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16 Apps That Will Earn You Passive Cash Back (Best Passive Saving Apps 2020)

This is the updated 2020 Q1/Q2 version of this post. If you remember reading the previous iteration of this post, there are several changes to the list this time around. Some new additions, and some removals.
Note: Most of these apps will be US only, with a minimum age requirement of 18.
Having said that, let's get right into it.

16 Passive Cash Back Apps 2020

Pei (Ref)

Pei is an automatic cash back app. When you sign up, you'll link a debit/credit card and you'll then automatically start earning cash back as you shop at certain Pei merchants (listed just below). There are so many merchants with Pei that you'll likely find yourself accidentally earning cash back on the app, without even knowing it. Pei is an app that you can really just link a card and then check back weeks later and surprise yourself with the money you've earned. Pei deserves the top spot in this post because of how consistent it is, and just how many places you can earn cash back with it. You can cash out instantly as soon as you reach $25 in your account. If you sign up with a referral code, you'll get a $2.50 bonus once you spend at a Pei merchant. You can use the referral code found on the most common Beermoney Sites thread here.

Pros of Pei:

So with all of that being said, let's talk about the stores you can find on Pei. Just note that these are only stores that are local to me, so if I don't have a certain store near me that Pei offers, I won't have it on this list. Additionally, Pei actually offers so many stores at this point that there's no way for me to actually keep this list up to date at all. There have been countless times where I've shopped somewhere that doesn't even come up as an option to earn with Pei but I'll see cash back listed on the app. It's really quite impressive.
In addition to receiving cash back at many locations, Pei also has a 'loyalty bonus' where if you shop at a certain store 5x you'll earn a bonus of up to $100 (but usually way less).
Pei Also just released a new feature called "Party Cash". Basically with Party Cash if you ever go shopping somewhere with your friends who also have Pei, you can start a party, and for each friend you shop with, each person will get a +1% bonus. For example, if I go shopping at Target with 2 other friends and we all start a Party Cash on Pei, we'll each get 1% (for usual cash back) plus 2% cash back from Party Cash, for a total of 3% cash back.
Most stores do have a $5 daily/weekly earning limit, so do be aware that if you spend more than ~$500, you'll likely reach an earning cap.

Dosh (Nonref)

Ref: KJK6

Dosh is one fastest growing cash back apps on this list. Similar to Pei, it's a card linked program where you'll automatically earn cash back when you shop at several local and national brands. On average you'll earn 3-5% cash back when you shop at the brands featured on Dosh. As soon as you hit $25 in your balance, you can cash out to PayPal.
The biggest downfall of Dosh is that the offers in the app change frequently, and the offers are targeted, meaning that not everyone will see the same offers.
Below are some of the current offers for instant cash back that you might find on Dosh. Note that only instant cash back offers found on the app will earn you cash back automatically when you spend with your card.
Dosh also does have a generous referral program where you'll get $5 when you sign up and link a card, and so will the referrer. If you'd like to, you can enter my code, KJK6 or use my referral link (nonref)
BTW, If you've heard of Dosh before, that might make sense. If you use Venmo and have the Venmo debit card, they recently introduced Venmo Rewards, which is powered by Dosh.

HOOCH Rewards (Ref Link)

HOOCH has earned the number 3 spot on this list this time around because of all the programs on this list, it has remained consistent. HOOCH will automatically earn you cash back when you link a credit/debit card whenever you shop at several national brands.
If you understand how Pei or Dosh above works, there's not really much more to say about HOOCH's cash back system.
You'll instantly earn 1% cash back at the following national brands:
  • Uber
  • iTunes
  • Starbucks
  • Domino's
  • Netflix
  • Shake Shack
  • Spotify
  • Audible
  • Redbox
  • Uber Eats
  • Hulu
  • In-N-Out
  • Chipotle
In addition to 1% cash back at the national brands, here are some other ways you'll earn with HOOCH:
  • Connecting your first card ($5 bonus)
  • Drink at a HOOCH Venue (5%)
  • Book a Hotel (5%)
  • Dine at a HOOCH Venue (5%)
  • Refer friends
HOOCH started a long while back as a subscription app where you'll buy a subscription and you'll get a free drink at a HOOCH venue every day. The venues are extremely limited, so a majority of the people reading this won't find any value in that plan. Dining is just as rare.
Their referral system appears to be pretty generous. They're currently offering a $5 bonus for signing up, as well as $1 for the referrer, as well as a 20% bonus on their earnings for life. Here's my referral link, and a nonref link :)
Here's the downfall of HOOCH:
You can only cash out for gift cards, and the minimum is $25.
For most people, this is a really big disadvantage of this app. Assuming that most people will only be earning through the 1% cash back brands, the minimum you'll need to spend in order to his the cash out minimum is $2500, which would likely take most people a really long time, since the brand options are not places where you're likely to spend a lot of money frequently...like, for example, a grocery store.
But still, you could probably earn yourself a few free gift cards every once in a while for a totally passive app.

Bumped (Sign up & join waitlist!)

Bumped is an investing app, when you really boil it down. When you sign up you'll select one brand in each category (there are a lot of categories, you'll see below), and each time you shop at the selected brand, you'll earn the certain specified purchase back in the form of company stock. This is unique to all of the other apps on this list, because you're actually receiving company stock. Also, because of this, I think it's very important to note that in order to sign up for Bumped you'll need to enter your SSN since you will be opening up a brokerage account.
As of posting, the following are the category options that you can choose from:
I've bolded the brands I selected. Obviously you should pick a brand that you can find yourself using the most. Do note that if you pick a brand that you might want to change later, you'll get the opportunity to change your brands 3 times a year, at least 30 days in between.
Category Options
Burgers 3% at Jack in the Box
3% at McDonald's
3% at Wendy's
Coffee 2% at Dunkin' Donuts
2% at Starbucks
Drug Stores 2% at CVS
1% at Walgreens
Family Dining 2% at Applebees
2% at Chili's
2% at Olive Garden
2% at Red Robin
Grocery 1% at Kroger Family of Stores
Home Improvement 0.5% at The Home Depot
Mexican Food 2% at Chipotle Mexican Grill
2% at Taco Bell
Music Subscriptions 1% at Pandora
5% at Spotify
Pizza 1% at Domino's
5% at Papa John's
2% at Pizza Hut
Ride Sharing 0.5% at Lyft
0.5% at Uber
Superstores 1% at Target
1% at Walmart
Telecommunications 0.5% at AT&T
0.5% at T-Mobile
0.5% at Verizon Wireless
Video Subscriptions 1% at Netflix
5% at Sling TV
Vineyards 1% at Willamette Valley Vineyards
One thing that is listed on the app is that if you want to move your way up on the waitlist you can refer your friends to join the waitlist as well.

Bits

Bits (of stock) is very similar to Bumped. It's better in some ways, but worse in most.
Similar to Bumped, there's a waitlist. Note that Bits is currently only available on iOS, but they have teased a version for Android will be coming.
So, here's the issue with Bits...
There's no brokerage accounts set up.
If you're not sure what that means, basically in order for you to actually own and trade stocks, you'll need to do it through a brokerage account. For example, if you use Robinhood, you own a brokerage account at Robinhood. If you use TD Ameritrade, you'll have a brokerage account at TD Ameritrade. So basically the app will say that you're getting stock back as you spend, but there's no way to actually sell your stock. Basically what I'm saying is that until the brokerage account is added, you're really just receiving play money. Bits has been extremely silent about the release of the brokerage accounts... I asked them back in December and they said they were aiming to release it "next month". Three months have passed since then, so I asked last week and they again said the same thing.. the goal is a release next month (April). We'll just have to wait and see. The point here is -- assume you're not earning anything with Bits until they add the brokerage accounts. This post will be updated once the accounts are added.
So, as for the actual cash back from Bits, you're able to choose 15 brands (that you can change at any time). I'll list the brands you can choose from below. What's interesting is that when the app first launched, all of the brands offered a 2% CB rate (which is unsustainably high). The rates have since come down to 0.5% for all brands.
To save characters, here's a recording of me scrolling through the brands offered. If you don't want to watch that video, just know that there are a lot of brands to choose from.

Ibotta (Ref Link)

Ibottais a cash back app that has been around for years, but this is its first time being added to this list. When the app originally launched, you would earn on the app by selecting cash back products that you could purchase and receive a rebate. Once you selected products you wanted to purchase, you would then scan the products after purchasing them to confirm your purchase, and then submit a photo of your receipt.
That doesn't sound too passive, now, does it?
Well, over the last little while, the app has come a very long way. In most cases you no longer need to select rebates you want to purchase, and in most cases you don't even need to scan a receipt, if you're shopping somewhere where you can link a rewards membership.
For example, I shop at Meijer and Target primarily for groceries. Both of these stores allow me to link my accounts with the stores, so for Target any time I shop and spend using a credit card that is linked to my Target account, I'll get cash back automatically. Same thin for Meijer. As soon as I enter my mPerks phone number, I'll get cash back.
What's great is that you don't even have to select offers anymore. So this is one of those cases where you might accidentally get cash back. Also, just to clarify, you're getting cash back for the products you purchase, not the place that you're shopping... which is different than most of the other apps featured on this list.
Even if you don't purchase a product that qualifies for a rebate, you'll probably find yourself earning cash back almost every time you shop because Ibotta has several "Any" offers, meaning any time you buy "any" kind of a product, say.. blinker fluid, for example, you'll earn cash back for your blinker fluid purchase regardless of the brand. These offers are optimal for cash back.
I personally went a whole couple months without opening Ibotta and I showed up to $50 in cash back from purchases I didn't even know I was getting cash back for.
Another newer feature of the app (which isn't passive) is Ibotta Pay. Ibotta Pay is basically just a glorified way of purchasing gift cards and receiving cash back for the gift card purchase.
In addition to this cash back, you'll also find several bonuses where if you redeem x offers, you'll get a certain $ boost. For example, I currently have an offer for a $10 bonus if I redeem 14 offers before the bonus expires in just a few days. I've redeemed 2 so far, so I'm not sure if I'll be getting there in time. (BTW, if you're ever cutting it close, just note that Ibotta Pay will work where each gift card purchase will qualify for a completed offer ;))
Ibotta also does have a generous referral program. They do referral offers very frequently where you can earn bonuses, but the current offer is $4 for each friend you invite. Please consider using the referral link found in the Most Common Beermoney Sites thread.

Uber Visa Local Offers

Shop or dine out, get Uber credits back.
Use your Visa card next time you dine out or go on a shopping spree at a featured store and earn Uber credits toward future rides. To join, go to settings in your Uber app and tap on Visa Local Offers.
Whenever you shop out at certain places you'll instantly receive uber credits to your account. It's really simple, and yes, this does stack with all of the other cash back apps you might be a part of.
The brands they offer do change semi-frequently, so you should check them from time to time.
In the past there have been 100% cash back offers for streaming services, and 10-20% cash back at Sam's Club. Considering that these offers do stack, there is some really great potential if you find any value in uber credit.
If you're interested in activating the Visa local offers, you'll need to make sure you have a visa card linked to your Uber account first, and then you should see "activate local offers" in the app settings or payment settings of Uber.
There's really not much to say about Visa Local Offers, but if you're looking for some FAQ/Terms, feel free to check them all out here.

Cash App "Boosts"

For those if you who don't know what Cash App is, Cash App is an app by Square that lets you send and receive payments. They've also expanded their app to support bitcoin purchases, and they'll also let you use the app as a checking account. With the cash app you can also sign up to receive the Cash Card, which is a debit card that is funded with your cash app balance.
If you have not used Cash App before, they do have a fancy referral program where when you sign up and send $50 you'll receive $5 and so will I. I do want to make this very clear: Cash App referrals can see the full name of the person who refers you, and the person who refers you will have your full name shown to them. If you're really private about personal information, be careful whose referral link you use. If you trust me, here's my referral link.
Please note that if you want to use the cash app boosts that I'm talking about, you'll need to be 18 years old and have the cash card (which is free, don't worry)!
Cash App announced that their cash card will be seeing 'boosts'. Boosts are their fancy way of saying that when you use our card at certain locations you'll receive a discount.
Once you have the cash card, you'll notice on the app below your card you'll be able to select your boost. The following are my personal boost options, as of posting. The boosts change frequently,
  • $5 Off One Order on DoorDash
  • 10% Off One Visit at Any Grocery Store
  • 10% Off One Visit at Dollar Tree
  • 10% Off One Visit at Walgreens
  • 10% Off One Visit at Nike
  • 10% Off One Visit at Walmart
  • $5 Off One Ride at Lyft
  • 10% Off Each Visit at Bath & Body Works
  • 10% Off Each Visit at Playstation Network
  • 10% Off Each Visit at Xbox
  • 10% off Each Visit at Chick-Fil-A
  • 10% Off Each Visit at Taco Bell
  • 10% Off Each Visit at Dominos
  • 10% Off Each Visit at Portillo's.
Boosts tend to change every Friday, but several boosts will remain for a long period of time. The longest lasting boost, which just went away in the last week is the $1 off Any Coffee Shop. It stuck around for almost 2 years, and anyone who had that boost applied would automatically save $1 every time they shop at any coffee shop, without any interaction.
So there are quite a few things I want to say & clear up.
  1. You can use a boost every 1 hour.
  2. You must select the boost that you'd like to use prior to the purchase. You're able to swap which boost you want to use as often as you'd like. So when you walk into Chick-Fil-A, just check and make sure your boost is set to CFA. If not, swap it.
  3. In order to apply the boost, you must pay with the Cash Card. It's automatic. If your total is $6 and you're saving 10%, you'll only need a Cash app balance of $5.4 for the transaction. Cash App will cover the other $0.60.
  4. If you link your Cash Card to Apple Pay, you can pay with it that way and the boosts will still be applied.
Do realize that just because you have the Cash Card on the app, you won't see the boosts. You need to have the physical Cash Card in your possession for the boosts to show up.
I've been really enjoying using the Cash Card for purchases. Especially at CFA & Chipotle. It's really not a hassle. When I'm standing in line at Chipotle I'll open the app and make sure my cash app balance is enough and if not I'll just add funds right away. The boost is applied immediately which makes you feel good. It's like the guac is free at Chipotle after you use the cash card. The only downside to using the Cash Card is that you won't be able to stack discounts with anything else on this list... Unless you find a way to link the Cash Card to any of the things on this list. Regardless, 10% off at Chipotle is the best I have found.

