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Attention incoming interns! Here's a list of TIPS I WISH I KNEW starting my intern year, some things you can start working on now and some less commonly discussed but very important parts of your job

It’s that time of year and yet again I’ve seen plenty of incoming interns asking what they can do to prepare. I wrote this post to share some tips for all of the not-exactly-medical stuff I wish I knew before I started intern year and to share a few things that interns can do before they start to feel like they’re well prepared for the long white coat.
As a quick background, I was a surgery intern in the first half of the 2010s and much of this is informed by my notes and memories from that time in addition to everything I’ve learned since, particularly about professionalism both in medicine and in the business world with work I’ve done in the healthcare startup arena. I’m also not perfect and very much a work in progress myself and, outside the intern-specific items here, I try to do most of these things myself—sometimes more successfully than others.
So take what you think are good ideas here, leave what you don’t think would be useful, and if anyone else has anything to add, please feel free to chime in.
TL;DR: Intern year is hard. Here are some not-so-commonly-disucussed tips that may help.

Mindset

1. Being an effective intern is, at its core, about being responsible, effective and reliable.

Your day to day responsibilities are nearly always dominated by the need to get things done and to do so in a manner that lets your other team members focus on their own roles and responsibilities. What about learning clinical medicine? You'll learn plenty and fast. Don't worry.
When reading through these tips below, view them from an angle of “would this help me develop an effective system for making sure everything gets done and nothing falls through the cracks?”

2. For your in-the-hospital life as well as your outside-the-hospital life, remember this one thing: you will forget.

You will be busy and have responsibilities in a way you likely have never experienced before. This will naturally make the day-to-day things in life more difficult than you’re used to so developing ways to outsmart your forgetful brain will pay off.

3. You are a professional now. This is your career. You’re in it.

It’s easy to view your life as a trainee as a sort of advanced student or something in between a student and a “real doctor”. But that’s not true. View yourself as a professional building your career. Your intern year is just the first step of that career. You’re a real doctor as much as any other now.

4. One of the hardest things about being an intern or resident is dealing with feelings of isolation. It will take work to actively manage and overcome those feelings.

Imposter syndrome, feeling like you don’t know what you’re doing or that you don’t belong, feeling like you’re not the person you used to be, that you don’t have time to do all the “normal” things that other people do, thinking your co-residents or attendings think you’re dumb, feeling that you don’t have time for friends/family/hobbies, ruminating on “what if I screw this up and hurt a patient?”, or “this doesn’t matter -- the patient is going to XX or YY anyway” etc are all common feelings and they all share the same undercurrent of feeling isolated in one way or another. You need to actively work to find ways to confront and overcome these feelings or else they will control you. When they control you, you’re burned out.
It may not seem like it at first, but nearly every single tip below is geared towards avoiding feelings of isolation. Feeling like you’re not in control of your finances will make you feel isolated. Feeling like you’re losing a handle on your relationships will make you feel isolated. Feeling like you’re behind on your email and haven’t done all the little things in life you need to do will make you feel isolated. Read these tips through that lens.

What you can do before you start

1. Organize and update your contacts. Seriously.

Here are some ways it can help you maintain and grow your relationships.
  • Use the ‘Notes’ feature in your contacts for everyone important in your life and all the new people meet.
    • You will forget your friends’ kids names and ages. Every time you get a birth announcement or see a post on social media, go to your friend’s contact, edit the notes and put in the info. Then, when you reach out to your friends, ask about their kids...by name.
    • You will forget your friends’ boyfriend/girlfriend/wife/husband/partner’s name, especially if you’ve never met them or haven’t seen them for a long time. Put their name in your friends’ card with a note like “Started seeing Sam in June 2020, he/she’s a software engineer”. Someone you know gets married? Add their wedding date to their card.
    • You will forget how you knew people in your contacts. Met at a conference? Was a medical student on your heme onc service? Friend-of-a-friend you met at a wedding? Someone shares an interest you have? Make a note in their contact card. Tip: these notes are for you, not them. So if someone reminds you of an actor, or didn’t stop talking about bitcoin, make a note. It will help because you will forget.
  • Tag your contacts or add them to lists and use those tags/lists to your advantage.
    • Make lists or tags for your family, your medical school friends, your undergrad friends, your coresidents, your attendings, your medical students, the hospitals you’ll be working at, etc. Put those lists or tags to use like this:
      • You will forget to stay in touch with people important to you. Set reminders in your phone for every week / two weeks / month, etc to pull up a list (family, medical school friends, etc), pick someone on that list you haven’t chatted with in a while and text them and ask them how they’re doing. Aim to start a conversation, ask about what’s happening in their life. Texts are more personal and meaningful than liking a post on social media or sharing a meme. Initiating conversations with your friends and family will help you feel connected and will increase the likelihood they reach out to you.
      • Don’t label your medical students like “MS3 Laura” or “Sub-I Juan”, etc. Label them with their full name and treat them like the colleagues they are. Put them on a list, clear it out next year if you want, but don’t treat them as “MS3 XXX“ or “MS4 YYY”. I’m sure you remember feeling like a nameless/faceless medical student at times in school and I’m sure you didn’t love it. So don’t repeat that behavior. Add a note or two about them while you’re at it. Take enough interest in your medical students to treat them well. You never know when or how you’ll cross paths with them again.
      • If you rotate through different hospitals, you will forget which “ED” or “PACU” or “nursing station 3rd floor” numbers are which. Tag them or put them on a list. It’ll make finding them when you need them much easier.

