A few times when I didn't really have the cash to deposit into my online betting account (won't say which it is), I got on the live chat and said I would leave to another betting company, which was Luxbet as they had a matched deposit offer up to $700. I have actually done this twice and it has worked both times. Just wondering, has anyone else had experiences like this and is the competition that fierce that they would offer these promotions to keep customers.
PS- my turnover is in excess of around $60,000-$70,000 (not what I have lost but what I have played with) and I am probably down around $10,000. So maybe this has something to do with them not wanting me to go? Anyway, anyone had similar experience?

Questions about sportsbooks, promos, bonuses, rollovers, etc. Post/host contests on /sportscontests, discuss selections/player prop bets/survivor pools/pick em pools/calcuttas/westgate etc. here.

The rollover on a bonus of $10 is a total of $550 (which is the deposit made of $100 + the bonus of $10 multiplied by 5 which is the rollover amount on our 10% bonus) for the rollover completion we take into account the smallest amount between your risk and win amount every time you place a wager (please note that only sports betting counts for rollover casino action does not).
After reviewing your account we see that you have never gone down to zero balance between your deposits, this actually means that the rollover on each of your deposits is still active, if you had lost the deposit completely the rollover is reset, but in this case it does not apply, Having said that according to our records you have completed a total of $304.82 in rollover since your first deposit on 7/17/2020, the total amount of rollover on your account, which is coming from your 3 deposits with bonuses and the cash boost we provided for the return of major sports is $1855, which means that at the moment you have $1550.18 left to complete in rollover for your account.
THE ABOVE IS FROM AN EMAIL. I JOINED WHAT I THOUGHT WAS A REDUCED JUICE CASH-BACK SITE WITH NO ROLLOVER. THEY ADD A $10 BONUS, UNLESS YOU UNCHECK A BOX ON THE MAIN SITE, NOT THE MOBILE SITE. NOTE THAT DEPOSITS ALLOW CASINO AND SPORTS BOOK, BUT IN THE FINE PRINT, CASINO DOES NOT COUNT TOWARDS ROLLOVER. AT INTERTOPS, 2 SEPARATE ACCOUNTS ARE REQUIRED, AT BOVADA ACTION COUNTS IN A WEIGHTED WAY, DEFINED IN THE BONUS, NOT FINE PRINT. My deposits were roughly $100 each time (bitcoin deposits make it hard to be exact). So 3 deposits with $30 required $1855 in betting, a 60x rollover.
AVOID THIS SITE, NOTE FURTHER THAT UNLIKE BOVADA, ONE CAN NOT FORFEIT THE BONUS WHEN YOU ARE AT SAY $.14, or $.97 too small for a bet. So rollover keeps adding up, despite losing your stake.
I am a big boy and expect to lose, but never even having the slightest chance at making a Withdrawal is too much. You all know the big names, stray at your own detriment. I welcome feedback from anyone who has either positive or negative feedback.
Dorleans15

Hello guys, I have several offers for various US Sportsbooks (requires you to be 21 years or older).
 
You have to be physically located in the states listed, as the websites all use geolocation.
 
I will pay you for just achieving the simple referral criteria outlined below in the third column. You are welcome (and should, it's free money basically) to take advantage of the additional offers as well on these sites.
 
Many of the rewards for these signups are in the form of free bets. They can be converted to cash risk free with a process known as matched betting. Basically what you do, is bet on one side of an event at one casino with a free bet, and then bet on the other side at another one. This results in a guaranteed profit regardless what outcome. For using my link, I will pay you for the sign up as well as talk you through how to convert the bonuses into cash.
 
To figure out how much to bet on each side, just insert the odds into this calculator and play accordingly. When you bet with a freebet, your stake amount does not get returned and you only keep the winnings. As a result your free bet should always be placed on the underdog (Odds with a positive number). I am for around +250, -270. You should easily be able to find events that will give you 60% return on the free bet (ex. $100 free bet turns into $60)
 
If you have any more questions, feel free to ask and I can help. I am in the process of writing a guide as well.
 
In addition to the bonus for doing my referral, these sites have additional signup bonuses that are very generous as well that you can take advantage if you want to. Using the above method, you can turn the signup bonuses into ~$1000 risk free. Just make sure to be aware of the the terms and conditions. If you tell me what offers you are doing, I can direct you step by step on what to do to maximize the offers. This link here provides more explanation on the types of bonuses..  
In addition after you sign up on to these sites, they have regular promotions all the time that you can continue to take advantage of these and make additional money risk free using the above mentioned technique.
 
I will pay by venmo/paypal/cash app once I receive the bonus on my end.
 

Casino	States	What to do to get paid by me	Referral Offer	Signup Bonus	Approximate Cash Value	I Pay	Terms and Conditions
Draftkings	NJ, PA, WV, CO, IN, IL, IA, NH	Signup and just deposit $100 (can withdraw immediately after)	Sign up with my link and receive $100 free bet (~$60) after depositing $100,	Freebet equal to the value of your first cash wager (Up to $500) & 20% deposit match (up to $500, unlocked $1 at a time every $25 played)	$360	$25	Referral Bonus T&C, Signup Bonus T&C
FanDuel	NJ, PA, WV, CO, IN, IL, IA	Deposit atleast $10 and bet with it (can bet against Draft kings to make it risk free)	Sign up with my link and receive $50 in site credit after making a minimum $10 wager	Get refunded up to $1000 in site credit if your first bet loses (site credit is worth more than a free bet, its basically cash)	$1000	$20	Sign up Bonus T &C
Pointsbet	NJ	Deposit $50 (can withdraw immediately after)	Sign up with my link to receive $200 in freebet, Sign up with my link and receive a $50 freebet (~$30) for depositing $50	Up to $250 deposit match Use code "MAXBONUS" to receive, this is better than the $500 risk free bet offer that shows up by default	$360	$10	Signup Bonus and Referral Bonus T&C
Golden Nugget	NJ	Deposit and wager at least $50 (risk can be mitigated by using offers and strategy that I can explain)	I need your e-mail, to send the link to you through the casino's website. deposit and wager at least $50 (accomplished if you do the signup bonus)	Up to $100 freebet if your first cash wager loses	$18	$15	Referral and Sign Up Bonus T&C, Sign up bonus T&C
Sugarhouse	NJ	Deposit and wager at least $50 (risk can be mitigated by using offers and strategy that I can explain)	I need your e-mail, to send the link to you through the casino's website, need to deposit and wager at least $50 (accomplished if you do the deposit bonus)	100% deposit match (up to $250)	$250	$15	Referral bonus T&C , Signup Bonus T&C
Bet Rivers	PA	Deposit and wager at least $50 (risk can be mitigated by using offers and strategy that I can explain)	I need your e-mail, to send the link to you through the casino's website, need to deposit and wager at least $50 (accomplished if you do the deposit bonus)	100% deposit match (up to $250)	$250	$15	Referral Bonus T&C, Sigup Bonus T&C

Hello guys, I have several offers for various US Sportsbooks (gotta be 21 years or older).
I will pay you for just achieving the simple referral criteria outlined below.
In addition to the bonus for doing my referral, these sites have additional signup bonuses that are very generous as well. Using the above method, you can turn the signup bonuses into ~$1000 risk free. Just make sure to be aware of the the terms and conditions. If you tell me what offers you are doing, I can direct you step by step on what to do to maximize the offers. This link here provides more explanation on the types of bonuses..
Many of the rewards for these signups are in the form of free bets. They can be converted to cash risk free with a process known as matched betting. Basically what you do, is bet on one side of an event at one casino with a free bet, and then bet on the other side at another one. This results in a guaranteed profit regardless what outcome. For using my link, I will pay you for the sign up as well as talk you through how to convert the bonuses into cash.
 
You have to be physically located in the states listed, as the websites all use geolocation.
 
To figure out how much to bet on each side, just insert the odds into this calculator and play accordingly. When you bet with a freebet, your stake amount does not get returned and you only keep the winnings. As a result your free bet should always be placed on the underdog (Odds with a positive number). I am for around +250, -270. You should easily be able to find events that will give you 60% return on the free bet (ex. $100 free bet turns into $60)
 
If you have any more questions, feel free to ask and I can help. I am in the process of writing a guide as well.
 
