tag:blogger.com,1999:blog-39105715914103034992024-02-07T15:10:55.373-08:00You know what?Unknownnoreply@blogger.comBlogger67125tag:blogger.com,1999:blog-3910571591410303499.post-85337976411969238992023-04-11T18:05:00.010-07:002023-04-14T00:28:01.542-07:00Diversifying investment in Gold and Silver<p> If you looking to diversify your investments into Precious metals like Gold or Silver, you have few options</p><p></p><ul style="text-align: left;"><li>Exchange-traded funds (ETFs) and mutual funds that track the price of gold or silver</li><li>Investing in mining companies</li><li>Buying jewelry</li><li>Buy and hold physical coins, rounds or bars</li></ul><div>While buying physical gold or silver, you have few options</div><div><ul style="text-align: left;"><li>Buy and hold it in your possession either at your place or in a place like a bank locker.</li><li>Buy and let some custodian hold it for you. This is called vaulted gold/silver</li></ul><div>When buying physical gold in small amounts, you pay a high premium on top of the spot price. So you end up paying much more. If you are buying huge amounts at a time, this may not be a big issue. For small investors who plan to slowly build their Gold/Silver portfolio, this is a big hurdle.</div><div><br /></div><div>I have been using <a href="https://silver.vaulted.com?kid=2PYR2M">Vaulted.com</a> and happy with the experience.</div></div><div><br /></div><div><a href="https://silver.vaulted.com?kid=2PYR2M" rel="nofollow" target="_blank">Vaulted</a> allows you to buy Gold (Silver soon) online. You may buy for as little as $10. As per <a href="https://silver.vaulted.com?kid=2PYR2M" rel="nofollow" target="_blank">Vaulted</a>,</div><div><ul style="text-align: left;"><li>Your purchase is allocated, which means, your holding are mapped to a real kilo bar in Royal Canadian Mint (RCM). </li><li>Your investments are stored in Vault in Royal Canadian Mint.</li><li>The investment is insured.</li><li>You can request a physical delivery of your holdings. If you have kilo bars, you can request it delivered to your address. If it is less than a kilo bar, it can be converted to coins with appropriate fees and delivered.</li><li>Vault Plan - Monthly or Biweekly automatic investment</li><li>ACH or Wired transfer to fund or withdraw.</li><li>Need to be at least 60 days before you can withdraw, if funded through ACH</li><li>You may buy and sell any time during normal trading hours.</li></ul><div>Fees:</div><div><ul style="text-align: left;"><li>1.8% on purchase</li><li>1.8% on sale</li><li>0.4% annually for holding your investment in vault (taken either from cash balance or from your gold investment)</li></ul><div><a href="https://silver.vaulted.com?kid=2PYR2M" rel="nofollow" target="_blank">Vaulted</a> is expected to offer Silver trading soon. Get in the waitlist now and you may be eligible to receive 1 oz silver coin and may be eligible for 1 year of free vault service.</div></div><div><br /></div><div>Use my link (<a href="https://silver.vaulted.com?kid=2PYR2M">https://silver.vaulted.com?kid=2PYR2M</a>) to join the Silver Waitlist.</div></div><div><br /></div><div>Please refer to the official website for accurate and up to date information. The information presented here is just my understanding of the service.</div><p></p><div class="blogger-post-footer"><script type="text/javascript"><!--
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So this may not be an issue for many.</li><li>Didn't come with sunglass holder.</li><li>It is inconvenient to open the right door with left hand and left door with right hand</li><li>Head feels warmer than rest of the body, when high temp outside. You may buy roof shade from Tesla for $120.</li><li>Bumpy ride (may get better over time)</li><li>Uncomfortable seat (yet to find comfortable position)</li><li>No quick way to open glovebox. But one good thing is it has passcode lock option</li><li>No Apple car play / Android auto (One extra step to send address to car), but can connect phone via bluetooth to play music.</li><li>Needs premium subscription ($9.99+tax/month or $99+tax/year) to view traffic data which is available for free in google maps that is not supported by Tesla</li><li>No usb port (only usb-c port available. Wireless charging available as well. I don't have wireless charging option on my phone)</li><li>Cannot set both start and end time for off peak hours for charging</li><li>No seat cooling</li><li>Need left index or thumb plus another finger to open door comfortably. If carrying things in both hands, can't open door if only one or two adjacent fingers besides thumb are free. I could unlock (keyless) and open my previous non-Tesla car with just one finger.</li><li>Since the roof is all glass, the lights are located on the sides above the door and are not very bright</li><li>I rub my skin at the back of my hand against the center console every time I buckle and unbuckle my seat belt, as the gap between the center console and me is very narrow. It is slightly annoying.</li><li>If you are some one who disables the bluetooth on the phone most of the time or closes the Tesla app as it drains your phone battery, you need to remember to turn bluetooth on and/or open the Tesla app before you reach your car if you plan to use the phone key and don't want to wait outside the car while you turn on bluetooth and/or open Tesla app. I call this the "Embarrassment mode" - Every now and then phone key doesn't work properly. You go to the car and try opening the door and it won't open. You will need to either open the app in the foreground or close and reopen the app or disconnect and reconnect the Bluetooth. Note: my phone keeps warning me about Tesla app using too much battery. If I close the app to save phone battery, then also I get to experience the embarrassment mode.</li><li><strike>No Key Fob option for Model Y. The key fob option is available only for Model S and X. If you are some one who forgets to take the phone with you when you leave the car, you would be leaving the car unlocked (if you are using the phone key). If you think key fob for Model Y is available, please let me know in the comments.</strike></li><li>Incoming calls cannot be answered using button/scroll on the steering wheel. Can be answered only by touching a button on the display screen, which is a distraction while driving.</li><li>It is not possible to lock the car, keyless, while standing next to the car. It may lock by itself after some time. In my old car, I could lock the car, keyless, by pressing the button on the door knob.</li><li>It is possible that even if the car is locked, if the phone is on one side, someone could unlock and open the door from other side of the car.</li><li>I am able to drive the car even when the phone key is not inside the car (when it is near by). I am wondering if someone can get in and drive the car if the phone key is within range of the car.</li><li>It is not possible to unlock the car keyless without opening the door. Many cars have the option to unlock by placing the hand on the door knob without opening the door.</li><li>Temperature cannot be controlled separately for the rear</li><li>Unable to turn on the interior lights when the car is not turned on. Especially when there is no one at the driver seat and you are in the back seat and want to turn on the lights, I don't know a way to do it. In other cars, you will be able to turn on the lights by reaching for the button on the roof of front seat.</li><li>Rear door window does not roll down completely. After complete roll down, 1/3 of the window is still up.</li></ul></div><div><br /></div><div>Note: The above information just my observation as of 12/1/2022. The prices mentioned here may not be accurate. Please do your own research to get accurate information.</div><div><br /></div><div class="blogger-post-footer"><script type="text/javascript"><!--
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Check <a href="https://crypto.com/us/cards" rel="nofollow" target="_blank">here</a> for the card tiers.</span></p><p><span style="font-size: medium;">Perks include (depending on the tier you choose) cash back Up to 8% in crypto (CRO), up to 100% credits for certain services like Spotify, Netflix, Amazon Prime and higher cash back in Expedia, AirBnb, Airport Lounge access, private jet membership, higher earnings rate on crypto and stable coins like USDC (up to <strike>12%</strike> APR) depending on the amount of CRO is staked.</span></p><p><span style="font-size: medium;">Note: Crypto.com could make changes to their benefits/perks/rates at any time.</span></p><p><b><span style="color: #cc0000;">Changes to crypto earn program effective April 4th, 2022:</span></b> https://crypto.com/product-news/changes-to-crypto-earn</p><p><b><span style="font-size: medium;">Pros:</span></b></p><p></p><ol style="text-align: left;"><li><span style="font-size: medium;">Earn cash back in Crypto (CRO). 1% to 8% cash back (paid instantly) at the time of this writing.</span></li><li><span style="font-size: medium;">Ability to convert your crypto to cash and use to pay using card instantly</span></li><li><span style="font-size: medium;">Earn higher interest on your crypto deposits (for certain tier crypto.com Visa cards) paid weekly. Up to <strike>12%</strike> APR on stable coins (like USDC) at the time of this writing. You can check the interest rates for different terms with different CRO staked amounts <a href="https://crypto.com/us/earn" rel="nofollow" target="_blank">here</a>.</span></li><li><span style="font-size: medium;">Earn credits up to 100% (in CRO) for certain services (for certain tier crypto.com Visa cards). The services may include Spotify, Netflix, Amazon Prime.</span></li><li><span style="font-size: medium;">Airport Lounge access (for certain tier crypto.com Visa cards)</span></li><li><span style="font-size: medium;">Can be used with Google Pay or Apple Pay. So you may be able to make use of any additional rewards/cash back that comes with Google Pay or Apple Pay when using linked cards.</span></li><li><span style="font-size: medium;">Metal card for higher tier cards</span></li></ol><div><b><span style="font-size: medium;">Cons:</span></b></div><div><ol style="text-align: left;"><li><span style="font-size: medium;">Requires locking your crypto (by staking) for 180 days to get the higher tier card with better benefits</span></li><li><span style="font-size: medium;">Card does not provide cash back on all transactions. There are some restrictions. Restrictions may include - gas, electricity, water, sewage, mortgage, insurance premiums. The restrictions are subject to change. Please refer to the official site. More details can be found <a href="https://help.crypto.com/en/articles/4597450-restriction-of-cro-rewards-program" rel="nofollow" target="_blank">here</a>.</span></li><li><span style="font-size: medium;">You need to deal with filing taxes for Crypto earned, received as credits or cash back depending on the the tax laws in the country you live in.</span></li><li><span style="font-size: medium;">This is a prepaid card and requires you to top your card to use for purchases</span></li><li><span style="font-size: medium;">Funds topped into the card cannot be transferred back to your Fiat wallet. It can only be spent or withdrawn via ATM withdrawals. But there is a monthly withdrawal limit and the ATMs may charge you some fees to withdraw.</span></li><li><span style="font-size: medium;">Since you will be using stable coin (crypto version of fiat), it comes with the risk of crypto (the stable coin losing its value, probably much lower than risk of any regular crypto like Bitcoin losing it's value)</span></li></ol><div><span style="font-size: medium;"><b style="font-size: medium;"><span style="color: #cc0000;">Changes to crypto earn program effective April 4th, 2022:</span></b><span style="font-size: medium;"> https://crypto.com/product-news/changes-to-crypto-earn</span></span></div><div><span style="font-size: medium;"><b><br /></b></span></div><div><span style="font-size: medium;"><b>Questions:</b></span></div><div><i><span style="font-size: x-small;">Please refer to crypto.com for accurate answers. Following Q&A is my understanding about crypto.com app and CRO staking for Visa card</span></i></div><div><br /></div><div>1. Will I lose the card benefits, if the value of the staked CRO goes down in value?</div><div>Answer: The card perks are maintained as long as you do not un-stake the CRO and Crypto.com continues to offer the perk.</div><div><br /></div><div>2. How often are CRO Staking rewards paid?</div><div>Answer: Every week</div><div><br /></div><div>3. Will the staking rewards change every week based on the value of the CRO coin?</div><div>Answer: The staking rewards are paid in CRO and is calculated on the amount of CRO staked. So you would receive the same amount of CRO coins every week as staking rewards. However due to the change in USD value of CRO coin, the USD value of CRO coin received will vary.</div><div><br /></div><div><span style="font-size: medium;"><span face="Arial, Helvetica, sans-serif" style="background-color: white;">If you like to get the Crypto.com Visa card, use my referral link </span><a data-saferedirecturl="https://www.google.com/url?q=https://crypto.com/app/3drjkhsp2p&source=gmail&ust=1634538551071000&usg=AFQjCNGbECgLhhGitpjxFRTYMR4ApFZtuQ" fg_scanned="1" href="https://crypto.com/app/3drjkhsp2p" style="background-color: white; font-family: Arial, Helvetica, sans-serif;" target="_blank">https://crypto.com/app/<wbr></wbr>3drjkhsp2p</a><span face="Arial, Helvetica, sans-serif" style="background-color: white;"> to sign up for Crypto.com and we both get $25 USD if you get the card with staking requirements (Ruby card at the time of this writing).</span></span></div></div><div><span face="Arial, Helvetica, sans-serif" style="background-color: white; font-size: medium;"><br /></span></div><div><span face="Arial, Helvetica, sans-serif" style="background-color: white; font-size: medium;"><a href="https://crypto.com/app/3drjkhsp2p" rel="nofollow" target="_blank">Sign up now using this link</a> to get Crypto.com Visa Prepaid Card and if you chose to get the card with staking requirements, we both get $25 for using my link to sign up.</span></div><div><span face="Arial, Helvetica, sans-serif" style="background-color: white; font-size: medium;"><br /></span></div><div><span face="Arial, Helvetica, sans-serif" style="background-color: white; font-size: medium;">If you would like to consolidate all your cards into one and have a thin wallet, you may want to try <a href="http://curve.com/usa?rc=MmOlm1MX" rel="nofollow" target="_blank">Curve Card</a>. You may add to waitlist <a href="http://curve.com/usa?rc=MmOlm1MX" rel="nofollow" target="_blank">here.</a> I do not know what the fine details will be for the Curve Card when released in US. But I am hoping it comes with some cash back (in addition to linked card rewards) and "Go back in time feature". Go back in time would allow the user to change the card that was used in a transaction up to certain time after the transaction is done. We will know what features are present when the card is made available.</span></div><div><span face="Arial, Helvetica, sans-serif" style="background-color: white; font-size: medium;"><br /></span></div><div><span face="Arial, Helvetica, sans-serif" style="background-color: white; font-size: medium;">You may buy a <a href="https://shop.ledger.com/pages/ledger-nano-s-plus?r=d9c4ec78c854&tracker=bluedigest" rel="nofollow" target="_blank">Ledger Nano hardware wallet</a> at the official site <a href="https://shop.ledger.com/pages/ledger-nano-s-plus?r=d9c4ec78c854&tracker=bluedigest" rel="nofollow" target="_blank">here</a>.</span></div><p></p><div class="blogger-post-footer"><script type="text/javascript"><!--
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The priority Date cut off date for Employment based EB2 category for Indians and Chinese.<br />
<br />
