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About money for my beer


Money for my beer is a free compilation of people’s stories and legit money-making online.


We research day and night to cover only legit and paying online resources/innovations. Let’s spread love and earn money for beer.


If you like us to cover a topic please email us using the contact us form.


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Cheers! Hope we can have a drink someday.





  • Updated january 20, 2021



Get Paid to Sign Up for Websites


Everyone needs quick cash once in a while. Thankfully, all businesses want more customers — and they’re often willing to pay to acquire them.


That’s why many apps and services offer cash bonuses for signing up, even if signing up is free; companies hope you’ll find their service valuable and stick around.


Most of the time, however, you’re under no obligation to do so — your bonus is yours to keep regardless of whether you become a regular user.


I’ve put together a list of the top bonuses businesses are offering right now.


Give a few of these apps and services a try. It’s not steady income, but it sure can help if you need money today.


Credit card, banking and investment account bonuses


Financial institutions are known for offering some of the most generous sign-up bonuses around. Here are our top seven favorites.


#1. Sofi money


What you get: $50 in cash, $25 in crypto, and a free stock worth up to $1,000.


When you download the new sofi money app, you get $50 for opening a new account and depositing a minimum of $500.


Sofi has some unique features that make it a solid long-term banking option.



  • No account fees, ATM fees or overdraft fees.

  • Cash-back rewards on debit card purchases.



Beyond the $50 bonus for making a deposit, sofi money also has two more earning opportunities inside the app:



  • Get $25 in cryptocurrency when you make a $10 deposit into your account.

  • Get a free stock, valued up to $1,000, when you deposit a minimum of $10 into sofi invest.



Both options are available right inside the app itself. On my end, it took less than 60 seconds to complete each of them.


When I tested this offer, both the free stock and the $25 in crypto were available immediately upon transfer.


#2. Aspiration bank


What you get: $50 in cash.


Dozens of banks offer great sign-up bonuses, but many require a large initial deposit (often $10,000+).


One bank that offers a large bonus ($50) with little effort is aspiration.


Here’s how to earn the $50 bonus:



  1. Use this exclusive link to sign up.

  2. Open your account, making sure to deposit at least $250.

  3. Wait for the initial deposit to hit your account, which often takes 2-3 business days.

  4. Spend at least $250 on your aspiration debit card within 60 days.



As far as banks go, aspiration’s unique business model makes it a bank worth sticking with.


The company prides itself on being a socially-conscious bank that puts customers first and doesn’t fund projects that negatively impact the environment.


Some of the unique features of aspiration include:



  • Earn up to 10% cash-back on your debit card purchases.

  • Unlimited fee-free withdrawals at allpoint atms.

  • You choose the monthly fee on your account (which can be $0).



#3. Webull


What you get: one free share of stock (up to $1,600 value).


Webull is a free online investment platform that gives users access to zero-commission stock trades as well as a bevy of advanced research and technical tools.


New users can claim a free share of stock worth up to $1,600. Just click our link to sign up and then make a single deposit of at least $100 into your investment account within 30 days.


Requirements: none — you can sell your share and cash-out any time you wish with no fees or penalties.


Payment method: ACH transfer to your bank account.



  • There’s no obligation to use the platform or keep your funds in your account.

  • Offers a ton of useful features if you’re interested in online trading.




  • Webull offers tempting, but potentially dangerous, investment products, such as margin accounts and short selling.

  • The user interface has so many features it can be overwhelming for new investors.



Tips: read our in-depth webull review to learn more about everything the platform has to offer.


#4. Credit card companies


What you get: bonuses up to $500.


Credit card companies offer some of the top bonuses in the financial space. Bonuses can be as much as $500 for signing up and meeting the minimum spending requirement.


That said, it’s important not to fool yourself here. If you haven’t been able to use credit cards wisely as of today, you’re best skipping over these offers. After all, the goal is to make money, not spend it on interest.


Requirements: most credit card companies require you to spend a certain amount of money before earning the bonus. For the best offers, you’ll also need an above average credit score.


Payment method: sign-up bonuses come in many different forms. Most common is a statement credit.



  • The highest earning potential of any option on this list.

  • Used wisely, credit cards can help you improve your credit score, which can result in significant savings over time.




  • If you don’t use credit responsibly, you could end up costing yourself money in the long run.



#5. Acorns (with swagbucks hack)


What you get: $10 in cash from acorns + $20 from swagbucks.


Acorns is one of the most popular investing apps, with over 630,000 reviews on the app store.


Currently, acorns offers new users a $10 sign-up bonus for linking a bank account.


But aside from that generous $10 sign-up bonus, its best feature is that you can invest spare change automatically. So, if you spend $4.25 at starbucks, acorns will set aside 75 cents to invest (the deposit is made once your spare change reaches $5).


But don’t head over to acorns just yet.


Once signed up, do a search for acorns in the search bar. You’ll find an offer for 2,000 “swagbucks” (which is what the site calls its rewards points) for signing up through their site. See the photo below.


Valued at 1 cent each, this is a nice trick for earning an extra $20 for a minute or two of your time. You can cash-out your swagbucks for a paypal gift card after seven days.


If acorns isn’t for you, make sure to cancel your account, as there is a monthly fee (starting at $1).


Requirements: search through swagbucks. Then, link your bank account to receive $10 from acorns.


Payment method: ACH transfer to your bank account from acorns. Use your swagbucks points to purchase a paypal gift card.



  • Acorns’ spare change feature can help you build your investment account.




  • A fee of $1 per month (and up to $3) is charged for keeping your acorns account open, which can eat up your investment returns if your account balance is small.



Tips: next time you shop online, use swagbucks shop to get an additional 10,000 swagbucks (valued at $10).


#6. Stash (with swagbucks hack)


What you get: $5 in cash from stash + $30 from swagbucks.


Stash is an investment app designed for people who are new to the stock market, or who only have a little bit of money at a time to invest.


All trades are free on the platform, and the app makes it easy to invest in fractional shares — so you can put $1 or $2 in a company like amazon or google, even if you don’t have the funds to buy a full share.


Right now, swagbucks is offering an outstanding promotion for new stash users.


