Currency Trades:

You'll hear a lot about Currency trades too, where people bet on a pair of currencies and depending on what direction the currencies move, you make/lose money.

Currency Basics:

Currency Pair: A currency pair is the quotation of two different currencies, with the value of one currency being quoted against the other. The first listed currency of a currency pair is called the base currency, and the second currency is called the quote currency. It indicates how much of the quote currency is needed to purchase one unit of the base currency.

Ex: 80 USD/INR = 80 => This implies that 80 INR (quote currency) is needed to buy 1 USD (base currency).

The US dollar (USD) is often used as the base currency because it is considered the world's primary reserve currency. So, most FX quotes are written as USD/<Quote_currency>. The value quoted is > 1 for most currencies as you need more of the other country's currency to buy 1 USD. That makes it easy to quote, as 0.012 doesn't sound good in quoting (if quoting was done in INR/USD). Notable exceptions are USD/GBP,  USD/EURO which are slightly < 1 as of 2024.

The EUR/USD currency pair is considered the most liquid currency pair in the world. NOTE: it's not in the conventional USD/EUR form, with USD being the base currency. This is how it was done historically. The USD/JPY is the second most popular currency pair in the world.

Forex Market:

Forex market is where these currency pairs are traded.

 

 

Deals: Here I'll put some of the deals that are FREE or I believe are worth my money. Most of the deals will have links from slickdeals,.net since that is where I find the deals from wink

 

NEVER EXPIRES: STOCK MARKET Offer cool

Buying all stocks in USA stock market is an ongoing deal that is valid each and every day. Why is it a deal? Because, the USA stock market will always go up (thanks to FED who have guaranteed the market with unlimited money printing, and who have openly expressed their desire to buy equities directly, meaning equities won't be allowed to go down with their vast power of illegal money printing), and since it's impossible to buy the market at the market top at any given time (since there's only 1 trade that can happen at the market top, and out of so many trades happening, the probability of yours being that one is ZERO), you are always buying it below the market top. As such, you are getting a discount from market top. And since there's always going to be a new market top in near future guaranteed by the FED, you are always getting discounted price. YAY TO FED FOR ALL THE FREE MONEY TO ALL THE RICH PEOPLE !!! For more details, look up in stock market section.

Now to mortal offers cry

 

Here are the deals from 2025. For deals from 2024, go to DEALS 2024

Deals starting from November till New year (aka Black Friday deals) for 2024 are also under regular Deals link shown above.

I've sticky deals and regular deals. Regular deals are posted below which are offered just one time. Sticky deals have separate section of their own, as they refer to deals which are offered multiple times a year.

 


 

Bank and Brokerage Deals (updated 2025):

 

01/01/2025: All bank and Brokerage bonus deals from 2025 onwards have been moved to "Sticky Deals" section

 


 

 

Previous unexpired/extended bank/brokerage deals from 2024 and before: 

 

 


 

10/28/2023: Robinhood (RH) Brokerage Offer of 1% bonus on total assets transferred  (3% bonus on IRA transfers) - expires Dec 8, 2023 expires Apr 30, 2024 (1% bonus offer extended to June 28, 2024)

Look in brokerage account bonus section for details of the offer: best brokerage bonus

 


 

10/20/2023: Chime - $245 $250 in SwagBucks for $200+ in direct deposit within 30 days (nationwide) => expires Oct 31, 2023 extended to Nov 30, 2023 Feb 29, 2024 Mar 31, 2024

Look in bank account bonus section for details of the offer: best bank bonus

UPDATE 03/18/2024: $10 bonus for tipping someone $10 or more. Valid 03/18/2024 - 03/20/2024. See above link for details

 


 

10/20/2023: TastyTrade (previously known as TastyWorks) Brokerage Bonus Offer of $2K for $100K+ - expires Mar 31, 2024. Ongoing as of July, 2024

Look in brokerage account bonus section for details of the offer: best brokerage bonus

