Banking for Chill People?

Disclaimer: I’m a big fan of KOHO for over 4 years. I love partnering with KOHO as an affiliate, talking about how they’ve helped me and how great their products are. This love goes both ways as KOHO rewards me for sharing their products. This means when you take action, I earn a small commission at no extra cost to you, and you earn $20 as well. (I know right! How awesome really is KOHO!)

Sooo… Is KOHO a bank? In short — NO.

KOHO isn’t your grandma’s bank. It’s a fee free, mobile banking app that lets you manage your money without the hassle of traditional banks. But here’s the thing: KOHO itself isn’t technically a bank.

See below which was taken directly from KOHO’s site.

If you’re looking for an online-only spending and savings account, another option is KOHO. KOHO isn’t a bank, but offers a no-fee spending and saving account that comes with a reloadable prepaid Mastercard. You can load money into your KOHO account by Interac e-Transfer from your regular bank account, through an existing Mastercard or Visa debit, or via direct deposit from your work paycheque.

KOHO: The Fintech Friend You Need

Think of KOHO as your financial tech (fintech) bestie. It partners with a real bank to store your money safely and give you all the features you need, like a prepaid Mastercard and direct deposit. But unlike traditional banks, KOHO ditches the hidden fees and confusing statements.

Do You Need a Regular Bank with KOHO?

Maybe, maybe not. KOHO lets you pay bills, set savings goals, and send free e-Transfers, all without the monthly fees. Plus, you get a virtual card for online shopping and digital wallets. If you need things like writing cheques or safety deposit boxes, a traditional bank might still be useful. But for everyday banking, KOHO might be all you need.

Start Earning Money With KOHO

Ready to start earning 5% on your entire balance with no minimum deposit required? Join KOHO today! (psst. You will get a cool $20 reward when you do) Get started here by clicking the link >>> kohofinancial.pxf.io/high-interest

Prepaid Cards: Your Secret Weapon for Budgeting, Safety, and More

Being a focused college student often means juggling a lot. Between classes, textbooks, and that social life you (hopefully) have, finances can get complicated. A prepaid card can be a surprisingly useful tool for managing your money and staying on top of your spending. Here’s why:

• Safety Net for Online Shopping: Worried about shady websites or fraud? Prepaid cards are loaded with a specific amount, so you can’t lose more than what’s on the card. Perfect for those online deals that seem too good to be true.
• New in Town, New Card: Just moved for college? Prepaid cards are a great option for new immigrants or anyone who doesn’t have a bank account yet. They offer a secure way to make purchases without the hassle of setting up traditional banking.
• Budgeting Boss: Prepaid cards help you stick to your budget. You can only spend what you load onto the card, making it a fantastic tool for managing impulse purchases and that ever-dwindling ramen fund.
• Building Credit Isn’t an Option (Yet): No credit history or bad credit? Prepaid cards don’t require a credit check, unlike traditional credit cards. This allows you to make purchases and build a spending history, which can be helpful down the line when applying for credit cards.
• Beware the Transaction Trap: Some debit cards charge fees after a certain number of transactions. Prepaid cards can help you avoid these pesky charges, letting you swipe worry-free.

High Interest Savings Account with 5% - KOHO Savings Account

Not All Prepaid Cards Are Created Equal

Here’s a heads-up: some reloadable prepaid cards don’t have a billing address, which can limit online purchases. That’s why KOHO stands out. Their prepaid card allows for online transactions and integrates seamlessly with your digital life. Plus, setting up direct deposit with KOHO makes it completely free!

Bonus! Sign up for KOHO with my referral code (LC16A6NH) and get $20 to kickstart your financial journey!

Disclaimer: Credit scores are based on complex models involving a variety of factors. Consistent on-time payments help improve credit scores. Missed or late payments may cause credit scores to decrease. Outcomes may vary among users.

KOHO users see an average credit score increase of 22 points in their credit history

(Plus a $20 Bonus!)

Busy Mama? Get Your Free Credit Score in Minutes with KOHO (Plus a $20 Bonus!)

