https://3speak.tv/watch?v=scottcbusiness/slqikqxl
Doing your taxes normally can be very overwhelming and when you bring crypto into the mix, it can get much more confusing. To avoid that confusion, I go through 9 reporting software services and then share with you what I found to be the best and the cheapest.

The main features you want to look for are:

Top 3 Tax Reporting Platforms:

These other platforms I reviewed:

What are your thoughts on taxes? Are you overwhelmed by crypto taxes? Did this help? Let me know what you think about this in the comments below and don’t forget to subscribe!

Disclaimer: This is not financial advice and is purely for entertainment purposes. What you see, hear, or read is my personal opinion, and any statements made are based on my views and should not be misconstrued as fact. My crypto portfolio may or may not be simulated

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https://3speak.tv/watch?v=scottcbusiness/qbeaprzu
Here are the 11 blockchain social platforms I used to earn $100.13 CAD worth of crypto in September as well as some insights. I’ll be doing my investing & earnings reports all at the same time now.

This is my 546th episode/article. I put a great deal of work into this content so if you find it valuable, please do like, share, comment and subscribe!

Budgeting 2022 Spreadsheet Template Link: https://mega.nz/file/ATx3iAza#ZUhllHs4YZjMMjtC1FyN_Qhkkwmy-P98UxXqsVj8xS4 or https://bit.ly/templatebudgetting

My total alleged crypto social media income earnings are now up to just over $40,006 CAD not including crypto appreciation after originally receiving the payouts.

September Earnings:

The grand total came to $100.13 CAD which is about $73.10 USD.

September Amateur Investing Report:

September Amateur Investing Insights

What are your income goals? Are you using any of the platforms I shared above? Is this useful and or encouraging for you? Would you like to see these reports every single month to get a better insight into crypto social profitability? Let me know what you think about this in the comments below and don’t forget to subscribe!

Disclaimer: This is not financial advice and is purely for entertainment purposes. What you see, hear, or read is my personal opinion, and any statements made are based on my views and should not be misconstrued as fact. My crypto portfolio may or may not be simulated

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https://3speak.tv/watch?v=scottcbusiness/lyckvaza
Investing and saving are only 2 pieces of a larger puzzle to get ahead in 2022. Budgeting is a very important and overlooked strategy that most do not utilize. As the saying goes, you cannot improve what you do not track.

In 2020 about 35% of Americans had a budget, in 2022 only 32% do. Interestingly enough, this seems to correlate with the reports that estimate between 50-70% of Americans are struggling financially. While it’s more likely due to inflation, gas costs, and poor oversight from our governments, there is something to be said about personal accountability too.

Budgeting isn’t simply just about trying to be frugal. You can still spend poorly while tracking your expenses. The idea is that you can have a holistic view of your finances and know exactly what’s being spent where. Sometimes, it’s as simple as taking a look at your budget once a month and thinking about where you could cut down and how much that could help you out. You can move things around as needed and explore how much money you could save with different options. It also helps you keep track of things you may have forgotten about such as old subscriptions or services.

This is my 545th episode/article. I put a great deal of work into this content so if you find it valuable, please do like, share, comment and subscribe!

You can download the simple template version here and start following along: https://mega.nz/file/ATx3iAza#ZUhllHs4YZjMMjtC1FyN_Qhkkwmy-P98UxXqsVj8xS4 or https://bit.ly/templatebudgetting

In the video, I will explain how I budget by going through how I break everything out. It seems daunting at first, but if you keep a link to your budget on your phone you can easily update it daily, weekly, or at whatever frequency is easiest for you. I do it daily to make sure I don’t miss anything and so that it only takes a couple of minutes rather than dedicating a large chunk of time to it.

This is as far as you need to go if you simply intend to track your expenses and nothing more. However, if you want to improve your finances, save more, and ultimately live better, I suggest you finish the rest.

Once you’ve got everything set up, decide how much you intend to save from your income beyond what you need and adjust your budget accordingly. For example, I would like to save 50%, and previously I was saving close to 70%, but in 2022, I’ve only been saving about 25% of my income as I’ve been buying prepping gear amongst many other things like a car. I only just recently acquired a car and have lived with roommates the majority of my life. If you can do this in your twenties, you can save enough money to put yourself at a massive advantage. As the saying goes, you must be willing to live like dirt in order to put yourself in the position to live the way most never could. I intend to get that back up to at least 50% very soon.

