Personal Finance

  • Fetch Rewards Referral Code

    Use referral code MV7RR when you sign up for Fetch Rewards for minimum $2 toward your balance to purchase gift cards.

    how to enter a referral code into fetch rewards

    This referral code will get you between$2 – $4 worth of free gift cards when you use it upon signing up. Fetch Rewards regularly changes the amount that new members can get but you’ll at least get $2 for using the code!

    You will enter the code when you sign up as shown in the video below. You have to enter the code before scanning your first receipt to get the free points.

    You can learn more about Fetch Rewards in my review here.

    How To Sign Up For Fetch Rewards

    Signing up for Fetch Rewards is easy! In the video above I show you how to use sign up for a Fetch Rewards account and use a referral code to get points you can use to get free gift cards to your favorite stores.

    This Fetch Rewards tutorial video shows:

    • how to open an account on Fetch Rewards
    • how to enter a referral code (MV7RR) on Fetch Rewards
    • how to scan your first receipt on Fetch Rewards to get points

    If you skip the chance to enter in the video, you can enter a referral code later on by tapping on the Me tab and selecting Refer a friend.

    Important!! You MUST do the referral code before scanning your first receipt. If you scan a receipt before entering a referral code then you will not get the bonus points.

    How to sign up instructions:

    1. In the App store search for Fetch Rewards
    2. Download the app to your phone
    3. Open the Fetch Rewards app
    4. Click sign up with email button
    5. Enter personal info for your account details
    6. Click the orange sign up button
    7. Enter your birthday and gender
    8. Enter your phone number and state
    9. Click the “Start saving” button next
    10. Click “Okay” or “Maybe later” to enable notifications
    11. Click “Okay” or “Maybe later” to enable location notifications
    12. Enter referral code MV7RR
    13. Click the “Enter code” button
    14. To get your free points you will need to scan a receipt
    15. Skip through the intro slide to go to the home screen
    16. Click the orange camera icon at the bottom right corner
    17. Grab any grocery receipt you have within the last 14 days
    18. Line up the receipt with the lines on screen
    19. Click the orange camera icon in the center of the screen
    20. Your receipt will upload while you wait
    21. Your points will automatically be added to your account

    And that’s how you sign up for a Fetch Rewards account and start off with enough points to redeem your first gift card!

    Want more? Read: How To Use Fetch Rewards For Beginners

    Why Am I Sharing These?

    First of all, referrals earn me money too! For every sign up you get a bonus and so do I! It’s usually the exact same amount you are receiving.

    Second, not enough women in personal finance were sharing their codes. I wanted to sign up for an investment account and get the $50 bonus so I searched for a referral link. I ended up very frustrated that the first several pages of listings on Google and YouTube were all run by males. I actively wanted to give my referral to a female and could not find one, so I’m sharing all of mine for those who might want to do the same. Women use financial apps too and I want to share more reviews and referrals because the current landscape is lacking that insight.

    Finally, because it helps you. I’ve been in the position where I wanted to use an app or service but didn’t have access to a connection where I would receive a referral sign up bonus. It is frustrating! Putting these referral codes and links out there can help others avoid that situation and get a little bit of a kickback when they sign up for something. I love being able to give others free money!

    More Referral Codes

    Want to earn more free stuff with other apps? I’ve got a whole page and YouTube playlist full of referral codes and referral links for the best financial apps!

    I only include the apps I use and love so it won’t have everything, but you can get hundreds of dollars free just by using these referral codes when you sign up for things! The list includes apps for investing, saving, coupons, and more.

    Check out the list of referral codes for free money!

    Read More

  • Referral Codes For Free Stuff

    Many apps offer sign up bonuses if you use a referral code or referral link from a friend when you sign up. However, you might not always have a friend using the app before you which means you don’t get the free bonus money. If that’s your situation – don’t worry because I’m here to help.

    To help those of you who love getting free stuff I’ve listed all of my referral codes for various apps here so you can take advantage of the free referral bonuses! For most of these when you use my link or code I get the exact same amount in my account so thank you for using them to support this work!

    Investing Apps

    Cash App – Use this referral link to get $5 free on Cash App when you send $5 after signing up.

    Coinbase – Use this referral link to get $10 of free Bitcoin on Coinbase when you buy or sell $100 in any crypto.

    M1 Finance – Use this referral link to get $30 bonus when signing up to invest at M1 Finance after contributing a certain amount to the account. Check the details when you sign up as it changes often.

    Robinhood – Use this referral link for one free stock on Robinhood when you sign up for an account (will have my husband’s name). With this one you don’t have to deposit anything to get the free stock.

    Savings Apps

    Fetch Rewards – Use referral code MV7RR when you sign up for minimum $2 toward your balance to purchase gift cards. Also check out my Fetch Rewards tutorial and review post.

    Ibotta – Use this link with referral code vernepp when you sign up for a bonus in your account from $10-$40 depending on promotions.

    Why Am I Sharing These?

    First of all, referrals earn me money too! For every sign up you get a bonus and so do I! Just like the sign up bonuses you receive, the ones I get also range from $2 to $50.

    Second, not enough women in personal finance were sharing their codes. I wanted to sign up for a SoFi invest account and get the $50 bonus so I searched for a referral link and came up very frustrated that the first several pages of listings on Google and YouTube were all run by males. I actively wanted to give my referral to a female and could not find one, so I’m sharing all of mine for those who might want to do the same. Women use financial apps too and I want to share more reviews and referrals because the current landscape is lacking that insight.

