Bitcoin Pizza Day: 10 years ago the most expensive pizza ...

Round up of Cryptocurrency News #2 Week 13/07 - 19/07

Round up of Cryptocurrency News #2 Week 13/07 - 19/07
So much has happened this week! We saw a capitulation point of bitcoin before bears took over and we saw the selling pressure push Bitcoin down toward the $9000USD mark then move back up above $9100USD So far it has been a stable hold, however we may see some more action within the coming weeks.
 
Widespread scamming within the Twitter-sphere, Youtube and other platforms as Bitcoin and other cryptocurrencies may seem like fair game. Cryptocurrencies providing big payouts for scammers without the ability for reversals of accounts. Remember if something seems too good to be true, do some research or just plain do not respond/believe it. Stay safe and careful with your funds!
 
On the brightside, there has been even more adoption of cryptocurrencies as rumours of Paypal utilising cryptocurrency has been confirmed as they are developing crypto capabilities. In addition to this we received exciting news at the start of this week about Binance partnering with Swipe (SXP) and offering a debit card to spend BNB, SXP, BTC and BUSD. ( I will be keeping a swift eye on BNB and Swipe as its utilisation as tokens has just increased 43 fold).
 
Positive news for the Bitcoin network as its hashrate reaches all time high which helps to secure the network further even though mining profits have dropped by 50% from the recent halving. If you didn't know already the last Bitcoin will be expected to be mined in 2140 with its difficulty ever increasing and each time securing the network further. Processing units will have to become faster, stronger and most importantly more cost effective to continue to entice miners for the block rewards and further renewable energy practices.
 
Furthermore we can see Central banks and countries discussing and developing Central Bank Digital Currencies (CBDC). Read more about it here https://www.investopedia.com/terms/c/central-bank-digital-currency-cbdc.asp and check out some of the developments in the world above. This shows the popularity and strong nature of cryptocurrencies. As the saying goes "If you cant beat them, JOIN them".
 
Overall, very solid week full of adoption, animation and anticipation. Another post next week for a weekly round up! See you then but in the mean time join us at our Gravychain Discord.
- DISCORD LINK: https://discord.gg/zxXXyuJ 🍕 Bring some virtual pizza to share 🍕
Come have a chat, stimulate a discussion, ask a question or share some knowledge. We are all friendly crypto enthusiasts up for a chat, supportive and want to help each other with knowledge and investments!
Big thanks to our Telegram and My Crypto HQ for the constant news updates! - The Gravychain Collective: https://t.me/gravychain - My Crypto HQ: https://t.me/My_Crypto_HQ
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15 Apps That Will Earn You Passive Cash Back (Best Passive Saving Apps 2019)

This is the updated 2019 Q1/Q2 version of this post. If you remember reading the previous iteration of this post, there are several changes to the list this time around. Some new additions, and some removals.
I'm not necessarily listing these apps/sites off from best to worst, but the higher names on the list came to my mind faster, which basically just means that I prefer them.
Note: Most of these apps will be US only. A couple on this list are for Canada as well, and I've tried to make notes about apps that work outside of the US.
Having said that, let's get right into it.

15 Passive Cash Back Apps 2019

Pei

Ref = fish

Pei is an automatic cash back app, very similar to Drop (listed below). When you sign up, you'll link a debit/credit card and you'll then automatically start earning cash back as you shop at certain Pei merchants (listed just below). There are so many merchants with Pei that you'll likely find yourself accidentally earning cash back on the app, without even knowing it. Pei is an app that you can really just link a card and then check back weeks later and surprise yourself with the money you've earned. The app has improved so much since the first time I posted about it, that it deserves the top spot in this post. You can cash out instantly as soon as you reach $15 in your account, and they're currently offering a cool $5 bonus when you sign up with a referral. My referral is "5LTZ1S". Big appreciate if you use my referral to sign up.

Pros of Pei:

So with all of that being said, let's talk about the stores you can find on Pei. Just note that these are only stores that are local to me, so if I don't have a certain store near me that Pei offers, I won't have it on this list. Additionally, Pei actually offers so many stores at this point that there's no way for me to actually keep this list up to date at all. There have been countless times where I've shopped somewhere that doesn't even come up as an option to earn with Pei but I'll see cash back listed on the app. It's really quite impressive.
In addition to receiving cash back at many locations, Pei also has a 'loyalty bonus' where if you shop at a certain store 5x you'll earn a bonus of $0.50!
They also do offer a "$2 on $20", essentially meaning that if you spend $20 at a certain merchant, you'll earn a $2 bonus. Local for me, I have the following options for $2 on $20:
I feel like a lot of people will enjoy this ~10% bonus on UbeLyft, especially if you ride a lot.
Most stores do have a $5 daily/weekly earning limit, so do be aware that if you spend more than ~$500, you'll likely reach an earning cap.

Drop - (iOS | Android)

Ref = fish

Drop is a passive loyalty program for US/Canada that allows you to choose 5 popular stores where you'll earn cash back (automatically) at as soon as you shop at them (both online or in store). You'll start off by linking your cards to drop (credit or debit), and they'll automatically track your purchases and once they notice a purchase from one of the 5 stores that you selected, you'll automatically earn cash back in the form of drop points which can be redeemed for instant gift cards to several stores.
As mentioned above, once you register you'll be presented with a list of store options. Do note that the stores you choose might be stuck with you forever, so pick stores you plan on shopping at a lot in the future, since you might never get the opportunity to change them.
For a new user signing up today, here are the current options you'll be presented and the corresponding rate:
Do note that this list may change at any time, but historically whatever rate you receive when you sign up is the rate that will be locked in for you.
Here are a couple things that are worth noting:
Other ways to earn with drop:
While the passive options have already been discussed, I think it's important to highlight some other features that the Drop app provides. In addition to your ongoing offers, you can also earn on Drop by participating in mini game challenges, one time offers, mobile offers/linked offers, Supercharge mini game, and referring friends.
Let's talk a little about that:

HOOCH Rewards (Ref Link)

HOOCH is a new addition to this list. Similar to Drop and Pei, HOOCH will automatically earn you cash back when you link a credit/debit card.
If you understand how Drop or Pei work, there's not really much more to say about HOOCH's cash back system.
You'll instantly earn 1% cash back at the following national brands:
  • Uber
  • iTunes
  • Starbucks
  • Domino's
  • Netflix
  • Shake Shack
  • Spotify
  • Audible
  • Redbox
  • Uber Eats
  • Hulu
  • In-N-Out
  • Chipotle*
*I don't see Chipotle listed, but I've definitely been earning cash back from Chipotle for each of my purchases.
In addition to 1% cash back at the national brands, here are some other ways you'll earn with HOOCH:
  • Connecting your first card ($5 bonus)
  • Drink at a HOOCH Venue (5%)
  • Book a Hotel (5%)
  • Dine at a HOOCH Venue (5%)
  • Refer friends
HOOCH started a long while back as a subscription app where you'll buy a subscription and you'll get a free drink at a HOOCH venue every day. The venues are extremely limited, so a majority of the people reading this won't find any value in that plan. Dining is just as rare.
Their referral system appears to be pretty generous. They're currently offering a $5 bonus for each friend you refer, as well as a 20% bonus on their earnings for life. Here's my referral link, if anyone cares enough to click it.
Here's the downfall of HOOCH:
You can only cash out for gift cards, and the minimum is $25.
For most people, this is a really big disadvantage of this app. Assuming that most people will only be earning through the 1% cash back brands, the minimum you'll need to spend in order to his the cash out minimum is $2500, which would likely take most people a really long time, since the brand options are not places where you're likely to spend a lot of money frequently...like, for example, a grocery store.
But still, you could probably earn yourself a few free gift cards every once in a while for a totally passive app.

Butter

Canada Only!

The ability to earn cash back with Butter is currently only available to Canadians. If you're in the US and you're interested in Butter, you can still use their limited US friendly version here. Canadians, don't use this link!
Butter is a service that allows you to track your ongoing subscription services while earning cash back from them 100% passively. When you sign up for Butter, you'll link your bank account/cards and it will automatically help you track your subscriptions (think Netflix, Dropbox... almost anything, really) by telling you how much you're spending on each. This actually seems like something I could really benefit from, because I just recently discovered a subscription that I totally didn't realize I was paying for for the last 6+ months. You'll also earn 1% cash back from each subscription Butter tracks.
I would provide a list of the subscriptions that you can earn cash back, but according to butter, the "list is in the 1000s."
You'll earn your cash back automatically by Interac e-Transfer once your cash back balance is over $25.
$25 is a steep minimum, but if you're someone who either has a lot of subscriptions or has some expensive qualifying subscriptions, it might not take too long to reach the minimum.
Since I'm not Canadian, my experience with Butter is very limited. You can read more about how cash back works in their help threads here.

Bumped - Sign up & join waitlist!

Bumped is an investing app, when you really boil it down. When you sign up you'll select one brand in each category (there are a lot of categories, you'll see below), and each time you shop at the selected brand, you'll earn the certain specified purchase back in the form of company stock. This is unique to all of the other apps on this list, because you're actually receiving company stock. Also, because of this, I think it's very important to note that in order to sign up for Bumped you'll need to enter your SSN since you will be opening up a brokerage account.
As of posting, the following are the category options that you can choose from:
I've bolded the brands I selected. Obviously you should pick a brand that you can find yourself using the most. Do note that if you pick a brand that you might want to change later, you'll get the opportunity to change your brands 3 times a year, at least 30 days in between.
Category Options
Burgers 3% at Jack in the Box
3% at McDonald's
3% at Wendy's
Coffee 2% at Dunkin' Donuts
2% at Starbucks
Drug Stores 2% at CVS
1% at Walgreens
Family Dining 2% at Applebees
2% at Chili's
2% at Olive Garden
2% at Red Robin
Grocery 1% at Kroger Family of Stores
Home Improvement 1% at The Home Depot
Mexican Food 2% at Chipotle Mexican Grill
2% at Taco Bell
Music Subscriptions 1% at Pandora
5% at Spotify
Pizza 1% at Domino's
5% at Papa John's
2% at Pizza Hut
Superstores 1% at Target
1% at Walmart
Telecommunications 1% at AT&T
1% at T-Mobile
3% at Verizon Wireless
Video Subscriptions 1% at Netflix
5% at Sling TV
Vineyards 1% at Willamette Valley Vineyards
One thing that is listed on the app is that if you want to move your way up on the waitlist you can refer your friends to join the waitlist as well.

Uber Visa Local Offers

Shop or dine out, get Uber credits back.
Use your Visa card next time you dine out or go on a shopping spree at a featured store and earn Uber credits toward future rides. To join, go to settings in your Uber app and tap on Visa Local Offers.
Whenever you shop out at certain places you'll instantly receive uber credits to your account. It's really simple, and yes, this does stack with all of the other cash back apps you might be a part of.
The brands they offer do change semi-frequently, so you should check them from time to time.
In the past there have been 100% cash back offers for streaming services, and 10-20% cash back at Sam's Club. Considering that these offers do stack, there is some really great potential if you find any value in uber credit.
If you're interested in activating the Visa local offers, you'll need to make sure you have a visa card linked to your Uber account first, and then you should see "activate local offers" in the app settings or payment settings of Uber.
There's really not much to say about Visa Local Offers, but if you're looking for some FAQ/Terms, feel free to check them all out here.

