Category Archives: Side Hustles

Common side hustles will often include work in the Gig Economy. These can be app-based services such as DoorDash, Uber, or GoPuff. Other options may be developing apps for Apple and Android devices, or creating eBooks and stationary to sell on Amazon. Further opportunities are available in closed-captioning work, AI prompt designer, completing surveys, playing games for cash, and In-Home Product Testing (iHUT).

Investing

Lazy Investing

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I got tired of checking all of my stocks and through everything into 4 ETN’s by Credit Suisse. It really wasn’t much trouble but I have become lazy with the dividend investing. I’m also seeing much better returns with the ETN‘s over traditional dividend stocks. I know I’ll be paying way more tax but I still think I’ve offset that by my profit yields.

Ideally once the crappy stocks hit a breakeven I will be able to drop them and dump my money into dividend stocks. I have only regrets concerning SPAC‘s and IPO‘s, EV, POT, Green Energy and Crypto.

I’ve got 1000 shares of $USOI, 35 $REML, 14 $GLDI and 4 $SLVO on Charles Schwab.

Webull has 165 shares of $SLVO and a bunch of failed SPAC’s and IPO’s.

Robinhood has Green Energy, Cannabis and EV failures and 189 shares of $REML.

SoFi has my main investments and of course more speculative stuff that is always in the red. I have 100 shares of Alight, 100 Paysafe, 300 Genius International, 551 Ocean Power Technologies, 200 Orchid Island Capital, 2200 $SLVO, 20 $NSTB, 20 Blade Air Mobility and 80 shares of 23andMe.

On SoFi, the 200 shares of $ORC is getting me $13 per month. $SLVO earned $275 in June and $233 in July. I haven’t received coupon payments as of yet on the Robinhood or Webull shares. Over at Charles Schwab I get around $108 from $USOI each month and maybe $13 from $REML. I think I’ll eventually throw the entirety of my investments into REIT’s at some point.

Deals

Swagbucks – Albert App

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The Offer on Swagbucks

This one is easy but not a great offer. You need to open an account and deposit more than $20 and keep the account open for past 30 days. It didn’t go Pending for me so I am a little wary. It is worth it for the $60 and you get your money back when the offer is complete. So your locking up $50 for a month basically.

The PLAID service was really laggy (10-15 minute wait) it ended up timing out twice.

Deposit Amounts

The deposit screen only allowed for set amounts so I had to choose $50. There is no “Custom Amount” option so you cannot do $25. I also had difficulty with connecting my SoFi account and ended up using Charles Schwab.

  • Genius Paid Service
  • Genius Paid Service
  • Genius Paid Service
  • Genius Paid Service

The app is free unless you signup for Geniuses Service. It won’t let you not do it, but you can cancel right away to avoid the monthly fee ($4).

  • 3 Card Colors to choose from
  • Dashboard
  • Cancellation Policy
Account Completed
Deals

The SoFi App

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SoFi services

SoFi’s mission is to help people reach financial independence to realize their ambitions. And financial independence doesn’t just mean being rich—it means getting to a point where your money works for the life you want to live.

Everything we do is geared toward helping our members get their money right. We’re constantly innovating and building ways to give our members what they need to make that happen.

Sofi is an all-in-one banking, credit card, loan, crypto and investing platform app. You can do everything from the app. I have moved about 85% of my net worth into SoFi and I use it to track all of my accounts and services that I utilize. You can buy and sell cryptocurrencies in the investing section and they have a great rewards program. If you signup using my link you will get $10 in points.

SoFi Rewards Program

Hi! 👋 Join me on the SoFi mobile app! You can save, spend, trade and borrow — all in one app. Use my link to sign up and you’ll get 1,000 rewards points. https://sofi.app.link/BiKLLQRxuib

Deals

2 bank offers, Swagbucks

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I recently found two bank account offers on Swagbucks that have easy terms. Lili Financial 5000 SB and PrizePool 2000 SB.

Lili Financial and PrizePool terms and conditions.

For Lili you need to deposit $25 and PrizePool wants $10, both offers say will pend for 32 days. Neither offer went pending for me so I will likely have to submit a ticket.