Venmo Rewards

Venmo recently announced Venmo Rewards.
Take what you know about Cash App's boosts and then apply something similar to Venmo's debit card. Venmo Rewards is actually a bit easier than Cash App's boosts because it truly requires no input from you whatsoever. The tradeoff is that the cash back rates are lower. If Cash App's average discount would get you 10% off, Venmo would be about 4%.
So here's how Venmo Rewards works:
Simply use your Venmo card at participating merchants—stores you know and love— to earn rewards. Zero setup required. See list of participating merchants in the app.
  1. Get a Venmo card Learn More
  2. Swipe your card at participating merchants
  3. Automatically earn cashback straight to your Venmo balance. (Seriously. That’s it.)
As mentioned above in the section about Dosh, Venmo Rewards is powered by Dosh, and similar to Dosh, the cash back options are targeted. I personally can't use Venmo so I don't have the current list that most people will be seeing as far as opportunities go, but Venmo Rewards originally launched (in November 2019) with the following CB opportunities:
  • 5% Target
  • 5% Sephora
  • 5% Wendy’s
  • 4% Dunkin’
  • 5% Chevron
  • 4% Sam’s Club
  • 5% Papa John’s
Evan on DoC commented earlier this month with their updated CB opportunities:
Dunkin Donuts 4%, Sephora 5%, Macy’s 4%, JCPenney 5%, Sam’s Club 4%, 1-800-flowers.com 15%, Papa Johns 5%, Forever 21 4%, Frank and Oak 5%)
  • 4% Walmart & Walmart Grocery
  • 4% Dunkin'
  • 5% Sephora
  • 4% Macy's
  • 5% JCPenney
  • 4% Sam's Club
  • 15% 1-800-Flowers.com
  • 5% Papa John's
  • 4% Forever 21
  • 5% Frank and Oak
What I can make from this is that the options have not changed much, and have actually expanded, with a couple exceptions. If you're a Venmo user, I think this is a pretty decent reason to get the debit card. The 4% at Sam's Club and Walmart is a pretty good deal for most people, especially if there are no limits to the cash back you can earn.

Empyr Apps

I've listed this as "Empyr Apps" because all of these apps are basically just the same thing. I'll take the example of Swagbucks Local since that's what most of you reading this will already be using.
If you paid attention in the Visa Local Offers section of this post, you'll find that the Empyr apps are actually very similar to those visa local offers.
When you shop at a certain store/restaurant, you'll earn with the empyr app you have linked. It's actually really not that special.
Here's a list of some/most of the current Empyr powered apps:
IMPORTANT NOTE: You're only allowed to use one Empyr app at a time! As soon as you link up with another Empyr app, you'll be disqualified from another until you link back up.
I do want to go into this list a bit this time around since there seem to be more and more Empyr apps popping up.
Swagbucks Local will always be popular among Swagbucks users. What's really nice about Swagbucks Local is that the payouts are always instantly converted to Swagbucks, which can help you cash out sooner. You'll also likely get a slot in the Swago board filled out, which might be beneficial to you.
RetailMeNot is a newer one on this list and it's the only one here that I feel like I recommend you go on/off with. RetailMeNot has recently been doing a lot of "Spend $X, get $Y" deals at a lot of the stores they offer. For example, they are currently offering $5 Cash back for in Store purchases of $30+ at Staples. This is a really good deal for an Empyr app, and would probably be my pick for that transaction, but not most of the time since they don't have very many stores as options.

Drop (iOS | Android)

Ref = fish

Alright, so Drop has gone through a lot of changes since the last time this post was updated. Drop used to be the best passive cash back app without any debate. It was also one of the first apps to offer a card link cash back program. Over the last several months (and years), their card link program has seen several devaluations. First they removed brands you could pick from to receive cash back (for example, when I first joined, you could choose to earn cash back each time you shopped at Amazon, but new users would later not see Amazon as an option). They later lowered the cash back rate. For example, Target went from 1%, to 0.2%. And finally they limited new users to pick from 5 brands to receive cash back at to just 3.
In February 2020 Drop announced a change to the way their card linked cash back would work..
They since have removed their 'power offers' (the offers where you automatically earn cash back at brands), and have replaced it with card link 'Challenges'. These challenges have just recently launched, so it's hard to tell whether or not these will be passive or worthwhile altogether. I currently have one ongoing challenge where if I spend $10+ at Target with a linked card, I'll get 250 points ($0.25), which is pretty insignificant.
As far as I can tell, they seem to have ditched all other forms of card linked cash back from their app. If the challenges turn out to have nothing passive about them, or have no proof of being worthwhile, Drop will likely not even be on this list the next time around.
So let's talk about some features of Drop since we're on the topic.
Drop has clearly moved away from passive cash back, and has focused more on becoming a cash back app in the form of portal earnings and specific offers. Several of these offers are unique to drop, which is good, but when it comes to portal cash back, the rates are often on par or slightly below the offerings you could find on Cashback Monitor.
Another thing about Drop that people are (rightfully) upset about is the change that now requires you to save up $25 worth of points (25,000) in order to cash out. The minimum previously was just $5.
The only feature about Drop that hasn't been nerfed to the ground is their referral program. When you refer your friends you'll earn $5 once they link a card, and they'll get $5 as well.
Overall I'm not too hopeful that Drop will remain passive at all, so this might be the app's last appearance on this list for the foreseeable future.

Credit Cards

I've refrained from listing credit cards on this post for a long time. Maybe because I thought it was too obvious, or maybe it was unnecessary, but since the number of younger people using this subreddit has been increasing I feel like I'd be doing a disservice to entirely disclude a blurb about credit cards.
If you have a credit card and you don't really care to learn more about credit cards, just skip this section. If you're reading this post and you're 18+ (or if you're about to turn 18) and you don't have a credit card or don't know much about credit cards, I think it's a good idea to look into them. I'm not going to tell you exactly what a credit card is since that's an easy google search, but I will tell you about some benefits, especially about those that pertain to the benefits of this post.
Credit cards are great because you can essentially spend money just like you normally would*, but you'll also earn cash back on all/almost all of the purchases you make with them. Additionally, especially if you're young, getting a credit card is a really great because it will start helping you build credit. I'm currently looking into renting a house next year with two housemates and I'm shocked to see that neither of them have any credit. They quite honestly couldn't possibly live in a house without me, since I'm the only one who has credit.
*Make sure you're paying off your credit card every month (or however often you need)... Don't let yourself get into debt. I'd argue if you think you're going to get into debt with a credit card, I'd personally suggest you don't get a credit card.
While you need to be 18 years old to get your own credit card, if you're under 18, you can still start gaining credit. Most major credit card companies will allow your parents to add you as an authorized signer on their credit card (which basically just means that you'll get permission to use their cards). An effect of this is that you'll start gaining credit. If you're looking to build up credit but you don't think you're ready for a credit card, I'd really recommend you ask your parents about becoming an authorized signer. It's a good conversation to have with your parents.
Anyways, let's talk about the cash back benefits, since that's what this post is about, after all.
There's a lot of credit cards. This post isn't going to list them all out. This isn't really even the right subreddit for credit card discussion.
Nerdwallet has a great list of credit cards, so you might want to check it out here, but I'm going to share my own personal situation and recommend that for anyone who might relate, since the average age on this subreddit is around the 18-25 range.
My first credit card was the Chase Freedom Unlimited card. I actually still use this credit card very frequently since it's a pretty balanced card. A couple years back on my 18th birthday I went into my local chase branch and physically had to beg for this card (it's a really beginner card, trust me). After getting denied both in bank and online, I finally found a rep who would give me a calm $500 credit limit for the card. Note: I had no credit before hand.
The Chase Freedom Unlimited card offers 1.5% cash back on all purchases with the card... so when you think about it, I'd previously been spending $100 at Chipotle every month with my debit card, but with the Freedom Unlimited card, I would now be getting 1.5% cash back ($1.50) back on those purchases. It's just an easy way to save money on everything.
If you use the other apps I suggest in this post, you'll likely earn cash back passively from them on certain brands that are featured, but stacking a credit card cash back on top of all the other bonuses is the absolute best way to earn passive cash back since it's usually 1-5% cash back on your purchases.

ReceiptPal

ReceiptPal is an app that allows you to upload your receipts from almost anywhere that you go shopping. It's actually a really simple process.
When you sign up you'll be presented with almost little scratch cards which contains 4 spaces. Each space is filled with a receipt that you upload. Once you reach 4 receipts, you'll earn 100 points. 300/400 points = $1, so basically every 16 receipts you upload you'll receive ~$1.
"So, mr Fishering, how is this passive!?"
Unlike most receipt apps, ReceiptPal allows you to link your emails and amazon account and they'll automatically upload receipts for you. I actually let this app alone for several months and came back to thousands of points and cashed out instantly.
If you make purchases online, you'll essentially be earning ~$0.07 for every purchase you make if you have your email linked. They'll automatically find receipts and submit them, so it's 100% passive earnings.
If you also shop IRL you can submit physical receipts as well.
You can cash out instantly for $5 minimum in the form of a gift card. I'd recommend saving up at least 7,500 points for a $25 gift card, since it'll value points at 300/$1.

Paribus

Paribus is not your typical cash back site. Once you sign up you can link your different accounts (such as your amazon account) and it will automatically track your shopping. Paribus doesn't directly earn you cash back... it acts more like Walmart's saving catcher if you've ever heard of that. If an item you buy somewhere goes on sale shortly after or if there's any other discounts/promotions you may have missed when you originally bought something, they'll quietly get you a rebate on whatever you purchased. It can be very hit or miss. The catch is that they do take a cut of your savings. I believe it is 30% for all new users, but for each member you refer you can cut the cut by 5%. If you save $10, they'll charge you $3 to whatever card you have linked.
Personally I've found it to be really hit or miss, but I've found some incredible savings. I bought a gopro and I got $15 saved with Paribus, and I also got $50 back from some really nice headphones I picked up on amazon from Amazon. What's weird is I bought the headphones like 6 months prior to the rebate. Was shocking to see it, but I've really had some good luck with Paribus.

Sift (iOS | Android)

After the last post, I noticed a lot of people enjoyed Paribus, so I figured it'd be good to add some alternatives in this post.
So, here's Sift. Sift is a similar site to Paribus, and its key focus is on enforcing credit card benefits that many people don't know about. It's actually pretty nice. It'll let you pick your credit card and it'll tell you pretty much everything about your card. I have the Chase Freedom Unlimited card, and I was actually shocked to hear some of the benefits my card has that I have never been taking advantage of.
From Sift's site:
We automatically comb through your credit card policies to show you all your benefits in one place. For every purchase we let you know what benefits you are eligible for. We streamline the claim process to make it as simple as possible to get your money back.
You can link your emails as well as your amazon account as well and they'll make it really easy for you.
I have not actually used Sift much myself, so I cannot attest to how well it works, but the app store reviews are generally positive for Sift.

Trim Savings

Trim is similar to Paribus and Sift, but there's a certain void that it's trying to fill that the other two don't really seem to be filling.
Trim's main selling point is its bill negotiations. Instead of trying to save you money when a price drops, they're going to try and just nip it right in the bud and try to get your bills lower.
Right now they're mainly trying to negotiate with cell providers, internet providers, and cable providers.
Here's how the process goes:
  • Submit Your Bill: Submit your most recent cell phone, cable or internet bill to get started.
  • Trim Negotiates: Trim negotiates with your provider to get you discounts on your bill.
  • You Save Money: Trim takes 25% of annualized savings, but only on success—otherwise, it's free!
So, similar to Paribus, Trim does charge a fee. In a sense, I guess that's a good thing because it gives them an incentive to make sure to get some sort of bill decrease for you so they'll make some money too. Their rate is currently 25% of your bill negotiation. Of course, if they're not able to negotiate your bill for you, you won't pay them anything.
Trim does also monitor your bank account for you and they'll notify you of account changes (that you can set). For example, if they see a transaction worth $xxx, they'll notify me that I've made a large transaction. If there weren't already so many other sites/apps that could do that, I'd say that's a great feature that Trim offers.

Conclusion

Hopefully there's some new apps/sites you found out about in this post. If you sign up for some/all of these programs listed, you should probably find yourself earning some pretty decent cash back, depending on where/how much you spend. These apps are very satisfying to watch your balances build up on, and after a while it's very rewarding to cash out and treat yourself.
In this update I added some really great additions like Ibotta, Venmo Rewards, and Bits, but I am very sad to see the turn that Drop has taken. I have been tipped off to some upcoming passive cash back opportunities that will be coming very soon, and I can't wait to share those and hopefully add them to this list in the near future.
As always if you have any questions please do leave a comment or send me a PM!
Thanks for reading!
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  • Please send me PMs with any questions you have about anything, or even just PM me if you want someone to talk to.
submitted by Fishering to beermoney [link] [comments]

Arian’s Blockchain Evolution

Arian’s Blockchain Evolution

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We will take a tour of the history of Arian’s Blockchain, going back to its beginnings, vision, objectives, and achievements to date.
At the beginning of 2017, the Arian project’s development team and the first members of the Decentralized Governance Committee held working meetings to study the market carefully from the user’s point of view and where the world of cryptocurrencies was heading.
The first mining attempts were in blockchains such as cryptonight and bitcoin, which work with the Proof of Work protocol, which leads to the centralization of mining power in the hands of a few companies.
Arian’s developers understand that the crypto world’s future, as well as in technology in general, does not consist of giving complete autonomy to machines or devices. Artificial Intelligence can not guarantee irreplaceable human elements such as perception, manipulation, creativity, reasoning, resilience, and learning for the correct, sustainable, and productive performance. So after extracting the best features of PoW and PoP, the Proof of Achievement was created: a blockchain consensus protocol based on the symbiosis between humans and machines for the block validation process.
This proposal works through a miner’s interaction with a device to achieve validation of Blockchain’s block. Which means with PoAch protocol, the ability and capacity of the user is more important than the device you use to mine. The future belongs to a combination of Artificial Intelligence and Human Intelligence.