In addition to the bonus for doing my referral, these sites have additional signup bonuses that are very generous as well. Using the above method, you can turn the signup bonuses into ~$1000 risk free. Just make sure to be aware of the the terms and conditions. If you tell me what offers you are doing, I can direct you step by step on what to do to maximize the offers. This link here provides more explanation on the types of bonuses..  
In addition after you sign up on to these sites, they have regular promotions all the time that you can continue to take advantage of these and make additional money risk free using the above mentioned technique. .
 
I will pay by venmo/paypal/cash app once I receive the bonus on my end.
 

Casino	States	What to do to get paid by me	Referral Offer	Signup Bonus	Approximate Cash Value	I Pay	Terms and Conditions
Draftkings	NJ, PA, WV, CO, IN, IL, IA, NH	Signup and just deposit $100 (can withdraw immediately after)	Sign up with my link and receive $100 free bet (~$60) after depositing $100,	Freebet equal to the value of your first cash wager (Up to $500) & 20% deposit match (up to $500, unlocked $1 at a time every $25 played)	$360	$25	Referral Bonus T&C, Signup Bonus T&C
FanDuel	NJ, PA, WV, CO, IN, IL, IA	Deposit atleast $10 and bet with it (can bet against Draft kings to make it risk free)	Sign up with my link and receive $50 in site credit after making a minimum $10 wager	Get refunded up to $1000 in site credit if your first bet loses (site credit is worth more than a free bet, its basically cash)	$1000	$20	Sign up Bonus T &C
Pointsbet	NJ	Special offer fort his weekend only 10/3-10/4 deposit $50 a place one cash bet of $20 - receive a $200 in freebet. Deposit $50 (can withdraw immediately after)	Sign up with my link to receive $200 in freebet, Sign up with my link and receive a $50 freebet (~$30) for depositing $50	Up to $250 deposit match Use code "MAXBONUS" to receive, this is better than the $500 risk free bet offer that shows up by default	$360	$10 ($25 for this weekend 10/3-10/4)	Signup Bonus and Referral Bonus T&C
Golden Nugget	NJ	Deposit and wager at least $50 (risk can be mitigated by using offers and strategy that I can explain)	I need your e-mail, to send the link to you through the casino's website. deposit and wager at least $50 (accomplished if you do the signup bonus)	Up to $100 freebet if your first cash wager loses	$18	$15	Referral and Sign Up Bonus T&C, Sign up bonus T&C
Sugarhouse	NJ	Deposit and wager at least $50 (risk can be mitigated by using offers and strategy that I can explain)	I need your e-mail, to send the link to you through the casino's website, need to deposit and wager at least $50 (accomplished if you do the deposit bonus)	100% deposit match (up to $250)	$250	$15	Referral bonus T&C , Signup Bonus T&C
Bet Rivers	PA	Deposit and wager at least $50 (risk can be mitigated by using offers and strategy that I can explain)	I need your e-mail, to send the link to you through the casino's website, need to deposit and wager at least $50 (accomplished if you do the deposit bonus)	100% deposit match (up to $250)	$250	$15	Referral Bonus T&C, Sigup Bonus T&C

I deposited $100 into Ignition to dabble in online poker and it says I can get $100 bonus if I finish the reward in a month (didn't get to play the first week after I deposited...). Got it up to $260 in a day multi tabling $25 Zoom (and back down to 190, etc swings, etc). I checked on the below bonus progress and im already 25% the way there. How exactly does this bonus work? Do I just get $100 when I finish the reward? Are there any gimmicks..?
​
Here's the bonus:

200% up to $2,000 (200 mBTC) Poker & Casino Welcome Bonus

Make your first deposit with a credit card and get both the 100% up to $1,000 (100 mBTC) Poker Welcome Bonus and 100% up to $1,000 (100 mBTC) Casino Welcome Bonus - 30X Rewards Points earned in Poker per dollar - Active for 30 days. Standard Terms and Conditions apply.

Hello,
I do not know how to say it, but I was just deducted € 43,655.80 and then thanked for being so cooperative.
How did that happen? On July 11th, 2020 I deposited € 1000 in vegashero.com Casino and received a bonus of € 100. I was aware that I cannot exceed a maximum bet of € 5 a long i was in bonus money.
So there is nothing tell me in the bonus terms that I am not allowed to buy the bonus games in one game, so I bought the bonus games for € 200 over and over again with the game Money Train. In this bonus game the stake is then € 2.5 and therefore does not exceed the stake of € 5.
Incredible but true, after days I was € 43,655.80 plus and wanted to pay out. Today I got the call that I had violated the bonus terms and everything is invalid. Because my stakes would have been € 200, I kept repeating that the stake was not € 200 but only € 2.5. They didn't want to listen and then I just received the mail that everything was deducted and I was credited with 1000 € again.

1. Can I do something there
   
2. Don't touch vegashero.com
   

Hello guys, I have several offers for various US Sportsbooks (gotta be 21 years or older). Many of the rewards for these signups are in the form of free bets. They can be converted to cash risk free with a process known as matched betting. Basically what you do, is bet on one side of an event at one casino with a free bet, and then bet on the other side at another one. This results in a guaranteed profit regardless what outcome. For using my link, I will pay you for the sign up as well as talk you through how to convert the bonuses into cash.
 
You have to be physically located in the states listed, as the websites all use geolocation.
 
To figure out how much to bet on each side, just insert the odds into this calculator and play accordingly. When you bet with a freebet, your stake amount does not get returned and you only keep the winnings. As a result your free bet should always be placed on the underdog (Odds with a positive number). I am for around +250, -270. You should easily be able to find events that will give you 60% return on the free bet (ex. $100 free bet turns into $60)
 
If you have any more questions, feel free to ask and I can help. I am in the process of writing a guide as well.
 
In addition to the signup bonuses from doing my referral, these sites have additional signup bonuses that are very generous as well. Using the above method, you can turn the signup bonuses into ~$1000 risk free. Just make sure to be aware of the the terms and conditions. If you tell me what offers you are doing, I can direct you step by step on what to do to maximize the offers. This link here provides more explanation on the types of bonuses..
 
In addition after you sign up on to these sites, they have regular promotions all the time that you can continue to take advantage of these and make additional money.
 
I will pay by venmo/paypal/cash app once I receive the bonus on my end.
 

Casino	States	Referral Offer	Signup Bonus	Approximate Cash Value	I Pay	Terms and Conditions
Draftkings	NJ, PA, WV, CO, IN, IL, IA, NH	Sign up with my link and receive $100 free bet after depositing $100,	Freebet equal to the value of your first cash wager (Up to $500) & 20% deposit match (up to $500, unlocked $1 at a time every $25 played)	$360	$10	Referral Bonus T&C, Signup Bonus T&C
FanDuel	NJ, PA, WV, CO, IN, IL, IA	Sign up with my link and receive $50 in site credit after making a minimum $10 wager	Get refunded up to $1000 in site credit if your first bet loses (site credit is worth more than a free bet, its basically cash)	$1000	$10	Sign up Bonus T &C
Pointsbet	NJ	Sign up with my link and receive a $50 freebet for depositing $50	Up to $250 deposit match Use code "MAXBONUS" to receive, this is better than the $500 risk free bet offer that shows up by default	$250	$10	Signup Bonus and Referral Bonus T&C
Golden Nugget	NJ	I need your e-mail, to send the link to you through the casino's website. deposit and wager at least $50 (accomplished if you do the signup bonus)	Up to $100 freebet if your first cash wager loses	$18	$10	Referral and Sign Up Bonus T&C, Sign up bonus T&C
Sugarhouse	NJ	I need your e-mail, to send the link to you through the casino's website, need to deposit and wager at least $50 (accomplished if you do the deposit bonus)	100% deposit match (up to $250)	$250	$10	Referral bonus T&C , Signup Bonus T&C
Bet Rivers	PA	I need your e-mail, to send the link to you through the casino's website, need to deposit and wager at least $50 (accomplished if you do the deposit bonus)	100% deposit match (up to $250)	$250	$10	Referral Bonus T&C, Sigup Bonus T&C