Now, in order to save money, you can start spending some time each week or each month where you sit down and look at various expenses and try to see how much you’d save if you did something differently. This could be going out once less per week saving you gas, and money spent on food. This could be using a cheaper coffee or switching from Starbucks to homemade coffee. This could be switching to a cheaper insurance, canceling a subscription, or negotiating cheaper internet service. Whatever method you try, it's easy to plug in numbers and see how it will affect your overall monthly expenses. Then with that number, you know how much more you could invest. So not only are you saving money, but you’re making money. Maybe you do want some extra money for nights out, but I’d recommend saving it for a good purpose or investing it rather than just spending it elsewhere because then you’re still in the same problem of trying to find extra money to set aside for investing.

Most people don’t budget because they don’t see it as something important they should do, but they also have no idea how much they spend on a regular basis, and when you don’t know how much money you need, you don’t know how much you can set aside for investing or whatever else you need to do. Knowledge is power, and if you don’t know enough about your own finances, how will you improve?

Do you invest? Do you budget? What are some financial tips you use to save? Let me know what you think about this in the comments below and don’t forget to subscribe!

Disclaimer: This is not financial advice and is purely for entertainment purposes. What you see, hear, or read is my personal opinion, and any statements made are based on my views and should not be misconstrued as fact. My crypto portfolio may or may not be simulated

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https://3speak.tv/watch?v=scottcbusiness/ifzfervj
Centralization is always a concern, but how do you stop it in crypto if it means mass adoption? The only tool we have is education. Let’s talk about the many ways the crypto industry is being centralized and what to do instead.

This is my 544th episode/article. I put a great deal of work into this content so if you find it valuable, please do like, share, comment and subscribe!

Let’s cover all the important crypto news happening lately and over 2022 to get a better view of the increasing acceleration of centralization within the crypto industry.

I believe this will likely be bullish for cryptocurrency in the short term, but in the long term, it will lead more people astray who opt for convenience over security and true ownership which is giving up quite a lot. Our job now is to educate people on why you need to do the extra work of trading crypto where you can withdraw and store it on a wallet that you solely have access to and own.

Stop leaving your crypto on exchanges and platforms. Avoid the temptation to get a crypto VISA or connect to your bank and provide KYC for everything. Even just linking your social accounts to your wallets for NFT clout is another easy way to subtly achieve a “KYC-lite”. Soon you’ll have to also avoid the temptation to buy it with your bank.

Do you see this as a large problem too? Is KYC as bad as I believe? Is this good or bad for crypto in the long run? Let me know what you think about this in the comments below and don’t forget to subscribe!

Disclaimer: This is not financial advice and is purely for entertainment purposes. What you see, hear, or read is my personal opinion, and any statements made are based on my views and should not be misconstrued as fact. My crypto portfolio may or may not be simulated

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https://3speak.tv/watch?v=scottcbusiness/xkvfnvkq
This is my sixth comprehensive review of blockchain social media platforms meant to give you the most thorough resource and reference for finding the next best platforms to use! In this review, I cover about 223 social media platforms that either are integrated with a blockchain to some degree, have crypto-monetized rewards, or at the very least promote free speech and are distributed or decentralized in some way.

This review below will mainly attempt to focus on cryptocurrency-monetized and blockchain-integrated social media platforms.

Due to the length of this being about 17,000 words spanning 35 pages in a word document most blogs cannot support all of it. I had to cut a lot out for this. If you really want to see the full 35-page review even just for reference to the links for every website you can download or view the PDF listed below online.

Content Hosting Links:

Video Timestamps:

Dapp Directories:

App.co - https://app.co/

The Review:

In the video itself, I go through some of the main recommendations I give and the platforms that I am currently using. I only go through some brief examples of ones not recommended for sake of time and to give some insight as to how I came to my decisions.

My final disclaimer is that I am here to share my recommendations and recommendations against them. I will not be explaining how every platform works or giving solutions to their problems.

Tertiary Recommendations (4):

If you have extra time to post somewhere, you might as well sign up on these platforms and explore them a bit.

JoshWhoTv – This platform has made many improvements and while it is the best for crypto, it is particularly good for censorship resistance and content distribution. I do not get many views on here, but it is worth considering. - https://www.joshwhotv.com

LBRY/Odysee – this is a great project and while I have a ton of criticisms for them, it is still better than most platforms in terms of decentralization. They do a lot wrong.