First PoAch use case: Find the Hash

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In 2019 the Arian team developed a blockchain video game called Find the Hash, becoming the first official application of their new PoAch protocol. The challenge is to pilot a ship and gather 64 fragments or bytes in a maximum of three minutes competing with other participants; this achievement allows to mine the native cryptocurrency Ariancoin. The winner is confirmed by the game and nodes, allowing the block to be part of the Blockchain. Those who get the reward are called G-MINERS.

Hash Race, find the hash’s optimization

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Find the hash turned out to be a successful blockchain game for the miners. The community around it generated feedback that was taken into account to proceed with the implementation and launch of a new optimized version: Hash Race.
In the alpha test version, many users and G-MINERS recognized the new improvements, including a unique process that enabled us to find a new concept of democratic crypto mining.
G-Miners will have a “state” in the process, which can be: activated or inactivated. All participants who start playing will play in the active state until they do their first mining, at which time the “state” will change to inactivated and be activated again in a specific time. For that reason, this will prevent players with higher skills to hog all the mining, and make way for new players, preserving the concept of decentralization in Arian Blockchain in all its features.
Also, the game is incorporating a virtual store with products and tools to purchase with Ariancoin in the HASH RACE Blockchain Game. It will allow you to mine more efficiently and boost the value of the native crypto-currency ARIAN, contributing to the creation of a commercial ecosystem within the game.

Technical improvements to Arian’s Blockchain

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To project the crypto asset and its ecosystem towards a massive adoption, we made many optimizations. Therefore the current Arian’s Blockchain is the result of some tesnet versions that helped to improve and reach the final objective.
The Blockchain went from 250 million ARIAN to 150 million, with 50% of a pre-mined reserve (75 million ARIAN) used for payments offered to its early adopter’s community. It removed the well-known halving process, and a protocol called “netplay rewards” was included: a reward system for all G-MINERS to obtain Ariancoins for mining reward of the gamers team up to 3 levels deep of recommendation.
When a reward winner can not establish in the chain’s block, it will be awarded randomly among the community whenever there is a node connected even if it is not playing in a tournament.
All transactions in Arian’s Blockchain will record, so the mining data, transfers between users and benefits of the club as commissions, agile Staking, direct sales, and binary payment mode you will be able to view in the explorer of Arian’s website.
For more information visit us at https://ariancoin.io/blackpape

ARIAN CLUB / Usability — Community — Adoption

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The Arian Blockchain fulfilled the strategic alliance with Arian Club, a decentralized club through which early adopters will enjoy financial advantages to promote the use and adoption of the native cryptocurrency Ariancoin as a means of exchange and usability in the community.
Arian Blockchain has many advantages, such as the possibility of Ariancoin’s crypto mining from any device with an Internet connection. Thus, the protocol outline to be the most suitable and profitable for the so-called “smart device” or “Internet of things.”
This strategic alliance has led to a significant increase in downloads, activation of nodes, interaction with the Arian Interactive Node, and a progressive increase in the price of the currency.
For more information visit the following link: https://club.ariancoin.io/

Agile Staking, a new profitable form of “Holding

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The Agile Staking is a capitalization system of the Arian Blockchain protocol. It optimizes the best features of the Proof of Stake Algorithm, and consolidates Arian as a unique hybrid system in the blockchain market. It works with an algorithm that allows the creation of incentives to Ariane’s holders, establishing a shared responsibility with the user to guarantee the security of the network through a daily connectivity of the node to the system.
These incentives will only be available for a limited time until the pre-mining reserve be spend.
Our methodology ensures a more diversified distribution of this crypto asset holders.
submitted by ariancoin to u/ariancoin [link] [comments]

Cryptocurrency Trading With Forex. How does It work?

The demand of cryptocurrency is growing every day. New technologies demonstrate potential power, demonstrating that a currency that is not controlled by the state can really exist.
Rather than just Bitcoin today a large number of alternative forks have been created in the blockchain. In this article, we will examine what is a cryptocurrency, features of its reputation, as well as methods of working in the Forex market.

What Are Cryptocurrencies?

So, first, let's find out what is cryptocurrency. In essence, it is a decentralized digital network that is based on mathematical principles and is protected by cryptographic methods.
This Digital currency is anonymous, genuine, and in fact open, so shifts between wallet owners are done in minutes, depending on the type of currency. Digital money is not attached to fiat currency, and its product is originally restricted by the algorithm.
First in cryptocurrency is Bitcoin, which appeared in 2009.
After Bitcoin demonstrated its promise, which happened relatively quickly, other digital currencies called altcoins began to appear at an active rate. Today, there are alternative "crypts" with more than 950 items. Nevertheless, not all of them are traded on exchanges and are engaging to investors, miners and traders.
The cryptocurrency market operates 7 days a week and 24 hours a day, allowing exchange participants to buy, sell, and exchange currencies at any convenient time.
This type of working also dismisses the concept of a trading session, which indicates that price variations can be hard at any time of the day.
Furthermore, the market is very volatile, increasing its speculative appeal, and a large number of altcoins opens up more opportunities for exchange participants in terms of trade and investment.
First of all, popularity is, of course, Bitcoin, and the percentage of its dominance over other currencies is 42.2%. The most famous coins today involve Bitcoin, Ethereum, Ripple, Litecoin, Dash, Cardano and Zcash.
Overall, in today's crypto market, there is active growth of many currencies. In this connection, investments in altcoins raised, which in a particular way, affected their development and rose theirs in value.
Without a doubt, in the market for every cryptocurrency today, one can observe deep bribes or negligible price corrections. However, the general growth trend is unequivocally present.
Therefore, many have already taken their savings out from under the mattresses and rushed to buy dynamic developing alternative currencies.

Crypto Trading with Forex Brokers

Today, digital money is available on brokerage firms' platforms as an alternative trading tool, which is implemented not only in direct trading of crypto assets but also in indifferent value contracts.
Many Forex brokers provide you to start crypto accounts and trade Bitcoin, Ethereum, Litecoin, etc in pairs with EUR, JPY USD, RUR, and CNH
The replenishment of the account and the withdrawal of funds are carried out through specialized payment systems. Therefore, after the withdrawal of profits, the trader will only have to exchange the coins earned for real money on online exchanges.
Also, some brokers allow direct trading of Bitcoin and Ethereum alongside the dollar.
Cryptocurrency is a promising investment and trading tool where everyone can find their own profit. In fact, it is easier to exchange it in Forex, since you can win with the same success both in the increases in the course and in your falls.
The most reliable Forex brokers to gamble on cryptocurrencies foretell a continuation of the growth trend in the estimation of all currencies, so the one who worries that the bubble will collapse still has an opportunity to obtain their share of the desired profit.
Those who do not have digital currency can use CFD contracts for difference in normal types of trading accounts with related efficiency
This service is obtainable in the Alpari, InstaForex and Forex Club brokers.
submitted by jakkkmotivator to thecryptobasic [link] [comments]

UPDATE on my twitter suspension appeal

So if you havent seen my first post about my appeal, here it is. Appeal
This is going to be an update. I had sent in my second appeal in for my three accounts and this was the message.
Hello,
We’re writing to let you know that your account has been suspended—and will remain suspended—due to multiple or severe violations of our platform manipulation rules.
Artificially inflating your own or others’ followers or engagement is a violation of the Twitter Rules. This includes:
-selling/purchasing Tweet or account metric inflation – selling or purchasing followers or engagements (Retweets, Likes, mentions, Twitter Poll votes);
-apps – using or promoting third-party services or apps that claim to add followers or add engagements to Tweets;
-reciprocal inflation – trading or coordinating to exchange follows or Tweet engagements (including but not limited to participation in “follow trains”, “decks”, and “Retweet for Retweet” behavior); and
-account transfers or sales – selling, purchasing, trading, or offering the sale, purchase, or trade of Twitter accounts, usernames, or temporary access to Twitter accounts.
Please do not reply to this message as this email address is not monitored.
Thanks,
Twitter📷
Now heres the thing. The first two sorta kinda applies to me but what i dont understand is why now. Obviously I no longer do this, its been like years since i've did such thing. So an certain individual had falsely mass reported me on periscope for the reason spam. Twitter sees it as "platform manipulation and spam". And then I later receive this email from three of my twitter account's emails saying "Artificially inflating your own or others’ followers or engagement is a violation of the Twitter Rules". I just find this really weird and odd. The reason of account transfers or sales doesnt apply to me because i never bought or sold these accounts to anyone. Reciprocal inflation, im guessing follow trains and such? I guess i have participated in some of those by retweeting others tweets but i havent like made any tweets asking for followforfollow or retweetforretweets.

Selling/purchasing Tweet or account metric inflation - I dont sell any account metric inflation. As for purchasing, a while ago i believe i tried to buy like 1k for like five dollars or something just to try it out but like its been years. There was a site that i had used once in a while but eventually stopped called Youlikehits . Stated on their website:
Only Follow, Like, Subscribe, Share or Visit who and what you're interested in! We don't sell Followers, Likes, Subscribers, Shares or Hits. We are not a follow/like exchange. We never post from your Accounts without your permission. We don't ask for your account passwords. We have a strict NO Bot/Macro/Automation policy. All followers/likes/views are from real people. 
apps – using or promoting third-party services or apps that claim to add followers or add engagements to Tweets.
heres a list of apps currently connected to one of my twitter accounts
Squarespace Tippin.me - some bitcoin tipping service OSX - twitter on Mac Periscope Web Tiktok iOS - twitter for iOS MTV music awards vote PUBG Mobile Rockstar games social club Gofundme Yelp Unfollowspy - monitor and analyze followers and following. Located inactive and spam followers MARIO Kart Tour Audit and block fake followers - finds out how many of my followers are real Hypixel rewards Gleam competition app - a site used to grow your business. Most of the time is used in giveaways and such. Crowdfire - social media management. Discover and schedule content. Unlimapps - third party app that also for developers to add their own features to certain apps. Instagram - Niche - provides creators with the ability to grow, understand, and activate their social presence across all networks Swift key personalization Spotify Amazon Who followed me- makes it easy to track unfollowers as well as new followers. People who don’t follow back and people I don’t follow back. Giving the options to unfollow or follow as I see fit Tweepi- allows you to find relevant users on twitter, while being able to get a better understanding of your followers and friends. Blocktogether - a web app intended to help cope with harassment and abuse on twitter (no longer works as of 2018-06-28 Twitterific for IOS Siri Hive for Twitter- helps brands send emails they can feel good about. Super Mario run Vine Stripe Vine web SoundCloud Tweetdeck Unfollowerstats.com - track and unfollow your followers Periscope Mobile web - twitter. 
Tbh I didn’t even know I had this many apps connected but like these Twitter management tools are used to help mangage my followers and following and such.
If anyone has any encounters with this similar email, please let me know down below your stories and how you appealed it.
submitted by augustin_song to Twitter [link] [comments]

