Tag Archives: extra money

Where Have I Been?! Updates And Three (3) Apps I’ve Been Using: Circle Invest App, Square Cash App, Robinhood Gold

Sorry for the lack of blog posts. Again!

I’ve spent this entire Spring and beginning of the Summer working, studying, learning, making mistakes, and evolving. Sounds like a lot, I know. I’ve kept investing in various stocks including a few of my favorites that I’ve mentioned on this blog a few times already, such as Facebook and Amazon.

I’ve also continued to save towards a larger cash position, but that is beginning to get even more serious beginning now. I hope to be buying a house and am looking into a few other opportunities within the end of this year and beginning of next. My favorite place to grow my cash right now, as I’ve mentioned, is Marcus by Goldman Sachs. When I originally wrote about them they were offering less, but are now offering 1.8% interest on all savings accounts. On top of that, interest rates are only looking like they will continue to go up right now.

So here’s to some new adventures in life. I’ll be sure to try and keep you updated more! For today I wanted to share a few apps & products that I’ve been using recently, and share my thoughts. So let’s just get into this:

  1. Circle Invest App:  I have really enjoyed using this service. It’s an app in which you can purchase various cryptocurrencies. If you are familiar with crypto, it’s pretty much like Coinbase, but better right now. There are low fees, more of a variety of cryptocurrency, they make it easy to add money and withdrawal, and they have several other interesting features. One of my favorites is the “Buy The Market” feature where with one purchase you buy a fraction of every crypto they currently offer on the app.
  2. Cash App/Square: I really dig Square’s Cash App. Much like Circle, they make it very easy and quick to add money. You can then buy Bitcoin (only Bitcoin at the moment, no other cryptos). You can also use the cash to send to others with the app, or even get the personalized debit card which I did. They have “Boosts” you can load on them where you can get certain discounts when you use the card. A few examples are $1-off each Subway visit, 5%-off each visit at Whole Foods, and 10% off each visit to Chick-fil-A. Not bad at all! It’s overall just a real slick, simple app which I why I like it. You can use the debit card just like any other debit card you’ve used once you load it with money.
  3. Robinhood Gold: I am still a huge supporter of the Robinhood app. Recently I decided to test their Robinhood Gold service. With it you get access to extended trading hours, the option of using margin, and a few other benefits. The cost varies based on how much margin you take on, or as Robinhood calls it, “Gold.” I enjoyed using the platform and testing all of the features. As is always the case with margin, you have to be very careful. It’s easy to make bigger bets than you normally would knowing you have the access to margin. Besides Robinhood Gold, just overall I am very impressed with the Robinhood app. I’ve been trading options (mostly calls) here and there, and am still just learning, but that has become one of my bigger interests in investing. They’re risky, but can lead to big rewards if you’re willing to learn. Biggest thing Robinhood offers… the ZERO commissions for trading stocks, options, AND cryptocurrency. Yes, you can purchase crypto on Robinhood as well and recently they’ve been adding more coins. It’s still only available in certain states, but more and more of those are being added often as well.

I’m going to leave it with those three for now, but I’ve got a lot more that I want to share with you all hopefully soon. Just a few of the things I’ll be blogging about before not too long (hopefully) include the following:

  • Three of my favorite current stocks: Netflix, Nvidia & Tesla, as well as updates on previous mentioned stocks.
  • PayPal Working Capital
  • Adyen
  • GoDaddy Bookkeeping & Quickbooks
  • Vistaprint Promobox
  • Aldi
  • Shift card (Boo!)
  • Amazon Prime
  • the next recession
  • I.R.S. & taxes
  • budgeting
  • WHAT is happening to eBay?

As you see, lots of ideas and plans written down, very little time, but ultimately the passion and determination to eventually get these blogs out! If you have any thoughts, ideas, other suggestions, ANYTHING, just let me know. Have an amazing day!

Brent

3 More Ways I Earn Extra FREE Money Every Month: PayPal Business Debit MasterCard, Target REDcard & Wal-Mart Savings Catcher

If you know anything about me by now, it may be that I like to earn a little extra cash any way that I can. Today I wanted to share three more ways that I do just that every month.

First off I wanted to talk about something that I have done for MANY years….

***PayPal Business Debit MasterCard

The PayPal Business Debit MasterCard is one of the cards that has been in my wallet the longest. I have long been an eBay seller, and nearly 100% of the payments I receive from eBay go directly to my PayPal account. Having their Business Debit MasterCard when you sell on eBay is a must in my book. First off, you have direct access to your funds from sales. Second, and possibly above all else, when you use the card ANYWHERE as a credit card (not enter your pin) you earn 1% cash back on EVERY purchase! It’s really that simple.

Within the first week or two of every month you then receive your cash back for the previous month. There is no annual fee or any fees other than the original PayPal fees for your eBay sales, etc.. I use mine a lot for business purchases and a variety of other purchases throughout the month. It’s awesome getting the cash back every month for making purchases you already would have anyway.

If you would like more information on the PayPal Business Debit MasterCard you can find everything you need here.

Next up is yet another Debit Card I have used over a year now and highly recommend…

***Target REDcard

The Target REDcard is offered as a Credit OR Debit Card. Since I limit the amount of credit cards I open and don’t use any store credit cards usually, I recommend the Target REDcard Debit Card. The first selling point is that on EVERY purchase you make at Target or Target.com, you INSTANTLY save 5% off! In addition, you get free shipping on Target.com when using your REDcard. When you sign up for it you link it to your existing bank account, and every time you make a purchase after a few days the amount you spent comes out of your bank account. No fees, lots of perks, and 5% savings on EVERYTHING! You can’t go wrong.

I feel that I need to point out that I only make purchases at Target which I already would have anyway. I don’t buy things JUST to get the 5%-off. Doing that is where a lot of people can get into trouble. It’s important to comparison shop and make sure that you are still getting the best overall deal, and staying within your monthly budget.

If you would like more information on the Target REDcard everything you need is available here.

Finally I want to share a tool that I have used several years to once again earn FREE month every month…

***Wal-Mart Savings Catcher

The Wal-Mart Savings Catcher is very unique. Every time you shop at Wal-Mart you simply, first off, save your receipt. Using either the website or the available app, you enter your receipts, and it automatically after that compares your purchases to other local grocery stores, other national chains, and other convenience stores.

After a few days of processing you get back what, if any, savings that you could have otherwise earned shopping elsewhere. Doing just this I have earned enough Wal-Mart Bucks (money that can be spent at Wal-Mart or Wal-Mart.com) to get a free toaster oven, a free doormat, free food purchases, all sorts of things.

If you would like more information on the Wal-Mart Savings Catcher simply click here.

Final Thoughts:

These three tools, if you ask me, are all no-brainers. They are all free money simply for shopping like you already would have. The PayPal Business Debit MasterCard gets you 1% cash back ANYWHERE you shop and use the credit option. Target REDcard gets you 5% off of ANY Target purchase. Finally, the Wal-Mart Savings Catcher can save you HUGE depending on what you buy which may be on sale somewhere else, that you may have otherwise missed.

 

I recommend just sticking with your regular budget (and if you don’t have one get started, it’s easy!) and not making purchases just to feel like you are saving money, so why not? Keeping this in mind while you shop and use these tools will keep you out of trouble. Who doesn’t like earning free money? I know I do!

Thank you for reading and if you have any questions or comments please leave them below, and I will respond!

Thanks again!

Brent Ott