    Finally, because it helps you. I’ve been in the position where I wanted to use an app or service but didn’t have access to a connection where I would receive a referral sign up bonus. It is frustrating! Putting these referral codes and links out there can help others avoid that situation and get a little bit of a kickback when they sign up for something. I love being able to give others free money!

    Read More

  • How To Use Fetch Rewards Tutorial & Review

    My mom recently signed up for a Fetch Rewards app to scan grocery receipts. I’ve been using it for years and she finally joined me, but she had a lot of questions about how to use the app. To help her out I made some tutorial videos that I’ve also shared on YouTube to help others.

    Fetch Rewards Referral Code

    If you want to join Fetch Rewards and get the free bonus points but don’t have a referral code you can use mine: MV7RR

    Fetch Rewards referral code: MV7RR

    how to enter a referral code into fetch rewards

    This referral code will get you between$2 – $4 worth of free gift cards when you use it upon signing up. Fetch Rewards regularly changes the amount that new members can get but you’ll at least get $2 for using the code!

    You will enter the code when you sign up as shown in the video below. You have to enter the code before scanning your first receipt to get the free points.

    How To Sign Up For Fetch Rewards

    Signing up for Fetch Rewards is easy! In the video above I show you how to use sign up for a Fetch Rewards account and use a referral code to get points you can use to get free gift cards to your favorite stores.

    This Fetch Rewards tutorial video shows:

    • how to open an account on Fetch Rewards
    • how to enter a referral code (MV7RR) on Fetch Rewards
    • how to scan your first receipt on Fetch Rewards to get points

    If you skip the chance to enter in the video, you can enter a referral code later on by tapping on the Me tab and selecting Refer a friend.

    Important!! You MUST do the referral code before scanning your first receipt. If you scan a receipt before entering a referral code then you will not get the bonus points.

    How to sign up instructions:

    1. In the App store search for Fetch Rewards
    2. Download the app to your phone
    3. Open the Fetch Rewards app
    4. Click sign up with email button
    5. Enter personal info for your account details
    6. Click the orange sign up button
    7. Enter your birthday and gender
    8. Enter your phone number and state
    9. Click the “Start saving” button next
    10. Click “Okay” or “Maybe later” to enable notifications
    11. Click “Okay” or “Maybe later” to enable location notifications
    12. Enter referral code MV7RR
    13. Click the “Enter code” button
    14. To get your free points you will need to scan a receipt
    15. Skip through the intro slide to go to the home screen
    16. Click the orange camera icon at the bottom right corner
    17. Grab any grocery receipt you have within the last 14 days
    18. Line up the receipt with the lines on screen
    19. Click the orange camera icon in the center of the screen
    20. Your receipt will upload while you wait
    21. Your points will automatically be added to your account

    And that’s how you sign up for a Fetch Rewards account and start off with enough points to redeem your first gift card!

    How To Earn Points In Fetch Rewards

    Fetch Rewards is all about earning points that you can then use to get gift cards for free. They have made it a game that incentivizes you to take actions in order to get these points. It’s fun and there are also many different ways to earn points.

    Here are the six ways you can earn points covered in the video:

    1. Sign up using a referral code. You can get $2 for signing up with a code.
    2. Scan receipts. The main goal of Fetch Rewards is to get you to scan your receipts. Take a pic and let it upload automatically!
    3. Get special offers. Some companies choose to give you bonus points when you purchase a specific product. When you buy these products and then scan the receipt you get more points!
    4. Add digital receipts. You can link your Amazon account and email account to earn points when Fetch Rewards scans your accounts for purchases.
    5. Use Single Care for prescriptions. Single Care is a card inside Fetch Rewards you can use to save money on prescriptions and get more points in Fetch Rewards.
    6. Refer your friends. You can get $2-$4 for every person you refer to use the app. When they sign up using your code and scan their first receipt you both get extra points!

    Want to learn more? Here is some more detailed descriptions of the ways you can earn points:

    Use a referral code when signing up. When you sign up you can get between $2-$4 worth of points by using a referral code. If you don’t have a friend already using Fetch Rewards you can use my referral code MV7RR

    Earn over 1,000 points for scanning your first receipts. Fetch Rewards has high bonus points for the first couple of receipts. You can earn at least 1,000 just for using the app and scanning the first receipts! It only takes a second so get those initial points!

    Earn 2,000 points for referring a friend. Once you are using the Fetch Rewards app you can also earn points for getting your friends and family to sign up. Earning $2 per friend you refer can be a nice bonus for sharing about this useful app! A friend must create an account, use your code, and scan a receipt for you to earn the points.

    Earn points for your emailed receipts. Fetch Rewards works with online shopping not just physical receipts! In the app there is a blue “e” icon where you can upload e-receipts. You can add your email and your Amazon account to link to Fetch Rewards so receipts will automatically upload and you’ll be credited the points.

    Earn points when you buy specific brands. You’ll get some points for every receipt you upload but the big bonuses will come when you make a purchase on a qualifying brand or product. You can browse the current bonus opportunities that offer extra points for your spending. Even if you don’t plan for it you will still automatically get points any time you upload a receipt and have purchased a brand giving extra points.