Mitch McConnell's Brother-in-Law One of the Masterminds of Trump-Russia

Jim Breyer, Mitch McConnell's brother-in-law, Facilitates Russia’s Takeover of Facebook through Yuri Milner
In 2005 Jim Breyer, a partner at Accel Partners, invested $1 million of his own money into Facebook and gained a seat on the board (1).
In Feb 2009 Jim Breyer visited Russia with a number of other Silicone Valley investors. While there, Yuri Milner, a Russian tech entrepreneur who founded DST with close ties to the Kremlin, hosted a dinner to cap the entire event (2). As one Moscow source put it:
DST has the backing of the big boys at the top in the Kremlin, which is why it will go from strength to strength (5)
Milner found out Breyer liked Impressionist art and took him to Russian’s Hermitage Museum to view Matisse paintings otherwise closed off to the public. Three months later Yuri Milner’s DST invested into Facebook at a bloated value. (2)
Mr Milner dismissed suggestions that at a valuation of $10bn he overpaid for his stake in Facebook, especially given that the social networking site has yet to prove it has turned to profit. (3)
it’s seen as a desperate and rather vulgar deal on the one hand—Milner buying a small stake in Facebook, valuing the entire company at $10 billion—and, on the other, Facebook debasing itself by taking Russian money. Russian money! In fact, it seems rather like a desperate deal for both parties (in the midst of the banking crisis, Facebook has only two other bidders for this round—and none from the top VC tier) (4)
By the end of 2009, DST would own 10% of Facebook. Later revealed by the Paradise Papers, DST’s investments into Facebook were financed by the Russian government through state-owned Gazprom. That’s right, in 2009 Russia owned 10% of Facebook. (6)
Soon after, the two continued to work together on other investments. Breyer introduced Milner to Groupon, and Milner helped Breyer’s Accel invest into Spotify (7). In 2010 an Accel representative joined a gaggle of Silicon Valley investors to Russia and signed a letter promising to invest into the country (8).
  1. http://fortune.com/2011/01/11/timeline-where-facebook-got-its-funding/
  2. http://fortune.com/2010/10/04/facebooks-friend-in-russia/
  3. https://www.telegraph.co.uk/technology/facebook/7753692/Facebook-is-just-the-first-step-say-Russians.html
  4. https://www.wired.com/2011/10/mf_milne
  5. https://www.theguardian.com/technology/2011/jan/04/facebook-dst-goldman-sachs
  6. https://www.theguardian.com/news/2017/nov/05/russia-funded-facebook-twitter-investments-kushner-investor
  7. https://dealbook.nytimes.com/2011/09/28/dst-global-hoping-to-grow-across-asia-puts-down-roots/
  8. http://www.ambarclub.org/executive-education/
Jim Breyer and Rupert Murdoch
Then in Nov 2010 Jim Breyer invested into Artsy.net, run by Rupert Murdoch’s then-wife, Wendi Deng, and Russia oligarch Roman Abramovich’s then-wife, Dasha Zhukova. Jared Kushner’s brother, Josh, also invested in the fledgling company (1).
At the time Rupert Murdoch’s News Corporation had a joint venture with the Russian mob-linked oligarch Boris Berezovsky, called LogoVaz News Corporation, that invested in Russian media (4). It was Berezovsky’s protege close to Putin, Roman Abramovich, who tied Berezovsky to the mob.
According to the Mirror Online, Abramovich paid Berezovsky tens, and even hundreds, of millions every year for "krysha", or mafia protection. (5)
In June 2011, Rupert Murdoch ended his foray into social media by selling Myspace to Justin Timberlake (2) and elected Jim Breyer to the board of News Corp (3).
  1. https://www.businessinsider.com/what-is-cadre-and-how-to-invest-in-its-real-estate-deals-2016-6
  2. https://en.wikipedia.org/wiki/Myspace
  3. https://web.archive.org/web/19990428071733/http://www.newscorp.com:80/
  4. https://www.bloomberg.com/profiles/companies/156126Z:RU-logovaz-news-corp
  5. https://en.wikipedia.org/wiki/Roman_Abramovich
Jim Breyer invests in Wickr with Erik Prince
In 2012 Breyer invested in a encrypted messenger app, Wickr. Other investors include Gilman Louie and Erik Prince. To understand the connection, we need to go back to 1987. Breyer, newly hired to Accel Partners, made his first investment with Louie’s video game company that owned the rights to the Soviet Union’s first video game export, Tetris (1).
Louie went off to become the founding CEO of the CIA-backed In-Q-Tel which invested in Palantir. Palantir’s founder, Peter Thiel, sat on the board of Facebook with Breyer (2)(3). On the board of In-Q-Tel is Buzzy Krongard (7), the man who helped Erik Prince’s Blackwater receive their first CIA contract, who also joined the board of Blackwater in 2007 (6).
Around that same time, 2012-2013, Prince met Vincent Tchenguiz, founder of Cambridge Analytica's parent company, SCL (8), and was introduced to Cyrus Behbehani of Glencore, one of the purchasers of Rosneft stock detailed in the Steele Dossier (9). Cyrus Behbehani sat on the board of RusAl with Christophe Charlier, who is also Chairman of the board at Renaissance Capital (10), an early investor of DST (11).
  1. https://wickr.com/wickr-raises-30m-series-b-led-by-jim-breye
  2. https://www.sfgate.com/politics/article/CIA-Asks-Silicon-Valley-s-Help-Executive-to-2904775.php
  3. https://www.iqt.org/palantir-technologies/
  4. https://www.politico.com/story/2016/08/palantir-defense-contracts-lobbyists-226969
  5. https://feraljundi.com/tag/reflex-responses-management-consultancy-llc/
  6. https://www.nytimes.com/2007/11/17/us/17brothers.html
  7. https://www.marketscreener.com/business-leaders/A-Krongard-006WHL-E/biography/
  8. https://www.haaretz.com/israel-news/revealed-erik-prince-had-business-ties-with-netanyahus-disgraced-chief-of-staff-1.5627887
  9. https://medium.com/@wsiegelman/a-fresh-look-at-erik-princes-house-intelligence-committee-testimony-and-emails-with-christophe-6603f06c6568
  10. https://medium.com/@wsiegelman/a-fresh-look-at-erik-princes-house-intelligence-committee-testimony-and-emails-with-christophe-6603f06c6568
  11. https://www.vccircle.com/all-you-wanted-know-about-digital-sky-technologies/
Jim Breyer and Yuri Milner invest in Prismatic
That same year, 2012, Jim Breyer invested in Prismatic, a news aggregate app, with Yuri Milner.
Prismatic’s technology works by crawling Facebook, Twitter and the web (“anything with a URL”) to find news stories. It then uses machine learning to categorize them by Topic and Publication. Prismatic users follow these Topics and Publications, as well as Individuals and the algorithm then uses these preferences and user-activity signals to present a relevant Newsfeed. (1)
Sounds like the beginning of what could be a propaganda dissemination tool. That goes in-line with Yuri Milner’s vision of Social Media. Milner’s theory:
“Zuckerberg’s Law”: Every 12 to 18 months the amount of information being shared between people on the web doubles... Over time people will bypass more general websites such as Google in favor of sites built atop social networks where they can rely on friends’ opinions to figure out where to get the best fall handbag, how to change a smoke detector, or whether to vacation in Istanbul or Rome. “You will pick your network, and the network will filter everything for you,” Milner explained. (2)
So how does Milner intend to utilize the data gathered through social media? Let’s see what Milner did to Russia’s top social media site, VK:
In January 2014, Durov sold his 12 percent stake to Ivan Tavrin, the CEO of major Russian mobile operator Megafon, whose second-largest shareholder is Alisher Usmanov, one of Russia’s most powerful oligarchs, a man who has long been lobbying to take over VK.
Then, in April 2014, Durov stated he had sold his stake in the company and became a citizen of St Kitts and Nevis back in February after "coming under increasing pressure" from the Russian Federal Security Service to hand over personal details of users who were members of a VK group dedicated to the Euromaidan protest movement in Ukraine. (3)
The Euromaidan protest ousted the Russian-backed president of Ukraine, Viktor Yanukovych, whom Paul Manafort had worked to install. (4)
  1. https://techcrunch.com/2012/12/05/prismatic/
  2. http://fortune.com/2010/10/04/facebooks-friend-in-russia/
  3. https://cointelegraph.com/news/what-ban-russias-vkcom-is-mining-bitcoin
  4. https://en.wikipedia.org/wiki/Viktor_Yanukovych
Facebook talks US Elections with Russia
In Oct 2012 Zuckerberg traveled to Moscow and met Dmitry Medvedev where they had a very interesting conversation:
Mr. Zuckerberg and Mr. Medvedev talked about Facebook’s role in politics, though only jokingly in reference to its importance in the American presidential campaign, according to Mr. Medvedev’s press office. (1)
While there he also visited Victor Vekselberg's Skolkovo, who’s currently under investigation by Mueller for donations to Trump (2).
As Obama’s effort to reboot diplomatic relations [with Russia] sputtered, federal officials began raising alarms about the Skolkovo Foundation’s ties to Putin.
“The foundation may be a means for the Russian government to access our nation’s sensitive or classified research, development facilities and dual-use technologies” (3)
And took time to teach Russian's how to hack Facebook friend data, the same hack used by Cambridge Analytica, Donald Trump’s campaign data firm.
In a 2012 video, Facebook's Simon Cross shows the Moscow crowd how they can "get a ton of other information" on Facebook users and their friends. "We now have an access token, so now let's make the same request again and see what happens," Cross explains (YouTube). "We've got a little bit more data, but now we can start doing really interesting stuff. We can get my friends. We can get some more information about one of my friends. Here's Connor, who you'll meet later. Say 'hello,' Connor. He's waving. And we can also get a ton of other information as well." (4)
Facebook later hired the individual who hacked Facebook and sold the data to Cambridge Analytica (5).
A month after that visit, Putin propaganda mouth-piece Konstantin Rykov, claims he began helping with Trump’s presidential aspirations (6). Days later, Trump registered “Make America Great Again” (7). The following year, Russia's Troll Factory, the Internet Research Agency, was created as was Cambridge Analytica.
  1. https://www.nytimes.com/2012/10/02/technology/zuckerberg-meets-with-medvedev-in-key-market.html
  2. https://www.adweek.com/digital/zuckerberg-russia-skolkovo/
  3. https://apnews.com/5e533f93afae4a4fa5c2f7fe80ad72ac/Sanctioned-Russian-oligarch-linked-to-Cohen-has-vast-US-ties
  4. https://www.youtube.com/watch?v=heTPmGb6jdc&feature=youtu.be&t=11m54s
  5. https://www.theguardian.com/news/2018/ma18/facebook-cambridge-analytica-joseph-chancellor-gsr
  6. https://washingtonmonthly.com/2017/11/24/a-trumprussia-confession-in-plain-sight/
  7. https://trademarks.justia.com/857/83/make-america-great-85783371.html
Andrei Shleifer and Len Blavatnik
Len Blavatnik, a US-Russian oligarch currently under investigation by Mueller, graduated from Harvard in 1989 and quickly formed Renova-Invest with Viktor Vekselberg, another oligarch under Mueller’s investigation (7)(8). Since then Blavatnik has maintained close ties to the university.
In 1992, after the fall of the Soviet Union, Andrei Shleifer led a consortium of Harvard professors to assist Russia’s vice-president, Antaoly Chubais, with the privatization of Russia’s state-run assets. Scandal broke when it was revealed Shleifer, through Blavatnik’s company and with Blavatnik’s guidance, invested in the very companies he worked to privatize. (6)
Years later, Shleifer continued to fund loans to Blavatnik for Russian ventures through his hedge fund, managed by his wife, Nancy Zimmerman (9), and created the Russian Recovery Fund which bought $230 million of Russian debt from Julian Robertson’s Tiger Management (10), who’s seed fun, Tiger Global, later invested in Milner’s DST.
Len Blavatnik and Viktor Vekselberg are major investors in Rusal (11).
Schleifer is still a professor at Harvard.
  1. http://harry-lewis.blogspot.com/2014/01/some-russian-money-flows-back-to-harvard.html
  2. https://en.wikipedia.org/wiki/Leonard_Blavatnik#cite_note-Yenikeyeff-7
  3. https://abcnews.go.com/Politics/investigators-follow-flow-money-trump-wealthy-donors-russian/story?id=50100024
  4. https://www.newyorker.com/magazine/2014/01/20/the-billionaires-playlist
  5. https://law.justia.com/cases/federal/appellate-courts/cafc/16-1718/16-1718-2017-03-14.html
  6. https://www.bloomberg.com/news/articles/2018-04-25/tangled-rusal-ownership-thwarts-easy-end-to-sanctions-quicktake
Breyer and Harvard
On April 2013, two months after Breyer was elected to the board of Harvard (1), Len Blavatnik, donated $50 million to the school (2) and joined the Board of Dean’s Advisors (3)(4) and Harvard’s Global Advisory Council (6) alongside Breyer. The next month Breyer announced plans to step down from the board of Facebook with an intention of focusing on his latest Harvard appointment (5).
In 2016 Len Blavatnik donated over $7 million to GOP candidates, including $2.5 million to Mitch McConnell himself (7).
  1. https://news.harvard.edu/gazette/story/2013/02/breyer_elected/
  2. https://news.harvard.edu/gazette/story/2013/04/blavatnik_accelerator_donation/
  3. https://www.accessindustries.com/about/academic-boards-committees/
  4. https://www.cnbc.com/2017/07/21/delivering-alpha-2017-jim-breyer.html
  5. https://sanfrancisco.cbslocal.com/2013/04/27/facebook-board-member-jim-breyer-stepping-down/
  6. http://docplayer.net/54127503-Harvard-global-advisory-council.html
  7. https://www.dallasnews.com/opinion/commentary/2017/08/03/tangled-web-connects-russian-oligarch-money-gop-campaigns
Breyer invests in Russian Companies
In 2014 Breyer’s Accel Partners invested in Russian hotel booking site, Ostrovok, along with Yuri Milner, Esther Dyson (1), Mark Pincus, and Peter Thiel (2).
Accel Partners also invested in Avito.ru in 2012 (3) and KupiVIP.ru in 2011 (4).
  1. https://techcrunch.com/2014/06/18/ostrovok-raises-new-12m-series-c-round-to-expand-outside-russia/
  2. http://idcee.org/participants/companies/ostrovok/
  3. http://www.ewdn.com/2012/05/02/avito-ru-secures-75-million-investment-from-accel-partners-and-baring-vostok/
  4. http://www.ewdn.com/2011/04/14/leading-private-shopping-club-kupivip-ru-completes-55-m-funding/
Jim Breyer, Blackstone Group, and Saudi Arabia
In 2011 Schwarzman was named to the board of the Russian Direct Investment Fund (2), headed by Kirill Dimitriev.
In June 2016, during Trump’s presidential campaign, Jim Breyer met with Saudi Crown Prince Mohammed bin-Salman, or MBS (8). The next month Breyer joined the board of Blackstone Group (1) alongside Stephen Schwarzman and Jacob Rothschild (3). In the past Blackstone Group had loaned Kushner Companies a combined $400 million over multiple projects (7). In the 2018 election cycle, Schwzarman donated $5 million to the pro-McConnell superPAC, Senate Majority PAC (13).
Jacob’s brother, Nat, is business partners with both Oleg Deripaska (4), Rupert Murdoch, and Dick Cheney (5). Nat is also a major investor in Glencore, one of the purchasers of Rosneft stock detailed in the Steele Dossier (6), and RusAl.
In January 2017, Breyer’s business partner at Wickr, Erik Prince, was introduced to Dimitriev by MBS’s emissary, George Nader, and the Crown Prince of the UAE (10).
On October 22, 2018, three weeks after the murder of Jamal Khashoggi, when most American investors were spooked away from Saudi Arabia, Jim Breyer showed up at an MBS-hosted Saudi business summit alongside Kirill Dimitriev of the Russian Direct Investment Fund (9). That same day, MBS pledged $20 billion for Blackstone Group's new infrastructure fund (11) to fund Elaine Chao's $1.5 trillion infrastructure plan (12). Elaine Chao, Mitch McConnells wife and Jim Breyer's sister-in-law, is Trump's Secretary of Transportation.
  1. https://www.blackstone.com/media/press-releases/article/jim-breyer-to-join-blackstone-s-board-of-directors
  2. https://rdif.ru/Eng_fullNews/53/
  3. https://en.wikipedia.org/wiki/Jacob_Rothschild,_4th_Baron_Rothschild
  4. https://www.telegraph.co.uk/news/politics/conservative/3236166/Muddy-waters-over-Oleg-Deripaska-Nat-Rothschild-and-George-Osborne.html
  5. https://www.nationofchange.org/2017/01/15/cheney-rothschild-fox-news-murdoch-drill-oil-syria-violating-international-law/
  6. https://en.wikipedia.org/wiki/Nathaniel_Philip_Rothschild
  7. https://www.bloomberg.com/news/articles/2017-05-26/the-kushners-the-saudis-and-blackstone-behind-the-recent-deals
  8. https://www.thetrustedinsight.com/investment-news/saudi-prince-mohammed-met-with-20-silicon-valley-innovators-in-tech-summit-20160628142/
  9. https://www.latimes.com/business/la-fi-moelis-saudi-arabia-20181023-story.html
  10. https://www.vox.com/2018/3/7/17088908/erik-prince-trump-russia-seychelles-mueller
  11. https://www.bloomberg.com/news/articles/2018-10-22/how-blackstone-landed-20-billion-from-saudis-for-infrastructure
  12. https://www.bloomberg.com/news/articles/2018-10-22/how-blackstone-landed-20-billion-from-saudis-for-infrastructure
  13. https://www.washingtonpost.com/news/post-politics/wp/2018/07/20/big-money-is-flowing-into-the-2018-fight-for-the-senate/?noredirect=on&utm_term=.f59ac6f2ebe5
submitted by Puffin_Fitness to RussiaLago [link] [comments]

16 Apps That Will Earn You Passive Cash Back (Best Passive Saving Apps 2020)

This is the updated 2020 Q1/Q2 version of this post. If you remember reading the previous iteration of this post, there are several changes to the list this time around. Some new additions, and some removals.
Note: Most of these apps will be US only, with a minimum age requirement of 18.
Having said that, let's get right into it.

