The past 5 trading days have shown strong reversal patterns for these three miners and although, less pronounced - $VALE.
$BHP, $RIO &$VALE - #2, #3 & #5 miners in the world respectively.

#2 BHP Group Ltd. (BHP)

Revenue (TTM): $42.9 billion
Net Income (TTM): $8.0 billion
Market Cap: $137.2 billion
1-Year Trailing Total Return: 9.9%
Exchange: New York Stock Exchange

BHP is an Australia-based international resources company. It explores and mines minerals, including coal, iron ore, gold, titanium, ferroalloys, nickel, and copper properties. It also offers petroleum exploration, production, and refining services. The company serves customers worldwide.
https://preview.redd.it/v43u814qkdg61.jpg?width=1170&format=pjpg&auto=webp&s=f0fde0484907cf816ce1f5489dea0e40b0f86832

https://preview.redd.it/yfbb6i2vwdg61.jpg?width=1170&format=pjpg&auto=webp&s=652a0d1c8a8f2efa9366cb5d5e79a4bd779cd4c6

#3 Rio Tinto PLC (RIO)

Revenue (TTM): $41.8 billion
Net Income (TTM): $7.2 billion
Market Cap: $79.8 billion
1-Year Trailing Total Return: 21.0%
Exchange: New York Stock Exchange

https://preview.redd.it/7gygeosskdg61.jpg?width=1170&format=pjpg&auto=webp&s=5dbbecdd8ba4f2d8392c8337b5c52a4760bf990b

#5 Vale SA (VALE)

Revenue (TTM): $34.7 billion
Net Income (TTM): $1.3 billion
Market Cap: $59.9 billion
1-Year Trailing Total Return: -3.7%
Exchange: New York Stock Exchange

https://preview.redd.it/avmhkuuwkdg61.jpg?width=1170&format=pjpg&auto=webp&s=e5f590de8987b9c5dff61f7d3dd1904605d52cfd
I know what you are thinking - "this must be part of the steel play you've been talking about non-stop since December. . .blah, blah, blah. . .yeah, we know. . .don't need anymore CB from you."
That's Confirmation Bias for the newbies.
I know, if you are here you know about steel and why I like $MT - hey, it was up today - I think we see more price run due to $MT being able to unload $CLF shares - which I also think is bullish for $CLF and yes, I'm buying more $CLF on the dip tomorrow.
It was a brilliant move, in my opinion, by our boy, LG @ $CLF.
He clears the deck before the earnings call and this is seen as a bullish move to pay off 9.875% high interest notes with a share offering of 60 million, 40 million of which is being sold by $MT.
20 million shares by $CLF.
I'll have more coming on these two, but I like the move for both.
So, back to the miners - $BHP, $FCX, $RIO & $VALE.
I do like the iron ore play on steel and believe we will see elevated prices considerably above historic norms for the remainder of 2021.
However, what I like more than iron ore are the metals that are going into smartphones, computers, and batteries for EV's and infrastructure.
So, we have:
$BHP - https://www.bhp.com/our-businesses/
$FCX - https://fcx.com/
$RIO - https://www.riotinto.com/products
$VALE - http://www.vale.com/EN/business/mining/Pages/default.aspx
The increased demand of:
NICKEL - been on a tear since March lows https://www.investing.com/commodities/nickel-historical-data - the price is more tied to stainless steel, but Battery Plays are driving speculation.
COPPER - The price of copper is believed to provide a reliable measure of economic health, as changes to copper prices can suggest global growth or an upcoming recession. With high volatility and strong liquidity, copper is attractive to traders. Copper spot price is affected by extraction and transportation costs, as well as supply and demand.

https://preview.redd.it/q7im2jyesdg61.png?width=2004&format=png&auto=webp&s=647e1ce78cdef7e774eb8b6161ee18c019d2c994
ZINC - sharp recovery since March lows, following all other metals - https://uszinc.com/services/lme-pricing/
ALUMINUM - recovery following other metals to new highs:

https://preview.redd.it/4t5icp7atdg61.png?width=1222&format=png&auto=webp&s=483d5c88a01399ea47ad28278d0a9f27f2bdbe5e
BTW, I'm bullish AF on $AA, but that too is a DD for another day.
Now the Confirmation Bias:

COPPER

https://www.mining.com/copper-price-lifted-by-us-stimulus-china-inventory-squeeze/
Copper prices rose on Monday as optimism around a US stimulus raised hopes of higher demand for metals and a recovery in the world’s biggest economy.
The copper price rose as much as 1.3% to $3.6745 ($8,100 a tonne) on the Comex market on Monday, with March delivery contracts back within shouting distance of multi-year highs hit early in January.
The metal has rallied nearly 90% since the depth of the pandemic in March.

Thinning inventories

The rise in copper prices is underpinned by thinning inventories that pointed to higher demand for the industrial metal.
“Inventories are still quite low on exchanges. That gives good indication that manufacturing demand for copper is present and that its not just a speculative story,” Nitesh Shah, an analyst at investment manager WisdomTree, told Reuters.
In China, the world’s top consumer, copper inventories normally accumulate in the run up to the Lunar New Year as businesses close for the week-long festivities.
But this year, Chinese inventories have dropped to near decade lows on robust demand from factories, which are maintaining high operating rates due to shortened shutdown periods and tighter travel restrictions for workers.
Meanwhile, effects of the coronavirus pandemic on copper supply continues to be felt. In what was supposed to be a year of supply growth, global mined output during the first 10 months of 2020 were 0.5% lower compared to 2019 levels, according to the International Copper Study Group (ICSG).
In Peru, the world’s second-biggest producer, copper output plunged 12.5% to 2.15 million tonnes in 2020, the country’s Energy and Mines Ministry said on Monday.

Copper miners gain

Despite copper prices hitting a slump in the second half of January, the world’s top copper producers have continued to rally this year after spectacular gains in 2020.
Shares of BHP, the largest publicly traded copper company, are up 6% year-to-date.
Copper, like most commodities, has been a cyclical investment whose demand ebbs and flows with economic cycles. Traditionally, roughly half of all copper demand has come from new building construction and infrastructure, China has been the single biggest market by far. With many global economies in or entering recovery phases, cyclical demand is on the upswing.
Green initiatives around the world offer a secular tailwind as well. The European Green Deal, President Joe Biden’s ambitious climate plan, and China’s target of carbon neutral by 2060 all point to increasing incremental demand for copper.
Although mining stocks have in many cases quadrupled since their March 2020 lows, many names are still trading below their previous highs, and at a time when fundamentals are improving.
Take Freeport-McMoRan, $FCX, a Phoenix-based company whose business is roughly 70% copper, 20% gold, and 10% other. The stock plummeted to $7 a share during the selloff last spring and has since recovered to a recent $30. But it is still about half what it was at previous highs of around $60 in early 2008 and 2011.
The big news on copper yesterday was regarding $RIO and the Mongolian situation.
Feb 8 (Reuters) - Mongolia's government is seeking to cancel a deal with miner Rio Tinto to expand the OyuTolgoi copper mine in the Gobi Desert and replace it with a new agreement, the Financial Times reported.
https://www.miningweekly.com/article/mongolia-seeks-more-tax-revenue-from-rio-copper-mine-expansion--source-2021-02-09/rep_id:3650
Many thought this was potentially bad news for $RIO, but it appears it's about working out a little more tax dollars for the government and a deal will be struck.
The underground expansion will push annual production to nearly 500,000 tonnes per year, making it among the world’s biggest copper mines

Global copper demand

As mentioned above, it’s not likely that copper demand will slow down in 2021.
In the US, new home and home renovation demand spiked since the pandemic started, along with electronics demand. Analysts at CitiBank expect the copper market to shift into a deficit in the second half of the year with a minor surplus overall for 2021, Reuters reported. They also forecast deficits in 2022 and 2023.
The US Census Bureau and the US Department of Housing and Urban Development reported building permits in December increased by 4.5% compared to November and 17.3% above the December 2019 rate. Privately owned housing continued to increase in December, rising by 5.8% from the previous month and by 5.2% compared to December 2019. The uptrend started in September 2020.
China will continue to play an important role in the copper market. The country accounts for about half of global primary consumption, which is then used to manufacture export goods.
According to the aforementioned Reuters report, appliances output also increased in China. Similarly, China’s refrigerators exports went up by 45% in December 2020 compared to December 2019. During the same period, exports of microwave ovens rose by 35%.

Indonesian copper smelter

Indonesian politician Luhut Pandjaitan, said Freeport-McMoRan, $FCX and Tsingshan Holding Group reached a $2.8 billion deal to build a copper smelter in Indonesia’s Weda Bay. The smelter would process copper concentrate from the Grasberg mine. Luhut did not report a timeline, per the report.
“The smelter will produce copper pipes and wires of which output can be worth $10 billion or more,” the minister reportedly told IDX Channel. The smelter will aim to produce copper products to be used in lithium battery components. Indonesia is working to build an electric vehicle supply chain, as it is also a major nickel producer.

ALUMINUM

https://www.thomasnet.com/insights/aluminum-can-sourcing-sees-unprecedented-surge-amid-white-claw-truly-hard-seltzer-craze/
https://www.bloomberg.com/news/articles/2021-01-19/aluminum-buyers-forced-to-pay-up-after-underestimating-recovery - more profits coming.
All told, the outlook for aluminum in 2021 looks better than it did even three months ago. Fourth quarter prices rose about 9% yoy and 12% qoq to $1,914/t, the best prices since the fourth quarter of 2018. What's more, with the global economy recovering, management is calling for roughly 7% demand growth in '21, ahead of supply growth, and a more balance market for the year.
With that, I think there's a good chance for aluminum prices to average out over $2,100/t in 2021 - the best price on an annual basis since 2011 (though just barely above 2008). As always, a great deal rides on China - Chinese producers have a history of being less than responsible when it comes to supply, but Chinese demand is looking more robust and the government has been increasingly stringent with less efficient, more polluting smelters, so the volume risk here may not be as troubling as before.
Then the big news many in the US had been waiting for and potentially an insight to what Biden will do about Section 232 Steel Tariffs;
https://agmetalminer.com/2021/02/08/aluminum-mmi-us-reinstates-tariff-on-aluminum-imported-from-uae/

High aluminum scrap demand

A Midwest-based trader told Construction & Demolition Recycling that demand for aluminum scrap remains high at secondary smelters that supply the automotive industry in the U.S.
Chad Kripke, an executive vice president of Kripke Enterprise, a nonferrous scrap brokerage firm, confirmed that many sellers are relying on the spot market rather than signing contracts for 2021. This signals that it is a seller’s market.
This market environment is due to the reduced flows of scrap, which has caused spreads to tighten. As a result, secondary producers are opting to purchase scrap at what they might view as high prices rather than risking a lack of material.
The Application of the World Aluminum Alloy Sheet Market 2021-2027 as follows:
Building and construction Automobiles and transport Aerospace and defence Industrial and general engineering
This screams recovery play and Infrastructure spending.