When you sign up via your swagbucks account, you’ll earn 3,000 sbs ($30). When you invest $5 of your own funds on the platform, stash will give you another $5 in cash.


Requirements: search for stash through swagbucks. Note that to find the offer, you’ll need to select “shop” from the drop-down menu next to the search bar. After you sign up, deposit $5 on stash.


Payment method: stash adds the $5 bonus to your account. Use your swagbucks points to purchase a paypal gift card.



  • Stash also functions as an online bank account, and they’ll send you a debit card that you can use to access your funds. When you swipe your card at select retailers, you’ll earn fractional shares of stock — like cash-back, the program is aptly named “stock back.”




  • A fee of $1 per month (and up to $9) is charged for keeping your stash account open, which can eat up your investment returns if your account balance is small.



Tips: you have to remain a stash member for 32 days to get your sbs, so if you think you’re going to cancel, wait at least that long.


#7. Robinhood


What you get: one free share of stock (valued up to $200).


Robinhood is an online investment platform that offers free stock trading. There are no costs or fees to sign up and use the service, nor are they any account or investment minimums.


To get your free share, just sign up and get approved for a new robinhood account. From there, you’re required to hold the stock for at least three trading days before you can sell it and cash out.


The value of your stock is random, with the majority of users reporting a stock valued at around $10 or so. At the same time, it’s not unheard of to hit the jackpot and get a stock that’s valued at over $100.



  • Robinhood doesn’t charge an account fee.

  • A lucky few people get stocks worth over $100.




  • Must wait three days before selling your share.



Tips: once your robinhood account is approved, sign up for their referral program. For every person who signs up, you’ll each get a free share of stock.


More options: here’s a complete list of sites that will give you free stock for signing up.


Survey sites that offer bonuses


Survey sites are a popular way to earn extra income from home.


Most sites offer a small sign-up bonus. However, one downside is that many sites have a minimum withdrawal amount. That means you might not actually have access to your bonus unless you continue using the service.


That’s why the best sites are the ones that give you the ability to earn money in a variety of different ways. This allows you to hit the minimum cash-out threshold much more quickly than by only completing surveys.


Here are the top sites to consider.


#8. Swagbucks


Promo bonus: $10


Swagbucks is one of the most respected companies in the online survey industry, with nearly $500 million paid out in rewards.


In addition to surveys, you can earn money by playing games, watching videos, shopping (both online and in-store) and completing an array of other tasks.


Cash-back shopping is typically the best way to make money with swagbucks. Just remember to only spend money on what you were going to buy anyway.


They also have a large inventory of surveys to complete, which are updated daily.


Requirements:



  • To qualify for the $10 bonus, you have to use this link and spend $25 via the shopping portal within the first 30 days of membership.

  • You can also get a $5 bonus if you sign up with this link and earn 2,500 sbs within the first 60 days of membership — a better option if you don’t do much online shopping.



Payment method: redeem your points for gift cards, including paypal cash and prepaid visa cards.



  • Solid $10 sign-up bonus, which is high among survey sites.

  • No minimum withdrawal amount.

  • Multiple ways to earn.




  • You won’t qualify for every survey you attempt.



Tips: check out our in-depth swagbucks review to learn more about how the platform works, and read through our list of the best swagbucks hacks.


#9. Mypoints


Promo bonus: $10


Mypoints is another top money making app. Interestingly, it’s owned by swagbucks.


You can make money on mypoints by completing surveys, watching ads and even printing coupons (you’re paid around 1 cent for printing the coupon, and then around 25 cents for using it).


So, you can save money on your grocery bill plus earn a few bucks for using the coupons.


Requirements: must sign up using the link above, then complete five surveys to earn the bonus.


Payment method: earn cash through paypal, or exchange your points for gift cards and/or travel miles.



  • Low minimum payout of around $3, depending on the rewards option you choose.

  • Offers a variety of ways to earn, including surveys, videos and searching the web.




  • Some earning methods are dramatically better than others. For example, watching videos tends to pay pennies per hour.



Tips: it’s worth checking for high-paying surveys, but your focus should be on using the paid coupons (which you can stack with other apps, like ibotta).


Also, read through our mypoints review to learn more about how the site works.


#10. Inboxdollars


Promo bonus: $5


Inboxdollars has paid out over $59 million so far, and has a 4.1/5 rating from 96,000+ reviews on the app store.


For new users, inboxdollars offers a $5 welcome bonus.



  1. Sign up for inboxdollars.

  2. Click the activation link in your email.

  3. $5 will be deposited into your inboxdollars account.



You need to accumulate a minimum of $30 in your account before you can request payment.


Another unique feature of inboxdollars is “search and earn,” which allows you to earn money by searching the web. How it works is you make inboxdollars your default search engine. Then, just search the web as you normally would.


It’s admittedly a small source of funds (the amount you can earn each day is limited), but it’s still a legit way to generate passive income with your smartphone.


Requirements: must earn $30 before being paid.


Payment method: gift cards (including visa), or a paper check.



  • Sign-up bonus is earned after clicking the activation link in your email.

  • Offers a variety of ways to earn, including surveys, sweepstakes, reading emails and more.




  • Doesn’t pay through paypal (but you do have the option to choose a visa gift card).

  • Payments take 10 to 16 days to process.



Tips: see our complete inboxdollars review to learn how to best use the site.


Cash-back sites and apps with a bonus


Cash-back sites and coupon apps are two fast-growing markets, and companies in these spaces are competing aggressively for new customers. As a result, many offer lucrative sign-up and referral bonuses.


Here are the top three sites to get started on.


#11. Ibotta


Ibotta is one of the top coupon apps for both iphone and android. It started as a grocery coupon app. You’d take a picture of your receipt and scan the product barcode to earn money. However, the service is quickly expanding beyond grocery stores, and now offers both retail and online cash-back.


To get the $20 bonus, sign up through this link. Then, redeem your first rebate within seven days of registration.


Since you’re likely buying groceries anyway, this is a great app to get started with.


Requirements: accumulate $20 in your account.


Payment method: paypal, venmo or gift cards.



  • Paid instantly through paypal or venmo as soon as your balance hits $20.




  • The window for earning the bonus is just seven days.