2. Use a good note taking app and a good task manager app to help with both your in-hospital life and your outside-of-the-hospital life.

Here are some ways to use a notes app.
  • Make a note for each rotation you’re on. Add in any unstructured tips as they come up, like “Send all of Dr. X’s patients home with Y”, “Use the call room in the basement outside of the locker room, passcode 1234”, “Park in the X lot on the weekends”, “Dr. A likes to manage Z with Y”, “The case manager, NAME, usually sits at the computer behind the 2nd floor nurses station”, etc. Don't overthink them, just write them down when they come up. Review those notes the next time you rotate through because you will forget all those little things and they will help you in the future.
  • Create a master grocery list of all things you typically get at the grocery store. Share it with a roommate/partner so they can keep it updated too. That way if you ever stop to pick something up, you can review the list to make sure there’s nothing you’ll forget.
    • Make master lists for other things in your life too like “packing for a conference”, “packing for a family trip”, “Target/Wal-Mart household master list” so you can quickly review anytime something comes up so you minimize the chance of forgetting something
  • Make notes for all of the other stuff you have to manage in your life like your car, your apartment/house, your loans, etc and update them every time you work on that thing. Change your loan repayment? Add it to the note. Have to get your brakes fixed? Add to the note where you got it done, how much it cost, etc. Talk to your landlord about fixing the shower? Add it to the note. Have to call the medical board to sort something out with a license? Add it to the note.
  • I like two note apps on iOS: Bear for personal notes since it’s fast and has great tagging and Apple’s Notes app for shared notes
Pick a good task manager app and use it for all the things in your life that aren’t your day-to-day work
  • Cousin getting married and you can go to the wedding? Make tasks to ensure your time off, book your travel, buy a gift, rent a hotel room, etc. Then put all the relevant info into your note because...you will forget.
  • Pandemic is over and you get to present a poster at a conference? Make tasks to review your draft with your coauthors, print your poster, book your travel, submit your reimbursement, etc. Then put all the relevant info into a note. Otherwise, you’ll forget.
  • I like Things and have also liked OmniFocus. There is a ton of content on how to set one of these things up for productivity so review it and use it YouTube search

3. Take charge of your finances

When I was an intern, I figured all I had to do was pay my loans and not go into more debt. I wish I had done the following instead:
  1. Read these two books: The White Coat Investor and I Will Teach You To Be Rich. Both are very good and have different strengths. The WCI is directly applicable to you and will help educate you in ways medical school didn’t about your financial future. IWTYTBR is much more of a “millennial” book but it’s very good for explaining big concepts and for providing a system to set yourself up for success. They’re both easy and relatively quick reads and don’t require any financial background. WCI is fine as an e-book but IWTY has a bunch of dialog boxes that make the e-book a poor experience, get a physical new or used copy.
  2. Set up a budget. I use and swear by You Need A Budget. It’s the best money I spend every year. Their system is easy and straightforward and it doesn’t take long to get the hang of it. I can’t recommend it highly enough.

4. Update your CV now and keep it updated regularly

You will no doubt have to share your CV with someone at some point whether it’s for fellowship or a research project or any number of things. The time to work on it is not when someone says “can you share your CV?” -- that’s a recipe for omissions, typos and mistakes. The only thing you should be doing every time you share your CV is giving it a quick once-over to make sure you don’t spot any mistakes and to make sure it’s up to date
There are plenty of templates online and your training institution may even have a preferred format somewhere on their website. Your ERAS application will give you a good head start but most of your medical school CV lines will either be condensed or removed all together unless something was particularly notable. You can almost always find example CVs online from senior people in your department or institution with a quick web search -- use a few as a guide
Set a reminder / task to update your CV at regular intervals. Quarterly is good, yearly at least. Save new versions of it each time so you can refer to the old ones if you need to and name them in a way to let you know you’re always sharing the most recent version, e.g., LASTNAME_FIRST NAME_CV_2020-06. You will forget if the one marked “CV” only is the right one you want to share.