NICKEL & ZINC

You really can't mention one without the other, especially when it comes to batteries:
Nickel-zinc (NiZn) chemistries are the primary competitors displacing lead-acid in the marketplace. Both promise smaller footprints and longer operational life than lead-acid batteries. While the tradeoffs of lithium-ion batteries are more well known, given their wide use in other energy storage applications, NiZn technology has specific advantages in terms of reliability, safety, and sustainability over both lead-acid and lithium-ion solutions.
It is abundantly clear that the future of high energy batteries will converge on layered oxides increasingly rich in nickel. ... Early lithium-ion batteries comprised a cathode of lithium cobalt oxide [LiCoO2] and an anode of graphitic carbon. Cobalt can be replaced by other metals such as manganese, nickel, and aluminum.

https://preview.redd.it/5vs07d488eg61.png?width=1214&format=png&auto=webp&s=3e7482bf908e4c8c665cb815fdc257f77c6390b1
With the rising demand for EVs, the need to secure critical nickel supplies is becoming ever more pressing for battery producers and automakers alike.
Fitch currently forecasts global EV sales to rise by 41.9% to reach over 4.3mn units in 2021 with sales expected to breach the 14mn mark by 2030. This accelerated pace of EV sales growth will place strong upward pressure on the price of raw materials used in batteries and will force battery producers to develop more affordable batteries, Fitch asserts, which more often than not means higher nickel content and lower cobalt content.
And the 500 Pound Gorilla - $TSLA
https://www.mining.com/tesla-inv estment-to-position-indonesia-as-ev-battery-production-hub-report/
BTW, do you know who the largest nickel miner in Indonesia is?
$VALE
http://www.vale.com/indonesia/EN/investors/indonesia-investors/company/at-glance/Pages/default.aspx
$VALE + $TSLA = $VALE's moon rocket. . .
As I have said from my first postings in this series on steel, scrap, ore - these metals I have just listed will be the complimentary plays becoming the body of 2021, with steel remaining the backbone.
Some extra knowledge on the most expensive metals as of today and a good stock to capture the increased costs and demand:

Rhodium

Relatively unknown to the layperson, rhodium is quietly one of the hottest trades right now, after a price surge of more than 30% this year. Rhodium previously peaked – and quickly crashed – in 2008 at more than $10,000 per troy ounce (ozt), but the metal is now trading above that 2008 high on the back of a swell in demand from the automotive industry.
Rhodium is used in catalytic converters, a part of vehicle exhaust systems that reduce toxic gas emissions and pollutants. According to S&P Global Platts, almost 80% of demand for rhodium and palladium comes from the global automotive industry. Fortunately for South Africa at least, around 80% of all rhodium is mined within its borders.
Part of the reason for the metal’s price leap is its rarity. Annual rhodium production sits at around 30 tonnes – to place that in context, gold miners annually dig up between 2,500 and 3,000 tonnes of the precious metal. Rhodium also benefitted from the Volkswagen emissions scandal, or Dieselgate, the 2015 emissions scandal that rocked the automotive industry. With major economies including China and India tightening emissions rules, platinum group metals (PGM) miners are anticipating good times ahead for rhodium.

Palladium

Rhodium’s little brother palladium also did well out of the Dieselgate scandal. After sales of diesel vehicles slumped and petrol alternatives came back into fashion, platinum – used primarily in catalytic converters for diesel vehicles – took a tumble, while petrol-friendly palladium rose.
Palladium is the most expensive of the four major precious metals – gold, silver and platinum being the others. It is rarer than platinum, and is used in larger quantities for catalytic converters. In the near-term, the demand for metals used in catalytic converters is expected to be steady, buoyed by growing automotive sales in Asia. However, the increased uptake of battery-electric vehicles – which do not use catalytic converters – could see palladium demand take a hit.

Platinum

The namesake of the platinum-group metals is also the worst-performing on the market, having taken a huge hit from the Volkswagen emissions scandal. Platinum’s primary use has been in catalytic converters for diesel vehicles – 45% of the platinum sold in 2014 went to the automotive industry. As consumers and manufacturers moved away from diesel in the wake of Dieselgate, platinum lost out to palladium, which performs better in petrol vehicles.
Platinum traditionally traded at a higher price than gold and combined with platinum’s rarity compared with gold, “platinum” as an adjective has come to be associated with a higher level of prestige than gold. Despite platinum’s troubles and gold now trading above it, that reputation has stayed.
Platinum deposits are largely concentrated in South Africa, with the country supplying around three-quarters of the world’s demand. Anglo American Platinum, Impala Platinum and Lonmin make up the top global platinum producers.
Which brings me to Sibayne Stillwater - $SBSW, which has also shown a strong reversal over the same time as these other stocks shared above:

https://preview.redd.it/qo083s8ofgg61.png?width=1170&format=png&auto=webp&s=3c54b8a6a79bb8d85fd72eadf13cf2735bf3a8b3
https://www.sibanyestillwater.com/about-us/
Sibanye-Stillwater is a leading international precious metals mining company, with a diverse portfolio of platinum group metal (PGM) operations in the United States and Southern Africa, gold operations and projects in South Africa, and copper, gold and PGM exploration properties in North and South America.
It is the world’s largest primary producer of platinum and rhodium, the second largest primary producer of palladium and a top tier gold producer, ranking third globally, on a gold-equivalent basis, as well as a significant producer of other PGMs and associated minerals such as chrome. SBSW is also the globally leading recycler and processor of spent PGM catalytic converter materials.
https://www.kitco.com/news/2021-02-05/Sibanye-Stillwater-earnings-surge-on-higher-metal-prices-and-solid-performance.html
Sibanye-Stillwater said despite COVID-19 disruptions, its expected earnings increase was underpinned by a solid operational performance, higher metals prices and a weaker rand.
"The production contribution from the Marikana operations for the full 12-month period, following the acquisition of Lonmin in June 2019 and the realisation of significantly higher than forecast synergies, along with a notable return to profitability from the SA gold operations, following the strike in H1 2019, were the main drivers of this operational performance," the company said.
The Minerals Council South Africa recently estimated the country's production was down 10-12% in 2020 due to the pandemic and logistical shortcomings but mining GDP was only down 4% thanks to the rise in commodity prices.
Everything I have laid out on previous DD's regarding steel and metals are all based on recovery demand, global infrastructure investment which will ultimately cost $$$. This money is going to be printed by the US treasury, which will further weaken the $USD and this weakening in the value of the dollar will increase the value of commodities proportionally.

https://preview.redd.it/6jhk8gigjgg61.png?width=1948&format=png&auto=webp&s=4a1084854d8a719bf0f1a70c3f798720f4e3ad9e
Expect the value of the DXY to touch 52 week lows of $89.21 and most likely set lower lows as TRILLIONS more are printed and put into the economy.
https://www.cnbc.com/2021/01/14/powell-sees-no-interest-rate-hikes-on-the-horizon-as-long-as-inflation-stays-low.html
The Fed currently is keeping its benchmark short-term borrowing rate anchored near zero and is buying $120 billion in bonds. At its December meeting, it said those measures would stay in place until substantial progress is made towards the Fed’s inflation and employment goals.
That means the central bank will be more inclined to allow inflation to run higher than the standard 2% target before hiking interest rates.
I believe we will see inflation continue to run on commodities.
https://www.cnbc.com/2021/01/12/feds-esther-george-cautions-that-inflation-could-rise-faster-than-expected.html
Inflation could rise faster than “some might expect” as the economy recovers from the pandemic, Kansas City Fed President Esther George said.
Lastly, oil.
I have said steel will follow oil and usually it is 6 weeks behind moves in oil prices.
https://preview.redd.it/szjhhl88ngg61.png?width=1592&format=png&auto=webp&s=e79b4671a1d719202d6d98a0fdd1e192f93c24e0
After a rocky 12 months, oil prices — which got crushed when Covid-19 slashed demand for energy around the world — are roaring back.
What's happening: Brent crude futures, the global benchmark, have breached $60 per barrel, their highest level since January 2020.The immediate catalyst appeared to be weekend remarks from President Joe Biden that the United States will not lift sanctions on Iran to get the country back to the negotiating table. But oil prices have been on the upswing for months thanks to optimism that coronavirus vaccines will unleash demand while producers avoid flooding the market with supply.
The bonus with $BHP is you get oil and steel in one play.
Again, I am a value investor and I like to find value where others shy away from and commodities are the red-headed step child that I believe will shine in 2021 for all the reasons I have laid out here and in previous DD's.
I am not your personal financial advisor and do your own research.
Good luck!
-Vito

A while ago I promised some of you to write up on silver miners. A lot of things happened since then, including me getting stuck in the hospital for 2 months, but a promise is a promise. Besides, I figured WSB only pays attention to the stocks, which already moved up significantly in the past few days, before falling off the cliff once we, retards, load up on calls. And as you’ve probably seen, silver has moved up ~8% in a few days (miners – 15% and more). So here we go.
This post is designed to give a start to those of you, who know nothing about this field and just want to dip their toes. In no way, shape or form I poses professional knowledge or formal education on mining, this is purely what I’ve learned speculating stocks.
Here you can find my basic write-ups on:
- precious metals ETFs
- gold miners
- jewelry public companies

1. Why invest in silver miners?
I’ll give you 5 reasons:

Silver is a stronger (but riskier) hedge against monetary inflation: if you are right about inflation gold will move, but silver will move more;
Silver has much more industrial usage than gold;
Jewelers have bigger demand for silver than gold;
Silver to gold price ratio is historically low right now and all commodities are undepriced compared to equity futures like S&P.
Silver is future-proof, unlike gold: it is heavily used in solar panels and electronics. Also, 2019 industrial and jewelry demand of silver is very suppressed: only jewelry silver demand is estimated to lose 23% in 2020.