They do have to approve you to earn LBC rewards and you do have to pay LBC to post content. So, for beginners, you need to pay to get started and monetization is on the way out. This also shows that they have full control over monetization and governance of the blockchain making it fairly centralized in that regard. They are decentralized in terms of content moderation and content hosting, however, there are issues there too. If the content is banned from Odysee, 99% of people will not see it. Even multiple alternative platforms still require you to seed or pay for content to be hosted. While people could still seed content or you could spin up own server, that is not realistic for people to do and thus the result is that 99% of the users using this platform are going through a very centralized experience.

People will argue that Odysee and the LBRY dapp are quite different but from a user experience perspective, they are the same. LBRY is the protocol and is different from all of this, but regardless, the platform experience is getting worse.

You can use my invite link to join - https://lbry.tv/$/invite/@ScottCBusiness:4

Bastyon – Bastyon is a great platform that was originally called Pocketnet. They use the PKOIN cryptocurrency to give out rewards and offer boosting. You can also use their decentralized application to access it too. While the rewards are low, it is good for moderation and decentralization. While it could be improved, it is an up-and-coming platform that could grow a lot in the future with some more momentum. - https://bastyon.com/

Publish0x – I have really enjoyed using Publish0x. It is a great blogging platform that is like the likes of Medium or Read.cash. One of the main draws is that it is crypto-agnostic, so you have opportunities to earn various cryptocurrencies without being concerned about the platform’s value or longevity being tied to a certain coin. The biggest issue they have is how centralized it is where they must approve authors and now, I am earning less and less on there. They are also limited by using Ethereum tokens for payouts, but it is still worth using if you like writing and want something like a crypto-monetized Medium. - https://www.publish0x.com/?a=gl9avjgaG1

Secondary Recommendations (6)

These are platforms that are solid but lack a few things to be able to get a full primary recommendation. I still highly recommend using all of these if you have the time and capacity to do so.

Serey – I almost never recommend platforms that require a download, but this only requires you to download their wallet. You can still use the platform without controlling or claiming your cryptocurrency rewards. It is a Hive clone and while the user interface is not the best, it is worth trying out. - https://serey.io/

COS.TV – COS.tv is a cool video platform that has been paying me increasingly lately. Unfortunately, it is not being traded on as many markets, so it is harder to cash out. Some issues with the platform are the centralization around content approvals, requiring you to use a phone and massive amounts of spam comments. They also use Theta for their videos which I have criticized for centralization many times. It is still a good platform worth using, they just need to focus more on decentralization and values commonly associated with blockchain. - https://cos.tv/account/register?invite_code=GJLPA

Blurt Blog – Blurt is another Hive clone like Serey or the previous Weku and Whaleshares. They say the major difference is the removal of downvotes, but that opens the way for spam and mass upvoting for reward farming. They deal with moderation in a centralized way but plan to decentralize in the future. I am not really a fan of taking a decentralized platform and making it more centralized. It is hard for people to get started if they did not already have a Steem account since there is no way to get a free account. Also, there are fees for everything which is meant to disincentivize spam, yet the fees all go directly to the creators who do little to moderate spam. So realistically I do not see a lot of people using this when they could just use Serey, DTube, Steem, or Hive. Lastly, it has exceptionally low liquidity which poses a risk if one or two ways to sell were dropped and you are stuck holding the bag. It is worth using as most Hive clones are still decent platforms, but it would not be my first choice. - https://blurt.blog/

Brave Browser (Rewards & Creator Program) – I include this as more of a tool to use, originally writing “earn crypto for allowing ads to display on your more secure and faster browser” - https://brave.com/sco556 but they have evolved well beyond that with their various projects, marketplace, and creator program that allows for creators to sign up to earn money via tips, grants, or through ads that might have otherwise been blocked. While it is not a social platform per se, it is integrated into the social experience and extremely easy to use. I have been earning a good amount from BAT rewards and creator rewards and I am happy with the experience. - https://brave.com/

Read.Cash & Noise Cash – Read.cash has been a blast to use. It is like Publish0x or Medium but much more open and with few limitations. They reward you with Bitcoin Cash that you can withdraw without restrictions and even connect you to Sideshift if you want to be paid in something else. It is not actually integrated with the blockchain, but you can boost your content, earn from sponsorships, and enjoy the platform in a decentralized way regarding moderation, etc. Since it is not actually integrated into the blockchain though, it is not decentralized like how Hive is. You also must consider that the rewards given out were funded by donations from Marc De Mesel and while they used to be public and transparent, we do not know how much is left and when rewards may end. The team is also not public facing nor using the platform anymore so there is no development or communications from them. The main issue now is that they could shut down at a moment’s notice. - https://read.cash/r/scottcbusiness