Tips: for more tips, check out our ibotta review.


#12. Rakuten


Rakuten is one of the top cash-back sites and a reader favorite.


To get the $10 bonus, sign up through this link with your email address. Then, make a $25 online purchase (which can be from any of their hundreds of partnered stores) within 90 days.


Rakuten also has one of the most generous referral programs around. You’ll earn a $25 bonus for referring just one friend (this could be your spouse, sibling or parent). Since you’ll both save, it’s an easy win for each of you.


Requirements: make a $25 purchase through rakuten within 90 days.


Payment method: paypal cash or a paper check.



  • Rakuten is known for consistently offering some of the highest cash-back rates for online shopping.

  • A very generous referral program that pays $25 per person.




  • If you’re not referring friends, you’ll have to spend money to make money.

  • Rakuten pays quarterly, so you’ll have to wait to get your earnings.



Tips: read our rakuten review to learn how to make the most of your time on the site.


#13. Befrugal


Befrugal is very similar to rakuten. Using the service, you can earn up to 40% cash-back from 4,000+ stores. Along with offering a $10 sign-up bonus, there’s a generous $15 referral bonus.


Requirements: the minimum cash-out amount varies depending on payment method.


Payment method: paypal, gift cards and direct deposit.



  • Quicker and more frequent payouts than rakuten.

  • May offer high cash-back rates in some categories.

  • Generous referral program.




  • Have to spend money to make money (when not referring friends).



Tips: check out our befrugal review for more tips on earning.



Taking advantage of the offers on this list is a great way to make personal finance fun. After all, there’s nothing quite like the feeling of getting free money — especially when you’re on a tight budget.


But it should go without saying that you’ll never pay your rent with these types of deals. Well, unless you get lucky and hit that $1,600 webull jackpot, that is…


At the same time, I think they’re valuable because they can help you build your money-making muscle.


It can be hard to make progress on your financial goals when you’re struggling just to make ends meet, and it can feel like there aren’t any good options for improving your situation.


But the reality is that today, there are more ways to make and save money than at any time in history. You just have to know how to leverage them. And sometimes, getting started is the hardest part.


That’s where offers like these come in: they’re small wins that can take some budget stress off of your shoulders or boost your spirits with a little extra spending money, which can in turn help you focus on the next step in your financial journey.



Используя платежную систему perfect money вы можете:


Для пополнения счета вам необходимо отправить банковский перевод (SWIFT / IBAN) с вашего счета в банке или принять платеж от 3 стороны, например, от вашего бизнес-партнера. Предоставляя своим партнерам данные вашего счета в perfect money, вы получаете возможность принимать банковские переводы, даже если у вас нет счета в банке.


Наши тарифы действительно очень низки.


Выбирая данную опцию вы покупаете e-voucher с кодом активации в интернете, и пополняете свой счет вводя этот код в специальную форму. Так, например, вы можете купить e- voucher за валюту western union у одного из многочисленных обменных пунктов или на интернет-аукционе.


Вводите средства напрямую из других платежных систем. Все платежи с помощью электронных валют зачисляются на счет моментально.


Сертифицированные обменные сервисы - партнеры


Электронную валюту perfect money можно приобрести за другую е-валюту, системы western union, money gram или за наличные. Ввести средства с помощью обменных сервисов – партнеров.


Вы можете выводить валюту perfect money посредством банковского перевода на ваш онлайн счет в банке, или на счет 3 стороны. Если ваши бизнес партнеры или сервис принимает только банковские переводы, вы также можете вывести perfect money с помощью банковского платежа в качестве оплаты за товар или услугу.


Наши тарифы действительно очень низки.


Создайте свой личный сертификат e-voucher perfect money. Это великолепная идея давать коды e-voucher-ов своим членам семьи или использовать их как бонусы. Также вы можете продать свой e-voucher за наличные.


У вас возможность выводить свои средства с аканта в perfect money на счет в другой электронной системе.


Мы предоставляем клиентам возможность покупать препейд карты в интернете не выходя из своего аккаунта в perfect money account. Например, вы можете купить "предоплаченную карту visa" для безопасного и надежного шоппинга в интернете.


Сертифицированные обменные сервисы - партнеры

валюту perfect money можно приобрести с помощью систем western union, money gram. Также вы можете обменять perfect money на любую другую электронную валюту или обналичить их в своем городе.


Вывести средства с помощью сертифицированных обменных сервисов – партнеров.


Bitcoin

вывести средства на ваш кошелек bitcoin. Perfect money позволяет клиентам выводить средства со счетов perfect money B на любой кошелек bitcoin. Все переводы обрабатываются в автоматическом режиме.


Задумывались ли вы о том, что вы можете покупать виртуальные карты perfect money за вашу электронную валюту в интернете, а потом конвертировать ее в валюту perfect money? Платежная система perfect money предоставляет вам такую возможность и делает это реальностью!


Виртуальная препейд карта perfect money с кодом активации, называемая e-voucher, всегда может быть создана любым пользователем perfect money.


E-voucher – это специальный код, который вы можете использовать для пополнения любого счета в системе perfect money. Также, вы можете передать этот код другим пользователям, которые также могут использовать его для пополнения своего счета в платежной системе perfect money в любое удобное для них время.


Вы можете отправить код e-voucher на любой электронный адрес или номер мобильного телефона.


Для создания e-voucher вам необходимо войти в ваш аккаунт в perfect money, нажать на "вывод средств" и там кликнуть на "e-voucher". Затем, вам будет необходимо ввести стоимость e-voucher- а и создать его. Созданные e-voucher-ы всегда доступны в депозитарии, котрый можно найти в разделе “статистика.”


Если вам необходимо пополнить ваш счет в perfect money вы можете приобрести e-voucher в интернете. Затем вам необходимо войти в ваш аккаунт в perfect money, нажать там на "ввод средств" и выбрать "e- voucher" в качестве инструмента пополнения.


E-voucher – это удобный способ оплачивать товары и услуги в интернете, даже если ваш клиент не имеет аккаунта в системе perfect money.


В каждой операции, которая проводится системе perfect money, мы стремимся предложить нашим клиентам совершенный сервис. Мы знаем, у будущего есть perfect money, а у вас - возможность быть нашим клиентом!