In fact, let’s talk about demand:
As of 2018, total demand was 32 146 tons of physical silver:
https://preview.redd.it/ce1b3cfs2t561.png?width=715&format=png&auto=webp&s=623d38466713f2d66beaa7ed251225dc00556930
Industrial use: 17997 tons (~ 56%);
Jewelry: 6611 tons (~ 21%);
Coins and bars: 5637 tons (~ 18%);
Silverware: 1900 tons (~ 6%).
Among industrial demand electronics contributes 7730 tons, while solar was already 2503 tons in 2018. This will only increase. Yep, you’ve probably thought that majority of silver is used on silver spoons that your grandma used to pick up in Target, while cool futuristic kids use lithium in Tesla’s. Turns out, solar panels already use more silver than all of the silverware combined.
There’s also another reason to play silver miners right now: it was harder hit by Covid lockdowns. Why so? Because majority of silver production is done in Latin America (in fact, out of 6 biggest producing countries – 4 are in Latin America) and Latin countries on average had much tougher lockdowns, compared to leading gold producers like Australia, China, Russia, etc.
2. How silver is mined?
Unlike some other metals, silver is never found on itself. It is always mined in ores that contain either of three large groups of metals: gold, copper, zinc and lead. Ore is then processed and refined to get the end product. Why is this important? Because when you build a model trying to forecast earnings of the company you can not focus on silver prices alone, you have to take every byproduct into consideration.
3. How to determine which mine is a good buy?
3.1. Let’s start by understanding metrics. Your regular EBITDA, EPS or even FCF won’t tell you much about where the miner is going, because
a) they do not determine the price of their product;b) they have no direct control over the longevity of the product source.
That’s why gold miners came out with their unique metrics by which they evaluate each individual mine and then calculate producer’s average. Those metrics are Cash Cost and All-in Sustaining Costs. Those are non-GAAP metrics and I’m not even sure if they are audited.
Cash costs include mine site operating costs such as mining, processing, administration, production taxes and royalties which are not based on sales or taxable income calculations, but are exclusive of amortization, reclamation, capital, development and exploration costs. AISC is, basically, a wider metric introduced later by World Gold Council. It includes every cost of running a mine excluding:• Income tax.• Working capital (except for adjustments to inventory on a sales basis).• All financing charges (including capitalized interest).• Costs related to business combinations, asset acquisitions and asset disposals.• Items needed to normalize earnings, for example impairments on non-current assets and one-time material severance charges.
If you want to learn more about quirks and features of those metrics I urge you to read this paper: https://digitalcommons.mtech.edu/mine_eng9/
So take metal futures prices average during quarter, subtract AISC and here goes your mine profit before taxes and royalty payments.
3.2. Silver miners now also use mostly AISC. And calculating silver production they use Ag Eq metrics, which is average ratio of silver to all other byproducts over the quarter. And when they present profits, they also use Ag Eq sold, which again include silver and all byproducts.
I would argue, that Ag Eq metrics are also misleading for silver miners. Because when a gold miners produce gold all other byproducts are not that numerous and, what’s more important, far, far cheaper, thus their impact is negligible. Silver is a different story. For example, let's take Caylloma mine, 2019. They produced 45.6kk lb of Zinc, 28.7kk lb of Lead and 0.9 kk oz of silver. In today prices this would be 58kk USD / 27kk USD and 23.4kk USD. As you can see, in fact silver's output for this mine is the smallest. I've even came across arguments, that silver should never be considered a main product, only a byproduct.
The problem for you is that you might be watching only silver prices, which, say increase 25% and wonder, why your miner isn’t doing so great, while ignoring that zinc and lead prices dropped and it had a bigger impact on your miner, than rising silver.
What you could use instead is a total cost of tonnes milled. Most miners publish this metric. And then model every metal received separately. In fact, most analysts try to model grades of mines, which is basically amount of useful stuff among all shit excavated. But we’re getting really too deep now.
3.3. Another extremely important thing to remember is a life of a mine. See, it can be very different: some mines can live 20 years, some are ending their life cycle. You open prospects of a miner and you search for the guidance on the next year and you see how much metals they plan to produce. Then you check expected life of their assets. If an asset is nearing it’s end, grades usually get lower, which means less profits. Also, investors put a pressure on a miner to replace dying asset, and if nothing is found in time – stock price tends to trade lower than what it’s cash flows might suggest.
There are also surprise scenarios like extending the life expectancy of a mine, or finding new deposits. But that’s a gamble.
Once a mine is done, it becomes a liability, instead of an asset, because it is put on care and maintenance, which is expensive and lasts years and years. That’s why I prefer junior miners with only few assets: they usually do not baghold liabilities from long-gone projects. And also it’s easier to model them.
3.4. Finally, pay attention to jurisdictions: how stable the local governments are, how corrupt or how focused on ESG standards. Unfortunately, mining is a risky business with bad rep (sometime deserved, sometimes not). That’s why a populist government can always blame miners on some environmental or social damage and close them down or nationalize the mine.
Bonus. Let’s look into my biggest silver position as of today: Fortuna Silver Mine (FSM).
Reasoning:

Relatively stable jurisdictions of Mexico, Peru and Argentina;
Heavy Covid lockdowns, so I could pick it up rather cheap;
Peru and Mexico mines have at least 5 years of life;
They have gold mine under construction in Argentina. It is expected to have 15 years of life and to produce 150k oz of gold per year at AISC 800 USD/oz. This is not yet properly priced in, because FSM is trading following mainly silver and silver miners ETFs. This is also in part because the project has been delayed several times. But they’ve already mined first 15k oz this year, so I have little doubt that they will achieve meaningful production next year.
Relatively low cost of production;
CEO is third generation miner and Peru national;
They have increased their debt to finance Argentina project, but the net debt is not that big compared to Free Cash Flow;
Sprott fund is heavily into this stock and so is Adrian Day (he has his own fund and also manages Peter Schiff’s funds while Peter sticks to ranting about the Fed on his radio).

I have a price target of 8.66 for FSM, with a rather conservative metal prices estimate.
Let’s sum it all up.
Why invest in a silver miner?
Because silver moves more than gold, because it has much more industrial and practical use and it has future upside.
How do you find good silver miners?
You pick stable jurisdictions, you look into byproducts and estimate if those also fit your outlook and price expectancy and, finally, you check the life expectancy of the mines. Of course, do not forget to look into the books and check the debt ratios.
To be fair, I’ll also list considerations why NOT to invest in a silver miner:

company has almost no control over the price of the product;
high political and social risks;
uncertainty of the company’s future once it’s mines reach their end: there’ no guarantee that the management will be able to find an asset of an equal quality, thus rarely miners are ‘buy and hold forever’;
no goodwill, brand value or any kind of a moat;
mining industry has a bad rep and is often operating in remote areas, thus it’s very limited in it’s access to good labour;
basically, no meaningful dividend.

Hope this helps someone to make an educated decision or to carry a deeper research. If any of you have questions or would like to discuss commodities – I’ll be glad. Also, I might do a write up on commodities that will be used in future green tech (EVs, solar, etc), since there’s so much more than just lithium. But we’ll see, ain’t promising anything this time ;)

There’s a lot of privilege baked into what I lay out in this Money Diary through my education and upbringing. I still feel like a novice concerning personal finance but I know I am doing (probably more than) alright. The biggest thing that money does for me is give me peace of mind, and I am very grateful for that.
Section One: Assets and Debt

Retirement balance: $1,157 in TIAA 403(b), $2,726 in Vanguard 403(b), and $6,090 in my Roth IRA

I started full-time employment in November 2019, so this represents about a year of savings. The Roth IRA was funded in one go when I started getting serious about knowing where my money is and what it’s doing this summer. I have two 403(b)s because I switched brokerages from TIAA to Vanguard; I can’t combine them until I leave this position. My initial contribution was a flat 3%, then I bumped it up to 6%, and more recently, I’ve been contributing $1200 a paycheck, which I will continue through the end of the year, when I’ll readjust down to $800 or so. Our match was paused this summer before I was eligible for it, and it remains paused until Summer 2021.

Brokerage account: $11,243

I have a taxable brokerage account separate from my retirement accounts where I am saving for a down payment on a house. I seeded it with $3k of my own savings and transferred all the assets from a matured UTMA account from my great-uncle (which was being actively managed by my parents’ financial planner until I took control of it this summer). The UTMA was part of how I paid for college, and the remaining $7,000 or so has been rolled into this account. I went back and forth between a HYSA and brokerage for this pot of money, and ultimately decided to keep the money invested in a Target Date Fund (2025) because I don’t plan to purchase a house for another ten years or so (the utility of this is the Target Date Fund automatically creates a glide path of investment allocation). I am still working on selling off the funds the financial planner had me invested in as they mature to a year cost-basis to reinvest in the Target Date Fund.

Savings account balance: $4,275 in my general savings account, $5,998 in a separate account holding for my 2021 Roth IRA, and $6,021 in an HYSA

I have a catch-all savings account, a temporary savings account for my 2021 Roth IRA (I know I ought to just invest it now, but this is a psychological choice for me, down to leaving a buffer for the interest it’ll earn before I invest it), and then a HYSA for my emergency fund and savings for a car (maybe? I’ve been courting the idea of my next job being at a university that is not in a city with great public transit, so this is contingent on that, I don’t really want the responsibility of a car). Because I am shoveling money into my retirement accounts right now, I’m not making contributions to my HYSA, but they will pick up again in January.

Checking account balance: $1,249

I used to keep my checking account at $1k plus my rent, and then siphon off money to my catch-all savings account whenever I got paid. But since I’ve been tracking my money a little better, I move my monthly budget of $1300 into my checking account at the beginning of the month, and then all paychecks immediately get transferred to my catch-all savings.