 


 

10/01/2023: Wells Fargo - $325 for $1K+ in direct deposit within 90 days (nationwide) => expires Nov 13, 2023. extended to Jan 16, 2024 Apr 9, 2024

Look in bank account bonus section for details of the offer: best bank bonus

 


 

11/05/2023: Capital One - $1500 bonus for $100K+ in deposit in Savings account (nationwide) => expires Dec 6, 2023 => Still active as of 04/04/2024

Look in bank account bonus section for details of the offer: best bank bonus

 


 

 

 

Current Deals:

 

 

2025: 

 

 


 

12/26/2024: Costco ON whey protein for $49 (5 lb) in store => expires 01/20/2025

Look in "diets and supplements" under health section for details of the offer: diet and supplements

 

Cruise:

Cruise are one of the best kept secrets. You would think, cruises cost a lot of money. The reality is totally opposite. Infact on a per day cost basis, you can find cruises for < $100/day, which is cheaper than lodging, food and transportation cost of visiting any other place.

There are 3 big Cruise Companies in US => Carnival, Royal Caribbean and Norwegian Cruise. Link below shows their revenues and how these cruise companies exploit poor countries:

Economy of Cruise ships => https://getpocket.com/explore/item/the-economics-of-cruise-ships

Cruise are a great way to go to ports in Mexiso, Bahamas, etc. If you fly to these places, it will cost a ton of money. Cruises are lot cheaper with all your lodging, food and transportation taken care of.

For a cruise, you need to find out a port of departure and the port which you want to visit. Most cruises going to neighboring countries are round trip cruise. There are also 1 way cruise which take you to Europe. Those are lot more expensive, and you have to fly back on your own expense. I would adive to stick with round trip cruise. Below are top US Cruise ports of Departure

These are the top 15 cities which have cruise ports from where you can get cruises to places outside of USA => https://www.bts.gov/content/top-15-cruise-ship-ports-port-departure

The more busy a cruise port is, the more discounts you are going to find. Ports in Florida usually offer you the cheapest cruises. Top 3 spots are all taken by Florida ports (Fort Lauderdale/Miami and Port Canaveral) and account for > 50% of all cruise traffic in the US. Texas has Galveston as the only cruise port, while California has 4 ports (LA/Long Beach, San Diego and San Francisco). Lone port in NY, Seattle and New Orleans round up the top 10. I would suggest that you take a cruise from a port that you can drive too. That way you save money on plane tickets. Also, cruise trip itself is exhausting, so you don't want to get on a plane ride right after the cruise trip is done.

Ports of

 

Teeth

Teeth are important part, and preserving them till you die is vital. Teeth are not supposed to fall off in old age, as is usually told by our parents. They are designed to go with you to heaven. Protecting them is very easy, just brush properly, floss couple of times a week and see a dentist.

Here's the diagram for Adult teeth:

 

Adult teeth

 

Teeth phases (Dr Teeth) => https://www.youtube.com/watch?v=XNbzd6yqNbg

 

 

 

Atomic Bonds

So far we saw atoms in isolation. Atoms combine together to form molecules which take place via some chemical reaction. The individual atoms form bonds with other atoms, which makes these molecules. These bonds take energy to form, and hence will require energy to break them apart to release individual atoms. Atoms want to have full orbit (or 2 or 8 electrons in their outermost shell), so whatever reaction lets them achieve it, they go for it.

Before we learn Bonds, let's look at electronegativity.