<span face=""arial" , sans-serif" style="background-color: white; font-size: 12px; line-height: 16.8px;"><span style="color: #b45f06;">Update Mar 2016: When USCIS determines there are immigrant visas available for the filing of additional adjustment of status applications, the<b> Dates for Filing Applications</b> chart may be used to determine when to file an adjustment of status application with USCIS. Otherwise, the A<b>pplication Final Action Dates </b>chart must be used to determine when to file an adjustment of status application with USCIS.</span></span><br />
<span style="display: none;">january febrary march april may june july august september october november december visa green card greencard gc employment</span><br />
<br />
So depending up on if the visas are available, the corresponding dates are highlighted.<br />
<br />
<b><span style="font-size: large;"><span style="color: #b45f06;">>> Try the car pool mobile app - <a href="http://bluedigest.blogspot.com/2016/11/easy-carpool-with-scoop-20-promocode.html" target="_blank">Scoop</a></span> <span style="color: #b45f06;">and get</span> <span style="color: blue;"><a href="http://bluedigest.blogspot.com/2016/11/easy-carpool-with-scoop-20-promocode.html" target="_blank">free credits with PROMO CODE</a> </span></span></b><b><span style="font-size: large;"><span style="color: #b45f06;"><<</span></span></b><br />
<b><span style="font-size: large;"><span style="color: #b45f06;">Save money - Escape the traffic - Worry free commute</span></span></b><br />
<b><span style="font-size: large;"><span style="color: #b45f06;">(If not available in your area, join now to get it in your area)</span></span></b><br />
<br />
<a href="http://bluedigest.blogspot.com/2016/05/eb1-eb2-eb3-india-china-pending.html" target=""><span style="font-size: large;">Number of pending I-485 applications for India and China</span></a><br />
<br />
EB2/EB3 India Priority Date Cut-off Dates
<br />
<table border="2" style="text-align: left;"><tbody>
<tr><td>Month/Year</td><td>India EB2<br />
Filing</td><td>India EB2<br />
Final Action</td><td>India EB3<br />
Filing</td><td>India EB3<br />
Final Action</td></tr>
<tr><td>Jul, 2021</td><td>XXXXXXX</td><td><b>XXXXXXX</b></td><td>XXXXXXX</td><td><b>XXXXXXX</b></td></tr>
<tr><td>Jun, 2021</td><td>01AUG11</td><td><b>01DEC10</b></td><td>01JAN14</td><td><b>01NOV11</b></td></tr>
<tr><td>May, 2021</td><td>15MAY11</td><td><b>01AUG10</b></td><td>01JAN14</td><td><b>01FEB11</b></td></tr>
<tr><td>Apr, 2021</td><td>15MAY11</td><td><b>01MAY10</b></td><td>01JAN14</td><td><b>01SEP10</b></td></tr>
<tr><td>Mar, 2021</td><td>15MAY11</td><td><b>15JAN10</b></td><td>01JAN14</td><td><b>01JUL10</b></td></tr>
<tr><td>Feb, 2021</td><td>15MAY11</td><td><b>12OCT09</b></td><td>01JAN14</td><td><b>01APR10</b></td></tr>
<tr><td>Jan, 2021</td><td>15MAY11</td><td><b>08OCT09</b></td><td>01JAN14</td><td><b>22MAR10</b></td></tr>
<tr><td>Dec, 2020</td><td>15MAY11</td><td><b>01OCT09</b></td><td>01JAN14</td><td><b>15MAR10</b></td></tr>
<tr><td>Nov, 2020</td><td>15MAY11</td><td><b>22SEP09</b></td><td>01JAN15</td><td><b>01MAR10</b></td></tr>
<tr><td>Oct, 2020</td><td>15MAY11</td><td><b>01SEP09</b></td><td>01JAN15</td><td><b>15JAN10</b></td></tr>
<tr><td>Sep, 2020</td><td>15AUG09</td><td><b>08JUL09</b></td><td>01FEB10</td><td><b>01OCT09</b></td></tr>
</tbody></table>
<br />
EB2 Priority Date Cut-off Dates
<br />
<table border="2" style="text-align: left;"><tbody>
<tr><td>Month/Year</td><td>India<br />
Filing</td><td>India<br />
Final Action</td><td>China<br />
Filing</td><td>China<br />
Final Action</td></tr>
<tr><td>Jul, 2021</td><td>XXXXXXX</td><td><b>XXXXXXX</b></td><td>XXXXXXX</td><td><b>XXXXXXX</b></td></tr>
<tr><td>Jun, 2021</td><td>01AUG11</td><td><b>01DEC10</b></td><td>01JAN18</td><td><b>01MAY17</b></td></tr>
<tr><td>May, 2021</td><td>15MAY11</td><td><b>01AUG10</b></td><td>01JUL17</td><td><b>01DEC16</b></td></tr>
<tr><td>Apr, 2021</td><td>15MAY11</td><td><b>01MAY10</b></td><td>01JAN17</td><td><b>01SEP16</b></td></tr>
<tr><td>Mar, 2021</td><td>15MAY11</td><td><b>15JAN10</b></td><td>01OCT16</td><td><b>15JUL16</b></td></tr>
<tr><td>Feb, 2021</td><td>15MAY11</td><td><b>12OCT09</b></td><td>01OCT16</td><td><b>15JUN16</b></td></tr>
<tr><td>Jan, 2021</td><td>15MAY11</td><td><b>08OCT09</b></td><td>01OCT16</td><td><b>01JUN16</b></td></tr>
<tr><td>Dec, 2020</td><td>15MAY11</td><td><b>01OCT09</b></td><td>01OCT16</td><td><b>01MAY16</b></td></tr>
<tr><td>Nov, 2020</td><td>15MAY11</td><td><b>22SEP09</b></td><td>01OCT16</td><td><b>22APR16</b></td></tr>
<tr><td>Oct, 2020</td><td>15MAY11</td><td><b>01SEP09</b></td><td>01OCT16</td><td><b>01MAR16</b></td></tr>
<tr><td>Sep, 2020</td><td>15AUG09</td><td><b>08JUL09</b></td><td>01AUG16</td><td><b>15JAN16</b></td></tr>
<tr><td>Aug, 2020</td><td>15AUG09</td><td><b>08JUL09</b></td><td>01AUG16</td><td><b>15JAN16</b></td></tr>
<tr><td>Jul, 2020</td><td>15AUG09</td><td><b>08JUL09</b></td><td>01AUG16</td><td><b>08NOV15</b></td></tr>
<tr><td>Jun, 2020</td><td>01JUL09</td><td><b>12JUN09</b></td><td>01AUG16</td><td><b>01NOV15</b></td></tr>
<tr><td>May, 2020</td><td>01JUL09</td><td><b>02JUN09</b></td><td>01AUG16</td><td><b>01OCT15</b></td></tr>
<tr><td>Apr, 2020</td><td>01JUL09</td><td><b>25MAY09</b></td><td>01AUG16</td><td><b>01SEP15</b></td></tr>
<tr><td>Mar, 2020</td><td>01JUL09</td><td><b>22MAY09</b></td><td>01AUG16</td><td><b>15AUG15</b></td></tr>
<tr><td>Feb, 2020</td><td>01JUL09</td><td><b>19MAY09</b></td><td>01AUG16</td><td><b>15JUL15</b></td></tr>
<tr><td>Jan, 2020</td><td>01JUL09</td><td><b>18MAY09</b></td><td>01AUG16</td><td><b>01JUL15</b></td></tr>
<tr><td>Dec, 2019</td><td>01JUL09</td><td><b>15MAY09</b></td><td>01AUG16</td><td><b>22JUN15</b></td></tr>
<tr><td>Nov, 2019</td><td>01JUL09</td><td><b>13MAY09</b></td><td>01AUG16</td><td><b>15MAR15</b></td></tr>
<tr><td>Oct, 2019</td><td>01JUL09</td><td><b>12MAY09</b></td><td>01AUG16</td><td><b>01JAN15</b></td></tr>
<tr><td>Sep, 2019</td><td>01JUN09</td><td><b>08MAY09</b></td><td>01JUN17</td><td><b>01JAN17</b></td></tr>
<tr><td>Aug, 2019</td><td>01JUN09</td><td><b>02MAY09</b></td><td>01FEB17</td><td><b>01JAN17</b></td></tr>
<tr><td>Jul, 2019</td><td>01JUN09</td><td><b>24APR09</b></td><td>01FEB17</td><td><b>01NOV16</b></td></tr>
<tr><td>Jun, 2019</td><td>01JUN09</td><td><b>19APR09</b></td><td>01NOV16</td><td><b>01AUG16</b></td></tr>
<tr><td>May, 2019</td><td>01JUN09</td><td><b>16APR09</b></td><td>01SEP16</td><td><b>15MAY16</b></td></tr>
<tr><td>Apr, 2019</td><td>01JUN09</td><td><b>12APR09</b></td><td>01JUL16</td><td><b>01APR16</b></td></tr>
<tr><td>Mar, 2019</td><td>22MAY09</td><td><b>09APR09</b></td><td>01MAY16</td><td><b>01JAN16</b></td></tr>
<tr><td>Feb, 2019</td><td>22MAY09</td><td><b>06APR09</b></td><td>01NOV15</td><td><b>01OCT15</b></td></tr>
<tr><td>Jan, 2019</td><td>22MAY09</td><td><b>01APR09</b></td><td>08SEP15</td><td><b>01AUG15</b></td></tr>
<tr><td>Dec, 2018</td><td>22MAY09</td><td><b>01APR09</b></td><td>08SEP15</td><td><b>01JUL15</b></td></tr>
<tr><td>Nov, 2018</td><td>22MAY09</td><td><b>26MAR09</b></td><td>15JUN15</td><td><b>15MAY15</b></td></tr>
<tr><td>Oct, 2018</td><td>22MAY09</td><td><b>26MAR09</b></td><td>15JUN15</td><td><b>01APR15</b></td></tr>
<tr><td>Sep, 2018</td><td>22MAY09</td><td><b>01JAN07</b></td><td>01APR15</td><td><b>01JAN13</b></td></tr>
<tr><td>Aug, 2018</td><td>22MAY09</td><td><b>15MAR09</b></td><td>01APR15</td><td><b>01MAR15</b></td></tr>
<tr><td>Jul, 2018</td><td>22MAY09</td><td><b>15MAR09</b></td><td>01APR15</td><td><b>01JAN15</b></td></tr>
<tr><td>Jun, 2018</td><td>01APR09</td><td><b>26DEC08</b></td><td>01FEB15</td><td><b>01SEP14</b></td></tr>
<tr><td>May, 2018</td><td>01APR09</td><td><b>22DEC08</b></td><td>01FEB15</td><td><b>01SEP14</b></td></tr>
<tr><td>Apr, 2018</td><td>08FEB09</td><td><b>22DEC08</b></td><td>01FEB15</td><td><b>01AUG14</b></td></tr>
<tr><td>Mar, 2018</td><td>08FEB09</td><td><b>15DEC08</b></td><td>01FEB15</td><td><b>08DEC13</b></td></tr>
<tr><td>Feb, 2018</td><td>08FEB09</td><td><b>08DEC08</b></td><td>15NOV14</td><td><b>01OCT13</b></td></tr>
<tr><td>Jan, 2018</td><td>08FEB09</td><td><b>22NOV08</b></td><td>15NOV13</td><td><b>08AUG13</b></td></tr>
<tr><td>Dec, 2017</td><td>08FEB09</td><td><b>01NOV08</b></td><td>15NOV13</td><td><b>01JUL13</b></td></tr>
<tr><td>Nov, 2017</td><td>08FEB09</td><td><b>08OCT08</b></td><td>15NOV13</td><td><b>15JUN13</b></td></tr>
<tr><td>Oct, 2017</td><td>08FEB09</td><td><b>15SEP08</b></td><td>15NOV13</td><td><b>22MAY13</b></td></tr>
<tr><td>Sep, 2017</td><td>01FEB09</td><td><b>22AUG08</b></td><td>01OCT13</td><td><b>15MAY13</b></td></tr>
<tr><td>Aug, 2017</td><td>01FEB09</td><td><b>22JUL08</b></td><td>01OCT13</td><td><b>22APR13</b></td></tr>
<tr><td>Jul, 2017</td><td>01FEB09</td><td><b>22JUL08</b></td><td>01OCT13</td><td><b>22MAR13</b></td></tr>
<tr><td>Jun, 2017</td><td>01FEB09</td><td><b>01JUL08</b></td><td>01OCT13</td><td><b>01MAR13</b></td></tr>
<tr><td>May, 2017</td><td>01FEB09</td><td><b>22JUN08</b></td><td>01OCT13</td><td><b>08FEB13</b></td></tr>
<tr><td>Apr, 2017</td><td>22APR09</td><td><b>22JUN08</b></td><td>01MAR13</td><td><b>15JAN13</b></td></tr>
<tr><td>Mar, 2017</td><td>22APR09</td><td><b>01JUN08</b></td><td>01MAR13</td><td><b>15DEC12</b></td></tr>
<tr><td>Feb, 2017</td><td>22APR09</td><td><b>15APR08</b></td><td>01MAR13</td><td><b>15NOV12</b></td></tr>
<tr><td>Jan, 2017</td><td>22APR09</td><td><b>15APR08</b></td><td>01MAR13</td><td><b>15OCT12</b></td></tr>
<tr><td>Dec, 2016</td><td>22APR09</td><td><b>01FEB08</b></td><td>01MAR13</td><td><b>22SEP12</b></td></tr>
<tr><td>Nov, 2016</td><td>22APR09</td><td><b>01NOV07</b></td><td>01MAR13</td><td><b>15JUL12</b></td></tr>
<tr><td>Oct, 2016</td><td>22APR09</td><td><b>15JAN07</b></td><td>01MAR13</td><td><b>15FEB12</b></td></tr>
<tr><td>Sep, 2016</td><td>01JUL09</td><td><b>22FEB05</b></td><td>01JUN13</td><td><b>01JAN10</b></td></tr>
<tr><td>Aug, 2016</td><td>01JUL09</td><td><b>15NOV04</b></td><td>01JUN13</td><td><b>01JAN10</b></td></tr>
<tr><td>Jul, 2016</td><td>01JUL09</td><td><b>01NOV04</b></td><td>01JUN13</td><td><b>01JAN10</b></td></tr>
<tr><td>Jun, 2016</td><td>01JUL09</td><td><b>01OCT04</b></td><td>01JUN13</td><td><b>01JAN10</b></td></tr>
<tr><td>May, 2016</td><td>01JUL09</td><td><b>22NOV08</b></td><td>01JUN13</td><td><b>01SEP12</b></td></tr>
<tr><td>Apr, 2016</td><td>01JUL09</td><td><b>08NOV08</b></td><td>01JUN13</td><td><b>01SEP12</b></td></tr>
<tr><td>Mar, 2016</td><td>01JUL09</td><td><b>15OCT08</b></td><td>01JUN13</td><td><b>01AUG12</b></td></tr>
<tr><td>Feb, 2016</td><td>01JUL09</td><td><b>01AUG08</b></td><td>01JAN13</td><td><b>01MAR12</b></td></tr>
<tr><td>Jan, 2016</td><td>01JUL09</td><td><b>01FEB08</b></td><td>01JAN13</td><td><b>01FEB12</b></td></tr>
<tr><td>Dec, 2015</td><td>01JUL09</td><td><b>01JUN07</b></td><td>01JAN13</td><td><b>01FEB12</b></td></tr>
<tr><td>Nov, 2015</td><td>01JUL09</td><td><b>01AUG06</b></td><td>01JAN13</td><td><b>01FEB12</b></td></tr>
<tr><td>Oct, 2015<br />
<span style="color: red; font-size: x-small;"><b>(Revised on </b></span><br />
<span style="color: red; font-size: x-small;"><b>Sep 25th)</b></span></td><td>01JUL09</td><td><b>01MAY05</b></td><td>01JAN13</td><td><b>01JAN12</b></td></tr>
</tbody></table>
<br />
<table border="2" style="text-align: left;"><tbody>
<tr><td>Month/Year</td><td>India</td><td>China</td></tr>
<tr><td>Sep, 2015</td><td>01JAN06</td><td>01JAN06</td></tr>
<tr><td>Aug, 2015</td><td>01OCT08</td><td>15DEC13</td></tr>
<tr><td>Jul, 2015</td><td>01OCT08</td><td>01OCT13</td></tr>
<tr><td>Jun, 2015</td><td>01OCT08</td><td>01JUN13</td></tr>
<tr><td>May, 2015</td><td>15APR08</td><td>01JUN12</td></tr>
<tr><td>Apr, 2015</td><td>01SEP07</td><td>01APR11</td></tr>
<tr><td>Mar, 2015</td><td>01JAN07</td><td>01SEP10</td></tr>
<tr><td>Feb, 2015</td><td>01SEP05</td><td>15MAR10</td></tr>
<tr><td>Jan, 2015</td><td>15FEB05</td><td>01FEB10</td></tr>
<tr><td>Dec, 2014</td><td>15FEB05</td><td>01JAN10</td></tr>
<tr><td>Nov, 2014</td><td>15FEB05</td><td>08DEC09</td></tr>
<tr><td>Oct, 2014</td><td>01MAY09</td><td>15NOV09</td></tr>
<tr><td>Sep, 2014</td><td>01MAY09</td><td>08OCT09</td></tr>
<tr><td>Aug, 2014</td><td>22JAN09</td><td>08OCT09</td></tr>
<tr><td>Jul, 2014</td><td>01SEP08</td><td>01JUL09</td></tr>
<tr><td>Jun, 2014</td><td>15NOV04</td><td>22MAY09</td></tr>
<tr><td>May, 2014</td><td>15NOV04</td><td>15APR09</td></tr>
<tr><td>Apr, 2014</td><td>15NOV04</td><td>08MAR09</td></tr>
<tr><td>Mar, 2014</td><td>15NOV04</td><td>15FEB09</td></tr>
<tr><td>Feb, 2014</td><td>15NOV04</td><td>08NOV09</td></tr>
<tr><td>Jan, 2014</td><td>15NOV04</td><td>08NOV08</td></tr>
<tr><td>Dec, 2013</td><td>15NOV04</td><td>08NOV08</td></tr>
<tr><td>Nov, 2013</td><td>15JUN08</td><td>08OCT08</td></tr>
<tr><td>Oct, 2013</td><td>15JUN08</td><td>15SEP08</td></tr>
<tr><td>Sep, 2013</td><td>15JUN08</td><td>08AUG08</td></tr>
<tr><td>Aug, 2013</td><td>01JAN08</td><td>08AUG08</td></tr>
<tr><td>Jul, 2013</td><td>01SEP04</td><td>08AUG08</td></tr>
<tr><td>Jun, 2013</td><td>01SEP04</td><td>15JUL08</td></tr>
<tr><td>May, 2013</td><td>01SEP04</td><td>15MAY08</td></tr>
<tr><td>Apr, 2013</td><td>01SEP04</td><td>01APR08</td></tr>
<tr><td>Mar, 2013</td><td>01SEP04</td><td>15FEB08</td></tr>
<tr><td>Feb, 2013</td><td>01SEP04</td><td>15JAN08</td></tr>
<tr><td>Jan, 2013</td><td>01SEP04</td><td>08DEC07</td></tr>
<tr><td>Dec, 2012</td><td>01SEP04</td><td>22OCT07</td></tr>
<tr><td>Nov, 2012</td><td>01SEP04</td><td>01SEP07</td></tr>
<tr><td>Oct, 2012</td><td>01SEP04</td><td>15JUL07</td></tr>
<tr><td>Sep, 2012</td><td><span style="color: #cc0000;">Unavailable</span></td><td><span style="color: #cc0000;">Unavailable</span></td></tr>
<tr><td>Aug, 2012</td><td><span style="color: #cc0000;">Unavailable</span></td><td><span style="color: #cc0000;">Unavailable</span></td></tr>
<tr><td>Jul, 2012</td><td><span style="color: #cc0000;">Unavailable</span></td><td><span style="color: #cc0000;">Unavailable</span></td></tr>
<tr><td>Jun, 2012</td><td><span style="color: #cc0000;">Unavailable</span></td><td><span style="color: #cc0000;">Unavailable</span></td></tr>
<tr><td>May, 2012</td><td>15AUG07</td><td>15AUG07</td></tr>
<tr><td>Apr, 2012</td><td>01MAY10</td><td>01MAY10</td></tr>
<tr><td>Mar, 2012</td><td>01MAY10</td><td>01MAY10</td></tr>
<tr><td>Feb, 2012</td><td>01JAN10</td><td>01JAN10</td></tr>
<tr><td>Jan, 2012</td><td>01JAN09</td><td>01JAN09</td></tr>
<tr><td>Dec, 2011</td><td>15MAR08</td><td>15MAR08</td></tr>
<tr><td>Nov, 2011</td><td>01NOV07</td><td>01NOV07</td></tr>
<tr><td>Oct, 2011</td><td>15JUL07</td><td>15JUL07</td></tr>
<tr><td>Sep, 2011</td><td>15APR07</td><td>15APR07</td></tr>
<tr><td>Aug, 2011</td><td>15APR07</td><td>15APR07</td></tr>
<tr><td>Jul, 2011</td><td>08MAR07</td><td>08MAR07</td></tr>
<tr><td>Jun, 2011</td><td>15OCT06</td><td>15OCT06</td></tr>
<tr><td>May, 2011</td><td>01JUL06</td><td>01AUG06</td></tr>
<tr><td>Apr, 2011</td><td>08MAY06</td><td>22JUL06</td></tr>
<tr><td>Mar, 2011</td><td>08MAY06</td><td>08JUL06</td></tr>
<tr><td>Feb, 2011</td><td>08MAY06</td><td>01JUL06</td></tr>
<tr><td>Jan, 2011</td><td>08MAY06</td><td>22JUN06</td></tr>
<tr><td>Dec, 2010</td><td>08MAY06</td></tr>
<tr><td>Nov, 2010</td><td>08MAY06</td></tr>
<tr><td>Oct, 2010</td><td>08MAY06</td></tr>
<tr><td>Sep, 2010</td><td>08MAY06</td></tr>
<tr><td>Aug, 2010</td><td>01MAR06</td></tr>
<tr><td>Jul, 2010</td><td>01OCT05</td></tr>
<tr><td>Jun, 2010</td><td>01FEB05</td></tr>
<tr><td>May, 2010</td><td>01FEB05</td></tr>
<tr><td>Apr, 2010</td><td>01FEB05</td></tr>
<tr><td>Mar, 2010</td><td>01FEB05</td></tr>
<tr><td>Feb, 2010</td><td>22JAN05</td></tr>
<tr><td>Jan, 2010</td><td>22JAN05</td></tr>
<tr><td>Dec, 2009</td><td>22JAN05</td></tr>
<tr><td>Nov, 2009</td><td>22JAN05</td></tr>
<tr><td>Oct, 2009</td><td>22JAN05</td></tr>
<tr><td>Sep, 2009</td><td>08JAN05</td></tr>
<tr><td>Aug, 2009</td><td>01OCT03</td></tr>
<tr><td>Jul, 2009</td><td>01JAN00</td></tr>
<tr><td>Jun, 2009</td><td>01JAN00</td></tr>
<tr><td>May, 2009</td><td>15FEB04</td></tr>
<tr><td>Apr, 2009</td><td>15FEB04</td></tr>
<tr><td>Mar, 2009</td><td>15FEB04</td></tr>
<tr><td>Feb, 2009</td><td>01JAN04</td></tr>
<tr><td>Jan, 2009</td><td>01JUL03</td></tr>
<tr><td>Dec, 2008</td><td>01JUN03</td></tr>
<tr><td>Nov, 2008</td><td>01JUN03</td></tr>
<tr><td>Oct, 2008</td><td>01APR03</td></tr>
<tr><td>Sep, 2008</td><td>01AUG06</td></tr>
<tr><td>Aug, 2008</td><td>01JUN06</td></tr>
<tr><td>Jul, 2008</td><td>01APR04</td></tr>
<tr><td>Jun, 2008</td><td>01APR04</td></tr>
<tr><td>May, 2008</td><td>01JAN04</td></tr>
<tr><td>Apr, 2008</td><td>01DEC03</td></tr>