16 Passive Cash Back Apps 2020

Pei

Ref = fish

Pei is an automatic cash back app. When you sign up, you'll link a debit/credit card and you'll then automatically start earning cash back as you shop at certain Pei merchants (listed just below). There are so many merchants with Pei that you'll likely find yourself accidentally earning cash back on the app, without even knowing it. Pei is an app that you can really just link a card and then check back weeks later and surprise yourself with the money you've earned. Pei deserves the top spot in this post because of how consistent it is, and just how many places you can earn cash back with it. You can cash out instantly as soon as you reach $25 in your account. If you sign up with a referral code, you'll get a $2.50 bonus once you spend at a Pei merchant. You can use the referral code found on the most common Beermoney Sites thread here.

Pros of Pei:

So with all of that being said, let's talk about the stores you can find on Pei. Just note that these are only stores that are local to me, so if I don't have a certain store near me that Pei offers, I won't have it on this list. Additionally, Pei actually offers so many stores at this point that there's no way for me to actually keep this list up to date at all. There have been countless times where I've shopped somewhere that doesn't even come up as an option to earn with Pei but I'll see cash back listed on the app. It's really quite impressive.
In addition to receiving cash back at many locations, Pei also has a 'loyalty bonus' where if you shop at a certain store 5x you'll earn a bonus of up to $100 (but usually way less).
Pei Also just released a new feature called "Party Cash". Basically with Party Cash if you ever go shopping somewhere with your friends who also have Pei, you can start a party, and for each friend you shop with, each person will get a +1% bonus. For example, if I go shopping at Target with 2 other friends and we all start a Party Cash on Pei, we'll each get 1% (for usual cash back) plus 2% cash back from Party Cash, for a total of 3% cash back.
Most stores do have a $5 daily/weekly earning limit, so do be aware that if you spend more than ~$500, you'll likely reach an earning cap.

Dosh (Nonref)

Ref: KJK6

Dosh is one fastest growing cash back apps on this list. Similar to Pei, it's a card linked program where you'll automatically earn cash back when you shop at several local and national brands. On average you'll earn 3-5% cash back when you shop at the brands featured on Dosh. As soon as you hit $25 in your balance, you can cash out to PayPal.
The biggest downfall of Dosh is that the offers in the app change frequently, and the offers are targeted, meaning that not everyone will see the same offers.
Below are some of the current offers for instant cash back that you might find on Dosh. Note that only instant cash back offers found on the app will earn you cash back automatically when you spend with your card.
Dosh also does have a generous referral program where you'll get $5 when you sign up and link a card, and so will the referrer. If you'd like to, you can enter my code, KJK6 or use my referral link (nonref)
BTW, If you've heard of Dosh before, that might make sense. If you use Venmo and have the Venmo debit card, they recently introduced Venmo Rewards, which is powered by Dosh.

HOOCH Rewards (Ref Link)

HOOCH has earned the number 3 spot on this list this time around because of all the programs on this list, it has remained consistent. HOOCH will automatically earn you cash back when you link a credit/debit card whenever you shop at several national brands.
If you understand how Pei or Dosh above works, there's not really much more to say about HOOCH's cash back system.
You'll instantly earn 1% cash back at the following national brands:
  • Uber
  • iTunes
  • Starbucks
  • Domino's
  • Netflix
  • Shake Shack
  • Spotify
  • Audible
  • Redbox
  • Uber Eats
  • Hulu
  • In-N-Out
  • Chipotle
In addition to 1% cash back at the national brands, here are some other ways you'll earn with HOOCH:
  • Connecting your first card ($5 bonus)
  • Drink at a HOOCH Venue (5%)
  • Book a Hotel (5%)
  • Dine at a HOOCH Venue (5%)
  • Refer friends
HOOCH started a long while back as a subscription app where you'll buy a subscription and you'll get a free drink at a HOOCH venue every day. The venues are extremely limited, so a majority of the people reading this won't find any value in that plan. Dining is just as rare.
Their referral system appears to be pretty generous. They're currently offering a $5 bonus for signing up, as well as $1 for the referrer, as well as a 20% bonus on their earnings for life. Here's my referral link, and a nonref link :)
Here's the downfall of HOOCH:
You can only cash out for gift cards, and the minimum is $25.
For most people, this is a really big disadvantage of this app. Assuming that most people will only be earning through the 1% cash back brands, the minimum you'll need to spend in order to his the cash out minimum is $2500, which would likely take most people a really long time, since the brand options are not places where you're likely to spend a lot of money frequently...like, for example, a grocery store.
But still, you could probably earn yourself a few free gift cards every once in a while for a totally passive app.

Bumped (Sign up & join waitlist!)

Bumped is an investing app, when you really boil it down. When you sign up you'll select one brand in each category (there are a lot of categories, you'll see below), and each time you shop at the selected brand, you'll earn the certain specified purchase back in the form of company stock. This is unique to all of the other apps on this list, because you're actually receiving company stock. Also, because of this, I think it's very important to note that in order to sign up for Bumped you'll need to enter your SSN since you will be opening up a brokerage account.
As of posting, the following are the category options that you can choose from:
I've bolded the brands I selected. Obviously you should pick a brand that you can find yourself using the most. Do note that if you pick a brand that you might want to change later, you'll get the opportunity to change your brands 3 times a year, at least 30 days in between.
Category Options
Burgers 3% at Jack in the Box
3% at McDonald's
3% at Wendy's
Coffee 2% at Dunkin' Donuts
2% at Starbucks
Drug Stores 2% at CVS
1% at Walgreens
Family Dining 2% at Applebees
2% at Chili's
2% at Olive Garden
2% at Red Robin
Grocery 1% at Kroger Family of Stores
Home Improvement 1% at The Home Depot
Mexican Food 2% at Chipotle Mexican Grill
2% at Taco Bell
Music Subscriptions 1% at Pandora
5% at Spotify
Pizza 1% at Domino's
5% at Papa John's
2% at Pizza Hut
Ride Sharing 0.5% at Lyft
0.5% at Uber
Superstores 1% at Target
1% at Walmart
Telecommunications 0.5% at AT&T
0.5% at T-Mobile
0.5% at Verizon Wireless
Video Subscriptions 1% at Netflix
5% at Sling TV
Vineyards 1% at Willamette Valley Vineyards
One thing that is listed on the app is that if you want to move your way up on the waitlist you can refer your friends to join the waitlist as well.

Bits

Bits (of stock) is very similar to Bumped. It's better in some ways, but worse in most.
Similar to Bumped, there's a waitlist. Note that Bits is currently only available on iOS, but they have teased a version for Android will be coming.
So, here's the issue with Bits...
There's no brokerage accounts set up.
If you're not sure what that means, basically in order for you to actually own and trade stocks, you'll need to do it through a brokerage account. For example, if you use Robinhood, you own a brokerage account at Robinhood. If you use TD Ameritrade, you'll have a brokerage account at TD Ameritrade. So basically the app will say that you're getting stock back as you spend, but there's no way to actually sell your stock. Basically what I'm saying is that until the brokerage account is added, you're really just receiving play money. Bits has been extremely silent about the release of the brokerage accounts... I asked them back in December and they said they were aiming to release it "next month". Three months have passed since then, so I asked last week and they again said the same thing.. the goal is a release next month (April). We'll just have to wait and see. The point here is -- assume you're not earning anything with Bits until they add the brokerage accounts. This post will be updated once the accounts are added.
So, as for the actual cash back from Bits, you're able to choose 15 brands (that you can change at any time). I'll list the brands you can choose from below. What's interesting is that when the app first launched, all of the brands offered a 2% CB rate (which is unsustainably high). The rates have since come down to 0.5% for all brands.
To save characters, here's a recording of me scrolling through the brands offered. If you don't want to watch that video, just know that there are a lot of brands to choose from.

iBotta

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iBotta is a cash back app that has been around for years, but this is its first time being added to this list. When the app originally launched, you would earn on the app by selecting cash back products that you could purchase and receive a rebate. Once you selected products you wanted to purchase, you would then scan the products after purchasing them to confirm your purchase, and then submit a photo of your receipt.
That doesn't sound too passive, now, does it?
Well, over the last little while, the app has come a very long way. In most cases you no longer need to select rebates you want to purchase, and in most cases you don't even need to scan a receipt, if you're shopping somewhere where you can link a rewards membership.
For example, I shop at Meijer and Target primarily for groceries. Both of these stores allow me to link my accounts with the stores, so for Target any time I shop and spend using a credit card that is linked to my Target account, I'll get cash back automatically. Same thin for Meijer. As soon as I enter my mPerks phone number, I'll get cash back.
What's great is that you don't even have to select offers anymore. So this is one of those cases where you might accidentally get cash back. Also, just to clarify, you're getting cash back for the products you purchase, not the place that you're shopping... which is different than most of the other apps featured on this list.
Even if you don't purchase a product that qualifies for a rebate, you'll probably find yourself earning cash back almost every time you shop because iBotta has several "Any" offers, meaning any time you buy "any" kind of a product, say.. blinker fluid, for example, you'll earn cash back for your blinker fluid purchase regardless of the brand. These offers are optimal for cash back.
I personally went a whole couple months without opening iBotta and I showed up to $50 in cash back from purchases I didn't even know I was getting cash back for.
Another newer feature of the app (which isn't passive) is iBotta Pay. iBotta Pay is basically just a glorified way of purchasing gift cards and receiving cash back for the gift card purchase.
In addition to this cash back, you'll also find several bonuses where if you redeem x offers, you'll get a certain $ boost. For example, I currently have an offer for a $10 bonus if I redeem 14 offers before the bonus expires in just a few days. I've redeemed 2 so far, so I'm not sure if I'll be getting there in time. (BTW, if you're ever cutting it close, just note that iBotta Pay will work where each gift card purchase will qualify for a completed offer ;))
iBotta also does have a generous referral program. They do referral offers very frequently where you can earn bonuses, but the current offer is $4 for each friend you invite. Please consider using the referral link found in the Most Common Beermoney Sites thread.

Uber Visa Local Offers

Shop or dine out, get Uber credits back.
Use your Visa card next time you dine out or go on a shopping spree at a featured store and earn Uber credits toward future rides. To join, go to settings in your Uber app and tap on Visa Local Offers.
Whenever you shop out at certain places you'll instantly receive uber credits to your account. It's really simple, and yes, this does stack with all of the other cash back apps you might be a part of.
The brands they offer do change semi-frequently, so you should check them from time to time.
In the past there have been 100% cash back offers for streaming services, and 10-20% cash back at Sam's Club. Considering that these offers do stack, there is some really great potential if you find any value in uber credit.
If you're interested in activating the Visa local offers, you'll need to make sure you have a visa card linked to your Uber account first, and then you should see "activate local offers" in the app settings or payment settings of Uber.
There's really not much to say about Visa Local Offers, but if you're looking for some FAQ/Terms, feel free to check them all out here.

Cash App "Boosts"

For those if you who don't know what Cash App is, Cash App is an app by Square that lets you send and receive payments. They've also expanded their app to support bitcoin purchases, and they'll also let you use the app as a checking account. With the cash app you can also sign up to receive the Cash Card, which is a debit card that is funded with your cash app balance.
If you have not used Cash App before, they do have a fancy referral program where when you sign up and send $50 you'll receive $5 and so will I. I do want to make this very clear: Cash App referrals can see the full name of the person who refers you, and the person who refers you will have your full name shown to them. If you're really private about personal information, be careful whose referral link you use. If you trust me, here's my referral link.
Please note that if you want to use the cash app boosts that I'm talking about, you'll need to be 18 years old and have the cash card (which is free, don't worry)!
Cash App announced that their cash card will be seeing 'boosts'. Boosts are their fancy way of saying that when you use our card at certain locations you'll receive a discount.
Once you have the cash card, you'll notice on the app below your card you'll be able to select your boost. The following are my personal boost options, as of posting. The boosts change frequently,
  • $5 Off One Order on DoorDash
  • 10% Off One Visit at Any Grocery Store
  • 10% Off One Visit at Dollar Tree
  • 10% Off One Visit at Walgreens
  • 10% Off One Visit at Nike
  • 10% Off One Visit at Walmart
  • $5 Off One Ride at Lyft
  • 10% Off Each Visit at Bath & Body Works
  • 10% Off Each Visit at Playstation Network
  • 10% Off Each Visit at Xbox
  • 10% off Each Visit at Chick-Fil-A
  • 10% Off Each Visit at Taco Bell
  • 10% Off Each Visit at Dominos
  • 10% Off Each Visit at Portillo's.
Boosts tend to change every Friday, but several boosts will remain for a long period of time. The longest lasting boost, which just went away in the last week is the $1 off Any Coffee Shop. It stuck around for almost 2 years, and anyone who had that boost applied would automatically save $1 every time they shop at any coffee shop, without any interaction.
So there are quite a few things I want to say & clear up.
  1. You can use a boost every 1 hour.
  2. You must select the boost that you'd like to use prior to the purchase. You're able to swap which boost you want to use as often as you'd like. So when you walk into Chick-Fil-A, just check and make sure your boost is set to CFA. If not, swap it.
  3. In order to apply the boost, you must pay with the Cash Card. It's automatic. If your total is $6 and you're saving 10%, you'll only need a Cash app balance of $5.4 for the transaction. Cash App will cover the other $0.60.
  4. If you link your Cash Card to Apple Pay, you can pay with it that way and the boosts will still be applied.
Do realize that just because you have the Cash Card on the app, you won't see the boosts. You need to have the physical Cash Card in your possession for the boosts to show up.
I've been really enjoying using the Cash Card for purchases. Especially at CFA & Chipotle. It's really not a hassle. When I'm standing in line at Chipotle I'll open the app and make sure my cash app balance is enough and if not I'll just add funds right away. The boost is applied immediately which makes you feel good. It's like the guac is free at Chipotle after you use the cash card. The only downside to using the Cash Card is that you won't be able to stack discounts with anything else on this list... Unless you find a way to link the Cash Card to any of the things on this list. Regardless, 10% off at Chipotle is the best I have found.