KOHO

Being a single mom is tough. You juggle a million things every day, and keeping track of your finances can feel like another item on that endless to-do list. But one important financial step you shouldn’t skip is checking your credit score.

Your credit score is a number that lenders use to assess your creditworthiness. It impacts everything from getting a loan for a new car to renting an apartment. So, knowing your score empowers you to make informed financial decisions.

The good news? You can easily check your credit score for free in Canada, and even get rewarded for it! Here’s how:

Free Credit Score & $20 Bonus with KOHO

KOHO is a fantastic financial app that helps you manage your money and get your free Equifax credit score, all in one place. Plus, when you sign up using my referral code, you’ll get a cool $20 bonus to jumpstart your savings! (Only if you use referral code ZHJPJ2YM)

Here’s what you need to do:

1. Download the KOHO app and sign up for an account.
2. Choose the Essential plan (it’s free!) and set up direct deposit. This activates your free credit score feature.
3. Boom! You’ll find your free Equifax credit score displayed right within the KOHO app.

Why Check Your Credit Score with KOHO?

• Fast & Easy: No paperwork, applications, or credit checks needed.
• Extra Insights: Get helpful tips and understand what’s impacting your score.
• Monthly Updates: Monitor your credit health with regular score updates.
• No Impact on Score: Checking your score with KOHO won’t hurt it!

Peace of Mind for Busy Moms

With KOHO, checking your credit score becomes a breeze. No more scrambling for appointments or complicated procedures. It’s all accessible within the app, so you can manage your finances on the go, whenever you have a spare moment.

Ready to Take Control?

KOHO

Download the KOHO app today, sign up with my referral code (LC16A6NH), and unlock your free credit score along with your $20 bonus! It’s a simple step towards financial empowerment, giving you one less thing to worry about as a busy single mom.

Get a Free $60 to Practice with Webull.

Are you curious about investing but hesitant to use your own money? And yes, Webull is in Canada also.

Webull offers a great way to dip your toes in the water without risking your own capital. Sign up using my referral link and get $60 free to invest in your chosen stock or ETF (exchange-traded fund).

YOUR TOP CHOICE FOR CA&US EQUITIES TRADING​!

This is a fantastic opportunity to:

* Learn the ropes of investing with real market data.

* Build your confidence by making investment decisions without financial risk.

* Discover your investment style and risk tolerance.

Even after you’ve used your free $60, Webull’s paper trading feature allows you to continue practicing and honing your investing skills.

With paper trading, you can:

* Simulate real-world trades using virtual currency.

* Test out different investment strategies.

* Track your performance and learn from your mistakes.

Webull provides a user-friendly platform with extensive resources to guide you on your investing journey.

Ready to give it a try? Sign up with my referral link today:

YOUR TOP CHOICE FOR CA&US EQUITIES TRADING​!

Free payday loan

Grab your free $20 when you sign up with KOHO. Get cash 🔙 on expensive groceries, high interest on your entire balance, and tools to build your credit history. But it doesn’t end there — get it all + a gift when you join KOHO today!

Click here to download the KOHO app, or use this code on sign-up: LC16A6NH

If you have been wondering which app spots you money instantly, I’ve got you covered. I am going to spill the tea, and give you the scoop, on how to get the benefit from a payday loan without the burden of payday loan fees.

Typically, when we opt for a payday loan, the fees goes something like this:

Loan amount — $300.

Cost — $20 per $100.

Repayment amount — $360

(You’ll pay $20 x 3= $60 each time you reborrow $300)

Each time you borrow, that $20 per $100 fee will apply.

When you borrow using cover or tradeline with Koho, the fees look like this:

Cover

Loan amount — $250.

Cost — $20 per month.

Repayment amount — $250

Once you pay your initial $20 for your monthly cover subscription, you’ll have access to reborrow, after each repayment, free of cost. This means if you were to repay before the month is through, you can reborrow without fees.