    Earn extra points when you buy specific products. Just like the brand purchases you can earn extra on specific products. You can find the Special Offers on products on the home screen if you scroll down. These have expiration dates so the ones with high points values don’t last as long!

    Keep looking for new ways to earn. Fetch Rewards continually adds new ways to earn points to keep both users and advertisers happy. Things like getting 5,000 points for picking up a prescription using SingleCare or scanning receipts to drug stores not just grocery stores have all been added since I started using the app. Make sure you open it and look for new opportunities every so often.

    There are many videos and sites that encourage unethical ways to game the system and earn points in Fetch Rewards fast with hacks. I recommend not trying these because they will get your account shut down and you will be unable to earn gift cards. You can still earn a lot of points by doing the things listed above!

    How To Redeem Gift Cards On Fetch Rewards

    Redeeming gift cards on Fetch Rewards is a simple process once you know how to navigate the app. This video tutorial is the first one I made for my mom since she was eager to redeem her free points for a gift card after signing up!

    In this video I show you how to use the points you have earned in Fetch Rewards to get free gift cards to your favorite stores.

    How to redeem a gift card instructions:

    1. Open the Fetch Rewards app
    2. Click the Rewards tab in the lower menu
    3. Or you can click the points balance in the top menu
    4. Scroll through reward options by category or you can search for the reward you want
    5. Select the reward at the retailer you want (options available to you will have a gold circle based on points balance)
    6. Click the amount circled under the retailer name
    7. Click the “Get my $$ reward” orange button
    8. Fetch Rewards will send you a security code to your phone or email
    9. Enter the code you received by tapping the box and entering the 4 digit code
    10. Click the “Validate” button to finish
    11. Congrats, Fetch Rewards has created your gift card!
    12. Click the “Go to my rewards” orange button or click the Rewards tab in the bottom menu and go to the “My Rewards” tab
    13. In the “My Rewards” tab you can view current gift cards
    14. Click on the reward in the “Current Rewards” section to get the code to use for redemption
    15. Tap on the code to copy
    16. Close Fetch Rewards app to go redeem the gift card code on the appropriate site
    17. Either add the code to your gift card balance in your account or apply it when checking out

    Hopefully these steps make it easy to understand how to use Fetch Rewards to earn points and redeem gift cards!

    Is Fetch Rewards Legitimate?

    You might be wondering if Fetch Rewards is legitimate or if its a scam. How do you get gift cards for free?

    Fetch Rewards is a safe and legitimate! It is a real company that gives users real gift cards for points that you can collect for free. They do this by then selling the data from the receipts to companies as valuable market research.

    Fetch Rewards does ask for a minimal amount of personal information to determine your age and location that makes the receipt info and your spending habit info valuable. This app is not for anyone who does not want to freely give up that information.

    If you are concerned about safety and protecting yourself you can do a couple things. First, create an account from scratch using your email instead of connecting via Facebook or Google. Second, use an unique password for your account. Third, do not connect your email or Amazon accounts for the e-receipts portion of the app.

    While Fetch Rewards is legitimate and safe it is up to you to determine what information you are comfortable giving to them in the exchange for gift cards.

    Fetch Rewards Review

    If you haven’t used Fetch Rewards yet I truly believe it is the best app for scanning your grocery and other store receipts. For each receipt you scan you’ll earn points which you can then redeem for gift cards. There is no need to select items before hand or scan barcodes – it’s the easiest grocery scanning app out there!

    Reasons why I like Fetch Rewards:

    • easy to use and scan receipts
    • free points when you sign up
    • lots of opportunities for bonus points
    • easy to redeem gift cards
    • no need to do extra work like scanning barcodes
    • no need to research what you buy before – it’s all automatic
    • can do physical and digital receipts
    • earn 1200 points ($1.20) minimum just for the first receipt
    • earn 2,000 points ($2) for referring a friend
    • earn bonus points when you buy certain brands
    • lots of special offers to earn extra for certain purchases
    • you can monitor spending in the app based on receipts

    Downsides to Fetch Rewards:

    • can’t use receipts if it’s past 14 days
    • some receipts don’t earn much so it’s not worth the time spent
    • bonus opportunities aren’t usually things I would buy

    One of the cool things that has happened since I’ve been using Fetch Rewards is that they’ve added way more opportunities.

    Fetch now accepts receipts from the following:

    • Grocery stores
    • Convenience stores
    • Drug stores
    • Big-box retailers

    There are so many ways to earn points to redeem for free gift cards!

    Clearly it has a lot of benefits that other apps lack! I use Fetch Rewards in addition to other grocery scanning and digital coupon apps but it is by far my favorite because it’s so easy and mostly passive.

    You can get $2-$4 for free by using my referral code when you sign up, code: MV7RR.

    Read More

  • New Mortgage Payoff Plan + Mortgage Payoff Update Q1 2021

    Welcome to my first official mortgage payoff update!

    I’ve definitely shared about paying off our mortgage before and even done infrequent mortgage payoff updates just to show how a biweekly schedule pays off your mortgage faster.

    But this is the first official update where I’m starting with a clear goal: paying off the mortgage much faster than planned.

    Let’s go!

    Mortgage Payoff Update Details

    In this video I’m comparing our mortgage balance from Dec 2020 to the end of March 2021. Covering the first quarter of 2021 shows how much progress we’ve made so far this year.