Дорогие пользователи платежной системы perfect money!
23.12.20


Подходит к концу 2020 год. Дела отступают на второй план, а в воздухе всё больше витает запах праздника и новогоднего волшебства. Скоро мы соберемся с семьями за праздничным столом, поднимем бокалы и подведем итоги уходящего года.



Get free money now: $3695 from 27 ways


free money


If you are ready to work hard and spend some time then you may find hundreds of ways to make money online or offline.


But have you ever thought off getting free money without doing anything or spending any time.


Yes! I am talking about absolutely free money in your pocket without doing anything.


So do you want to know how to get this free money?


I am going to show you not only 1 or 2 ways but 27 ways where you can get around $3695 free cash.


$3695 free money from 27 ways


I am sure you will make at least 20% of this amount today itself if you go through all the ways & take little action.


1. Free money from swagbucks – $10


swagbuck free cash


Swagbucks is one of the most popular rewards program where you can get gifts & cash for shopping, searching the web, watching videos & completing simple surveys.


You can get $10 free signup bonus from swagbucks.


If you want more money, then you can find my swagbucks review which helps you to earn regularly from swagbucks by spending just 10-15 minutes.


2. Inboxdollars – $5 free cash


Inboxdollars is another rewards sites similar to swagbucks that will give you free money instantly upon signup. You can make more money by taking surveys, reading paid email, playing online games etc.


You can check this inboxdollars review to get more idea.


3. Mypoints – free $10 amazon card


Mypoints is one of the oldest reward program. Get a free $10 amazon card once you signup mypoints & purchase one or more items totalling $20.


You can get more cashback ranging from 3% to 5% for all your future purchase on sites like amazon, walmart, target etc.


Earn more by completing paid surveys, watching videos, playing games and reading emails.


4. Netspend.Com account – free $20


netspend free cash


You get an easy $20 free bonus for just requesting a prepaid, reloadable card from netspend.Com account.


In order to get the free $20, you’ll need to load a minimum of $40 on your card ( as prescribed by the website) using paypal, a bank account or one of the other options.


Go to the ATM and withdraw the $60 total from your card or spend the funds wherever you can use a credit card.


If you want to earn more free money from netspend then you can promote their refer-a-friend program where you can get $20 each when your friend opens a netspend account.


5. Airbnb – $40 free accommodation


I like airbnb a lot and I make sure that I book accommodation for my next trip from airbnb only. One main reason is that I find same quality as big hotels at less than half rates.


You will get $40 credit in your account once you signup airbnb and book accommodation for $75 or more.


6. Uber – $15 free ride


If this is your first ride for uber then you can get $15 free for your first ride. All you have to do is signup at uber & use the promo code HITTHEROAD.


7. Earn a $5 free cash from”stash”


Stash is one such app available for both android and apple smartphones which help you earn $5 from investing as little as $5 and make a 100% profit.


8. Earn free $10 and more from pocket change


Many smartphone apps like acorn, actually pay you for investing your pocket change by connecting to your bank account, credit and debit cards to save your digital change.


It automatically rounds up purchases with your connected accounts and invests the difference in your specified app account. Plus, they give you a free $10 when you download the app and make your first investment.


9. Open a bank account – up to $500 free


Select banks give you as much as US$ 500 free when you open certain types of accounts. Usually, banks offer this free cash when you open a premium account.


Meaning, you are required to maintain a daily balance that can range anything from $ 2,000 to $ 20,000. Usually, the bank will also levy a monthly or annual account maintenance charges.


The free money will be credited to your account as soon as you deposit the minimum stipulated amount. However, you need to observe all terms and conditions for the bank account.


Check this latest list of banks where you can open a checking account & get up to $500 free.


10. Get a credit card – $200 free


First time applicants of credit cards can get some free money to spend. It is given in the form of free credit that can be used to buy stuff.


Amounts range from $20 to $200, depending upon your credit ratings and other parameters. To qualify, you should be a first time applicant and have a good credit score.


Meaning, there should be no financial default against your name. Nor should you have availed a loan from any bank or lender institution. House mortgage is fine since it is considered as secured loan.


Check this list of the credit cards that offer up to $500.


11. Change your credit card – up to $2000 free


This is something very interesting and can get you as high as US$ 2,000 in free cash. However, you need to qualify. Firstly, you should have an excellent credit rating.


Secondly, you should have a credit card with a very high credit limit.


Thirdly, you need to have a healthy track record of repayment. In such cases, you can approach another credit card provider.


They will buy off your credit from the other bank, provided it is not high. Meaning, you get a new credit card with zero outstanding.


12. Get $50 free for sleeping


free money sleeping


You can make as high as $50 per night or more for merely sleeping. Yes, we mean it- simply sleeping. Companies that make sofas and mattresses test their products for comfort through humans.


They ask people to try the mattress and report about the comfort. Sometimes, these sofas and mattresses are kept on displays in showrooms, for people to see how well you sleep on the product.


Mattress, pillows, blankets, beanbags and loads of other stuff is tested in this manner.


13. Gobaby – $20


The concept of gobaby was launched in new york by a mom. She rented prams, walkers and other baby stuff to passengers with infants transiting through the city or its airport.


If you have spare baby stuff lying in your house, you too can download the gobaby app and offer it for airline passengers to get rent up to $20. Gobaby is rapidly becoming popular across USA and will spread to every city and town.


14. Hoardings


Allowing new or established businesses to put up a hoarding on your garden, roof or window for a few days gets you enough money.


Here, we cannot say how much you can earn because realty and outdoor advertising prices vary according to each location.


However, you are assured of a decent income if you allow the company to use your premises for advertising. The hoardings and posters will be removed by the company’s outsourced advertising agency once your lease is over.


15. Ebates – $10 free cash


Ebates is a rebate card with a difference. You have to make all your purchases online. You can register online for ebates membership and get free $10 walmart gift card or ebates cash.


However, to get this $10 credit, you need to make purchases worth $25 within 90 days of joining ebates.


16. Returning airport/ shopping trolleys


This trick of getting free money was inadvertently advertised by hollywood hit ‘terminal’.