Health Savings Account: $686

My health insurance plan makes me eligible for an HSA and I get up to a $750 match every year as a single contributor. Right now I deposit $31.25 each paycheck and my employer matches the entire amount. I’ve already used some of the funds I saved earlier this year.

Credit card debt: -$83

I pay this off every month and always have. This represents the groceries I bought in this diary, groceries two weeks ago, and ordering dinner for my boyfriend and myself earlier in the month.

Paypal: $0

This is almost always at a zero balance. I use it to accept rewards from the occasional survey, pay for certain things online, and settle up utility and rent payments with my roommates. It is connected to my credit card and my checking account.

Student loan debt: $0

I graduated with a BA in Education Studies and Cognitive Science in May 2019. While I graduated with loans totalling about $16,000, I had the savings on hand to pay them off because I basically didn’t spend money in college and worked every semester but one, plus every summer. I waited until I had secured full-time employment before paying it off before they left deferment; the loans were federal with two different servicers.
Besides loans, I received need-based aid from my school, I applied for and won outside scholarships, withdrew funds from my UTMA account, and my parents paid some out-of-pocket as well.
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Was there an expectation that you would pursue higher education? Yes, I am a third-generation college graduate (both my parents, and all of my grandparents, attended college, and some of them have professional and graduate degrees). I always assumed I would go to a state school to save on college costs, but my parents gave me the go-ahead to look beyond that because they understood I would earn scholarships and our family would be eligible for aid. I ended up at an Ivy League school, which I never thought was in my future before my senior year of high school.
Growing up, what kind of conversations did you have about money? Did your parents educate you about finances? We had sporadic conversations that were decidedly educational - I remember my parents getting my siblings and me lockboxes and ledger books instead of piggy banks, taking us to the credit union to open accounts, and hearing kernels of advice. Mostly, I learned by following their habits - how to shop for groceries, how to shop for clothes, how to choose a place to rent, etc. Up until recently, my parents’ financial advisor was also my advisor, and I checked in with him when I had something big going on, like paying for college and choosing benefits at my first professional job.
What was your first job and why did you get it? My first W-2 job was as an RA in college. We were paid with a stipend, but room and board were not covered. I got it because my mom had been an RA in college, and I thought I would be a natural at it being the eldest child of six. Prior to that, I babysat, participated in research studies, and flipped furniture and textbooks, but in high school my parents didn’t want me to have a job so I could focus on school.
Did you worry about money growing up? I understood that money needed to be conserved from my parents’ habits, but I didn’t worry about my personal money or our family’s financial situation. I have been a saver since I was a kid, so it never really occurred to me to spend my birthday money, for instance. In retrospect, I can point to particular times of financial anxiety from my parents (when selling a house, during the Great Recession, when I had to eat school lunch since it was free), but I wasn’t paying so close attention at the time.
At what age did you become financially responsible for yourself and do you have a financial safety net? I was 22 when I finally moved out of my parents’ house for my first full-time position, after graduating from college, working a seasonal job for the summer, and then moving back home. That was the age when I first started paying rent and bills. As far as a safety net, I have an emergency fund and my investments; I also have my nuclear family, a large extended family who I could crash with, some friends in various cities, and untapped education benefits from the government.
Do you or have you ever received passive or inherited income? All the passive income from my investments is getting reinvested - it doesn’t amount to much right now. I inherited the money in my old UTMA account mentioned before. My parents each have a will, but I’ve not been told any specifics. All my grandparents are still alive and I don’t know the status of their estates. Because I have many siblings and cousins, and I am “on my feet” compared to them by virtue of being older, I have low expectations of any future inheritance, and I anticipate some of it will be messier than it is worth.
Section Two: Income
Income Progression: I've been working in my field for 1 year next month. My starting salary was $46,000 and we did not get a COL raise this year due to the pandemic. Although the job was listed with a salary and I have full benefits, I am actually paid hourly, so if I work after-hours, I get paid overtime.
In college, I worked six semesters as an RA (paid on a stipend), one semester as a college prep tutor manager for a non-profit (also a stipend), one summer as a summer camp counselor (paid hourly, but they rationed who could take overtime), and 3 summers as an RA for a pre-college program (paid hourly with generous overtime, also got room and board). Since these were all paid jobs, I consider them relevant work experience for my career in higher education.
Main Job Monthly Take Home: $648
As you can see in the table below, I am currently contributing a high pre-tax amount toward retirement. When I assessed my financial situation earlier this year, I decided I was too cash-heavy and wanted to be more invested, so I increased my contribution and it automatically invests with my paycheck. This is temporary, since I supplement my income with my savings to support my expenses right now, and will end after December. I took these numbers from my paystub and multiplied, so they may not quite add up.

	Amount
Gross pay	$3,537.60
HSA contribution	-$62.50
Health insurance	-$27.20
Voluntary contribution	-$2,400
Taxes	-$386.80
Long term disability	-$12.46
Net pay	$648.62

Side Gig Monthly Take Home: $0
I’ve been looking into reading applications as a part-time job at another school, but haven’t bit the bullet on that one yet. I got $10 from filling out a survey last month, but that’s it for money outside of my job.
Other Monthly Income: $0
Most of the financial out-patient care I received from my parents has pretty much ended. They used to pitch in for the gap between my scholarships and tuition in college, and they would pay for my air travel to and from college, but now I pay for my own travel. The only thing that remains is that I am on their phone plan and use their Netflix and Disney+. We recently had a conversation about this, and I’ll be paying them $20 a month for all this going forward (I know that my line only costs $10, so I’m not getting a parental discount).
Section Three: Expenses
Rent: $875/month - I have the smallest room in my apartment, which is a 3 bed, 1 bath I share with two other women. When I went into the office, I was able to walk to work.
Renters insurance: $140.60/year - Through USAA. I paid through December 2021 and will end this policy then, since I’ll be covered under my parents’ policy when I move home (we checked, I was prepared to continue this coverage).
Car insurance: $19.57/month - Through USAA. This is a non-owners policy, since I don’t have a car but wanted to maintain coverage.
Electric: varies from $25 to $50 a month - I pay one of my roommates for my portion.
Wifi: $28/month - I pay one of my roommates for my portion.
Cellphone plus Subscriptions (Netflix and Disney+): $20/month - Paid to my parents.
Groceries: $100-$150/month - I prefer to shop at Aldi, but with the pandemic, I sometimes do my weekly shop at the Giant that is much closer. This includes hygiene and cleaning products.
Eating out: $60-$80/month - I don’t much like eating out at restaurants. Right now this is basically a take-out budget; if I wasn’t dating, this would be more like $30/month, but I like the opportunity to try new food/have something to look forward to/be lazy with my boyfriend.
Clothing, misc.: I might thrift clothes or buy undergarments or shoes new once a month, if that. I don’t keep a hard budget for this type of category, but I have a mental ceiling of $1300 for all outgoing cash flow each month. I haven’t gone over (except for paying off my loans from savings) since moving out on my own. Although the accounting is a little wonky right now, this method allowed for an average savings rate just under 50% of my take-home pay before I messed around with my retirement contributions. It will be neat to figure out my overall savings rate at the end of the year, and I project it to be 60%.
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I’ve been dating my boyfriend for ten months and we’re pretty easy-going about money between us. We’re both pretty frugal and don’t normally split bills; he’ll pay for one thing, I’ll pay for the next. If there’s something one of us wants to do and bring the other along, the originator of the idea will cover the cost. Early on I asked if he wanted me to keep a spreadsheet or use an app to split costs, but our method hasn’t caused any problems.
I did live with him (he lives alone) for about five months from the beginning of the pandemic - during that time I still had to pay rent and utilities at my apartment, so my financial contribution at his place was getting groceries for us both every other week (where he would go on the alternating weeks). Since moving out, I see him for dinner on Wednesdays and then the weekends; I’ll cook or order in on Wednesdays, and always try to contribute to the weekend by baking or bringing takeout with me.

Day 1, Thursday, October 8, 2020

7:29am: I’m up a minute before my alarm like the cosmos has something to tell me. My arms are sore from carrying bags of clothing from a women’s clothing round-robin I picked up two days ago. Back to sleep.
8:19am: And we’re awake again. My ‘alarm’ is two hours of NPR so I hear snippets of the VP debate last night. I raise the blinds to my window (I’ve been trying to look outside before I look at a screen lately). Grab my phone and browse reddit, text my boyfriend good morning.
9:06am: Whoops, better make breakfast before starting work. Two slices of sprouted bread in the toaster oven, topped with peanut butter and strawberry jam, alongside two mandarin oranges and my multivitamin. That was the last of my bread, so I update my pantry spreadsheet.
9:15am: Open my work email, nothing pressing for now. No meetings on my schedule either. I open up our application portal and start reading applications - it takes me about half an hour to check today’s batch for completeness.
10:03am: Break to read some news and check my local Buy-Nothing group (where the round-robin originated). See an article about mail-in ballot tracking which reminds me to check on mine, which I mailed on Sunday. It arrived yesterday, and I text my family group chat to celebrate. I can hear my roommates are both awake watching some sort of Halloween baking show.
10:46am: Return to working. Reading more applications, then email. First I address anything brand new, then I systematically attack my 75 email backlog by searching for certain keywords and senders that are more urgent.
11:07am: Take my dishes to the kitchen and refill my water glass.
11:32am: I switch gears with emails. My admissions pet peeve: when applicants misspell my name.
12:02pm: We’re at 63 emails now. I get dressed and make my bed.
12:22pm: Lunch is ravioli with marinara sauce and white beans, carrot sticks, and a slice of fresh mozzarella cut into slices. Work has an optional lunch on Zoom on Thursdays - I log in and no one is there so I end up calling one of my sisters instead.
1:00pm: Still talking with my sister but my on-call shift for work has begun (prospective students can call our office with questions), so I log in in the background.
1:53pm: Wow, we really had a lot to catch up on. School for her, work for me. Back to work.
3:00pm: And my phone shift is over - no calls today. It seems that people have generally forgotten about calling during the several months we didn’t have an active phone line when we started teleworking. I’ve been redditting and doing work brainstorming through this all.
3:27pm: Back to applications. Typically I only do them once a day, but I like the structured checking-off, so I tackle the few that are in my box. What can I say, I love giving the stamp of a complete application so it can go on to further review (I don’t provide an opinion for the admissions decision) - maybe we’ll admit them... it all starts here!
4:43pm: Stumbled upon an application from someone I know - always a nice surprise.
5:24pm: Glance at the clock since my working has transitioned to not really working. Down to 56 emails. I go down a rabbit-hole researching one of today’s recommenders - sometimes they are really interesting people!
5:48pm: Heat up dinner - roasted turkey breast and brussels sprouts I have in the fridge. I compare dinners with my boyfriend over text and settle into some dinner YouTube and two more mandarin oranges.
7:09pm: I’m cooing over the panda update at the National Zoo and decide to bake some biscuits. Went a little overboard on my normal Greek yogurt plus Bisquick recipe, adding some vanilla oat milk and pumpkin pie spice for a dessert feel. They are fragrant and tender.
7:32pm: I clean up the kitchen and start the dishwasher.
9:38pm: I run a small bath and use my double-edge safety razor for the first time on my legs. Only three nicks, none of them major, so I feel pretty accomplished.
10:28pm: Chit-chat with my roommates after unloading the dishwasher.
12:15pm: Get ready for bed. I don’t fall asleep until later but my sleep habits are a topic for another time.

