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[Lost in the Sauce] Trump admin hides Paycheck Protection program details; lawmakers benefit from loans

Welcome to Lost in the Sauce, keeping you caught up on political and legal news that often gets buried in distractions and theater… or a global health crisis.
Title refers to: The Trump admin is blocking IGs from getting info on over $1 trillion in relief spending, including corporation bailouts. The admin is also withholding PPP info from Congress, meaning we don't know if Trump or his family took taxpayer money. Additionally, we learned that at least 4 members of Congress have benefited from PPP money, but aren't required to disclose it.
Housekeeping:

Coronavirus

Inspectors general warned Congress last week that the Trump administration is blocking scrutiny of more than $1 trillion in spending related to the Covid-19 pandemic. According to the previously undisclosed letter, Department of Treasury attorneys concluded that the administration is not required to provide the watchdogs with information about the beneficiaries of programs like the $500 billion in loans for corporations.
Treasury Secretary Mnuchin refused to provide Congress with the names of recipients of the taxpayer-funded coronavirus business loans. After criticism, Mnuchin began to walk back his denial, saying he will talk to lawmakers on a bipartisan basis “to strike the appropriate balance for proper oversight” of PPP loans “and appropriate protection of small business information.”
At least 4 lawmakers have benefited in some way from the Paycheck Protection program they helped create. Politico has been told there are almost certainly more -- but there are zero disclosure rules, even for members of Congress.
  • Republicans on the list include Rep. Roger Williams of Texas, a wealthy businessman who owns auto dealerships, body shops and car washes, and Rep. Vicky Hartzler of Missouri, whose family owns multiple farms and equipment suppliers across the Midwest. The Democrats count Rep. Susie Lee of Nevada, whose husband is CEO of a regional casino developer, and Rep. Debbie Mucarsel Powell of Florida, whose husband is a senior executive at a restaurant chain that has since returned the loan.
Mick Mulvaney dumped as much as $550,000 in stocks the same day Trump assured the public the US economy was 'doing fantastically' amid the COVID-19 outbreak. Mulvaney unloaded his holdings in three different mutual funds, each of which is primarily made up of US stocks. The next day, the value of the mutual funds tanked.

Cases rising in many states

Good summary: There was supposed to be a peak. But the stark turning point, when the number of daily COVID-19 cases in the U.S. finally crested and began descending sharply, never happened. Instead, America spent much of April on a disquieting plateau, with every day bringing about 30,000 new cases and about 2,000 new deaths. This pattern exists because different states have experienced the coronavirus pandemic in very different ways…The U.S. is dealing with a patchwork pandemic.
As of Friday, coronavirus cases were significantly climbing in 16 states: Alabama, Arizona, Arkansas, Florida, Georgia, Louisiana, Mississippi, Nevada, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, and Washington.
Oklahoma is experiencing a massive increase in coronavirus cases just days before Trump’s planned rally in Tulsa. In Tulsa county itself, 1 in roughly 390 people have tested positive. Yet Trump plans on cramming 20,000 people in an event with voluntary face mask policy and no social distancing. Attendees must sign a waiver that absolves the president’s campaign of any liability from virus-related illnesses.
  • On Monday, Pence lied saying that Oklahoma has “flattened the curve.” As you can see at any of the resources immediately below, this is not even close to true. Over the past 14 days, the state has seen a 124% increase in cases and reports 65% of ICU beds are in use.
  • Tulsa World Editorial Board: This is the wrong time and Tulsa is the wrong place for the Trump rally. "We don't know why he chose Tulsa, but we can’t see any way that his visit will be good for the city...Again, Tulsa will be largely alone in dealing with what happens at a time when the city’s budget resources have already been stretched thin."
  • Earlier in the day, Trump tweeted that he is a victim of double standards when it comes to perception of his decision to resume campaign rallies in the midst of the coronavirus pandemic, declaring that attempts to “covid shame” his campaign “won’t work!”
Resources to track increases: There are many different sites with various methods of visualizing the spread of coronavirus. Here are some that may be particularly useful this summer… Topos COVID-19 compiler homepage and graphs of each state since re-opening. How we reopen Safely has stats on each state’s progress towards meeting benchmarks to reopen safely (hint: almost none have reached all the checkpoints). WaPo has a weekly national map of cases/deaths; the largest regional clusters are in the southeast.
On Monday, Trump twice said that “if we stop testing right now, we’d have very few cases, if any,” (video). Aside from the fact that cases exist even if we don’t test for them, we cannot explain the rising number of cases by increased testing capacity: In at least 14 states, the positive case rate is increasing faster than the increase in the average number of tests.
  • Reminder: In March Trump told Fox News that he didn't want infected patients from a cruise ship to disembark because it would increase the number of reported cases in the US. "I like the numbers being where they are," Trump said at the time. "I don't need to have the numbers double because of one ship that wasn't our fault."
Fired scientist Rebekah Jones builds coronavirus dashboard to rival Florida’s… Her site shows thousands more people with the coronavirus, and hundreds of thousands fewer who have been tested, than the site run by the Florida Health Department.

Equipment and supplies

More studies prove wearing masks limits transmission and spread of coronavirus… One study from Britain found that routine face mask use by 50% or more of the population reduced COVID-19 spread to an R of less than 1.0. The R value measures the average number of people that one infected person will pass the disease on to. An R value above 1 can lead to exponential growth. The study found that if people wear masks whenever they are in public it is twice as effective at reducing the R value than if masks are only worn after symptoms appear.
Meanwhile, Trump officials refuse to wear masks and Trump supporters copy his behavior… VP Mike Pence, leader of the coronavirus task force, published a tweet showing himself in a room full of Trump staffers, none wearing masks or practicing social distancing. Pence deleted the tweet shortly after criticism. A poll last week showed that 66% of likely-Biden-voters “always wear a mask,” while 83% of likely-Trump-voters “neverarely wear a mask.”
  • Trump’s opposition to face masks hasn’t stopped him from selling them to his supporters, though. The online Trump Store is selling $20 cotton American flag-themed face masks.
  • Yesterday, we learned that South Carolina Republican Rep. Tom Rice and family have tested positive for the coronavirus. Just two weeks ago, Rice was on the House floor and halls of the Capitol without wearing a mask.
Internal FEMA data show that the government’s supply of surgical gowns has not meaningfully increased since March… The slides show FEMA’s plan to ramp up supply into June and July hinges on the reusing of N95 masks and surgical gowns, increasing the risk of contamination. Those are supposed to be disposed of after one use.
Nursing homes with urgent needs for personal protective equipment say they’re receiving defective equipment as part of Trump administration supply initiative. Officials say FEMA is sending them gowns that look more like large tarps -- with no holes for hands -- and surgical masks that are paper-thin.
More than 1,300 Chinese medical-device companies that registered to sell PPE in the U.S. during the coronavirus pandemic used bogus registration data… These companies listed as their American representative a purported Delaware entity that uses a false address and nonworking phone number.
Florida is sitting on more than 980,000 unused doses of hydroxychloroquine, but hospitals don’t want it… Gov. Ron DeSantis ordered a million doses of the drug to show support for Trump, but very few hospitals have requested it.