The movie depicts actor tom hanks stranded at the arrival lounge of an american airport and struggling for survival. He earns 25 cents for each airport baggage trolley returned.


You too can earn loads of free money provided you are willing to merely collect baggage and shopping trolleys and return them.


17. Forex trading at NPBFX – $20


Trading in foreign currencies has indeed become popular after the massive economic slowdown that affected USA and other parts of the world from 2008 to 2010.


The downturn shook the otherwise strong faith of americans in the US dollar.


Tens of thousands of americans turned to trading in foreign currencies to hedge their hard earned money against vagaries of the local economy.


End of this economic downturn however spelled bad for foreign exchange trading companies. To keep up the business, they offer $5 to $20 as startup credit for your foreign currency trading account.


One of the forex trading sites is NPBFX where you can register to get $20 free no deposit bonus.


18. Prescription transfer – $50


If you are on prescription medicines, this is one good way of getting some free money. All you need to do is transfer your prescription to another pharmacy.


To retain your loyalty, they will offer you free cash- at least $25 to $50. Often, this free money will be given as discount on your purchases.


Additionally, you can also transfer prescriptions of friends and relatives to get more free cash. You can find online coupon sites for such offers


19. Selling your name


If you have a good reputation in your profession and some degree of following, your name becomes a brand of sorts. You can lease your name to consulting companies or educational institutes.


For example, a noted football coach can officially lease his name to a training school. In return, you are assured of a part of their profits.


20. 401K matching funds


If your employer is giving you 401K matching funds then you can get free money. However after the recession many employers have cut this particular benefit.


But if you are still enrolled then you get absolutely free money under this program. The money that you will get is every year and it is like getting a bonus or a pay hike. But it is free.


21. Get free money $50 and more from de-clutter


declutter free money


I. Sell old cell phones and electronic devices for cash


You can sell old cell phones or apple devices for cash, instead of piling harmful thrash. There are some websites like gazelle interested in making a deal with you.


They pay for your shipping costs and send you packing material too. You just have to wait for a check in your mail or a gift card or cash transfer to your paypal account.


There are also apps for smart phones where you can sell old movies, CD’s or electronic devices in bulk to make approximately $50 or more depending on their schemes.


Ii. Sell your books online on ziffit.Com


If you've been looking for a way to sell your books online, there are many apps for ios or android devices, one such app is ziffit.Com.


You just enter your isbns or scan in the barcodes using the app to find out how much your books are worth. Delivery is all taken care of too.


Choose your preferred payment method bank transfers, paypal payments and cheques, as well as instant cash voucher.


Iii. Free money upto $150/box: sell your used clothes, toys, and games


You can make up to $150 per box if your clothes are in excellent condition or exchange it for branded clothes from various websites like swap.Com or thredup.Com


Upload a picture of any piece of furniture or item you want to sell and put it for sale in a public place like offerup or on special apps for smart phones. Give all details and specifications and there you go!


Chances are you will get good offers that can help you get quick cash.


22. Trade your junk mail and spam email for$10


Some market research websites like SBK center actually pay you for your junk mail.


Guess what? You’ll be rewarded for your junk mail with gift cards to some of your favourite stores, but the exact amount varies from company to company, and each company has a different way of paying.


For example, world mail panel credit points to your account every time you confirm receiving one of their mails.


23. Earn cash by saving email receipts


It sounds ridiculous but its true all your online purchases will now earn you money. There are certain apps where you signup for free and they help you get back your money spent.


They compare price drops on your purchase from partner retailers and claims the difference with the retailer or credit card issuer.


All you need to do is to save your email receipts and download the app earny.


24. Free money from cardpool – $10


There are some sites like cardpool.Com that are interested in buying your unused gift cards and you can actually trade them in exchange for cash or another gift card.


25. Free money from moneytalk – $10


‘post for gold’ websites like monkytalk.Com claims they give $10 free bonus just for joining their website. The gift in gold is not real money, it is a rewards system similar to coupons that can be redeemed from icdirect.Com inc for gifts or in special cases as cash rewards.


26. Free money $500 onwards earned through grants


Writers can use grants to help pay for taking a class, attending a conference, child care, traveling for research, producing a project, hiring a consultant, developing a website or to support you while you write. You just have to apply to the organisations and qualify.


Students, receive “free money” after completion of the free application for federal student aid (FAFSA) form. The information supplied through this form is used to make award determinations for grants, loans, some scholarships and federal work-study. Forms must be filled before deadline.


27. Community grants


Similar to elsewhere in the world, the US also consists of various communities and ethnic minorities. If you belong to any of these communities, you are eligible for grants.


These financial grants can run up to $ 5,000. However, these grants are given only for economic uplift of an individual or family. You can get these grants for higher studies or to set up a small business, if you have no other source of income.


Points to remember


Indeed, there are no free lunches, as the old adage goes. Similarly, there is no free money that you can earn without moving a finger. The 27 different ways to get free money that we mention also require minimal effort on your part.


A word of caution: beware of scammers. There is no dearth of fraudsters who pose as genuine and legitimate companies on the internet. Instead, there are phishing scams.


They make attractive offers of free money. In the process, they gleam away your personal details and use these for some nefarious acts.


Therefore, we advise you to read reviews about website that offers free money. The FBI and police have recorded cases where people’s identity details were stolen in classic cases called ‘identity theft.’


These scams can cause perfectly decent, honest people to be unwittingly branded as criminals- merely because someone else used their good credentials.



Registration and de-registration of money services businesses


Money services business guidance on registration and de-registration


This guidance concerns bank secrecy act requirements under current regulations for the initial registration, and registration renewal, of money services businesses. It also describes policies regarding de-registration and ceasing to be a money services business. Concurrent with the issuance of this guidance, the financial crimes enforcement network is undertaking a broader review of the regulatory framework for money services businesses. This review likely will result in further changes and additional regulatory guidance being issued, as appropriate. In the meantime, pending review of the registration regulations, the following guidance is offered to provide clarity concerning registration and de-registration of money services businesses.