Day 2, Friday, October 9, 2020

8:09am: Wake up, open the blinds, and check the weather. Pulled my bed together, turned off the radio, and stuck my finger in my pilea plant. In the kitchen, I pop the last of a berry cobbler in the microwave for breakfast and fill a dish with water to place the pilea in.
8:27am: I open up my work email to see what’s new. Inbox at 64. Most of the emails are applicants wanting to know the status of their application and prospective students wanting to schedule appointments, which I decline.
9:02: I pull the pilea out of the water. Emails are down to 57. Take my breakfast dish and the excess water to the kitchen.
9:05am: Time to file applications. I turn on Spotify for some background noise.
9:42am: Done, so I check in on reddit, then get dressed and get back to work.
11:04am: Pause working to start some pizza dough for calzones to take hiking this weekend. I get distracted by a text from one of my roommates that she doesn’t feel well. She explains the precautions she’s taking. At least kneading is therapeutic.
Noonish: Catching up on personal email as the dough rises.
1:30ish: Calzones are now doing their second rise assembled. Lunch is spaetzle with roasted turkey, white beans, mozzarella, and marinara sauce.
2pm: I message the next person in my clothing round robin since I’ve made my choices of what to keep and what to give away. She can pick up tonight so I tidy the bags. Calzones go in the oven.
2:30pm: Calzones out of the oven to cool.
3:03pm: Remember it’s payday; move my whole paycheck into savings ($373.68, a little higher than normal because I worked overtime last week).
4pm: I have some raisins as a snack, filling a dish with water for my succulent to soak in. I start typing up my Money Diary and enter my hours for work.
4:40pm: I move the clothes down to the curb and keep watch over them, since I’ve had items I’ve set out for people taken before. It’s an easy misunderstanding, so I don’t get mad about it, but it’s disappointing for the person who the items are intended for, so now I watch. She arrives and I help her load her car. Thank goodness that is done; it really was a ton of clothes.
5:02pm: The calzones have cooled so I pack them into the bread bag from the loaf I finished yesterday. I sit back down to close my tabs from the day on my computer. Email is at 58. Time to pack for the weekend!
5:29pm: I write up a cutesy to-do list for the weekend of activities for the weekend. It includes catching up on shows we watch together and things to do on our hike.
6:05pm: I leave my apartment and hop on the metro (my card is still loaded from February, this is only my second time on the metro since then). My boyfriend has me meet him by a Chinese restaurant, where he picks up our order. He pays; the bill is $21.18.
7pm: We walk back to his place. Wash our hands, eat dinner on the couch. We catch up on our days and he puts a CD in the stereo.
9:30pm: We snuggle up with a blanket to watch this week’s Great British Bake Off. In the middle we snack on some challah and lox.
10:30pm: By the end of the episode, I’m practically nodding off, so we head to bed.

Day 3, Saturday, October 10, 2020

7:18am: I wake up and quietly slip out of bed. Get a drink of water and plug in my phone since I neglected that last night. Crawl back into bed since it is too early for a weekend.
8:50am: We’re both awake now, so we muster ourselves out of bed. He makes coffee for himself and then brings it and some more challah and lox to the couch for breakfast.
10:40am or so: We’re dressed, bags packed, water bottles filled, and out the door.
11:30am or so: Car is parked. The drive only took about 35 minutes but the first parking area was full, so it was slow-going to find the other parking area. We hike in bursts on the trail, stopping to spy on birds with binoculars, split a calzone, munch on carrot sticks, or climb down to the river bank to sit and enjoy the outdoors. The ‘destination’ of this hike is a waterfall area, but it is more crowded than the trail so we don’t linger for very long.
4:30pm: Back at the car to drive home.
5:20pm: Home! We change clothes and settle in on the couch.
5:40pm: One of my favorite series in sheltering at home, Secrets of the Zoo, has delivered a new spinoff at the Taronga Zoo in Australia. We’ve watched all the original seasons already, so we dig into this new one together.
6:15pm: My boyfriend makes dinner - pasta with pesto and ricotta cheese.
7:15pm: Switching gears to set up the projector so we can watch Botched on the big screen. We’re finishing up the most recent season. Ice cream ensues.
11:20pm: Finishing an episode just in time to catch SNL. Sometimes we don’t stay up late enough, but tonight we triumph!
1:15am: SNL is over, we’ve brushed our teeth, and we crawl into bed.

Day 4, Sunday, October 11, 2020

9:50am: We’ve both been awake on-and-off, and so concur that it is time to start the day.
10:15am: I turn on more of Secrets of the Zoo on the projector. My boyfriend brings over challah and lox to munch on, and I check off items from our weekend list.
11:40am: Two episodes later, and it’s about time for me to pack up and leave. I get dressed and gather my belongings, and we say goodbye until Wednesday.
12:28pm: I arrive home from my walk, wash up, rotate my pilea plant, and catch up writing Money Diary entries, news from the weekend, and some miscellaneous reddit.
2pm: Pour out some applesauce and sit down to write out my meal plan and grocery list and eyeball the cost of my list. Planning to spend about $30 for my groceries for the week.
2:50pm: Copy my list on paper from my pantry spreadsheet. Check the weather and suit up for rain, pack my backpack, and we’re off to the grocery store!
4:04pm: I arrive at Aldi. It drizzled the whole walk here, but I like the chance to stretch my legs. Bonus from the rain: Very few people are out walking.
4:35pm: Done shopping; I could spend forever at Aldi. I get in line to check out. As I’m waiting, I do mental math and guess I spent $28 for a dozen eggs, a bulk container of whole milk plain greek yogurt, baby bella mushrooms, a dark chocolate bar, a loaf of sprouted bread, a large can of crushed tomatoes, a bag of gala apples, two acorn squash, about 2.5 lbs of red grapes, a package of salted butter, pumpkin chocolate chip cookies, and two packages of fresh pumpkin ravioli. The final bill is $27.77, so I was a great estimator today!
4:48pm: I depart Aldi and walk back home. The last ten minutes of my walk, the rain starts to pick up.
5:45pm: Made it home, a little damp. I wash up and put away the food. I pull out two pumpkin cookies and smear some peanut butter on them for a snack.
5:55pm: I sit down to read over some supplemental essays for college applications for one of my sisters. Normally I leave comments or edit as I go, but I think she’s hit the right voice today so I just text her that I don’t have any edits.
7pm: Head to the kitchen to roast the acorn squash for this week’s lunches and make dinner for tonight - eggs on top of toast, with olives and pickled onions, alongside some grapes, and a small turkey and mozzarella quesadilla.
8pm: I put my dinner dishes away and pull the squash out of the oven. I settle in to internet browsing and a few squares of dark chocolate for the evening, realizing and then coming to peace with the fact that I am now a Money Diaries cliche.
10:55pm: Showering, getting into pajamas, and tidying up my room. The cooled acorn squash goes into the fridge.
Midnight or so: in bed after some YouTube and writing the intro to this Money Diary.
Total Spend: $27.77

Day 5, Monday, October 12, 2020

7:35am: I wake up to the radio and open the window. It is grey outside and looks like it’ll be cloudy and rainy all day. I get out of bed, straighten the duvet and pillows, and head to the bathroom. Back in my room, I read the news, check reddit, and text my boyfriend good morning.
8:25am: Check my work email. We’re back up to 62. I knock out the easy ones that came in over the weekend (down to 59) and then go make breakfast (two fried eggs with baby bella mushrooms on toast topped with pickled onions and everything bagel seasoning, red grapes, my multivitamin and water).
8:55am: Sit down on the couch in the living room to start the work day by reading applications. Mondays typically have a larger stack to work through because people work on and submit applications more frequently on the weekends. I turn on Spotify tuned to my Daily Drive with news and music very quietly, since I haven’t seen either of my roommates yet this morning.
10am: I head back to my desk in my room so I can log in for a phone shift. Still reading applications.
12:05pm: Realize my phone shift is over, so I log out of that system. I answered one call early on and it was radio silence from there. I am still reading applications, but the end is in sight.
12:30pm: Done reading applications. Time to prepare lunch. I reheat half an acorn squash on the broil function of the toaster oven, and microwave some white beans and tomato sauce I had in the fridge, and top it all with feta cheese. To be honest, I had wanted to get spaghetti squash at the grocery yesterday, but this is so good with acorn squash as the centerpiece.
1:28pm: I sit down with some chocolate and see what is up next for the work day. Blessedly, there are no new emails, so I reference a to-do list I have on a scrap of paper from last week. I decide to rewrite the list with steps broken down before attacking it.
3pm: I break for a pumpkin cookie with peanut butter and to refill my water.
5:15pm: I log out of work and fiddle around with pizza dough recipes before heading to the kitchen to straighten up and make the dough.
5:45pm: Leave the dough to rise in the kitchen. One of my roommates is heating up a frozen lasagna in the oven, so my dough should be happy. I caramelize some onions and throw some sliced mushrooms in with them to top the pizza with when the dough is ready.
7:15pm: I can’t wait any longer, so I deflate the dough and split it into two. I shape and top one pizza and place the other half in the fridge for tomorrow’s dinner. Pizza in the oven.
7:40pm: Dinner, followed by dinner YouTube (mostly vintage SNL), followed by a pumpkin cookie and a wandering path to bed, eventually.