Groupon+

Groupon+ is a card link program introduced by Groupon that will automatically earn you cash back when you shop at select local restaurants.
The program is pretty easy to understand, but it isn't completely passive. In order to receive cash back at the local restaurants, you'll first need to activate the offer. So for example, I have an offer for 20% cash back at Dairy Queen (10% cash back after first purchase).
For reference, here's the offer in question. Once I click claim, the offer will automatically be applied to my credit card that I have linked (you'll need to link a credit card/debit card the first time you try to claim an offer). Now that it's claimed, when I go into this dairy queen location and spend with my linked card, I'll automatically receive a rebate after my purchase. What's great about Groupon+ is that the rebate will instantly go as a credit/debit card statement adjustment. So if I'm getting 10% cash back somewhere and I spend $18, I'll automatically see an addition of $1.80 on my credit card statement. It's pretty satisfying.
Note: The location you claim does seem to matter. For example, linked above is a Dairy Queen location in Joliet, IL. It appears to be that I'd only receive the cash back at this dairy queen location. For me if I search Groupon for "dairy queen", I'll find a ton of groupon+ offers (some of them different!) for many local Dairy Queens. Just make sure you've selected the right location if you're earning from a chain restaurant.
Overall I think Groupon+ is worth checking out. Just note that a lot of the options will be for local businesses.

Cash App "Boosts"

For those if you who don't know what Cash App is, Cash App is an app by Square that lets you send and receive payments. They've also expanded their app to support bitcoin purchases, and they'll also let you use the app as a checking account. With the cash app you can also sign up to receive the Cash Card, which is a debit card that is funded with your cash app balance.
If you have not used Cash App before, they do have a fancy referral program where when you sign up and send $50 you'll receive $5 and so will I. I do want to make this very clear: Cash App referrals can see the full name of the person who refers you, and the person who refers you will have your full name shown to them. If you're really private about personal information, be careful whose referral link you use. If you trust me, here's my referral link.
Please note that if you want to use the cash app boosts that I'm talking about, you'll need to be 18 years old and have the cash card (which is free, don't worry)!
Cash App announced that their cash card will be seeing 'boosts'. Boosts are their fancy way of saying that when you use our card at certain locations you'll receive a discount.
Once you have the cash card, you'll notice on the app below your card you'll be able to select your boost. The following are my personal boost options, as of posting. The boosts change frequently,
  • 15% Off Doordash
  • $1 Off Any Coffee Shop
  • 5% off Whole Foods
  • 10% Off Buffalo Wild Wings
  • 10% Off Little Caesars Pizza
  • $1 Off Panera
  • $5 Off Any Purchase (requires using the card 10x to activate)
  • 10% Off Chipotle <3
  • 10% Off Dairy Queen
So there are quite a few things I want to say & clear up.
  1. You can use a boost every 1 hour.
  2. You must select the boost that you'd like to use prior to the purchase. AFAIK you're able to swap which boost you want to use as often as you'd like. So when you walk into Chick-Fil-A, just check and make sure your boost is set to CFA. If not, swap it.
  3. In order to apply the boost, you must pay with the Cash Card. It's automatic. If your total is $6 and you're saving 10%, you'll only need a Cash app balance of $5.4 for the transaction. Cash App will cover the other $0.60.
  4. If you link your Cash Card to Apple Pay, you can pay with it that way and the boosts will still be applied.
  5. This is important. If you have a boost applied, it won't expire. I'll repeat this. If you have a boost applied, It won't expire. So if Square wants to remove your beloved Chipotle boost, it'll stick with you until you decide to swap from it. If you really like it, don't swap! Do realize that just because you have the Cash Card on the app, you won't see the boosts. You need to have the physical Cash Card in your possession for the boosts to show up.
I've been really enjoying using the Cash Card for purchases. Especially at CFA & Chipotle. It's really not a hassle. When I'm standing in line at Chipotle I'll open the app and make sure my cash app balance is enough and if not I'll just add funds right away. The boost is applied immediately which makes you feel good. It's like the guac is free at Chipotle after you use the cash card. The only downside to using the Cash Card is that you won't be able to stack discounts with anything else on this list... Unless you find a way to link the Cash Card to any of the things on this list. Regardless, 10% off at Chipotle is the best I have found.

Empyr Apps

I've listed this as "Empyr Apps" because all of these apps are basically just the same thing. I'll take the example of Swagbucks Local since that's what most of you reading this will already be using.
If you paid attention in the Visa Local Offers section of this post, you'll find that the Empyr apps are actually very similar to those visa local offers.
When you shop at a certain store/restaurant, you'll earn with the empyr app you have linked. It's actually really not that special.
Here's a list of some/most of the current Empyr powered apps:
IMPORTANT NOTE: You're only allowed to use one Empyr app at a time! As soon as you link up with another Empyr app, you'll be disqualified from another until you link back up.
I do want to go into this list a bit this time around since there seem to be more and more Empyr apps popping up.
Dosh might be the most popular of these apps right now. Dosh has nice referral programs as well as sign up bonuses that makes it very enticing. Dosh also has very decent cash back at the stores they offer.
Swagbucks Local will always be popular among Swagbucks users. What's really nice about Swagbucks Local is that the payouts are always instantly converted to Swagbucks, which can help you cash out sooner. You'll also likely get a slot in the Swago board filled out, which might be beneficial to you.
Pei is a really cool new app on Empyr that offers cash back at a lot of places you likely shop at. I talk about it above.
RetailMeNot is a newer one on this list and it's the only one here that I feel like I recommend you go on/off with. RetailMeNot has recently been doing a lot of "Spend $X, get $Y" deals at a lot of the stores they offer. For example, they are currently offering $5 Cash back for in Store purchases of $30+ at Staples. This is a really good deal for an Empyr app, and would probably be my pick for that transaction, but not most of the time since they don't have very many stores as options.
I personally choose Dosh as my Empyr app. Dosh has a lot of funding, which allows them to offer some very generous offers from time to time.

CoinSeed (Ref | Nonref)

CoinSeed preface: I don't recommend CoinSeed as an option solely for passive cash back. The app has monthly fees, and even for just $1 a month, it will cut either entirely into your passive cash back earned, causing a net loss, or it'll take a huge cut. Only use CoinSeed for passive cash back if you actually want to use CoinSeed.
CoinSeed originally released about a year ago as an app similar to Acorns, where you're able to passively invest money by setting up a recurring investment or invest through 'rounding up' transactions. What makes CoinSeed different from Acorns is that they will take your money and invest it into cryptocurrency. Just recently they have also added a cash back section to the app which allows you to earn points in the app each time you spend at certain locations. Before we talk about the cash back from this app, I want to talk a bit about what you're getting yourself into.
Since CoinSeed is an app like Acorns, they're expecting you to use the app to invest money. If you're reading this and you're actually thinking that you'd be interested in using this app to invest into Bitcoin, there are a couple things I think should be pointed out. 1. There is a 1% fee taken from each deposit. 2. There is a fee of $1 per month that you use the app. Your first month is waived, so the fee will only kick in on the second month. The wording is confusing, but it seems like the fee will only apply if you deposit and invest in the given month. So let's talk about cash back.
Similar to many apps on this list, you'll link your cards to CoinSeed and that's how they'll track your transactions. CoinSeed actually has two different cash back offers. First of all they offer regular portals in the app. For example, shop at through our link and earn cash back! The reason I think this is important is because currently they're offering 2% cash back at Amazon.com when you shop through their link. Cash back is uncommon enough to find at amazon, but what's great is that the only restrictions listed is, "Doesn't apply on Gift Card." Which makes me think that so long as you're buying anything other than gift cards, you should be eligible for the 2% cash back. I've reached out to CoinSeed to clarify exactly what they mean by that (whether or not it is referring to just Amazon gift cards or third party gift cards as well).
The other offers on the app, which they call "Premium" are the passive cash back options, meaning that every time you spend at any of the brands listed, you'll earn cash back. Here are the options that are currently available:
  • Uber (1% cashback)
  • Netflix (1% cashback)
  • Starbucks (1% cashback)
  • 7-Eleven (1% cashback)
There's one issue, though. When you try to activate the premium offers, a popup will appear saying, "Sorry, this feature is only available for users who have made an investment using the auto investing feature." What this is essentially saying is that in order to earn cash back from premium offers you must invest with the app.
CoinSeed seems to want to emphasize that the cash back is only a benefit of using their app to invest in crypto. For most people, investing in crypto can be near feeless using alternate methods, and in my opinion this app really doesn't provide many/any benefits that would make me want to even consider using this app for the heavy fees that they take. You would need to be spending a lot of money with their cash back retailers in order for the 'I'm only here for the cash back' route to even start to sound viable.

Credit Cards

I've refrained from listing credit cards on this post for a long time. Maybe because I thought it was too obvious, or maybe it was unnecessary, but since the number of younger people using this subreddit has been increasing I feel like I'd be doing a disservice to entirely disclude a blurb about credit cards.
If you have a credit card and you don't really care to learn more about credit cards, just skip this section. If you're reading this post and you're 18+ (or if you're about to turn 18) and you don't have a credit card or don't know much about credit cards, I think it's a good idea to look into them. I'm not going to tell you exactly what a credit card is since that's an easy google search, but I will tell you about some benefits, especially about those that pertain to the benefits of this post.
Credit cards are great because you can essentially spend money just like you normally would*, but you'll also earn cash back on all/almost all of the purchases you make with them. Additionally, especially if you're young, getting a credit card is a really great because it will start helping you build credit. I'm currently looking into renting a house next year with two housemates and I'm shocked to see that neither of them have any credit. They quite honestly couldn't possibly live in a house without me, since I'm the only one who has credit.
*Make sure you're paying off your credit card every month (or however often you need)... Don't let yourself get into debt. I'd argue if you think you're going to get into debt with a credit card, I'd personally suggest you don't get a credit card.
While you need to be 18 years old to get your own credit card, if you're under 18, you can still start gaining credit. Most major credit card companies will allow your parents to add you as an authorized signer on their credit card (which basically just means that you'll get permission to use their cards). An effect of this is that you'll start gaining credit. If you're looking to build up credit but you don't think you're ready for a credit card, I'd really recommend you ask your parents about becoming an authorized signer. It's a good conversation to have with your parents.
Anyways, let's talk about the cash back benefits, since that's what this post is about, after all.
There's a lot of credit cards. This post isn't going to list them all out. This isn't really even the right subreddit for credit card discussion.
Nerdwallet has a great list of credit cards, so you might want to check it out here, but I'm going to share my own personal situation and recommend that for anyone who might relate, since the average age on this subreddit is around the 18-25 range.
My first credit card was the Chase Freedom Unlimited card. I actually still use this credit card very frequently since it's a pretty balanced card. A couple years back on my 18th birthday I went into my local chase branch and physically had to beg for this card (it's a really beginner card, trust me). After getting denied both in bank and online, I finally found a rep who would give me a calm $500 credit limit for the card. Note: I had no credit before hand.
The Chase Freedom Unlimited card offers 1.5% cash back on all purchases with the card... so when you think about it, I'd previously been spending $100 at Chipotle every month with my debit card, but with the Freedom Unlimited card, I would now be getting 1.5% cash back ($1.50) back on those purchases. It's just an easy way to save money on everything.
If you use the other apps I suggest in this post, you'll likely earn cash back passively from them on certain brands that are featured, but stacking a credit card cash back on top of all the other bonuses is the absolute best way to earn passive cash back since it's usually 1-5% cash back on your purchases.

ReceiptPal

ReceiptPal is an app that allows you to upload your receipts from almost anywhere that you go shopping. It's actually a really simple process.
When you sign up you'll be presented with almost little scratch cards which contains 4 spaces. Each space is filled with a receipt that you upload. Once you reach 4 receipts, you'll earn 100 points. 300/400 points = $1, so basically every 16 receipts you upload you'll receive ~$1.
"So, mr Fishering, how is this passive!?"
Unlike most receipt apps, ReceiptPal allows you to link your emails and amazon account and they'll automatically upload receipts for you. I actually let this app alone for several months and came back to thousands of points and cashed out instantly.
If you make purchases online, you'll essentially be earning ~$0.07 for every purchase you make if you have your email linked. They'll automatically find receipts and submit them, so it's 100% passive earnings.
If you also shop IRL you can submit physical receipts as well.
You can cash out instantly for $5 minimum in the form of a gift card. I'd recommend saving up at least 7,500 points for a $25 gift card, since it'll value points at 300/$1.