Recently saw a post about casino offers, so thought I’d share best tips for starting out on casino offers. There are plenty of cash back ones that are rolled out periodically, but these 6 casinos are the best ones for starting out. All have the same sign up offer.
RAINBOW RICHES CASINO, JACKPOT JOY, HEART BINGO, VIRGIN GAMES, STARSPINS, MONOPOLY CASINO.
All of the above have a welcome offer of wager £10 on any game, and receive 30 free spins.
There are a number of strategies you can use to extract value from these, though I will explain what I believe to be the best two options.
STEP ONE - SIGNUP
Those of you with matched betting experience will know that it is important to opt in to all marketing channels in order to receive reload offers. With these sites this is no exception, however DO NOT opt in upon signup. The reason for this is that when you next log in you will then be prompted to opt in to marketing with the reward of a ‘box bonanza’. These box bonanzas are an important part of the sign up, and I will explain them in more detail later, but in essence they are free cash. For opting in you will likely receive between 40p and £2.
STEP TWO - £10 wager.
There are two options for this. Low stake spins on slots, or low risk wagering on blackjack. I approach this offer by doing 20p spins on either Sausage Party, King Kong Cash or The Goonies. The reason for this slot choice is because they are medium variance with a 96+ percent RTP. The likelihood is that across the 6 sites you will be up on a few and potentially down on a few, but the bonus of wagering on slots is that there is a chance of hitting larger profits if you hit a nice bonus within your 300 spins across the sites. Alternatively you can wager the £10 on blackjack using this strategy, which won’t have any chance of ‘winning big’ but will leave you with maximum retention of your deposit.
STEP THREE - 30 free spins.
There is no strategy for these, just play them and enjoy any winnings.
STEP FOUR - Box bonanzas
Now is the stage where many think this welcome offer is over, but the reason I recommend these sites so highly is because of their extended welcome offer. I previously mentioned box bonanzas, and we will earn another on every site when we wager £5 for the next two days on each website. This box bonanza tends to be valued anywhere from £5 to £20, and is where a majority of the value of the offer lies.
As mentioned before there are two approaches to wagering, but the reason I prefer slots (particularly for this offer specifically) is because in total we will wager £20 per site. (£10 for the initial sign up, 2 x £5 for the bonanzas). This means 100 spins per site at 20p, and 600 spins in total. The odds are in your favour to hit multiple bonuses and features during this time, and if you do lose money in the slots you will earn it back through the bonanzas.
I’ve never lost money on this sign up, and it can be a great way to build funds to start low risk casino offers, which have humongous potential. I’ve completed a ton of offers and am thousands up, so I cannot recommend this side of matched betting enough.
PM me or comment if you have any questions

Hi all
When I was 24 in 2006/07, I grinded a $50 deposit into playing NL200 and NL400 (i.e. 1/2 and 2/4 blinds), mostly on absolute poker, while I was at university. Obviously there are massive amounts of stories more impressive than mine, I thought some might get a kick out of what the games were like then vs now, and a few other thoughts.
Why I started again in 2020
I was a bit bored in lockdown but really enjoyed playing poker with friends over work (on a free site with video calls, with settling up $ after) so downloaded some poker clients to see what the games were like nowadays.
I ended up getting into it, signing up for upswing for 1 month and then RIO for 1 month (both good, but as you'll see below, probably not worth it given the state of the games).
I started in 2020 with a $150 deposit, and after ~70k hands it's sitting at $1300.
But the games are tough. I mean: insane. If you can't bet 25NL - don't feel bad. 25NL now is like 600NL used to be in 2006 and I'm not kidding. It's f'ing ridiculous. In 2006 if someone 3bet they had AK, AA, KK, or were a maniac.
I watched hours of upswing and RIO, and I can't believe the level these guys are teaching at. Literally no one was talking about blockers in 2006 at midstakes. Like, if someone had said I should vary call/bluff based on the fact that my hand held a busted flush draw I would have thought they were some weirdo ASD rainman. People probably did that at high stakes but they didn't talk about it.
Now, people seriously raise the question of whether the NL500 zoom is the toughest game on the planet, and it probably is! That is crazy! I was shit compared to good players, and I beat NL400 (non-zoom admittedly), for higher rates than the all but the very best players seem to beat NL500z!
Games in 2006/07
Let's talk about winrates. We used to measure winrates in "pokertracker big bets", which were 2x blinds. So if you played NL400 (I did), beat the game for 4ptbb/100 (I did), before rakeback (which I also got at ~50% on absolutepoker (lol) with bonuses + rakeback when rake was lower than it is now (!)), it meant that pre-rakeback I was winning at what people call 8bb/100 now. And then I got prolly 1.5bb/100 from rakeback as well.
I don't have my old pt database, but I have a saved old forum post when I "retired" (finished university, had 3 breakeven months at the 2007 games (lol), and got a professional job).
Over the 2 years I played an average of 14 hours a week, and won (with rakeback and bonuses) a total of $99 400 USD, for an average of $68 USD per hour.
Anyone remember that guy EMPIREMAKER2 or whatever his name was? Dude had played 100k hands at something like a 7ptbb/100 winrate (that is, 14bb/100) at NL$1000. Sure run hot but come on!
Games in 2020 and why it doesn't make sense to start poker now
Let's say the high point of poker for all but the very very best is the NL500zoom game. Let's say you can get 1k hands in per hour, and with bonuses, your winrate is 2bb/100. From my understanding, this is a very solid winrate at this game. That is 2 x 5 x 10 = $100 USD per hour.
That is pathetic. You would have to have immense natural talent, insane dedication, and huge grinding to build a massive bankroll to be rolled for it, and your reward is $100USD per hour?
Reality check: by the time you get to NL500zoom, it's probably harder than it is now, and the new game will be NL200zoom. Maybe you beat that for 4bb/100, and now your hourly rate is $80USD/hour. And what about next year?
In 2006/07, people talked about the good old days of 2004. In 2011, they were talking about 2007. In 2014, they were talking about pre-black friday. Now people hark back to 2014.
In 2025 they'll be talking about how easy the games were in 2020. If they're not it's because widespread real-time solvers have actually destroyed the game and it's just not being played.
Look at Doug Polk. Dude is a legend but is struggling coming back playing NL400 HU(down 30 buyins?) to train for his match against DNegs.
Mikka Anttonen put it well when he said (here: https://www.youtube.com/watch?v=2POAdRI31vo) that it just doesn't make sense to start a poker career
Conclusion
I brokeven after bonuses/rakeback at my cashgames (NL10 to NL50) in 2020, but won a few MTTs which gave me all my profit. I'm not going to be playing any/much more online poker but I'll leave the money online in case I want to play some MTTs in a few weeks.
​
My suggestion:
- If you like poker as a hobby, softest online games are low stakes MTTs, so maybe fire up two of those if you're keen to play some poker.
- Seems like live poker is way easier. Home games are still fun.
- Cash games might be good for you if:

1. You live in a very poor country and incomes in the local economy are low AND
2. You are exceptionally smart and dedicated AND
3. You can't emigrate AND
4. You have exceptional mental strength/health and won't suffer the burnout all others would.

Anyway, hope this helps someone.