 

Electronegativity (EN):

Electronegativity refers to the relative ability of an atom to attract it's electrons. An atom which has more +ve charge in nucleus (i.e more protons) will attract it's electrons stronger, meaning it's more electronegative. However, if the atom is bigger (due to higher Z), then electrons will be further out from protons, meaning the force is reduced (as 1/R^2). So, based on this Fluorine is arbitrarily assigned EN=4, which is the highest in periodic table. EN increases as we go from left to right in a row, and decreases as we go from top to bottom in a column. Lowest EN is for Caesium=0.8, with Hydrogen's EN=2.2

Link => https://chem.libretexts.org/Bookshelves/Physical_and_Theoretical_Chemistry_Textbook_Maps/Supplemental_Modules_(Physical_and_Theoretical_Chemistry)/Physical_Properties_of_Matter/Atomic_and_Molecular_Properties/Electronegativity

So, based on EN trend, elements which are in the diagonal line going from top left to bottom right, have almost same EN< which results in many of their chemical properties being very similar. Since no 2 dif atoms have same EN, if bonds are formed b/w the, the more EN element wil attract the electrons more than the less EN element does.

As it is usually calculated, electronegativity is not a property of an atom alone, but rather a property of an atom in a molecule. Even so, the electronegativity of an atom is strongly correlated with the 1st IE (read in IE in periodic table section).

 


 

There are 2 kind of Bonds that exist b/w atoms. One is the bond that exist within a molecule b/w diff atoms of a molecule, and other is the one that exists b/w atoms of different molecules of same compound.

Intramolecular Bonds:

Intramolecular forces are the forces that hold atoms together within a molecule. They are responsible for forming intramolecular bonds.

There are 3 different kinds of intramolecular bonds:

1. Ionic Bond: These are bonds that are formed when one of the atoms loses electrons while other gains them, resulting in +ve and -ve ions, which are attracted to each other and form bonds. Atoms Ex: Na-Cl bond is ionic. Certain ions are referred to in physiology as electrolytes (including sodium, potassium, and calcium). These ions are necessary for nerve impulse conduction, muscle contractions and water balance.

2. Covalent Bond: These are bonds that are formed when the atoms share electrons b/w each other. Here electrons are shared equally b/w the 2 atoms involved to complete their outer shell (require 2 or 8, electrons depending on the outermost shell number, known as the octet rule). These bonds are usually formed b/w atoms of same element, i.e O atoms form covalent bond with each other to form O2. Similarly for H2 . Many bonds commonly found are covalent bonds.ex: H2O. Sharing of 1 electron results in 1 covalent bond, similarly 2 or 3 forms double or triple covalent bond. More the electrons shared, stronger the bond is. Ideally there shouldn't be any charge on any atom as they didn't give or take any charge. 2 types of covalent Bonds exist:

  1. Non Polar Covalent Bonds: What we know from EN is that, no 2 elements have same EN. When same elements forms bond as in H, the electrons will be right in middle of the bond, and no H atom has more force over these shared electrons. These bonds are called non polar covalent bonds (or pure covalent bonds). Thesebonds are also formed b/w atoms of different elements when their EN is very close to each other.
  2. Polar Covalent Bonds: Most atoms have different EN. When bonds are between diff atoms as in HCl, then the more EN atom will pull electrons closer to it than less EN one. Here Cl is more EN, so it gets shared electrons closer to itself, resulting in slightly -ve charge on Cl and slightly +ve on H. These kind of covalent bonds are polar, since they have developed a charge separation due to EN. Similar is the case for H2O where H has slight +ve charge and O has slight -ve charge. Non polar Covalent bonds have no charge develop as in O2. If the EN diff is too big, the electrons may get so much closer to more EN atom, that the bond doesn't look like covalent bond, but rather an ionic bond. So, an ionic bond is just a highly polar covalent bond. Thus there is no clear cut separartion b/w Ionic and Covalent bond. They are the same bond, but when charge separation is too large, we refer the covalent bond as ionic bond.

3. Metallic Bond: This is a type of covalent bond that specifically occurs between atoms of metals, in which the valence electrons are free to move through the lattice. This bond is formed via the attraction of the mobile electrons—referred to as sea of electrons—and the fixed positively charged metal ions. Metallic bonds are present in samples of pure elemental metals, such as gold or aluminum, or alloys, like brass or bronze.