<tr><td>Mar, 2008</td><td><span style="color: #cc0000;">Unavailable</span></td></tr>
<tr><td>Feb, 2008</td><td><span style="color: #cc0000;">Unavailable</span></td></tr>
<tr><td>Jan, 2008</td><td>01JAN00</td></tr>
<tr><td>Dec, 2007</td><td>01JAN02</td></tr>
<tr><td>Nov, 2007</td><td>01APR04</td></tr>
<tr><td>Oct, 2007</td><td>01APR04</td></tr>
<tr><td>Sep, 2007</td><td>01APR04</td></tr>
<tr><td>Aug, 2007</td><td><span style="color: #cc0000;">Unavailable</span></td></tr>
<tr><td>Jul, 2007</td><td>Current</td></tr>
<tr><td>Jul, 2007</td><td>Current</td></tr>
<tr><td>Jun, 2007</td><td>01APR04</td></tr>
<tr><td>May, 2007</td><td>08JAN03</td></tr>
<tr><td>Apr, 2007</td><td>08JAN03</td></tr>
<tr><td>Mar, 2007</td><td>08JAN03</td></tr>
<tr><td>Feb, 2007</td><td>08JAN03</td></tr>
<tr><td>Jan, 2007</td><td>08JAN03</td></tr>
<tr><td>Dec, 2006</td><td>08JAN03</td></tr>
<tr><td>Nov, 2006</td><td>01JAN03</td></tr>
<tr><td>Oct, 2006</td><td>15JUN02</td></tr>
<tr><td>Sep, 2006</td><td><span style="color: #cc0000;">Unavailable</span></td></tr>
<tr><td>Aug, 2006</td><td><span style="color: #cc0000;">Unavailable</span></td></tr>
<tr><td>Jul, 2006</td><td>01JAN03 </td></tr>
<tr><td>Jun, 2006</td><td>01JAN03 </td></tr>
<tr><td>May, 2006</td><td>01JAN03</td></tr>
<tr><td>Apr, 2006</td><td>01JUL02</td></tr>
<tr><td>Mar, 2006</td><td>01JAN02</td></tr>
<tr><td>Feb, 2006</td><td>01AUG01</td></tr>
<tr><td>Jan, 2006</td><td>01JAN01</td></tr>
<tr><td>Dec, 2005</td><td>01JUL00</td></tr>
<tr><td>Nov, 2005</td><td>01NOV99</td></tr>
<tr><td>Oct, 2005</td><td>01NOV99</td></tr>
<tr><td>Sep, 2005</td><td>Current</td></tr>
<tr><td>Aug, 2005</td><td>Current</td></tr>
<tr><td>Jul, 2005</td><td>Current</td></tr>
<tr><td>Jun, 2005</td><td>Current</td></tr>
<tr><td>May, 2005</td><td>Current</td></tr>
<tr><td>Apr, 2005</td><td>Current</td></tr>
<tr><td>Mar, 2005</td><td>Current</td></tr>
<tr><td>Feb, 2005</td><td>Current</td></tr>
<tr><td>Jan, 2005</td><td>Current</td></tr>
<tr><td>Dec, 2004</td><td>Current</td></tr>
<tr><td>Nov, 2004</td><td>Current</td></tr>
<tr><td>Oct, 2004</td><td>Current</td></tr>
<tr><td>Sep, 2004</td><td>Current</td></tr>
<tr><td>Aug, 2004</td><td>Current</td></tr>
<tr><td>Jul, 2004</td><td>Current</td></tr>
<tr><td>Jun, 2004</td><td>Current</td></tr>
<tr><td>May, 2004</td><td>Current</td></tr>
<tr><td>Apr, 2004</td><td>Current</td></tr>
<tr><td>Mar, 2004</td><td>Current</td></tr>
<tr><td>Feb, 2004</td><td>Current</td></tr>
<tr><td>Jan, 2004</td><td>Current</td></tr>
<tr><td>Dec, 2003</td><td>Current</td></tr>
<tr><td>Nov, 2003</td><td>Current</td></tr>
<tr><td>Oct, 2003</td><td>Current</td></tr>
<tr><td>Sep, 2003</td><td>Current</td></tr>
<tr><td>Aug, 2003</td><td>Current</td></tr>
<tr><td>Jul, 2003</td><td>Current</td></tr>
<tr><td>Jul, 2003</td><td>Current</td></tr>
</tbody></table>
<br />
<br />
For accurate information check <a href="http://www.travel.state.gov/visa/bulletin/bulletin_1360.html">here</a>.</div>
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You can buy and sell crypto currencies via different exchanges. Some of the exchanges I use are<br />
<div>
<br /></div>
<div>
<a href="https://www.coinbase.com/earn/XLM/invite/t3gdjyrp" rel="nofollow" target="_blank">Coinbase</a></div>
<div>
<a href="https://www.binance.us/?ref=35013871" rel="nofollow" target="_blank">Binance.US</a></div>
<div>
<a href="https://www.kraken.com/" rel="nofollow" target="_blank">Kraken</a></div><div><a href="https://etoro.tw/2NIQS2y" rel="nofollow" target="_blank">eToro</a></div>
<div>
<br /></div>
<div>
After you buy a crypto currency, you may choose to keep them on the exchange or move it into a more secure storage such as hardware wallets or paper wallets.</div>
<div>
<br /></div>
<div>
Two of the popular hardware wallets:</div>
<div>
<br /></div>
<div>
<a href="https://shop.ledger.com/pages/ledger-nano-s-plus?r=d9c4ec78c854&tracker=bluedigest" rel="nofollow" target="_blank">Ledger</a></div>
<div>
<a href="https://trezor.io/" rel="nofollow" target="_blank">Trezor</a></div>
<div>
<br /></div>
<div>
There are software wallets too that can be installed on your computer or your mobile.</div>
<div>
<br /></div>
<div>
Choose what is best for you. If you don't have much of money in crypto, it might not be worth investing in hardware wallets. You might be better off with online exchange or other free wallets.</div>
<div>
<br /></div>
<div>
If you have invested or plan to invest significant amount of money in crypto, you might want to consider getting a hardware wallet so that you have full control over the private keys of the crypto.</div>
<div>
<br /></div>
<div>
You can find the price and other details of different crypto currency here:</div>
<div>
<a href="https://www.livecoinwatch.com/">https://livecoinwatch.com/</a></div>
<div>
<a href="https://coinmarketcap.com/">https://coinmarketcap.com/</a></div>
<div>
<br /></div>
<div>
Happy investing for the long term.</div>
<div>
<br /></div>
<div>
Let's wait and see how crypto evolves in the future.</div>
</div>
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There are various ways in which you can save for retirement. The most common method people know about is 401K. Some of the common options:<br />
<br />
<br />
<ol style="text-align: left;">
<li>401K - Traditional</li>
<li>401K - Roth</li>
<li>IRA - Traditional</li>
<li>IRA - Roth</li>
<li>Rental Income - Buying Investment Property</li>
<li>Dividends - Investing in Shares with steady dividends</li><li>HSA</li>
</ol>
<br />
<br />
If you own a 401K or IRA account, you need to monitor the account and make sure that the money is invested properly as per your needs (based on your age and risk acceptance criteria). If you are not sure if you are investing right in your retirement account you may make use of third party services that take care of your account for a reasonable fee. One of the services is <a href="https://mbsy.co/blooom/34933788" rel="nofollow" target="_blank">Bloom</a>. You may try them free for a month and see if that makes sense for you.<br />
<br />
Traditional 401K/IRA uses pre-tax money (don't need to pay tax on the invested money, they grow tax free, but you pay taxes when you withdraw). Roth 401K/IRA uses post-tax money (need to pay tax before investing in Roth account, they grow tax free and you can withdraw without paying taxes in retirement). There are limitations on who can invest in each and how much you can invest.</div><div dir="ltr" style="text-align: left;" trbidi="on"><br /></div><div dir="ltr" style="text-align: left;" trbidi="on">If your income limits you from contributing directly to Roth IRA, there are ways to contribute to IRA indirectly.</div><div dir="ltr" style="text-align: left;" trbidi="on"><br /></div><div dir="ltr" style="text-align: left;" trbidi="on">1. Roth Conversion Ladder - You move funds from traditional IRA to Roth IRA. This requires you to pay tax on the amount converted. This is called a ladder because, you convert smaller amounts each year so that you do not exceed the tax bracket for each year and optimize for tax.</div><div dir="ltr" style="text-align: left;" trbidi="on">2. Backdoor Roth - You contribute after tax dollars to traditional IRA and immediately move the funds to Roth IRA. You might ask, if IRS does not allow you to contribute directly to Roth IRA, how are you allowed to contribute to traditional IRA and immediately move it into Roth IRA. I don't know what is the reasoning behind this.</div><div dir="ltr" style="text-align: left;" trbidi="on">3. Mega backdoor Roth - You contribute after tax dollars to traditional 401K and immediately move the funds to Roth 401k. One thing to note is that, this option requires your employer 401k plan to allow after-tax contributions to traditional 401K and in-plan conversion. Some plans even allow you to convert to Roth IRA (though not automatically).<br />
<br />
Buying investment property with rental income is another way to save for retirement. The rent pays for the mortgage and by the time you retire, the mortgage is most likely paid off and the rent becomes source of your monthly income. This requires proper planning and management of property. You need to get your numbers correct in order to find the right property. If you don't do your homework, you may end up in a property that eats away your savings.<br />
<br />
Buyings shares with dividend income is for people who have the self control to invest in stable companies with long dividend history that will more likely continue to pay dividends. This is not for all. This comes with its own risks. You may lose your initial investment if you do not invest properly.</div><div dir="ltr" style="text-align: left;" trbidi="on"><br /></div><div dir="ltr" style="text-align: left;" trbidi="on">You can contribute to HSA account if you have a qualified high deductible plan. You can take tax free and penalty free contributions any time if used for medical expenses. The withdrawal can be take for past expenses (need not be current year). You may withdraw for non-medical expenses too after retirement, but you have to pay taxes if you do so. So HSA acts like a 401K with tax savings if used for medical expenses.<br />
<br />
This is not a financial advice. Please contact a financial advisor for accurate information. Please research and make your own decision.</div>
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<b><span style="color: #e69138;">The information provided below may not be accurate and up to date. Please contact bank for up to date and accurate information.</span></b><br />
<br />
The information may vary with banks.<br />
<br />
<table border="1">
<tbody>
<tr><th width="10%">Differences</th><th width="30%">NEFT</th><th width="30%">RTGS</th><th width="30%">IMPS</th></tr>
<tr><td>Accronym for</td><td>Electronic Funds Transfer</td><td>Real Time Gross Settlement</td><td>Immediate Payment Service</td></tr>
<tr><td>Description</td><td>Operates on Deferred Net Settlement (DNS) basis, which settles transactions in batches.<br />
12 settlements on weekdays.<br />
6 settlements on Saturdays.</td><td>Transactions settled individually for amounts above 2 Laksh (up to 10 Lakhs).</td><td>Transferred electronically for smaller amounts (up to 2 Lakhs)</td></tr>
<tr><td>Times</td><td>Mon - Fri: 8am to 7pm<br />
Sat: 8am to 1pm<br />
Not available on Sundays, second and forth Saturdays and other holidays.</td><td>Mon - Fri: 9am to 4:30pm<br />
Sat: 9am to 4:30pm</td><td>Any time. No holidays.</td></tr>
<tr><td>Limit</td><td>Any amount. Min: Rs.1</td><td>Rs. 2 Lakhs - 10 Lakhs</td><td>Rs. 1 Lakh - 2 Lakhs</td></tr>
<tr><td>Charges<br />
(plus GST)</td><td>1 to 10,000 - Rs. 2.50<br />
10,000 to 1 Lakh - Rs. 5<br />
1 Lakh to 2 Lakh - Rs. 15<br />
2 Lakh to 5 Lakh - Rs. 25<br />
5 Lakh to 10 Lakh - Rs. 50</td><td>2 Lakh to 5 Lakh - Rs. 25<br />
5 Lakh to 10 Lakh - Rs. 50</td><td>1 to 10,000 - Rs. 2.50<br />
10,000 to 1 Lakh - Rs. 5<br />
1 Lakh to 2 Lakh - Rs. 15</td></tr>
</tbody></table>
<br /></div>
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Do you want to diversify your investment? There are various options out there. One of them is Real Estate. You can do your own research, buy them, manage them and sell them. But that requires lot of capital, time and energy. If you think you don't have the time or knowledge to invest in real estate there are ways to invest for people like you and me.<br />
<div style="text-align: left;">
</div>
<ol>
<li>RealCrowd</li>
<li>RealMogul</li>
<li>RealtyShares</li>
<li>Prosper</li>
<li><a href="https://fundrise.com/r/7plg9" rel="nofollow" target="_blank">Fundrise</a></li>
</ol>
I had the opportunity to invest in Fundrise and I have received decent returns (8% per year) for the past 2 years. The unit/share price has also increased 5%. Fundrise invest in many properties all over US. They have different funds to suit your needs - income, balanced, growth. Each has its own benefits. I am a fan of long term growth and I am so far very happy with its performance. You can either invest in individual funds or upgrade your account to goal based portfolio and your money will be invested in different funds based on your goal.<br />
<br />
<a href="https://fundrise.com/r/7plg9" rel="nofollow" target="_blank"><span style="font-size: large;">Fundrise - Create Account</span></a><br />
<br />
Fundrise has IRA option also.<br />
<br />
No advisory fees up to 12/31/2017. 0.85% after that.<br />
<br />
Fundrise has 2 types of products - eFund and eREIT. You can find more about it at <a href="https://fundrise.com/r/7plg9" rel="nofollow" target="_blank">Fundrise</a>.<br />
<span style="font-size: large;"><br /></span>
<a href="https://fundrise.com/r/7plg9" rel="nofollow" target="_blank"><span style="font-size: large;">Act NOW !!!</span></a></div>
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<div>
<span style="color: #cc0000;"><b>The information provided on this blog post may not be accurate or is out of date. Please refer to the official website for up to date and accurate information.</b> </span><br />
<br />
<b>Steps to apply for US Passport for newborn:</b><br />
<br />
<ol style="text-align: left;">
<li>Take an appointment at USPS if it takes appointments and has availability as per your schedule. Or walk in. If walking in, be prepared for long wait times at USPS. You might even have to go very early to get token.</li>
<li>Both parents and the new born have to be physically present. If one of the parent is not able to come, check the site for the documents needed for absence of a parent.</li>
<li>Completed Application form (DS-11) - Better to fill <a href="https://pptform.state.gov/" target="_blank">online</a> and print it. Or you may download <a href="https://eforms.state.gov/Forms/ds11.pdf" rel="nofollow" target="_blank">PDF</a> and fill with pen.</li>
<li>Original Birth Certificate of new born (One) - Proof of citizenship</li>
<li>Copy of Birth Certificate of new born (One) - Proof of relationship to parents</li>
<li>Passport size 2x2 photo (One) - see <a href="https://travel.state.gov/content/passports/en/passports/photos.html" rel="nofollow" target="_blank">photo guidelines</a></li>
<li>Copy Both Parents ID - (One) Photo copy of Drivers License or Passport or refer <a href="https://travel.state.gov/content/passports/en/passports/under-16.html" rel="nofollow" target="_blank">here</a> </li>
<li>Have the Parents ID with you to show to the agent at USPS</li>
<li>After applying you can check the status of your application <a href="https://passportstatus.state.gov/opss/OPSS_Status_ip.asp" rel="nofollow" target="_blank">here</a>. It may take a week or two to show up in the system.</li>
<li>For official instructions for passport application for minor click <a href="https://travel.state.gov/content/passports/en/passports/under-16.html" rel="nofollow" target="_blank">here</a></li>
</ol>
<b><a href="http://bluedigest.blogspot.com/2017/08/india-visa-for-minor.html" target="_blank">Steps to apply for India Visa for minor</a></b><br />
<br />
<a href="http://bluedigest.blogspot.com/2017/07/documents-to-take-care-after-new-born.html"><b>Documents to take care after new born - Person of Indian Origin</b></a><br />
<br /></div>
<div>
<b><span style="font-size: large;">The above details is may not be accurate. Please refer to official site for up-to-date and accurate information.</span></b><br />
<br />
<b><span style="font-size: large;">Useful Links:</span></b><br />
<a href="https://travel.state.gov/content/passports/en/passports/FAQs.html" rel="nofollow" target="_blank">US Passport FAQ</a><br />
<a href="https://travel.state.gov/content/passports/en/passports/under-16.html" rel="nofollow" target="_blank">How to Apply US Passport?</a><br />
<a href="https://www.ssa.gov/pubs/EN-05-10023.pdf" rel="nofollow" target="_blank">SSN for children</a><br />
<a href="https://faq.ssa.gov/link/portal/34011/34019/Article/3747/How-long-does-it-take-to-get-my-baby-s-Social-Security-card-that-I-applied-for-in-the-hospital" rel="nofollow" target="_blank">SSN processing times</a></div>
</div>
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<b><span style="color: #cc0000;">The information provided on this blog post may not be accurate or is out of date. Please refer to the official website for up to date and accurate information.</span></b></div>