Any INTP knows the odds are against them all the time and that is enough to deter them. But I've always been a gambler. In middle school I got a multigame mini pool table, table tennis, and Roulette wheel and card table. My friends would come over and gamble money or things. My friend's mom disapproved and made him give me some stuff back (haha). I just didn't know I had to rake games to be "the house." In middle school the black kids taught white kids craps and we'd shoot for dollars. I still love a good dice game. We'd have them on payday after close a couple jobs ago. The shit talking is so much better than poker games.
In HS I gambled poker and chess a lot. My favorite poker game was played where everyone had 2.25g of shrooms in them. No poker faces and it didn't last that long. Not great at poker. I've gambled on Chess pretty successfully. Not great at Spades.
But I'm an INTP and Casinos aren't my thing. Rather gamble at pool at a dive bar.
That said I'm doing a lot of sports betting right now. I once read that a professional sports gambler only wins 55% of the time but they have advanced knowledge in props, parlays, hedging etc. I just figured at college and to a lesser extent pro football, I could pick the winner above 55% maybe even against against--the-spread. My favorite former gf was good at betting on the ponies because she was into horses and leased one, so she had similar inside knowledge as someone who's watched football for 25yrs
I put $150 deposit and got $165 because they passed some BTC savings onto me. First week I bet the full $165. I remember the bets too. $45 on Duke (Lost but beat the spread) Same with the $45 I put on S. Alabama. $45 on Coastal Carolina who won outright against Kansas $45. Because the house rakes the games I'd only win about $40 off each so that's $270. But I put a $30 parlay on all three winning and won $180. Turned $165 into $360 (not exact--change and some numbers were rounded). I qualified for a bonus $165 for betting everything. That's a cool $425.
I thought "Holy Shit I can just go pro" beginners luck. It was also right after I lost my job and I'm moving for a new one mid October. Back to my home city and old neighborhood. Pretty psyched really except moving is a hassle.
Two weeks ago lost $70. I thought that comes with the territory of a pro sports better. I broke even last week. This week I chose a new strategy and bet on 7 games instead of 3. Truth was I don't know a certain percentage. I know games I "know" but I only lost $60. It just feels worse because I went 1-6 instead of two weeks ago when I went 1-2. Plus I lose some change on the low probability parlays.
The problem is that I just dipped into my other $165 to bet on pro football. Put in a couple bets and a parlay. The winnings get transferred into my main account. I'm still up either $80 in my account (I can't cash in the "free money")
My floor is $200 because I wanna make at least $50 off this fun lil exercise but I see how addictive it is for the first time. I even sought out a Bitcoin chess gambling site mainly used by Africans but I don't play because either I'm not better at Chess than Nigerian Royalty or they use chess bots or both. It also was pretty obviously used for money laundering which is what the gambling sites are also used for. Now I'm betting on Sunday football. Not just Saturday.
I guess my cashout ceiling is a grand but I don't see that happening haha.
Point is that wk2 college football this year was like my first joint, the first time I mixed valium-codeine-and a belt of scotch at 14. The first time I painted something halfway decent under a bridge at 16. The first time I fucked a girl at 17. The first time I had an audience in stitches at 22 (standup). All very pleasurable and only relatively routinely done. Except maybe sex and drugs but they have other major downsides.
Hell when I learned to read at 8 I was attached to books my whole life but nobody thinks that's bad. Haha.
Do other people gamble?
I'm extraverted enough that if someone has dice on the street I'll shoot or if they have a chess game at a coffee shop. I'll bet $20.
Best in person bet was with a frenemy in my group who was the epitome of iamverysmart and everyone in my group thought he was a genius. I took $20 off him in front of everyone and he refused to try to win it back. Bad look for him.
I hope I can keep it just for fun. Any other INTP gamblers on here?
Edit: Forgot to mention I won $400+ in a $20 pool for the 2011 March Madness B-Ball tourney. I watched none of the regular season (like usual) but knew UConn was good but nobody picked them as they were a #3 seed. I didn't win most rounds either. Dumb luck. It's funny that I forgot because it was less recent than that grudge match against that guy I played chess against.

Hi guys. I stumbled upon a site that displayed all the licensed New Jersey bookmakers/casinos and their bonuses and I was mindblown. Stuff like $600 risk free bet with no wagering, casino bonuses up to $1000 with 10x wagering. I'm from the UK and we had such stuff like 15 years ago, now the norm here is more like bet 20 get a 20 miserable free bet and there isn't a casino bonus with less than 35x wagering. Is it too good to be truth over there in New Jersey? Do they payout without hassle if let's say you win 4 figures? How are the deposits since I know most US banks block gambling payments in and out? Do you often get emailed reload offers after you completed the sign up offer for example get back in our site and we'll match your next deposit up to $500, stuff like that? Honestly, compared to the UK betting/casino scene, the American bonuses look surreal, where's the catch? Also, about taxes, I know you have to pay like 25% but from my time talking to NJ bettors before, some of them told me there's ways to avoid paying tax on your winnings, what's the general rule of thumb here? I'm pretty interested because my best friend and his family moved to New Jersey 5 years ago and I told him about it, he said there would be no problem for me to bet with his ID if I decided I want to do it so if there aren't any catches to how amazing it looks over there, the only real problem would be the GeoLocation thing I found. None of the sites here demand that and you could even use simple technology like VPN if you're abroad and want to bet in the UK. It's probably impossible to spoof the GeoLoc over there, isn't it? My last question would be about the account verification, what is generally required to verify your account, we have to send stuff like ID + proof of address here and occasionally a selfie with ID. I read something about you guys needing to provide your social security numbers though, what's the thing there, every site demanding it? Someone told me its the last 4 digits only, I think my friend MIGHT be uncomfortable giving me his SSN and I for sure wouldn't pressure him to give me that.
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Lots of questions, thanks in advance to those who will decide to waste 5 minutes of their lives to answer haha.

ref | non-ref Use referral link for £5 bonus cashback
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One of the easiest ways to earn £50 cashback via TopCashback. Have previously posted but was over a month ago so hence the re-post.
Simply open/set up a new Betfair poker account, deposit and wager £10. Guaranteed £40 profit when the cashback comes through, though it may take some time for the cashback to become payable (Possibly months). You also might end up winning some money with your £10 deposit although this is not guaranteed. I managed to win £50 but I do have previous poker experience.
TopCashback states that this offer will end in 3 days but it seems to come round fairly often, so would be very surprised if it doesn't come back at some point.
As an added bonus Betfair casino also offers free spins fairly often which could earn you a couple of pounds over time. Having a Betfair account is also very useful if you are interested in getting in to match betting as you can access the Betfair Exchange to lay bets.
Please be Begambleaware and don't chase your losses.
Stay safe

So first start by saying I have "Real" Online work but it requires me to work about 30 mins a day... I work on this other stuff 8-10 hours a day and earn a full-time income alone from this stuff alone...
I'm not including any affiliate signs ups I get when I say earning a living from this
I highly advise you get a cheap Laptop to work on... You cant use your phone ( for the work stuff )
I would recommend something like a Thinkpad 430i, I'm pretty sure I bought one for £85 as I needed a cheap laptop for something else and its been solid
normally they come with dud batteries, You can find a replacement HERE
Appen | non-ref ( I will get $25 if you work I think its 100 hours )

• Payout Method - Payoneer
• Minimum payment - $5
• By far the best site in terms of pay for time, I highly recommend you sign up and apply for every project they have, I currently work 2 and from time to time they have one of task... You can get projects which pay $25-$30 an hour but most pay $14... You are paid monthly and you will normally agree to work 10 hours per week

Neevo

• Payout Method - Paypal
• Minimum Payment - £0.01
• They offer a lot of different Tasks some ranging from 0.04 to $3 per task Some can be completed Once or thousands of time - I highly Advise signing up for this site - Make sure you fill out your profile in full and make sure their emails are not going into your spam folder

Clickworker | non-Ref ( I will get 5 when you earn 10 )

• Payout Method - Paypal
• Minimum Payment - € 5
• The best way to make money on Clickworker is through UHRS - Once you have signed up, Click on Assessments on the top bar and take the test, This is the best way to earn on here. Some of the basic tasks without UHRS can also pay Decent sometimes.

