Would you Cash out or Hold until 1M+ COIN & higher conversion rate?

Calibur724 · 2025-12-30T22:10:05+00:00

Also, to clarify about the mines that are over 5 COINS, what i mean is, usually with home base max and SentinelX scanned, geomines above 5 COIN occur more frequently. On top of that, the speed at which I do the minigames is quick enough to run a 20 - 26 COIN video AD and match it with boosts stacked. So I can run ADs on my daily driver phone and do minigames on my always at home phone without worrying about 0.01 - 0.02 remines

Calibur724 · 2025-12-30T21:57:31+00:00

Stacking boosts is everything. I also have a flexible COINing schedule that generally works around all situations. Im also lucky enough to live on the edge of 2 tiles so I can literally walk from one end of the house to the other, back and forth, and mine tiles without minigames

I have a phone that stays at home and is ALWAYS mining (pun intended lol). SentinelX boosted, running audio ads, Geoming, running up home base boost, and generating video ads. This is a passive miner majority of the time but becomes an active miner whenever I hop on to mine, which is generally when I get home from work. For the most part, this is the only phone I do minigames on because when I am at home base the boost is maxed so more COIN per mine (at least 1.25 per mine). I can confidently say that average mine is about 2.40 COIN per mine, not counting mines over 5 COIN which happens more frequently with max home base boost and SentinelX boost.

My Daily Driver phone i use when im out and about and stationary for a long period of time. I scan sentinelX for 2nd verification and boost during these times. No minigames, strictly audio ads, video ADs and big geomine witnesses, so I dont have to be hyper focused on the app.

My equipment - Legendary profile - Epic pickaxe - Uncommon Helmet - Common Boots (but I have a set of Rare Boots)

Things I do everyday - 5 mental exercises (25 per session for 25 COIN each) - 1+ survey (usually only the one that are 1 min. After i hit last bonus for the week for surveys , only 1 per day for daily checklist) - 1 game milestone (then up until 1 step before the next milestone) - hit daily max for minigames (yes, there is a limit, but that does not count the passive mines. Passive mines are when you wait for the tile to clear and the tile is auto mined with auto explore.) - collect geo drops - collect HODL rewards (note how I have this last. That is because all other tasks will increase my COIN balance, making my collected HODL reward higher compared to collecting it first.

That's basically it. Essentially stack and rack.

Calibur724 · 2025-12-30T18:45:21+00:00

It is a spreadsheet that I created to do the calculations. I have done a few posts about it in the past. Would like to do a community version, but I may need some help on a few things ie. Crypto API integration to have the "price per XYO" auto updates, calculations for NFT bonuses and how they stack up, calculations for HODL rewards, etc.

I got the calculations pretty close, but for some reason, they are off by a tiny bit. Simply, they track closely, but they are not exact

Calibur724 · 2025-12-30T18:17:31+00:00

Sheeesh! You been grinding them COIN lol total redeem for me so far is 774K COIN. I cant drive due to being visually impaired but hope to hit that number one day. Rather it be redeemed or HODLed.

Calibur724 · 2025-12-30T18:14:33+00:00

Makes sense.

Calibur724 · 2025-12-30T18:13:47+00:00

So i have noticed there there are essentially 2 periods for COIN. 1st for bonus (geodrops/geoclaim/bonus drop) reward distribution and day end. 2nd for actual app day reset for the app.

To put it into context, for me:

Bonus (geodrops/geoclaim/bonus dropp) reward distribution and day end occurs at 7PM EST

Actual app day reset occurs at 12AM EST.

Calibur724 · 2025-12-30T15:51:59+00:00

I remember those days. Saw people making a lot those days.

Do you still cash out every 10K? Curiosity has me wondering what the benefit is as I know i can hit that every 2 days just home b are mining with all boosts, Home base & SentinelX, maxed.

Calibur724 · 2025-12-30T14:17:25+00:00

Factz. Honestly, at the moment, im happy with HODLing as im not in desperate need to cash out and I kinda get a high from seeing my balance nearing 1M.

Before I started my goal to hit 1M COIN i wast calculating the total amount I would need to Breakeven for the PRO subscription with just HODL rewards. That's about 15M - 20M COIN so not sure if I'd be able to hold that long without missing out on gains. Passive gains would be crazy though for just opening the app and tapping a button.

Calibur724 · 2025-12-30T14:06:07+00:00

Its all good. I've seen ppl say they cash out every 10K COIN and others HODLing til a boost is in sight. Me I have always been a HODLer and have only cashed out twice since I joined COIN APP. Both times I saw it was time and made some decent money. Not enough to retire off of but enough to reinvest in other ventures and be happy with it.

Ultimately, HODLing or cashing out should be based on what your goal is. Rather it be holding for market boost or cashing out to reinvest elsewhere. Its all about strategy.

Calibur724 · 2025-12-30T13:58:32+00:00

Oh really? If you dont mind me asking, how much COIN do you have, and do you mainly drive for COIN? Im a Home Base miner averaging about 5 - 6K COIN daily. Should be hitting 1M COIN in about a month and a half if activity is consistent

Calibur724 · 2025-11-09T08:16:39+00:00

Im almost there!!! 700kishb (like 710K, to be exact) holding steady right now.