Venmo Rewards

Venmo recently announced Venmo Rewards.
Take what you know about Cash App's boosts and then apply something similar to Venmo's debit card. Venmo Rewards is actually a bit easier than Cash App's boosts because it truly requires no input from you whatsoever. The tradeoff is that the cash back rates are lower. If Cash App's average discount would get you 10% off, Venmo would be about 4%.
So here's how Venmo Rewards works:
Simply use your Venmo card at participating merchants—stores you know and love— to earn rewards. Zero setup required. See list of participating merchants in the app.
  1. Get a Venmo card Learn More
  2. Swipe your card at participating merchants
  3. Automatically earn cashback straight to your Venmo balance. (Seriously. That’s it.)
As mentioned above in the section about Dosh, Venmo Rewards is powered by Dosh, and similar to Dosh, the cash back options are targeted. I personally can't use Venmo so I don't have the current list that most people will be seeing as far as opportunities go, but Venmo Rewards originally launched (in November 2019) with the following CB opportunities:
  • 5% Target
  • 5% Sephora
  • 5% Wendy’s
  • 4% Dunkin’
  • 5% Chevron
  • 4% Sam’s Club
  • 5% Papa John’s
Evan on DoC commented earlier this month with their updated CB opportunities:
Dunkin Donuts 4%, Sephora 5%, Macy’s 4%, JCPenney 5%, Sam’s Club 4%, 1-800-flowers.com 15%, Papa Johns 5%, Forever 21 4%, Frank and Oak 5%)
  • 4% Walmart & Walmart Grocery
  • 4% Dunkin'
  • 5% Sephora
  • 4% Macy's
  • 5% JCPenney
  • 4% Sam's Club
  • 15% 1-800-Flowers.com
  • 5% Papa John's
  • 4% Forever 21
  • 5% Frank and Oak
What I can make from this is that the options have not changed much, and have actually expanded, with a couple exceptions. If you're a Venmo user, I think this is a pretty decent reason to get the debit card. The 4% at Sam's Club and Walmart is a pretty good deal for most people, especially if there are no limits to the cash back you can earn.

Empyr Apps

I've listed this as "Empyr Apps" because all of these apps are basically just the same thing. I'll take the example of Swagbucks Local since that's what most of you reading this will already be using.
If you paid attention in the Visa Local Offers section of this post, you'll find that the Empyr apps are actually very similar to those visa local offers.
When you shop at a certain store/restaurant, you'll earn with the empyr app you have linked. It's actually really not that special.
Here's a list of some/most of the current Empyr powered apps:
IMPORTANT NOTE: You're only allowed to use one Empyr app at a time! As soon as you link up with another Empyr app, you'll be disqualified from another until you link back up.
I do want to go into this list a bit this time around since there seem to be more and more Empyr apps popping up.
Swagbucks Local will always be popular among Swagbucks users. What's really nice about Swagbucks Local is that the payouts are always instantly converted to Swagbucks, which can help you cash out sooner. You'll also likely get a slot in the Swago board filled out, which might be beneficial to you.
RetailMeNot is a newer one on this list and it's the only one here that I feel like I recommend you go on/off with. RetailMeNot has recently been doing a lot of "Spend $X, get $Y" deals at a lot of the stores they offer. For example, they are currently offering $5 Cash back for in Store purchases of $30+ at Staples. This is a really good deal for an Empyr app, and would probably be my pick for that transaction, but not most of the time since they don't have very many stores as options.

Drop (iOS | Android)

Ref = fish

Alright, so Drop has gone through a lot of changes since the last time this post was updated. Drop used to be the best passive cash back app without any debate. It was also one of the first apps to offer a card link cash back program. Over the last several months (and years), their card link program has seen several devaluations. First they removed brands you could pick from to receive cash back (for example, when I first joined, you could choose to earn cash back each time you shopped at Amazon, but new users would later not see Amazon as an option). They later lowered the cash back rate. For example, Target went from 1%, to 0.2%. And finally they limited new users to pick from 5 brands to receive cash back at to just 3.
In February 2020 Drop announced a change to the way their card linked cash back would work..
They since have removed their 'power offers' (the offers where you automatically earn cash back at brands), and have replaced it with card link 'Challenges'. These challenges have just recently launched, so it's hard to tell whether or not these will be passive or worthwhile altogether. I currently have one ongoing challenge where if I spend $10+ at Target with a linked card, I'll get 250 points ($0.25), which is pretty insignificant.
As far as I can tell, they seem to have ditched all other forms of card linked cash back from their app. If the challenges turn out to have nothing passive about them, or have no proof of being worthwhile, Drop will likely not even be on this list the next time around.
So let's talk about some features of Drop since we're on the topic.
Drop has clearly moved away from passive cash back, and has focused more on becoming a cash back app in the form of portal earnings and specific offers. Several of these offers are unique to drop, which is good, but when it comes to portal cash back, the rates are often on par or slightly below the offerings you could find on Cashback Monitor.
Another thing about Drop that people are (rightfully) upset about is the change that now requires you to save up $25 worth of points (25,000) in order to cash out. The minimum previously was just $5.
The only feature about Drop that hasn't been nerfed to the ground is their referral program. When you refer your friends you'll earn $5 once they link a card, and they'll get $5 as well.
Overall I'm not too hopeful that Drop will remain passive at all, so this might be the app's last appearance on this list for the foreseeable future.

Credit Cards

I've refrained from listing credit cards on this post for a long time. Maybe because I thought it was too obvious, or maybe it was unnecessary, but since the number of younger people using this subreddit has been increasing I feel like I'd be doing a disservice to entirely disclude a blurb about credit cards.
If you have a credit card and you don't really care to learn more about credit cards, just skip this section. If you're reading this post and you're 18+ (or if you're about to turn 18) and you don't have a credit card or don't know much about credit cards, I think it's a good idea to look into them. I'm not going to tell you exactly what a credit card is since that's an easy google search, but I will tell you about some benefits, especially about those that pertain to the benefits of this post.
Credit cards are great because you can essentially spend money just like you normally would*, but you'll also earn cash back on all/almost all of the purchases you make with them. Additionally, especially if you're young, getting a credit card is a really great because it will start helping you build credit. I'm currently looking into renting a house next year with two housemates and I'm shocked to see that neither of them have any credit. They quite honestly couldn't possibly live in a house without me, since I'm the only one who has credit.
*Make sure you're paying off your credit card every month (or however often you need)... Don't let yourself get into debt. I'd argue if you think you're going to get into debt with a credit card, I'd personally suggest you don't get a credit card.
While you need to be 18 years old to get your own credit card, if you're under 18, you can still start gaining credit. Most major credit card companies will allow your parents to add you as an authorized signer on their credit card (which basically just means that you'll get permission to use their cards). An effect of this is that you'll start gaining credit. If you're looking to build up credit but you don't think you're ready for a credit card, I'd really recommend you ask your parents about becoming an authorized signer. It's a good conversation to have with your parents.
Anyways, let's talk about the cash back benefits, since that's what this post is about, after all.
There's a lot of credit cards. This post isn't going to list them all out. This isn't really even the right subreddit for credit card discussion.
Nerdwallet has a great list of credit cards, so you might want to check it out here, but I'm going to share my own personal situation and recommend that for anyone who might relate, since the average age on this subreddit is around the 18-25 range.
My first credit card was the Chase Freedom Unlimited card. I actually still use this credit card very frequently since it's a pretty balanced card. A couple years back on my 18th birthday I went into my local chase branch and physically had to beg for this card (it's a really beginner card, trust me). After getting denied both in bank and online, I finally found a rep who would give me a calm $500 credit limit for the card. Note: I had no credit before hand.
The Chase Freedom Unlimited card offers 1.5% cash back on all purchases with the card... so when you think about it, I'd previously been spending $100 at Chipotle every month with my debit card, but with the Freedom Unlimited card, I would now be getting 1.5% cash back ($1.50) back on those purchases. It's just an easy way to save money on everything.
If you use the other apps I suggest in this post, you'll likely earn cash back passively from them on certain brands that are featured, but stacking a credit card cash back on top of all the other bonuses is the absolute best way to earn passive cash back since it's usually 1-5% cash back on your purchases.

ReceiptPal

ReceiptPal is an app that allows you to upload your receipts from almost anywhere that you go shopping. It's actually a really simple process.
When you sign up you'll be presented with almost little scratch cards which contains 4 spaces. Each space is filled with a receipt that you upload. Once you reach 4 receipts, you'll earn 100 points. 300/400 points = $1, so basically every 16 receipts you upload you'll receive ~$1.
"So, mr Fishering, how is this passive!?"
Unlike most receipt apps, ReceiptPal allows you to link your emails and amazon account and they'll automatically upload receipts for you. I actually let this app alone for several months and came back to thousands of points and cashed out instantly.
If you make purchases online, you'll essentially be earning ~$0.07 for every purchase you make if you have your email linked. They'll automatically find receipts and submit them, so it's 100% passive earnings.
If you also shop IRL you can submit physical receipts as well.
You can cash out instantly for $5 minimum in the form of a gift card. I'd recommend saving up at least 7,500 points for a $25 gift card, since it'll value points at 300/$1.

Paribus

Paribus is not your typical cash back site. Once you sign up you can link your different accounts (such as your amazon account) and it will automatically track your shopping. Paribus doesn't directly earn you cash back... it acts more like Walmart's saving catcher if you've ever heard of that. If an item you buy somewhere goes on sale shortly after or if there's any other discounts/promotions you may have missed when you originally bought something, they'll quietly get you a rebate on whatever you purchased. It can be very hit or miss. The catch is that they do take a cut of your savings. I believe it is 30% for all new users, but for each member you refer you can cut the cut by 5%. If you save $10, they'll charge you $3 to whatever card you have linked.
Personally I've found it to be really hit or miss, but I've found some incredible savings. I bought a gopro and I got $15 saved with Paribus, and I also got $50 back from some really nice headphones I picked up on amazon from Amazon. What's weird is I bought the headphones like 6 months prior to the rebate. Was shocking to see it, but I've really had some good luck with Paribus.

Sift (iOS | Android)

After the last post, I noticed a lot of people enjoyed Paribus, so I figured it'd be good to add some alternatives in this post.
So, here's Sift. Sift is a similar site to Paribus, and its key focus is on enforcing credit card benefits that many people don't know about. It's actually pretty nice. It'll let you pick your credit card and it'll tell you pretty much everything about your card. I have the Chase Freedom Unlimited card, and I was actually shocked to hear some of the benefits my card has that I have never been taking advantage of.
From Sift's site:
We automatically comb through your credit card policies to show you all your benefits in one place. For every purchase we let you know what benefits you are eligible for. We streamline the claim process to make it as simple as possible to get your money back.
You can link your emails as well as your amazon account as well and they'll make it really easy for you.
I have not actually used Sift much myself, so I cannot attest to how well it works, but the app store reviews are generally positive for Sift.

Trim Savings

Trim is similar to Paribus and Sift, but there's a certain void that it's trying to fill that the other two don't really seem to be filling.
Trim's main selling point is its bill negotiations. Instead of trying to save you money when a price drops, they're going to try and just nip it right in the bud and try to get your bills lower.
Right now they're mainly trying to negotiate with cell providers, internet providers, and cable providers.
Here's how the process goes:
  • Submit Your Bill: Submit your most recent cell phone, cable or internet bill to get started.
  • Trim Negotiates: Trim negotiates with your provider to get you discounts on your bill.
  • You Save Money: Trim takes 25% of annualized savings, but only on success—otherwise, it's free!
So, similar to Paribus, Trim does charge a fee. In a sense, I guess that's a good thing because it gives them an incentive to make sure to get some sort of bill decrease for you so they'll make some money too. Their rate is currently 25% of your bill negotiation. Of course, if they're not able to negotiate your bill for you, you won't pay them anything.
Trim does also monitor your bank account for you and they'll notify you of account changes (that you can set). For example, if they see a transaction worth $xxx, they'll notify me that I've made a large transaction. If there weren't already so many other sites/apps that could do that, I'd say that's a great feature that Trim offers.