    This mortgage payoff update shows what we’ve done in the first quarter of the year to reduce our mortgage balance without doing anything extreme. We haven’t been attacking our mortgage super aggressively because we are saving and investing heavily but I wanted to show how our biweekly payment schedule still helps us pay down the loan a bit faster thanks to extra principal payments.

    mortgage-payoff-update-march-2020-2

    Our previous mortgage balance in December of 2020 was $135,434.00.

    Since then we made several months worth of payments and in March we made our $650 biweekly payment that went straight to the principal of the loan.

    We also made our first principal only payment from side income which further reduced the balance.

    The new loan balance on our home mortgage was then $132, 698.53.

    From December 2020 to the end of March 2021, we reduced the mortgage balance by $2,735.47.

    mortgage-payoff-update-march-2020-2

    New Mortgage Payoff Plan

    This also marks a major turning point in both my YouTube channel and the mortgage payoff journey because…

    I started using money from THIS YOUTUBE CHANNEL to help pay down the mortgage faster!

    This was the first update where I also made a specific mortgage payment toward principal only simply from my extra income on YouTube. Since I have talked about debt payoff and our mortgage so much on my YouTube channel, I felt like it was a good fit to use the income for that. I also had a ton of support on my previous video about paying down the mortgage so I will be doing a split plan for now.

    Our new mortgage payoff plan involves using one of our multiple income streams to help pay down the mortgage faster.

    My YouTube channel and the related income is an income stream that I will be using to help fund all our housing needs current and future, which involves paying off this mortgage!

    The new plan for the income on my YouTube channel involves splitting the income three ways:

    • 50% to my M1 Finance investing account to grow the money for a future downpayment in several years
    • 25% to my M1 Spend account (checking with 1% apr) which acts as our house fund
    • 25% to the mortgage principal to pay off the mortgage faster

    This split allows me to hedge our bets since we don’t know for sure when we will truly want to buy our next home. All we know for now is that it won’t be within the year and most likely not within the next two years. Taking the pressure off myself to buy a new home sooner has meant we can work toward giving ourselves more options.

    This new plan for the extra income gives us options and focuses the money where it will get the highest returns but also still allows us to payoff the mortgage. So many online arguments over mortgage payoff center around not getting the best return for your money and this split plan allows us to pursue both options – the higher investment returns and the peace of eventually paying off our home.

    What Has Helped Pay Off The Mortgage Faster

    I mentioned that we have not been aggressive yet with our mortgage payoff, but we have still been working toward the goal. I’m all about making big moves without a ton of extra effort so the things we’ve done have barely affected our lives but they have made a big difference to the mortgage balance reduction.

    Things making a big difference in our mortgage payoff include:

    • new refinanced loan (we refinanced our mortgage in 2020)
    • 30 year loan moving to 15 year loan
    • changing interest rates from 3.625% to 2.75%
    • dropping monthly PMI payments
    • paying biweekly payments
    • paying a tiny bit extra each month

    None of that really made a huge difference in our normal lives and budgets but it made a huge difference in how fast this will be paid off! Each little addition towards paying off the mortgage adds up to make the timeline much shorter overall.

    Many small steps and tiny changes do not feel like they are doing much at the time financially, especially when you are staring at a big goal. But they do actually add up and lead you closer to where you want to be.

    Never discount a step in the direction you want to go no matter how small it may be.

    Mortgage Payoff Tracker Progress

    In this video I caught up on tracking my mortgage payoff progress by coloring in both my tracker printable and my amortization schedule.

    Having visual reminders of your progress is one of the keys to debt payoff motivation and one of the biggest ways we managed to pay off debt previously.

    I’m very excited to be tracking our mortgage payoff progress in a visual way so that I can easily see how far we’ve come!

    Mortgage Payoff Tracker Printable

    If you are also on the journey to paying off your home, check out this mortgage payoff printable!

    Mortgage Payoff Tracker Printable | Mortgage Debt Payoff Tracker

    This home mortgage payoff printable was designed to help you stay motivated on the long journey of paying off a mortgage and it’s one of the tools I’ll be using in my own payoff process! Tracking your progress visually can help keep you on track and motivated!

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  • Make Money With Your Brand Clubhouse Panel

    Panel details:

    Panelists and their brand:

    Everyone listed has grown their brands beyond just a single YouTube channel or singular platform. These panelists make money from their brands via courses, podcasts, websites, digital products, affiliate marketing, Patreon, startup companies and more.

    Resources mentioned:

    Questions and Answers:

    I own a digital marketing agency and we are trying to add passive income streams like DIY, DIWY and still keep the done for you. Are there any resources to help create these DIY and passive income products? How can we package and develop the curriculum of what we offer our clients into a DIY system with things like courses and access to our team?

    Jade: Most people have too many platforms and it can get really confusing so packaging should bring people to your website so there are not too many segmented places. 

    If you already have a site, check out Memberful.com that connects all the platforms and your paid email list. Memberful allows payment processing for all the platforms so you aren’t utilizing multiple platforms.  It could connect to the future products you create from courses to paid newsletter and so many other features.

    Sandy: Also check out Beacons, similar too Linktree but offers payments and works with Stripe.

    Sharon: Check out Teachable, it hosts courses and also membership options as well.

    I would like to know about marketing courses. What do you recommend to try for the first time?

