mn of options in the money), putting the pro forma market capitalization at ~$1.0bn.

The Bottom Line

Our Investment Thesis: we think that AbCellera is well-positioned to grow as a leader in an attractive, lucrative, and fragmented industry, supported by a strong management team and board. As the Company continues to find success, AbCellera will transition from its position today as a company heavily dependent on near-term binary outcomes (reliance on a few partnerships with milestone payments for revenue) to a more stable (royalty cash flows) company with significant upside for growth.
The Positives:
The Risks:
Disclosure: I/we have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.
I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it. I have no business relationship with any company whose stock is mentioned in this article.

https://seeking alpha.com/instablog/52796529-breakwater-research/5525083-pre-ipo-everything-you-need-to-know-abcellera-part-i
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2020.12.01 01:34 chriswhitelawyer What Happens To My Vehicle After A Car Accident?

A common issue after a car accident is dealing with a damaged vehicle. As a general matter, when a client calls me and has a car accident claim, I first see if I can help them obtain medical treatment. Secondly, I get their vehicle addressed as quickly as possible. Because I understand that a car, at least in most parts of the Country, is an integral part of our lives. What happens to your vehicle after a car accident is dependent on the level of damage to the vehicle. Whether or not the vehicle was declared a total loss is an important determination. In any event, I also move the process along to get clients in rental vehicles after an accident quickly.

What If My Car Is Repairable After A Car Accident?

After an accident, the repair shop will determine if your vehicle is repairable. If your vehicle is repairable then your car will most likely be fixed and returned to you. Sometimes, it is best to go through your own insurance to get the repairs done quickly. After the repairs are done your insurance will then submit what is known as a "subrogation Package" to the at-fault parties insurance. The subrogation package essentially bills the at-fault parties insurance. Sometimes, if the at-fault parties insurance accepts liability immediately then you can go through them for the repairs.
Either way, after your vehicle is repaired to pre-crash condition you will most likely have what is known as a Diminution in Value Claim. The Diminution in Value Claim is a lost resale value claim. In other words, the market value your vehicle has lost after an accident, after it has been fully repaired by the repair shop.
Lost Resale Value Claim

What If My Car Is Totaled In A Car Accident?

If your vehicle is totaled in a car accident then typically the at-fault parties insurance will cover the loss. If your vehicle is financed then the insurance company will usually pay the financier. This is because they are the entity that holds the title to your vehicle.
Please note that none of the foregoing is legal advice nor should be considered a legal advertisement, if you have a legal matter you should most likely contact an attorney. Even if you decide not to call me you should probably still get in contact with a lawyer. The Law Offices of Christopher G. White, P.A. is a Global Law Firm available for free consultations in person, via Facetime, Skype, Zoom or phone (434) 660-9701. Check out my website and blog articles. Thank you for reading, please also look at my other practice areas, like Security Clearance Lawyer and Car Accident Lawyer. At my Law Firm we focus on the best result for the client. To stay connected I have a Youtube Channel, TikTok, Instagram, Facebook, Twitter, LinkedIn, Tumblr, Blogger, Reddit, Yelp, Avvo and Justia. Thank you for your time and consideration.

The Law Office of Christopher G. White, P.A.

A GLOBAL LAW FIRM

(available in person, skype, facetime or zoom)
Ph:(434) 660-9701
Fax: (434) 818-0866
Email: [email protected]
Washington, D.C. Office Available by Appointment:
1701 Pennsylvania Avenue, Suite 200
Washington, DC 20006
Lynchburg, Virginia Office Available by Appointment:
100 Tradewynd Dr.
Lynchburg, VA 24502
Jacksonville, Florida Office Available by Appointment:
9424 Baymeadows Rd. Ste. 250
Jacksonville, FL 32256
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2020.12.01 00:41 mrrockymountain ideas for dec internship

I'm just wrapping up my second intro to accounting course, part of 11 courses required to become a CPA in my state. Becoming a CPA is a long term goal. For the month of Dec I won't have any coursework, just a small part time business that I run. It does have some bookkeeping and tax activities but I really would like to increase/broaden my accounting education and experience. Ideally it would be remote, about 10 hrs per week, self paced, not client facing and only for the month of Dec (although I'm open to continuing at a reduced level beyond Dec).
Can you think of any types of businesses or tasks that might fit this or is it just unreasonable to expect to find all of these things?
I live in a large city on the west coast and was thinking about reaching out to some of the neighborhood accounting firms. Maybe I could help w/ bookkeeping? Reviewing forms for errors? I have a background in biology research so I'm comfortable managing data using excel and learning new software. Compiling numbers from financial statements and/or doing ratio analysis? Helping firms that do short selling w/ research and identification of companies committing fraud?
Maybe writing SEO focused blog posts to attract new desirable clients of interest to the firm (whatever niche they're in)? I have experience in successful online marketing via SEO/SEM for my small business. I suppose I could also just read ahead for my upcoming managerial accounting course.
Any other ideas or types of firms that I should reach out to?
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2020.12.01 00:22 FalconSteve89 Object Storage for Home

Has anyone here tried using object storage for a homelab? What did you use (ceph, GlusterFS, something else)? What are your experiences?
I'm a datahoarder and rebuilding my storage. I use it mostly for media storage (TV & movies via plex, music via SMB or iTunes), photography files (RAW & jpeg), data storage (a lot of PDFs), software, backups, and a some random crap. I will have a second site at my Dad's house for offsite backup (initial sync over LAN)
I like that I can use drives of different sizes in the same pool and it's easy to expand the pool.
Does anyone here have any experience with using plex with object storage (I know I need a gateway)
How does multi-site parity work?
How hard is it to setup a second site? (both sites had dynamic IP addresses, but I do have dynamicDNS setup on both sides).
Am I overthinking this and it would be best to stick with freeNAS?
My available drives include (current configuration):
I also have a Lenovo ix2 somewhere
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2020.12.01 00:11 Magalainen [Question] iPhone XS on iOS 13.5: decrypting my keychain with a jailbreak?

A little new to jailbreaking. I have my iPhone XS still on iOS 13.5 (not yet jailbroken) and ultimately want to dump keychain-2.db, decrypt the data used for Signal's database cipher, then dump the database and decrypt it so I can have my chats backed up on my PC.
I'm hoping there's a way to do this without buying expensive forensic toolkits, such as the one from Elcomsoft: https://blog.elcomsoft.com/2019/08/how-to-extract-and-decrypt-signal-conversation-history-from-the-iphone/
At least this part I've found out to do on my own after acquiring a decrypted keychain: https://github.com/Magpol/HowTo-decrypt-Signal.sqlite-for-IOS
My question is, since I found nothing except the forensic toolkits advertising their funcitonality, how would I even go about decrypting the keychain on my iPhone XS?
Thanks!
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