ʝσɳ @jonw@hackers.town
- All the Jon stuff
- https://cmp.cx/23f25
I live a charmed life working in a #SOC with the smartest people in the #infosec field from my beautiful New England century home in 🇨🇦.
Twice a day my ManMe bot (as in Man pages) posts a random Linux command and its purpose. You can find them under the #manmebot hashtag.
My current writing is on Substack here (https://jonwatson.substack.com). If you want to read something but hit the paywall, look at the About page. There is an outrageously good discount button there :)
Joined Apr 2019
#Canadians wanting to give Koho bank a try, if you use this link to sign up, we both benefit with an extra 1% cash back (on your own money...more below) . I've been using it for a few days and overall like it.
For clarity, the main vehicle for spending money here is via physical and virtual Visa debit cards. The two cards have different numbers for security, and the virtual card can be used with Google/Apple/Samsung Pay. The physical card has chip and PIN.
Because it's really a debit card masquerading as a Visa card, the cash back isn't the typical lame partial cash back of the interest rate you'd pay on the purchase if it was a real credit card. Because this isn't a credit card. So it's cash back from your own money which basically means the purchases are discounted.
Koho also offers automatic price matching. When you buy something from a looooong list of stores, you can simply shoot a copy of the receipt to Koho through the app and they'll do the piece match for you. Differences are credited back to your account. I haven't tested this yet as I haven't bought anything at a participating merchant yet.
Next: savings. Lots of options here. You can round up all your purchases to the nearest $1/2/5/10 which I've used at other banks for years. It builds fast. Next, you can set multiple savings goals. Like, I need to pay for bike insurance in July. So I set a goal for that amount when it's due and Koho automatically transfers a few bucks a day to that goal so it's there in full when it's due. I even have options if I contribute more or less, I can choose to move the deadline to accommodate the changes, or leave the deadline alone and change the individual deposit amount.
You fund the card via interact transfer or direct deposit. Interac arrives in about 10 minutes in my experience. Haven't tried direct deposit for the reason below.
The only downside I've seen so far is that support is slow to respond (like 4-8 hours). For that reason I'm not going to plunge in with direct deposit or big amounts of money yet, but for my disposable fun money between paydays its pretty nice. I've talked to Koho through the app and via Twitter DM and they say they know it's not great at the moment and they are actively training staff to improve that. Historical reviews on the Internet seem to indicate support was better at one time so I have hopes it will return to that level.
Finally, any funds you have in Koho are actually in a People's Trust account which is CIDC insured. Much like Simpli is really CIBC, for example.
Thank you for listening :)
Jonw has given you an extra 1% cash back to get started with KOHO, the smarter spending account.
Download the app https://web.koho.ca/referral/3U84FIHE
Or use this code on sign-up: 3U84FIHE
Here's my top 3 reasons that I turn down LinkedIn job inquiries 90% of the time.
Where do you land on this? What is the reason you turn down, or ignore, most LinkedIn recruiter contacts?
Please boost for more answers!
- All the Jon stuff
- https://cmp.cx/23f25
I live a charmed life working in a #SOC with the smartest people in the #infosec field from my beautiful New England century home in 🇨🇦.
Twice a day my ManMe bot (as in Man pages) posts a random Linux command and its purpose. You can find them under the #manmebot hashtag.
My current writing is on Substack here (https://jonwatson.substack.com). If you want to read something but hit the paywall, look at the About page. There is an outrageously good discount button there :)
Joined Apr 2019