Native American communities struggle

The CARES Act money for Native American tribes, meant to assist people during the pandemic, came with restrictions that are impeding efforts to limit the transmission of the virus. For instance, the funds can only be used to cover expenses that are "incurred due to the public health emergency." On the Navajo Nation, the public health emergency is inherently related to some basic infrastructure problems. 30% of Navajo don’t have running water to wash their hands, but the money can’t be used to build water lines.
Federal and state health agencies are refusing to give Native American tribes and organizations representing them access to data showing how the coronavirus is spreading around their lands, potentially widening health disparities and frustrating tribal leaders already ill-equipped to contain the pandemic. The Centers for Disease Control and Prevention has turned down tribal epidemiologists’ requests for data that it’s making freely available to states.
A Hospital’s Secret Coronavirus Policy Separated Native American Mothers From Their Newborns… Pregnant Native American women were singled out for COVID-19 testing based on their race and ZIP code, clinicians say. While awaiting results, some mothers were separated from their newborns, depriving them of the immediate contact doctors recommend. New Mexico Gov. Michelle Lujan Grisham announced that state officials would investigate the allegations.

Personnel & appointees

Former IG Steve Linick told Congress he was conducting five investigations into Secretary of State Mike Pompeo and the State Department before he was fired. In addition to investigating Pompeo's potential misuse of taxpayer funds and reviewing his decision to expedite an $8 billion arms sale to Saudi Arabia, Linick’s office was conducting an audit of Special Immigrant Visas, a review of the International Women of Courage Award, and another review "involving individuals in the Office of the Protocol."
  • Pompeo confidant emerges as enforcer in fight over watchdog’s firing: Linick testified that Undersecretary of State for Management Brian Bulatao, a decades-old friend of Pompeo’s, “tried to bully [him]” out of investigating Pompeo.
Trump has empowered John McEntee, director of the Presidential Personnel Office, to make significant staffing changes inside top federal agencies without the consent — and, in at least one case, without even the knowledge — of the agency head. Many senior officials in Trump's government are sounding alarms about the loss of expertise and institutional knowledge.
Trump’s nominee for under secretary of defense for policy, retired Army Brig. Gen. Anthony Tata, has a history of making Islamophobic and inflammatory remarks against prominent Democratic politicians, including falsely calling former President Barack Obama a Muslim.
Amid racial justice marches, GOP advances Trump court pick hostile to civil rights. Cory Wilson, up for a lifetime seat on the U.S. Circuit Court of Appeals for the 5th Circuit, has denied that restrictive voting laws lead to voter suppression and called same-sex marriage “a pander to liberal interest groups.”
Interior Secretary David Bernhardt has indefinitely extended the terms of the acting directors of the Bureau of Land Management and the National Park Service, sidestepping the typical Senate confirmation process for those posts and violating the Federal Vacancies Reform Act,

Courts and DOJ

The Supreme Court declined on Monday to take a closer look at qualified immunity, the legal doctrine that shields law enforcement and government officials from lawsuits over their conduct. Developed in recent decades by the high court, the qualified immunity doctrine, as applied to police, initially asks two questions: Did police use excessive force, and if they did, should they have known that their conduct was illegal because it violated a "clearly established" prior court ruling that barred such conduct? In practice, however, lower courts have most often dismissed police misconduct lawsuits on grounds that there is no prior court decision with nearly identical facts.
The Supreme Court ruled that federal anti-discrimination laws protect gay and transgender employees. Justice Neil M. Gorsuch and Chief Justice John G. Roberts Jr. joined the court’s liberals in the 6 to 3 ruling. They said Title VII of the Civil Rights Act of 1964, which prohibits discrimination “because of sex,” includes LGBTQ employees.
  • Alito, writing more than 100 pages in dissent for himself and Thomas, accused the court's majority of writing legislation, not law. Kavanaugh wrote separately: "We are judges, not members of Congress...Under the Constitution and laws of the United States, this court is the wrong body to change American law in that way."
  • Just days before the SCOTUS opinion was released, the Trump administration finalized a rule that would remove nondiscrimination protections for LGBTQ people when it comes to health care and health insurance. The SCOTUS ruling may make it easier to challenge the changes made by Trump.
The Supreme Court also declined to take up California’s “sanctuary” law, denying the Trump administration’s appeal. This means that the lower court opinion upholding one of California's sanctuary laws is valid, limiting cooperation between law enforcement and federal immigration authorities. Justices Clarence Thomas and Samuel Alito, two of the Court's conservative members, supported taking up the case.
A federal appeals court appeared unlikely Friday to stop a judge from examining why the Justice Department sought to walk away from its prosecution of Michael Flynn. "I don't see why we don't observe regular order," said Judge Karen Henderson. "Why not hold this in abeyance and see what happens?" Judge Robert Wilkins told Flynn's lawyer that if Sullivan doesn't let the government drop the case, "then you can come back here on appeal."

Other

Good read: Fiona Hill on being mistaken as a secretary by Trump, her efforts to make sure he was not left alone with Putin, and what the US, UK and Russia have in common. “It’s spitting in Merkel’s face,” said Vladimir Frolov, a former Russian diplomat who’s now a foreign-policy analyst. “But it’s in our interests.”
  • Russia’s Foreign Ministry welcomed Trump’s plan to withdraw more than a quarter of U.S. troops from Germany.
  • Op-Ed: Why cutting American forces in Germany will harm this alliance
According to a new book, the Secret Service had to seek more funding to cover the cost of protecting Melania Trump while she stayed in NYC to renegotiate her prenup - taxpayers paid tens of millions of dollars to allow her to get better terms. Additionally, NYPD estimated its own costs conservatively at $125,000 a day.
Georgia election 'catastrophe' in largely minority areas sparks investigation. Long lines, lack of voting machines, and shortages of primary ballots plagued voters. As of Monday night, there were still over 200,000 uncounted votes.
Fox News runs digitally altered images in coverage of Seattle’s protests, Capitol Hill Autonomous Zone
Fox News Mocked After Mistaking Monty Python Joke for Seattle Protest Infighting
In addition to holding a rally on the day after Juneteenth (originally scheduled the day of), Trump will be accepting the GOP nomination in Jacksonville on the 60th anniversary of “Ax Handle Saturday,” a KKK attack on African Americans.
Environmental news:
  • Ruling against environmentalists, the U.S. Supreme Court decided that the federal government has the authority to allow a proposed $7.5 billion natural gas pipeline to cross under the popular Appalachian Trail in rural Virginia.
  • Trump administration has issued a new rule blocking tribes from protecting their waters from projects like pipelines, dams, and coal terminals.
  • The EPA published a proposal in the Federal Register that critics described as an assault on minority communities coping with the public health legacy of structural racism. The rule would bar EPA from giving special consideration to individual communities that bear the brunt of environmental risks — frequently populations of color.
  • The Trump administration is preparing to drill off Florida’s coast, but says it will wait until after the November election to avoid any backlash from Florida state leaders.
Immigration news
  • U.S. Customs and Border Protection used emergency funding meant for migrant families and children to pay for dirt bikes, canine supplies, computer equipment and other enforcement related-expenditures… The money was meant to be spent on “consumables and medical care” for migrants at the border.
  • ACLU files lawsuit against stringent border restrictions related to coronavirus that largely bar migrants from entering the United States.
  • Under Trump’s leadership, U.S. Citizenship and Immigration Services has mismanaged its finances so badly that it has sought an emergency $1.2 billion infusion from taxpayers. When Trump took office, USCIS inherited a budget surplus. A large amount of funding is drained by its deliberate creation of more busy work for immigrants and their lawyers — as well as thousands of USCIS employees. These changes are designed to make it harder for people to apply for, receive or retain lawful immigration status.
  • Asylum-seeking migrants locked up inside an Arizona ICE detention center with one of the highest number of confirmed COVID-19 cases say they were forced to clean the facility and are 'begging' for protection from the virus
  • ICE plans to spend $18 million on thousands of new tasers and the training to use them
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And it’s not just you — the name reminds us of another casino too — Spin Palace. The crazy thing is that it’s not just a coincidence. Spin Casino is owned and operated by the same company that owns and operates Spin Palace.
The name isn’t the only thing these two casinos have in common, though. They also have a similar, if not identical, casino. The games, graphics, and stakes are alike.
If playing at identical casinos isn’t your cup of tea, we totally understand. There are tons of unique places to play online. You can browse our review section and find dozens of them.
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This means our review below includes both the good and the bad information that we found. It means we didn’t take money for a fluffy review or inflated rating. And it also means that we’re going to tell you exactly what you need to hear so that you can decide whether Spin Casino is the right site for you to join.
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Spin Casino Basic Information