    Sharon: We recently launched a course successfully and we used email blasts, Instagram and Facebook groups. We focused on delivering a lot of free content around our topic to deliver value and then if people wanted the step by step they could buy the course. Building the relationship with the audience came first and then that led to course sales.

    Once you have sales then you can reach out to customers for testimonials and share those along with answering frequently asked questions and refining your sales page. Then once you’ve got that done just announcing it on your multiple platforms to your existing audience.

    Sean: We also did a lot of lives and let people see we were real people and get to know us. This let people know more about us to encourage them to buy from real people doing this and answering their questions. We got sales during each live we did.

    Is anyone on Pinterest? I’ve had some brands reach out and I know it’s been good for mommy bloggers long term.

    Sandy: Pinterest is great for video and they are pushing it so definitely repurpose your reels and tiktoks as content for Pinterest.

    Sharon: I use Tailwind to schedule for Pinterest for my site.

    Other notes: Use creator studio and official partner platforms like Planoly for scheduling otherwise sites like Pinterest will lower your reach and cause potential problems. 

    What would you suggest for a YouTuber who just reached 100,000 and is ready to reach the next level? We’ve hit the goal of making our income from home but ready for the next level. Next goal is to ratchet that up. We have an MLM business, Youtube, and we are looking for the next income stream to create stability if one income stream disappears. Another group suggested making something I own since I don’t own the other streams. I have home improvement type content with 145k subs on YouTube and 6k followers on Instagram.

    Nadya: I feel like Instagram is a missed opportunity here if you aren’t utilizing short form content for your home related content. You can lean into the short form content on all of these platforms (YouTube, Instagram, Snapchat). I’ve seen an influencer with a more engaged audience on Instagram has potential for higher brand sponsorships. 

    Other easy ways would be to white label into a brand including the tools you need to do home improvement at home since that’s your topic.

    Jade: I would reframe this and look at creator longevity. You are a media company that also has a product. We are building a community and making sure you are on the right platforms to build community long term is important. If you don’t want to clog up your main channel then you can start a second for short form content but definitely focus on the audience cultivation and then work on the product.

    Create a newsletter or an email or even Facebook messenger (which could be an email replacement with a better open rate since email is not the only option). Creating this will flesh out your overall funnel and help with the multiple platforms leading to a product.

    I recommend having multiple platforms at 100k, evening out your followings on all platforms to hit this will lead to a better overall stable income.

    There are 3 ways to monetize as a creator – sponsored, affiliate, or white label and be the owner of the brand. Looking into creating your own brand and supply chain by doing something like raising money to create a branded product in the home improvement field.

    Recommendations: first even out platforms, even out email list, and then create product and merchandise to grow your brand.

    I’m starting out now as an artist and my focus is an Etsy art business. I’ve also wanted to do YouTube and have so many interests. How do you decide the best platform for your business? Is there a way to figure out the best platform for what content?

    Mary: Filtering in people from different areas is great as long as you are doing content that makes sense on each platform. I’ve had success on YouTube showing my products being used in videos since they are printables meant to be used. Seeing the product in use or being created always generates curiousity in potential buyers.

    Tiktok is a great platform for Etsy sellers right now especially for art since people enjoy timelapses in addition to behind the scenes content. People love watching these and the extra views can grow your audience and bring in potential buyers who will head to your shop and purchase. Showing off how your product is used on YouTube can be done in a similar way and you can even create longer form content showing the product creation.

    Another thing to note is Etsy is it’s own platform that is search based and it’s own beast to learn beyond any of the social platforms. That’s great because it can bring you traffic and potential buyers as well. Definitely learn about the SEO and ways Etsy can bring in traffic to your art for you. There are lots of ways to get your art seen on the Etsy platform itself when you are correctly utilizing SEO, tags, and participating in groups that have sprung up around Etsy with your type of art or style.

    How can I use get content creators to use my original music that I’m creating?  

    Jade: I see you are doing inspired beats and for the jazz type beats so you need to link people by remixing it. Ask yourself how can I make my content link to a relative audience by including things like an artist name and remixing to pull in that audience who is relevant. Doing a Billie Eilish remix with your own music for example.

    Also I highly recommend using TikTok and using duets so you make a track for someone to duet that enables them to share your content. Also using stitching when you mesh a popular track with your own beat. So picking a trending song and putting your music in to remix so you tap into the trends and reach more people.  

    I created a product that has nothing to do with what I do for a living or what I’m known for widely. I’m not sure where the connection is and how to connect with the audience on clubhouse or other platforms that would want this product. How do I reach people when it’s not what I do full time?

    Denis: Sometimes you curate a different audience on different platforms. I offer financial videos on YouTube but share about the aspects of making money on YouTube on clubhouse. So it’s ok to work on different audiences in different places.

    Jade: Agreed, you can have different audiences on different platforms. On TikTok I have a large audience that loves surfing even though that’s not my main topic elsewhere. It’s brought me sponsorships and new audiences and built my overall business even though it’s not my main topic. It’s helpful to grow an audience and doing something different can bring in new opportunities.

    Denis: Shifting your style can help you keep growing and learning because you are trying something new. Nate O’Brien is a great example of this to break through plateaus because he changed up his content in order to keep growing and get to 1 million subscribers.

