Wise allows a person to transfer money abroad fast and securely, at a much more favourable exchange rate than my bank allows. Indeed, in my case, Wise offers a much lower fee also.
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.
Honeygain is an application that sits in the background of your device and uses spare bandwidth. Once installed you can forget all about it. Your bandwidth is sold to commercial clients:
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.
Availability of C.D. by platform
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.
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.
Brickowner is a property investment platform made available to all kinds of investors including retail.
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.com
Referral 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.
Notes:
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