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<b><span style="font-size: large;">Application Steps:</span></b></h3>
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Step 1 (CKGS)</div>
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Start at CKGS visa application</div>
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If you decide to ship the documents, it is better to pay shipping online instead of paying your own shipping outside the application</div>
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After completing CKGS form, you will be provided a TEMP ID and redirected to <a data-saferedirecturl="https://www.google.com/url?hl=en&q=http://indianvisaonline.gov.in&source=gmail&ust=1502474953631000&usg=AFQjCNGshUNcgGLt24jdlQRlgZolMuXDFg" href="http://indianvisaonline.gov.in/" style="color: #1155cc;" target="_blank">indianvisaonline.gov.in</a> site (Govt website).</div>
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Step 2 (GOVT SITE)</div>
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Start a "Regular Visa Application" here. (Note: Do not click "Complete Partially Filled Form" when you come here for the first time. This is for those who want to continue the Govt website section later after visiting atleast once)</div>
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You will be given another TEMP ID which you can use to continue this section later</div>
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Once you are done here, you can download/print the application form. Also you will given an APPLICATION ID (which can be used to download the application form later).</div>
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You will see "Book Appointment" button even if you have chosen shipping. Go ahead and click the button you will be redirected back to CKGS website where you will fill the necessary additional forms</div>
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Step 3 (CKGS)</div>
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Fill the additional particular form</div>
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Step 4 (CKGS)</div>
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Parental authorization for minors</div>
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Step 5 (CKGS)</div>
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Payment</div>
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Step 6 (CKGS)</div>
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Print all the forms, receipts, label and barcode (you will have links to all the forms which you can download or print)</div>
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- Checklist</div>
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- Visa Application Form</div>
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- Additional Particulars Form</div>
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- Parental Authorization for Minors</div>
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- Payment Receipt</div>
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- Shipping Label</div>
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- Barcode</div>
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You will have to print a page containing bar code along with shipping label. The barcode need to be affixed below the shipping label.</div>
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You do not need to print the return shipping. You will just be paying for it. CKGS will print the label when they are ready to ship back the document.</div>
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Once you have mailed or submitted the documents in person, you can track the status by going to <span style="font-size: 12.8px;"> in.ckgs.us and</span><span style="font-size: 12.8px;"> to "My Account".</span><br />
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<h3 style="text-align: left;">
<b><span style="font-size: large;">Supporting Documents:</span></b></h3>
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- Birth Certificate (copy)</div>
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- Passport (Original)</div>
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- Passport (copy of bio page)</div>
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- Both Parent's Passport (copy of bio page)</div>
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- Both Parent's Address Proof - Drivers License or other relevant document (refer checklist)</div>
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- Both Parent's legal residence proof if Non-US passport - Visa or Work Permit</div>
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- Passport size photo (Note: <span style="color: #cc0000;"><b>Photo should be different from that on the Passport bio page</b></span>)</div>
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Place the documents in the same order as mentioned in the checklist</div>
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<h3 style="text-align: left;">
<b><span style="font-size: large;">Application Tracking - Sample Timeline:</span></b></h3>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhofU4Vm2NPI27CMQhvUzBkBXuOGqfrmZXgYuxKKJpCKAufx72yPE__Y2nx1Tx-d68JsAnkKp66eXoqsw1MbtaM9Md3FDBNq6xIGpzGKEhby6bNftB-RcCPSXXN4alwn5T7OInz1TZlrCh8/s1600/Screen+Shot+2017-08-26+at+8.51.06+AM.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="208" data-original-width="1600" height="81" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhofU4Vm2NPI27CMQhvUzBkBXuOGqfrmZXgYuxKKJpCKAufx72yPE__Y2nx1Tx-d68JsAnkKp66eXoqsw1MbtaM9Md3FDBNq6xIGpzGKEhby6bNftB-RcCPSXXN4alwn5T7OInz1TZlrCh8/s640/Screen+Shot+2017-08-26+at+8.51.06+AM.png" width="640" /></a><br />
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The tracking timeline will vary for each application.
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<table>
<tbody>
<tr><td>Day 0</td><td>Tue</td><td>18:00</td><td>Mailed documents & passport to CKGS (Shipping paid via CKGS)</td></tr>
<tr><td>Day 1</td><td>Wed</td><td>14:21</td><td>Received by CKGS, Not Verified</td></tr>
<tr><td>Day 2</td><td>Thu</td><td>13:39</td><td>Verified by CKGS</td></tr>
<tr><td></td><td></td><td>16:34</td><td>Under Process at CKGS</td></tr>
<tr><td></td><td></td><td>20:59</td><td>In transit to Consulate</td></tr>
<tr><td>Day 3</td><td>Fri</td><td>12:54</td><td>Under process at Consulate</td></tr>
<tr><td></td><td></td><td>18:48</td><td>Reviewed and In transit to CKGS</td></tr>
<tr><td></td><td></td><td>21:02</td><td>Received by CKGS and is at Sorting facility</td></tr>
<tr><td>Day 4</td><td>Mon</td><td>14:18</td><td>Dispatch</td></tr>
<tr><td>Day 5</td><td>Tue</td><td>13:24</td><td>Received passport by mail</td></tr>
</tbody></table>
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<b><span style="font-size: large;"><br /></span></b></h3>
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<b><span style="font-size: large;">FAQ:</span></b></h3>
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<b style="font-size: 12.8px;">1. Should I apply Visa or OCI?</b></div>
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For a minor, OCI need to be renewed every time the passport need to be renewed (after 5 years). The cost is not a factor as renewal cost is just a fraction of the initial OCI application cost. Though initial cost is higher for OCI, the total long term costs would be cheaper than Visa.</div>
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OCI:</div>
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Advantages</div>
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- Can stay longer than 180 days during a visit</div>
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- Can own property in minor's name</div>
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- Only initial cost is higher than that of Visa. Renewal charges are much less than that of Visa.</div>
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Disadvantages:</div>
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- Takes longer to get OCI</div>
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Visa:</div>
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Advantages</div>
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- Quicker to get compared to OCI<br />
- If you get lucky, your visa could be approved for 10 years, which means you need not renew after 5 years.</div>
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Disadvantages</div>
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- Can stay up to 180 days during any visit</div>
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- Cannot own property in minor's name</div>
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- Pay the similar amount every time you apply. Total cost over the longer term is higher than that of OCI.</div>
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<b>2. What is the URL for the Govt website? CKGS mentions Govt website everywhere but does not say what the URL is.</b></div>
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<a data-saferedirecturl="https://www.google.com/url?hl=en&q=https://indianvisaonline.gov.in/visa/&source=gmail&ust=1502474953631000&usg=AFQjCNFpKLXh_Vu1jtnNNMAfA4as0w9WDA" href="https://indianvisaonline.gov.in/visa/" style="color: #1155cc;" target="_blank">https://indianvisaonline.gov.<wbr></wbr>in/visa/</a></div>
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<b>3. What type of visa should be applied for minor (Person of Indian Origin)? - Tourist or Entry Visa? "Minor Child (either) Parent is Indian" - 3,6,12,60 or "Tourism".</b></div>
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You may apply for either Tourist Visa or Entry Visa</div>
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Entry Visa is given only to Person of Indian Origin</div>
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Entry Visa can be extended beyond the validity period by approaching the concerned FRROs/FROs cum Superintendents of Police (<a data-saferedirecturl="https://www.google.com/url?hl=en&q=http://boi.gov.in/content/information-foreigners-possessing-entry-x-visa-2&source=gmail&ust=1502474953632000&usg=AFQjCNFT2hCQzukqOkYBqiKEjwiYiPnIjg" href="http://boi.gov.in/content/information-foreigners-possessing-entry-x-visa-2" style="color: #1155cc;" target="_blank">http://boi.gov.in/content/<wbr></wbr>information-foreigners-<wbr></wbr>possessing-entry-x-visa-2</a>)</div>
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Entry Visa cost varies by validity with higher cost for longer validity. So, in terms of cost, Tourist visa is better as you get 5 years Tourist visa at the same price range as Entry Visa for few months.</div>
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If you decide to apply Tourist Visa, its better to start from <a data-saferedirecturl="https://www.google.com/url?hl=en&q=https://www.in.ckgs.us/visa/tourist-visa&source=gmail&ust=1502474953632000&usg=AFQjCNEcnCPq8hLsBpHwSOFUUPaadLZ5ZA" href="https://www.in.ckgs.us/visa/tourist-visa" style="color: #1155cc;" target="_blank">https://www.in.ckgs.us/visa/<wbr></wbr>tourist-visa</a> instead of <a data-saferedirecturl="https://www.google.com/url?hl=en&q=https://www.in.ckgs.us/visa&source=gmail&ust=1502474953632000&usg=AFQjCNFF4h2GScUMwjhfoXe0O3G1zlN2Iw" href="https://www.in.ckgs.us/visa" style="color: #1155cc;" target="_blank">https://www.in.ckgs.us/visa</a></div>
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<b>4. Date of Travel? Date of leaving your country or Date of arrival in India?</b></div>
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You may specify the date of arrival to be in sync with the date in the second half of the application (govt website)</div>
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<b>5. Duration of Visa?</b></div>
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This is not the duration of stay, its the duration of validity of the visa.</div>
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<b>6. Duration of visa in months for minor?</b></div>
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You may specify the maximum you wish to obtain (120 months). But its up to the visa officer to decide the validity. Minor are usually given 5 years (60 months). You may get lucky and get 120 months visa for minor. If it happens, you may not have to re-apply for visa after 5 years even though you will have to renew your passport. I believe, the visa on the expired passport should be valid even after 5 years (until 10 years). Please correct me if I am wrong in the comments.</div>
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<b>7. Have you stayed in the country for 2 years?</b></div>
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"Yes" is fine for a minor less than 2 years who has not left the country. Note that answer to this question is derived from your answers. Not sure which answers relate to this question</div>
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<b>8. Apartment name is a required field and I don't have a apartment name. What do i do?</b></div>
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You may split the street name into two and specify the second half in apartment name instead of specifying NA. This way, the summary of the form doesn't look weird. However, when this address is used for shipping label, you will see a comma between the street address and apartment address. It will give you an option to auto correct which you can use to fix the address.</div>
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<b>9. I chose shipping but I see book appointment after filling online application form (govt website)</b></div>
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Just click the button. Ignore whats written on it.</div>
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<b>10. Do I need to upload the photo? If I upload, don't I need to affix the photo on the application form.</b></div>
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Uploading photo is optional. You will have to fix the photo on the form independent of if you upload or not. Not sure what is the purpose of uploading the photo.</div>
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<b>11. Thumb impression and signature on the Visa Application form</b></div>
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For minor if using thumb impression, put thumb impression on the first page and second page. On the second page, both the parents should also sign below the thumb impression</div>
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<b>12. The Checklist mentions I need to send a prepaid envelope for the return documents along with the application. I already paid for the shipping while filling the application online. Is the prepaid envelope still needed?</b></div>
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If you paid for return shipping, you do not need to attach prepaid envelope for return documents.</div>
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<br /></div>
<span style="font-family: "arial" , sans-serif; font-size: large;"><a href="http://bluedigest.blogspot.com/2017/07/documents-to-take-care-after-new-born.html">Documents to take care after new born - Person of Indian Origin</a></span><br />
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<b style="font-family: Times; font-size: medium;"><span style="font-size: large;">The above details may not be accurate. Please refer to official site for up-to-date and accurate information.</span></b></div>
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<b style="font-family: Times; font-size: medium;"><span style="font-size: large;"><br /></span></b>
<b style="font-family: Times; font-size: medium;"><span style="font-size: large;">Appreciate your comments.</span></b></div>
</div>
</div>
</div>
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<br />
<b><span style="color: #cc0000;">The information provided on this blog post may not be accurate or is out of date. Please refer to the official website for up to date and accurate information.