Paribus

Paribus is not your typical cash back site. Once you sign up you can link your different accounts (such as your amazon account) and it will automatically track your shopping. Paribus doesn't directly earn you cash back... it acts more like Walmart's saving catcher if you've ever heard of that. If an item you buy somewhere goes on sale shortly after or if there's any other discounts/promotions you may have missed when you originally bought something, they'll quietly get you a rebate on whatever you purchased. It can be very hit or miss. The catch is that they do take a cut of your savings. I believe it is 30% for all new users, but for each member you refer you can cut the cut by 5%. If you save $10, they'll charge you $3 to whatever card you have linked.
Personally I've found it to be really hit or miss, but I've found some incredible savings. I bought a gopro and I got $15 saved with Paribus, and I also got $50 back from some really nice headphones I picked up on amazon from Amazon. What's weird is I bought the headphones like 6 months prior to the rebate. Was shocking to see it, but I've really had some good luck with Paribus.

Sift (iOS | Android)

After the last post, I noticed a lot of people enjoyed Paribus, so I figured it'd be good to add some alternatives in this post.
So, here's Sift. Sift is a similar site to Paribus, and its key focus is on enforcing credit card benefits that many people don't know about. It's actually pretty nice. It'll let you pick your credit card and it'll tell you pretty much everything about your card. I have the Chase Freedom Unlimited card, and I was actually shocked to hear some of the benefits my card has that I have never been taking advantage of.
From Sift's site:
We automatically comb through your credit card policies to show you all your benefits in one place. For every purchase we let you know what benefits you are eligible for. We streamline the claim process to make it as simple as possible to get your money back.
You can link your emails as well as your amazon account as well and they'll make it really easy for you.
I have not actually used Sift much myself, so I cannot attest to how well it works, but the app store reviews are generally positive for Sift.

Trim Savings

Trim is similar to Paribus and Sift, but there's a certain void that it's trying to fill that the other two don't really seem to be filling.
Trim's main selling point is its bill negotiations. Instead of trying to save you money when a price drops, they're going to try and just nip it right in the bud and try to get your bills lower.
Right now they're mainly trying to negotiate with cell providers, internet providers, and cable providers.
Here's how the process goes:
  • Submit Your Bill: Submit your most recent cell phone, cable or internet bill to get started.
  • Trim Negotiates: Trim negotiates with your provider to get you discounts on your bill.
  • You Save Money: Trim takes 25% of annualized savings, but only on success—otherwise, it's free!
So, similar to Paribus, Trim does charge a fee. In a sense, I guess that's a good thing because it gives them an incentive to make sure to get some sort of bill decrease for you so they'll make some money too. Their rate is currently 25% of your bill negotiation. Of course, if they're not able to negotiate your bill for you, you won't pay them anything.
Trim does also monitor your bank account for you and they'll notify you of account changes (that you can set). For example, if they see a transaction worth $xxx, they'll notify me that I've made a large transaction. If there weren't already so many other sites/apps that could do that, I'd say that's a great feature that Trim offers.

Conclusion

Hopefully there's some new apps/sites you found out about in this post. If you sign up for some/all of these programs listed, you should probably find yourself earning some pretty decent cash back, depending on where/how much you spend. These apps are very satisfying to watch your balances build up on, and after a while it's very rewarding to cash out and treat yourself.
Since the last version of this post, I have removed a lot of shitty offers, that aren't really worth anyone's time. I removed Samsung Rewards since it's been devalued to a point that using their app solely for rewards isn't worth it at all. Samsung rewards is only valuable for non-passive offers that they occasionally have.
In this update I added some really great additions, but did remove a previous favorite, Spent, which is currently offline. I'm ready to edit the post if anything changes with Spent, but it's seeming more and more unlikely since the app did go so downhill so fast.
As always if you have any questions please do leave a comment or send me a PM!
Thanks for reading!
submitted by Fishering to beermoney [link] [comments]

So you made yourself a little bit of money, huh? How nice.

So you made yourself a little bit of money, huh? How nice.

 
All your life, all you've ever wanted, is a little bit of money. And congratulations, now you have it. Does it feel nice? Does it feel like a dream come true? Of course it doesn't. It's all just numbers on a screen, staring at you like a pathetic joke. But thanks to your thankless job, you made yourself a little bit of money. How nice.
And now, you, in all your half-decayed intelligence, have decided that you want to invest the little bit of money that you've made? Well, step right up to the raging wildfire that is the field of investing. We've got a shit-show full of stocks, mutual funds, bonds, real estate, gold and other commodities, all clamouring for your attention, and even more for your money. Done properly, you can retire into an ungodly amount of wealth. And done poorly, you can join the majority of investors setting their cash on fire, day in and day out.
But don't feel daunted or scared. You're on the right path, and that's probably the only time you're going to hear those words in your life. Just the fact that you're thinking about investing your money puts you at a major advantage, just the fact that you've even made a little bit money is extremely rare. Look around you, what do you see? People that are so poor that they're crawling out of their tents on the roadside, people that are such douchebags that they're buying worthless bling like fur sweaters and gold chains, people that are so childish that they absolutely have to buy the latest iPhone with their credit cards, and people that are so dumb that they just can't be bothered to learn about investing. Just the fact that you're here now, thinking about investing, makes you part of an exclusive club.
Before you get ahead of yourself and feel one cent of happiness for being better off than most, let me tell you something - there's an army of twats waiting to screw you out of the little bit of money that you've made, an army of twats who wants to take away the only thing that matters to your miserable existence anymore. These are crooked relationship managers who'll sell you anything to get commissions. These are unsuspecting relatives who'll recommend terrible investments just because they don't know any better. These are seedy stock brokers who'll push schemes offering incredibly high returns that are too good to be true. These are corrupt financial advisors who'll destroy your returns, either because they're incompetent or unscrupulous, or both. You've got an entire armada of twats just waiting to snatch the money right out of your wallet. What're you going to do about that? Are you going to put your head down and hand over the cash? Are you going to run to your mommy like the little bitch that you are? No, you're going to pull out a knife and stab that little twat right in the heart. And here's how to do that, beginning with a set of basic guidelines.
 
Savings are sexy
Let's be honest, you were never made of the stuff that gave wet dreams to women. Well, here's your chance. You know what all the girls like these days? It's not that ripped chest, or that sleak jawline. It's a man who saves. Step aside AXE body spray, there's a new sheriff in town. If you're spending more than you're earning, you've got bigger problems to worry. Before anything else, you need to make sure that you're bringing in more money than you're spending. So reign in your spending, delay gratification. That burger is going to taste pretty much the same without the overpriced slice of cheese. And the movie will probably be on Netflix in a few months.
 
Debt is your kryptonite
So you borrowed a little bit of money and are now stuck with the interest payments. That's okay, who hasn't done dumb stuff when they were young and full of hormones. I know I have. This one time I cleaned up an entire jar of mayonnaise thinking it was yogurt. Set some money aside every month, not just to pay the monthly minimum on your loans, but a little more so you can pre-pay all your debts. Some loans take priority over others: pay off your credit cards, personal loans and similar high-interest debt first. Keep in mind that not all loans are straight poison: those that help you develop assets like a home loan or increase future income like an education loan or business loan are alright. However, investing while carrying a high amount of debt is like playing football with one leg tied behind your back. Not exactly ideal.
 
Read like your life depends on it
Stop reading WhatsApp forwards, pick up a book, and then pick another one. If you don't develop a habit of reading properly, you're going to get a lot of poop flinged at you in this business. But if you can make it through a book every once in a while, get read to fling some poop on the n00bs. You don't have to go straight for the finance section. Begin with any book that sounds interesting to you, and work your way up. Reading not only helps you understand the world around you, but also develops a better personality and temperament within you. Most of you have the patience and memory of a goldfish, and generally speaking, goldfishes are not good investors.
 
Gold is old
Gold was what housewives in the 70s stockpiled in their cupboard because they had no other option. But you, you are the child of the 20th century. You actually know how to turn on the wi-fi. You have better options, like mutual funds. No matter what your uncle from the third cousin over says, investing in gold is setting your cash on fire. All it will do is make you feel good from the inside, while the eternal fireplace fuelled by your cash keeps burning in the background. Gold and silver are metals that we dig out of the ground. As an investment, they just sit there and stare at you. Just because they shine doesn't mean they're good investments. However, not everyone is convinced of this basic guideline. So if you're hell bent on investing in gold, I recommend going into the mountains and throwing yourself off a tall cliff. A medium-sized one works too.
 
Insurance =/= Investing
While housewives in the 70s had gold, housewives in the 80s had LIC*. Getting life insurance is critical if you have family that depends on your income, but insurance and investing, like pizza and pineapple, never mix well. Have you ever wondered what the insurance company does after collecting your premium money? Well, the company invests your premium money in stocks and bonds, which is also what mutual funds do. So let the insurance people insure, and let the investing people invest. Separation of labour was something that the caveman figured out in 2nd century. It's time you evolved from being a caveman.
 
Real estate is not real investing
The only reason for you to buy property is if you're going to be living in it. Buying real estate purely as an investment is one of the worst decisions you could ever make. Real estate: is an illiquid market (need to wait to find a buyer or seller), has high transaction costs (stamp duty and other bullshit charges), has a lot of red tape (needs several government approvals) and faces high maintenance costs (occasional cost of paint and plumbing here and there). However, every other Tom, Dick and Harry will tell you that real estate is a great investment. Why? Because real estate is how Indians signal wealth to others. It is how Indians demand respect from the chaar log committee. It's how we tell people that we've got a big dick, and we're not afraid to swing it around. You don't have a big dick. Tuck that little stinker back in your pants. You're just embarrassing yourself.
 
Pick your poison properly
Identifying the bad investments is a greater skill than identifying the good investments. Now that gold and real estate have been vilified as bad investments, let's turn to the places that actually deserve your money - mutual funds. For the uninitiated, which includes most of you idiots, a mutual fund collects your money and invests it in the stock market on your behalf. A diversified basket of stocks in good quality companies will outperform most other investments over any time period longer than 10 years. Mutual funds can give you this diversified basket of stocks. If you haven't been living under a rock for the past few years, you've probably see the advertising campaign - Mutual Funds Sahi Hai. And if you have been living under a rock, stay there. We're doing great without you.
 
Get yourself into a coma
The best investors, the ones who win the game in the long-term, always have patience. When you're investing in stocks or mutual funds, you need to have a minimum time horizon of more than 5 years. Any less than that, and out come the fireplaces that are fuelled by your cash. Mentally, you need to be in a place where the stock market might run off a cliff screaming into the wind tomorrow morning, and you'll still continue investing as per your plan because you're thinking about the long term. This ensures that your emotions, influenced by the ups and downs of the stock market, don't get in your own way. Ideally, you want to invest and immediately get yourself into a coma. Trust me, no one will notice that you're gone. You're one person in a world with seven billion people. You're really insignificant in the larger scheme of the Illuminati.
 
Don't watch CNBC
All your life, you've only made socially acceptable choices, because you crave validation from the people around you. To your repitillian brain, approval from strangers feels better than an orgasm. But when it comes to investing, never seek validation of your choices, especially not from the pundits on CNBC. Televised business news focuses on the shortest of short terms, while you need to keep your eye on the longest of long terms. Yes, it is important to keep tabs on current events, but there are far better sources of information than the nightly news. I recommend reading Livemint and Reuters for news. Those two outfits did not pay me to endorse them, but if the PR people over there are reading this, give me a call. I accept cash, cheques and PayTM. Fuck it, I'll even take bitcoin.
 