This also counts as two recommendations because you can use Noise.cash as the place to share short status posts rather than on Read.Cash. You can still post status posts on both though. This is a beta that was put out by their team to test this out and it is worth checking out even though it is bare bones. You can just link it to your read.cash account and automatically earn your rewards in that wallet. - https://noise.cash/u/scottcbusiness

DTube – DTube has its own chain and allows you to post to Hive, Steem, and Blurt all at the same time which is very ideal since most blockchain platforms do not have to crosspost. I would recommend it as a primary recommendation, but the trading and liquidity are so low that you could have trouble with getting or selling DTC as well as the price volatility that comes with that. There are also regular issues with the upload process, but they do offer you many methods, so you can always revert to importing videos from a legacy platform if you need to. Lastly, there are too few leaders (witnesses) who run the nodes. There’s 20/20 meaning that there is no way to vote for someone new because there is no one new to vote for. If they can get more people trading DTC, fix their upload issues, and decentralize more, it would be a top recommendation. - https://d.tube/

Primary Recommendation (1):

Hive is the best platform based on profitability, monetization, decentralization, and blockchain integration. While many platforms are great, Hive does the most to respect and build upon the values associated with the blockchain ethos.

Hive – This is my alternative to Medium / Reddit / Facebook. Hive is the hard-forked version of Steem and hosts a massive number of decentralized applications (dapps) that I use regularly. It is complex, but if you understand Steem, then it is the same thing. It is extremely decentralized, everything for your account is owned by you and uncensorable. Moderation is done by the community, but you are never actually “banned” or “censored,” instead your content won’t appear on the feed after enough negative votes on your content to deal with spam, etc. I stopped using Leofinance as my go-to community due to extremely low earnings and now mainly just post to the Threespeak community. Communities are like subreddits within the platform where you can earn tokens from that community and get more visibility for your content within certain communities.

This counts as multiple recommendations as I am recommending the network Hive, PeakD as my main interface, and 3Speak for video. - https://peakd.com/@scottcbusiness/posts

3Speak – This is my go-to video hosting platform for Hive. While you can post any video content on PeakD or whatever blogging interface you choose to use, uploading your videos on 3Speak are a wonderful way to fully integrate with the blockchain and utilize IPFS. - https://3speak.co/

Conclusion:

A lot has changed in the world of blockchain social since my last review 2 years ago. I have been posting a lot less and unfortunately earning a lot less as well. While I made about $25,000, there has been a steep decline in recent months. I have been posting less too, but there is a clear decline in rewards offered and naturally the value of those rewards due to market conditions. While Hive is not perfect, it is by far the best blockchain to host dapps.

While I understand Hive itself is not a social dapp and all the dapps on it are separate, it is much easier to recommend Hive as a whole. It checks off more things I am looking for than any other platform. I have moved everything else to secondary recommendations. DTube is great, but it has technical issues the most often, Read.cash is anonymous and funded by donations so it could shut down at any time.

I have decided to recommend Blurt & Serey because most Hive clones are good places to earn and have a similar decentralized ecosystem. While Cos.TV is the most centralized and must approve videos, it is still a good place to earn crypto. Odysee/LBRY has completely fallen off in terms of rewards and the platform in general, but they could improve given they have total control over governance. Bastyon is a great platform, but you do not earn very much there. Publish0x requires approval for new authors which I never really supported, and the earnings are falling off due to low value.

There is still a lot of hope for crypto social and what is possible in the future. Just lately I started using Actifit more on Hive where I can track and get rewarded for my exercise. Blockchain social and crypto-monetized platforms have taught us that everything we do has value and can be monetized in some way. While my earnings are down, I have proven that you can do this as a side hustle or supplementarily to the content you already create or have created.

A consistent theme I have noticed with platforms is more are opting into centralized services like Gmail logins, KYC verification, phone verification, requiring you to use a credit card, etc. I have also not been a fan of applications that only work on mobile as they are at the mercy of app stores like Apple and Google. There is also a growing trend where platforms are rebranding into mostly NFT marketplaces and trying to cash in on NFTs rather than growing and working on their platforms.

For my tertiary, secondary, and primary recommendations, I have written and recorded guides and tutorials for several of these platforms as well as doing interviews with their founders or executive team members. I have also done many breakdowns on frauds and the platform I recommend you avoid. To keep the word count down and make this not any larger a file than it needs to be, I will not include those links, but do consider looking through my content to find all of that.