Spin Casino has a license with the Malta Gaming Authority and Kahnawake Gaming Commission. They’re licensed under the names Bayton Ltd and Baytree Ltd.
Bayton Ltd and Baytree Ltd are both managed by The Palace Group. There’s a good chance that you’ve heard of The Palace Group, or at least heard of or played at one of their brands. Some of the other brands they operate include Spin Palace, Ruby Fortune, and Mummy’s Gold.
The Palace Group has been in business a long time, too — since 2001. This means that they’re getting close to their 20th anniversary online, which is light years compared to other casinos.
Between their time in business and their gaming licenses, you can feel comfortable playing at any of their brands. This includes Spin Casino.

Restricted Countries – Who Can’t Play

Players from the following countries cannot play at Spin Casino.
  • Australia
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  • Austria
  • Belgium
  • Czech Republic
  • Denmark
  • France and Outlying Territories
  • Germany
  • Hong Kong
  • Iran
  • Israel
  • Italy
  • Myanmar
  • North Korea
  • Philippines
  • Portugal
  • Romania
  • Singapore
  • Slovakia
  • South Africa
  • Spain
  • USA and Outlying Territories
  • Taiwan
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The Casino

In the following sections, we’re going to look at Spin Casino’s games. That way, you can get an idea of the games they offer so that you can decide if they’ll be a good fit for you.
Unlike most casinos nowadays, Spin Casino uses only Microgaming software for its animated casino games. There’s nothing wrong with this. It’s just that you won’t have the game or graphics variety that you will have at casinos that work with multiple software providers.
Trust us, though; this casino is plenty good enough. Spin Casino offers a little bit of everything here including slots, video poker, and table games.
They have a live dealer casino, too. Their live games come from Evolution and Ezugi, who are heavy hitters in the live gaming space. The result is a robust selection of live games. We’ll look at these later.
The one confusing aspect of their casino is that there are three sections — a casino, live casino, and Vegas (casino). We’re going to list some of their games below, but we’re only going to make a distinction between their animated and live dealer games.
We also noticed that their Vegas casino section doesn’t have any filters. You can’t select the type of games (slots, table games, video poker, etc.) that you want to see. This can make it tough to find the type of game you’re looking for unless you already know what it’s called.
The good news is that most, if not all, of their Vegas games, are also available in their main casino. This means there’s a chance you won’t need to visit the Vegas section at all.
Anyway, that covers the basics. Let’s now jump into each section and look at some specific examples of casino games you can play at Spin Casino.

Table Games

We’re going to start with Spin Casino’s table games. The following is a list of card and poker games that we found during our review.
  • Atlantic City Blackjack
  • Baccarat
  • Roulette
  • 3 Card Poker
  • Card Climber
  • Classic Blackjack
  • Craps
  • Double Exposure Blackjack
  • European Blackjack
  • European Roulette
  • Flip Card
  • High-Speed Poker
  • Hold’em High
  • Vegas Downtown Blackjack
  • Multi Wheel Roulette
  • Red Dog
  • Super Fun 21
  • Vegas Strip Blackjack
  • Spanish Blackjack
  • Triple Pocket Hold’em Poker
  • Cyberstud
  • And more!
There are both pluses and minuses to Spin Casino’s table game section. We’ll start with the downsides.
The most frustrating thing about their table games is that there’s no way to filter for specific games in the Vegas section. This can make it incredibly tough to find the games you want to play unless you already know what they’re called.
Another thing we were sort of unimpressed with is the lack of non-blackjack and roulette games. There are not enough games to offset all the blackjack and roulette options.
However, that brings us to one of the good things about their table game selection. They have lots of blackjack and roulette games.
In fact, you’ll find more than 30 blackjack games and more than 10 roulette games. Some of these are merely high-stakes variants or duplicate titles with improved graphics. Even discounting those, you’d be hard-pressed to find a better selection elsewhere.
Another thing we’re fans of is some of the unique games that you’ll find at Spin Casino that aren’t readily available elsewhere. For example, we can’t think of another casino that offers Triple Pocket Hold’em, Hold’em High, or Card Climber.
That’s always a good thing.
Table Game Testing, Graphics, and Stakes
Once we were done browsing their games, we opened a few of them up to make sure they worked well and to see what their graphics and stakes are like.
The graphics for the games we tested are pretty good. They’re not glossy, overly polished, or even realistic. They look more like animated games. There’s nothing wrong with that, though.
They don’t make it clear the stakes you can play for. We had to manually decrease and increase our bets to figure out the limits. The stakes we found varied from $2/hand or round to as much as $1,000. But keep in mind that this may vary depending on the game you play.
These aren’t bad limits — they’re higher than what many casinos offer. No t only that, but we also anticipated their live dealer casino offering even higher stakes. This means that we’re less concerned about how high the stakes are in this section of their casino.
We’ll look at their live dealer section in a few minutes.

Video Poker

The next section we checked out was Spin Casino’s video poker games. Here are the games we found during our review.
  • Aces & Eights Poker
  • Aces and Faces
  • All Aces Poker
  • Deuces Wild Poker
  • Deuces Wild Bonus Poker
  • Double Double Bonus Poker
  • Jacks or Better Poker
  • All American
  • Bonus Poker
  • Deuces & Joker Poker
  • Joker Poker
  • Louisiana Double Poker
  • Tens or Better Poker
This is an okay selection. On top of this, you’ll find “power,” “multi-hand,” and “Gold Series” variants that you can also choose from. We counted nearly 25 poker games in their main casino.
There are video poker machines in the Vegas section too, but we didn’t find anything different than what’s listed above.
Testing Their Games, Graphics, and Stakes
We tested a couple of their poker games during our review.
The games we played had average graphics, but that’s to be expected with video poker machines. They’re not meant to be fancy. They worked great, though. We experienced no lagging or bugs.
Some of them had neat features, too. For example, the machines we played offered the chance to double your winnings. When you make a winning hand, you can click the “double” button to play a mini-game to see if you can double up. Keep in mind that if you lose this game, you lose everything.
The best feature, though, had to be the automatic hold. Many video poker machines will tell you when you made a winning hand so that you don’t forget to hold those cards. However, one of the machines we played automatically held the best cards according to the common video poker strategy.
Now, we don’t know what strategy these machines are using or how optimal that strategy is. However, they did hold the cards we would have had this feature not existed. This is a neat option if you’re new to video poker and aren’t sure how to play optimally.
As far as stakes go, we found machines that let us play for as little as $0.25 per coin to as much as $50 per round. We recommend you bet the max number of coins, though, which means your minimum bet will be $1.25. This will vary from machine to machine, though.
Overall, we liked Spin Casino’s video poker section. We’d like to see more unique titles to choose from, but our opinion is that this lineup will work for most people reading this.