Keep It Simple, Shithead
Here is a basic plan on how to use your money when you get paid every month. First off, take care of any loans by paying off the hungry bankers who will come demanding their pound of flesh. Pay off all credit cards, in full and on time. Now, estimate how much you're going need for your monthly bills - this includes everything from your electric bill to your tab at the local bar. Deduct that amount and invest the rest of your money. When it comes to investing, begin by putting in three months of your monthly expenses in a liquid mutual fund. This is your emergency cash stash. Next up, depending on your time horizon and risk appetite, select a combination of ~3-8 mutual funds. There are a few different types of mutual funds, here's a handy rule of thumb to navigate them:
High time horizon Low time horizon
Low risk appetite Large-cap equity funds Debt mutual funds
High risk appetite Mid/small/multi-cap equity funds Debt mutual funds
When you're done, set up SIPs so that you don't have to do the transfers manually each month. Every year, take some time off to review this process.
 
This basic plan will require tweaking, depending on the context of your life. But having that plan is very important, not just for your financial life but also for the rest of your life. In the back of your mind, you've always known that. But you never followed through on making a plan, and now your life is just a series of mistakes and regrets. Is that why you drink so much?
The lords of literature require that I write a conclusion to this piece. But this is not the end. This is the beginning of your investing journey. The basic guidelines mentioned here are intended to serve as the starting point for your own research. These guidelines are not rocket science, they are not supposed to be complicated. A person of average intelligence and awareness can reasonably expect to understand and follow them. The question is: are you a person of average intelligence and awareness? Assuming that enough of you read this, statistics require half of you to admit that you're dumb as a rock.
Always keep an eye out for the armada of twats that will try to convince you that investing is rocket science, simply so they can charge you high fees or lure you into unprofitable investments. Done poorly, you can expect a mid-life crisis magnified by a bonfire of your cash. Done properly, you can create the kind of wealth that can benefit you as well as your future generations. You've already disappointed your parents. Don't disappoint your children now.
 
 
Side note: If you're a housewife from the 70s or 80s who objects to your characterization in this article, please write a formal letter of complaint and shove it up your butt.
submitted by DexterMilburn to india [link] [comments]