Day 6, Tuesday, October 13, 2020

8am: I’m awake, peek outside, and then snuggle back into bed with my phone.
8:30am: Out of bed to make breakfast - two slices of sprouted toast, two scrambled eggs with some of the caramelized onions and mushrooms from last night and mozzarella stirred in, applesauce, and my multivitamin.
8:50am: I sit down at my desk to start the workday. Email is at 61, but I anticipate I’ll get a bunch forwarded to me within the hour. I start reading applications.
9:45am: Quick break to put away dishes and then back to applications.
10:30am: End is in sight with my applications, but I have to pause for our weekly staff meeting. These used to take a whole hour, but now we can get them down to a neat 20-30 minutes. People share anything relevant to the whole office, and oftentimes share something personal like what they did over the weekend, how their pet/child/plant is doing, or show a show-and-tell item.
1pm: I got a bit distracted after the end of the meeting, but I sit down to lunch (same as yesterday, acorn squash with marinara sauce, white beans, and feta, and an apple) and try to get some things done.
4pm: With all of our recruiting being done virtually, I get to attend and answer questions during info sessions and webinars that my office hosts. Today I’ve been tapped to support one of our Directors, answering questions in that Zoom chat while she coordinates the live interaction. I’m still on camera and end up answering questions with her too, and am exhausted after the whole ordeal.
5:25pm: I call it quits with work. We’re up over 70 emails again.
6:45pm: One of my roommates texts that she’s thinking she might travel for a funeral this weekend. I honestly don’t have the tools in my toolbox to handle this right now, and so I don’t. Dinner is pizza like yesterday, with the dough I left in the fridge. It’s a better-developed crust and I’m very pleased with it. I munched on an apple while it was baking.
10:15pm: I bake some brownies and pour sprinkles on top. They’re done in about 45 minutes and I slice them to cool, then enjoy two.
2am or so: I get anxious about work, so I answer some emails and set them to send in the morning. Down to 63. Then off to bed.

Day 7, Wednesday, October 14, 2020

I neglected to log this day as it happened since it ended up being a mental health day for me. I was up and about in the morning, finished applications, and then felt ill enough to call out of work. Luckily I was able to coordinate with my supervisor, so I was able to break, nap, and take care of myself. I also picked up a new office chair from my Buy Nothing group in the evening, and had my boyfriend over for dinner on the balcony. Breakfast was oatmeal that I made in the instant pot with peanut butter, raisins, and honey. Lunch was eggs with caramelized onions and mushrooms and mozzarella cheese on sprouted toast with grapes. And dinner was pumpkin ravioli in a butter garlic sauce with kale, and focaccia that I made.
Total Expenses:
Food + Drink: $27.77
Fun / Entertainment: $0
Home + Health: $0
Clothes + Beauty: $0
Transport: $0
Other: $0
Lastly, reflect on your diary!
This was a pretty normal week for me. I always get groceries once a week, and we’re solidly in the middle of the month, so I didn’t have rent or utilities to pay. As reflected in my expenses section, I don’t have too many wants and try to limit my financial obligations. This diary does showcase my participation in my Buy Nothing group, and I have gifted items in the past and will do so again before I move.
In the future, I know I will need to build out a more robust budget to allow for things I like to do that are generally on pause now, like seeing plays and musicals, going to aquariums and zoos, and traveling to see friends and family. The habits I have now will enable me to enjoy those activities in the future without worrying about the cost. I’m currently working on projecting my larger future expenses, like new contacts and glasses, some professional certifications, moving, and even grander some-days like going to graduate school, self-funding maternity leave, and financially incentivising retirement saving for my siblings.

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It’s Hofftastic! Following in the footsteps of Wildz and Caxino, Wheelz Casino is the third brand launched by award-winning Rootz Ltd within a short 2 years. Oh, and the Hoff is on board… a special surprise to see the Knight Rider star becoming an ambassador for Wheelz Casino. Expect to find everything a modern online casino should offer its players – thousands of slots and table games plus dozens of live dealer games from top providers, generous rewards from the Wheel of Spinz, even more rewards from Hoff’s Extra Wheel, regular Multiplier Tournaments with big prize pools, 24/7 live chat support, fast payments and much more.
Launched on 13th January 2021, Wheelz Casino is owned and operated by newly minted MIGEA award winner Rootz Limited on their proprietary platform under a license from the MGA Malta. Currently, they do not accept players from Australia, the United Kingdom or Sweden.
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Our First Experience

The relatively short journey of Rootz Ltd has been nothing short of spectacular, especially when considering the highly competitive nature of the iGaming world. It took the team less than three years to build their own gaming platform, win coveted awards, and in between launch their first two online casinos – Wildz and Caxino, earning along the way a stellar reputation for fairness, lag-free games, professional support, and prompt, reliable payments. With Wheelz Casino they are adding the third brand to their portfolio with a mission to not only meet but exceed the expectations of players from around the world including me on my first tour to see what’s on offer.
The first thing that jumps out when loading Wheelz Casino is their cheerful ambassador. David Hasselhoff, better known as The Hoff and one of the biggest showbiz stars on the planet has agreed to become the ‘Face of Wheelz’, adding another layer of entertainment and rewards to the casino experience. All packaged into a bright and sleek gaming site that is operated on their proprietary platform known for speed and state-of-the-art technology, delivering a seamless online casino visit on any desktop, tablet and mobile device.
Wheelz Casino proclaims that registration can be completed in under a minute. I can confirm that I did in just under 2 minutes at a leisurely speed. Off to a good start. There is no need to instantly upload your KYC documents for account verification as the payments team will request them at some point when you reach a certain threshold in transactions. However, if you want to get it done immediately, then swing by the friendly live chat and ask to have the upload facility activated. You can then complete the KYC check right at the start.
New arrivals at Wheelz Casino will be off to a “hofftastic” start thanks to generous welcome package that is tailored to their country of residence. It can contain no-deposit spins, deposit bonuses, bonus spins or a combination of the three. Please note that the no-deposit spins might not be available in all countries and wagering requirements with bet limits, game weighting and restrictions apply to all bonuses according to the Wheelz Casino bonus terms and conditions. Make sure to read them in full to avoid breaking the rules. And don’t worry, they are not overly long and pretty clear. A big positive is that Wheelz is keeping cash and bonus balances separate, hence, if you hit a big win with a cash bet you can simply forfeit the bonus and withdraw your winnings.
Hit the orange button whenever you feel ready to make your first deposit and choose from an extensive list of payment methods such as bank transfer, debit/credit cards, e-wallets like MuchBetter, Skrill, or Ecopayz, prepaid cards, instant banking options including Klarna and Trustly as well as pay by mobile solutions such as Zimpler and Siru. Not all are available in every country. As for the reverse, looking at withdrawals times of the two sister site, they do pay fast and that 7/365 including weekends and public holidays, usually in 0-8 hours to e-wallets. Bank and card transfers are processed daily.
The casino lobby is filled with well over 1,000 slots and table games from some of the best providers including NetEnt, Play’n GO, Quickspin, Push Gaming, Big Time Gaming, NoLimit City, Red Tiger Gaming, Yggdrasil, Swintt, and more. You can use at any time the intuitive search function that allows you to look for a specific game or a provider. The Live Casino tables are powered by Evolution Gaming and Ezugi.
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The Wheel of Spinz

Wheelz Casino is on a mission to offer an unprecedented level of gamification that separates itself from other loyalty programs by personalizing the rewards. The structure is divided into three parts – Wheelz of Spinz, Hoff’s Extra Wheel and Wheelz Loyalty, each directly reflecting the level of activity and wagering at the casino.
The backbone of the program is the Wheelz of Spinz, a level-type reward. Completing the progress bar will level you up and award one spin on the wheel which is filled with free spin prizes on games you play most in the casino and at a value that reflects your average bet size. Special supercharged spins will be triggered for every six levels, doubling the rewards on the wheel.
The second part is Hoff’s Extra Wheel which can pop-up randomly at any time you are logged in and play games. You will get one spin on the wheel that includes prizes such as Cashback Rewards, Free Spins, Double or Triple Speed, 99% Boost on the Progress Bar and merchandise. A supercharged version of the will be awarded after every four standard Extra Wheels which again has double the usual prizes.
The final part is reserved for most loyal players. Those qualifying will be invited to join the Wheelz Loyalty program which offers up to 20% cashback with no wagering requirements and a dedicated account manager. Plus, all rewards from the wheels, as well as the cashback, completely wager- free, no ifs and no buts. The criteria that would trigger an invitation are not published but we recommend that players who are VIP customers at other casino brands to contact support to potentially have an expedited admission to the program.
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Support and Responsible Gambling

Should you have any queries or problems, rest easy as Live Chat is available 24/7/365 including weekends and public holidays. Multi-lingual support agents are ready to assist you at any time in the best way possible. Of course, you can also contact them via Email. For your convenience, you can load the site in English, Finnish, French, German, Japanese or Norwegian languages.
Wheelz Casino is committed to delivering a fun gaming experience while offering all tools for Responsible Gambling that will allow its players to stay in control of their spending on the site. A range of limits for deposits, session time, and losses can be self-set or cool-off periods and self-exclusions activated. We strongly recommend making use of the provided options.

The Verdict

Just going by our experience with the two sisters' sites Wildz and Caxino, we expect Wheelz Casino to provide a stellar online game experience. It surely has all ingredients to perform at the top level. Game choice, lightning=fast payments, 25/7 support, personalized rewards, all under the auspices of an MGA license should please any player looking for an exhilarating gaming hangout.
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GSlot Casino Review & Promotions
Create your account at GSlot Casino as a new player and enjoy 200 free spins on Book of Dead! Next, get 100% up to 200 EUUSD on your first deposit. This exclusive welcome bonus is time limited! Hurry Up!!!
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Main Information

Gslot Casino was established in 2020 by N1 Interactive Limited. Powered by SoftSwiss, is is easy to navigate and offers a strong slot game selection of more than 5,000 titles, from big names such as Yggdrasil, Microgaming, and NetEnt.
Jackpot games and table games, such as multiple versions of roulette and blackjack are also offered and there is a good selection of live dealer games.
Gslot complies with Maltese and European laws and is a safe and secure website. Players can also set up a two-factor authentication (2FA) for extra security if they so choose.
There’s 24-hour customer support, and a VIP club with ten levels, where players are rewarded for playing time based on the amount but also the consistency of their deposits.