Slots

Next up is Spin Casino’s slot selection. They have far too many slot machines to list here, but here is a small sample to give you an idea of what you’ll be able to play.
  • 5 Reel Drive
  • Snow & Sable
  • Amazing Aztecs
  • Book of Oz
  • Cashville
  • Cash of Kingdoms
  • Diamond Empire
  • Dolphin Coast
  • Fruit vs Candy
  • Halloween
  • Girls with Guns
  • Game of Thrones
  • Highlander
  • Jurassic World
  • Lady in Red
  • Kings of Cash
  • Hitman
  • Lost Vegas
  • Lucky Koi
  • Oink Country Love
  • Pretty Kitty
  • Moby Dick
  • Monster Wheels
  • Robin of Sherwood
  • Silver Fang
  • So Much Sushi
  • The Great Albini
  • The Phantom of the Opera
  • Tomb Raider
  • Win Sum Dim Sum
  • Fat Lady Sings
  • Jekyll & Hyde
  • Jurassic Park
  • The Legend of Olympus
  • Throne of Egypt
  • Steam Punk Heroes
  • Winning Wizards
  • Untamed Bengal Tiger
  • Old King Cole
  • And more!
You’ll find all these slots in the main casino. There are plenty more where this comes from too. You’ll also find more slots — including unique titles not found in the main casino — inside the Vegas section.
That said, their selection of slots is much smaller than we expected considering that they work with Microgaming. We still can’t complain, though, especially after seeing some of the titles that you can play here.
For example, the slots that stood out to us are the licensed/branded slots. Licensed slots are machines that revolve around IP that other companies own. This includes movies (Jurassic Park), video games (Hitman), TV shows (Game of Thrones), and more.
These are fun to play because it’s highly likely that you’re going to be a fan of whatever the slot machine is about. For example, we like Jurassic Park. This means we get to kill two birds with one stone — play slots about a theme we really like.
Not only that, but you can play many of these slot machines in brick-and-mortar casinos. We’ve played Game of Thrones countless times during our trips to Las Vegas.
And this is just the licensed slots. You still have all the other slots that Spin Casino has to offer. This includes slots with bonus rounds, 3 and 5 reels, progressive jackpots, and features such as free spins, wilds, scatters, and more.
As for stakes, they vary so much that it’s hard to give concrete numbers. That said, we found machines that allowed us to play for as little as $0.10/spin to as much as $200. Most of the machines we looked at maxed out at $30 or less, though. This means that you might have to do some digging to find the machines with higher limits.
Overall, while Spin Casino’s slot section can definitely be bigger given that they’re powered by Microgaming, what they do have will be more than enough for most people.
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Live Dealer Games

Last up is Spin Casino’s live dealer section. Here are the games we found during our review.
  • Dragon Tiger
  • Private Blackjack
  • Shangri La Roulette
  • Dream Catcher
  • Casino Hold’em
  • Baccarat
  • Football Studio
  • Roulette
  • Ultimate Texas Hold’em
  • Lightning Roulette
  • Infinite Blackjack
  • Baccarat Super 6
  • Evolution Party Table
This is a solid selection of live games, especially when compared to other online casinos. But that’s not a surprise since some of these games come from Evolution Gaming, who’s a heavy hitter in the live gaming space.
Once you click on one of these games, you’ll be redirected to a section where you’ll find several tables to choose from (depending on the game). You’ll also find a navigation bar at the top with several filters to help you quickly find the game you want to play.
The lowest stakes we found for these games is $5 for blackjack. This is sort of a bummer since some live blackjack games can be played for as little as $1. However, $5 is pretty standard for a live game, so it’s not something we can hold against them.
You can play some of their other games, like baccarat or roulette, for $0.10-$1 per round.
The highest stakes we found were $5,000 for blackjack, $2,000 for roulette, and as much as $5,000 for everything else. These aren’t th highest stakes online, but they should work for most people.
One of the most impressive things about their games is the camera work. The different angles they use and the close-ups make it look like you’re watching a movie. Depending on the game, you can also change the camera option. For example, the roulette game lets you choose from 3D, immersive, or classic camera angles
The streams were very good considering how good the camera work was. We noticed a few lags, but they didn’t take away from the game much. The resolution was pretty good regardless.
Other features include the option to chat with your tablemates and the dealer, adjust the sound and camera angles, bet behind, and set up automatic actions. You can even multi-table several games at once.
Overall, we’re impressed with the live dealer casino at Spin Casino. You’ll have plenty of games to choose from, stakes, features, and men and women dealers that speak different languages.
We recommend you check it out.
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The Sportsbook

Spin Casino is unique from some of the other casinos under The Palace Group brand in that they also have a sportsbook. It’s called Spin Sports.
Here’s what you can expect to find if you choose to bet here.

Sports, Market, and Betting Options

Spin Sports has an excellent selection of sports that you can bet on. Here’s what we found during our review.
  • Soccer
  • Basketball
  • Tennis
  • Ice Hockey
  • American Football
  • Handball
  • Volleyball
  • Cricket
  • Rugby Union
  • Rugby League
  • Esports
  • Specials
  • Virtual Sports
  • Boxing
  • Gold
  • Badminton
  • Winter Sports
  • MMA
  • Darts
  • Snooker and Pool
  • Baseball
  • Cycling
  • Motor Racing
  • Speedway
  • Floorball
  • Table Tennis
  • Bandy
  • Aussie Rules
  • Surfing
  • Netball
  • Gaelic Football
  • Gaelic Hurling
  • Super Spin Specials
Many of these options have dropdown menus, too.
For example, click on the soccer option, and a dropdown menu containing options such as England, Europe, Spain, Italy, and Germany will appear. This goes for many of the other options, too — you’ll find countries as subcategories. You’ll need to click on these to find the different leagues that play in those countries.
Your betting options will obviously depend on the sport you bet on. We found plenty of choices, though. For example, you can bet outrights or money lines for Europa basketball. You’ll find spread betting, more money lines, oveunder, and outrights for NBA games.
Click on a match, and you’ll find additional markets. For example, we checked out an NBA game and found options to bet on different quarters, total points, team points per quarter or half, overtime, and more.
There are plenty of betting options here, which was a surprise, honestly, considering who’s running this sportsbook.