I. Initial registration and registration renewal (2-year update)


Money services business initial registration persons1 defined as money services businesses (31 C.F.R. § 103.11(uu)), generally are required to register with the financial crimes enforcement network whether or not they are licensed as money services businesses by any state.2 initial registration is accomplished by filing fincen form 107, registration of money services business, and checking box 1a, initial registration. At the present time, the following money services businesses are not required to register:



  • A business that is a money services business solely because it serves as an agent of another money services business;

  • A business that is a money services business solely as an issuer, seller, or redeemer of stored value; and

  • The U.S. Postal service and agencies of the united states, of any state, or of any political subdivision of any state.



In addition, currently a branch office of a money services business is not required to file its own registration form. Banks and persons registered with, and regulated or examined by, the securities and exchange commission or the commodity futures trading commission are not defined as money services businesses, and are therefore, not required to register. See 31 C.F.R. § 103.11 (uu).


Money services business registration renewal (2-year update)


Bank secrecy act regulations required the initial registration of existing money services businesses by december 31, 2001. These money services businesses were required to renew their registrations by december 31, 2003 if they continued to be money services businesses. Thereafter, they must renew their registrations every 2 years by december 31st for as long as they continue to meet the definition of money services business. Money services businesses established after december 31, 2001 are required to register initially by the end of 180 days after the day they are established as money services businesses and to renew their registrations at the end (by december 31st ) of the two-calendar year period beginning with the calendar year in which they were initially required to be registered. Thereafter, registration renewal is required every 2 years by december 31st for as long as the business continues to meet the definition of a money services business. Registration renewal is accomplished by filing fincen form 107, registration of money services business, and checking box 1b, renewal. Examples of initial registration and registration renewal deadlines, based on various timeframes for the establishment of a money services business, are set forth in the appendix.


II. Money services business – de-registration


There is currently no provision in our regulations or procedures to allow a money services business to de-register or otherwise be removed from the money services business registration list even if the business is no longer providing services that require registration as a money services business. At the present time, the only option for a business that has ceased to operate as a money services business, or that has registered incorrectly, is to refrain from renewing its registration. One purpose of this guidance is to clarify that, as of the date of this guidance, we will omit from the posted money services business registration list any persons who do not renew their registrations by the renewal deadlines, and will deem that business to be unregistered as a money services business.3 any money services business that should have renewed its registration, but fails to renew its registration by the renewal deadline, will no longer be deemed “registered.” the consequences for failing to register or renew registration as a money services business can include civil and criminal penalties for violation of the bank secrecy act and implementing regulations. (31 C.F.R. 103.41(e))


III. Policies and procedures for ceasing to be a money services business


In general, a business that develops and implements written policies and procedures that would exclude it from the definition of money services business would cease to be, and would not be treated as, a money services business for purposes of bank secrecy act requirements relevant to money services businesses under 31 C.F.R. 103. The date the business begins to implement such written policies and procedures is the effective date on which the business ceases to be a money services business. Also, if such a money services business did not register, and has implemented written policies and procedures to cease being defined as a money services business, it should not register for its past performance as a money services business. For example, the definition of money services business includes a person engaged in the business of a check casher, subject to the definitional threshold.4 A business that cashes checks in amounts sufficient to reach the definitional threshold of more than $1000 returned to a customer in one day is a money services business, and must comply with all bank secrecy act requirements applicable to money services businesses, including the requirement to register (31 C.F.R. 103.41). A money services business must be registered for the initial registration period and each renewal period (31 C.F.R 103.41(b)(2)). However, a check casher, which initially registered as a money services business because it engaged in check cashing at a level that met the regulatory definition for a money services business, but has subsequently implemented written policies and procedures to no longer offer check cashing services that reach the $1,000 definitional threshold for a check casher, has ceased to be a money services business.5 this is the case even if the business continues to cash checks, so long as it does not cash checks in an amount that triggers the definitional threshold for a check casher. Assuming the business offers no other services that would cause it to be treated as a money services business, the business would not be held responsible for compliance with bank secrecy act requirements applicable to money services businesses under 31 C.F.R 103. Such a business should not renew its money services business registration when it expires at the end of the business’ initial registration period or any subsequent renewal periods.6 for further information regarding money services business registration and renewal requirements, please call the regulatory helpline at 800-949-2732.


Appendix: examples of initial registration and registration renewal deadlines for money services businesses


* this assumes the date of initial registration is on the last possible (180th) day to be in compliance. If initial registration occurs prior to this 180-day deadline, calculation of the first renewal and future renewal deadlines is based on the actual date on which initial registration occurred. ** the calendar year 2004 is a leap year, and as a result, february 29, 2004 should be counted when calculating the initial registration deadline.



Authorisation and registration: E-money and payment institutions


Firms that provide E-money or payment services must be authorised or registered by us and must comply with our conduct requirements and give us information that allows us to regulate their businesses accurately.


If your firm provides payment services, it must:



  • Be registered or authorised by us, unless you’re exempt

  • Meet the conduct of business requirements of the payment services regulations 2017 (the psrs)

  • Provide us with annual ‘reporting information’ so we can supervise your business (for example, details of the value of your payment transactions)

  • Keep us informed of any changes in your firm (for example, if you want to vary the payment services you provide)

  • Ensure that your customers’ payments are secure and safe




  • Money remitters

  • Non-bank credit card issuers

  • Non-bank merchant acquirers



The revised payment services directive (PSD2)


PSD2 was published in the european union's official journal on 23 december 2015. PSD2 was implemented in the UK by the payment services regulations 2017 (psrs 2017) on 13 january 2018. It will impact all firms that provide payment services. Firms that are authorised or registered under the psrs will need to apply to be re-authorised or re-registered under the psrs 2017 in order to continue providing payment services. New businesses that are seeking authorisation or registration will also be affected.


PSD2 aims to bring regulation up to date with developments in the payment services industry and to promote further innovation. It also aims to improve consumer protection, make payments safer and more secure, and drive down the cost of services by encouraging competition in the marketplace.


Registration and authorisation


You can now apply for registration or authorisation under the psrs 2017.


Firms that need to be registered as a small payment institution (SPI)


If your firm operates below an average monthly turnover in payment transactions of €3m, it may register as a small payment institution (SPI).