    I’m a new realtor and I thought it would be great to share my journey so I create content about how to do this and how I created a referral business. I have been on TikTok for about a month and made a discord community but my reels are not doing well. There is no engagement beyond my followers and it’s not reaching out. I’ve been posting daily for two months. How can I reach a larger audience with reels on Instagram?

    Sean: I did 30 days of short form content and reels did the best but I don’t know why.

    Sandy: Don’t give up. It takes reels 3 weeks to a month to catch up on the content you’re creating and start sharing your content.

    I suggest posting less on reels instead of every day. Posting every day or posting too much can lose you followers. Sometimes if people see your content too much they get annoyed and unfollow. Post 3-4 times a week and only post content you know will do well. Tiktok and Instagram are very different;

    Jade: If people scroll by because you are posting too much they won’t show it to larger groups. Tiktok is different and doesn’t show to the existing audience first but instead pushes it out beyond your followers, so use it to test. Also test different things because it’s all about patience and figuring out what works. It’s just about timing sometimes. Sometimes we see people go viral but there can be years of work behind it.

    With Facebook, if you are not advertising and just making posts with your links are they not allowing people to view your content? If you don’t advertise will you get less views? If you share with links will they throttle your views and engagement? What are some tips and work arounds?

    Suzanne: Make sure you are posting from your business page to make sure you are getting that reach. Facebook isn’t suppressing posts but they push out organic content rather than links off the site. Facebook doesn’t want to push content that pushes people off the platform. Some people instead directly upload their content to the platform like uploading their Youtube video to Facebook rather than sending people to YouTube.

    Sean: Links on my personal page do ok but when I do the same links on my business page they only get 1-2 likes unless I advertise.

    Mary: Suzanne is right. Like all platforms, Facebook wants to keep users on their site. You will notice that any of these sites from Facebook to Instagram to YouTube focus on keeping users on their platform for the longest period possible. So they aren’t going to promote things that take people off platform to another site.

    I personally don’t have a brand but would like to become an affiliate marketer. What are you looking for when you reach out to people to promote your products? What have you noticed that makes your affiliates successful?

    Sharon: You don’t need a huge platform if you create long form content where you are trying to rank for keywords that encourage someone to make a purchase. Creating a bunch of informational content that will rank and encourage someone to buy tends to be successful. Also the most successful are people who actually use and love the product, not just promote things that they can make money from. It’s also easier to make content around this.

    Denis: You don’t have to have a big following. I went full time on Youtube with 10,000 subs because of affiliate marketing. The key is you have to give value to people in order to get them to click through and purchase. If you are getting started, get started with things that you are using and once you are better and understand the audience you can move on to things that you don’t use. This is what I’ve done and now I promote things I don’t personally use as long as I know the product is good. 

    Also keep it relatively the same niche with the products you are promoting. It won’t make sense to an audience if you are promoting all different things from beauty to home to finance and are all over the place.

    Nate: You can also have a company make an affiliate program for you if you have the traffic. I’d start with building traffic and use that to go to companies with products if you want to promote.

    I’m a personal trainer who created a physical product. How do I continue the success I had with in person events selling products where I sold out in person? I want to reach new customers and clients and I want to build further. Should I send products to influencers? What advice do you have? 

    Denis: You’re more like the advertiser looking for publishers to create content. As a creator we get a ton of emails asking for promotion from brands with products. I’d look at smaller influencers who usually have more engaged audiences on every platform. Finding those creators with 1,000-10,000 follower audiences will lead to sales and provide a much easier path. 

    Jade: I would go very local based. Emailing 100 random influencers won’t stand out because tons of companies are doing that so doing something different and local based would stand out. Or going to colleges where college students are becoming influencers and giving them product and they do a once a month zoom workout or something. Doing something different that stands out or is fun and unique or be very hyper specific in location where you work with just influencers from a certain college or city.

    Sharon: We are doing influencer outreach right now and we had out interns find accounts they resonate with so it’s not a random list of people. We use a tool Mix Max to automate the outreach and follow up with influencers.

    Jade: Use calendly to schedule times for bootcamps so people can give input on times they can make a live class. Build up your email list before hand to make sure you aren’t doing bootcamps or workouts for two people. 

    Where can you find influencers to help promote your brand? I sent my product to an influencer and go no traction and sales.

    Jade: That happens to all of use. She might have fake followers but it actually happens to all of us. Sometimes you share something and no one swipes up. That’s why brands do long term relationships with year long contracts or 4-5 posts because the first few campaigns might not provide much. Longer basis is better. You can also look into YouTubers because it’s harder to fake followings on YouTube.

    If you want to see if they have a true following you can check on Social Rank.

    Denis: Also consider some people are great at engagement but not great at being a salesman. Not all influencers have this so it is important to make sure you are evaluating whether or not the influencer can sell, not just if they get engagement.

    Big brands reached out to me to sponsor a fireside chat after I created a successful ClubHouse community. I haven’t seen anyone monetize here so how would I price it?

    Jade: My question would be to find out what their goal is and what their intention is to achieve. Shoot for the stars and then let the negotiation happen until it’s something you can accept. Shoot your shot.

    Suzanne: Definitely overshoot on whatever price you think you should get. Ask for more when it’s big companies because they will definitely pay for that. 

    Sean: Also remember you are setting a standard for everyone on Clubhouse and future monetization. 