Live Betting

Spin Sports also offers live sports betting.
When we were there, you could bet on soccer, basketball, tennis, ice hockey, and cricket. We wouldn’t be surprised if they covered more matches than this (when those games are available).
In fact, we know that’s the case since we looked at their Event View and Live Schedule tabs. This is where you’ll see all the sports you can bet on, all the matches, and the number of betting opportunities available for each one.
And that’s about it for their live sportsbook. The one thing we’d really like to see added in the future is the option to watch live streams. It’d make sense to add a racebook too.
Here’s hoping that Spin Sports has both items on their to-do list.
>> Claim Free Spins Now <<

Final Thoughts

Spin Sports is a much better sportsbook than we expected. It’s hard to expect something this impressive from a company that has been running only casinos for more than a decade.
We’re fans, though. There are plenty of sports and markets to bet on. You also have your standard options for betting in American, fractional, or decimal odds, as well as using the sportsbook in different languages.
That said, there is room for improvement. They could add a racebook, live streaming, and additional features and build out their esports section.
But we think they’ve done a good job so far, and it’ll be more than enough for your typical casino player or recreational bettor.

Banking Options

Something we noticed during our review is that there’s the option to deposit inside both the casino and the sportsbook. As far as we can tell, it looks like you’ll want to deposit to the section you plan to spend your time in.
In other words, if you want to bet sports, you’ll want to deposit to your sportsbook account. If you want to play blackjack or slots, you’ll want to make your deposit to the casino.
The good news is that it looks like the same banking options are accepted in both sections. Find an option that works for you, and you can use it in both places.
When we reviewed Spin Casino, we didn’t find any evidence that suggests they charge fees on their deposits. This is great news. However, it’s not clear whether they charge fees on withdrawals.
As for limits, you can cash out as much as €4,000 per week if the amount you’re trying to cash out is more than 5x the amount that you’ve deposited over the life of your account. Otherwise, it looks like you can cash out as much as £10,000 in a 24-hour period.
This will depend on the banking option you use, of course.
Progressive jackpots are exempt from these rules, which is great to see. It’s no surprise, though, considering that they work with Microgaming.
That wraps up their banking details. The following two sections will list the banking methods you can use to fund and cash out your account.

Deposits

  • Visa
  • Visa Electron
  • Mastercard
  • Maestro
  • Neteller
  • iDebit
  • Trustly
  • Skrill
  • Echeck
  • MuchBetter
  • Paysafecard
  • Instant Banking
  • Neosurf
  • ecoPayz
  • Flexepin
  • Direct Bank Transfer

Withdrawals

  • Credit Card
  • Debit Card
  • PayPal
  • Neteller
  • Skrill
  • Paysafecard
  • ecoCard
  • Citadel
  • Instadebit
  • Direct Bank Transfer
  • Echeck
>> Claim Free Spins Now <<

Bonus Promotions

You can claim a few promotions as a customer of Spin Casino and Spin Sports. The following sections summarize the offers you can claim and the terms you need to fulfill if you do.

Spin Casino Promotions

The following are offers that you’ll find under the promotions tab on the casino side of things.

New Player Bonus

This is an offer available to first-time customers. Spin Casino is offering a 100% match bonus of up to $1,000. It’s spread out over your first three deposits like this.
  • First Deposit – 100% match up to $400
  • Second Deposit – 100% match up to $300
  • Third Deposit – 100% match up to $300
This is a nice offer because you have multiple opportunities to claim as much as you can. It’s especially helpful for players on a budget who can’t deposit $1,000 in one shot.
You will need to roll over this bonus 50x, though the playthrough will depend on the casino game you play. We recommend reading their terms if you plan to play a game other than slots.
The downside to this offer is that if you do happen to complete the playthrough with money to spare, and you want to withdraw it, cash-outs will be limited to 100 casino credits. You’ll forfeit the rest of the bonus.
That being the case, it might make more sense to play the bonus (and lose money) until you only have 100 credits left. Then make a withdrawal if you want. That way, you can enjoy the bonus money/winnings for as long as possible.
And that’s all they have for bonus offers. Spin Casino does say that they offer bonuses on a daily, weekly, and monthly basis. We have no idea what those offers look like, though.
While we were there, we did notice that they have a “bonus wheel.” You spin the wheel, and you can earn prizes, such as bonuses to claim. It looks like you can spin the wheel once every couple of hours.
This is pretty neat.

Loyalty Club

Spin Casino also offers a loyalty club. This is a multi-tier program that awards more perks the higher your status.
This program has six levels.
  • Blue
  • Silver
  • Gold
  • Platinum
  • Diamond
  • Privé
As you ascend, you’ll receive additional perks such as bonus points, more entry points, exclusive tournaments, VIP support, phone support, and exclusive gifts and bonuses.
You can receive monthly bonuses too. Climb the ladder to the very top of their VIP program, and you can receive more than $10,000 every month in bonuses.
Getting to each tier is straightforward — you need to earn so many points to reach a specific status, and then so many points to maintain that status each month. You’ll earn 1 point for every $10 you spend in the casino.
We recommend you read their promotions page to determine for sure if this program will be a good fit for you. But if we understand their points setup and minimum point requirements correctly, then this looks like a good program to use — even for low-stakes players!

Spin Sports Promotions

You’ll need to be in the sportsbook section in order to find their sports betting promotions. The following are the promotions we found during our review, including what you can get and the terms you need to fulfill.
Free Bet – First-time sports bettors will be able to claim a free bet bonus. This is a 100% match up to $200. To claim the offer, deposit at least $10.
This offer has a 5x rollover ($1,000 if you claim the entire $200) before you can withdraw any winnings. We recommend you read their terms and conditions for their other rules, as you’ll need to abide by odd minimums/maximums when you make your bets.
And that’s the only offer we found for sports bettors during our review.
This isn’t a bad offer by any means. That said, it would be great if they had a few other promotions running. It’d be nice to see some kind of cashback or rebate offer or additional bonuses.
But as the saying goes, something is better than nothing.

Mobile Friendliness

Both Spin Casino and Spin Sports are mobile-friendly. You don’t need to download any apps. All you need to do is go to the casino or sportsbook from your phone or tablet and log in. You’ll be able to play all games and make bets from your browser.
It looks like you’ll have the full sportsbook at your disposal. And considering that they work with Microgaming and Evolution Gaming, we wouldn’t be surprised if most or even all of their casino games are available.
>> Claim Free Spins Now <<

Customer Support

You can use the following options to contact Spin Casino.
The email address above is addressed to the parent company of Spin Casino. The issue with that is they manage several other casinos.
For that reason, we recommend that you make it clear that you’re a Spin Casino customer when you contact them. That way, you eliminate any confusion and reduce the chances of any unnecessary back and forth.
We were disappointed to see that they don’t offer phone support despite saying they do in multiple places throughout their website.
That said, phone support still isn’t a standard communication method offered by online gambling sites. It wouldn’t be fair if we held the lack of phone support against Spin Casino.
Besides, you can contact them 24/7 using the methods above. We sent Spin Casino an email, and we were surprised to receive a response less than two hours later. They answered our questions, too.
That’s better than the average casino for sure. For that reason, we give Spin Casino’s support two virtual thumbs up.
submitted by freespinsmobile to u/freespinsmobile [link] [comments]

[REVIEW] Gucci Soho Disco, Chanel Espadrilles, Loewe Puzzle Bag, Hermes Key Chain, all from Taobao using BaseTao.

Double Purchase Review.

This is way too long, I apologize. It is my review of my two purchase events from Taobao through Basetao — I wrote the first and never posted, so I just put it with the second. It includes the Gucci Soho Disco studio version, the fisherman Chanel Espadrilles, a Loewe puzzle bag, and a Hermes key chain.