</span></b><br />
<ol style="text-align: left;">
<li>Follow doctors advice and take care of your baby</li>
<li>Before leaving the hospital, fill the application for Birth Certificate and SSN and submit to representative (VitalStatistics in Kaiser) at the hospital. <a href="https://faq.ssa.gov/link/portal/34011/34019/article/3747/how-long-does-it-take-to-get-my-baby-s-social-security-card-that-i-applied-for-in-the-hospital" rel="nofollow" target="_blank">How long does it take to get SSN card that I applied in hospital?</a></li>
<li>Identify and chose your pediatrician</li>
<li>Add the new born child to your insurance (usually through your employer)</li>
<li>Request Cop(y/ies) of Birth Certificate online (may be few days later) / in person (4 weeks later)</li>
<li>Prepare documents needed for US passport (Birth Certificate, SSN, Photos, Parents ID). In most cases, Birth Certificate can be used as proof of nationality and parent relationship to the child)</li>
<li><a href="http://bluedigest.blogspot.com/2017/08/us-passport-for-minor.html" target="_blank">US Passport application</a></li>
<ul>
<li>Fill the US Passport application</li>
<li>US Passport can be applied at USPS locations (regular or expedite processing) or at Passport agencies (for emergencies or faster than expedite processing)</li>
<li>Photos may be taken at some USPS locations, but it might be easier to take the photos in advance by yourself or at a studio</li>
<li>Passport Application helpline: 1-877-487-2778</li>
<li><span style="color: #e06666;">Some USPS locations accept Passport applications by appointment only. It might be better to go to locations that takes appointments as you don't have to wait in lines for hours. But on the downside, appointments may not be available immediately. So you might have to take an appointment even before the baby is born, if you have urgent travel needs. Check the appointment availability with your USPS location (if they take appointments). In places which do not take appointments, you will be able to apply on a specific day, if you are among the first few people in the line. I have heard, some places require you to stand in line for few hours before the location opens.</span></li>
</ul>
<li>If traveling to a country, you will need to apply visa. Some countries allow on arrival visa. Check with corresponding country visa consulate website for more details. If you are Indian origin, you have 2 options. Visa or OCI. For a new born, both Visa and OCI are valid only for 5 years. With a Visa, the baby can stay for up to 180 days. Visa is preferred, unless the baby will stay longer than 6 months in India. Another reason for OCI would be if you want to invest in the name of the baby. Getting a Visa is much easier and faster than OCI, so Visa is preferred until the age of 15. In order to get a Visa, you will need to submit the US passport and should get back the passport with the Visa stamp in 2-3 weeks. For OCI for new born, you do not need to submit the US Passport. But it will take 8-10 weeks for you to get the OCI card. You may apply for OCI card and travel outside US on a Visa while the OCI application is pending.</li>
<li>OCI vs Visa (<a href="http://bluedigest.blogspot.com/2017/08/india-visa-for-minor.html" target="_blank">India Visa for minor</a>):</li>
</ol>
<b>OCI</b><div>
Advantages<br /><span style="font-family: arial, sans-serif; font-size: 12.8px;">- Can stay longer than 180 days during a visit</span><br style="font-family: arial, sans-serif; font-size: 12.8px;" /><span style="font-family: arial, sans-serif; font-size: 12.8px;">- Can own property in minor's name</span><br style="font-family: arial, sans-serif; font-size: 12.8px;" /><span style="font-family: arial, sans-serif; font-size: 12.8px;">- Only initial cost is higher than that of Visa. Renewal charges are much less than that of Visa.</span><br style="font-family: arial, sans-serif; font-size: 12.8px;" /><span style="font-family: arial, sans-serif; font-size: 12.8px;">Disadvantages:</span><br style="font-family: arial, sans-serif; font-size: 12.8px;" /><span style="font-family: arial, sans-serif; font-size: 12.8px;">- Takes longer to get OCI</span><div style="font-family: arial, sans-serif; font-size: 12.8px;">
<br /></div>
<span style="font-family: arial, sans-serif;"><b>Visa</b></span><br style="font-family: arial, sans-serif; font-size: 12.8px;" /><span style="font-family: arial, sans-serif; font-size: 12.8px;">Advantages</span><br style="font-family: arial, sans-serif; font-size: 12.8px;" /><span style="font-family: arial, sans-serif; font-size: 12.8px;">- Quicker to get compared to OCI</span><br style="font-family: arial, sans-serif; font-size: 12.8px;" /><span style="font-family: arial, sans-serif; font-size: 12.8px;">- If you get lucky, your visa could be approved for 10 years, which means you need not renew after 5 years.</span><br style="font-family: arial, sans-serif; font-size: 12.8px;" /><span style="font-family: arial, sans-serif; font-size: 12.8px;">Disadvantages</span><br style="font-family: arial, sans-serif; font-size: 12.8px;" /><span style="font-family: arial, sans-serif; font-size: 12.8px;">- Can stay up to 180 days during any visit</span><br style="font-family: arial, sans-serif; font-size: 12.8px;" /><span style="font-family: arial, sans-serif; font-size: 12.8px;">- Cannot own property in minor's name</span><br style="font-family: arial, sans-serif; font-size: 12.8px;" /><span style="font-family: arial, sans-serif; font-size: 12.8px;">- Pay the similar amount every time you apply. Total cost over the longer term is higher than that of OCI.</span><div>
<br />
<b><a href="http://bluedigest.blogspot.com/2017/08/us-passport-for-minor.html" target="_blank">Steps to apply for US Passport for newborn</a></b><br />
<ol style="text-align: left;">
</ol>
<b><a href="http://bluedigest.blogspot.com/2017/08/india-visa-for-minor.html" target="_blank">Steps to apply for India Visa for minor</a></b><br />
<br /></div>
<div>
<b><span style="font-size: large;">The above details is may not be accurate. Please refer to official site for up-to-date and accurate information.</span></b><br />
<br />
<b><span style="font-size: large;">Useful Links:</span></b><br />
<a href="https://travel.state.gov/content/passports/en/passports/FAQs.html" rel="nofollow" target="_blank">US Passport FAQ</a><br />
<a href="https://travel.state.gov/content/passports/en/passports/under-16.html" rel="nofollow" target="_blank">How to Apply US Passport?</a><br />
<a href="https://www.ssa.gov/pubs/EN-05-10023.pdf" rel="nofollow" target="_blank">SSN for children</a><br />
<a href="https://faq.ssa.gov/link/portal/34011/34019/Article/3747/How-long-does-it-take-to-get-my-baby-s-Social-Security-card-that-I-applied-for-in-the-hospital" rel="nofollow" target="_blank">SSN processing times</a></div>
</div>
</div>
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1. Humana Vitality<br />
<br />
2. <a href="http://tinyurl.com/juzd2ky" target="_blank">AchieveMint</a> - Register and forget about it. Earn passively. Max 80 points per day, $10 for 10,000 points. 250 points for referrals.<br />
<br />
3. Pact app<br />
<br />
4. Higi.com<br />
<br />
5. Leap4Life<br />
<br />
Please refer to the corresponding website for accurate information about rewards.</div>
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<b>There are different ways to save. Deposit money in a savings account, CDs, or invest wisely. You could save money while shop for your favorite brands, eat out, buy gifts, etc (on your day to day spending). Here are a few ways you could save. Happy Savings...</b><br />
<b><span style="font-size: large;"><br /></span></b>
<b><span style="font-size: large;">Cash Back</span></b><br />
<ul style="text-align: left;">
<li><a href="https://joinfluz.app.link/MYBONUS" rel="nofollow" target="_blank">Fluz</a> (<a href="https://bluedigest.blogspot.com/2020/09/fluz-cash-back-forever.html" target="_blank">more info</a>) 🌟🌟🌟</li>
<li><a href="https://www.ebates.com/r/GIRIDH31?eeid=28187" rel="nofollow" target="_blank">eBates</a> / <a href="https://www.ebates.com/r/GIRIDH31?eeid=28187" rel="nofollow" target="_blank">Rakuten</a> (<a href="http://bluedigest.blogspot.com/2016/07/cash-back-deals-with-ebates.html" target="_blank">more info</a>)🌟🌟</li><li><a href="http://www.mrrebates.com/?refid=490861" rel="nofollow" target="_blank">MrRebates</a> (<a href="http://bluedigest.blogspot.com/2015/06/cash-back-deals-with-mrrebates_15.html" target="_blank">more info</a>) 🌟</li>
<li><a href="https://www.couponcabin.com/" rel="nofollow" target="_blank">Coupon Cabin</a></li>
<li><a href="http://joinhoney.com/ref/achzmp" rel="nofollow" target="_blank">Honey</a></li>
<li><a href="https://www.topcashback.com/ref/member1111643578142" rel="nofollow" target="_blank">TopCashBack</a></li>
<li><a href="https://www.joinpiggy.com/#ruswopub" rel="nofollow" target="_blank">JoinPiggy</a> (browser extension)</li>
<li><a href="https://www.livingsocial.com/restaurants-plus-rewards" rel="nofollow" target="_blank">LivingSocial Restaurants Plus Rewards</a> - Link you credit cards to get additional cash back on restaurant purchases.</li>
<li><a href="http://wbuy.me/3F70J7" target="_blank">WikiBuy</a> (Get $5 by registering using this link)</li>
<li><a href="https://ibotta.com/r/pldabsh" target="_blank">Ibotta</a> - Earn cash back for in-store purchases from stores like Walmart, Target, Safeway, Costco, Walgreens, CVS, RiteAid, Whole Foods Market, etc. Cash back is available for online purchase also for select stores. For in-store purchase, after the purchase, scan the items' barcode and the barcode on the receipt using the mobile app to get the cash back.</li>
<li><a href="https://www.upromise.com/" rel="nofollow" target="_blank">UPromise</a>🌟</li>
<li><a href="https://getsk.co/best022696" rel="nofollow" target="_blank">ShopKick [Mobile App]</a> 🌟 Get cash back for just visiting stores or shopping sites or scanning the items in store or buying items. Its fun app that earns you cash back. Its like a scavenger hunt.</li>
<li><a href="http://ssqt.co/m5emu5Z" rel="nofollow" target="_blank">CoinBack</a> - Earn bitcoins when you shop online</li>
</ul>
<br />
<b><span style="font-size: large;">Discount Coupons / Promo Codes</span></b><br />
<ul style="text-align: left;">
<li><a href="https://www.joinpiggy.com/#ruswopub" rel="nofollow" target="_blank">JoinPiggy</a> (browser extension)</li>
<li><a href="http://couponfollow.com/checkout" rel="nofollow" target="_blank">Coupons at Checkout</a> (browser extension)</li>
<li><a href="http://www.offers.com/" rel="nofollow" target="_blank">Offers.com</a></li>
<li><a href="http://www.couponsock.com/" rel="nofollow" target="_blank">CouponSock</a></li>
<li><a href="https://www.retailmenot.com/" rel="nofollow" target="_blank">RetailMeNot</a></li>
<li><a href="http://www.promocodes.com/" rel="nofollow" target="_blank">PromoCodes.com</a></li>
<li><a href="https://www.groupon.com/coupons" rel="nofollow" target="_blank">Groupon Coupons</a></li>
<li><a href="http://wbuy.me/3F70J7" target="_blank">WikiBuy</a> (Get $5 by registering using this link)</li>
</ul>
<div>
<br /></div>
<div>
<b><span style="font-size: large;">Rewards/Loyalty</span></b></div>
<div>
<ul>
<li><a href="http://www.fivestars.com/" rel="nofollow" target="_blank">FiveStars</a></li>
<li><a href="https://www.bellycard.com/" rel="nofollow" target="_blank">BellyCard</a></li>
<li><strike><a href="https://www.plenti.com/" rel="nofollow" target="_blank">Plenti</a> 🌟 (ATT & Macys) - Collect points with Macys, RiteAid, ATT, and many more</strike></li>
<li><a href="https://ohm.co/giridharku" rel="nofollow" target="_blank">OhmConnect</a> 🌟 - <b><span style="color: #6aa84f;">Get rewarded for reducing your energy usage during certain times of the day. Signup now and join the others in saving the environment and enjoy cash benefits.</span></b></li>
</ul>
</div>
<b><span style="font-size: large;">Discount Gift Cards</span></b><br />
<ul style="text-align: left;">
<li><a href="https://www.giftcardgranny.com/" rel="nofollow" target="_blank">GiftCardGranny</a> - A Gift Card exchange site - single place to search gift card deals from various sites</li><li><a href="https://joinfluz.app.link/MYBONUS" rel="nofollow" target="_blank">Fluz</a> (<a href="https://bluedigest.blogspot.com/2020/09/fluz-cash-back-forever.html" target="_blank">more info</a>) 🌟🌟🌟</li>
<li><a href="http://geta.raise.com/gkumar3" rel="nofollow" target="_blank">Raise</a> 🌟🌟</li>
<li><a href="http://refer.cardpool.com/v2/share/6357712491954925732" rel="nofollow" target="_blank">CardPool</a> 🌟</li><li><a href="https://www.jendis.com/" rel="nofollow" target="_blank">Jendis</a></li>
<li><a href="https://www.saveya.com/" rel="nofollow" target="_blank">SaveYa</a></li>
<li><a href="https://giftcardmart.com/" rel="nofollow" target="_blank">GiftCardMart</a></li>
<li><a href="https://www.cardcash.com/" rel="nofollow" target="_blank">CardCash</a> | <a href="https://www.abcgiftcards.com/" rel="nofollow" target="_blank">ABCGiftCards</a></li>
<li><a href="https://www.esaving.com/register?ref=GI000398" rel="nofollow" target="_blank">eSaving</a></li>
<li><a href="https://giftcardzen.com/" rel="nofollow" target="_blank">GiftCardZen</a></li>
<li><a href="https://www.giftcardbin.com/" rel="nofollow" target="_blank">GiftCardBin</a></li>
<li><a href="https://www.cardkangaroo.com/" rel="nofollow" target="_blank">GiftCardKangaroo</a></li>
<li><a href="https://monstergiftcard.com/" rel="nofollow" target="_blank">MonsterGiftCard</a></li>
</ul>
<div>
<br /></div>
<div>
<span style="font-size: large;"><b>Deal Sites</b></span></div>
<div>
<ul style="text-align: left;">
<li><a href="https://slickdeals.net/" rel="nofollow" target="_blank">SlickDeals.net</a> 🌟</li>
<li><a href="https://dealsea.com/" rel="nofollow" target="_blank">DealSea</a></li>
<li><a href="http://www.deals2buy.com/" rel="nofollow" target="_blank">Deals2Buy</a></li>
</ul>
<div>
<br /></div>
</div>
<div>
<b><span style="font-size: large;">Peer to Peer sites</span></b><br />
<br />
<ul style="text-align: left;">
<li><a href="https://turo.com/c/giridhark1" rel="nofollow" target="_blank">Car Rental - Turo</a> - Low price car rental, provided by car owners who want to make money when their car is idle</li>
</ul>
<br />
<br />
<b><span style="font-size: large;">Credit Card</span></b></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjY2QcIcDUcYQEA7y58n__Kel9ZRUvdkuPatODDikTk7-UsHHaIyAb8Y_5c5QT6TbqRQYuHfZbNvgC8AKFD9K4WwD_59aSuRHx7kL5f7vjnzKZE1osAaNVahBFAUP279j7K7FdhISMfU5nw/s1600/PriceRewindSavings.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="454" data-original-width="1600" height="90" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjY2QcIcDUcYQEA7y58n__Kel9ZRUvdkuPatODDikTk7-UsHHaIyAb8Y_5c5QT6TbqRQYuHfZbNvgC8AKFD9K4WwD_59aSuRHx7kL5f7vjnzKZE1osAaNVahBFAUP279j7K7FdhISMfU5nw/s320/PriceRewindSavings.png" width="320" /></a></div>
<div>
<ul style="text-align: left;">
<li><strike><a href="https://www.citipricerewind.com/" rel="nofollow" target="_blank">Citi Price Rewind</a> 🌟 - If you have Citi credit card, you may make use of Citi Price Rewind feature to get cash back on purchases if the price goes down (in the same site or accepted different site) in the 60 days from the date of purchase. You can see the savings that could be made from using Citi Price Rewind.</strike></li>