World History Timeline of Events Leading up to Bitcoin - In the Making

A (live/editable) timeline of historical events directly or indirectly related to the creation of Bitcoin and Cryptocurrencies
*still workin' on this so check back later and more will be added, if you have any suggested dates/events feel free to lemme know...
This timeline includes dates pertaining to:
Ancient Bartering – first recorded in Egypt (resources, services...) – doesn’t scale
Tally sticks were used, making notches in bones or wood, as a form of money of account
9000-6000 BC Livestock considered the first form of currency
c3200 BC Clay tablets used in Uruk (Iraq) for accounting (believed to be the earliest form of writing)
3000 BC Grain is used as a currency, measured out in Shekels
3000 BC Banking developed in Mesopotamia
3000 BC? Punches used to stamp symbols on coins were a precursor to the printing press and modern coins
? BC Since ancient Persia and all the way up until the invention and expansion of the telegraph Homing Pigeons were used to carry messages
2000 BC Merchants in Assyria, India and Sumeria lent grain to farmers and traders as a precursor to banks
1700 BC In Babylon at the time of Hammurabi, in the 18th century BC, there are records of loans made by the priests of the temple.
1200 BC Shell money first used in China
1000-600 BC Crude metal coins first appear in China
640 BC Precious metal coins – Gold & Silver first used in ancient Lydia and coastal Greek cities featuring face to face heads of a bull and a lion – first official minted currency made from electrum, a mixture of gold and silver
600-500 BC Atbash Cipher
A substitution Cipher used by ancient Hebrew scholars mapping the alphabet in reverse, for example, in English an A would be a Z, B a Y etc.
400 BC Skytale used by Sparta
474 BC Hundreds of gold coins from this era were discovered in Rome in 2018
350 BC Greek hydraulic semaphore system, an optical communication system developed by Aeneas Tacticus.
c200 BC Polybius Square
??? Wealthy stored coins in temples, where priests also lent them out
??? Rome was the first to create banking institutions apart from temples
118 BC First banknote in the form of 1 foot sq pieces of white deerskin
100-1 AD Caesar Cipher
193 Aureus, a gold coin of ancient Rome, minted by Septimius Severus
324 Solidus, pure gold coin, minted under Constantine’s rule, lasted until the late 8th century
600s Paper currency first developed in Tang Dynasty China during the 7th century, although true paper money did not appear until the 11th century, during the Song Dynasty, 960–1279
c757–796 Silver pennies based on the Roman denarius became the staple coin of Mercia in Great Britain around the time of King Offa
806 First paper banknotes used in China but isn’t widely accepted in China until 960
1024 The first series of standard government notes were issued in 1024 with denominations like 1 guàn (貫, or 700 wén), 1 mín (緡, or 1000 wén), up to 10 guàn. In 1039 only banknotes of 5 guàn and 10 guàn were issued, and in 1068 a denomination of 1 guàn was introduced which became forty percent of all circulating Jiaozi banknotes.
1040 The first movable type printer was invented in China and made of porcelain
? Some of the earliest forms of long distance communication were drums used by Native Africans and smoke signals used by Native Americans and Chinese
1088 Movable type in Song Dynasty China
1120 By the 1120s the central government officially stepped in and produced their own state-issued paper money (using woodblock printing)
1150 The Knights Templar issued bank notes to pilgrims. Pilgrims deposited their valuables with a local Templar preceptory before embarking, received a document indicating the value of their deposit, then used that document upon arrival in the Holy Land to retrieve their funds in an amount of treasure of equal value.
1200s-1300s During the 13th century bankers from north Italy, collectively known as Lombards, gradually replace the Jews in their traditional role as money-lenders to the rich and powerful. – Florence, Venice and Genoa - The Bardi and Peruzzi Families dominated banking in 14th century Florence, establishing branches in many other parts of Europe
1200 By the time Marco Polo visited China they’d move from coins to paper money, who introduced the concept to Europe. An inscription warned, "All counterfeiters will be decapitated." Before the use of paper, the Chinese used coins that were circular, with a rectangular hole in the middle. Several coins could be strung together on a rope. Merchants in China, if they became rich enough, found that their strings of coins were too heavy to carry around easily. To solve this problem, coins were often left with a trustworthy person, and the merchant was given a slip of paper recording how much money they had with that person. Marco Polo's account of paper money during the Yuan Dynasty is the subject of a chapter of his book, The Travels of Marco Polo, titled "How the Great Kaan Causeth the Bark of Trees, Made Into Something Like Paper, to Pass for Money All Over his Country."
1252 Florin minted in Florence, becomes the hard currency of its day helping Florence thrive economically
1340 Double-entry bookkeeping - The clerk keeping the accounts for the Genoese firm of Massari painstakingly fills in the ledger for the year 1340.
1397 Medici Bank established
1450 Johannes Gutenberg builds the printing press – printed words no longer just for the rich
1455 Paper money disappears from China
1466 Polyalphabetic Cipher
1466 Rotating cipher disks – Vatican – greatest crypto invention in 1000 yrs – the first system to challenge frequency analysis
1466 First known mechanical cipher machine
1472 The oldest bank still in existence founded, Banca Monte dei Paschi di Siena, headquartered in Siena, Italy
1494 Double-entry bookkeeping system codified by Luca Pacioli
1535 Wampum, a form of currency used by Native Americans, a string of beads made from clamshells, is first document.
1553 Vigenere Cipher
1557 Phillip II of Spain managed to burden his kingdom with so much debt (as the result of several pointless wars) that he caused the world's first national bankruptcy — as well as the world's second, third and fourth, in rapid succession.
1577 Newspaper in Korea
1586 The Babington Plot
1590 Cabinet Noir was established in France. Its mission was to open, read and reseal letters, and great expertise was developed in the restoration of broken seals. In the knowledge that mail was being opened, correspondents began to develop systems to encrypt and decrypt their letters. The breaking of these codes gave birth to modern systematic scientific code breaking.
1600s Promissory banknotes began in London
1600s By the early 17th century banking begins also to exist in its modern sense - as a commercial service for customers rather than kings. – Late 17th century we see cheques slowly gains acceptance
The total of the money left on deposit by a bank's customers is a large sum, only a fraction of which is usually required for withdrawals. A proportion of the rest can be lent out at interest, bringing profit to the bank. When the customers later come to realize this hidden value of their unused funds, the bank's profit becomes the difference between the rates of interest paid to depositors and demanded from debtors.
The transformation from moneylenders into private banks is a gradual one during the 17th and 18th centuries. In England it is achieved by various families of goldsmiths who early in the period accept money on deposit purely for safe-keeping. Then they begin to lend some of it out. Finally, by the 18th century, they make banking their business in place of their original craft as goldsmiths.
1605 Newspaper in Straussburg
c1627 Great Cipher
1637 Wampum is declared as legal tender in the U.S. (where we got the slang word “clams” for money)
1656 Johan Palmstruch establishes the Stockholm Banco
1661 Paper Currency reappears in Europe, soon became common - The goldsmith-bankers of London began to give out the receipts as payable to the bearer of the document rather than the original depositor
1661 Palmstruch issues credit notes which can be exchanged, on presentation to his bank, for a stated number of silver coins
1666 Stockholms Banco, the predecessor to the Central Bank of Sweden issues the first paper money in Europe. Soon went bankrupt for printing too much money.
1667 He issues more notes than his bank can afford to redeem with silver and winds up in disgrace, facing a death penalty (commuted to imprisonment) for fraud.
1668 Bank of Sweden – today the 2nd oldest surviving bank
1694 First Central Bank established in the UK was the first bank to initiate the permanent issue of banknotes
Served as model for most modern central banks.
The modern banknote rests on the assumption that money is determined by a social and legal consensus. A gold coin's value is simply a reflection of the supply and demand mechanism of a society exchanging goods in a free market, as opposed to stemming from any intrinsic property of the metal. By the late 17th century, this new conceptual outlook helped to stimulate the issue of banknotes.
1700s Throughout the commercially energetic 18th century there are frequent further experiments with bank notes - deriving from a recognized need to expand the currency supply beyond the availability of precious metals.
1710 Physiocracy
1712 First commercial steam engine
1717 Master of the Royal Mint Sir Isaac Newton established a new mint ratio between silver and gold that had the effect of driving silver out of circulation (bimetalism) and putting Britain on a gold standard.
1735 Classical Economics – markets regulate themselves when free of intervention
1744 Mayer Amschel Rothschild, Founder of the Rothschild Banking Empire, is Born in Frankfurt, Germany
Mayer Amschel Rothschild extended his banking empire across Europe by carefully placing his five sons in key positions. They set up banks in Frankfurt, Vienna, London, Naples, and Paris. By the mid 1800’s they dominated the banking industry, lending to governments around the world and people such as the Vanderbilts, Carnegies, and Cecil Rhodes.
1745 There was a gradual move toward the issuance of fixed denomination notes in England standardized printed notes ranging from £20 to £1,000 were being printed.
1748 First recorded use of the word buck for a dollar, stemming from the Colonial period in America when buck skins were commonly traded
1757 Colonial Scrip Issued in US
1760s Mayer Amschel Rothschild establishes his banking business
1769 First steam powered car
1775-1938 US Diplomatic Codes & Ciphers by Ralph E Weber used – problems were security and distribution
1776 American Independence
1776 Adam Smith’s Invisible Hand theory helped bankers and money-lenders limit government interference in the banking sector
1781 The Bank of North America was a private bank first adopted created the US Nation's first de facto central bank. When shares in the bank were sold to the public, the Bank of North America became the country's first initial public offering. It lasted less than ten years.
1783 First steamboat
1791 Congress Creates the First US Bank – A Private Company, Partly Owned by Foreigners – to Handle the Financial Needs of the New Central Government. First Bank of the United States, a National bank, chartered for a term of twenty years, it was not renewed in 1811.
Previously, the 13 states had their own banks, currencies and financial institutions, which had an average lifespan of about 5 years.
1792 First optical telegraph invented where towers with telescopes were dispersed across France 12-25 km apart, relaying signals according to positions of arms extended from the top of the towers.
1795 Thomas Jefferson invents the Jefferson Disk Cipher or Wheel Cipher
1797 to 1821 Restriction Period by England of trading banknotes for silver during Napoleonic Wars
1797 Currency Crisis
Although the Bank was originally a private institution, by the end of the 18th century it was increasingly being regarded as a public authority with civic responsibility toward the upkeep of a healthy financial system.
1799 First paper machine
1800 Banque de France – France’s central bank opens to try to improve financing of the war
1800 Invention of the battery
1801 Rotchschild Dynasty begins in Frankfurt, Holy Roman Empire – established international banking family through his 5 sons who established themselves in London, Paris, Frankfurt, Vienna, and Naples
1804 Steam locomotive
1807 Internal combustion engine and automobile
1807 Robert Fulton expands water transportation and trade with the workable steamboat.
1809 Telegraphy
1811 First powered printing press, also first to use a cylinder
1816 The Privately Owned Second Bank of the US was Chartered – It Served as the Main Depository for Government Revenue, Making it a Highly Profitable Bank – charter not renewed in 1836
1816 The first working telegraph was built using static electricity
1816 Gold becomes the official standard of value in England
1820 Industrial Revolution
c1820 Neoclassical Economics
1821 British gov introduces the gold standard - With governments issuing the bank notes, the inherent danger is no longer bankruptcy but inflation.
1822 Charles Babbage, considered the "father of the computer", begins building the first programmable mechanical computer.
1832 Andrew Jackson Campaigns Against the 2nd Bank of the US and Vetoes Bank Charter Renewal
Andrew Jackson was skeptical of the central banking system and believed it gave too few men too much power and caused inflation. He was also a proponent of gold and silver and an outspoken opponent of the 2nd National Bank. The Charter expired in 1836.
1833 President Jackson Issues Executive Order to Stop Depositing Government Funds Into Bank of US
By September 1833, government funds were being deposited into state chartered banks.
1833-1837 Manufactured “boom” created by central bankers – money supply Increases 84%, Spurred by the 2nd Bank of the US
The total money supply rose from $150 million to $267 million
1835 Jackson Escapes Assassination. Assassin misfired twice.
1837-1862 The “Free Banking Era” there was no formal central bank in the US, and banks issued their own notes again
1838 First Telegram sent using Morse Code across 3 km, in 1844 he sent a message across 71 km from Washington DC to Baltimore.
1843 Ada Lovelace published the first algorithm for computing
1844 Modern central bank of England established - meaning only the central bank of England could issue banknotes – prior to that commercial banks could issue their own and were the primary form of currency throughout England
the Bank of England was restricted to issue new banknotes only if they were 100% backed by gold or up to £14 million in government debt.
1848 Communist Manifesto
1850 The first undersea telegraphic communications cable connected France in England after latex produced from the sap of the Palaquium gutta tree in 1845 was proposed as insulation for the underwater cables.
1852 Many countries in Europe build telegram networks, however post remained the primary means of communication to distant countries.
1855 In England fully printed notes that did not require the name of the payee and the cashier's signature first appeared
1855 The printing telegraph made it possible for a machine with 26 alphabetic keys to print the messages automatically and was soon adopted worldwide.
1856 Belgian engineer Charles Bourseul proposed telephony
1856 The Atlantic Telegraph company was formed in London to stretch a commercial telegraph cable across the Atlantic Ocean, completed in 1866.
1860 The Pony Express was founded, able to deliver mail of wealthy individuals or government officials from coast to coast in 10 days.
1861 The East coast was connected to the West when Western Union completed the transcontinental telegraph line, putting an end to unprofitable The Pony Express.
1862-1863 First US banknotes - Lincoln Over Rules Debt-Based Money and Issues Greenbacks to Fund Civil War
Bankers would only lend the government money under certain conditions and at high interest rates, so Lincoln issued his own currency – “greenbacks” – through the US Treasury, and made them legal tender. His soldiers went on to win the war, followed by great economic expansion.
1863 to 1932 “National Banking Era” Commercial banks in the United States had legally issued banknotes before there was a national currency; however, these became subject to government authorization from 1863 to 1932
1864 Friedrich Wilhelm Raiffeisen founded the first rural credit union in Heddesdorf (now part of Neuwied) in Germany. By the time of Raiffeisen's death in 1888, credit unions had spread to Italy, France, the Netherlands, England, Austria, and other nations
1870 Long-distance telegraph lines connected Britain and India.
c1871 Marginalism - The doctrines of marginalism and the Marginal Revolution are often interpreted as a response to the rise of the worker's movement, Marxian economics and the earlier (Ricardian) socialist theories of the exploitation of labour.
1871 Carl Menger’s Principles of Economics – Austrian School
1872 Marx’s Das Capital
1872 Australia becomes the first nation to be connected to the rest of the world via submarine telegraph cables.
1876 Alexander Graham Bell patented the telephone, first called the electric speech machine – revolutionized communication
1877 Thomas Edison – Phonograph
1878 Western Union, the leading telegraph provider of the U.S., begins to lose out to the telephone technology of the National Bell Telephone Company.
1881 President James Garfield, Staunch Proponent of “Honest Money” Backed by Gold and Silver, was Assassinated
Garfield opposed fiat currency (money that was not backed by any physical object). He had the second shortest Presidency in history.
1882 First description of the one-time pad
1886 First gas powered car
1888 Ballpoint pen
1892 Cinematograph
1895 System of wireless communication using radio waves
1896 First successful intercontinental telegram
1898 Polyethylene
1899 Nickel-cadmium battery
1907 Banking Panic of 1907
The New York Stock Exchange dropped dramatically as everyone tried to get their money out of the banks at the same time across the nation. This banking panic spurred debate for banking reform. JP Morgan and others gathered to create an image of concern and stability in the face of the panic, which eventually led to the formation of the Federal Reserve. The founders of the Federal Reserve pretended like the bankers were opposed to the idea of its formation in order to mislead the public into believing that the Federal Reserve would help to regulate bankers when in fact it really gave even more power to private bankers, but in a less transparent way.
1908 St Mary’s Bank – first credit union in US
1908 JP Morgan Associate and Rockefeller Relative Nelson Aldrich Heads New National Monetary Commission
Senate Republican leader, Nelson Aldrich, heads the new National Monetary Commission that was created to study the cause of the banking panic. Aldrich had close ties with J.P. Morgan and his daughter married John D. Rockefeller.