Lets get some things clear;

• There are no obligations to remaining subscribed. This means you can totally pay $20, borrow, and reborrow multiple times for the month, then dip the month after.
• There are no documents to upload to access the loan.
• There is no application process
• Once your Koho account is fully verified, you will have access to Koho Tradeline or Cover.

CONS

You cannot withdraw your Koho cover loan. You can only purchase things that can be bought with your debit card. You also cannot send an e-transfer from the funds. If you would like to do either then see the next option.

KOHO Tradeline

Loan amount — $225.

Cost — $7 to $10 per month.

Repayment amount — $225

Once you pay your $10 for your monthly credit builder subscription, you’ll have access to reborrow after each payment, free of cost. Since any activity you complete in credit builder affects your credit, Koho advices you not to use the full amount. Instead they advice that your credit utilization should not surpass 10%. So in this case they advice you not to use more than $22.50 of the $225 you have access to via Tradeline.

Ignore the very obvious 100% utilization rate shown below. Lol.

How does Credit Building work? | KOHO Help Center

How to Change or Cancel Koho Cover level

1. Click on “cover” in the “spend” tab in your Koho app.
2. Click the “settings” toggle at the top right
3. Either cancel or change your cover limit.

Koho Cover vs Credit building

Here’s a breakdown of the key differences between Koho Cover and Koho Tradeline:

Accessing the Funds:

• Cover: You can only use Cover funds with your debit card for purchases, you cannot withdraw the money directly.
• Tradeline: You can both use Tradeline funds with your debit card and withdraw the money directly.

Building Credit:

• Cover: Using Cover does not affect your credit score.
• Tradeline: Using Tradeline responsibly and making your payments on time can help you build your credit score.

Monthly Fee:

• Cover: Has a flat $20 monthly fee.
• Tradeline: Has a slightly cheaper monthly fee of $7 to $10 (depending on if you bundle or not. Remember cash back also help to reduce the cost)

Borrowing Limit:

• Cover: Offers a slightly higher borrowing limit of $250.
• Tradeline: Offers a borrowing limit of $225.

In a nutshell:

• Cover: Ideal if you need a safety net for emergencies and don’t care about building credit, but only want to use the funds with your debit card.
• Tradeline: A good option if you want to access cash directly, and also want to build your credit score with responsible use.

Download Koho Today!

KOHO

Level Up Your Finances! Free $20 CAD

Hey everyone!

College life: it’s a whirlwind of lectures, late-night study sessions, and ramen dinners (because who can afford real groceries, right?). But on top of that, there’s another enemy lurking — bank fees. Those sneaky charges can seriously put a dent in your already tight budget.

Before you join the “Boycott the Bank Fees” movement, let’s explore an alternative: KOHO. This awesome app could be your secret weapon in the fight for financial freedom.

KOHO

Why KOHO Crushes Traditional Banks, for Students:

• Free Forever: Not just through post secondary. Say goodbye to those monthly account maintenance fees that seem to appear out of thin air!
• 5% High Interest: High Interest Savings Account Canada (HISA), is highly sought after. Let your money work for you with a Koho account. Interest is paid on your entire balance. Koho even Pays higher interest than Webull’s trading platform, Which as of today is/was 3%.
• Cash Back Cha-Ching! Every purchase you make with your KOHO debit card earns you instant cash back. Treat yourself to a coffee or that textbook you need, and KOHO rewards you for it. This is a perk you won’t find with most student accounts at traditional banks.
• Savings Made Simple: Budgeting in college can be tough. KOHO has built-in savings tools that help you stash away cash for that epic spring break trip or the new laptop you’ve been eyeing. No need for a separate savings account — it’s all right there in the app. Plus, KOHO typically offers better interest rates on your savings compared to student savings accounts at big Banks.