Prolific.co

• Payout Method - Paypal
• Minimum Payment - £5
• By far (In my opinion) The best survey site in terms of consistent pay, Make sure your Profile is always at 100% ( I also always have a tab open with this so I can grab them right away)

Populus Live

• Payout Method - Cheque
• Minimum Payment - £50
• They pay by check once you reach £50 and its sent monthly, Normally they pay between £1-£4, I normally get 2-4 surveys per day I would say

GG2U $1 Bonus | non-ref ( No Bonus ) - I will get 5% of what you earn

• Payout Method - Paypal
• Minimum Payout - $7
• I do the $1 or $1.25 surveys

Timebucks(I think $1 bonus) | Non-Ref ( No Bonus ) - I will earn 15% of what you earn

• Payout Method - Bitcoin, Transferwise + Others
• Minimum Payout - $10, They pay every Thursday
• I would normally do the Yoursurveys .75 surveys here but they pay $1 on GG2U But I have had good luck with Revenuewall and Flapbuck surveys and some can pay pretty decent... The site looks terrible and they used to have Paypal but removed it... I use this only when I have nothing else to do... One of the things, I have had the most luck on here in terms of not getting DQ ( This was one of the first I started using )

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Panelbase - Sign up HERE ( Quidco £10 Bonus )| Non- Ref ( No Bonus ) - Quidco will pay you £0.80p to sign up and if you sign up through my link you will also get a £10 bonus on Quidco when you reach £5 cashback
Some decent surveys on here, I normally check and do them when they are over £1
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I mainly focus my time on Appen, If there is no work on Appen then I will see if there are tasks on Neevo if not then I move to the other sites... I only use the lower-paying survey sites when I have nothing else to do
I still do have something that guaranteed you money regardless, So even if I have a slow do saying this there is no pressure because my other work is there. This past week happen has been slow for me but I was able to smash out thousands of tasks on Neevo which made that up
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Here is also some good offers on a few different sites, They should be the highest paying for that offer
TopCashBack - REF (£5 BONUS ) | NON-REF( NO BONUS)
You will get the bonus once you reach £10 payable cashback
Once you have signed up, here are the offers
They also have a £15 Cashback on a Just Eat order of £15, Worth it for some free food
Betfair Poker - £50 Cashback for signing up and playing £10 of poker | £10 Spend
GiffGaff - £10 Cashback - Order and activate a new sim, The Cheapest package is £6
SearchLoto - £0.82 - Create your account, Make 25 Searched, and use Free Ticket.
Experian - £3 - Sign up for a new account
Graze - £2.47, Order your first box then cancel when it arrives
Totally Money - £2.10 - Make an account and get a free credit report
Tastecard - £3.30 - Free 2 Months trial
Booking buddy - 2p ( Can do 3x per day ) - Make a search.
Quidco - REF ( £10 Bonus ) | NON-REF ( NO BONUS )
Bonus is once you reach £5 cashback
Azimo - £25 Cashback - Make a Minimum Transfer of £151 ( Send the transfer to your other account )
Paddy Power Games £20 Cashback - Deposit and wager £10
Panelbase - £0.80p - Create an account and do a survey ( I highly recommend using this site )
Pick My Postcode - £.80p - Create an account.
booking buddy - 2p ( Can do 3x per day ) - Make a search.
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Swagbucks - REF ( Around £4 BONUS ) | NON-REF ( NO BONUS )
To get the £4 bonus you need to earn 300SB in your first month, Since the offers at the bottom I would do the two offers listed, Then make the rest up by doing 3/4 Surveys but other than this please do not waste your time on Swagbucks doing surveys, I only do them if to complete swago or if they are pretty high paying.
AyeT- CyberGhost VPN Free Trial - 54SB
Adgem - Norton VPN Free Trial - 63SB
100SB Bonus - Install the Swagbutton
Rise of Kingdoms - 4000SB - Get to hall Level 17
Lottoland - 1300SB - Click the offer and it will take you to the sign-up and will cost £1 ( Make sure auto-renewal isn't on )
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GG2U - REF( I think you get $1 Bonus ) | NON-REF ( No $1 if there is a bonus )
William hill ( Find this under Gaming Offers ) - Deposit £10 and wager £10 - Around £27 Back
Normally the Gala offers pay higher but none of them are available anywhere, Normally pay around £40, on TCB or Quidco but they have no offers right now for them
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Ysense - REF( Don't think there is a bonus |NON - REF
Click Offers, Then Offertory
Final Fantasy 100K Power - $10.16. I did this before and I spent £1 and completed really quickly, It was an XP reward I bought, It gave millions of Hero XP which gave enough power
I highly advise you don't waste time on this site doing surveys
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Lionbridge - Like happen but this is more strict and I also found Appen paid more for the Project I am on.
Teamwork- Like Appen and Lionbridge, I have done some work for them in the past everything was fine and paid on time.
Apple at Home Advisor - Work at home Advisor for Apple. Pretty sure they send you an iMac to work on tho I could be wrong
Pretty sure Amazon has remote work also. If you google a company and then "Remote" or at home, It should let you see if they have work
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I had these 3 on a list Its transcription work but Appen, Lionbridge, and Teamwork offer this and probably best going for them.
Rev
transcribeme
GoTranscript
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Sites/Apps that are legit + my thoughts on them
Swagbucks ( Around £4 Bonus ) | non-ref ( No Bonus )
I only do offers on here but I always check other sites before doing them to see if better paying elsewhere and I do swago when it comes up - Do not do surveys unless they are offering a few £ as they normally DQ - Only do Offers, Don't waste your time on anything else
Serpclix| non-ref
You install the plugin and it pops up with a task to search for a website... I barely use it but I would say its worth using for some extra cash ( Some users say £10-£30 a month on here )
Branded Surveys| non-ref
Had a few payouts, Too many DQ would avoid unless nothing else
Life Points
Had some decent paying surveys, But too many DQ.. I would personally avoid
Qmee ( 50p Bonus ) | non-ref ( No Bonus )
In my opinion, it's not worth the time, I do probably 1 or 2 surveys per week and I only touch the ones 75p + unless they take to long... I don't think you should focus anytime on it unless you have nothing else.
Ysense
Don't waste your time, I listed an offer for it above other than them offers.. Don't bother, People only want sign-ups to this cause they pay like 15% of earnings and I think around £5 when someone reached a certain amount
SliceThePie- Don't bother, Its clearly about 10p an hour
HoneyGain ($5 Bonus I think ) | Non- Ref ( No Bonus )
It uses your unused internet in the background, it's perfectly safe personally for me I've not had much luck but it comes down to location and how many devices you are using
20Cogs ( £20 Bonus on cashout ) | Non-ref ( No Bonus )
This is legit but most offers do pay better elsewhere and you need to hit 20 confirmed cogs before they payout, I have done offers on here and have my 20cogs pending but make sure you always check other sites to make sure you are getting the most amount of profit... I mostly do offers on here that I have not seen anywhere else.
PrizeRebel - Don't waste your time.
Microworkers - Can pay decent if you can rattle off some fast task but - Its a pain to get paid, Customer service pretty much ignores you and a lot of the jobs and links are sketchy as hell
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I know nothing about this stuff but you can also teach English online and get paid for it. You might need an ESL certificate. The pay is pretty decent if you can get work If this is something you are interested in I highly advise you do some research for it because its decent work
vipkid- Teach English to kids online, If you want to find more I would advise you to look through Reddit as a lot of users on here use this for work, There are more sites than just this that you can work for, I think they pay from $15-$25 per hour.
QKid- Same as vipkid teaching English online- I think this pays up to $20 per hour
gogokid- Teach English Online $14-25 per hour
There will be more sites than this but these are the ones I know of.
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Amazon FBA
I don't recommend you bring crap in from china there is enough of that,,, My advise would start small, Start by Buying stock from Supermarkets or other online retailers this is called retail arbitrage and then sending that in but make sure you are allowed to sell in that category, also if your going down the video game route that you sell Used video games and older back catalog titles as these hold higher profit margins than new stock, Lego, Toys, etc are good things to keep an eye out for you can also look for this sort of stuff on the Facebook market place
There is very little profit in new stock unless you can pick it up and most of the time you'd be selling at a loss because the big retailers can sell it for the price you buy it
Use Amazons courier ( they use ups) it's like £5 to send in a 15KG Box
Get the hang of it to figure out what works for YOU! Don't follow anyone on youtube and what they say to do... Of course, if you want to make serious money which you can do, You will need to get suppliers, etc but no one will tell you where to get these, and the ones found easily through google search will make you very little if any money using... Here is also some things I recommend using ( I use them or have used them )
Barcode Scanner ( I only use my PC so need scanner )
Barcode Scanner With Stand
Epson XP-3100
FBA Labels
Bags - I use a mixture of different one but these are fine for smaller things.
You don't need to buy the best printer or anything like that these work perfectly fine... You only need that stuff if you're doing thousands of labels per day
As I said before, Don't be scared to try this its actually pretty fun and can make good money just please people on youtube UK and US, Try it see what works for you
Also Amazon handmade but I still think Facebook is a great way to start selling handmade stuff ( if its quality )
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Gambling
First, I recommend you don't touch anything to do with this stuff if you have any mental health problems, feel lonely, etc this can ruin your life if you go off the deep end
Matched Betting - You can make good money from this and I think everyone should do it, It's not complicated once you get the hang of it but don't use Profit Accumulator or the other one that charges £17 a month, in my opinion, it isn't worth it ... You could use something like Team Profit to get the hang of it and then take the £1 profit accumulator trial then get more info from there but cancel before the £17 month
The more money you have to do this the more you're going to make, It can be pretty slow if you are starting with a low amount of money but when you're doing these, Make sure you check cashback sites or offerwalls to see if they will pay you for signing up
People promote PA because they have a good affiliate program
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Gambling CPA/RS
This is different and you need a website or social media platform, You would have deals with the casinos, Bookmakers, etc But the money, if you get it right, is absolutely ridiculous... This is why you see these guys on youtube spinning such high amount of cash on the casino, If you are good at building sites or have a boatload of cash to chuck at this
You would post them and when people sign up through your link you could be on CPA ( Cost per Acquisition ) RS= Revenue share, So you would get % of a player losses or you could be on a hybrid
This money is life-changing if you get it right but since there is so much cash it is not easy... These sites are spending 10s of thousands a month to be at the top search results.
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Cashback Websites
JoinHoney | non-ref - Saves you money by searching for coupon codes, I place a monthly order on a website and it saves me between 20-40 each time, Well worth installing when you shop online
TopCashBack (£5 Bonus ) | nonref ( No Bonus )
£5 Bonus once you reach £10 payable cashback, I listed some good deals at the top of the post ( Check yourself for more on the site ) Also can save money when shopping online
Quidco (£10 Bonus) |non-ref ( No bonus )
You get the £10 bonus once you reach £5 cashback, Same as top cashback... Some offers listed above and you can also get cashback shopping online
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My favorite Offer
Xendpay (£10 Bonus | non-ref( No bonus )
Sign up and Verify your account, Make a transfer of £100 and you will get £10 free.. You can just transfer the money to yourself but you will need an account that takes euros as you need to send £ to euro
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Before you sign up to an offer on this sub, Please check on cashback sites to see if they pay more than a ref link, Example is the Azimo link it has been posted on this sub on the past few days, You only get £10 from that but you will get £25 through Quidco + £10 bonus if you are new to the site
There is also a scam that's posted a lot on Reddit, They claim to pay you $25 to sign up then $25 per person you sign up, This is a scam they go by a few different names sites all look the same with the same fake payouts
I hope this helps someone out.

