Money Matters
Seedrs have increased their minimum fee for investors by 10x (1000%)
On 26/3/2024, Seedrs raised their minimum fee for investors to £/€5 from £/€0.50. That's an unbelievable TEN TIMES increase.
If you're wealthy and already invest vast sums into the platform then this won't affect you, but if you were someone who invested small amounts then this immediately prices you out of the market.
A working example?
Let's use the Truffle Guys example that is currently raising:
The minimum investment is £21. A 2.5% fee for this works out at £0.53 (rounded up). This is a reasonable fee and what you would be expected to pay prior to 26/3/2024. However, the minimum fee ups this to £5, or 24%! I can find no explanation as to why Seedrs found this to be necessary, they just did. I can only assume that this means they are no interested in small investors.
So if you were once topping-up your investment in Seedrs here and there with small amounts, you definitely won't be doing that any more.
Wise
Below is a comparison between my bank and Wise when wishing to send £1,000 to the E.U. all made at the same time.
As you can see the quote from Wise is significantly better by almost €40. My bank doesn't even charge a fee for payments in Euros so it shows just how bad the exchange rate they use is.
Special Offer
If you sign up using my referral link then Wise will even waive their fee on the first £500 (or equivalent¹) you transfer², saving you even more money. You must use the referral link or you'll miss out, like I did. Oops.
¹ For example: if 100 units of currency A is equivalent to £50 then the fee will be waived for A1,000. If 100 units of currency B is equivalent to £200 then the fee will be waived for B250.
² Same-currency transfers excluded.
Correct at time of writing. Always do your own due diligence. Caveat emptor. Last updated 3/10/2022.
References
Honeygain
With Honeygain, you can make money by simply sharing your Internet. Start earning now.
Credible companies use this data for web statistics, price comparison, and other verified business processes
The app does NOT collect your data. The data sent to be processed is from the client company and remains completely separate from your data.
Basic function
The basic function of the app and its network is fairly low bandwith, and pays 1 credit or US$0.0001 for every 10 MB of data you share. So for every 10 GB of data transferred you will receive US$1. This function is enabled as standard on all compatible devices once installed.
Content Delivery
For eligible devices there is also Content Delivery. Content Delivery is a lot more bandwidth intensive and can be used by a client for applications such as audio and video streaming, and VoIP. C.D. has a different reward structure: for every hour connected to the C.D. servers you will receive 6 credits.
Content Delivery is currently only available in the following countries:- Argentina
- Australia
- Austria
- Belgium
- Brazil
- Canada
- China
- Colombia
- Czech Republic
- Denmark
- Finland
- France
- Germany
- Greece
- Hong Kong
- Hungary
- India
- Ireland
- Italy
- Japan
- Malaysia
- Mexico
- Netherlands
- New Zealand
- Norway
- Poland
- Philippines
- Portugal
- Romania
- Russia
- Singapore
- South Africa
- South Korea
- Spain
- Sweden
- Switzerland
- Taiwan
- Thailand
- Turkey
- United Kingdom
- United States of America
Of course more countries will be added in time, so check back regularly.
Operating System | Basic Function | Content Delivery |
---|---|---|
Android | ✓ | |
iOS | ✓ | |
Linux | ✓ | Planned |
MacOS | ✓ | ✓ |
Windows | ✓ | ✓ |
C.D. is also limited by operating system, though this could also change in the future. Linux is planned.
Referral scheme
You can also refer friends and receive 10% of their credits. Your commission does not affect the amount received by your referrals.
Faucet ("prizes")
There's even a faucet that you can use every day. The amount you receive varies randomly.
Sign up bonus
And last but by no means least you can receive US$5 right now simply by signing up using my referral link. You can also receive a 20% boost in credits if you choose to receive JumpTask.
You can elect to receive your payout via PayPal, Bitcoin or JumpTask. You can choose a different method each time.