Ditching Bank Fees is a BOSS Move:

• More Money for the Fun Stuff: No more fees means more money for the things that matter, like textbooks, groceries, or maybe even a much-needed pizza night with friends.
• Building a Strong Financial Foundation: Learning to manage your money without the crutch of free transactions early on sets you up for financial success in the future.
• Peace of Mind, Priceless: Knowing your hard-earned cash isn’t being gobbled up by fees gives you a sense of control and freedom over your finances.
• Invest in Yourself: With the money you save from ditching bank fees, you can invest in your future — maybe a skill-building course or a financial literacy book.
• KOHO Rewards Your Savings!: KOHO offers interest on your savings balance, which helps your money grow over time. This beats out the typically lower interest rates offered by student savings accounts at big Banks.

YOUR TOP CHOICE FOR CA&US EQUITIES TRADING​!

Ready to Level Up Your Finances?

Get a cool $20 FREE when you sign up for KOHO using my referral code ZHJPJ2YM! Just download the app and enter the code during registration. It’s that easy!

Want to take it to the next level and make your money work even harder? Consider using my Webull referral link to open a brokerage account. You’ll get FREE stocks on top of a $60 bonus! Investing early, even with small amounts, can make a HUGE difference down the road.

Let’s ditch the bank fees and start building a brighter financial future together!

P.S. KOHO is a fantastic budgeting tool, but financial literacy is key! There are tons of resources online and at your college’s financial aid office to help you master your money game.

Happy Saving!

Claim Your $20 Welcome Bonus with KOHO! 🌟

🌟 Claim Your $20 Welcome Bonus with KOHO! 🌟

UPDATED CODE: LC16A6NH

Welcome aboard, savvy spender! If you’re ready to snag some extra cash, look no further. KOHO, the free online bank, is rolling out the red carpet for new customers like you. 🎉

Here’s How to Score Your $20:

Sign up for KOHO: It’s quick, easy, and totally free. Already have a referral code? Perfect! If not, no worries — just enter “ZHJPJ2YM” during sign-up.
Verify Your Phone Number: We’ll send you a quick verification code. Pop it in, and you’re good to go!
Get Spending: Whether you’re swiping your virtual card or flaunting your physical one, make a purchase within 30 days of signing up.
Cha-Ching! Within less than 24 hours, we’ll slide a cool $20 cash back into your account balance. It’s like finding money in your couch cushions, but better!

KOHO

Why Choose KOHO?

No Monthly Fees: Say goodbye to those pesky charges.
High Cash Back Rates: Earn while you spend — yes, even on that extra-large pizza.
High-Interest Savings Account: Watch your money grow faster than a cactus in a desert.
Don’t miss out on this sweet deal! Sign up today, and let’s kickstart your financial journey with a crisp $20 bill (well, digital bill, but you get the idea). 💸

KOHO: A better way to manage your money

👉 Get Your $20 Welcome Bonus 👈

Disclaimer: This listing is not affiliated with KOHO. It’s just a friendly shout-out from one money-savvy individual to another! 😊

Animate a simple logo (Vectornator)

OMG! Move by linearity has finally launched yesterday, January 15, 2024! Words cannot begin to explain how excited I am to use this new motion graphics, animation app.

Linearity, previously known as Vectornator, has even the plain field, and made illustration and graphic design accessible to anyone, regardless of their level of experience. Now, they’re back at it again. They are here to make animation accessible to anyone, regardless of their level of experience. Well, it’s more like motion graphics, but still a form of animation.

We’ll talk more about how to use Linearity Move in my next article and video.

Today we’re going to take a quick look on how to make an animated logo in Linearity Move.

Things to know before you get started:

• Your Curve file should be set up appropriately
• You should have a clear vision on what animation should occur
• Download the “follow along with me” linearity Curve logo file, from gum Road so that you can practice with me in this video.

By the end of this video we would have;

• Import or create a new file.
• Animate the letters
• Change the opacity on the letters
• Create the circular masks
• Animate logo circle

Follow along with the video.

How To Animate A Logo With Move by linearity was originally published in Procreaters on Medium, where people are continuing the conversation by highlighting and responding to this story.

Arianna needs to set him straight.