First haul -

the Gucci Soho Disco bag in red; I also bought the Chanel espadrilles in solid black leather, but that review comes with the next haul since the shoes did not fit and I ordered a different size with the next haul. The studio version of the Soho Disco has several reviews and can be found by using the search bar on this sub.
 
Payment info: Basetao does conversion rate (at the time of my order) of 1.00USD = 5.8672CNY (yes, they make some money on this)
Gucci Soho = 300 CNY
Chanel espadrilles = 268 CNY
Shipping + fees - DHL shipping, 3% shopping fee (that’s the upgrade- 2 levels!!) = 253 CNY
Total cost for items = 821 CNY
Or about 139.93 USD for both items.
Timeline.
Signed up for Basetao account on 4-09.
Sent email to Basetao requesting the RL associated VIP upgrade on 4-10; started shopping and placing items in my cart same day.
Received the upgraded VIP status on 4-11.
Ordered items on 4-12.
Delivered to warehouse 4-13 and 4-14.
Received photos on 4-14.
GL’d and requested shipment on 4-14.
Shipped on 4-16
Arrived Cincinnati USA on 4-18
Arrived my house on 4-19, late afternoon.
Ease of use with Agent / communication.
This was my first time ordering off of Taobao. I’ve been reading about so many of you using it.. I got jealous and wanted to do it too. I explored a little bit; read some reviews and hints; read the wiki info Taobao - which was the most helpful of all. I did my homework!!! Then, I just jumped right in. Yes, I had anxiety about the whole process. But I had to trust that it was going to work out. I reached out to luckypotatoe4, and she made me feel much more at ease about my endeavor. I chose Basetao; I wanted the VIP upgrade and figured that they were wanting business from RL, so perhaps that would mean good service. Their website takes a little exploring, but it’s not complicated. Every note I sent Basetao about my item was answered quickly and with a very friendly response. The email I sent requesting the VIP upgrade was responded to quickly and with a nice response. I like their QC photos; they are very clear and tidy. The shipment was well done, good amount of bubble wrap and tape, but not overly so. Both items arrived it tip top shape. Overall, I really thought that everything with Basetao was prompt, friendly and fairly easy. My first “haul” was only these 2 items, but I was trying to test my own success at this. I have lots in my cart, and I will continue to use Basetao as my agent of choice.

Gucci Soho.

Auth - https://www.fashionphile.com/gucci-leather-small-soho-disco-bag-red-59756
Shop link: https://item.taobao.com/item.htm?id=562788197218
PSP (from Basetao) https://imgur.com/a/UeSgBfA
My photos https://imgur.com/a/Cj54SuF
I got the red one. I’m a sucker for red bags. I have not personally touched a real Gucci soho disco, so I only go by what the auth looks like in photos / websites / what others have said. It came in the cheap silky Gucci dust bag, and it fits inside the bag.
Quality: 7.5/10 = -1 for the leather; -1 for the tassel; -0.5 strap. The leather is not super soft at all. It felt dry. I conditioned it well, and while it is better than prior, I still couldn’t get it as soft as I really wanted it to be. And I think the grain is a bit too “wide”. The leather reminded me of the pebble leather on D&B bags. Good, but not superb pebble. My bag did not have any misshaping to it; no folds or creases or dents. The seams are well sewn and straight. The GG - well it’s not a perfect alignment, but we all know that. It is puffy, but not extreme. It’s centered on the bag nicely. The tassel streams are thin; not sure if they are the same leather as the bag. Zipper works great. Inside is - well, it’s inside. I like that it’s not a dark color. It’s nicely put togethesewn. The strap fold on one side is messy and not cut straight.
Authenticity: 7/10 = -1 it’s not authentic; -0.5 for the threads; -0.5 for the tassel; -0.5 for the GG; -0.5 for the inside, including the label. Of course, we all know the threads are too light, so I darkened them. Refer to this review for using the sharpie to accomplish it. I did it twice over, and I think it looks pretty good. The bag's red color is true red. The GG is not shaped to perfection like the auth, but it is fairly close / or close enough for me. The tassel hardware has the nubs right, but it has that visible screw that isn’t there on the auth. The length of the tassel seems ok. Just not sure about the thickness of the tassel streamers. The strap had that extra holder, which I cut off. The number of holes on the strap is correct. I don’t think the inside pocket is the right shape - it’s not flat, but sorta pleated. The inside label is not quite right, spacing and tag size.
Happiness factor: 9/10. I love a red bag. The flaws are minor, and absolutely NO ONE that I know will have this bag or know anything about it other than it’s Gucci. I rarely wear a bag this style. Crossbody bags bother me to wear; I prefer a satchel or tote. But I do wear small bags when I go to casino, about twice a month. I hate lugging a lot of stuff around when I’m moving around the different slot machines. And sitting at the slot, I don’t like to hold something heavy. I like to just have my phone, lipstick, tissues, ID, and money handy while in casino, so this bag fits my intended purpose. If it had an outside pocket I would rate my happiness 10.
 

Second haul

Loewe medium Puzzle Bag, Chanel Espadrilles, and Hermes key chain.
Payment info.
Basetao makes a little money on the conversion rate, and it seems to vary. I had to recharge twice at different intervals, so the rate of conversion changed or it just costs more to recharge with a credit card rather than PayPal. Also, I am guilty of keeping the shoe box - I know….
I recharged using PayPal with a conversion rate of 5.67375CNY : 1USD
I recharged using a debit card with a conversion rate of 5.9154CNY : 1USD
I will round it out at 5.75 for easy (or fuzzy) math.
Loewe puzzle bag = 368 CNY or about 64USD
Hermes key chain = 85 CNY or about 14.78USD
Chanel espadrilles = 268 CNY or about 46.60USD
Shipping + fees — DHL shipping, 3% shopping fee (that’s the upgrade- 2 levels!!) = 321.63CNY or about 55.94USD
Total cost for items = 1042.63CNY—Or about 181.33USD for 3 items.
Timeline.
Recharged my account and ordered items on 4-28.
Delivered to warehouse 5-2 (delay because of May Day holiday).
Received photos and GL’d on same day 5-2.
Recharged my account and requested shipment on 5-12. (my delay here - I was very busy for awhile and just didn’t get back online to finish the order)
Shipped DHL on 5-13
Arrived Cincinnati USA on 5-17, cleared customs right away.
Arrived my house on 5-18, late afternoon.
Ease of use with Agent / communication. Basetao is very easy to work with. I like to think that they are at work just waiting for me to send them here and there for my stuff. Kinda entertaining in my head. They respond to my notes/messages very quickly. When I did my first recharge, on 4-28, I decided to try out PayPal. I had reached out to them the day prior about getting pre-approved for PayPal. They responded very quickly, informed me of the necessary steps. I also followed the advice here… and sent them a photo of my drivers license with most of it redacted along with my PayPal email. They were so quick to set me up - within a hour or so, I saw that I had PayPal as an option. It’s very odd method to use paypal with them, but it worked like a charm. My package arrived - everything was heavily taped and boxed. Very secure. I will keep using them. I like that they respond to my notes and my messages very quickly and in a friendly manner. Note that I do try to only communicate during their work hours. Their PSP / photos are quite nice, clear, and cover most of the bases. They package items securely. They deliver to warehouse quickly, and send out even quicker. I have not ever used any other agent, and I probably won’t if it keeps going this well. I highly recommend them. Please follow the wiki index info that has been provided by luckypotatoe4 located here. It will get you through the whole process with ease.