I tried using profitsquad's calculator but it's not working at the moment.
I'm doing Casino2020 deposit offer and wondering if it's worth it. It has a 100% match bonus up to £100, with an RTP of 96% and low variance with a bet size of £0.40.
Since it's a sticky bonus I assume it doesn't follow the normal formula for calculating EV as you need to put in a profit target but I don't really understand what that is nor how to use it to actually calculate the EV.

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Site	June 2020	July 2020
UserTesting	£23.43	£93.60
Matched Betting	£12.91	£-0.51
Prolific	£6.87	£21.71
PopulusLive	£50	£0
OnePoll	£0	£0
TopCashback	£0	£0
Qmee	£1.3	£0.15
Testable Minds	£0	£13.31
Roamler	£0	£3.25
Serpclix	£0	£0
One Off Studies	£0	£27.3
One Off Platforms	£0	£11
Total	£94.51	£166.81

Just so people know I run mine with my pay cycle for budgeting reasons, hence why this is a couple of days early. This is all cashed out, some of these sites still have some pending money in them
Usertesting is consistently my best earning site, with 12 website tests at $10/pop. It does help I'm on my laptop 9-5 every day and can pick one up pretty much whenever. Same to be said about Prolific, though I didn't make as much here.
Matched betting didn't go amazing for me this month, ending up basically breaking even. When you're doing reload offers you win some, you lose some.
I'm still waiting to get to the payment threshold on OnePoll. I've done it once so it's just £25 for me now. If you want a referral with a bonus send me your email.
TopCashback has stuff pending, hence why it's on this list. This has a big refer a friend on at the moment, you can get up to £10 I think so worth doing! (ref, bonus; non-ref, no bonus)
I'm not a huge fan of Qmee, I constantly get DSQ'd so I don't really bother. Some people get much better results than me though (ref, bonus; non-ref, no bonus)
Testable Minds is becoming a favourite of mine, plenty of interesting things. Shame about the small fee on PayPal payouts (ref, bonus, non-ref, no bonus)
Just got an invite to Roamler at the end of this month and only done 2 tasks so far hence the small payout. I'm not a fan of doing an announced visit, especially at the moment which is why it's been slow. I don't have an invite yet, will post when I do.
I've only just gotten started on Serpclix but looks like a phenomenal site, within 3 days I'm halfway to the payout threshold! (ref, bonus; non-ref, no bonus)
The One Off Study was a UCL Psychology study and paid out £27.30 for about 3 hours of my time. The one off platform was a Trading212 free share. If you sign up here and deposit £1 you'll get a free share up to £100 you can sell and withdraw (non-ref, no bonus).
Overall I'm pretty happy. I aim for £110.91/month, as this is currently the payment on my car. Also good to have a target to work for as well I think. So I'm £55.90 over this month, and that can go into savings.
If I'm missing any good sites please post down below (will use referral links to sign up to them as well!)

4/20/2020: I'm trying to keep this post updated, and trying to keep up with questions. Thanks everyone for helping answer questions in this post! Go team tax!
Stimulus Payment = Economic Impact Payment = EIP = Advanced 2020 Recovery Rebate

• Get My Payment and Non-Filer's Application are available at IRS.gov/EIP. Not sure which one to use? Here's a chart provided by the IRS.
• Having problems using Get My Payment? Here's the IRS Get My Payment FAQs.
• Check out the Economic Impact Payment Information Center for some Q&As about eligibility.
• Recipients of VA Benefits have been added to the list of people who do not need to file a tax return to receive automatic payments. Timing to be determined. IRS News Release 4/17/2020
• As a reminder, check IRS.gov/coronavirus for official IRS updates.
• Please do not call the IRS asking about stimulus payments aka Economic Impact Payments (EIPs). Nobody is there to answer the phone right now. There will be a special phone number available for EIP-specific questions; I will post that when it's available.

4/16/2020: There are a lot of issues with Get My Payment. If you are getting error messages, there are quite a few reasons why that's happening and the IRS is working to fix them. Here's an article from Washington Post that I'll try to excerpt below: Glitches prevent $1,200 stimulus checks from reaching millions of Americans.
4/15/2020 (afternoon PDT): Economic Impact Payment Information Center has been updated with some FAQs for the Get My Payment application, including error messages and questions about Direct Deposits. Get My Payment FAQs are now on a separate page (Updated 4/17/2020).
Also if the IRS attempted to direct deposit your payment to a closed account, then there's no option to update the bank account information. You will receive a paper check in the mail to the address the IRS has on file for you (usually the address on your last tax return unless you updated it).
The IRS clarified today that SSI recipients DO NOT NEED TO FILE a simple tax return unless they need to add qualifying children dependents. Automatic stimulus payments should be sent out by early May.
4/15/2020 (morning PDT): Get My Payment is now live, but you may have to wait a few minutes to get through. Also a lot of people are getting error messages - not sure if this is due to server overload or personal information not matching. My suggestion is you try again tomorrow.
To begin, you need your Social Security Number, Date of Birth, and Address and Zip Code from your most recently filed tax return.
If you get through and need to add your bank account information, you'll need your Adjusted Gross Income from your most recently filed tax return (Line 8b for 2019, Line 7 for 2018), the refund or amount owed from your latest filed tax return, and Bank account type, account and routing numbers.
See also this News Release: Treasury, IRS unveil online application to help with Economic Impact Payments; Get My Payment allows people to provide direct deposit information and gives payment date
Some issues noted:

• Make sure you type the address exactly as it appeared on your most recently filed tax return, either 2019 or 2018. If that doesn't work, try spelling out abbreviations, like "Street" instead of St.
• You may get timed out, or if you make three attempts that don't match you will have to wait until the next day to try again. Get My Payment is updated once daily, usually overnight, according to the IRS News Release.
• People who did not owe taxes or have a refund on their most recently filed tax returns are not able to get through the verification process. I believe this will affect everyone who filed a Stimulus-Only or Non-Filer tax return, either through the IRS or another tax software provider. (Added 4/17/2020)
• As suspected, there does not appear to be any way to update your direct deposit information if the IRS already sent a DD payment to you. If it was sent to a closed account, you most likely will have to wait 4-5 weeks for a paper check (if the timing is the same for a rejected tax refund). Update: This is addressed in the expanded FAQ in Economic Impact Payment Information Center.
• If you owed money for 2019 or 2018, it sounds like you need to enter your bank account information even if you already entered it to pay your taxes when you filed. Some people with this issue are receiving error messages for some reason.
• You should receive a notice in the mail within 2-3 weeks after your payment is sent. Save the notice for your 2020 tax return. There should also be contact information on this notice that you can call if you didn't receive your Economic Impact Payment (EIP) or if your EIP was not the amount you were expecting.