1910 Bankers Meet Secretly on Jekyll Island to Draft Federal Reserve Banking Legislation
Over the course of a week, some of the nation’s most powerful bankers met secretly off the coast of Georgia, drafting a proposal for a private Central Banking system.
1913 Federal Reserve Act Passed
Two days before Christmas, while many members of Congress were away on vacation, the Federal Reserve Act was passed, creating the Central banking system we have today, originally with gold backed Federal Reserve Notes. It was based on the Aldrich plan drafted on Jekyll Island and gave private bankers supreme authority over the economy. They are now able to create money out of nothing (and loan it out at interest), make decisions without government approval, and control the amount of money in circulation.
1913 Income tax established -16th Amendment Ratified
Taxes ensured that citizens would cover the payment of debt due to the Central Bank, the Federal Reserve, which was also created in 1913.The 16th Amendment stated: “The Congress shall have power to lay and collect taxes on incomes, from whatever source derived, without apportionment among the several States, and without regard to any census or enumeration.”
1914 November, Federal Reserve Banks Open
JP Morgan and Co. Profits from Financing both sides of War and Purchasing Weapons
J.P. Morgan and Co. made a deal with the Bank of England to give them a monopoly on underwriting war bonds for the UK and France. They also invested in the suppliers of war equipment to Britain and France.
1914 WWI
1917 Teletype cipher
1917 The one-time pad
1917 Zimmerman Telegram intercepted and decoded by Room 40, the cryptanalysis department of the British Military during WWI.
1918 GB returns to gold standard post-war but it didn’t work out
1919 First rotor machine, an electro-mechanical stream ciphering and decrypting machine.
1919 Founding of The Cipher Bureau, Poland’s intelligence and cryptography agency.
1919-1929 The Black Chamber, a forerunner of the NSA, was the first U.S. cryptanalytic organization. Worked with the telegraph company Western Union to illegally acquire foreign communications of foreign embassies and representatives. It was shut down in 1929 as funding was removed after it was deemed unethical to intercept private domestic radio signals.
1920s Department stores, hotel chains and service staions begin offering customers charge cards
1921-1929 The “Roaring 20’s” – The Federal Reserve Floods the Economy with Cash and Credit
From 1921 to 1929 the Federal Reserve increased the money supply by $28 billion, almost a 62% increase over an eight-year period.[3] This artificially created another “boom”.
1927 Quartz clock
1928 First experimental Television broadcast in the US.
1929 Federal Reserve Contracts the Money Supply
In 1929, the Federal Reserve began to pull money out of circulation as loans were paid back. They created a “bust” which was inevitable after issuing so much credit in the years before. The Federal Reserve’s actions triggered the banking crisis, which led to the Great Depression.
1929 October 24, “Black Thursday”, Stock Market Crash
The most devastating stock market crash in history. Billions of dollars in value were consolidated into the private banker’s hands at the expense of everyone else.
1930s The Great Depression marked the end of the gold standard
1931 German Enigma machines attained and reconstructed.
1932 Turbo jet engine patented
1933 SEC founded - passed the Glass–Steagall Act, which separated investment banking and commercial banking. This was to avoid more risky investment banking activities from ever again causing commercial bank failures.
1933 FM Radio
1933 Germany begins Telex, a network of teleprinters sending and receiving text based messages. Post WWII Telex networks began to spread around the world.
1936 Austrian engineer Paul Eisler invented Printed circuit board
1936 Beginning of the Keynesian Revolution
1937 Typex, British encryption machines which were upgraded versions of Enigma machines.
1906 Teletypewriters
1927 Founding of highly secret and unofficial Signal Intelligence Service, SIS, the U.S. Army’s codebreaking division.
1937 Made illegal for Americans to own gold
1938 Z1 built by Konrad Zuse is the first freely programmable computer in the world.
1939 WWII – decline of the gold standard which greatly restricted policy making
1939-45 Codetalkers - The Navajo code is the only spoken military code never to have been deciphered - "Were it not for the Navajos, the Marines would never have taken Iwo Jima."—Howard Connor
1940 Modems
1942 Deciphering Japanese coded messages leads to a turning point victory for the U.S. in WWII.
1943 At Bletchley Park, Alan Turing and team build a specialized cipher-breaking machine called Heath Robinson.
1943 Colossus computer built in London to crack the German Lorenz cipher.
1944 Bretton Woods – convenient after the US had most of the gold
1945 Manhattan Project – Atom Bomb
1945 Transatlantic telephone cable
1945 Claude E. Shannon published "A mathematical theory of cryptography", commonly accepted as the starting point for development of modern cryptography.
C1946 Crypto Wars begin and last to this day
1946 Charg-it card created by John C Biggins
1948 Atomic clock
1948 Claude Shannon writes a paper that establishes the mathematical basis of information theory
1949 Info theorist Claude Shannon asks “What does an ideal cipher look like?” – one time pad – what if the keys are not truly random
1950 First credit card released by the Diners Club, able to be used in 20 restaurants in NYC
1951 NSA, National Security Agency founded and creates the KL-7, an off-line rotor encryption machine
1952 First thermonuclear weapon
1953 First videotape recorder
1953 Term “Hash” first used meaning to “chop” or “make a mess” out of something
1954 Atomic Energy Act (no mention of crypto)
1957 The NSA begins producing ROMOLUS encryption machines, soon to be used by NATO
1957 First PC – IBM
1957 First Satellite – Sputnik 1
1958 Western Union begins building a nationwide Telex network in the U.S.
1960s Machine readable codes were added to the bottom of cheques in MICR format, which speeded up the clearing and sorting process
1960s Financial organizations were beginning to require strong commercial encryption on the rapidly growing field of wired money transfer.
1961 Electronic clock
1963 June 4, Kennedy Issued an Executive Order (11110) that Authorized the US Treasury to Issue Silver Certificates, Threatening the Federal Reserve’s Monopoly on Money
This government issued currency would bypass the governments need to borrow from bankers at interest.
1963 Electronic calculator
1963 Nov. 22, Kennedy Assassinated
1963 Johnson Reverses Kennedy’s Banking Rule and Restores Power to the Federal Reserve
1964 8-Track
1964 LAN, Local Area Networks adapters
1965 Moore’s Law by CEO of Intel Gordon Moore observes that the number of components per integrated circuit doubles every year, and projected this rate of growth would continue for at least another decade. In 1975 he revised it to every two years.
1967 First ATM installed at Barclay’s Bank in London
1968 Cassette Player introduced
1969 First connections of ARPANET, predecessor of the internet, are made. started – SF, SB, UCLA, Utah (now Darpa) – made to stay ahead of the Soviets – there were other networks being built around the world but it was very hard to connect them – CERN in Europe
1970s Stagflation – unemployment + inflation, which Keynesian theory could not explain
1970s Business/commercial applications for Crypto emerge – prior to this time it was militarily used – ATMs 1st got people thinking about commercial applications of cryptography – data being sent over telephone lines
1970s The public developments of the 1970s broke the near monopoly on high quality cryptography held by government organizations.
Use of checks increased in 70s – bringing about ACH
One way functions...
A few companies began selling access to private networks – but weren’t allowed to connect to the internet – business and universities using Arpanet had no commercial traffic – internet was used for research, not for commerce or advertising
1970 Railroads threatened by the growing popularity of air travel. Penn Central Railroad declares bankruptcy resulting in a $3.2 billion bailout
1970 Conjugate coding used in an attempt to design “money physically impossible to counterfeit”
1971 The US officially removes the gold standard
1971 Email invented
1971 Email
1971 First microcomputer on a chip
1971 Lockheed Bailout - $1.4 billion – Lockheed was a major government defense contractor
1972 First programmable word processor
1972 First video game console
1973 SWIFT established
1973 Ethernet invented, standardized in ‘83
1973 Mobile phone
1973 First commercial GUI – Xerox Alto
1973 First touchscreen
1973 Emails made up more than ¾ of ARPANET’s packets – people had to keep a map of the network by their desk – so DNS was created
1974 A protocol for packet network intercommunication – TCP/IP – Cerf and Kahn
1974 Franklin National Bank Bailout - $1.5 billion (valued at that time) - At the time, it was the largest bank failure in US history
1975 New York City Bailout - $9.4 billion – NYC was overextended
1975 W DES - meant that commercial uses of high quality encryption would become common, and serious problems of export control began to arise.
1975 DES, Data Encryption Standard developed at IBM, seeking to develop secure electronic communications for banks and large financial organizations. DES was the first publicly accessible cipher to be 'blessed' by a national agency such as the NSA. Its release stimulated an explosion of public and academic interest in cryptography.
1975 Digital camera
1975 Altair 8800 sparks the microprocessor revolution
1976 Bretton Woods ratified (lasted 30 years) – by 80’s all nations were using floating currencies
1976 New Directions in Cryptography published by Diffie & Hellman – this terrified Fort Meade – previously this technique was classified, now it’s public
1976 Apple I Computer – Steve Wozniak
1976 Asymmetric key cryptosystem published by Whitfield Diffie and Martin Hellman.
1976 Hellman and Diffie publish New Directions in Cryptography, introducing a radically new method of distributing cryptographic keys, contributing much to solving key distribution one of the fundamental problems of cryptography. It brought about the almost immediate public development of asymmetric key algorithms. - where people can have 2 sets of keys, public and private
1977 Diffie & Hellman receive letter from NSA employee JA Meyer that they’re violating Federal Laws comparable to arms export – this raises the question, “Can the gov prevent academics from publishing on crypto?
1977 DES considered insecure
1977 First handheld electronic game
1977 RSA public key encryption invented
1978 McEliece Cryptosystem invented, first asymmetric encryption algorithm to use randomization in the encryption process
1980s Large data centers began being built to store files and give users a better faster experience – companies rented space from them - Data centers would not only store data but scour it to show people what they might want to see and in some cases, sell data
1980s Reaganomics and Thatcherism
1980 A decade of intense bank failures begins; the FDIC reports that 1,600 were either closed or received financial assistance from 1980 to 1994
1980 Chrysler Bailout – lost over $1 billion due to major hubris on the part of its executives - $1.5 billion one of the largest payouts ever made to a single corporation.
1980 Protocols for public key cryptosystems – Ralph Merkle
1980 Flash memory invented – public in ‘84
1981 “Untraceable Electronic Mail, Return Addresses and Digital Pseudonumns” – Chaum
1981 EFTPOS, Electronic funds transfer at point of sale is created
1981 IBM Personal Computer
1982 “The Ethics of Liberty” Murray Rothbard
1982 Commodore 64
1982 CD
1983 Satellite TV
1983 First built in hard drive
1983 C++
1983 Stereolithography
1983 Blind signatures for untraceable payments
Mid 1980s Use of ATMs becomes more widespread
1984 Continental Illinois National Bank and Trust bailed out due to overly aggressive lending styles and - the bank’s downfall could be directly traced to risk taking and a lack of due diligence on the part of bank officers - $9.5 billion in 2008 money
1984 Macintosh Computer - the first mass-market personal computer that featured a graphical user interface, built-in screen and mouse
1984 CD Rom
1985 Zero-Knowledge Proofs first proposed
1985 300,000 simultaneous telephone conversations over single optical fiber
1985 Elliptic Curve Cryptography
1987 ARPANET had connected over 20k guarded computers by this time
1988 First private networks email servers connected to NSFNET
1988 The Crypto Anarchists Manifesto – Timothy C May
1988 ISDN, Integrated Services Digital Network
1989 Savings & Loan Bailout - After the widespread failure of savings and loan institutions, President George H. W. Bush signed and Congress enacted the Financial Institutions Reform Recovery and Enforcement Act - This was a taxpayer bailout of about $200 billion
1989 First commercial emails sent
1989 Digicash - Chaum
1989 Tim Berners-Lee and Robert Cailliau built the prototype system which became the World Wide Web, WWW
1989 First ISPs – companies with no network of their own which connected people to a local network and to the internet - To connect to a network your computer placed a phone call through a modem which translated analog signals to digital signals – dial-up was used to connect computers as phone lines already had an extensive network across the U.S. – but phone lines weren’t designed for high pitched sounds that could change fast to transmit large amounts of data
1990s Cryptowars really heat up...
1990s Some countries started to change their laws to allow "truncation"
1990s Encryption export controls became a matter of public concern with the introduction of the personal computer. Phil Zimmermann's PGP cryptosystem and its distribution on the Internet in 1991 was the first major 'individual level' challenge to controls on export of cryptography. The growth of electronic commerce in the 1990s created additional pressure for reduced restrictions.[3] Shortly afterward, Netscape's SSL technology was widely adopted as a method for protecting credit card transactions using public key cryptography.
1990 NSFNET replaced Arpanet as backbone of the internet with more than 500k users
Early 90s Dial up provided through AOL and Compuserve
People were leery to use credit cards on the internet
1991 How to time-stamp a digital doc - Stornetta
1991 Phil Zimmermann releases the public key encryption program Pretty Good Privacy (PGP) along with its source code, which quickly appears on the Internet. He distributed a freeware version of PGP when he felt threatened by legislation then under consideration by the US Government that would require backdoors to be included in all cryptographic products developed within the US. Expanded the market to include anyone wanting to use cryptography on a personal computer (before only military, governments, large corporations)
1991 WWW (Tim Berners Lee) – made public in ‘93 – flatten the “tree” structure of the internet using hypertext – reason for HTTP//:WWW – LATER HTTPS for more security
1992 Erwise – first Internet Browser w a graphical Interface
1992 Congress passed a law allowing for commercial traffic on NSFNET
1992 Cpherpunks, Eric Hughes, Tim C May and John Gilmore – online privacy and safety from gov – cypherpunks write code so it can be spread and not shut down (in my earlier chapter)
1993 Mosaic – popularized surfing the web ‘til Netscape Navigator in ’94 – whose code was later used in Firefox
1993 A Cypherpunks Manifesto – Eric Hughes
1994 World’s first online cyberbank, First Virtual, opened for business
1994 Bluetooth
1994 First DVD player
1994 Stanford Federal Credit Union becomes the first financial institution to offer online internet banking services to all of its members in October 1994
1994 Internet only used by a few
1994 Cybercash
1994 Secure Sockets Layer (SSL) encryption protocol released by Netscape. Making financial transactions possible.
1994 One of the first online purchases was made, a Pizza Hut pepperoni pizza with mushrooms and extra cheese
1994 Cyphernomicon published – social implication where gov can’t do anything about it
1994-1999 Social Networking – GeoCities (combining creators and users) – had 19M users by ’99 – 3rd most popular after AOL and Yahoo – GeoCities purchased by Yahoo for $3.6B but took a hit after dotcom bubble popped and never recovered – GC shut down in ‘99
1995-2000 Dotcom bubble – Google, Amazon, Facebook: get over 600M visitors/year
1995 DVD
1995 MP3 term coined for MP3 files, the earlier development of which stretches back into the ‘70s, where MP files themselves where developed throughout the ‘90s
1995 NSFNET shut down and handed everything over to the ISPs
1995 NSA publishes the SHA1 hash algorithm as part of its Digital Signature Standard.
1996, 2000 President Bill Clinton signing the Executive order 13026 transferring the commercial encryption from the Munition List to the Commerce Control List. This order permitted the United States Department of Commerce to implement rules that greatly simplified the export of proprietary and open source software containing cryptography, which they did in 2000 - The successful cracking of DES likely helped gather both political and technical support for more advanced encryption in the hands of ordinary citizens - NSA considers AES strong enough to protect information classified at the Top Secret level
1996 e-gold
1997 WAP, Wireless Access Point
1997 NSA researchers published how to mint e cash
1997 Adam Back – HashCash – used PoW – coins could only be used once
1997 Nick Szabo – smart contracts “Formalizing and Securing Relationships on Public Networks”
1998 OSS, Open-source software Initiative Founded
1998 Wei Dai – B-money – decentralized database to record txs
1998 Bitgold
1998 First backdoor created by hackers from Cult of the Dead Cow
1998 Musk and Thiel founded PayPal
1998 Nick Szabo says crypto can protect land titles even if thugs take it by force – said it could be done with a timestamped database
1999 Much of the Glass-Steagal Act repealed - this saw US retail banks embark on big rounds of mergers and acquisitions and also engage in investment banking activities.
1999 Milton Friedman says, “I think that the Internet is going to be one of the major forces for reducing the role of government. The one thing that's missing, but that will soon be developed, is a reliable e-cash - a method whereby on the Internet you can transfer funds from A to B without A knowing B or B knowing A.”
1999 European banks began offering mobile banking with the first smartphones
1999 The Financial Services Modernization Act Allows Banks to Grow Even Larger
Many economists and politicians have recognized that this legislation played a key part in the subprime mortgage crisis of 2007.
1999-2001 Napster, P2P file sharing – was one of the fastest growing businesses in history – bankrupt for paying musicians for copyright infringement