Am I the only one who wants to scream at Warrick? Why does the Author make it seem like his being nonverbal is somehow toughness. Isn’t it more like a slight spectrum of autism, or minimum a primate state?

Does Warrick know any other emotion outside of anger? Does all these stories over use the word “glare” and “snare”.

In what world can you just slap someone and not get beat the fuck up?

I swear if Arianna falls in love with that abusive Neanderthal, I’m going to write an extended letter to the author.

These stories are dangerously addictive and deliberately written to annoy you the right way. We listen to these stories for the healthy annoyances of course. But I lost it when Warrick grabbed Arianna by her throat and almost choked her to death.

He commands her to take off her clothes and bosses her around. He kisses her without her permission.

Doesn’t all these grimy behaviors, compromise her dignity? If he claims to care about her so much why does he repeatedly create situations for people to look down as her and see her as a concubine or whore?

Ok ok yes I know it’s just a story but that character Warrick has more than successfully aggravated every atom in my body, on a visceral level.

One can argue it is indeed the author’s intent to create this level of anxiety. How else can they get the listener to listen to over 2000 episodes, in hope for Arianna to get her revenge.

It is indeed the deliberate intent of the author to get us deeply connected and also annoyed. This way we can truly immerse into this world, feel Arianna’s pain, root for her, celebrate her successes and be a raving fan.

It’s working.

I can’t wait for her to fucking kill Madeline. That bitch Gina needs to die also. Gazel needs to be tortured but doesn’t deserve the mercy of death.

Are you a fan of the story “heart of a phoenix”?

If so jump in the comments let’s Have some healthy arguments about that douchebag Warrick and his horrible grandmother, Judith.

Isn’t Prince Warrick A Rapey Creep? was originally published in TeenProse on Medium, where people are continuing the conversation by highlighting and responding to this story.

Dear Instacart Shoppers (customers) don’t be morons!

I’d hope to get to the point, but my rambling off trait may get the better of me. But, here we go.

Annoying text messages

Don’t text relentlessly on the same topic. The shopper is either driving, or shopping. Orders are timed. Should you choose to be impossible, consider saving both our times, and retrieve your items yourself.

Replacement items

Don’t request a replacement that was marked as unavailable. Clearly it’s unavailable. Simply requesting an item that was just marked as unavailable, because you deem the shopper’s efforts inadequate, wont let the item spawn to the shelf.

Adding extra items post order

Don’t add more than two items after the shopper has entered the store. A shopper decides to take a batch based on the pay. If the batch shows 20 items and pays $15, the shopper may estimate it may take 15 mins to shop, then 10 mins to deliver. A total of about 25 mins.

However, if you selfishly add 12 items while the shopper is in the store, it now requires more time to shop, and the pay remains the same. We are working not running a charity.

This also affects the shopper’s shop rate, or speed. As you’ve added more items, and the orders are timed you’ll now make the shopper late. This can impact star rating. The shopper can drop ratings and lose vital perks, and income.

Put animals away

Tie your dam dog. I don’t care if you think it’s nice. If it has teeth, tie it.

Consider driver safety

If you live between an alley way, and you order especially at night, please use your brain and meet at the front. No I will not open your gate and come to the back. I’m not accidentally be mistaken for a burglar.

Meet the driver

If there’s no street parking or the entrance to your building is on a busy freeway, come down to the front.

Tip your driver

Please don’t get me started. I can’t even. Especially you that buy 3 cases of coke, along with a humongous dog food, and cases of water. Yeh. You. Oh yea and you live on the 18th floor while take forever to open the door when buzzed. OMG I can feel myself aging just thinking about this ugh.

So there you go. By the way I have hundreds of drafted blog posts that’s Been sitting for almost two years. Hopefully I find some discipline or time management skills and schedule their release.

I’m working on my graphic design portfolio, and increasing the number of items I have listed on my print on demand shops Including amazon. I’m Also always taking a course. Trust me. I have no clue where I find the time. Oh yeh. That’s right! I don’t!

I’m happy to share all the hustles I did before I go to this point in my life. 😊