5. Subscribe to a couple of newsletters to stay up to date with the world outside of your hospital

  • For general news, your preferred newspaper probably has a daily email briefing. Otherwise, Axios AM/PM and Politico’s Playbook are both very good quick reads to stay up to date with current events.
    • Keep up with healthcare news so you know what’s going on in the healthcare system broadly
      • Axios Vitals is a great, quick daily healthcare news update
      • Politico’s Pulse and Morning eHealth are both very good and have quick facts at the beginning if you just want to skim
      • Rock Health’s Rock Weekly is a decent summary of each week in the healthcare startup and technology world
Pick a few of these and aim to get through them each day. If you can’t get through them, unsubscribe to the ones you think are least relevant to you so you never feel “behind” in staying up with the news. You can breeze through the few you pick in a few minutes here and there throughout the day -- don’t make it any harder than that to feel like you’re “up to date” on the news.

General tips for maintaining relationships

  • For any romantic relationship, do these things if you don’t already:
 1. Make a rule: no phones at the table. * Don’t put your phone on the table face-up. Don’t put your phone on the table face-down. Keep your phone off the table and set to silent. * Focus on the person in front of you and show them you care about them by paying attention to them. We all know what it feels like to be with someone more interested in their screen than in interacting with you. If you’re on call, say “sorry, I’m on call, I may have to check something here and there”, apologize if you do check it and then put your phone away. 2. Make another rule: no phones in bed * Same principle as at the table. Want to feel like two strangers just passing through life who just so happen to share the same bed? Wake up, reach for your phone and scroll through your feeds like a zombie before getting out of bed. Same idea before bed. Your phone can wait. 3. If you’re at the point where you share finances, set a regular meeting to review how you’re doing. * Ideally, this is a “red, yellow or green” meeting and should only take a few minutes. Money can be a big conflict issue for relationships and avoiding talking about money is a surefire way to eventually turn to conflict. If you have a budget and shared goals, this should be quick. * A monthly check-in is good. Create a recurring calendar event, attach the shared notes or spreadsheet document you use, add your goals for the meeting and honor the meeting when it comes around. 
  • Eat with people who are important to you, if you can.
    • There’s something about sharing a meal that’s special in human nature. Friends who are important to you? Partners? Mentors you’re looking to get to know better after you’ve had a few chats? Try to eat with them when you can. And keep your phone off the table.
    • The same idea works with your coresidents and teams in the hospital. Eat with them if you can. Eating with others builds, strengthens and maintains relationships. Keep your phone off the table if you can.
Think about it this way: who would you consider a better mentor, the person you’ve met with a few times in their office where they sit behind their desk and you in front of them while they glance at their computer screen every time it pings or the person who’s invited you to get coffee or food and they kept their phone away the whole time? Now turn that around and realize the power of the message you can send to people you care about by trying to eat with them and show them they have your full attention.

Hospital tips

1. Learn to think about tasks as a continuum from start to finish instead of as a binary 'done/not done'.

Let’s say you have to order a CT for a patient of yours.
  • Instead of marking the task as complete the second you place the order for the CT, recognize that the whole task is not just placing the order, but also knowing when your patient is going down to the scanner, when they’re back, when the CT is up in the system, when the report is up and also that you’ve looked at the CT yourself and have read the report.
  • When your senior or attending asks you, “Did patient X get their CT?”, a not-so-great answer is “Yes” or “No”. A better answer is “they’re down at the scanner now” or “the scan’s done but it hasn’t been read yet. Want to look at it?” or “Yes, it’s negative for XXX but did show YYY”.
Whatever system you eventually adopt for your day-to-day task management in the hospital, whether it’s a list or index cards or a printed signout sheet, make sure you’re tracking both when orders go in, when they’re complete, when they’re cancelled, etc. Just marking things as complete once you place the order isn’t enough.

2. Signout is taken, not given.

What I mean by this is that when you take signout, that means you’re accepting responsibility for those patients. They might be your patients, you might be cross-covering, it doesn’t matter. What matters is that when those patients are your responsibility, it’s your responsibility to get what you need to know to take care of them.
Is someone signing out to you in a hurry and not giving you what you need? Ask them for that relevant past medical history, those exam findings, and so on. It’s not enough for the person handing off to say “we’re worried about x or y”, you’ve got to follow that up with “in case of x or y, is there a plan for what the team wants me to do?”. Get the answers you need.
A lot of covering patients on call is playing defense whereas the primary team generally plays offense. But that doesn’t mean you can play defense in isolation. The last thing you want is for the primary team to feel surprised by your choices.
 * Here’s two ways for the above example to go when turning the patients you were covering back over the next day or whatever: 1. You: “For patient so-and-so, you said you were worried about x or y. Y happened.” Them: “What did you do?”. You: “Z”. Them: “Shit, my attending’s not gonna like that”. 2. You “Y happened so I did A like you said, it went fine and here’s the current status”. Them: “Great, thanks” * See the difference? 
  • Along the lines of taking responsibility for those patients, that means that if you couldn’t get the information you needed at signout then you have to go and see those patients and get the information you need yourself.
    • You’ll hear this idea said a bunch of different ways like “trust but verify”, “trust no one” and your comfort level will change over the year as you become more confident and comfortable. But always error on the side of going to see the patient and getting your own information at the start.