submitted by crypto_jedi_ninja to Bitcoin [link] [comments]

The Green Glass

There are two pertinent things about me which you must understand: I have a photographic memory, and I am a criminal. My memory means you can trust that my tale is accurate; my criminality does not indicate any deception or fabrication – it is much easier to omit rather than to lie. It is your prerogative to doubt me, for in the interest of my own anonymity I cannot provide any tangible proof of my encounter with the malevolent object (or whatever compels or creates this object) which I have named, for the sake of convenience, the Green Glass.
A photographic memory is certainly an interesting trait, but wasn’t for me a particularly useful one. This trait never got me a high-paying job, hell, it never even helped in getting me laid. I worked at a call center for a major department store taking inbound calls and processing orders for merchandise. As you could guess, I see hundreds of credit card numbers every week, complete with the expiration date, security code, and the full name of the cardholder. Sometimes I even came across social security numbers. If one were to engage in an unsavory crime involving customers’ credit card numbers, there are two ways that person would be caught. The first would be if they were spotted taking a photograph or writing down the number, and the second would be if they were stupid enough to use that number to buy something for themselves. I was more clever than that. I stored that information inside my memory and wrote it down later in the safety of my own home – even my memory has limits. Then I would wait a full year, letting the cardholder make purchases in all sorts of places so that when I sold the numbers on the dark web, there would be hundreds of suspects other than myself that investigators would look for when the cardholder reported fraudulent purchases.
It was a regular work day, and another act of future identity theft I was committing, when I first saw the Green Glass. Then, it had no such name; it was merely a centerpiece for a dining room table being sold on my company’s website. A very expensive, finely crafted centerpiece going for $3,099.99. Who spends that much money on a thing that has no other purpose but to sit on a table and impress dinner guests? This lady whom I was talking to who wanted to order it, who we’ll call “Kristin.” I’ve changed all the names here, of course, so as to not implicate myself in whatever began that day.
“Sixteen” said Kristin, “that’s the item number.” The item numbers on the company’s website are always 7 digits. I seriously doubted my customer knew what the hell she was talking about, but that’s nothing new. The site was never very user friendly, customers tended to mistake all kinds of things for the item number and then I had to find it for them. I was going to politely correct her, but by muscle memory I typed “16” into the search bar and pressed enter. And to my mild surprise, an item actually appeared. It was this centerpiece, which the site’s description told me was “crafted by the most highly skilled glass artisans in North America.” A ridiculously overpriced centerpiece. The only other thing worth noting, apart from the price, is that I saw in the image that the centerpiece had a very faint, very subtle shade of green despite the object also being described as “flawlessly clear.” But that was probably nothing more than bad lighting when the photograph was taken, and if Kristin didn’t mention it, there was no way I would and risk losing the sale.
My employer sold a few luxury items but for the most part, the department store chain catered to middle-class people, and the vast majority of callers were not the wealthy, but instead those looking for $50 items marked down to $10 on a fire sale. Still, I didn’t see anything out of the ordinary at the time, and I was honestly excited – exceed a sales quota and I would earn some bonus cash. This would bring me right over the benchmark. As I half-listened to Kristin’s boring blabbering about her dinner plans and gave her intermittent acknowledgment, I thought of what I might treat myself to with my extra earnings. I explained to her that the one-day shipping she chose actually meant two days but that she would undoubtedly receive it time, and then the call was finished.
Later that night, I was at a friend’s apartment drinking beer, smoking weed, and playing Rocket League. Many of my weeknights went this way. I could stay up until dawn killing time like this because I worked afternoons and evenings. When we took a break from the PS4, I felt inclined to whine to my buddy Eric about the shallowness of my customers. He bitched about his shitty job all the time, so naturally I returned the favor. “This woman bought like, a fucking piece of glass, like a fancy fucking piece of glass, for $3100. Just to sit on a table. For one night. I wanted to tell her she wouldn’t be able to return it so I wouldn’t have to deal with that, but I mean I didn’t want her to get insulted, obviously. I earn that much in 4 months. If I had that much money, I’d buy...” but the weed was kicking in and I forgot what I would have bought. “I wanna see it” Eric said. My other friend, Jason, nodded in agreement. I pulled up the company’s website on my phone and entered 16 into the search bar. But no results came up. I don’t remember anything incorrectly, but anyone can remember 16 regardless. I tried the name of it instead. Nothing. I stubbornly went to the fine china tab and chose the price range, and still I couldn’t bring up the damn thing. “The site is being shitty, never mind” I said. For all I knew, it was just that the site was being shitty. It didn’t matter then.
Kristin called back two weeks later, and that is when things started to get strange. “Hey, I remember you!” she said in a chipper voice. “Do you remember me?” “Yes ma’am, of course” I said. “Did your dinner party go well? Did you get compliments on the centerpiece?” Kristin spared no detail in answering me.
“Oh, everything was perfect. All my colleagues were envious! The reason I’m calling though… last week I was the victim of a home invasion.” I was going to give a courteous “Oh, I’m so sorry to hear that” sort of interjection. But Kristin kept talking. “I wasn’t home at the time. But my husband and Elizabeth, my 6 year old, they were both there. These thugs broke my husband’s jaw, he’s still in the hospital, Elizabeth is sleeping with the lights on. They took most of my jewelry, the cash. But that’s not what’s important.”
“Of course” I thought, but didn’t say. I kept listening. Kristin continued. “You think they stole the centerpiece, right? No, they just broke it. My wonderful centerpiece was in a million pieces on the floor. So heartbreaking. Obviously, I want another. I know you can’t do anything on your end and that’s fine, maybe my homeowners’ insurance will reimburse me, but I want to buy another today. The house looks so empty without it! Can you help me?”
Husband in the hospital, traumatized daughter, and she wants another one. I hated her in that moment. Even more shallow than I thought possible! I hesitated for a moment, but not long. I do my job, and I don’t lecture customers. Normally, I would express sympathy for her family. But she didn’t seem like she would care.
“Are you still there?” Kristin asked. “Yes ma’am. I just need a moment to pull it up.” 16. But the centerpiece still was missing. I searched in every possible way, distracted as Kristin continued to impatiently ask if I had located the item yet. I put her on hold and called my supervisor over. Since it was a valuable sale and she was a high roller as far as customers go, the matter warranted some extra effort. But 10 minutes later, we were at a dead end. My supervisor suggested that I put her on a waiting list so the first centerpiece back in stock is held for her. That usually placated the more persistent customers. Not this time. “Ma’am” I said “I am sorry to inform you that we are out of stock on this item nationwide, but I have added your name to our waiting list and you will receive a call immediately from myself or another associate as soon as we can ship this centerpiece to you again.”
“No!” Kristin protested. “I need it NOW! NOW! Don’t you get it? The house is worthless without it, I can’t stand to be in my own dining room knowing it’s gone! They broke it and I need another one! PLEASE.” I could hear her sob. This was unbelievable. “I’m so sorry” I apologized again, not sorry in the least for this woman. “I’d be happy to offer you a special discount coupon that would be valid for any other item in our fine china selection.” She screamed. Shrieked. Directly into my headset. I tore it off my head and slammed it down on the desk, and I could still hear her frantic pleas. “I WANT IT BACK!! I WANT IT BACK!! HELP ME!! WHAT WILL PEOPLE SAY?!” After that, I couldn’t take it anymore. I hung up. That wasn’t allowed at my workplace, but I didn’t care.
After my shift came another night drinking and smoking with Eric and Jason, who laughed as I told them about this, as they weren’t the ones who had the weaponized sound of this awful woman’s voice assaulting their ears. Both of them speculated on what could have been going on. Eric offered that it was “probably PMS” while Jason mused on his ex-girlfriend with borderline personality disorder. No theories on Kristin’s mental state satisfied me, this was just too much. But with no other choice, I stored this incident in the back of my mind and moved on with my life. Up to this point, I was sure there was a rational, albeit terrible explanation for all this, and I didn’t think the centerpiece itself had anything to do with it. Three weeks later, this belief of mine was challenged.
Back at work, I received a transfer call from an employee in another state who sold furniture. “We’re having some sort of problem with our computers. I have a customer looking to buy a mirror, could you take this, please?” she asked. I accepted the transfer and introduced myself to the customer. “Well howdy” a man with a Texas accent greeted me. “I found a great bargain on a mirror. My family and I just moved into a new house, it’s still pretty bare bones, but I think this mirror would really add some character.” I was too exasperated with work to extol the quality of my company’s items. I apathetically asked for the item number. “That would be 19, my friend” the man answered. In that moment, I did feel uneasy. This was the second time I was given a number that shouldn’t correspond to anything on the website, and the second time it yielded a result nevertheless. It was a mirror, nothing special by my reckoning. When I examined it more closely, I felt a bit more worried. I could see the faint, green hue again on glass that shouldn’t be green.
Like most customers, this man – Greg, talked on while I filled out his order and took a mental snapshot of his credit card information. “It’s kind of new age, or modern, or whatever they call it – I’m a man, I don’t know the terminology” Greg said, laughing to himself. I wasn’t sure what he meant. Then Greg said “I mean, it’s so green, I’ve never seen a green mirror before. But my wife is into that kind of stuff. It’s a birthday present for her, a way of giving her something nice and showing her that I have good taste, you hear?” “It’s a very good choice” I said, not wanting to say anything more.
Some time passed, and one night off from work with not much interesting to do, I felt compelled to pull up the mirror on the company website and take another look. Like before, the merchandise was missing. Then I googled Kristin’s full name, and found her on a local news site for Sacremento. I read the article, and what I read made me seriously consider quitting my job for the first time. “Authorities have ruled that the death of a local business owner and her six-year-old daughter was the result of a murder-suicide.” I read on. “Last July, the Sacremento Police Department were on the scene in response to a strong-arm home invasion. One of the deputies there told reporters that Kristin Ross exhibited strange behavior at the time, apparently ignoring her injured husband and daughter while complaining about some of her valuables being destroyed by the home invaders. ‘She said “They ruined it, they ruined it and I don’t know what to do”, and she refused to answer my questions because she was gathering these pieces of broken glass. She asked me if I had superglue. I thought she was just a bit shaken by what happened, and now I’m very upset to think I might have missed some warning signs of paranoid schizophrenia, or some other condition.’ Matthew Ross, Kristin’s husband, passed away in August from a hospital-acquired infection while undergoing treatment for his injuries. Investigators have speculated that this loss may have caused Kristin’s mental state to deteriorate. Elizabeth Ross’ death was ruled the result of drowning by the county coroner. Kristin allegedly took her own life after drowning her daughter in the bathtub.”
The thought crossed my mind to call Greg. The 10 digits of his phone number were not something I had forgotten. But I didn’t call him. What would I even say? I didn’t even have any idea what was going on. But as it turned out, Greg found me a week later, on national news. An anchorman read from his teleprompter as images of a scorched house and a picture of a middle-aged man were displayed on screen. “Law enforcement officials and first responders in Dallas arrived at a house ablaze after receiving a chilling 911 call. Gregory Farnsworth called 911 on Thursday, stating his intention to commit suicide. We now know that Mr. Farnsworth was under investigation for insider trading, a factor which may have contributed to his tragic decision to end the life of himself and another person. Although police were immediately dispatched to the address the call was placed from, they found the home of Mr. Farnsworth on fire, apparently set deliberately. The bodies of Mr. Farnsworth and a currently unidentified woman were recovered from the scene. The audio and transcript of the 911 call has been withheld.”
I burned my credit card numbers in the sink that night, every last one. As far as I could tell, this thing, this Green Glass, might be something that punishes greed. Although there were many numbers I couldn’t forget, I swore to myself that I would never sell another one again. I locked myself out of my Bitcoin account by randomly generating a new password and copypasting it in to change it. Then I put in my two weeks notice at my call center job. Every day until my last day there, I dreaded every incoming call, expecting a customer to order another glass object that would now be listed under the number “21” - probably the number of victims claimed so far. That didn’t happen. I gratefully took a new job as a pizza delivery driver soon after, and I tried to forget about the Green Glass despite all of my unanswered questions. Why did Kristin kill her daughter? Why did Greg apparently see the glass as a vibrant green when I only saw a pale, barely discernible hue? Does it punish greed, or does it just want to kill as many as it can? I was most haunted by the most obvious question: Why me? Why did it appear for me to sell both times? I regret to inform you I have no answers to this day, and all I can give you now is the story of my last – hopefully, please God last encounter with this fucking thing.
It was a year and change after I found out what happened to Kristin and Greg. I had gotten in Eric’s car on a Saturday night, with Jason there too. Our group, still getting drunk, still getting high, just trying to find some joy in our disappointing lives. We planned to blaze up in a nearby park and then hit a bar or two. We stopped first at a headshop so Jason could buy a new pipe. So we perused the display case, and one pipe caught Jason’s eye. “Check it, guys. That looks gangsta as fuck, look at how bright that green is!” My chest tightened and my heart raced, but I was in for one more surprise: It didn’t look green at all to me; it didn’t even have the slightest hint of green. It was nothing more than transparent glass. “I’ll take it!” Jason declared. The guy behind the desk said “Fifteen dollars.” Maybe I was wrong. Before, I saw the green, and the item was always expensive. But then Jason paid and had it in his hands, and as he showed it to Eric and I, I saw the number 44 on the side of the bowl. I was done.
“I feel sick” I lied. “We’re still close to my place, so I’m just going to walk back. You guys have fun.” Neither of them seemed to believe me. I never told them. I still couldn’t bring myself to warn them. It’s not that I didn’t care, it’s just that I didn’t want to be a part of this. “We’ll drive you back” Eric offered, but I declined. Jason looked me over skeptically and asked “What’s your deal, man? You’re not sick. Come on, don’t be a pussy.” All I said back to him was “I don’t really give a fuck what you think” and I stormed out the door.
Eric called me later that night. Jason was dead. He got into a bar fight. According to Eric, Jason was very high and very drunk, and ended up starting a fight with a stranger over some petty insult. A fistfight broke out, and the man pulled a gun and shot Jason point blank in the chest. I didn’t talk to Eric after that night, I didn’t go to Jason’s funeral. I packed my shit and took a Greyhound to the other side of the country. Again, in vain, I’ve tried to forget about all this. The reason I’m telling my story now is because I think I finally understand what the Green Glass does. That 911 call from Greg was finally released. He was saying: “I’m gonna end it all now, you sons of bitches think I’m a criminal and I won’t ever change your minds. Miranda didn’t even like my mirror, that bitch. I’m lighting it all up now.”
Miranda was the unidentified woman who died in the fire, who I believe was probably Greg’s “other woman.” I think Kristin lied about the home invasion. I think her daughter Elizabeth accidentally broke that centerpiece, and her husband tried to stop Kristin from hurting her. Jason always felt threatened, had problems with self-confidence. Always liked to show off. I don’t think the Green Glass punishes greed. I believe the Green Glass hurts those who worry too much what others think about them. It changes them, talks to them, makes them believe that it is the best thing about them. And anyone who doesn’t appreciate the owner of the Green Glass dies for it in the end, too. That would explain why I no longer saw the color when Jason bought the pipe, because I just wanted out and didn’t care what he thought about me for leaving. That’s my theory, and you can take it or leave it. I don’t give a shit what you think about me, and that might be my only defense.
submitted by xyanon36 to nosleep [link] [comments]