Chanel espadrilles.

Authentic link: https://www.yoogiscloset.com/shoes/chanel-white-black-lambskin-leather-cc-espadrille-flats-size-7-5-38.html
Shop link: https://item.taobao.com/item.htm?id=567234448616
PSPs from Basetao: https://imgur.com/a/nFyjDwH
My photos: https://imgur.com/a/5O3BTN2
This is my second pair. The first pair did not fit. I originally ordered a 39 in them, black on black leather. The length was okay, but I was born with those ballerina feet - wide forefoot, very very high arch. So my foot would not fit inside because of my arch. I wear a 8 wide, sometimes a 81/2 wide. Anyway, my girlfriend loves the shoes; she says she hardly ever takes them off. I ordered size 40 this time. And I chose the white with black toe this go round. I just didn’t think the CC showed up like I wanted on the all black. And my foot fits inside of the size 40 perfectly!!
Quality: 9/10. Leather- very nice. The black toe part is much softer than the white leather. In fact those all black that I gave my friend were much softer. But still, quality leather. And the inside is nice soft leather as well. Sole- it’s good. The rope is decent, but a little glue spots here and there - comes right off with some alcohol. Stitching - no mess here. Comfort - excellent. My foot fit inside of these!
Accuracy: 8/10. Of course, it’s all the things that have been reviewed are the same. The toe is rounded more that it should be. CCs aren’t perfect, but mine are sewn on quite neatly. The rope stitching is a bit wider than the auth.
Happiness factor: 10/10. Few rules on shoes for me. My feet have to go in them - check. No seams over the bunions - check. No squishing the pinky toe - check. No slipping of the heel - check. No developing foot cramps - check. Now when I first put them on I had just taken off my auth Rothy’s (most comfy shoes ever) which I had worn all day. So they are not as comfy as my Rothy’s, but compared to some of my other shoes, these are quite near the top of comfort zone. I will buy another pair for sure.

Loewe puzzle bag, medium size, stone blue.

Authentic: https://www.matchesfashion.com/us/products/1187149
Shop link: https://item.taobao.com/item.htm?id=535963637402
PSPs from Basetao: https://imgur.com/a/ULX65BU
My photos: https://imgur.com/a/H6BMAQ5
BUY THIS BAG!!! I wanted this bag, but I didn’t know what color to get. I don’t do black bags. (Yep, I always choose bags in any color than black. I guiltily confess that I have a Chanel WOC rep in black caviar, but it’s the only black bag in my arsenal.) Anyway, I like gray, so I chose the stone blue one - it looked gray per the reviews on the shop. I’ve never seen this bag IRL - I don’t live near any shops that carry this and had no way of going to check it out prior. I just like the shape and style. Took my chances on a rep with limited shop reviews. And clearly the price was good.
Quality: 9/10. First impression - squished! I had to do some steaming to get the folds and bends out of it so that I could really judge the bag as a whole. After that, it looked pretty good. Stitching is overall good. A couple of places where it is a bit messy, but the lines are very straight. Zipper, works very nicely. Interior is well made. The leather is very smooth and soft. And even after I messed around with this bag to get the folds and wrinkles out, I never scratched it. But it doesn’t smell like leather (not at all like the LePliage cuir leather that smells so good you sleep with it).
Accuracy: 7/10. Inside, the brand tag is wrong- shape and lettering. The number tag is wrong shape as well. The lining pattern looks close to authentic. I think the puzzle pieces are correct. I’ve looked a quite a few online, and it seems to be correct. But some people say it’s not quite perfect. The imprint label on top looks fine, maybe a bit too deep The feet are fine. The wrap around tabs on the zipper pulls have only one stitch and I think it needs two or three. Markings on the zippers looks correct. The metal rings holding the main handle to the bag should be a trapezoid shape, but these are square. The long shoulder strap has the wrong shape where it goes from fat to skinny as it needs to be more angular.
Happiness factor: 8/10. I guess the color is kind of bland for me. And the opening is a bit constrained. I have read that people don’t really like the smallish opening on the smaller bag, thus I chose the medium size. I love the look of it - shape and the puzzle style. I love that it has feet. I like the smoosh of it, very casual looking. I don’t do bags crossbody, but I like the strap, just in case I need to load it on my shoulder. It’s easy to change the setting on the long strap. I’m really glad I got the medium, as the small would have been just too small for my stuff. It’s got a thick cotton dust bag - no idea if it’s correct, don’t care. So, yep, I like it and I recommend it.

Hermes key chain.

Authentic: hmmmm. I don’t think it was ever real. If anyone knows a fact on this, let me know.
Shop link: https://item.taobao.com/item.htm?id=545317716897
PSPs from Basetao: https://imgur.com/a/MjHiybK
My photos: https://imgur.com/a/DJzsn0U
I bought this for a gift. I personally don’t use key chains (only bag charms on my bag). Anyway, I bought it as a gift. I’m not sure why I chose the blue color, it just looked nice. Again, I have never seen or touched an authentic IRL. Really don’t even know if this was ever real in the first place. I did a lot of searching
Quality: 9/10 - shine is good on the metal. Clear engraving. Leather is soft. Stitching and glazing very good. Color is so richly saturated.
Accuracy: hmm. I don’t think this was real… The only places I find it is on rep sites.
Happiness factor: 10/10. It’s well made, simple and richly colored. It will make a nice gift as it was intended. Nice little packaging, too. It comes with two extra, different style/size rings.
Whew!
submitted by lucyrcat to RepLadies [link] [comments]

[OFFER] Apply for Chase Sapphire Preferred and get 60,000 points ($750) as well as extra $60 from me

Please use my referral code below to apply for a Chase Sapphire Preferred Card. If you use my link, I will give you an extra $60 using paypal/ chase pay/ cash app/venmo. Please message me if you have any questions or if you have used my referral link.
https://www.referyourchasecard.com/6a/H0633LCQVO
You will get 60,000 Bonus Points after you spend $4,000 in the first three months your account is open. 60,000 points can be worth $750 in travel rewards, so in total you will earn $810 ($750 from credit card and $60 from me). There is an annual fee of $95 for this credit card.
Offer Details:
The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. To qualify and receive your bonus, you must make Purchases totaling $4,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Earning Points Rewards Program Agreement: For more information about the Chase Sapphire Preferred rewards program, view the latest opens in a new windowRewards Program Agreement. We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to opens in a new windowchase.com/ultimaterewards. How you can earn points: You’ll earn points when you, or an authorized user, use a Chase Sapphire Preferred credit card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1 point: You’ll earn 1 point for each $1 spent. 2 points (“2X points”): You’ll earn 2 points total for each $1 spent when your card is used for purchases in the travel category or the dining at restaurants category (one additional point on top of the 1 point per $1 earned on each purchase). How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and products or services made available through the program or directly from third party merchants. Redemption values for reward options vary. Points expiration/losing points: Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/MasterCard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see opens in a new windowwww.Chase.com/RewardsCategoryFAQs. 25% More in Travel Redemption When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Ultimate Rewards is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value, and points are worth 25% more than if redeemed for cash. For example, 60,000 points are worth $750 towards travel, or $600 when redeemed for cash. The cost of travel is based on the rates and fares available through the Ultimate Rewards website and travel center, and may not reflect all rates and fares that are available through other sales channels. Travel and Purchase Protection Benefits These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC. Accounts subject to credit approval. Restrictions and limitations apply. Chase Sapphire Preferred credit cards are issued by Chase Bank USA, N.A. Offer subject to change.
submitted by starfishgibberish to signupsforpay [link] [comments]