If, under the psrs 2017, you intend to provide account information services only, you can apply to become a registered account information service provider (RAISP).


Firms that need to be authorised as an authorised payment institution (API)


You can apply to become an authorised PI if your firm:



  • Doesn’t qualify as an SPI, or a RAISP, or

  • Wants to provide payment services in other european economic area (EEA) member states



If you are unsure whether your activities fall within the scope of the psrs, consult our perimeter guidance.


Firms that need to be registered as small electronic money institutions


If you expect your total business activities will not exceed an average of €5m outstanding e-money immediately before registration, you may wish to apply to register as a small EMI.


You can also provide payment services that are unrelated to e money but only if the average monthly turnover in payment transactions does not exceed €3m (unrelated payment services).


Firms that need to be authorised


You can apply to become an authorised EMI:



  • If your firm does not qualify as a small EMI, for example if the expected average outstanding e-money will exceed €5m

  • If you want to issue e-money in other european economic area (EEA) member states



Your firm can also provide other payment services not related to e-money (unrelated payment services).


What we need from you for registration or authorisation


When you apply for registration or authorisation, you must tell us (among other things):


Electronic money:



  • What e-money services and payment services you want to provide, set out in a business plan

  • Who’ll be responsible for providing the services, for example a manager or an agent on your behalf

  • Details of any person or firm with 10% or more of the capital or voting rights in your firm, and

  • If you want to operate in other EEA states


Payment institutions:



  • What payment services you want to provide

  • Who’ll be responsible for providing the services (for example, if a manager or an agent is acting on your behalf)

  • Details of any person or firm with 10% or more of the capital or voting rights in your firm

  • Whether or not you want to operate in other EEA states


Conduct of business requirements


All pis must comply with the conduct of business requirements set out in the psrs. These fall into 2 categories:



  • Information to be provided to the customer before and after carrying out a payment, and

  • The rights and obligations of both the PI and the customer regarding payment transactions



The emrs set out the obligations that apply to emis as you conduct e-money business. They relate to the issuing and redeeming of e-money and the prohibition on paying interest or other benefits linked to the length of time that e-money is held.


For more information, see chapter 8 of our approach document.


Reporting requirements for authorised or registered pis


Authorised and registered pis must:



  • Provide regular reporting information to comply with our supervisory and EU reporting obligations

  • Send ‘notifications’ when there’s a significant change in the firm’s circumstances



Notify changes in circumstances


We need accurate information on pis to monitor your business. It is important that you tell us if you make changes to your business, such as:



  • Changing any of your firm details, for example your registered name, trading name and contact details

  • Changing your legal status, for example from a partnership to a limited company

  • Making a change in qualifying holding, for example a person with over 10% of your firm’s capital

  • Changing the people responsible for payment services or your agents

  • Adding or removing payment services you provide (in which case you must apply to vary your payment services)

  • Ceasing to provide payment services (in which case you must cancel your registration or authorisation), and

  • In the case of a small PI, exceeding the maximum average monthly turnover of €3m (in which case you must apply to become an authorised payment institution and cancel your small PI registration



Security of internet payments


The european banking authority (EBA) has published its final guidelines on the security of internet payments.



Используя платежную систему perfect money вы можете:


Для пополнения счета вам необходимо отправить банковский перевод (SWIFT / IBAN) с вашего счета в банке или принять платеж от 3 стороны, например, от вашего бизнес-партнера. Предоставляя своим партнерам данные вашего счета в perfect money, вы получаете возможность принимать банковские переводы, даже если у вас нет счета в банке.


Наши тарифы действительно очень низки.


Выбирая данную опцию вы покупаете e-voucher с кодом активации в интернете, и пополняете свой счет вводя этот код в специальную форму. Так, например, вы можете купить e- voucher за валюту western union у одного из многочисленных обменных пунктов или на интернет-аукционе.


Вводите средства напрямую из других платежных систем. Все платежи с помощью электронных валют зачисляются на счет моментально.


Сертифицированные обменные сервисы - партнеры


Электронную валюту perfect money можно приобрести за другую е-валюту, системы western union, money gram или за наличные. Ввести средства с помощью обменных сервисов – партнеров.


Вы можете выводить валюту perfect money посредством банковского перевода на ваш онлайн счет в банке, или на счет 3 стороны. Если ваши бизнес партнеры или сервис принимает только банковские переводы, вы также можете вывести perfect money с помощью банковского платежа в качестве оплаты за товар или услугу.


Наши тарифы действительно очень низки.


Создайте свой личный сертификат e-voucher perfect money. Это великолепная идея давать коды e-voucher-ов своим членам семьи или использовать их как бонусы. Также вы можете продать свой e-voucher за наличные.


У вас возможность выводить свои средства с аканта в perfect money на счет в другой электронной системе.


Мы предоставляем клиентам возможность покупать препейд карты в интернете не выходя из своего аккаунта в perfect money account. Например, вы можете купить "предоплаченную карту visa" для безопасного и надежного шоппинга в интернете.


Сертифицированные обменные сервисы - партнеры

валюту perfect money можно приобрести с помощью систем western union, money gram. Также вы можете обменять perfect money на любую другую электронную валюту или обналичить их в своем городе.


Вывести средства с помощью сертифицированных обменных сервисов – партнеров.


Bitcoin

вывести средства на ваш кошелек bitcoin. Perfect money позволяет клиентам выводить средства со счетов perfect money B на любой кошелек bitcoin. Все переводы обрабатываются в автоматическом режиме.


Задумывались ли вы о том, что вы можете покупать виртуальные карты perfect money за вашу электронную валюту в интернете, а потом конвертировать ее в валюту perfect money? Платежная система perfect money предоставляет вам такую возможность и делает это реальностью!


Виртуальная препейд карта perfect money с кодом активации, называемая e-voucher, всегда может быть создана любым пользователем perfect money.


E-voucher – это специальный код, который вы можете использовать для пополнения любого счета в системе perfect money. Также, вы можете передать этот код другим пользователям, которые также могут использовать его для пополнения своего счета в платежной системе perfect money в любое удобное для них время.


Вы можете отправить код e-voucher на любой электронный адрес или номер мобильного телефона.