The accounts were easy to open and the Lili debit card arrived fast. The other one is just a banking app with no card. PrizePool gives you “tickets” to enter drawings to get rewards. I’ve seen other banking apps that tried the same gimmick and failed so I don’t expect this one to last long. They always run out of funding and switch to paid banking subscriptions or heavy fee’s.

Deals

Swagbucks – Green Chef

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Green Chef

This was my second meal delivery service deal. The first was from Sunbasket. This one from Green Chef pays out 5000 SB and the package cost $35 so I made about $15 on the deal.

The ice packs had melted in shipping and the poor FedEx guy had a mess in his truck. He had a form to return the box as damaged but I told him it was fine as I had gotten the stuff for free.

After hauling the soggy box inside, I found that the bags inside were dry. The ice was in a separate compartment below the food near the bottom.

We’ve already got dinner for tonight’s cooking so I will save these until tomorrow. I will update the post as each meal gets cooked, so check back soon.

EDIT: 5-19-21 Well, I forgot to take pictures and have eaten all the food. Sorry.

Investing

Simplifying my Finances

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I used to be really big on expanding my credit limits and getting my credit scores super high. I would jump at any credit card deal or bank account bonus I came across. At my peak, I had a FICO score of 805, 12k in business credit, and 48.65k in personal credit limit.

I realize these numbers are on the low end for the churning crowd but when I first came across the Fat Wallet Forums I was working part-time making minimum wage (7.25). I was surprised I was able to get so many cards early on given my lack of credit history. It was a great game grinding my way up to the 800’s.

Anyway, now that I am not working anymore and just focusing on my blog and enjoying my days I do find that managing all the cards to be a time-sink. Keeping track of each card and making sure there is regular activity and changing passwords semi-annual for security is a real chore.

I recently shut down my crypto business and was closing the business credit cards. That got me thinking that it would be a nice break not having to manage the extra data. So I started looking at personal cards that I didn’t have much use for.

I closed my SunTrust account a few AMEX and one of the Chase cards. Petal is gone, the Netspends, Oxygen, and PODERcard. I also closed my old BBVA account which was used for the business.

I’ll just have 3 bank accounts that I use actively. Sofi Money since it includes my Dividend investments, and my Charles Schwab which has mainly ETNs with nice coupons each month. Lastly, I am keeping my Dow Chemical Employee Credit Union checking/savings accounts. I heard about Dow from MilesPerDay, they have this really nice member Giveback program where you get the interest back on your loans and deposits.

The credit cards I’ll be keeping are:

  • Citi Simplicity 3k
  • Citi Rewards+ 2.8k
  • Cap1 Quicksilver 11k
  • Cap1 Savor 3k
  • Cap1 Walmart 8k
  • Synchrony Amazon 1k
  • Lowes 2.85k
  • Big Lot’s 1.5k
  • US Bank Altitude Go 4.5k
  • Amex Delta Blue 3k
  • Chase AARP 3k
  • Total 43.65k personal credit

I think that’s it for now. If you haven’t already please like and subscribe. Also, feast your eyes on my lunch of waffles and 떡볶이.

떠볶이 & Waffles
Deals

Kasanje Visualizations

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I have just got a ton of photos of birds, flowers, bamboo and garden vegetables in my collection. Back when I traveled overseas I took many photos of castles in both England and France. I love taking pictures on my both my camera and my smartphone.

My phone is a Samsung A21s it has a quad-camera setup on the back that includes a high-res primary shooter, an ultrawide snapper, a macro cam, and a depth sensor.

The camera is an older Fujifilm Finepix HS 25 EXR. Its got 16.0Mp Resolution, a 24-720mm Fujinon 30x Optical zoom Lens, a Tilting 3.0″ LCD Monitor and can do Video Capture at 1920 x 1080 HD.

Timber Bamboo Shoots
Sunbasket: make it yourself delivery

So I signed up at POND5 and I’ll be slowly putting up some of my better photos on the site. The blog could certainly use some more traffic but this is also a potential source of income which is always appreciated. I don’t have my drone license yet so I won’t be uploading the footage of me crashing into things.