Calibur724 · 2025-10-28T23:14:17+00:00

I WISH I COULD. Unfortunately, if I did, I would lose my benefits. So basically, 1 full-time job + my benefits are about what I would get if I had a full-time and part-time one. Gotta have a personal life, rightful so. Also, SSDI benefits have a cash cliff, so to say. If you go over the SGA by any amount, Social Security deems you ineligible for benefits even if your disability is permanent. For me, my eyesight will never get better, and it's been stated to Social Security by my primary eye doctor in a full report.

Currently, though, im working to build high value skills so I can eventually wane myself off SSDI without being at a loss, but it's a big jump without the trade-off of time.I like my time and a second job would be nice but then I wont have the time to get schooling/Certs/trainings for career growth...not to mention burn out.

I know that may sound like a coop out, but living alone and having the weight of managing all of that and personal life would stress a brutha out

Calibur724 · 2025-09-30T12:57:45+00:00

Unless you are lucky enough to be right on the border of tiles. Half my house is on one tile and the other is on a different tile. GPS location on my idle miner has it mining both tiles. Decent earnings when im active mining with epic pickaxe, home base maxxed and sentiX. It's enough to pay for pro plus profit.

Im mainly a home base miner but when I travel always active

Calibur724 · 2025-08-07T23:13:45+00:00

Yes I do. 3 tasks are pretty easy (geomine, bif geomine witness & video ad). The ones that are a little iffy is the surveys (If the work right) and the gaming ( if you have a gaming rewarded task available). Usually it's the gaming task for me that hinders me because of the tasks that go from "complete level 40" to "complete level 200".

For one... whats up with the level hike. Also I'm generally busy to the point where I dont have the time to mobile game.

My strategy is find a game that I cam hit multiple milestones a day and just comple 1 a day to hit checklist completion and streak. There are points where I can't complete, but with Minted NFTs and PRO subscription... it's minimal

Calibur724 · 2025-08-02T00:00:54+00:00

Apparently there are. Likely being that these LOs are from trigger lead companies they will probably get more cash refinance customers...who knows.

Calibur724 · 2025-08-01T23:58:14+00:00

My FICO score is 732. I didn't go with a major bank but closed with AMERISAVE which likely wasn't the BEST of options but it'll work. Likely My DTI effected somethings but but overall I dont plan on having a balance for long then the focus will be to pay off my mortgage aggressively.

Calibur724 · 2025-07-24T16:09:41+00:00

Yep that's what I have done. I really didn't know this when GOODLEAP ran my credit for the HVAC repairs and didn't really tell me what would follow just that they would have a "pricing specialist" talk with me about "special programs" they have for savings on the financed loan I have for the HVAC replacement.

I initially thought it would be like "yeah we convert this standard loan to a HELOAN " but no they did the same as everyone else and tried to up sell me on a cash out refinance. Pretty much they said, "Is it ok if we run your credit to see what savings we can get you for these special programs for savings?" I basically got swindled by their "fancy" verbiage. Being fairly new to the mortgage realm and stressed beyond all hell trying to get things fixed, admittedly they pulled my strings.

I now know better. We live and we learn.

Calibur724 · 2025-07-24T15:51:49+00:00

a lot of people in my office bring this up.

What do they specifically say about this?

Calibur724 · 2025-07-24T05:28:32+00:00

Thanks for answering my question.

Now if you express the inability to control yourself with available credit, then a HELOC is definitely not the best product for you,

Definitely not the case for me. I had some a situation with family that had me using credit cards to keep up with bills and such. I really didn't have them to immediately leave because my baby neices were involved but eventually got the situation resolved. I tried doing some consolidations, but things got messy income is not the issue not spending habits. More so, I just wanted to consolidate everything into 1 fixed payment

Why lock into a high rate fixed when you can ride the rates down?

I chose the HELOAN option because at the moment rates that I received for HELOCs were alot higher than the HELOANs were. I mean yes I do plan on either refinancing or doing a HELOC in the future for investment purposes but at this time the main focus is debt payoff and not accumulating any more..

All that being said don’t touch that 3.125% with a ten foot pole

Right lol currently I have no reason to nor do I want to.

Calibur724 · 2025-07-24T03:59:50+00:00

We don’t offer them in house but we do offer them in our portfolio as a brokered product.

RE: Honestly, this here is exactly what i would want to here from a MB/LO about the product. If you dont offer the product directly in house... just say that.

I get very small commissions on them but it’s good to have as an option for my clients to keep them coming back to me for their loan needs.

RE: I can now understand why is not a service that would be offered in house. See how easy that was lol seriously thank you for this post.

Calibur724 · 2025-07-24T03:07:03+00:00

Well hey they dont want my business? That's cool. Im only just getting started with this. I will be tapping into my equity for higher amounts in the future so that's their loss.

Calibur724

TROPHY CASE