Conclusion

Hopefully there's some new apps/sites you found out about in this post. If you sign up for some/all of these programs listed, you should probably find yourself earning some pretty decent cash back, depending on where/how much you spend. These apps are very satisfying to watch your balances build up on, and after a while it's very rewarding to cash out and treat yourself.
In this update I added some really great additions like iBotta, Venmo Rewards, and Bits, but I am very sad to see the turn that Drop has taken. I have been tipped off to some upcoming passive cash back opportunities that will be coming very soon, and I can't wait to share those and hopefully add them to this list in the near future.
As always if you have any questions please do leave a comment or send me a PM!
Thanks for reading!
  • Follow me on reddit: Fishering
  • Read my other posts!
  • Please send me PMs with any questions you have about anything, or even just PM me if you want someone to talk to.
submitted by Fishering to u/Fishering [link] [comments]

Weekly Update: Parachute Digestive, #UptrenndOC Contest, launch of Defswap, Harmony in India... – 8 Nov - 14 Nov'19

Weekly Update: Parachute Digestive, #UptrenndOC Contest, launch of Defswap, Harmony in India... – 8 Nov - 14 Nov'19
Hiya Parachuters! We are almost there. Just one more update to go after this to get completely upto speed with the latest week. So, here’s your week at Parachute + partners (8 Nov - 14 Nov'19):

Cap published the first Parachute Digestive ever - a biweekly summary of Parachute and ParJar-focused updates. That’s right – 21k users, 512k tips, 20k deposits, 33k withdrawals. Massive! OG Parachuters might have received an email as well. In trivias this week, we had a movie quiz in TTR for 2500 $PAR per Q and another one with a 25k $PAR prize pool. Charlotte’s Math trivia was another fun one with 2500 $PAR in prizes per question. Harry hosted a Netflix and TV show trivia. All your hours spent binging finally came to fruition. Tiproom games has moved to a new channel. This week’s creative contest by Jason involved creating a Christmas-themed promo poster to capture the spirit of Parachute that draws new people in to join. 50k $PAR in store for the winners of #Parichristmas. Yay! LordHades shared the first update of Fantasy Premier League (#FPL) this week. LH is at the top with 696 points followed by NovelCloud with 681 points and Chris (@Loki25) with 672 points.
#Parichristmas entries from A: Alejandro, B: Carlos Alfredo, C: Nat, D: Ali, E: Eva, F: Richi, G: FlareofFlame, H: Emma, I: Marcos, J: Carlos
Jason hosted a writing contest as well: “…write a scary short story, I mean really short. The max amount of words is 20. You need to have a parachute element in it somehow.” 10k $PAR in prizes each for top 3 winners of #donkeysattentionspan. Proud pet owners showed off their awesome pets and shared some of their stories in this week’s #wholesomewed. TTR Dance Contest started this week with prize pool of 15k $PAR for the top 5 winners and another 15k $PAR for participants. Videos would have to be to the rhythm of the TTR theme created by Jose. Super fun! In this week’s update of the Parachute Fantasy Football League (#PFFL), Clinton (8-2), Hang (8-2) and Chris (7-3) are still in top 3 with Chris sliding down to 3rd position. It is a four-way tie for 4th place with Alexis, Nilz, Ken and Andy, all at 6-4. Two-for-Tuesday this week was about bands or song titles named after a place - could be a city, state or country. Gian also unveiled the official logo for Two-for-Tuesday. A masterpiece by Jose:
This is too good, Jose!
aXpire’s article from last week on ResolvBilDigitalShares was published on Hackernoon this week and also got a shoutout from them. Nice! CEO Gary Markham travelled to an AltsMIA event to spread the word on aXpire. He also visited the Blockchain Center in Miami to explore partnership opportunities there. The team will be putting MatchBX on the backburner for the time being and shift all its focus to Resolvr, Bilr, Digital Shares, and PayBX. Click here to read more about the strategy. The latest weekly update video can be seen here. The weekly 20k $AXPR burn went ahead as per schedule. Remember the AMA form shared a few weeks back to collect all community questions? Matt posted detailed responses to them. How will the LegalTech space look in the future and what role could Bilr play in it? Read this article to find out. 2gether Ambassadors are the most active folks from the community who help make the 2gether brand more widespread. Looking good in that list Crypto French! CEO Ramón Ferraz spoke at a Cecabank event on Securities which was covered by the news outlet Expansión. As a special offer, Mike made posting on WednesdayClub dApp free on Wednesday for this week. Hope you didn’t miss the opportunity to post for free and earn some cool $WED in return. Winner of the Birdchain Copywrite Challenge was announced this week. If you are an ETHOS fan, don’t forget to follow Voyager on Twitter for the latest scoop. While the Tron chain support was scheduled to go live on the Switch-backed McAfeeDex this week, technical issues have resulted in delays. As $BOMB token reached 4.38% burn in total supply, Benjamin delved deep into the current market cycle. Take notes, trading enthusiasts!
Benjamin’s analysis videos are always the Bomb. Pardon the pun. Haha
The 3rd edition of Foundations of Fantom analysis report was published by Benjamin. This covers all recent happenings in Fantomverse and $FTM price action. Fantom officially announced its plans to enter the DeFi space. Exciting! The project had sponsored a CryptoBazar Serial Hacking meetup at the Seoul Blockchain Week last month. Here’s Technical Advisor Andre Cronje’s views on the participants at the event. Sikoba Network released the first version of the Isekai framework which was built with support from Fantom. This is a verifiable computation framework which allows you to verify a transaction on a third party computer without the computer having to do the transaction. So even if the third party is not to be trusted, the framework ensures that the verification is valid. Hope this makes sense. If not, read this. Fantom is hosting a blockchain challenge at AfricArena 2019 in partnership with XAR Network. The grand prize includes cash prizes and incubation. The 3 finalists were revealed this week. The latest technical paper from Fantom explores quick peer discovery in Proof-of-Stake protocols for faster consensus. The team will be applying results of the research to Lachesis. The crew will be sitting down for an AMA session with the Trust Wallet community next week. CMO Michael Chen also attended a "deals over dinner" event organised by RVO Internationaal and TNW X (a unit of TheNextWeb) this week in Singapore. In Constellation news, a flash $DAG node bounty for a Ledger Nano integration was scooped up quickly. VP Finance Mateo Gold travelled to the Blockchain Convergence in Europe representing Constellation. Drew Taylor and Brent Bates from Wild West Crypto Show interviewed founders Wyatt Meldman-Floch and Ben Jorgensen at the World Crypto Con 2019 in Las Vegas. As promised, here’s some more pics from Uptrennd’s visit to the Blockchain Summit in Malta: Pic 1, Pic 2 and here’s one with the BOMB/XIO crew. A number of fruitful connections were made at the Summit. Jeff wrote about it in a detailed post. An #UptrenndOC Contest was launched to encourage Original Content writers on the platform. The winners of the Uptrennd Flyer contest were announced too.
Some of the winning entries of #UptrenndFlyer contest
The latest District Weekly and Dev Update from District0x covers news such as introduction of a Discord tipbot, work on Meme Factory NSFW filter etc. WeTrust featured Ethlance in the latest CryptoUnlocked newsletter in their DApp Spotlight section. Check out the pics from Hydro’s visit to the AIBC Summit in Malta. Hydrogen hosts demo days to do product showcases of all their offerings. Click here to see the latest one which will be the last for this year. The beta version of the Hydro Digital Art dApp is about to be released on their dApp Store. In preparation of the event, Hydro Labs posted a thread to explain the objectives of the dApp. For a summary of all the updates in Silent Notary’s Ubikiri wallet, click here. We had covered some of these last week. The Bitcoin News covered the platform in a recent article. Last week, the Sentivate community voted to have more ELI5 content on core web technologies. This week, they voted on Blockfolio to have this content in Video format. For a start, here’s a primer on the core technologies of the web written by the team. Founder Thomas Marchi's interview Mr. Backwards was released. If you missed OST CEO Jason Goldberg's keynote speech "Designing Crypto User Experiences for Humans" at San Francisco Blockchain Week, fret not. Here's the video and write-up of his entire presentation. Pepo has been gaining quite the traction for some weeks now. This was an opportune moment, to publish a detailed piece and tweet thread on it. The app was also reviewed by Crypto Insights Journal. The OST/Pepo crew set up shop at BlockShow in Singapore where Pepo will be launched officially in Asia and Jason will deliver another keynote speech in the same lines as SFBW. Catch up on all SelfKey news that you may have missed in October from the latest roundup. We have covered most of these in our previous updates.
<- Sneak peek into an average day at Parachute / Pitch decks & new landing page being prepared ->
Dirtybags.org is an aggregator site where you can earn $BAGS tokens by sharing linked articles and news items from the cryptospace. Try it out! Arena Match has started a weekly raffle for $AMGO holders where the top 212 holders get automatically entered into a draw to win NFT prizes. Sweet! Check out the prizes of next week’s raffle here. Pynk’s engagement game is always on point. As evident from their merch giveaway activity at the Blockchain Summit in Malta. To get started with the equity fund raise on Seedrs, the team shot a promo video. Do you track Gold prices and want to track $BTC now or vice versa? Their tracking metrics may not be as similar as you thought. Pynk explains why in this article. Shuffle Monster founder Agustín Aguilar launched Defswap which is a Uniswap extension for deflationary tokens hosted in a decentralised manner. Wibson participated in a CryptoMondays event in Buenos Aires hosted by VC firm NXTP and ONG Bitcoin Argentina for networking and discussions on crypto. $WIB community voted for Shopping Gift Cards in a poll to decide the nature of rewards on the Wibson Reward Marketplace. Harmony's #HSMtalks this week focused on Harmony DAO Maker. The $ONE crew travelled to India to talk shop and get a feel of the Indian crypto ecosystem. From Bangalore to Delhi, they covered 2 major startup hubs. As part of #CryptourUkraine, Harmony was invited to a meetup at Dnipro by Okex. Next week they will be at Odessa. Harmony is heavily invested in the future of DeFi and continues to do research and development in this segment. In light of that, they released two articles - one on how Harmony will set its foundation in the DeFi ecosystem and the other on how it will advance the space and its Cross-Fi plans (Cross-Fi = DeFi + Cross-Border txns). Harmony’s staking ROI is already No. 1 as per EarnCryptoInterest.com. What is staking? Watch this. A new Team Challenge launched this week - win $ONE tokens for building local communities. Neat! The latest episode of Harmony Insights introduces us to the engineers building on the platform.

And with that, it’s a wrap. See you again with another update. Cheerio!
submitted by abhijoysarkar to ParachuteToken [link] [comments]

The Federal Reserve's plan with Bitcoin

Chico Crypto from Youtube has been exposing truths behind Bakkt as Bakkt has been reluctant to provide a public custodian address where the funds will be held. A notable name Chico Crypto mentioned was Glenn Hutchins, a Director of the Federal Reserve Bank of New York, former adviser to President Clinton, and one of the biggest drivers behind the Lightning Network. Glenn is also in the Board of Directors at AT&T.
This inspired me to research into what the future may HODL for us.

Glenn Hutchins' connections to Bakkt comes through ICE's partnership with Blockstream. Blockstream is the developer of The Lightning Network. Glenn Hutchins made a speech at Coindesk in 2016 "Why Bitcoin Still Matters"
I was shocked Glenn even spoke publicly on Bitcoin. He addresses the Lightning Network in this speech as fast, cheap, and transformative. The most notable points he made was:
"1. Providing the consumer or enterprise with a very simple technology that doesn't require them to figure out Bitcoin technologies.
  1. Giving consumers or enterprises something that works very quickly at very low cost and will have a massive opportunity in terms of profit pools that are available.
  2. It is really important for this industry to embrace regulation for two reasons:
Glenn also claims to own a lot of bitcoin.


Moving onto Bakkt, the following is a breakdown of their investors: Boston Consulting Group, Horizons Ventures Limited, Microsoft, and Naspers

The current CEO of Boston Consulting Group is Rich Lesser. In December 2016, Lesser joined a business forum assembled by then president-elect Donald Trump to provide strategic and policy advice on economic issues.

Horizons Ventures Limited includes early investors in Google Deep Mind, Dollar Shave Club, and Siri

Microsoft has been developing blockchain solutions through Azure. Microsoft is a member of the Ethereum Enterprise Alliance and also chairs the Token Taxonomy Initiative that created the token framework. Microsoft and Enjin have collaborated in a local pilot to create a blockchain based recognition programme on the Ethereum public blockchain.

Pantera Capital - investments include Bakkt, Bitstamp, Brave, Ripple, Shapeshift, Zcash, 0x Protocol, Enigma, Kyber, OmiseGo, etc.

Naspers - owner of PayU and largest owner of Tencent Holdings Limited, the parent company of WeChat

ICE (Intercontinental Exchange) - CEO is Jeffrey Sprecher, husband of Bakkt CEO - Jeffrey Sprecher is the chairman of the New York Stock Exchange

Kelly Loeffler is the CEO of Bakkt - new Republican Senator of Georgia 2019, been seeking the Republican nomination since 2014 US Senate election in Georgia.

Johnnny Isakson preceded Kelly Loeffler as the Georgia Senator for 15 years. Johnny Isakson's political stance about the Environment, Healthcare, and Immigration is as follows:
In a series of roll call votes attached to debate about the Keystone Pipeline on January 21, 2015, he voted against Amendment 87 by Senator John Hoeven that climate change is real and human activity contributes to climate change, and against Amendment 58 by Senator Brian Schatz, that human activity "significantly" contributes to climate change. In 2015, he voted against the Obama administration's Clean Power Plan.
Isakson voted against the Patient Protection and Affordable Care Act, and has since voted over 60 times in favor of ending it.
Isakson favors tougher border security to address the immigration issue. In 2019, he voted to support President Trump's national emergency declaration.


Trump's public views on Bitcoin are also commonly known from his tweets "I am not a fan of Bitcoin and other Cryptocurrencies, which are not money, and whose value is highly volatile and based on thin air. Unregulated Crypto Assets can facilitate unlawful behavior, including drug trade and other illegal activity... We have only one real currency in the USA, and it is stronger than ever, both dependable and reliable. It is by far the most dominant currency anywhere in the World, and it will always stay that way. It is called the United States Dollar! "


My key takeaways, thoughts, and questions are as follows:
1) Bakkt will introduce regulated retail payment solution for cryptocurrency. They will advertise that you can spend your cryptocurrency at Starbucks however they will conduct this to collect Bitcoin on a large scale. This will be facilitated by a closed system where you will not be able to use your cryptocurrency outside the Bakkt system.
2) The main driver behind The Lightning Network is an advocate for KYC. If no KYC can you not participate in The LN?
3) Why is there such a strong connection between Bitcoin, the Republican party, and the Trump administration?
4) Why is the largest investor in WeChat investing in Bakkt?