3. If you will be miserable without something when you’re in the hospital, bring it with you. You won’t reliably be able to find it at the hospital every time you need it.

  • Need coffee otherwise you turn into a demon? Bring it with you. You never know when you’ll get caught doing something and won’t be able to run to the cafeteria for your fix.
  • On call overnight and know you need food so you don’t go insane? Bring it with you. Here’s a hospital food rule: never rely on the hospital's ability to feed you. The hospital will let you down sooner or later, I guarantee it.
  • Know you always get cold on call? The day you forget your jacket/sweatshirt is the day you won’t be able to find a spare blanket in the hospital to save your life. Put a backup in your locker (if your hospital respects you enough to give you one).

Miscellaneous productivity, professionalism and lifestyle tips

1. Aim to “touch” everything only once

  • Example: your physical mail. You know, the stuff made of dead trees that accumulates in that box you check every once in a while. For every piece of mail you get, you should either trash it, file it, or act on it. Don’t touch it until you’re ready to do one of those things.
  • Example: your email. Either delete it, archive it, reply to it or do the thing it’s telling you to do right away. Don’t fall into the trap of using your inbox as a to-do list -- that’s a recipe to get burned. Use a task manager for your to-do list and aim to keep your inbox at zero. Realize that email’s true power is communication and use it as a communication tool and nothing else.
  • I’ll use the example of going to a wedding again as something to “touch once”. Aim to accomplish all the tasks at once or at least create tasks and reminders to complete those tasks all in one go. Respond to the RSVP, create the calendar invite with all the information from the invitation, share the calendar event with your date, book your travel, book your hotel, book your rental car, buy your gift from the registry and set a reminder to get your suit/dress cleaned a few weeks ahead, etc.

2. Lean to use your calendar as a tool

Professionals in the “real world” tend to live and die by their calendars. Some people, especially many senior people in medicine, don’t manage their own calendars. But you manage yours. With it you can:
  • Make sure all events—even small ones like dates or errands you want to run—have locations so all you have to do is click the location for directions
  • Send invites to friends / family / coworkers for anything you talk about doing that has the relevant info
  • Make reminders for yourself to prepare for upcoming events, i.e.., don’t count on seeing your parents’/spouses’/whomever’s birthday “coming up” to remind you to get a gift or send a card. Create an event two weeks before their birthday that says “Buy Mom a birthday card”, set it to repeat yearly and buy a card when it comes up, send it a few days later and don’t worry that it won’t get there in time.