4/14/2020: IRS started sending payments out Saturday 4/11/2020. Many people should see the payments tomorrow in their bank account. A couple of things:

• Some people are not getting the full amount they were expecting. Why? Not clear - however within a couple of weeks you should receive a letter in the mail from the IRS. "The letter will provide information on how the payment was made and how to report any failure to receive the payment." - See the IRS EIP Info Center. You can try calling your Congress Representative's office if you are experiencing a financial hardship, but I don't believe the Taxpayer Advocate Service can help with EIP issues.
• Some people are reporting getting EIPs while their 2019 tax return is still processing. Good news! As a reminder, if you are experiencing a financial hardship because your regular tax return is still processing and you need your refund ASAP, contact your local Taxpayer Advocate Service and also call your Congress Representative's office.
• Still waiting to see what options will be available with the IRS Get My Payment application, expected April 17th.

4/10/2020:

• First payments anticipated to be sent Direct Deposit starting week of April 13th - IRS News Release
• Checks anticipated to be mailed starting April 24th starting with lowest-income taxpayers - Washington Post story
• IRS Non-Filers application available now - use this if you weren’t required to file a 2018 or 2019 federal income tax return and did not file a tax return for either year. FreeTaxUSA also has a Stimulus-Only Return option.
  • Social Security Retirement, SSDI, and Railroad Retirement and Survivor Benefits recipients do not need to use this application unless they want to include a qualifying dependent under the age of 17. Added 4/15/2020 - SSI recipients & VA beneficiaries are now included in the automatic payment group, but should still use the Non-Filer application to add qualifying children dependents.
  • Not sure if you have a filing requirement? See Do I need to file a tax return?
• IRS said yesterday they are currently unable to process individual paper tax returns. If you cannot e-file a return then you will likely be waiting a few months for a paper tax return to be processed. This includes amended returns.
• If your 2019 tax return is still processing for any reason, it sounds like you probably won't receive the stimulus payment until that return is finished processing. It's likely going to be awhile, sorry.
• I edited the post to try to make it easier to read. Nothing really new to update though.

IRS Links

• Economic Impact Payments site - Non-Filers & Get My Payment applications; added 4/10/2020
• Economic Impact Payment Information Center - added 4/8/2020
• Economic impact payments: What you need to know - Updated 4/2/2020

IMPORTANT NOTE: Stimulus payments will be available for the rest of 2020. It sounds like you do not need to wait until next year if you miss the first round of stimulus payments.
Update: File no later than October 15, 2020 to make sure you receive a stimulus payment this year, according to the IRS. (Revenue Procedure 2020-28)
NOTE that your tax return needs to be processed before you'll receive the payment. Normal processing time for an e-filed tax return is 2 - 3 weeks but if your identity or wage information needs to be verified it might take much longer.
We now return to the original post with updates:
The CARES Act (H.R. 748) has now been passed by Congress and signed by the President. Here are some Frequently Asked Questions (FAQs) and answers that I believe to be true based on the text of the bill, reliable news sources, and some educated guesses based on the stimulus payments sent out in 2008. Please let me know if I got anything wrong.
Link to section in the bill about 2020 Recovery Rebates (edited link 4/9/2020)
What is this?

• The stimulus payments are advanced tax credits being sent out. This is not a prepayment of your regular refund; it's an advance of a new tax credit created for this year. It is not taxable income. You do not need to adjust your paycheck withholding for this.
• The advance payments being sent out will be based on information from:
  • 2019 tax returns; or
  • 2018 tax returns if you didn't file in 2019; or
  • 2019 SSA-1099 & RRB-1099 information if you didn't file tax returns either year; or
  • Non-Filers can use the official IRS application (added 4/10/2020)
• It's likely if someone doesn't receive an advance payment now they will be able to claim the credit on their 2020 tax return as long as they are eligible for 2020. (Clarified 3/31/2020)
• It sounds like ADVANCE stimulus payments will continue to be sent out based on 2019 or 2018 tax returns filed throughout the rest of the year. See IRS News Release linked at the top of this post. (Clarified 3/31/2020)

How Much?

• Up to $1200 per adult and an additional amount up to $500 per qualifying child (a child under the age of 17 at the end of 2019).
• Parents of children born or adopted in 2020 should be eligible for the additional $500 qualifying child credit on their 2020 tax return, based on how the 2008 stimulus payments were structured.
• If you could have been claimed as a dependent for 2019, you are NOT ELIGIBLE at this time. See section below for more details about dependents.

Who will get the ADVANCE stimulus payments?

• Taxpayers who filed tax returns in 2019 and/or 2018 and meet the eligibility criteria, and/or who received Forms SSA-1099 or RRB-1099 for 2019. If you could have been claimed as a dependent for 2018 and 2019, you are NOT ELIGIBLE at this time. See section below for more details about dependents. (Clarified 3/31/2020)
• Social Security retirement and disability recipients do not have to file a tax return to receive the stimulus payments. This applies to recipients of Forms SSA-1099 and RRB-1099. However you can use the IRS Non-Filers application to add a qualifying child dependent if you didn't include them on a recent tax return. (Updated 4/10/2020)
• Everyone else who does not have a filing requirement should use the IRS Non-Filers application to register for the stimulus payment.
• It sounds like stimulus payments will continue to be sent out based on 2019 or 2018 tax returns filed throughout the rest of the year. See IRS News Release linked at the top of this post. (Added 3/30/2020)
• If you didn't file 2018 or 2019 and you have a filing requirement, try to e-file your 2019 return ASAP using the IRS Free File program, MyFreeTaxes.com, or FreeTaxUSA.com. If you need assistance, try GetYourRefund.Org, a site where you can upload your information and IRS-Certified volunteers help prepare your taxes. (Clarified 4/9/2020)
• If you just e-filed or mailed in a 2018 or 2019 tax return, you should receive your stimulus payment that you are eligible for once that return is processed. (Added 3/31/2020)

Who is eligible?

• US Taxpayers with valid Social Security numbers with Adjusted Gross Income (AGI) below amounts specified in the bill, including US Taxpayers living overseas. See AGI amounts below.
• Anyone who qualified as a dependent for 2019 is NOT ELIGIBLE for the advance payments. More information below.
• If you are eligible but haven't filed a tax return for 2018 or 2019, you need to submit a 2019 tax return or use the IRS Non-Filers application to get an advance payment this year unless you received a SSA-1099 or RRB-1099 for 2019. (Updated 4/10/2020)

When will payments be sent out?

• Direct deposit payments will begin April 9th week of April 13th? IRS News Release 4/10/2020
• Paper checks will be mailed starting April 24th. Current plan is to send weekly batches starting with lowest AGI first according to WaPo:
  • AGI under $10,000 starting April 24
  • AGI under $20,000 starting May 1
  • AGI under $30,000 starting May 8
  • AGI under $40,000 starting May 15
  • Every week add $10,000 to AGI threshold
  • September 11, 2020 is est. date for paper checks to be sent to people who did not have tax information on file earlier and/or who need to apply for checks. (Added 4/3/2020)
• Just to compare, in 2008 it took about 8 weeks for taxpayers to receive stimulus payments. Taxpayers with accurate direct deposit information on file should receive payments first; it most likely will take 4-5 weeks after that for paper checks to be mailed out. Waiting for official IRS statement on timelines. (Added 3/30/2020)

What AGI Qualifies?