Bonuses

The Gslot welcome offer is a three-part deposit bonus available to new customers when they join Gslot, which is broken down as follows:
First deposit – minimum 20 EUR, use bonus code G100 to receive 100% match bonus up to 100 EUR + 100 free spins Second deposit - minimum 20 EUR, use bonus code G50 to receive 50% match bonus up to 100 EUR + 50 free spins Third deposit - minimum 25 EUR, use bonus code GS to receive 25 free spins on Ancient Egypt, with 25 more free spins for Ancient Egypt to be awarded on the next Egyptian Fortune day
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Mobile Version

As a new online casino, Gslot has been created to be mobile responsive and doesn’t lose anything when you switch to the mobile version, displaying perfectly.
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Conclusion

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Winners Magic Casino Gratis Spins and Free Bonus
As soon as you create your account with Winners Magic Casino, you will get free spins and free money bonus. Enjoy 100 gratis spins on Starburst or Gemix plus 100% up to 200 EUR or USD. All new players welcome. No download needed! You can also play on mobile!
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CASINO REVIEW

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The Sorting Hat has changed his occupation from determining which Hogwarts student fits into which Hogwarts house, to determining who will win the big jackpot at this fantastic new online casino. Winner’s Magic is a brand-new online casino which first saw the light of day in May 2019. The online casino is owned by VitaMediaLabs ApS and operated by the well-known White-label-provider Aspire Global.
The website is available in an array of languages ranging from English to German, and also including Norwegian and Finnish. The availability of the casino in different languages means that more people can access the website in their native tongue making it more attractive to players from different corners of the world. Despite the internet reaching everywhere and the casino’s hard work to make it available in several different tongues, Winner’s Magic is restricted to players from Australia, France, Italy, and the United States as well as all countries where online gambling is prohibited by national and/or local law.
In another measure to make their casino available, safe, and trustworthy, Winner’s Magic Casino has acquired remote gambling licenses. This means that with the licenses their customers have an authority to turn to in case they are feeling mistreated. The gambling authorities set up rules and regulations which the online casino must follow to be licensed, the seriousness of such rules depends on the authority. The Malta Gaming Authority and the UK Gambling Commission are two of the toughest gambling authorities and Winner’s Magic is licensed with both, meaning that customers can feel safe when using this online casino.
The online casino also implements an encryption key (128Bit-SSL) to ensure that all private data, handed by the customer to the casino, is kept safe and far away from unauthorized eyes. Additionally, Winner’s Magic is also audited by an independent auditor iTech Labs. They ensure that the games available to play on the casino are random and fair.
Winner’s Magic does not only set out to be a fair and honest online casino experience, but they also want to offer their customers entertainment and fantastic bonuses and promotions. All new players are therefore greeted to the casino with a Welcome Bonus consisting of up to €200 and 100 Free Spins. The Free Spins are allocated to the beloved slot machine from NetEnt – Starburst.
If you want to learn more about this casino, this online casino review will explore all of its parts, starting with taking a closer look into the welcome bonus and other promotions available at the online casino. The review will also look into the online casinos game library, their payment methods, the design of the website as well as the customer support. When concluding, we will reward Winner’s Magic with a score on our Barometer. A high score on that barometer means that we recommend the casino while a lower score means that there are other casinos which we prefer before the mentioned casino.
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Winners Magic Casino Bonus and Loyalty Program

As a new player at Winner’s Magic Casino you are welcomed with a match-up bonus and a total of 100 Free Spins. To receive this the player must make a first deposit of a minimum of €10. The casino matches your first deposit on up to €200 and at this time the first 20 Free spins are allocated to the popular slot machine Starburst. The match-up bonus, as well as the Free Spin winnings, must be wagered a minimum of 35x within 21 days of receiving the bonus.

We have broken down the bonus below for interested players:

• 1st deposit: 100% Match-up bonus on up to €200 + 20 Free Spins to Starburst.
• 2nd deposit: if on the second day a deposit of minimum €20 is made, 40 Free Spins to Starburst are received.
• 3rd deposit: if on the third day a deposit of minimum €20 is made, 40 Free Spins to Starburst are received.
No players from Sweden are available to take part in the bonus. The Free Spins must be used on the day they are received. Players can withdraw their deposited money before the wagering requirements are met but in doing so the bonus will expire. There are a lot of terms and conditions associated with the bonus, this is standard practice. It is also worth noting that not all games contribute to the wagering requirements the same. To learn more about which games contribute what to the wagering requirements players can read so here: https://download.gamesrv1.com/Resources/External/bonusterms/tc\_eng\_EUR.html The bonus might not give players a lot in terms of winnings, but it does allow the player to experience the casino and what it has to offer without depositing too many of their funds.
In addition to the bonus, Winner’s Magic is intent on offering promotions to customers as the website has a promotion tab, currently only the welcome bonus is available there. As this casino is an Aspire Global operated casino, we are sure that more promotions will be available soon. We always recommend our readers to take a look at each promotion’s terms and conditions as these may vary.
The online casino offers an exciting loyalty program to all players. The best part about this program is that the more you play the bigger the rewards you can reap are. There are 7 levels in the VIP-program. Each level gives the player something special. For example, as a “Silver Member” the player will get 10 Free Games on Sunday, be able to take part in VIP Live Tournaments and receive a birthday bonus. All but two levels are achievable by just wagering money on the casino. Each €16 wagered reward 1 point, to achieve the highest available level 1000 points are needed. The two top levels “Premium VIP” and “Prestige VIP” can only be reached through exclusive invitation, these members will receive Personal Account Managers as well as higher Deposit and Cash Out Limits.
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Winners Magic Casino Games

To keep players engaged to the online casino there must be a big variation of games for players to be entertained and thrilled. A casino’s game library can often make or break it. Being an Aspire Global operated online casino means that Winner’s Magic can offer their customers plenty of options not only when it comes to the number of games but also the number of different categories. Winner’s Magic offers seven categories where players can find games “Featured Games”, “New”, “Video Slots”, “Classic”, “Casino Games”, “Scratch Cards”, and “All Games”.
The biggest category (if you disregard the “All Games” category) is the “Video Slot” category which includes over 400 games. These games are supplied to the casino by some of the most well-known and highly regarded game suppliers in the industry. Some of the most popular slot machine games include “Book of Dead”, “Fruity Friends”, “Wolf Riches” and “Aztec Gold”. These games are supplied by greats within the game supplier industry such as NetEnt, Microgaming, Play’N Go, PariPlay, and BetSoft. The “Video Slots” category also includes jackpot games such as “Bonanza”, “Aztec Gold – MEGAWAYS”, and “Royal Seven XXL”. When a winner hits a jackpot, other players will be able to see their success as Winner’s Magic has a banner with the latest winners on the side of the page that shows the games.
Slot machines can also be found under the category “Classic”, which include titles considered classic slot machines. Some of the titles include “Royal Seven”, “Wild Elements” and “Hot Spin - Deluxe”.
It is more and more popular today for game suppliers to create games inspired by the popular culture. There are games such as “Mission Cash” or “John Hunter and the Aztec treasure” who are reminiscent of character that exist in today’s popular culture (in this case they remind us of James Bond and Indiana Jones). Other games are not just inspired by popular culture but are a part of the franchise such as “Game of Thrones – online slot” or “Jumanji – Video slot”. For players interested in these types of games Winner’s Magic will not be a disappointment as these games and many more are available.
Under the category “Casino games” players will be able to find a selection of top-rated table games with titles such as “Sapphire Roulette”, “Blackjack – Multihand VIP”, and “Baccarat”. This category also includes “Casino Patience” and “Football Studio”. The category includes close to 70 games and it is also under this category that players can find Live Casino games. The Live Casino Games transport the players from wherever in the world they are to a real casino with professional dealers and tables with plenty of other players. The Live Casino games are supplied by one of the most well-known Live Casino game suppliers on the market – Evolution Gaming. Evolution Gaming set themselves apart by not only offering top-quality games, but they also offer many of their games in different languages. Play Roulette in Finnish, German or Norwegian if you dare!
The final category of games available at Winner’s Magic is “Scratch Cards”. This category includes over 60 games. Some of the most popular titles include “Hit The Bank”, “Wizard of all”, “Bingo”, and “Scratch N’ Roll”. The games in this category are all a bit different but what they have in common is that some scratching is required to reveal a win.
We find it incredibly encouraging and exciting that a new casino such as Winner’s Magic offers their customer so many different options when it comes to games. We are also pleased to be able to inform our readers that this casino’s games are independently audited by iTech Labs to ensure that the results are random and fair, yet another point which we find to be very positive.
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Winners Magic Casino Depositing and Withdrawing