3. Learn to use email well

Ever get an email from someone and feel their tone was terse, condescending or rude? Don’t be that person. Error on the side being polite and professional and writing in complete sentences without textspeak. It’s not hard — you type fast, even with your thumbs, I’m sure of it.
  • Learn to communicate effectively. Keep it short but not terse. State why you’re writing to someone, be clear if you’re asking a question, and think about it this way: “How am I making it as easy as possible for this person to understand why I’m emailing them and do what I’m asking them to do?
  • Don’t use a canned salutation like “Best, NAME” or even worse: “Best, INITIALS”. Use your salutation to continue to communicate your message and remember that politeness and professionalism extend through your signature.
    • I don’t know why “Best,” is so common in medicine but it’s meaningless, unthoughtful, inherently passive aggressive and I seriously read it as if the person writing it were signing off by saying “Go f*ck yourself,”. Same thing for “Regards,” and its ilk, any abbreviation like “vr,” or any form of cutesy quote.
    • Write your salutation fresh each time. Did you ask someone for something? Say “Thank you for your help”. Are you writing someone senior to you and want to sound somewhat formal? “Sincerely,” never goes out of style. Are you sharing information and essentially writing a memo? Use “Please let me know if you have any questions”. Your salutation is communication, treat it that way.
    • Sign with your name, not your initials. Signing with initials is a common way senior people will try to remind you they’re senior to you. If you do it, it’s like you’re trying to prove you’re a Cool Guy Big Shot too. It never comes across well -- even for those senior people. Initials are terse. Lowercase initials are even terser. Although they may look different at first glance, all initial signatures functionally come across as ‘FU’. Write your name.
      • If it’s a few rounds back and forth of email, it’s normal drop salutations and signatures and treat email more like texting. Keep using complete sentences without textspeak, though. I promise you’ll come across better that way.
    • Use the ‘signature’ feature of your email client to share your professional details and contact information
      • Your institution (not department) will hopefully have a format for this that’s standardized and includes minimal or no graphics. If it doesn't, then I feel sorry for all the inevitable IT headaches you will eventually endure at your institution since they clearly underfund and undervalue contemporary IT and professional services. It’s the wild west out there so find some good examples of clean, professional signature formats and make one for yourself.
      • Note: this signature lives below your salutation and sign off. It’s essentially the letterhead for your email that lets your recipient fill in the details you may not otherwise provide like your department, mailing address or fax number. It’s not a replacement for signing off of your communication professionally.
    • Never use bold, italics, underlines or different font sizes in your emails. They only make emails harder to read and jumble your message.
  • If you want to highlight something, put it in a numbered or bulleted list.
    • If you can’t communicate what you want with 2-3 bulleted points, then email is not the right medium to use. Do you like reading long emails? Of course you don’t. Write a memo, attach it as a PDF or shared doc and use the email to tell your recipients to review the attachment.
  • You will eventually, in some way or another, ask someone to introduce you to one of their contacts and or refer you for something. Learn how to write a good forwardable email that utilizes the double opt-in concept and how to make it easy on the person doing you the favor. Read more here, here and here.
    • While you’re at it, understand the power of using CC and BCC to communicate effectively.
  • Aim to answer all emails written directly to you within 24 hours.
    • If you can’t respond fully right away, respond briefly saying you got the note and that you’ll work on it and get back to them. Set a reminder or create a task to do or review the thing and get back to them once you’ve done it.
    • Do you hate being left on read in text? You do it in email every time you don’t respond to someone in a timely fashion. It’s better to share a quick, “I got it and I’m working on it message” then not replying until days or weeks later.

4. Don’t let someone else’s negative energy and/or anxiety transfer to you

You will frequently experience things like this in the hospital:
  • A co-resident disagrees with a management decision made at rounds and mentions that so-and-so is an idiot. So-and-so probably isn’t an idiot. Your co-resident probably isn’t an idiot either. Form your own opinions from your own experiences.
  • A nurse pages you with a tone that says “THIS IS REALLY BAD”. It might be, go and see. And on your way, stay calm and go over the steps in your head of what you’d do if it is, in fact, REALLY BAD. But don’t freak yourself out before you even get to the room. You won’t be able to make decisions with a clear head if you’re already worked up.
  • You’re a surgery intern and all your patients are normally on the med-surg floor. Every once in a while, one goes somewhere like heme-onc if the med-surg floor is full. Someone on your team says something like “great, now they’re going to screw up our patient”. Recognize that that floor isn’t full of terrible nurses and may just have less experiences with lines and drains and that the best thing you can do is go down there, talk to the nurse and say “here’s what we want to be called about” and “this thing may look bad but it usually isn’t and we don’t need to be called, here’s why”, and so on. Doing things like this will mean you get fewer calls. Fewer calls are good.
  • Your attending is having a bad day and you’re not enjoying your interactions with them. Don’t let that make you have a bad day too. Medicine is hard enough as it is, stick to your own bad days instead adopting other people’s. Then pull up your friend list, text a buddy and feel better.

5. Don’t neglect your physical health. Trying to eat well and stay active are even more important when you’re insanely busy.

The #1 thing you can do to help your waistline is cook your own food and pack your own meals. It doesn’t matter what you cook or how good of a cook you are, as long as you’re aiming to pack meals that an adult would eat, it will be healthier than takeout and cafeteria food. It’s better for portion control, you control all the ingredients and you get a sense of satisfaction for being on the ball. It’s better in every way.
I know it’s not realistic to always prep and pack your own food on the busiest of services but you should try to hit at least a percentage like 25% or 50% of your meals. There are no lost causes in your own health.
It will be hard to exercise and work out. You should still try to do it anyway. You will go long stretches without exercising at times. Don’t beat yourself up about it. Every day is a chance to do the thing you want to do so get back out there.

6. If your social profiles are private, consider doing some housekeeping and making them public.

Instead of thinking about them as a liability to be that needs to be hidden, think about them as a narrative you can control.
Nothing is private on the internet. Even your private profile. You never know who knows someone you know or what may get screenshotted and shared down the line.
It’s natural to run a web search on anyone you’re meeting for a date, interviewing with for a job, or researching in general. When you search your own name, what comes up? What do you think when you’re searching for someone and they have a private page? Do you ever click on a few links to see professional stuff from LinkedIn, and then some social pages to see what else you learn? So does everyone else.
Use your social pages to put forward a version of you that shows who you are, shows some interests true to yourself, makes you seem like a totally normal and reliable person (which is exactly what any potential date, partner, fellowship director or hiring manager is asking themselves about you) and doesn’t share enough information to let a patient show up at your door.
Medicine lags behind other industries with people still commonly hiding behind private pages. In the tech world, it’s more strange to not have a public page. A private page says more about you that you might want to hide red flags whereas a public page says “go ahead and look, you won’t find any red flags”. One is much more powerful than the other.