Для создания e-voucher вам необходимо войти в ваш аккаунт в perfect money, нажать на "вывод средств" и там кликнуть на "e-voucher". Затем, вам будет необходимо ввести стоимость e-voucher- а и создать его. Созданные e-voucher-ы всегда доступны в депозитарии, котрый можно найти в разделе “статистика.”


Если вам необходимо пополнить ваш счет в perfect money вы можете приобрести e-voucher в интернете. Затем вам необходимо войти в ваш аккаунт в perfect money, нажать там на "ввод средств" и выбрать "e- voucher" в качестве инструмента пополнения.


E-voucher – это удобный способ оплачивать товары и услуги в интернете, даже если ваш клиент не имеет аккаунта в системе perfect money.


В каждой операции, которая проводится системе perfect money, мы стремимся предложить нашим клиентам совершенный сервис. Мы знаем, у будущего есть perfect money, а у вас - возможность быть нашим клиентом!


Дорогие пользователи платежной системы perfect money!
23.12.20


Подходит к концу 2020 год. Дела отступают на второй план, а в воздухе всё больше витает запах праздника и новогоднего волшебства. Скоро мы соберемся с семьями за праздничным столом, поднимем бокалы и подведем итоги уходящего года.



How you become a loser when you pay in black for your real estate property ?


POSTED BY jagoinvestor ON june 6, 2013 COMMENTS (248)


Naresh recently visited a new residential project in pune which was ready for possession. The property cost was in his budget and he was about to finalize the deal. The total cost of property was around rs 40 lacs. Stamp duty and registration cost was to be paid separately which would take total cost to around 43 lacs. This was a bit heavy on naresh pocket, so out of his regular habit, he inquired if there is any trick by which he can save some money on the deal ?


Bought house by paying in black


The builder was quick to give him a great saving advice – “sir , you have to pay 6% stamp duty and 1% registration cost on the agreement price. Which comes to 7% of 40 lacs, thats 2.8 lacs additional, thats the reason the total cost comes around 43 lacs . Now if you want to save money, what you can do is pay some part of the deal in cash to us (means pay in black) and we will reduce the agreement cost by that much, that way – we will also save our tax on the black money part and you will save 7% on that cash amount. Like if you pay us rs 10 lacs in cash, then we will make the agreement for rs 30 lacs only and you will have to pay stamp duty and registration cost on only 30 lacs which will be 2.1 lacs, and it will save you rs 70,000 without doing anything extra ! . Cool na ! .”


The offer was tempting and naresh fell for it, how cool is saving rs 70,000 , all you need to do is pay some part in cash and lower the agreement amount in records. But do you understand, what is your loss in long term because of this kind of deal ? Let me break some hearts today, who have already done this mistake while buying their properties.


Stamp duty and registration costs


First understand that stamp duty and registration costs vary from one state to other state. For example – in maharashtra, its 6% + 1% = 7% in total , so whatever is your total agreement cost , you will have to bear additional 7% on that amount as stamp duty + registration costs. Given the huge amount involved and the financial crunch every buyer faces at the last moment of the deal and hunger of builders to save every bit of tax, makes sure that buyers fall for this trick of paying huge amount in CASH (black money) and register the property at lower price just for few thousands (actually sizable if you look at it). This looks like win-win situation to buyers and they are pretty happy about it, however truly speaking, this is a loosing deal for the buyers in a very long run (if you are going to sell the property later) and only benefits the builders and let me now explain you why is it so ?


At the time of selling – the cost of house matters


I hope you are very clear that when you sell your property in future , you pay the tax on the profits made. And the profit is decided by your COST of the house and the sell price. So lower the cost of your house, the higher the profits on paper for you in future. You might be aware of the fact that indexation is applied in case of real estate transactions and 20% tax is paid on the profit.


Now lets take this same example we are discussing and see how much you save at the time of purchase and how much you loose at the time of selling , which can be in distant future. See the working below and try to understand the whole situation


How paying black money in real estate transaction can lead to loss in long term


In the example above you can clearly see that by paying rs 10 lacs in cash, a person is able to save rs 70,000 instantly. However they are not able to look beyond the obvious and visualize the kind of loss they will incur in future when they decide to sell the property. The same person will pay 3.4 lacs of additional tax in future because he/she paid rs 10 lacs in cash years back.


Now there are few points which can be debated here like there can be changes in laws in future, or one can save the tax by investing in another real estate properties (which again depends on future laws) , but the point here is to educate you on the long term implications of this. Now if you fully understand the message of this post, you can take your decisions with full responsibility.





FINDING AND SAVING MONEY FOR COLLEGE


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About this event


Please join us for our virtual college financial readiness series II: FINDING AND SAVING MONEY FOR COLLEGE WORKSHOP


JFCS’ financial aid center is helping high school students and their parents to start thinking about financing college in this workshop. This event is open to all parents and teens (9th – 12th grade).


What can you and your college-bound student do to help lower the costs of college?


Be prepared BEFORE your teen’s incoming college acceptances and financial aid packages are on the table. Learn important financial moves to make now, so your teen(s) can afford to attend their dream school.


We will address the following questions at our workshop:



  • What can your family realistically afford to spend for college?

  • What are some additional income sources parents can use for college?

  • Is it important for your teen(s) to apply for internships, scholarships, and/or work-study?

  • COVID-19 impact on college costs and expenses.

  • When should you consider a financial aid appeal to a given college?


Frequently asked questions:


We encourage all 9th – 12th graders and their parents to attend. Teens and parents are also welcome to come on their own.


Please join our online waiting room 5-10 minutes before our 4:00 p.M. Presentation begins. We will begin promptly at 4:00 pm.


What if my plans change and I cannot make it?


Seats are limited. If you cannot come for some reason, please let us know so we can give your seat to someone else. Just call 415-449-1226.


JFCS will hold one more virtual FINDING AND SAVING MONEY FOR COLLEGE WORKSHOP on tuesday, january 12, 2021 at 4:00 pm. You can sign up for this 2nd event if you can't attend our first event.





So, let's see, what we have: let's start by creating your money for my beer account. Registration is easy, enter your email, password and voila. Create your free online story now. At money for registration

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