These are the 3 rules of these bonds:

  • No electronegativity difference between two atoms leads to a pure non-polar covalent bond. Ex: CH4 .
  • A small electronegativity difference leads to a polar covalent bond. Ex: H2O
  • A large electronegativity difference leads to an ionic bond.Ex: NaCl

Metallic bond is the strongest, followed by Ionic, then polar covalent bond, and lastly non polar covalent bond.

 

Intermolecular Bonds:

Intermolecular forces are forces that exist between molecules. They are responsible for forming intermolecular bonds. They are much weaker than intramolecular bonds. They are important because they determine the physical properties of molecules like their boiling point, melting point, density, and enthalpies of fusion and vaporization.

Intermolecular forces: https://chem.libretexts.org/Bookshelves/General_Chemistry/Map%3A_Chemistry_-_The_Central_Science_(Brown_et_al.)/11%3A_Liquids_and_Intermolecular_Forces/11.02%3A_Intermolecular_Forces

Weak Bonds: What we saw above are strong bonds. We can also have weak bonds, which are not chemical bonds, but they are formed b/w +ve side charge of an individual molecule to -ve side charge of different molecule of same compound. These are important as they determine the phase of the compound (solid, liquid, etc), as well as within same phase, they may hold molecules close together to give them desired proporties. These are also referred as Van der Walls forces. 2 kinds of weak bonds:

  1. Hydrogen Bond: This is a a bond that is usually b/w +ve charged H atom and another -ve charged atom.  This bond forms due to EN diff b/w the 2 diff atoms that form the molecule. Water is one of the ex of H bond.
    1. In general, these are the requirements for a H bond:
      1. A polar covalent bond needs to exist b/w H atom and a highly EN atom as N(2p3), O(2p4), and F(2p5), These are the only 3 that have large EN difference to form a highly polar bond.
      2. There should be at least one active lone pair of electrons available in highly EN atom. Lone pairs at the 2-level have electrons contained in a relatively small volume of space, resulting in a high negative charge density.
    2. Once these 2 conditions are satisfied, a bond starts forming b/w lone pair of electrons in 1 molecule which is highly EN with highly positive hydrogen atoms of another molecule. This bond has 1/10 the strength of an avg covalent bond, so it is strong enough to change properties of that molecule.
    3. NH3, H2O and HF are 3 examples of compounds which form strong enough H bonds that their boiling points are lot higher, compared to what is expected in the absence of H bond.
      1. Water is the perfect ex of how H bond causes higher boiling pt. There are 2 pair of lone electrons available on Oxygen to form 2 H bonds with neighboring Hydrogen atoms of another molecule. Even though H2O has covalent bonds and hydrogen and oxygen atoms share their electrons, they end up developing a polarity due to higher electronegativity of oxygen compared to hydrogen. Oxygen ends up getting a slightly negative charge, while hydrogen a slightly positive charge. This allows different molecules of H2O to form a lattice structure with -ve polarity of oxygen of 1 molecule forming polar bonds with +ve polarity of hydrogen atoms of another molecule. These bonds are called Hydrogen bonds (and NOT polar bonds). When temperature are low, the vibrational energy of each molecule is very low, and not enough to break these hydrogen bonds between hydrogen and oxygen of different molecules. This makes it a solid, where the molecules can't slide past each other. But as temperature rises, the vibrational energy of each molecule increases, causing these hydrogen bonds to get weaker to a point where the molecules can slide past each other. This forms a liquid. If we keep on increasing the temperature, these hydrogen bonds break completely free, and different molecules become independent of each other. This forms the vapor or gas state. This video from Khan Academy explains it => https://www.khanacademy.org/science/chemistry/states-of-matter-and-intermolecular-forces/states-of-matter/v/states-of-matter
  2.  London dispersion forces : Like hydrogen bonds, London dispersion forces are weak attractions between molecules. However, unlike hydrogen bonds, they can occur between atoms or molecules of any kind, and they depend on temporary imbalances in electron distribution.