    I have a job, a wedding photography business, podcast, and I made $12 from blogging in December which was the best $12 I’ve ever made. What do you think can help becoming a thought leader and grow this without killing my limited free time? Tips and strategies without spending too much time. I’m overwhelmed with options and feel limited time.

    Sharon: It’s about what your are interested in like if you enjoy writing then do blogging. The platform matters less because you don’t need a huge audience to earn money with affiliate marketing. If you are giving a lot of value to the audience then the platform matters less.

    Denis: The biggest thing with affiliates is that there are products you need to recommend that you don’t need but can help your audience. I also feel good when I make a sale because I know that will help people long term. 

    Mary: Double down on what is already working. It’s super easy to get caught up in shiny object syndrome and always start new outlets. But if something like blogging is working for you or your podcast is you main thing, double down on that. You don’t have to be everywhere especially if you have limited time and capacity.

    I’m documenting my journey as a 20 year old building a business and want to build a sustainable audience that connects with me. I’m getting lost in between when I’m building the operations of the business versus when I’m creating content. I feel like when I’m doing one I can’t do the other as well and would like to know how to manage this?

    Jade: You have to manage both. It helps to outsource things where you don’t have to spend the time to do things like editing. Also, ask yourself what kind of entrepreneur you want to be in five years. If you love the talking and videos then maybe you want to be more of the creator type business.

    When things get hard and you have less time, when you know who you are and what you want to be then you know which you’ll want to focus on. It’s imperative to do both so delegating can help with accomplishing that. 

    Also try to use platforms with short form content because that is a lot easier than making long form Youtube content.

    TJ: One thing I do is dedicate one day to all the content creation where I film everything and then have that delegated for editing and then the rest of the month you can work on your business. You can do everything but need to be able to focus.

    How did you outsource your editing and where did you find those people?

    Jade: They are people I know or people that reached out to me. It’s about the culture you want to build. Do you want to be friends with them and in person a lot? I personally choose local and aligned values. 

    TJ: Ditto about vibes with the person. I have tried upwork and agencies but I feel like the editor should understand your brand and vibes and humor and that’s great. 

    I feel like the instagram algorithm has changed for me and I’m getting less engagement. How do I improve it? Should I diversify to other platforms? 

    TJ: REELS!

    Sharon: Reels changed it for me, I grew from 3k to 50k because of reels mainly. 

    TJ: Reels has great organic reach. I’d focus on that and pump that. You don’t have to post daily and if you great good content it will help grow your views.

    For the main Instagram platform would hashtags help? 

    TJ: yes hashtags help but be careful because anything basic will be very saturated. If you choose hashtags with 100,000 posts or less it has a better chance to be seen.

    I started my brand and reached out to 30 influencers and 10 responded. What are some creative offers to offer influencers besides money? I’d like to work with influences that care about me and my brand not just people in it for the money.

    Jade: Flatter their ego. If you can’t offer money then flatter their ego, by doing interviews or a creative content series where they are an exclusive guest. As an example a brand reached out to me but couldn’t pay but they offered for me to be in a fashion show and that seemed cool.

    Aim for smaller creators below 100k following because bigger creators are going to expect larger payments.

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  • How To Leave Robinhood App For Investing

    There are a lot of reasons to leave Robinhood and move to another investing platform. In the last week or two the reasons have increased and more and more people are abandoning Robinhood for good reasons.

    Reasons To Leave Robinhood

    When I previously posted about starting a dividend portfolio on Robinhood, I was very excited about a platform that made investing feel so fun. However, over time I’ve discovered a lot of reasons why Robinhood App is subpar for investing as well as personal reasons too.

    Some reasons to leave Robinhood based on their failures:

    • Outages on days with big volume which have led to people losing hundreds and thousands of dollars
    • Lots of bugs and glitches in what shows especially on days where trading volume is very high
    • Customer service is very limited and if you have a problem you can’t get someone on the phone or email (you can just yell into the void on Twitter)
    • There have been issues with users being hacked and accounts looted
    • Robinhood has been sued and will be sued again
    • There is a lack of transparency on how they operate and make money off of the users which does not match their stated company ethos
    • During the Gamestop / short selling debacle of January 2021, they took action limiting what users could purchase which manipulated the price of stocks in a downward manner
    • The lack of transparency and disclosures from Robinhood in multiple cases pits them agains their users which means you aren’t getting the best deal or service

    Some reasons to leave Robinhood based on my investing style as a long term investor:

    • They don’t offer many beneficial investing account types including IRAs, HSAs, 529s etc
    • Because they don’t offer those account types you can only open a taxable brokerage account meaning you will pay more taxes on gains unnecessarily
    • They don’t offer access to buy mutual funds or bonds or several other asset types that you may want in a portfolio to diversify
    • Focus is on stock picking, options, and other riskier investing styles which can lead beginners into trouble

    Those are reasons to leave Robinhood as your investing platform. Luckily it is easy to transfer your stocks out of Robinhood and move to a better brokerage that offers more account types, asset options, and superior customer service.

    How To Transfer Stocks Out Of Robinhood

    Leaving Robinhood is easy and can be done by opening another account at a different brokerage and then trasnferring your stocks.

    You do not have to sell your stocks to leave Robinhood!

    You can sell some if you want, but remember that for any profits / gains you will need to pay capital gains taxes. If you’ve held the stock less than a year that tax rate can be substantial.