Closing and something to read

When you view your professional life, it’s natural to view your professional relationships as being a binary one between patient and physician. That’s certainly essential and certainly important, but as a professional you now have relationships to consider with so many more types of people: co-residents, faculty in your department, faculty in other departments, administrators, support staff, medical students, and so on.
Just as you had to learn how to work with patients, you will have to learn to work with all of the other people in your professional life. Truly effective professionals will treat all interactions importantly and give thought and consideration to each one. All these interactions and relationships will all affect your day-to-day experience, your well-being and, ultimately, your professional experience.
You will find yourself being not just responsible for your patients, but also for yourself, your career and your relationships. It takes effort to succeed in all of those areas. And even with effort, sometimes you’ll be winning in an area and losing in others. And in a few months it will be different -- that’s just life.
I want you to consider looking outside of books and resources written specifically for physicians when you’re trying to tackle these issues inside the hospital and out.
Medicine is a much-smaller-than-you-realize bubble with a long history of personality-driven examples of “that’s just the way we do it” or “that’s how we’ve always done it”. There are good books about medicine out there, to be sure, but you’ll benefit more professionally by learning from the wide world outside of hospitals since there are quite simply many more successful and accomplished people who’ve written great resources for all aspects of professional life that medicine tends to ignore.
I’d recommend you start with this book: Andy Grove’s High Output Management (a review by another Valley titan here). Andy escaped communist Hungary, taught himself English and rose to be CEO of Intel and went on to be a sage of Silicon Valley before he passed. This book is a how-to guide for how to be an effective professional in an organization (hint: you're now a professional in an organization) and if you’ve enjoyed this post at all, you’ll love this book. You may think that this book applies to ‘managers’ and ‘business’ and not medicine but you couldn’t be more wrong. Although it was probably written around the time you were born, nearly everything in this book is a lesson that directly applies to your professional life in medicine and when you start seeing it, you’ll feel like you’re in The Matrix.
Congratulations! You've worked hard to get here. Be proud of yourself, your degree, your long white coat and be the best doctor you can be.
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Amazon.co.uk 70% 70%
Amazon.com 75% 75%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 35% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 35% NA
Disney Plus PM me PM me
eBay 70% 70%
Fandango4 50% NA
Gamestop 60% 60%
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes4 40% NA
J crew 40% 40%
JCPenney 25% 25%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 60% NA
Nordstrom 50% 50%
PSN4 50% NA
PSN Plus 12 month4 $26 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 50% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 60% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 $72/$36/$18/$6 NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • iTunes from anywhere but the US
  • Google Play from anywhere but the US
  • Hilton Honors
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to giftcardexchange [link] [comments]

[H] Apple Pay, Paypal, Skrill, CashApp [W] Amazon (CA, DE, ES, FR, IT, UK), B&N, Baskin Robins, Clothing Stores (Saks Macys J Crew etc) Delta, Disny Plus, Dunkin Donuts, eBay, Gyft, HBO, JCPenney, Microsoft, PSN, Target, Uber, Walmart, Xbox + More

Do not use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca and Amazon.co.uk cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors , Google Wallet, Paypal1, Skrill2, Square, and Apple Pay
Want ↓ Cash or a Gift Card ↓ NA ↓
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.com 75% 75%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 35% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 35% NA
Disney Plus PM me PM me
eBay 70% 70%
Fandango4 50% NA
Gamestop 60% 60%
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes4 40% NA
J crew 40% 40%
JCPenney 25% 25%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 60% NA
Nordstrom 50% 50%
PSN4 50% NA
PSN Plus 12 month4 $26 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 50% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 60% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 $72/$36/$18/$6 NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • iTunes from anywhere but the US
  • Google Play from anywhere but the US
  • Hilton Honors
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to GCTrading [link] [comments]

[H] Apple Pay, Paypal, Skrill, CashApp [W] All Your Gift Cards!