</ul>
<ul style="text-align: left;">
<li>Your credit card might have revolving categories for higher cash back or the cash back for different types of purchases might yield different percentage cash back for different cards you own. Try to remember the best cash back card for each category and use the right card for right purchases.</li>
<li>Login in to your credit card online banking account and see if you have any offers or deals which you may add to your card. Most cards expect you to add the offer to get the cash back.</li>
</ul>
</div>
<div>
You might combine these in any way you like to get the maximum discount. You could sign up for loyalty programs from all the stores you shop. The rewards though very small, could add up to your savings over time. You don't have to carry all of the rewards cards with you if you link your phone number. Also, you could load them into your digital wallet and use it from your phone.<br />
<br />
Of course there are tons of other ways to get cash back and discount coupons. If you know of any other sites that gives discounts or cash back, I would be glad to know. Appreciate your comments and feedback.<br />
<br />
🌟 - My Favorites<br />
<br /></div>
</div>
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If you don't have a BitCoin address, you may use <a href="https://www.coinbase.com/join/569de11698647f00900000af" target="_blank">CoinBase</a> to create one. You will need BitCoin address in order to earn BitCoin. You can find your BitCoin address under tools. You may see more than one address. New addresses are created as you start using them. All of the addresses are valid and you can use any of them at any time. New addresses are generated for security purposes. You may use any of the addresses in the following sites to earn free BTC. Another option is <a href="https://blockchain.info/" rel="nofollow" target="_blank">blockchain.info</a><br />
<br />
<b>Where do I store my cryptocurrency?</b><br />
You may store them in online wallets like Coinbase or on a hardware wallet like <a href="https://www.ledger.com/?r=d9c4ec78c854" rel="nofollow" target="_blank">Ledger Nano S</a>. <span style="color: #ffa400;">Get 40% off on Ledger</span> <a href="https://shop.ledger.com/pages/black-friday?r=d9c4ec78c854" rel="nofollow" target="_blank">HERE</a>. Hardware wallets are the most secure way to store you coins.<br />
<br />
There are multiple sites that give BitCoins for various tasks. Some of them are listed below. The earnings, frequency and payout minimum could change over time. The values mentioned here may not be current. After signing up, you may bookmark the sites in a separate folder so that you could open all the links in the folder easily every day.<br />
<br />
If you plan to buy/sell crypto you may use exchanges available. Some popular exchanges<br />
1. <a href="https://www.coinbase.com/join/569de11698647f00900000af" rel="nofollow" target="_blank">Coinbase</a><br />
2. <a href="https://www.binance.com/?ref=35698701" rel="nofollow" target="_blank">Binance</a><br />
3. Bittrex<br />
<br />
Safest way to save your cryptocurrency - Hardware Wallets.<br />
<a href="https://www.ledger.com/products/ledger-nano-s?r=b52298377357&tracker=MY_TRACKER" rel="nofollow" target="_blank">Ledger Nano S</a> is a secured hardware wallet. It supports most popular crypto currencies. It is secured even if you connect it to a compromised machine.<br />
<a href="https://www.ledger.com/?r=b52298377357"><img alt="Ledger Nano S - The secure hardware wallet" height="90" src="https://www.ledgerwallet.com/images/promo/nano-s/ledger_nano-s_7-2-8x9-0.jpg" width="728" /></a>
<br />
<a href="https://freecardano.com/?ref=54262" rel="nofollow" target="_blank">FreeCardano</a><br />
Earn Free Cardano every hour. Payout ranges from 0.0003 to 300 ADA.<br />
<br />
<a href="http://ssqt.co/m5emu5Z" rel="nofollow" target="_blank">CoinBack</a><br />
Earn Bitcoin when you shop online by visiting the sites via <a href="http://ssqt.co/m5emu5Z" rel="nofollow" target="_blank">CoinBack</a>.<br />
<br />
<a href="http://mellowads.com/?ref=3152A827B5FE" rel="nofollow" target="_blank">MellowAds</a><br />
Earn free satoshi and use it to promote your site. You may use this to find referrals.<br />
<ol>
<li><a href="http://mellowads.com/?ref=3152A827B5FE" rel="nofollow" target="_blank">Signup</a></li>
<li>Claim Free Satoshi every 24 hours (you cannot withdraw this, but can use it to advertise)</li>
<li>Create Advert (Title, short description and URL)</li>
<li>Start Banner campaign using the advert created (Choose amount per day you like to spend and </li>
<li>number of days</li>
</ol>
<a href="http://satclaim.com/?r=14ZigkSY9vHUNeAyKQ33ZLyszcs9UjPrnZ" target="_blank">SatClaim</a><br />
Earn up to 200 satoshis every 15 minutes<br />
<b>Referral Commission: 50%</b><br />
<br />
<a href="http://moonbit.co.in/?ref=00b7977bc80f" rel="nofollow" target="_blank">MoonBit.co.in</a><span style="color: orange;"><b> (My Favorite) - May not be working at the moment</b></span><br />
Earn 35 Satoshis every 5 minutes by completing a captcha and clicking a button.<br />
<b>Continue to accumulate even after 5 minutes </b>if you dont claim but at a slower rate, which is great. Also, you can get up to 400% bonus on each claim by referring friends, claiming at least once daily, completing offers.<br />
<b>Referral Commission: 50%</b><br />
Payout Minimum: 100 uBTC or bits (10000 satoshis) Click <a href="http://moonbit.co.in/?ref=00b7977bc80f" rel="nofollow" target="_blank">MoonBit.co.in</a> to start earning BitCoins<br />
<br />
<a href="http://moonbitcoin.cash/?ref=06DB736A3862" rel="nofollow" target="_blank">MoonBitCoin.cash</a><br />
<b>Continue to accumulate even after 5 minutes </b>if you dont claim but at a slower rate, which is great.<br />
Payout Minimum: <span face="" style="background-color: white; font-size: 14.4px; text-align: center;">0.00000011 BCH (every 5 minutes)</span><br />
<br />
<a href="http://www.bitcoinget.com/?r=16AQXqMWRqY1EnFxqAGgguWaWgCnNHQwKM" rel="nofollow" target="_blank">BitCoinGet</a><br />
Earn by completing jobs, surveys, offers or by shopping<br />
Payout Minimum: 500 uBTC or bits (50000 satoshis) Click <a href="http://www.bitcoinget.com/?r=16AQXqMWRqY1EnFxqAGgguWaWgCnNHQwKM" rel="nofollow" target="_blank">BitCoinGet</a> to start earning BitCoins<br />
<br />
<a href="http://www.bitcoinreward.net/?ref=101036" rel="nofollow" target="_blank">BitCoinReward</a><br />
Earn by completing tasks, surveys, offers or watching videos<br />
Payout Minimum: 300 uBTC or bits (30000 satoshis) Click <a href="http://www.bitcoinreward.net/?ref=101036" rel="nofollow" target="_blank">BitCoinReward</a> to start earning BitCoins<br />
<br />
<a href="http://bonusbitcoin.co/?ref=17DB295587E9" rel="nofollow" target="_blank">BonusBitCoin</a><br />
Earn upto 5000 satoshi every 15 minutes by completing a captcha and clicking a button.<br />
<b>Referral Commission: 50%</b><br />
Payout Minimum: 100 uBTC or bits (10,000 sathoshis) Click <a href="http://bonusbitcoin.co/?ref=17DB295587E9" rel="nofollow" target="_blank">BonusBitCoin</a> to start earning BitCoins<br />
<br />
<a href="http://freebitco.in/?r=3365659" rel="nofollow" target="_blank">FreeBitCoin</a><br />
Earn every hour by completing a captcha and clicking a button<br />
Payout Minimum: 260 uBTC or bits (26000 satoshis) Click <a href="http://freebitco.in/?r=3365659" rel="nofollow" target="_blank">FreeBitCoin</a> to start earning BitCoins<br />
<br />
<a href="http://dailyfreebits.com/?id=39404831" rel="nofollow" target="_blank">DailyFreeBits</a><br />
Earn 15 to 1200 Satoshis every 60 minutes by completing a captcha and clicking a button<br />
Payout Minimum: 7 uBTC or bits (700 satoshis) Click <a href="http://dailyfreebits.com/?id=39404831" rel="nofollow" target="_blank">DailyFreeBits</a> to start earning BitCoins<br />
<br />
<strike><a href="http://aquabitcoin.com/?id=8968750" rel="nofollow" target="_blank">AquaBitCoin</a> (Not working)</strike><br />
<u><strike>Earn 15 to 1200 every 30 minutes by completing a captcha and clicking a button</strike></u><br />
<u><strike>Payout Minimum: 5 uBTC or bits (500 satoshis)</strike></u><br />
<br />
<a href="http://getyourbitco.in/377874" rel="nofollow" target="_blank">GetYourBitCoin</a><br />
Earn atleast 50 satoshi every 5 minutes by completing a captcha and clicking a button<br />
Since FaucetBox is closing (<a href="https://faucetbox.com/en/closing" target="_blank">more info</a>) use ePay for your withdrawals.<br />
Click <a href="http://getyourbitco.in/377874" rel="nofollow" target="_blank">GetYourBitCoin</a> to start earning BitCoins<br />
<br />
<a href="http://worldofbitco.in/103938" rel="nofollow" target="_blank">WorldOfBitCoin</a><br />
Earn atleast 50 satoshi every 5 minutes by completing a captcha and clicking a button<br />
Since FaucetBox is closing (<a href="https://faucetbox.com/en/closing" target="_blank">more info</a>) use ePay for your withdrawals.<br />
Click <a href="http://worldofbitco.in/103938" rel="nofollow" target="_blank">WorldOfBitCoin</a> to start earning BitCoins<br />
<br />
<a href="http://timeforbitco.in/230613" rel="nofollow" target="_blank">TimeForBitCoin</a><br />
Earn atleast 70 satoshi every 5 minutes by completing a captcha and clicking a button<br />
Since FaucetBox is closing (<a href="https://faucetbox.com/en/closing" target="_blank">more info</a>) use ePay for your withdrawals<br />
Payout Minimum: 200 uBTC or bits (20,000 sathoshis) Click <a href="http://timeforbitco.in/230613" rel="nofollow" target="_blank">TimeForBitCoin</a> to start earning BitCoins<br />
<br />
<a href="https://99bitcoins.com/" rel="nofollow" target="_blank">99BitCoins</a><br />
Earn 35 Satoshis every 5 minutes by completing a captcha and clicking a button<br />
Payout Minimum: 130 uBTC or bits (13000 satoshis) Click <a href="https://99bitcoins.com/" rel="nofollow" target="_blank">99BitCoins</a> to start earning BitCoins<br />
<br />
<a href="http://earnfreebitcoins.com/?ref=16AQXqMWRqY1EnFxqAGgguWaWgCnNHQwKM" rel="nofollow" target="_blank">EarnFreeBitCoins</a><br />
Earn by visiting websites and spending some time on them (one to few minutes)<br />
Payout Minimum: 55 uBTC or bits (5500 satoshis) Click <a href="http://earnfreebitcoins.com/?ref=16AQXqMWRqY1EnFxqAGgguWaWgCnNHQwKM" rel="nofollow" target="_blank">EarnFreeBitCoins</a> to start earning BitCoins<br />
<br />
<a href="http://btcclicks.com/?r=e6899fb6" rel="nofollow" target="_blank">BTCClicks</a><br />
You can earn by clicking on ads and viewing the ads and spending few seconds on each ad.<br />
Payout Minimum: 100 uBTC or bits (10,000 satoshis) Click <a href="http://btcclicks.com/?r=e6899fb6" rel="nofollow" target="_blank">BTCClicks</a> to start earning BitCoins<br />
<br />
<a href="https://richmondberks.com/?ref=rbd67064" rel="nofollow" target="_blank">RichmondBerks</a><br />
You can earn from posting on social networks, or by referring others. You may also choose to invest and get bigger returns. But if you decide to invest, do so with caution as the returns are not realistic and most likely this is a ponzi scheme. The site currently claims 1.4% per day during the week and 0.7% during weekends, for invested amounts.<br />
<b>Note: If you signup using <a href="https://richmondberks.com/?ref=rbd67064" rel="nofollow" target="_blank">my link</a>, and comment here, I will send you $1 worth RBB</b><br />
<div>
<br />
<b><span style="color: orange; font-size: large;"><a href="http://mellowads.com/?ref=3152A827B5FE" rel="nofollow" target="_blank">GET REFERRAL COMMISSION by advertising your site containing referral URLs on MellowAds</a></span></b><br />
<br />
<a href="http://mellowads.com/?ref=3152A827B5FE" rel="nofollow" target="_blank">MellowAds</a><br />
Earn free satoshi and use it to promote your site. You may use this to find referrals.<br />
<br />
<ol style="text-align: left;">
<li>Signup</li>
<li>Claim Free Satoshi every 24 hours</li>
<li>Create Advert (Title, short description and URL)</li>
<li>Start Banner campaign using the advert created (Choose amount per day you like to spend and number of days</li>
</ol>
<br />
<br /></div>
<a href="https://searchtrade.com/index.php?ref=girik#signUpDialog" rel="nofollow" target="_blank">SearchTrade</a><br />
Earn by doing keyword search powered by Google or buy keywords and earn when others search for that keyword. Earn 1000 satoshi per keyword search. Click <a href="https://searchtrade.com/index.php?ref=girik#signUpDialog" rel="nofollow" target="_blank">SearchTrade</a> to start earning BitCoins<br />
<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxHOkpS9dS2Mt-c0kiY0YjX8TJWGqa5GwJHNpTy99ye4hKCwGZlNl6Jh4gnibxl9UpkjGfYW0ETvwffXIHUU6g4bGMR-Z1X0Kssa3BzBoBjEw6UTa3d5rX9m77yMeezFjHtVpQados7lX_/s1600/Screen+Shot+2016-12-26+at+10.14.48+AM.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxHOkpS9dS2Mt-c0kiY0YjX8TJWGqa5GwJHNpTy99ye4hKCwGZlNl6Jh4gnibxl9UpkjGfYW0ETvwffXIHUU6g4bGMR-Z1X0Kssa3BzBoBjEw6UTa3d5rX9m77yMeezFjHtVpQados7lX_/s400/Screen+Shot+2016-12-26+at+10.14.48+AM.png" width="393" /></a></div>
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MoonBitcoin</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyuK0vG_YhQiHJytvi6I5ABjPHwGZQyf-JUSmR1KhoXU08W5WDjKAL5D0NTJgKbVA21i79NYvvULC12uGDK4tE0jEgeniNeWU0f06BqzXQGCfcAF20pr57JhOs0HksIFJ7kZcOANHgmKAT/s1600/MoonBitcoinPaymentProof.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="115" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyuK0vG_YhQiHJytvi6I5ABjPHwGZQyf-JUSmR1KhoXU08W5WDjKAL5D0NTJgKbVA21i79NYvvULC12uGDK4tE0jEgeniNeWU0f06BqzXQGCfcAF20pr57JhOs0HksIFJ7kZcOANHgmKAT/s640/MoonBitcoinPaymentProof.png" width="640" /></a></div>
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99Bitcoin</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHnrkPGlB2Sg-7Jm11vZTXL2fDwZkrdalK1fjCg0lWrW2PPttRuHNHJh0IteiMaDN9nEkqaWQ6dQvavWJ5zP1IdLVr_NFC16pv7RfDzFQwVObWsWrQHIUz-hhFwFSBDR5RgnQUBFTew3oV/s1600/99BitcoinPaymentProof.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="218" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHnrkPGlB2Sg-7Jm11vZTXL2fDwZkrdalK1fjCg0lWrW2PPttRuHNHJh0IteiMaDN9nEkqaWQ6dQvavWJ5zP1IdLVr_NFC16pv7RfDzFQwVObWsWrQHIUz-hhFwFSBDR5RgnQUBFTew3oV/s640/99BitcoinPaymentProof.png" width="640" /></a></div>
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<br /></div>
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BitcoinReward.net</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhcWPys8KsZx4QlX6fr3Cv0E52YsVZ8IOuOSi8NuOolXasjHQeIT9xR5kPI26QcnBq7tR0ZPzcNRH_wTcgN4ABhEMJzTM0aaqG6sHSBnX6vXbtnYWBDAr1oocC1U-7AdYdxovi2olEYWYCQ/s1600/BitcoinRewardPaymentProof.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="430" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhcWPys8KsZx4QlX6fr3Cv0E52YsVZ8IOuOSi8NuOolXasjHQeIT9xR5kPI26QcnBq7tR0ZPzcNRH_wTcgN4ABhEMJzTM0aaqG6sHSBnX6vXbtnYWBDAr1oocC1U-7AdYdxovi2olEYWYCQ/s640/BitcoinRewardPaymentProof.png" width="640" /></a></div>
<div style="text-align: center;">
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<br />
<br />
1 satoshi = 0.00000001 BTC<br />
1 uBTC = 0.000001 BTC<br />
<br />
1 bit = 1 uBTC (microBTC)<br />
1 BTC = 100 million satoshi<br />
1 BTC = 1 million uBTC<br />
1 uBTC = 100 satoshi<br />
<br />
If you are hosting your own site and want to monetize your site using ads, you may make use of<br />