Please let me know your thoughts below and whether you have more information you can add to this, especially Naspers' involvement. As I was about to post this I alsojust found a post that was dismissed from 1 year ago describing just this, and it's happening.
submitted by MagicCarpetHerbs to Bitcoin [link] [comments]

MeWe: A trip report

Among the more frequently mentioned G+ alternatives at the Google+ Mass Migration community, and others, is MeWe with over 250 mentions. The site bills itself as "The Next-Gen Social Network" and the "anti-Facebook": "No Ads, No Political Bias, No Spyware. NO BS. It is headed by professed Libertarian CEO Mark Weinstein.
As the site reveals no public user-generated content to non-members, it's necessary to create an account in order to get a full impression. I thought I'd provide an overview based on recent explorations.
This report leads of with background on the company, though readers may find the report and analysis of specific groups on the site of interest.

Leadership

Founder & CEO Mark Weinstein.
Co-Founder & Chief Scientist, Jonathan Wolfe (no longer with company).
Weinstein previously founded SuperFamily and SuperFriends, "at the turn of the millennium". Weinstein's MeWe biography lists articles published by The Mirror (UK), Huffington Post, USA Today, InfoSecurity Magazine, Dark Reading, and the Nation. His media appearances include MarketWatch, PBS, Fox News, and CNN. He's also the author of several personal-success books.
His Crunchbase bio is a repeat of the MeWe content.

Advisory Board

Ownership & Investment

MeWe is the dba of Sgrouples, a private for-profit early-stage venture company based in Los Angeles, though with a Mountain View HQ and mailing address, 11-50 employees, with $10m in funding over five rounds, and a $20m valuation as of 2016.
Sgrouples, Inc., dba MeWe Trust & Safety - Legal Policy c/o Fenwick West 801 California Street Mountain View, CA 94041
Crunchbase Profile.
Founded: 2012 (source)
Secured $1.2M in seed funding in 2014.
2016 valuation: $20m (source]
Backers:
Despite the business address, the company claims to be based in Los Angeles County, California and is described by the Los Angeles Business Journal as a Culver City, CA, company.

Business

Policy

In an August 6, 2018 Twitter post, Weinstein promotes MeWe writing:
Do you have friends still on Facebook? Share this link with them about Facebook wanting their banking information - tell them to move to MeWe now! No Ads. No Spyware. No Political Agenda. No Bias Algorithms. No Shadow Banning. No Facial Recognition.
MeWe provide several policy-related links on the site:
Highlights of these follow.

Privacy

The privacy policy addresses:

Terms of Service

The ToS addresses:
Effective: November 6, 2018.

FAQ

The FAQ addresses:

Values

This emphasises that people are social cratures and private people by right. The service offers the power of self expression under an umbrella of safety. It notes that our innermost thoughts require privacy.
Under "We aspire...":
MeWe is here to empower and enrich your world. We challenge the status quo by making privacy, respect, and safety the foundations of an innovatively designed, easy-to-use social experience.
Totalling 182 words.

Privacy Bill of Rights

A ten-item statement of principles (possibly inspired by another document, it might appear):
  1. You own your personal information & content. It is explicitly not ours.
  2. You will never receive a targeted advertisement or 3rd party content based on what you do or say online. We think that's creepy.
  3. You see every post in timeline order from your friends, family & groups. We do not manipulate, filter, or change the order of your content or what you see.
  4. Permissions & privacy are your rights. You control them.
  5. You control who can access your content.
  6. You control what, if anything, others can see in member searches.
  7. Your privacy means we do not share your personal information with anyone.
  8. Your emojis are for you and your friends. We do not monitor or mine your data.
  9. Your face is your business. We do not use facial recognition technology.
  10. You have the right to delete your account and take your content with you at any time.

Press

There are a few mentions of MeWe in the press, some listed on the company's website, others via web search.

Self-reported articles

The following articles are linked directly from MeWe's Press page:
The page also lists a "Privacy Revolution Required Reading" list of 20 articles all addressing Facebook privacy gaffes in the mainstream press (Wired, TechCrunch, Fortune, Gizmodo, The Guardian, etc.).
There are further self-reported mentions in several of the company's PR releases over the years.

Other mentions

A DuckDuckGo search produces several other press mentions, including:

Technology

This section is a basic rundown of the user-visible site technology.

Mobile Web

The site is not natively accessible from a mobile Web browser as it is overlayed with a promotion for the mobile application instead. Selecting "Desktop View" in most mobile browsers should allow browser-based access.

Mobile App

There are both Android and iOS apps for MeWe. I've used neither of these, though the App store entries note:
Crunchbase cites 209,220 mobile downloads over the past 30 days (via Apptopia), an 80.78% monthly growth rate, from Google Play.

Desktop Web

Either selecting "View Desktop" or navigating with a Desktop browser to https://www.mewe.com your are presented with a registration screen, with the "About", "Privacy Bill of Rights", "MeWe Challenge", and a language selector across the top of the page. Information requested are first and last name, phone or email, and a password. Pseudonymous identities are permitted, though this isn't noted on the login screen. Returning members can use the "Member Log In" button.
The uMatrix Firefox extension reveals no third-party content: all page elements are served from mewe.com, img.mewe.com, cdn.mewe.com, or ws.mewe.com. (In subsequent browsing, you may find third-party plugins from, for example, YouTube, for videos, or Giphy, for animated GIFs.)
The web front-end is nginx. The site uses SSL v3, issued by DigiCert Inc. to Sgrouples, Inc.

Onboarding

The onboarding experience is stark. There is no default content presented. A set of unidentified icons spans the top of the screen, these turn out to be Home, Chats, Groups, Pages, and Events. New users have to, somehow, find groups or people to connect with, and there's little guidance as to how to do this.

Interface

Generally there is a three panel view, with left- and right-hand sidebars of largely navigational or status information, and a central panel with main content. There are also pop-up elements for chats, an omnipresent feature of the site.
Controls display labels on some devices and/or resolutions. Controls do not provide tooltips for navigational aid.

Features

Among the touted features of MeWe are:

Community

A key aspect of any social network is its community. Some of the available or ascertained information on this follows.

Size

Weinstein claims a "million+ following inside MeWe.com" on Twitter.
The largest visible groups appear to have a maximum of around 15,000 members , for "Awesome gifs". "Clean Comedy" rates 13,350, and the largest open political groups, 11,000+ members.
This compares to Google+ which has a staggering, though Android-registrations-inflated 3.3 billion profiles, and 7.9 million communities, though the largest of these come in at under 10 million members. It's likely that MeWe's membership is on the whole more more active than Google+'s, where generally-visible posting activity was limited to just over 9% of all profiles, and the active user base was well under 1% of the total nominal population.

Active Users

MeWe do not publish active users (e.g., MUA / monthly active users) statistics.

Groups

MeWe is principally a group-oriented discussion site -- interactions take place either between individuals or within group contexts. Virtually all discovery is group-oriented. The selection and dynamics of groups on the site will likely strongly affect user experience, so exploring the available groups and their characteristics is of interest.
"MeWe has over 60,000 open groups" according to its FAQ.
The Open groups -- visible to any registered MeWe user, though not to the general public Web -- are browsable, though sections and topics must be expanded to view the contents: an overview isn't immediately accessible. We provide a taste here.
A selection of ten featured topics spans the top of the browser. As I view these, they are:
Specific groups may appear in multiple categories.
The top Groups within these topics have, variously, 15,482, 7,738, 15,482 (dupe), 7,745, 8,223, 8,220, 1,713, 9,527, 2,716, and 1,516 members. Listings scroll at length -- the Music topic has 234 Groups, ranging in size from 5 to 5,738 members, with a median of 59, mean of 311.4, and a 90%ile of 743.5.
Below this is a grid of topics, 122 in all, ranging from Activism to Wellness, and including among them. A selected sample of these topics, with top groups listed members in (parens), follows:
To be clear: whilst I've not included every topic, I've sampled a majority of them above, and listed not an arbitrary selection, but the top few Groups under each topic.

Google+ Groups

The Google Plus expats group seems the most active of these by far.

Political Groups

It's curious that MeWe make a specific point in their FAQ that:
At MeWe we have absolutely no political agenda and we have a very straightforward Terms of Service. MeWe is for all law-abiding people everywhere in the world, regardless of political, ethnic, religious, sexual, and other preferences.
There are 403 political groups on MeWe. I won't list them all here, but the first 100 or so give a pretty clear idea of flavour. Again, membership is in (parentheses). Note that half the total political Groups memberships are in the first 21 groups listed here, the first 6 are 25% of the total.
  1. Donald J. Trump 2016 - Present (11486)
  2. The Conservative's Hangout (8345)
  3. Qanon Follow The White Rabbit (5600)
  4. Drain The Swamp (4978)
  5. Libertarians (4528)
  6. United We Stand Trump2020 (4216)
  7. The Right To Self Defense (3757)
  8. Alternative Media (3711)
  9. Hardcore Conservative Patriots for Trump (3192)
  10. Bastket Of Deplorables4Trump! (3032)
  11. Return of the Republic (2509)
  12. Infowars Chat Room Unofficial (2159)
  13. Donald Trump Our President 2017-2025 (2033)
  14. Berners for Progress (1963)
  15. Sean Hannity Fans (1901)
  16. The American Conservative (1839)
  17. I Am The NRA (1704)
  18. Tucker Carlson Fox News (1645)
  19. We Love Donald Trump (1611)
  20. MAGA - Make America Great Again (1512)
  21. Q (1396)
  22. ClashDaily.com (1384)
  23. news from the front (1337)
  24. Basket of Deplorables (1317)
  25. Payton's Park Bench (1283)
  26. Convention of States (1282)
  27. Britons For Brexit (1186)
  28. MoJo 5.0 Radio (1180)
  29. MeWe Free Press (1119)
  30. The Constitutionally Elite (1110)
  31. Libertarian (1097)
  32. WOMEN FOR PRESIDENT TRUMP (1032)
  33. AMERICANS AGAINST ISIS and OTHER ENEMIES (943)
  34. #WalkAway Campaign (894)
  35. ALEX JONES (877)
  36. The Lion Is Awake ! (854)
  37. We Support Donald Trump! (810)
  38. The Stratosphere Lounge (789)
  39. TRUMP-USA-HANDS OFF OUR PRESIDENT (767)
  40. Official Tea Party USA (749)
  41. Mojo50 Jackholes (739)
  42. Yes Scotland (697)
  43. "WE THE DEPLORABLE" - MOVE ON SNOWFLAKE! (688)
  44. Judge Jeanine Pirro Fans (671)
  45. Anarcho-Capitalism (658)
  46. Ted Cruz for President (650)
  47. No Lapdog Media (647)
  48. Q Chatter (647)
  49. Daily Brexit (636)
  50. Tucker Carlson Fox News (601)
  51. The Trumps Storm Group (600)
  52. QAnon-Patriots WWG1WGA (598)
  53. 100% American (569)
  54. Ladies For Donald Trump (566)
  55. Deep State (560)
  56. In the Name of Liberty (557)
  57. Material Planet (555)
  58. WikiUnderground (555)
  59. Trump NRA Free Speech Patriots on MeWe Gab.ai etc (546)
  60. Magna Carta Group (520)
  61. Constitutional Conservatives (506)
  62. Question Everything (503)
  63. Conspiracy Research (500)
  64. Bill O'Reilly Fans (481)
  65. Conservative Misfit's (479)
  66. Canadian politics (478)
  67. Anarchism (464)
  68. HARDCORE DEPLORABLES (454)
  69. Deplorable (450)
  70. Tampa Bay Trump Club (445)
  71. UK Politics (430)
  72. Bongino Fan Page (429)
  73. Radical Conservatives (429)
  74. RESIST THE RESISTANCE (419)
  75. The Deplorables (409)
  76. America's Freedom Fighters (401)
  77. Politically Incorrect & Proud (399)
  78. CONSERVATIVES FOR AMERICA ! (385)
  79. Political satire (383)
  80. RISE OF THE RIGHT (371)
  81. UK Sovereignty,Independence,Democracy -Everlasting (366)
  82. The Patriots Voting Coalition (359)
  83. End The Insanity (349)
  84. Coming American Civil War! (345)
  85. Constitutional Conservatives (343)
  86. United Nations Watch (342)
  87. A Revival Of The Critical Thinking Union (337)
  88. The New Libertarian (335)
  89. Libertarian Party (official ) (333)
  90. DDS United (Duterte Die-hard Supporters) (332)
  91. American Conservative Veterans (331)
  92. Anarchism/Agorism/Voluntaryism (328)
  93. America Needs Donald Trump (326)
  94. The UKIP Debating Society (321)
  95. Coalition For Trump (310)
  96. Egalitarianism (306)
  97. FRIENDS THAT LIKE JILL STEIN AND THE GREEN PARTY (292)
  98. 2nd Amendment (287)
  99. Never Forget #SethRich (286)
  100. Green Party Supporters 2020 (283)
It seems there is relatively little representation from the left wing, or even the centre, of the political spectrum. A case-insensitive match for "liberal" turns up:
Mainstream political parties are little represented, though again, the balance seems skewed searching on "(democrat|republic|gop)":
The terms "left" and "right" provide a few matches, not all strictly political-axis aligned:
Socialism and Communism also warrant a few mentions:
And there are some references to green, laboulabor parties:

Conclusion

Whilst there may not be a political agenda, there does appear to be at least a slight political bias to the site. And a distinctive skew on many other topical subjects.
Those seeking new homes online may wish to take this into account.

Updates

submitted by dredmorbius to plexodus [link] [comments]

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Eclipse Attacks on Bitcoin’s Peer-to-Peer Network (USENIX 2015)

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