One of the most important points, when a customer is looking for a new casino, is what payment methods are available for depositing and withdrawing. The online casino must offer their customer methods which are both more local like (Zimpler) and international like Credit/Debit Card.
Winner’s Magic has taken this into account and therefore offer payment methods from the most well-known banking methods as well as some local banking methods. The minimum deposit is €10, and several currencies are accepted. For example, players can deposit Euros, Krona (Norwegian), as well as Canadian dollars and Pounds. The deposits almost exclusively take place instantly.
Once the wagering requirements have been met and the player is ready to withdraw their winnings, there are several methods which can be used. The most common thing is that the method used to deposit is used to withdraw, the only exception to this is when the deposit method is not available to withdraw then the player can choose to for example have the money transferred via Bank Transfer. There is a pending time of 24 hours on all withdrawals. The maximum withdrawal is €7.000/month and the minimum withdrawal for most methods is €10. The limit is in our opinion slightly low but understandable due to the newness of this online casino. There are no fees on withdrawal which is something we appreciate.
We believe that any casino that tries to make their banking methods as wide and accepting as possible have their customer’s best at heart, as can be seen by Winner’s Magic. Unfortunately, we do find that the withdrawal times are slightly slow as the fastest way to withdraw funds still requires three business days. This is not a problem limited to this casino but with most and is something we would love to see the industry change.
Another point which we find great about this online casino is that it implements a 128-bit SSL encryption key on all sensitive data. This means that whatever private information is sent by the customer to the casino is protected and safeguarded from unauthorized eyes. The casino also works hard to prevent fraud and therefore can demand additional verification of identity from the customer. In the case of Sweden, all customers must verify having reached the legal gambling age of 18. The customer will then have up to 30 days to verify their age if this is not done within the time limit the customer’s account will be shut down. In our opinion, any casino that goes the length to abide by the rules and regulations set up by different countries to safeguard the players, are good casinos.
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Chime: $50 for $200 direct deposit (can easily get around direct deposit requirement, please see details below).
- https://chime.com/milazadrozny
Wings Financial Credit Union: $50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
- https://www.referlive.com/wingsfinancial/newcustform/109cb9ea5300f9a4bb2a6884eac831077a4/4/11101268SY4BYUZ
Aspiration: $50 for spending $250 with their debit card within 3 months, and extra $100 for $1000 spend in 3 months.
- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash: $20 for $5 deposit from any source.
- https://get.stashinvest.com/amadeowpr10
SkyOne: $25 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
- https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union: $50 for opening a money market account and making a $5 deposit + $5 donation.
- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen: $25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me for a link.
N26: $10 for opening an account and making a purchase of $10 or more using their de bit card.
- https://app.n26.com/referral/amadeor4364

Cryptocurrency

Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
- IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
- Android: https://play.google.com/store/apps/details?id=com.investvoyager
Celsius: Free $40 for depositing $200 worth of cryptocurrency.
- https://celsiusnetwork.app.link/101697ce8c
Crypto.com: Free $50 for "staking" (buying and holding) 1000 CRO (approximately $170) for 6 months. (enter referral code 66v69rwt76 if not pre-filled)
- https://platinum.crypto.com/66v69rwt76
Gemini: Free $10 worth of Bitcoin for trading $100.
- Account Signup: https://gemini.com/share/rllzke26
Constant: Free $10 for opening an account, verifying your identity, and depositing $10.
- https://www.myconstant.com?r=annoyedproduct
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
- Coinbase: https://www.coinbase.com/join/ruiu_8
- Orchid: https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards

Chase Freedom: Free $200 for signing up for a Chase Freedom Unlimited credit card and spending $500 within 3 months.
- https://www.referyourchasecard.com/2f/ONLMEFPEFJ
Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
- https://refer.discover.com/s/hhti4m

Other

Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
- https://rootbonus.com/AmadeoRuiu
Worthy Bonds: Free $10 for opening an account, no deposit required.
- https://worthybonds.com/?r=etyji
SoFi Loans: Free $300 for refinancing a student loan or taking a personal loan.
- www.sofi.com/share/2498539?src=copy
Fetch Rewards: Receipt scanner app, rewards you 5 cents each for receipts from most major chain stores. Fetch has a $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
- https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
- https://www.raise.com/raise-rewards/AMADEO0427

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 3 free stocks (1 worth $2.50-$250 for opening an account, and 2 worth $8-$1600 each for depositing $100). Offer ends October 31st! That's a MINIMUM of $18.50 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

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
https://share.firstrade.com/MilaAQOK

Dough

Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too).
Available for iOS or Android only.
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

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from virtually any source i.e. bank accounts, cashapp, etc.
https://chime.com/milazadrozny

Wings

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.

https://celsiusnetwork.app.link/101697ce8c

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $50 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $50 bonus crypto to celsius instantly.

(enter referral code 66v69rwt76 if not pre-filled)
- https://platinum.crypto.com/66v69rwt76

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

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.
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

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

Banks

Service Credit Union: $100 for making a direct deposit of $500 (mobile check deposit & SoFi works, posts quickly!).
- https://servicecu.org/pays-2-know-referred/

On the account application, after you select the Everyday checking account, it asks: "Did a friend refer you through the Pays 2 Know Program?"
Select "Yes" and paste this code: P2K0413361801
Full guide on this referral bonus- https://www.reddit.com/clicksforbeermoney/comments/iazm3p/easy_100_bonus_from_service_credit_union_fo

SoFi Money: $50 for depositing $500 from any source.
- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
Chime: $50 for $200 direct deposit (can easily get around direct deposit requirement, please see details below).
- https://chime.com/milazadrozny
Wings Financial Credit Union: $50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. Additionally, you get an extra $300 bonus for doing the $300 direct deposit. Very generous bonus. No fees, no catches, can withdraw and close account any time fee free.
- https://www.referlive.com/wingsfinancial/newcustform/109cb9ea5300f9a4bb2a6884eac831077a4/4/11101268SY4BYUZ
Aspiration: $50 for spending $250 with their debit card within 3 months, and extra $100 for $1000 spend in 3 months.
- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Qapital: $25 for making a $20 deposit from any source (additional steps required, please see below details).
- https://get.qapital.com/SGjU8VhoM4
SkyOne: $50 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
- https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union: $50 for opening a money market account and making a $5 deposit + $5 donation.
- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen: $25 for opening an account, depositing $200, and doing 5 debit card transacrtions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me if you want a link.

Stocks

Webull: 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
- https://invite.robinhood.com/amadeor3/
Moomoo: 1 free stock worth $10-$1000 for making a $500 deposit.
- https://j.moomoo.com/000LR3
M1 Finance: $10 for opening a brokerage account and making a $100 deposit.
- https://m1.finance/J6aLCt6SRGdW
SoFi Invest: $50 for $1000 deposit from any source, and $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
- https://www.sofi.com/share/invest/2498539
E*Trade: $25 for $5000 deposit from any source (additional bonuses available for larger deposits)
- https://refer.etrade.net/amadeoruiu3
Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
- https://share.personalcapital.com/x/oGFEyl

Cryptocurrency

Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
- IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
- Android: https://play.google.com/store/apps/details?id=com.investvoyager
Gemini: Free $10 worth of Bitcoin for trading $100.
- Account Signup: https://gemini.com/share/rllzke26
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
- Coinbase: https://www.coinbase.com/join/ruiu_8
- Orchid: https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards

Chase Freedom: Free $200 for signing up for a Chase Freedom Unlimited credit card and spending $500 within 3 months.
- https://www.referyourchasecard.com/2f/ONLMEFPEFJ
Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
- https://refer.discover.com/s/hhti4m

Other

Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
- https://rootbonus.com/AmadeoRuiu
SoFi Loans: Free $300 for refinancing a student loan or taking a personal loan.
- www.sofi.com/share/2498539?src=copy

--Details on each offer below--

Banks-

Service Credit Union

Service Credit Union has an awesome new referral opportunity where they pay out $100 for anyone who signs up for an Everyday checking account account using a referral code and direct deposits $500. However, you can deposit the money directly from virtually any bank, or do a mobile check deposit, and you will still get the bonus!
And you can close the account at any time with no fees or consequences-
Sign up using this link-
https://servicecu.org/pays-2-know-referred/
On the account application, after you select the Everyday checking account, it asks: "Did a friend refer you through the Pays 2 Know Program?"
Select "Yes" and paste this code: P2K0413361801
If you don't enter this promo code, you will not get the bonus, so please be sure to!
They also require you to sign up for the American Consumer Council if you live outside of Massachusetts or New Hampshire (their target locations). Luckily, signing up for that association is easy and free. To do that, sign up using the form below and use membership code "consumer" to get it for free. You only need to fill out the One person per application: section.
https://www.americanconsumercouncil.org/membership.asp?dname=Americanconsumercouncil.org
This is a relatively new referral offer, but easily one of the easiest and highest paying ones out there.
I made a guide with more detailed info on the steps to complete this referral offer, you can check it out here-
https://www.reddit.com/clicksforbeermoney/comments/iazm3p/easy_100_bonus_from_service_credit_union_fo

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
And you can close the account at any time with no fees or consequences-
I would be grateful if you used my referral link- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus!
If you don't have cash app, you can also transfer in $200 from most bank accounts and still get the bonus.
referral link- https://chime.com/milazadrozny

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
Additionally, they give you an extra $300 bonus for doing the $300 direct deposit. Very generous bonus, $350 in total! No fees, no catches, can withdraw and close account any time fee free.
referral link-https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
referral link- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Qapital

Qapital is a banking app (iOS/Android) which pays you a $25 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3 per month.
If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment (the $3 monthly fee), they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money.
referral link- https://get.qapital.com/SGjU8VhoM4

SkyOne

SkyOne is a credit union which will pay you a $50 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ.
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account via a referral link and making a $100 deposit.
Acorns is available on iOS and Android, or you can use their website.
referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Robinhood is available on iOS and Android, or you can use their website.
referral link- https://invite.robinhood.com/amadeor3/

Moomoo

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus that posts to the account within 14 days.
M1 Finance is available on iOS or Android only.
referral link- https://m1.finance/J6aLCt6SRGdW

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
SoFi Invest is available on iOS or Android only
referral link- https://www.sofi.com/share/invest/2498539

E*Trade

E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit, on a tiered basis-

Reward	Deposit Amount
$25	$5,000–$9,999
$50	$10,000-$24,999
$200	$25,000–$99,999
$300	$100,000–$249,999
$600	$250,000–$499,999
$1,200	$500,000–$999,999
$2,500	$1,000,000+

referral link- https://refer.etrade.net/amadeoruiu3

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. No deposit required!
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
Referral link- https://share.personalcapital.com/x/oGFEyl

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.
I would be grateful if you used my 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

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

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other-

Root

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
You should research the pros and cons of student loan refinancing before you consider this option, The basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances.
There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering.
www.sofi.com/share/2498539?src=copy

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We have broken down the bonus below for interested players:

Winners Magic Casino Games

Winners Magic Casino Depositing and Withdrawing

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Public

FirstTrade

Dough

TradeUp

Robinhood

Acorns

Moomoo

M1 Finance

Round

SoFi Invest

Personal Capital

Banks-

Porte

SoFi Money

Chime

Wings

Aspiration

Stash

SkyOne

Premier Members Credit Union

Oxygen

N26

Cryptocurrency-

Voyager