Do not use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca and Amazon.co.uk cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors , Google Wallet, Paypal1, Skrill2, Square, and Apple Pay
Want ↓ Cash or a Gift Card ↓ NA ↓
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.com 75% 75%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 35% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 35% NA
Disney Plus PM me PM me
eBay 70% 70%
Fandango4 50% NA
Gamestop 60% 60%
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes4 40% NA
J crew 40% 40%
JCPenney 25% 25%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 60% NA
Nordstrom 50% 50%
PSN4 50% NA
PSN Plus 12 month4 $26 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 50% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 60% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 $72/$36/$18/$6 NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • iTunes from anywhere but the US
  • Google Play from anywhere but the US
  • Hilton Honors
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to giftcardexchange [link] [comments]

$503 in Free Cash Bonuses + 5 Free Stocks - Sign Up for Chime, SoFi Money, Juno, Lively HSA, N26 Bank, Webull, Public, Moomoo, M1 Finance, SoFi Invest, Robinhood, Travala, Airbnb, Raise Gift Cards, Rakuten/eBates - Bank, Stock & Travel Apps

$503 in Free Cash Bonuses + 5 Free Stocks - Sign Up for Chime, SoFi Money, Juno, Lively HSA, N26 Bank, Webull, Public, Moomoo, M1 Finance, SoFi Invest, Robinhood, Travala, Airbnb, Raise Gift Cards, Rakuten/eBates - Bank, Stock & Travel Apps
Get up to $503 in free cash bonuses and up to five (5) free stocks (valued up to $2250 total) from banks, stocks, and services like Chime ($50 Bonus), SoFi Money ($25 Bonus), SoFi Loans ($100 Bonus), Juno ($25 Bonus), Lively Health Savings Account ($35 Bonus), N26 Bank ($10 Bonus), Travala ($50 Cash), Airbnb ($48 Off), Raise Gift Cards ($15 Bonus), and Rakuten/eBates ($10 Bonus).
Commission free stock trading apps are offering a free stock with no deposit required like Public, Robinhood and Webull or a small deposit like SoFi Invest, Moomoo, and M1 Finance.
Bank and stock bonuses are only available to US customers.
Chime, SoFi Money, Juno, and N26 are the easiest/fastest to earn the bonuses with small deposits/transactions. Only Lively HSA requires a larger deposit.
More details below! Be sure to use each link to get the bonuses and thank you!

Chime ($50 Cash Bonus)

Open a Chime Checking Account (https://chime.com/davidsilva31) and get a $50 cash bonus instantly after you receive a direct deposit of $200 or more within the first 45 days (like bank-to-bank deposit)!
Your Chime checking account has no monthly fees with free Visa debit card and FDIC protection on your money. There's no credit check, no ChexSystems, and no hidden fees. You can close the account at any time after receiving the cash bonus!
A direct deposit can be a payroll deposit from an employer or a bank-to-bank transfer initiated from the other bank to your Chime account like Ally Bank, Discover Savings, Chase or using the Cash App to trigger the $50 cash bonus!
Please use my referral link to signup and receive the bonus - https://chime.com/davidsilva31
Thank you!

SoFi Money ($25 Cash Bonus)

Open a new SoFi Money Account (https://www.sofi.com/invite/money/?gcp=ce6c068a-c7d8-4fea-9c19-9cf28a74e581) today and get $25 cash bonus when you fund your account with an initial deposit of $500 or more (any type of deposit like bank-to-bank money transfer).
It’s a combined checking and savings account but better because SoFi Money earns 0.20% APY on the money you save with no banking fees and use any ATM worldwide that accepts Visa and SoFi will reimburse you for the fees.
It’s an easy way to get $25 cash without any hassle other than an initial deposit of $500 or more (any type of deposit like bank-to-bank money transfer or direct deposit)! Sign up for your SoFi Money account at https://www.sofi.com/invite/money/?gcp=ce6c068a-c7d8-4fea-9c19-9cf28a74e581
Thank you!

SoFi Loans ($100 Cash Bonus)

Need to refinance a student loan or need a personal loan? SoFi Loans (https://www.sofi.com/share/1919989) is offering a $100 cash bonus when your loan is approved and funded by SoFi. It takes a 2 minutes to submit your application and get qualified. Plus SoFi offers low rates and no fees.
Fixed personal loan rates range from 5.99% APR to 18.82% APR (with AutoPay) with no origination fees, no pre-payment fees, and no late fees. You can request a personal loan amount between $5,000 to $100,000.
Refinancing your student loans with SoFi is a great solution for working graduates who have high-interest, unsubsidized Direct Loans, Graduate PLUS loans, and/or private loans.
To apply for a personal loan or refinance a student loan, visit https://www.sofi.com/share/1919989 and SoFi will give you a $100 cash bonus when your loan is approved and funded.