Tips
You can have up to two devices active on each network at any one time. Additional devices will report "Network overused" but will sit in a queue until a device leaves your network. You can take advantage of any other networks you might have. For example: your home broadband, your mobile network, nearby public Wi-Fi, and so on. The only requirements are that the network has to be of good quality, so dial-up isn't an option. Of course you need to be aware of the amount of data the app may use, which can be in the hundreds of gigabytes with C.D. enabled. I recommend adding C.D. to a home broadband network as they are usually fast and stable compared with other networks generally available.
Links may use the author's referral code.
Correct at time of writing. Always do your own due diligence. This article does not constitute investment advice. Caveat emptor. Last updated 16/3/2022.
Sources
- https://honeygain.zendesk.com/hc/en-us/articles/360011076840-Content-Delivery-What-is-it-Where-is-it-available-What-are-the-requirements-for-it-How-much-does-it-pay- (Retrieved 16/4/2022)
- https://honeygain.zendesk.com/hc/en-us/articles/360011222379-How-do-referrals-work- (Retrieved 16/4/2022)
- https://www.blog.honeygain.com/post/why-honeygain-passive-income-opportunity-is-better-than-others (Retrieved 16/4/2022)
Brickowner
Investments include buy-to-let properties and new-build developments, both of which provide attractive returns to the investor. Properties can vary from housing to business sites and even cemeteries.
All properties are located in the U.K., but investors from far and wide are welcome with one exception: U.S. residents are not currently being accepted.
Returns are realised via interest, dividends and/or capital growth, depending on the nature of the investment.
The minimum investment is £500 and following investments can be as low as £1.
There is also a secondary market should you wish to exit the investment, though it is important to remember that the market is illiquid and you will need to invest for the full period of the investment (assuming the investment time is finite) to recognise the maximum returns.
How much should I invest?
That is up to you and I cannot offer investment advice. As always you should not invest more than you can afford to lose as the value of investments can fall as well as rise. Although Brickowner sources high quality properties, there is always a non-zero risk of default.
Individuals (not commercial operators) investing £1,0001 or more now on the primary market via my referral link will receive £50 or 0.5% of the initial investment, whichever is the greater2.
I haven't received my bonus!
This can occur if your browser blocks cookies.
Section 2.b. of the T&Cs:
The Referred must invest using the Referrer's unique referral link at the start of their registration process or confirm their referral with hello@brickowner.comReferral code: 3lYNWEwrpQO4DMg (in case you need it).
Your Capital Is At Risk
Past performance is not a reliable indiciator of future rewards.
The value of your investment can go down as well as up. If you want to sell your position on the secondary market, there is no guarantee that you will be able to find a buyer within a reasonable timeframe at a price that is acceptable to you. P2P investments are not highly liquid assets. Yields may be lower than estimated. Defaults can occur.
This is a personal blog and should not be considered financial advice. If you are unsure about whether an investment is right for you, you should seek independent advice before investing.
The author is a lender and minority shareholder in this product and links use the author's referral code.
Correct at time of writing. Always do your own due diligence. This article does not constitute investment advice. Always seek professional help in relation to your finances. Caveat emptor. Last updated 10/3/2022.
- Nett of any upfront fees, if any
- Investment must be made within 30 days of opening the account, and be held for an additional 14 days
Sources
- https://app.brickowner.com/referral-terms-conditions (Retrieved 10/3/2022)
- https://www.brickowner.com/help-centre/investing-from-outside-the-uk/ (Retrieved 10/3/2022)
- https://www.brickowner.com/help-centre/what-is-the-minimum-investment/ (Retrieved 10/3/2022)
- https://www.brickowner.com/help-centre/how-do-i-earn-income-and-capital-growth/ (Retrieved 10/3/2022)
YouGov
It is their opinion polls you hear on the BBC, and others. You may have already heard of YouGov, especially around election time.
There are other paid survey sites, but YouGov has outlived them all, and pays consistently within a few business days (once the payout limit is reached and requested).