For anyone thinking about selling vaporizers, ejuice or other "High Risk" items. Research High Risk merchant accounts before starting your business

High Risk Merchant Processing - Sure You Want To Get Into That Niche?
I've been spending a lot of time on Reddit lately and have seen a lot of questions being asked about starting businesses selling ejuice, vaporizers and vape accessories, water pipes, coin, and many other products that are considered "high risk" to merchant processors.
Most people are probably not even aware there are certain products and industries basically locked out of banking and credit card processing. We've all heard how Medical Marijuana dispenseries have trouble finding banking relationships and credit card processors, however many people don't realize that many seemingly normal and legal products are banned by nearly all credit card processors.
These items could be anything from vaporizers or any vaping accessories, anything collectible, autographed memorbilia be it sports or celebrity stuff, coins, currency, drones, any non-tanginble items; ie programs and ebooks, many services,
Most credit card processors, as well as third party aggregators like Paypal, Stripe, and others, have a long list of specific items and businesses which they won't allow to use their service. All of them also add a caveat about how they have the right to refuse or terminate any relationship they believe may tarnish their repuation. This essentially means, if they happen to not specifically call out your product or industry or business, that they can fall back on that "harm to them" which basically means at anytime they can decide to kill your payment processing for whatever reason they deem necessary.
Some Examples Of Merchant Providers Prohibited Categories
Paypal Prohibited Businesses and Products
Stripe Prohibited Busineses and Products
Square Prohibited Businesses and Products
First Data Prohibited Businesses and Products
Is It Worth Entering A High Risk Industry?
I think most people think hey, I'll start a business, signup for a merchant account and things will be all good. For 99% of merchants this is true but many industries named above have an uphill battle finding credit card processors.
These businesses may occasionally find someone to take them on and they may have processing for a matter of days, weeks, or even months; but eventually that dreaded call or e-mail will come telling you that they are terminating their relationship with you and your business; and you'll be left scrambling to find a way to accept credit card payments.
The reason for this post is to bring this lesser known issue to people's attention. I've been spending a lot of time in the "Ecommerce" subreddit lately and see a lot of people dabbling with the idea of certain industries considered "high risk". I write this not necessarily to discourage people from entering these industries but at the very least, know what you are getting into.
I personally have run a business and sold items considered "high risk". My items were legal and not even really in any way "shady", had nothing to do with vaping, drugs or anything even questionable in nature; however I later learned my products had a high risk of credit card chargebacks and it's basically been impossible to accept credit card payments.
I was with Paypal for over 4 years. I did over 2 Million a year in sales on Paypal. I paid Paypal over $80,000 a year in processing fees and they still dropped me like a bad habit. Due to my stellar seller performance and relationship with my account manager they were kind enough to give me 30 days notice to find a new processor but not a whole lot of good that did as there really are no other options.
I wound up trying a few high risk credit card merchants. Got scammed out of a few thousand dollars, got a merchant account outside of the USA and thought all was good. What nobody tells you is that if you use a foreign merchant account 99.9% of your transactions will be declined by your customers bank for being "suspicious transactions". In order to get the transaction to go through nearly EVERY customer of yours will have to call their bank, explain the purchase, and ask the bank to okay that purchase. A huge headache when your trying to run an ecommerce business.
Another thing is 99% of high risk merchant processors are scams. I personally was scammed out of about $3,000 by a scumbag named Tony from Bankcard Services out of Chicago and New York. I personally know people who have lost tens and even hundreds of thousands of Dollars from scammers in the high risk merchant processing industry. I've heard it said for every legitimate high risk merchant processor there's 1200 frauds.
If you're considering entering an industry which you believe may be considered high risk, find a merchant provider, and search their website to see if the items you sell fall within the terms of service. It's also a good idea to call the merchant before opening the account. Don't just talk to a sales rep as they want the sale and will lie to you and tell you it's okay, only to have you be shut down weeks later, as all new accounts are typically audited within the first 30 days. Ask to talk to compliance or a supervisor and make sure they are okay with your business and the products you sell.
This extensive list below are just some of the products and business categories which are pretty much locked out of accepting credit cards...
What Types Of Businesses & Products Are Considered High Risk?
Not ALL industries, but it definitely covers a large number of them.
1-800 type chat sites Airlines Airplane charters ALL sexual oriented or pornographic merchants: (i.e. companion or escort services, adult telephone conversations, adult book stores, dating services, online adult membership or matchmaker services, adult paraphernalia or toys.) Amazon, Yahoo or Google Stores Annual contracts Antiques Auctions Automotive brokers Bankruptcy attorneys Brokering “Business opportunities” Calling cards Casino, gambling or gaming Check cashing services Cigarette or electronic-cigarette sales or nicotine cartridges Coins, collectible currency or autographed collectibles Collection agencies Coupons or rewards-points program Credit or debt repair Credit counseling Credit protection Debt collection Direct selling Discount health – medical care programs Debt consolidation Drug paraphernalia eBay Store E-Books (copywrited material) Electronics Event ticket brokers (unlicensed – non registered (i.e. Stub Hub type merchants)) Exporting services (non US based) Fantasy sports websites Federal Firearms License (FFL) dealers Finance broker, financial consulting or loan modification services Indirect financial consulting (i.e. How to Save Money by Lowering Your Electric Bill.) Financial planning, strategy or advising “Get rich quick” – books, programs, etc… High average tickets “How-To” type websites (i.e. “Learn How-To Make Money on The Internet”) Horoscopes, astrology or psychic services (i.e. fortune tellers) “Hype” products or services Hypnotists or self-hypnosis International merchants (non US based) International shipping, cargo or import/export Investment firms Investment strategy Investment books Lawyer referral services Life coaching Lingerie sales Lotteries Magazine sales and subscriptions Mail order Membership organizations (over 12 months) Merchants on the terminated merchant file (TMF list) Modeling agencies Multi-currencies Multi-level marketing (MLM) Music, movie, software downloads or uploads (ie. copywrited music, movies or software (i.e. Microsoft office)) Non US citizens Off-shore corp. establishment services Pawn shops Poor credit Prepaid debit cards In-bound or outbound telemarketing services Real estate Replica handbags, watches, wallets, sunglasses etc… (knock-offs) Self defense, pepper spray, mace, etc. Seo services Social networking sites – Facebook, Twitter, MySpace etc… Sports forecasting or odds making/betting Talent agencies Telecommunications Telephone companies Telephone order Third-party processing, factoring merchants (i.e. payment processors, vacation rental brokers) Time-shares or time-shares advertising Tour operators Travel services Travel agencies Travel clubs Vacation planners Vacation rentals (unless property is owned by merchant) Vitamin and supplement sales – diet pills, prescription pills, health supplements, pharmacy Voip services Extended warranty companies Weapons of any kind – guns, knives, stun guns, or ammo. Includes any parts of weapons (i.e. butts, triggers, magazines, etc.) Vaporizers Coins Currency Vaping Accessories Water Pipes or Drug Paraphanalia
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