    Robinhood even has a guide to how to transfer stocks out of your Robinhood Account.

    Some important things to note about transferring your stocks out of Robinhood:

    • Robinhood supports partial and full outbound transfers of your stocks.
    • Once you transfer all assets out of Robinhood, they will close your account.
    • There is a $75 fee to transfer assets out of Robinhood to another brokerage.

    The process is pretty simple and most major brokerages can help you walk through it as well. The instructions on how to initiate the transfer from Robinhood are quite simple since the new brokerage handles most of the actual work:

    To begin the process, you’ll need to contact your other brokerage and have them initiate the transfer. They’ll submit the transfer instructions to our clearing partner to transfer over your assets and funds.

    If you transfer all of your assets to another brokerage, we’ll close your account.

    Please make sure you initiate an ACATS (Automated Customer Account Transfer Service) transfer. Please don’t request stock delivery using any method other than ACATS, including DTC and transfer agent transfers.

    You might need to give the other brokerage your Robinhood Securities (RHS) account number. You can find this information in your mobile app

    1. Tap the Account icon in the bottom right corner.
    2. Tap Investing.
    3. Your account number will be at the top of your screen.

    You may need to reference a DTC number for your transfer. Robinhood’s DTC number is 6769.

    After you initiate a full transfer, your account will be restricted to ensure the transfer is processed smoothly. You won’t be able to make any trades on the assets being requested, including options in the underlying asset, while the transfer is in process, but keep in mind that you’ll still own the securities or positions during this time, and they’ll update in the app to reflect their current market value.

    You can use any brokerage and many have advantaged above Robinhood. The three brokerages I personally use and like to recommend to people are:

    Those are the platforms I’ve ended up with and plan to stick with long term. Of note, if you are trading then M1 Finance will not be for you since it is geared toward long term investing rather than trading.

    Why I Left Robinhood

    I decided to leave Robinhood as an investing platform in November 2019.

    I left for several personal reasons and issues with the platform as well. As time has gone on Robinhood has only revealed even more negative issues for users.

    Personally I left Robinhood for a several reasons:

    • Has outages on big volume investing days
    • Has lots of bugs and glitches especially when things get busy
    • Customer service there is almost non-existent and you can’t call them
    • You can email but you can’t expect an answer
    • Users have had issues with hacking and looting of accounts
    • I’m not a trader and the app encourages moves that aren’t the best and can be based on emotion
    • The gamification of investing on the app is fun but also encouraged me to act too quickly and not make the best decision

    I originally downloaded Robinhood to open an account to buy stocks because it looked fun, it’s easy to use, and a lot of other YouTubers used and loved it. Yes, even I buy or subscribe to things because of channels I watch.

    I also had the idea of using this portfolio of making it public and sharing what stocks I’ve bought and why. However, after months of use I realize … I just don’t want to do that. I’m not great at picking stocks, I’m not confident enough to recommend them. 

    I can talk all day about index funds and ETFs but individual stocks still trip me up. I’m not great and analysis and honestly I’m too emotional about buying stocks.

    Robinhood has a ton of bugs and outages. Any time there is high volume traffic during a day the app gets glitchy and has hiccups and sometimes just doesn’t work at all. On the biggest days of the past year with stocks Robinhood basically just shut down and screwed over a lot of people and Robinhood did not seem to care about those people.

    Yes, its a new app and they are going to figure it out but I’ve decided if I want to put a lot of money into a platform, it’s not one that feels like it is still working out the kinks.

    So while there are some benefits to Robinhood and I love a lot of the little features and how easy it is to use… it’s just not enough for me to stick with them long term and build a large portfolio there. Since I’m planning to invest heavily after paying off debt I wanted something more stable that better fits the style of investing I actually like to do. 

    I also personally just want to consolidate. I have multiple accounts at multiple companies and frankly I don’t have time or desire to keep checking multiple portfolios and making sure nothing is on fire or needs to be adjusted. Robinhood is only a small percent of my overall investments yet it’s still something that I feel like I have to give too much attention. This whole experience has confirmed that I’m truly a hands off inventory who likes to make things easy and passive. That means I like buying index funds and ETFs where someone else I trust is doing the stock picking not me. 
    With that investing strategy in mind, I don’t need an app like Robinhood in order to consistently invest in those types of investments. I don’t regret using Robinhood or regret recommending it to people because in many ways it’s still a great option and really did change the investing landscape with no commission fees. But for this point in time.. it’s not right for what I want to do.

    I decided to consolidate and to sell those stocks where I’d made a poor choice and had lost money. I also sold some where I didn’t want to hold the stock long term but the gains were not that high and were cancelled out by the losses on others. This money was used to help me pay down debt and get closer to debt freedom. I planned to move the remaining stocks I wanted to hold long term out of Robinhood to another account at a more reputable broker.

    Sometimes you want to try out new things and investigate what is seemingly working for others and that is totally ok! It’s not a bad thing to stray from what you know and learn and see if you like another strategy or plan with your money.

    In this case, I didn’t like it as much and I’m going to go back to the strategy and investing plan I’m comfortable with and honestly, love the most. I’ll be sticking to my plan and sharing more details with you in the future especially as I start to pour more money into investments to hopefully build a future or financial freedom for our family.

    As always, thanks for watching, reading, and supporting!

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