It is worth reviewing my decentralization matrix episode to get more insight into where these platforms fall in terms of how decentralized or centralized, they are. This is a handful of platforms ranked on how decentralized they are based on many questions. This is the latest update:

These are the questions I refer to when reviewing content:

Can anyone monetize?

There is no perfect platform and they each offer their own unique benefits. Follow along with my monthly reports to see how much I am earning on each platform and gain some insight into how I have performed on each in terms of engagements, followers, impressions, views, and comments.

I use many platforms and if you are curious to see what I am currently using the most, check out my monthly reports on crypto earnings and social metrics to keep up with what I use and how well these platforms have been progressing, the earnings you can get, and how I’ve performed on them.

If you feel I made a mistake, poorly reviewed something, or missed a key platform to review, please comment below and I will take your feedback in and edit this to include it or edit my post accordingly. I really hope this benefits you as much as I hope it does. This took me an exceptionally long time. Please share this with others if you believe they will find use in it too! For some, I explained my reasoning more than others. If you are interested, you can inquire about anything, and I will get more in-depth on it even making a video if needed. Let me know what you think about all this in the comments below.

This was the last review:

Read.Cash: https://read.cash/@scottcbusiness/comprehensive-blockchain-social-media-platforms-review-v-633ef26d

What review or guide would you like me to do next? What is your favorite platform? Where are you spending most of your time? Where are you earning the most? Let me know what you think about this in the comments below and do not forget to subscribe!

Disclaimer: This is not financial advice and is purely for entertainment purposes. What you see, hear, or read is my opinion, and any statements made are based on my views and should not be misconstrued as fact. My crypto portfolio may or may not be simulated

👥 Support Me & Follow Me Elsewhere 👥

👉 http://www.scottcbusiness.com - Scott Cunningham

Ask questions in my Telegram: https://t.me/cryptoandthings

You can find all my cryptocurrency addresses on https://cointr.ee/scottcbusiness

You can find all my referral links here: https://linktr.ee/scottcbusiness

https://3speak.tv/watch?v=scottcbusiness/zhrjlcib
Time for another update on my investment portfolio and my passive income journey. In this episode, I cover my regular monthly update sharing what I invest in and why. This is amateur investing at its finest!

Disclaimer: This is not financial advice and is purely for entertainment purposes. All my stock information is 100% accurate, but my crypto data may or may not be simulated

I share everything so you can follow everything I’m doing with 100% transparency. The point of doing all this is to show you that it’s possible and provide some sort of framework that can be followed. This isn’t financial advice, and you shouldn’t exactly replicate my investing. What you should do is figure out what works best for you and stick to the basics of dollar-cost averaging, investing in good assets, avoid liabilities, compounding interest, be frugal, buy low, and sell high.

Investing Spreadsheet Template Link: https://bit.ly/investingtemplate

Below I will list everything for the monthly report:

I am making an average of $139.83 a month from passive income from stock dividends, crypto income, and some from music royalties. I’m starting to focus more on my staked crypto and building that up to increase my crypto passive income.

My portfolio is roughly rounded to about 67% crypto, 6% stocks, 3% in precious metals, and 24% in liquid fiat cash. My total annual projected income from passive sources is $1,677.93. $410.76 of those yearly profits come from stock dividends and about $1,264.35 comes from cryptocurrency staking.

I’m slowly building up my TRX, and HBD back up again with my main focus on ATOM. A portion of my crypto income has been going towards stacking more ATOM. It appears to be the most effective way to stake crypto and provide the most reliable and consistently high yield.

In my last update, my total portfolio value was $175,755 CAD. My current portfolio value with all my investments is $171,315. This is down about $2,440. I don’t think this is much of an issue so much as a hiccup. I’m very confident that with the ETH surge around the corner and as we slowly inch towards the next Bitcoin halving, we will see more bullish market. The real question is when will the market begin to reflect that.

I earned $22.56 CAD from stock dividends and $111.01 CAD from the staking ATOM, HBD, and TRX. In total, I have earned about $1,319.19 CAD from crypto and $2,089.82 CAD from stock dividends.

Was this helpful for you? What stocks do you invest in? Do you prefer growth investing or building passive income? Do you invest in cryptocurrencies that pay out regularly? Let me know what you think about this in the comments below and don’t forget to subscribe!

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