<a href="https://a-ads.com/?partner=437565" target="_blank">this site</a><br />
<br /><span style="font-size: medium;">Are you interested in <a href="https://bluedigest.blogspot.com/2020/06/buy-sell-crypto-in-us.html" target="_blank">Buying / Selling Crypto in US</a>?</span></div><div dir="ltr" style="text-align: left;" trbidi="on"><br />
Appreciate your comments.</div>
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I recently started using scoop in order to commute to work. Scoop is an app that helps you to find carpool buddies, manages the rides, cost sharing.<br />
<br />
<span style="font-family: "arial" , sans-serif;">Here is promo code which will give you a free $20 credit on the Scoop. <span style="color: #e69138;">Use the promo code </span><b><span style="color: #e69138;">GIRIDHAR3MD</span> </b>and get $20 when you take your first trip (ride/drive)! It may take up to 48 hours after your first ride for the promo credit to be applied to your account. Download mobile app right here:</span><span style="font-family: "arial" , sans-serif;"> </span><a data-saferedirecturl="https://www.google.com/url?hl=en&q=http://m.onelink.me/220071c1&source=gmail&ust=1478846242948000&usg=AFQjCNHMnWHlvjan3zxSKHVVCF2smrOavQ" href="http://m.onelink.me/220071c1" style="color: #1155cc; font-family: arial, sans-serif;" target="_blank">http://m.onelink.me/220071c1</a><br />
<br />
Advantages:<br />
<ol style="text-align: left;">
<li>Find carpool buddies matching your work/home location and time</li>
<li>Choose your convenient timing every day</li>
<li>Free cancellation until the deadline (Previous day 9pm for morning commute & 3:30pm for evening commute). For cancellation policy after the deadline, refer <a href="https://blog.takescoop.com/changes-to-our-cancellation-policy-f84b884a24dc#.hwa3br9t3" target="_blank">here</a> (may be out of date)</li>
<li>You may carpool with one person in the morning and you could carpool with another person in the evening</li>
<li>Meet new people and make new friends in your community</li>
<li>You may choose to drive or ride on any given day</li>
<li>Things may not go as planned. If it gets delayed in the last minute or need to start early, you may contact the driver/rider and let him/her know. In my experience, people are understanding.</li>
<li><b>As a driver, get paid that mostly covers your gas, tolls and wear of your car </b></li>
<li>As a driver, you may carpool in the morning and drive by yourself in the evening or vice versa</li>
<li>As a driver, you may transfer the balance to your bank account.</li>
<li>As a rider, convenient pickup and drop off from/to home and work</li>
<li><b>As a rider, ride at discounted price (as low as $1 for some routes)</b> for a limited time. Check your price by entering your home and work addresses in the mobile app.</li>
<li>As a rider, if you ride in the morning, Scoop guarantees a ride back in the evening. If not able to find match, you can take other public/ride share option and reimburse up to certain amount ($40 I believe)</li>
<li>You can refer other friends and both you and your friend can get $20 credit when he/she makes the first ride</li>
</ol>
But,<br />
<ol style="text-align: left;">
<li>You cannot choose whom you want to carpool with. Scoop will choose for you. If your are driving, Scoop will try to match with some one commuting in the same route. But you can mark some as favorites and Scoop will try to match with your favorites when possible (at least thats what Scoop claims)</li>
<li>As a driver, you cannot provide any radius with in which you want to match with</li>
<li>For the morning ride, you will have to schedule the drive/ride the night before (before 9pm)</li>
<li>As a driver, some times, the matches may not be convenient, have to drive in opposite direction (short distance), driving through street traffic. But by adding the desired route buddies as favorites, I believe over time, the matched carpool buddies would be in the favorite routes.</li>
</ol>
<span style="font-family: "arial" , sans-serif; font-size: 12.8px;">Here is promo code which will give you a free $20 credit on the Scoop. </span><b><span style="font-family: "arial" , sans-serif;">U</span><span style="font-family: "arial" , sans-serif;">se the promo code</span><span style="font-family: "arial" , sans-serif;"> </span></b><b style="font-family: arial, sans-serif;"><span style="color: #b4a7d6; font-size: large;">GIRIDHAR3MD</span> </b><span style="font-family: "arial" , sans-serif; font-size: 12.8px;">and get $20 when you take your first trip! It may take up to 48 hours after your first ride for the promo credit to be applied to your account. Download mobile app right here:</span><span style="font-family: "arial" , sans-serif; font-size: 12.8px;"> </span><a data-saferedirecturl="https://www.google.com/url?hl=en&q=http://m.onelink.me/220071c1&source=gmail&ust=1478846242948000&usg=AFQjCNHMnWHlvjan3zxSKHVVCF2smrOavQ" href="http://m.onelink.me/220071c1" style="color: #1155cc; font-family: arial, sans-serif; font-size: 12.8px;" target="_blank">http://m.onelink.me/220071c1</a><br />
<div dir="ltr" style="font-family: arial, sans-serif; font-size: 12.8px;">
<br /></div>
<div dir="ltr" style="font-family: arial, sans-serif; font-size: 12.8px;">
If you have already installed the app and have not used a promo code, you can still use the promo code by going to "Pricing & Payments". You will see a box to enter a referral or promo code.<br />
<br />
<span style="font-size: 12.8px;">If you have any questions, most of them would be answered </span><a href="https://takescoop.zendesk.com/hc/en-us" style="font-size: 12.8px;" target="_blank">here</a><span style="font-size: 12.8px;">.</span><br />
<br />
Find the list of Scoop users in your area <a href="https://route.takescoop.com/" target="_blank">here</a></div>
<div dir="ltr" style="font-family: arial, sans-serif; font-size: 12.8px;">
<br /></div>
<div>
<div dir="ltr" style="font-family: arial, sans-serif; font-size: 12.8px;">
Happy commuting!</div>
</div>
</div>
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<br />
<br />
ATT came up with new Shared Data Plan and was available from August 21, 2016. You can continue to use current plan. But once you change to new plan, there is no going back. The new plan claims simple pricing and no overage costs. Then, what is the catch. Here is the extract from ATT article: "<span style="background-color: white; color: #333333; font-family: "arial" , "helvetica" , sans-serif; font-size: 13px; line-height: 19.5px;">Instead of overage charges, after customers use all of their high-speed data amounts, all data usage will be reduced to a maximum of 128 kbps for the rest of their bill cycle</span>". This is good for those who are not diligent in monitoring their data usage and want a hassle free plan or are using a plan other than 15 GB. For those who are diligent in monitoring the data usage and are in 15GB plan, the new plan is not good.<br />
<br />
ATT Mobile Share Advantage Plan is a disadvantage for those who are/were on 15GB plan. You can find the charts comparing the cost per line for different data plans in Old and New Plans. The <span style="color: blue;"><b style="background-color: #f3f3f3;">Blue</b></span> line represents the Old Plan (Mobile Shared Value Plan). The <span style="color: #e69138;"><b>Orange</b></span> line indicates the New Plan (Mobile Share Advantage Plan). It is very clear from the graphs, the new plan is indeed good for those who were on any shared data plan other than 15GB. Every plan other than 15GB has a new plan with same or more data for lower per line cost. For those who are in 15GB will have to either downgrade to 6GB or 10GB in order to maintain their monthly cost or pay more to retain the data limit.<br />
<br />
<b><span style="font-size: large;"><span style="color: #b45f06;">>> Try the car pool mobile app -</span> <a href="http://bluedigest.blogspot.com/2016/11/easy-carpool-with-scoop-20-promocode.html" target="_blank"><span style="color: blue;">Scoop</span></a> <span style="color: #b45f06;">and get</span> <span style="color: blue;"><a href="http://bluedigest.blogspot.com/2016/11/easy-carpool-with-scoop-20-promocode.html" target="_blank">$20 credit with PROMO CODE</a> </span></span></b><b><span style="font-size: large;"><span style="color: #b45f06;"><<</span></span></b><br />
<b><span style="font-size: large;"><span style="color: #b45f06;">Save money - Escape the traffic - Worry free commute</span></span></b><br />
<b><span style="font-size: large;"><span style="color: #b45f06;">(If not available in your area, join now to get it in your area)</span></span></b><br />
<b><span style="font-size: large;"><span style="color: #b45f06;"><br /></span></span></b>
You may click on the images to view in detail.<br />
<br />
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Cost/Line comparison (excluding taxes/fees) with 4 lines</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2MYmxJ6hSSIMaQvb33QMCqIL3BWTKyWGaziOFrisO3ItpsBKTTtG_8V7o5qWsfmS0TjBmBxYsQSoUx-020gqUvyA4RYLoPXoDmUQgBCcRhbIpyb6wZm8BJ80NiAv58pOh2Xi9vTqBLiGS/s1600/ATT4Lines.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="544" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2MYmxJ6hSSIMaQvb33QMCqIL3BWTKyWGaziOFrisO3ItpsBKTTtG_8V7o5qWsfmS0TjBmBxYsQSoUx-020gqUvyA4RYLoPXoDmUQgBCcRhbIpyb6wZm8BJ80NiAv58pOh2Xi9vTqBLiGS/s640/ATT4Lines.png" width="640" /></a></div>
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Cost/Line comparison (excluding taxes/fees) with 5 lines</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGgh14d5XU2kqExEmQQ5d4v-IH8MmxFLc14hQ7NHogm1nj19cdVyI0LJLC5Wmu1JDyEwPBHc2H5SeJ14iroIjkL3z47791ff45ktUf4SdRnw69kLHPL2jQ2_yMFr4TQ-HGaE08FUSE57BH/s1600/ATT5Lines.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="544" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGgh14d5XU2kqExEmQQ5d4v-IH8MmxFLc14hQ7NHogm1nj19cdVyI0LJLC5Wmu1JDyEwPBHc2H5SeJ14iroIjkL3z47791ff45ktUf4SdRnw69kLHPL2jQ2_yMFr4TQ-HGaE08FUSE57BH/s640/ATT5Lines.png" width="640" /></a></div>
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Cost/Line comparison (excluding taxes/fees) with 6 lines</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJPqRwcD7-ZDZj4IUDUF0oCdgXQYurGZ7knpBSW18hdgMKg_OP_El1IZspHX3sMDQesmWAienciXMpn-pU0MeVIjYfB7G-Om1bG5pqMCW3GnlKYX_KC4pNpobX3zjC1T2UmYiwFqvkXPxp/s1600/ATT6Lines.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="544" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJPqRwcD7-ZDZj4IUDUF0oCdgXQYurGZ7knpBSW18hdgMKg_OP_El1IZspHX3sMDQesmWAienciXMpn-pU0MeVIjYfB7G-Om1bG5pqMCW3GnlKYX_KC4pNpobX3zjC1T2UmYiwFqvkXPxp/s640/ATT6Lines.png" width="640" /></a></div>
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<div class="separator" style="clear: both; text-align: center;">
Cost/Line comparison (excluding taxes/fees) with 7 lines</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg67mP-jtn43eBmpQCSvnFYPiHta350GTxjcoKyiswRT1c8Bhl9FatCD5RW6OB6ZjmxeQtmCC8l1ROoN5QpQDDtEqhAtf0qh4oZwWY10UZxcfA15bMd8gpN-TtpV_JudrqKzCPvp_i-3g1N/s1600/ATT7Lines.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="544" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg67mP-jtn43eBmpQCSvnFYPiHta350GTxjcoKyiswRT1c8Bhl9FatCD5RW6OB6ZjmxeQtmCC8l1ROoN5QpQDDtEqhAtf0qh4oZwWY10UZxcfA15bMd8gpN-TtpV_JudrqKzCPvp_i-3g1N/s640/ATT7Lines.png" width="640" /></a></div>
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More details: http://about.att.com/story/att_introduces_mobile_share_advantage.html<br />
<br />
The content in this article is solely my perspective. You should not make any decisions solely based on this article. I would appreciate any comments you would have regarding the new ATT Mobile Share Advantage Plan.</div>
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<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">ebates CashBack</a><br />
<br />
Do you want to get extra cash back for your online shopping. Yes, in addition to your credit card points/rewards/cash back? Yes, you can. Simple login to <a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">ebates.com</a> and go to your online shopping site from there. You then do your regular shopping. Your purchase will earn cash back on <a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">ebates</a> which will be reflected after few days. It will be in pending status for 90 days. You will be able to cash it as a check mailed to your address once it reaches above a threshold. <a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Sign up</a> now and get $10 bonus for just signing up and making a qualifying purchase. Don't miss this great opportunity for getting more money back for the items you usually shop for online just for going to your favorite online shopping sites through ebates.<br />
<br />
<span style="font-size: large;"><a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Sign up now</a></span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" imageanchor="1" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" height="58" src="https://www.ebates.com/referral/2012/global_files/images/ebates_logo.png" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://www.ebates.com/r/GIRIDH31?eeid=28187" rel="nofollow" target="_blank">Join EBATES for free and get a $10 Bonus</a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<a href="http://bluedigest.blogspot.com/2016/11/save-money-with-cash-back-and-discount.html" target="_blank"><b>Find other ways to save!!!</b></a><br />
<br />
<b>Some stores with cash back (subject to change)</b><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">BestBuy - 1% cashback</a><br />
<div>
<br /></div>
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Coach - 4% cashback</a><br />
<div>
<br /></div>
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Dell Computer - 2% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Forever 21 - 2% cash back</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">G by Guess - 3% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Groupon - 6% cashback</a><br />
<div>
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Hotels.com - 6% cash back</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">HP.com - 3% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">JCPenny - 3% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">KateSpade - 3.5% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Kohl's - 6% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">LivingSocial - 6% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Macy's - 6% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Nordstrom Rack - 6% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Rakuten.com - 1% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Sears - 3% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Staples - 2% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">The North Face - 4% cashback</a><br />
<br />
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Walmart - 1% cashback</a><br />
<div>
</div>
<br />
<div style="color: black; font-family: times; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; margin: 0px; text-align: left; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;">
<div style="font-size: medium;">
<a href="http://www.ebates.com/rf.do?referrerid=%2F371gJAfud3AF8b1odqfAQ%3D%3D&eeid=28585" rel="nofollow" target="_blank">Walgreens - 7% cashback</a></div>