• Married Filing Joint (MFJ) taxpayers: Adjusted Gross Income (AGI) up to $150,000
• Head of Household (HOH) taxpayers: AGI up to $112,500
• Single / Married Filing Separately (MFS) taxpayers: AGI up to $75,000
• UNCLEAR: What about Qualified Widow(er) Filing Status? Probably same as MFJ?

What is the Phaseout Range for AGI?
For those of you who want to calculate it, the phaseout is 5% by the amount you income is over the AGI limits above. The phaseout range grows by $10,000 per qualifying child. There are also online stimulus check calculators.

• MFJ AGI $150,001 – $198,000 (with no qualifying children under age 17)
• MFJ AGI $150,001 – $208,000 (with one qualifying child)
• HOH AGI $112,501 – $136,500 (with no qualifying children under age 17)
• HOH AGI $112,501 – $146,500 (with one qualifying child)
• Single / MFS AGI $75,001 – $99,000 (with no qualifying children under age 17)
• Single / MFS AGI $75,001 – $109,000 (with one qualifying child)

What if I had a baby / adopted a child this year?

• You won't receive any stimulus for your child now, but you should be able to claim an additional $500 credit on your 2020 tax return. (Updated 4/10/2020)

What if I alternate custody of my child with another person every year?

• UNCLEAR. It's likely the parent/taxpayer who claimed the child and filed a tax return for 2019 will receive the $500; if nobody claimed the child yet for 2019, the taxpayer who claimed them in 2018 will likely receive the $500. I believe the credit will be limited to $500 total per qualifying child, based on the precedent of "no double-dipping." (Clarified 3/31/2020)

Who is NOT eligible at all?

• Anyone who COULD be claimed as a dependent for the tax years in question (see Overview of the Rules for Claiming a Dependent and Worksheet for Determining Support) even if you weren't actually claimed by another taxpayer.
• Anyone who doesn't have a valid Social Security Number (SSN)
• You filed Form 1040-NR or Form 1040NR-EZ, Form 1040-PR or Form 1040-SS for 2019. (Added 4/8/2020 from IRS information)
• Nonresident aliens (UNCLEAR as of 4/2/2020)
• DACA Recipients without SSNs (UNCLEAR as of 4/2/2020)
• Undocumented immigrants
• Anyone with an ITIN instead of SSN, unless their spouse is a current member of the Armed Forces
• Estates and Trusts

What if I was claimed as a dependent for 2018 & 2019 but I will not be a dependent for 2020?

• You should be eligible for a tax credit on your 2020 tax return. (Edited 3/31/2020)

Should I amend my 2019 tax return to say I was not a dependent?

• First, MAKE SURE YOU DID NOT QUALIFY TO BE CLAIMED AS A DEPENDENT in 2019. You can qualify to be claimed as a dependent at ANY AGE if you did not pay more than 1/2 your basic living expenses yourself. Also note that it does not matter if anyone claimed you; it's whether COULD be claimed by another taxpayer. See Overview of the Rules for Claiming a Dependent and Worksheet for Determining Support for more details.
• Second, are you sure you didn't qualify to be claimed as a dependent for 2019 based on IRS guidelines? Filing a fraudulent tax return just to get the stimulus payment is probably going to result in you having to repay the stimulus payment plus penalties and interest.
• Third, amended tax returns have to be mailed to the IRS. They usually take about 4 months to be processed, but IRS is currently unable to process individual paper tax returns. Once the amended return is processed you should receive a stimulus payment but it could take months. (Updated 4/10/2020)

What if I didn’t file tax returns for either years?

• If you have a filing requirement, e-file your 2019 tax return if you have everything you need to file a complete & correct tax return. E-filed tax returns usually take about 2-3 weeks to be processed; once your tax return is processed, you should receive an stimulus payment. (Clarified 4/1/2020)
• If you did not have a filing requirement, use the IRS Non-Filers application. Not necessary if you received a SSA-1099 or RRB-1099 for 2019 unless you want to add a qualifying child dependent.
• HOW TO FILE a tax return: Try IRS Free File options first; if you don't qualify based on income, try FreeTaxUSA. If you need assistance, try GetYourRefund.Org, a site where you can upload your information and IRS-Certified volunteers help prepare your taxes. Your 2019 income needs to be less than $66,000. (Edited 4/1/2020)
• 2018 can be e-filed if you go through a tax professional with that capability. If you usually file on your own, FreeTaxUSA is probably your best bet but that tax return will need to be printed out and mailed to the IRS. Processing times for paper tax returns are normally 3 – 4 months but the IRS is not processing individual paper tax returns as of April 9th. (Updated 4/10/2020)

What if I didn't have taxable income for 2019?

• Use the IRS Non-Filers application unless:
  • You received a 1095-A and/or subsidy for health insurance through the marketplace. You have a filing requirement.
  • You worked under the table and/or did some random jobs paid in cash; if your income was at least $400 in 2019 you have a filing requirement. This is reported as Self-Employment income - you can use any of the options on the IRS Free File site to report this.

What if I need to update my mailing address and/or direct deposit information with the IRS? Please DO NOT CALL the IRS at this time.

• You can file Form 8822 to update your mailing address with the IRS.
• Website for taxpayers to add direct deposit information estimated to be available by April 17th. IRS News Release 4/10/2020

To help everyone check on the status of their payments, the IRS is building a second new tool expected to be available for use by April 17. Get My Payment will provide people with the status of their payment, including the date their payment is scheduled to be deposited into their bank account or mailed to them.
An additional feature on Get My Payment will allow eligible people a chance to provide their bank account information so they can receive their payment more quickly rather than waiting for a paper check. This feature will be unavailable if the Economic Impact Payment has already been scheduled for delivery.

• NOTE: This does not say you can UPDATE your direct deposit information, only that you can ADD it if you didn't include it on your tax return.
• If you received your refund through a third-party processor like Santa Barbara Tax Products Group, had tax preparation fees deducted from your refund, and/or had your refund loaded onto a prepaid debit card please check with the company you used for more information.

What if I owe back taxes?

• You are in luck, this exception was included in the bill & you should still get a stimulus check. This applies to federal and state tax debts.

What if my student loan is in default?

• You are in luck, this exception was included in the bill & you should still get a stimulus check.

What if I owe unemployment compensation debt? (Added 3/28/2020)

• You are in luck, this exception was included in the bill & you should still get a stimulus check.

What if I owe child support?

• You are NOT in luck, any taxpayers with past due child support reported to the Treasury Department will not be receiving a stimulus check if the amount owed is larger than the stimulus payment. There may be relief for MFJ taxpayers who filed Form 8379 with their recent tax returns. https://www.irs.gov/forms-pubs/about-form-8379

What if I don’t get a stimulus payment and I really need the money? This SUCKS.

• That does suck, and the only advice I can give is to contact your senators and representative to let them know. In addition, there is expanded unemployment assistance available, including to people who normally don’t qualify like self-employed taxpayers.

What if I have other questions? Should I call the IRS?
Feel free to ask questions below, and/or check https://www.irs.gov/coronavirus, but DO NOT CALL the IRS at this time.
Some added FAQ:
What if I receive the stimulus payment but don't qualify for it?

• "Except in cases of fraud or reckless neglect" you shouldn't have to pay back any portion of the stimulus payment on your 2020 tax return if you don't qualify based on 2020 AGI. But if a taxpayer who should be claimed as a dependent files a 2019 tax return as independent in order to receive the stimulus payment - would they have to pay it back? Or only if they are a dependent in 2020?

Is this going to make my taxes go up, or my refund be less next year?

• NO, this payment is not taxable income, and it's not coming out of your regular tax refund. There will most likely be a worksheet on the 2020 tax return but you shouldn't have to pay back any of the stimulus payment "except in cases of fraud or reckless neglect" as written in the bill.

BONUS Historical IRS Links (added 3/31/2020)

• 2008 Economic Stimulus Payment Information Center
• 2008 Recovery Rebate Credit Information Center

Again, corrections / updates appreciated! Updated 4/20/2020

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