And, yes, you'll even get a nice little top-up of £2 per referral once they complete six surveys.
YouGov specialises in market research and opinion polling through online methods. The company's methodology involves obtaining responses from an invited group of Internet users, and then weighting these responses in line with demographic information. It draws these demographically-representative samples from a panel of over 8 million people worldwide.~ Wikipedia
U.K. only.
Bitcoin savings accounts
The crucial difference, at time of writing, is that fiat savings accounts are offering practically nothing, but Bitcoin savings accounts are still offering attractive interest rates.
Savings Account | Interest Rate | Minimum Deposit | Fees* | Notes |
---|---|---|---|---|
FreeBitco.in | 4.08% | 0.0003 | Includes games, lotteries and a faucet | |
StakeCube | 7.572% | 0.0005 | Also offer LTC, DOGE and DASH savings accounts, and MN & POS hosting. Higher rates offered with SCC masternodes. |
This has a tax advantage in the U.K., and possibly in other territories. Gains in Bitcoin are treated as Capital Gains. With a fiat savings account you pay income tax on every interest payment. With a Bitcoin savings account you don't pay any tax until you liquidate. So you can effectively “re-invest” your interest payments without paying tax on the amount multiple times. C.G.T. is usually preferable in the U.K. as it works out cheaper for the investor, but this depends on your personal circumstances.
Correct at time of writing. Always do your own due diligence. Caveat emptor. Links use the author's referral code. Last updated 20/8/2020.
Sources:
https://www.gov.uk/government/publications/tax-on-cryptoassets/cryptoassets-for-individuals (Retrieved 4/9/2020)
Crypto faucets
The following are crypto faucets. Enjoy!
Note: Some faucets require a FaucetPay account to receive payments.
Name | Currencies | Cooldown | Referrals |
---|---|---|---|
BTCPop |
1337 2GIVE 2x2 404 ADC ALEX ARCO BAY BEAN BLAS BLK BLOCK BOAT BOST BRO BSV CBX CLAM CLOAK CPS CURE DEM DMD DOGE EGC EMC ESP EXCL FAIR FLT GCR GRC HBN HPC HYP IC INFX INSN IOC ION JMC KB3 LANA LDOGE LUNA MINT MOIN MONK NAV NET NEVA NKA NLC2 NOTE NRO NVC NXS ODN OK ONE ONION ORB $PAC PETAL PHR PIGGY PINK PIVX PKOIN PND POT PPC RBT RBY RDD RUPX SAFE SLG SPEED SPRTS STRAT TES TRI TRUMP TX UGD VAL WGR XBC XHI XMG XP XSPEC XTO ZEIT |
30 mins | ✔ |
Claim4Fun² | Bitcoin Ethereum |
8 hours¹ | ✔ |
CryptoCore³ | 1 day | ||
FreeBitco.in | Bitcoin | 1 hour | ✔ |
Faucet Crypto | BCH BSV BTC BTT DASH DGB DOGE ETC ETH KMD LTC PIRATE PIVX RDD RVN SYS TRX XVG ZEC ZEN |
40 mins¹ | ✔ |
Faucet Gold² | Bitcoin Ethereum |
8 hours | ✔ |
Gridcoin Stats | Gridcoin | 1 hour | |
Gridcoin Switzerland | Gridcoin | 1 day | |
Live Miner Token | LMT | Variable⁴ | ✔ |
Mellow Ads | Ad credit (BTC) | 1 day | ✔ |
RushBitcoin | Bitcoin | 7 mins | ✔ |
StakeCube | ASAFE BLOCK BTC CTSC DASH DGB DOGE ESBC GBX KYDC LTC MERGE MMO MONK PIVX PRIV SCC VSX XP |
1 day | ✔ |
¹ Decreases with use ² Requires a FaucetPay account to receive payments ³ New address needed with each claim ⁴ Can be increased with LMT |
This page last updated 27/07/2021.