[Friday, 12. October]

World News

Turkey has audio and video evidence showing that Saudi agents tortured & killed journalist Jamal Khashoggi inside the Saudi Consulate in Turkey
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Richard Branson halts $1B project with Saudi Arabia over Khashoggi disappearance
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In major shift, the U.S. says it won’t ban Canadian pot workers
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All news, US and international.

Uber CEO pulls out of Saudi conference after journalist's disappearance
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A bitcoin miner has been sent to prison for stealing electricity from trains
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Facebook has lost 30% of its value since July
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Science

Cancer is so expensive to treat that 42% of patients deplete their entire life's assets to afford treatment within the first 2 years, according to a new study. Patients faced higher likelihood of asset depletion with worsening cancer, continuing treatment, and increasing age.
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A new study finds that bacteria develop antibiotic resistance up to 100,000 times faster when exposed to the world's most widely used herbicides, Roundup (glyphosate) and Kamba (dicamba) and antibiotics compared to without the herbicide.
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In a study of identical twins, the child who experienced harsher behavior and less parental warmth was more aggressive, and exhibited more callous-unemotional traits.
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Technology

Former Reddit product head Dan McComas: 'I Fundamentally Believe That My Time at Reddit Made the World a Worse Place'
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45 Out of 50 Electronics Companies Illegally Void Warranties After Independent Repair, Sting Operation Finds - New research showed that 90 percent of contacted companies told customers that repairing their own device would void the warranty; that's illegal under federal law.
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Pro-privacy search engine DuckDuckGo hits 30M daily searches, up 50% in a year
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Sadly, this is not the Onion.

North Jersey Man Has Eaten Pizza Every Day For 40 Years
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The Joaquin Phoenix Joker movie is so grim, extras were reportedly forced to pee on subway tracks
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Woman Nabs Coveted Job Of Russian Town’s Cat Chief
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Ask Reddit...

What is a great YouTube channel to binge watch?
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Deaf people of Reddit. What are some things you thought were silent, but later found out they weren’t?
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Couples of reddit, what sex toy/equipment drastically improved your sex life and was worth the buy?
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Sysadmin

The more you get paid, the less likely turning something off and on again will resolve the issue.
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Boss wants us to do maintenance to our workstations afterhours
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So, I guess I'm a sysadmin now?
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Microsoft SQL Server

SQL beginner help
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Is it okay to Defrag a Primary Key index?
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SSMS 17.9 just going so slow -- suggestions?
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PowerShell

What kind of free online tool would be helpful to you?
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Send-Balloon: A function to send a balloon notification to another computer
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Verb for function containing a Pester test
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Functional 3D Printing

Made a bigger dimmer slider for my light switch and printed a missing screw
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Designed and printed a ventilation system for my enclosure.
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3D printed Angles for a shelf
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Data Is Beautiful

Animating the Mercator projection to the true size of each country in relation to all the others. [OC]
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[OC] US Electric Vehicle Market Share Crosses 3% For The First Time
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2 Years since we started talking [OC]
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Today I Learned (TIL)

TIL Only 10 Scouts earned the Invention merit badge, which required obtaining a patent for an invention. It was discontinued in 1915, and is the most rare badge.
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TIL Ludger Sylbaris, a man thrown into solitary confinement after a bar brawl, survived one of the biggest volcanic eruption of the 20th century because his cell was bombproof and poorly ventilated. He became one of only three known survivors of the event, and his prison cell still stands today.
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TIL that there is a very rare and special type of gemstone that can only be found and formed in fossils of extinct species of cephalopods over the process of hundreds of millions of years. The most expensive opal in the world is one of these being an opalized fossil valued at over $1,000,000.
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So many books, so little time

Incarcerated Pennsylvanians now have to pay $150 to read. We should all be outraged.
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Hunter S. Thompson's Fear and Loathing in Las Vegas was hugely inspired by F. Scott Fitzgerald's Great Gatsby
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For those of you looking to become more well-rounded readers, edX is currently offering a free course on Masterpieces of World Literature
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OldSchoolCool: History's cool kids, looking fantastic

My grandfather at an army base (early 1950s) in his own triple exposure self-portrait
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David Bowie on The Tonight Show, 1993
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Jane Goodall c. 1960s
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aviation

Here's an A319 next to a B777
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Feeding the Bear
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Never before used center pedestal of an A321NEO
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Reddit Pics

Proud moment for me: My movie comes out in theaters today. I spent every day since I was 12 waiting for today. Thank you Alamo Drafthouse Cinemas for taking a chance on me.
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Best picture I've ever taken of my doggo
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Australian Mum uses body to shield Baby during hailstorm
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.gifs - funny, animated gifs for your viewing pleasure

Boston Dynamics robot doing parkour
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Barbeque down by the river
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Concealed carry.
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A subreddit for cute and cuddly pictures

I don't think I'll need a paternity test
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Meet Bridget, she is 13 and adorable.
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Here he comes
Link | Comments
submitted by DangerDylan to DangerDylanTLDR [link] [comments]

most expensive $12.5 million bitcoin pizza The Bitcoin Price Will Hit $10,000 by May 2020 According ... THIS IS THE BIGGEST BUBBLE I HAVE EVER SEEN IN THE STOCK MARKET SHOP WITH ME //ALDI HAUL $146 FOR FAMILY OF 3 A Brief History of Bitcoin in 5 Minutes

On this day, May 22nd, the famous Bitcoin Pizza Day is celebrated, commemorating the purchase of two pizzas for 10 thousand Bitcoin (BTC).. It is the tenth anniversary of this historic event for the blockchain world. It was the distant 22nd May 2010 when Laszlo Hanyecz ordered 2 pizzas from Domino’s, located in Jacksonville, Florida (to commemorate the event there is a plaque in the pizza ... In the early days of cryptocurrency, one man decided to trade his bitcoin for pizza. It was a historic event, but not such a great investment. "60 Minutes" reports, Sunday at 7 p.m. ET/PT Wednesday marked the nine-year anniversary of the first Bitcoin transaction. Back in 2010, Laszlo Hanyecz, aka ‘Bitcoin Pizza Guy’, bought two Papa John’s pizzas (worth $30) for 10,000 BTC. Bitcoin is the first blockchain-based cryptocurrency in the world. It is considered the most widespread and successful. Launched in 2009, the price of one bitcoin remained a few dollars for its ... The most expensive publicly traded stock of all time is Warren Buffett’s Berkshire Hathaway (BRK.A), which is trading at $312,619 per share, as of Feb. 27, 2020). Berkshire hit an all-time high ...

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most expensive $12.5 million bitcoin pizza

First bitcoin transaction. Join facebook page: https://www.facebook.com /mostexpensiveintheworld SUBSCRIBE: https://www.youtube.com/user/themostexpensive22 m... 1. May 2010 In 2010, Laszlo Hanyecz agreed to pay 10,000 bitcoins for two pizzas. It was the most expensive pizza in history. 2. Jul 2010 Mt. Gox,was responsible for more than 70% of bitcoin ... OUR MOST EXPENSIVE COSTCO HAUL EVER! GROCERY SHOPPING WHILE UNDER THE INFLUENCE OF HUNGER - Duration: 11:32. This Is How We Bingham Recommended for you --~-- Right now we are in the biggest bubble i have ever seen in the stock market in 1 sector. I have seen a few bubbles before. The 3d printing stocks were a big bubble. There was a huge bubble ... Skip navigation Sign in. Search

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