<div style="font-size: medium;">
<br /></div>
<div style="font-size: medium;">
<span style="font-family: "times";">See other ways to get cashback - through </span><a href="http://bluedigest.blogspot.com/2015/06/cash-back-deals-with-mrrebates_15.html" style="font-family: Times;" target="_blank"><span style="font-size: large;">Mr Rebates</span></a><span style="font-family: "times";">. Choose based on maximum cash back for the site you shop. </span></div>
<span style="font-family: "times"; font-size: small;"><br /></span>
<span style="font-family: "times"; font-size: large;"><a href="http://bluedigest.blogspot.com/2016/11/save-money-with-cash-back-and-discount.html" style="font-family: Times;" target="_blank"><b>Find other ways to save!!!</b></a></span></div>
</div>
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<a href="http://www.mrrebates.com/?refid=490861">MrRebates CashBack</a><br />
<br />
Do you want to get extra cash back for your online shopping. Yes, in addition to your credit card points/rewards/cash back? Yes, you can. Simple login to <a href="http://www.mrrebates.com/?refid=490861">MrRebates.com</a> and go to your online shopping site from there. You then do your regular shopping. Your purchase will earn cash back on MrRebates which will be reflected after few days. It will be in pending status for 90 days. You will be able to cash it as a check mailed to your address once it reaches above $10. <a href="http://www.mrrebates.com/?refid=490861">Sign up</a> now and get $5 bonus for just signing up. The cash back ranges from 1% to 30%. Some times even more. You can select from more than 2000 stores to shop. Don't miss this great opportunity for getting more money back for the items you usually shop for.<br />
<br />
<span style="font-size: large;"><a href="http://www.mrrebates.com/?refid=490861">Sign up now</a></span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEcSjuQJyPkA7HPpSFGNsY-Jfly-QAHKzN1sEogDmIoPlgAnyEaRYW0XAYVr5zyXfdYc5j85cdHD9yhhWMH3gwdE8oW08an9BSjDOk2IGON0N5xuyIAPfDS-rYL9rxAKelQQNaMDVQNoxs/s1600/Screen+Shot+2018-03-23+at+4.58.13+PM.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><br /></a><a href="http://www.mrrebates.com/?refid=490861" rel="nofollow" target="_blank"><img border="0" height="81" src="https://img.mrrebates.com/mr_basics/mr_rebates_v3.gif" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.mrrebates.com/?refid=490861" rel="nofollow" target="_blank">Join Mr.Rebates for free and get a $5 Bonus</a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<a href="http://bluedigest.blogspot.com/2016/11/save-money-with-cash-back-and-discount.html" target="_blank"><b>Find other ways to save!!!</b></a><br />
<br />
<b>Some stores with cash back (subject to change)</b><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=5733&refid=490861">BestBuy - 1% cashback</a><br />
<div>
<br /></div>
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=4767&refid=490861">Coach - 5% cashback</a><br />
<div>
<br /></div>
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=2031&refid=490861">Dell Computer - 6% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/search_stores.asp?k=Forever+21&g_search_option=S&refid=490861">Forever 21 - 3% cash back</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=5601&refid=490861">G by Guess - 5% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=6153&refid=490861">Groupon - 6% cashback</a><br />
<div>
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<a href="http://www.mrrebates.com/search_stores.asp?k=Hotels%2Ecom&g_search_option=S&refid=490861">Hotels.com - 5% cash back</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=5342&refid=490861">HP.com - 6% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=543&refid=490861">JCPenny - 6% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=3717&refid=490861">KateSpade - 5% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=5641&refid=490861">Kohl's - 3% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=4844&refid=490861">LivingSocial - 8% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=885&refid=490861">Macy's - 5% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=6259&refid=490861">Nordstrom Rack - 3% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=37&refid=490861">Rakuten.com - 3% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=4743&refid=490861">Sears - 3% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=1515&refid=490861">Staples - 5% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=2441&refid=490861">The North Face - 8% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/search_stores.asp?k=walmart&g_search_option=S&refid=490861">Walmart - 2% cashback</a><br />
<br />
<a href="http://www.mrrebates.com/click/director.asp?merchant_id=2722&refid=490861">Walgreens - 5% cashback</a><br />
<div>
<br />
See other ways to get cashback - through <a href="http://bluedigest.blogspot.com/2016/07/cash-back-deals-with-ebates.html" target="_blank"><span style="font-size: large;">ebates</span></a>. Choose based on maximum cash back for the site you shop.<br />
<br />
<a href="http://bluedigest.blogspot.com/2016/11/save-money-with-cash-back-and-discount.html" target="_blank"><b><span style="font-size: large;">Find other ways to save!!!</span></b></a></div>
</div>
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I am not good at investing in stocks. I was trying to see what is the best option for me to invest without the need for detailed research. I recently came across WealthFront. It is like a broker that manages your finances for you for a minimal free, much less than the normal fee charged by most people and services. For those who joined and funded before April 1, 2018, the first $10,000 is managed for free and very nominal fee above that. Also you don't have to pay for commissions and transactions on the trade placed on your behalf. The money gets invested automatically in stocks, bonds, mutual funds. It is diversified in many respects including geographic diversification. The type of investments depends on the risk level you choose. You can either answer a few questions to define the risk factor or set the value in the risk meter thats in the range of 1 to 10, 10 being highly risk tolerant. With 10, you are asking WealthFront to invest aggressively and 1 being very safe. The profits and loss increase with higher risk. You can withdraw the amount any time. It requires a minimum account balance of $500 to be maintained. If you don't like it, you can close the account any time and withdraw the funds. You may also withdraw partial funds at any time, and Wealthfront will decide on which investments to liquidate based on the amount withdrawn. If you sign up using the <a href="http://wlth.fr/1TmQnUE" rel="nofollow" target="_blank">link</a>, you will <b>get first $5,000 managed for free</b>.<br />
<br />
<a href="http://wlth.fr/1TmQnUE" rel="nofollow" target="_blank"><b>Sign up here</b></a> to get $5,000 managed for free if you sign up using the link.<br />
<br />
<span style="color: #38761d; font-size: large;"><a href="http://wlth.fr/1TmQnUE" rel="nofollow" target="_blank">WealthFront - Create an account</a></span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDP8bt4jsYpGRX_bY6VaY6duhmqEFGDVo-PdpVfkxqxOnHJdGibUmKNNcebnj-mAlzrU6XSL1XK0oVY3OuB1BoJlRYYRaPfR-Qklmz5nrKykal5hmqclxiRZ3WXw60rVI75f1WuShXOY7R/s1600/WealthFront.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="91" data-original-width="1111" height="51" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDP8bt4jsYpGRX_bY6VaY6duhmqEFGDVo-PdpVfkxqxOnHJdGibUmKNNcebnj-mAlzrU6XSL1XK0oVY3OuB1BoJlRYYRaPfR-Qklmz5nrKykal5hmqclxiRZ3WXw60rVI75f1WuShXOY7R/s640/WealthFront.PNG" width="640" /></a></div>
<br />
<br />
<b>Update 01/14/2017: </b>Its been 18 months since I started investing with WealthFront. I have received time-weighted return of 25.62% and money-weighted returns of 27.62%<br />
<br />
<b>Disclosure</b>:<i> If you accept <a href="http://wlth.fr/1TmQnUE" rel="nofollow" target="_blank">my invitation</a>, we'll both get $5,000 managed for free!. Its a mutual benefit. Thank you for considering signing up using this link.</i><br />
<br />
Happy investing.</div>
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<br />
<span style="font-size: large;"><a href="http://bluedigest.blogspot.com/2016/02/get-rid-of-your-phone-bill.html">GV + OBi</a> </span>is the best option if you do not talk for hours and hours in a month. See if the monthly plan cost is less than the pay per use cost based on your usage.<br />
<br />
<br />
<table border="1">
<thead>
<tr><th><span style="color: #073763;">Option</span></th><th><span style="color: #073763;">Type</span></th><th><span style="color: #073763;">Rate</span></th><th><span style="color: #073763;">More Info</span></th></tr>
</thead>
<tbody>
<tr><td><b style="background-color: white;"><span style="color: #073763; font-size: medium;"><a href="https://www.google.com/voice">GV</a> + <a href="http://www.obihai.com/tutorials-tips">OBi</a></span></b></td><td><b style="background-color: white;"><span style="color: #38761d; font-size: medium;">IP Phone / App</span></b></td><td><b style="background-color: white;"><span style="color: #38761d; font-size: medium;">1c/min</span></b></td><td><b style="background-color: white;"><span style="color: #38761d; font-size: medium;">Pay per use</span></b><br />
<b style="background-color: white;"><span style="color: #38761d; font-size: medium;"><a href="http://bluedigest.blogspot.com/2016/02/get-rid-of-your-phone-bill.html">More Details</a></span></b></td></tr>
<tr><td><a href="https://www.google.com/voice"><span style="color: #073763;">GV (Google Voice)</span></a></td><td><span style="color: #073763;">App</span></td><td><span style="color: #073763;">1c/min</span></td><td><span style="color: #073763;">Pay per use</span></td></tr>
<tr><td><a href="http://www.indiald.com/monthly-plans/"><span style="color: #073763;">IndiaLD</span></a></td><td><span style="color: #073763;">Calling Card</span></td><td><span style="color: #073763;">0.7 to 1c/min</span></td><td><span style="color: #073763;">Pay per use</span></td></tr>
<tr><td><a href="https://www.dial91.com/rates.aspx"><span style="color: #073763;">Dial91</span></a></td><td><span style="color: #073763;">Calling Card</span></td><td><span style="color: #073763;">1.1c/min</span></td><td><span style="color: #073763;">Pay per use</span></td></tr>
<tr><td><a href="http://raza.com/Rate/SearchRate?countryfrom=1&countryto=130"><span style="color: #073763;">Raza</span></a></td><td><span style="color: #073763;">App</span></td><td><span style="color: #073763;">1c/min OR</span><br />
<span style="color: #073763;">$10,$15,$20/month</span></td><td><span style="color: #073763;">Pay per use /</span><br />
<span style="color: #073763;">Limited calling</span></td></tr>
<tr><td><a href="https://www.att.com/shop/wireless/international/long-distance.html"><b><span style="color: #073763; font-size: medium;">ATT</span></b></a></td><td><b><span style="color: #38761d; font-size: medium;">GSM</span></b></td><td><b><span style="color: #38761d; font-size: medium;">$15/month</span></b><br />
<b><span style="color: #38761d; font-size: medium;">per line</span></b></td><td><b><span style="color: #38761d; font-size: medium;">Unlimited calling</span></b><br />
<b><span style="color: #38761d; font-size: medium;">Good if you talk more than 1500 min/month or 25hrs/month</span></b></td></tr>
<tr><td><a href="http://www.t-mobile.com/optional-services/international-calling.html"><b><span style="color: #073763; font-size: medium;">T-mobile</span></b></a></td><td><b><span style="color: #38761d; font-size: medium;">GSM</span></b></td><td><b><span style="color: #38761d; font-size: medium;">$15/month</span></b><br />
<b><span style="color: #38761d; font-size: medium;">per line</span></b></td><td><b><span style="color: #38761d; font-size: medium;">Unlimited calling</span></b><br />
<b><span style="color: #38761d; font-size: medium;">Good if you talk more than 1500 min/month or 25hrs/month</span></b></td></tr>
<tr><td><a href="http://www.lycamobile.us/en/29-international-cellphone-plan">LycaMobile</a></td><td>GSM</td><td>$29/month</td><td>Unlimited calling<br />
Good if none of the other options work for you</td></tr>
<tr><td><a href="http://www.vonage.com/personal/phone-plans/vonage-world?">Vonage</a></td><td>IP Phone / App</td><td>$28/month</td><td>Unlimited calling<br />
Good if none of the other options work for you</td></tr>
<tr><td><a href="https://www.rebtel.com/en/campaign/unlimited/?tocountry=in">RebTel</a></td><td>App</td><td>$10/month</td><td>Unlimited calling<br />
Good if you talk more than 1000 min/month and will not exceed your monthly talk time minutes</td></tr>
</tbody>
</table>
<br />
Note:<br />
<div>
1. Monthly plans may have limit on minutes. Check the fine print.</div>
<div>
2. The taxes and fees may apply and may be significant than the other options.</div>
</div>
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<b><span style="color: #b45f06;">Last updated on 5/31/2016</span></b><br />
Total number of pending I485 applications for India and China based on Priority Date<br />
<br />
<a href="http://bluedigest.blogspot.com/2011/09/eb2-priority-date-cut-off-dates.html"><span style="font-size: large;">India and China EB2 Filing and Final action dates</span></a><br />
<br />
<i>Note: Year columns indicate the priority date. For example if you are on EB2 India category and priority date falls on year 2010, then look at the latest "As of date" row and add all the numbers from 1997 up to 2010. That is the number of I-485 applications pending before you. If your priority year and any years before that do not have a value specified, that means no applications have been yet accepted for those years. Add up un till what is available (say 2008) and that plus what you think might be potential applications (say, 5000 for 2009 & another 5000 for 2010) would be the pending applications before you.</i><br />
<i><br /></i>
<i>Per country annual limit for EB1/EB2/EB3 is 2802 (28.6% of 7% of 140,000)</i><br />
<i>Per country annual limit for EB4/EB5 is 696 (7.1% of 7% of 140,000)</i><br />
<i><br /></i>
<i>From the below chart, if your priority date is in 2006, EB2 India Category, the number of pending applications before you (as of 1/1/2016) is approximately 936 (2+0+1+2+10+12+15+94+362+448)</i><br />
<br />
India - <a href="https://docs.google.com/spreadsheets/d/1XCCJOIqzMrdwvsk1bMdMmRo0GsecSI1Ut_HtcNn87Og/pubhtml?gid=753198830&single=true&widget=true&headers=false" target="_blank">Click to view</a><iframe height="700" src="https://docs.google.com/spreadsheets/d/1XCCJOIqzMrdwvsk1bMdMmRo0GsecSI1Ut_HtcNn87Og/pubhtml?gid=753198830&single=true&widget=true&headers=false" width="700"></iframe>
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China - <a href="https://docs.google.com/spreadsheets/d/1XCCJOIqzMrdwvsk1bMdMmRo0GsecSI1Ut_HtcNn87Og/pubhtml?gid=814100338&single=true&widget=true&headers=false" target="_blank">Click to view</a><iframe height="700" src="https://docs.google.com/spreadsheets/d/1XCCJOIqzMrdwvsk1bMdMmRo0GsecSI1Ut_HtcNn87Og/pubhtml?gid=814100338&single=true&widget=true&headers=false" width="700"></iframe>
<br />
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<br /><br /></div>
</div>
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