Juno ($25 Cash Bonus)

Receive a free $25 cash bonus when you open a free Juno high yield checking account (https://bankonjuno.com/referral/DAVIzcL5) and make an initial deposit of $1000 or more!
Juno is a digital bank in the United States providing a free high-yield checking account with 2.15% APY interest, free debit card, and no minimum balance fee, no ATM withdrawal fee and no foreign transaction fees. Plus your deposits are FDIC insured up to $250,000.
You'll also receive 5% cash back on purchases made with merchants like Amazon, Netflix, Costco, Uber and Starbucks!
Juno is expected to go LIVE by mid-May but get Priority Access by connecting your bank account and get a free $25 cash bonus after deposit of $1000 or more!
Sign up today for Juno to get priority access and a free $25 cash bonus - https://bankonjuno.com/referral/DAVIzcL5

Lively HSA ($35 Cash Bonus)

Lively is the best Health Savings Account (HSA) to save, invest, and pay for your healthcare expenses with no account fees, free debit card, and free to invest your HSA like a 401(k) into no-fee ETFs, mutual funds and stocks from TD Ameritrade! Plus account funds are FDIC insured and interest bearing too!
Open a new Lively HSA Account and get a $25 bonus when you contribute at least $1,000 within 90 days plus another $10 bonus if you maintain an average daily balance of at least $2,000 in the first 12 months. To get the signup bonuses, visit https://secure.livelyme.com/referral/invite/?referrersOwnerId=6b9ed5e9-c864-491e-9ef2-5d990e355fc6
As you know, a health savings account is one of the best decisions you can make for your healthcare and financial wellbeing. With healthcare costs continuing to rise, more and more people may benefit from the peace of mind that comes with a simple and modern HSA from Lively.
Sign up with my referral link and thank you! - https://secure.livelyme.com/referral/invite/?referrersOwnerId=6b9ed5e9-c864-491e-9ef2-5d990e355fc6

N26 Online Bank ($10 Cash Bonus)

Open an N26 Mobile Bank Account (https://n26.com/davids8457) today and get $10 cash bonus after you spend $10 on your new N26 debit card. N26 has no monthly fees, no foreign transaction fees, and free ATM withdrawals plus your money is FDIC insured!
It takes only 5 minutes to signup and an easy way to get $10 without any hassle other than spending $10 on your new N26 card. Visit https://n26.com/davids8457 or use promo code davids8457
Thank you!

Webull (2 Free Stocks up to $1400)

Sign up for Webull (https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02) and receive a free stock (valued $2.50-$250) when you open a stock brokerage account (within 24 hours) with no deposit required.
Plus, if you make an initial deposit of $100 or more within 30 days, you'll get another free stock worth between $12 to $1400!
That's two free stocks! Webull is available on Android and iOS!
Webull is registered and regulated by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). It is also a member of the SIPC which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash).
Remember to sign up and get your two free stocks after $100+ deposit at https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02
Thank you!

Public (1 Free Stock up to $50, No Deposit Required)

Sign up for Public (https://share.public.com/domaindave), a commission-free stock trading app for iOS and Android, and receive a free stock slice worth up to $50 when you open a new trading account. No deposit required to receive your free stock!
It takes about 5 minutes to sign up! Please visit the link using your iOS or Android phone to download the app. Within 24 hours, I received a $25 slice of Apple stock when I opened a Public account!
Public allows you to buy a slice of any stock like Apple, Tesla, and Google for as low as $5 with no trading fees and your Public stock trading account is SIPC insured up to $500,000.
Be sure to use my Public signup link on your mobile phone to get your free stock with no deposit required - https://share.public.com/domaindave
Thank you!

SoFi Invest ($75 Cash Bonus)

Open a SoFi Invest Account (https://www.sofi.com/share/invest/1919989) today and get a $50 cash bonus to invest in ANY stock or ETF with no trading fees!
Just open a SoFi Invest Account with an initial deposit of $1000 or more and SoFi will instantly give you a $50 cash bonus to invest in any stock which you can sell and cash out the money back to your bank account.
Plus get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
I love SoFi Invest because you can invest in any stock or ETF like Apple, Amazon or Google for as low as $1 with fractional share investing and no fees to buy or sell! Be sure to signup at https://www.sofi.com/share/invest/1919989
Thank you!

Moomoo (1 Free Stock up to $1000)

Sign up for Moomoo Commission Free Stock Trading App (https://j.moomoo.com/001zFH) and open a trading account and you're guaranteed to receive a free stock (valued between $10-$1000) when you make an initial deposit of $500 or more.
You'll have a 1 in 250 chance to win a free stock in Tesla, Netflix, Apple or Facebook and 1 in 100 chance to win a free stock in Microsoft, Disney, Starbucks or IBM.
You don't need to buy stocks with your deposit. You can simply get your free stocks, sell it and cash out back to your bank. It took me about 20 minutes for my account to get verified and receive my free stock within 3 days after my initial deposit cleared.
Moomoo (Futu Inc.) is a member of FINRA and SIPC so your account is protected up to $500,000. Moomoo app is available for iOS and Android!
Be sure to signup with my referral link to get your free stocks! - https://j.moomoo.com/001zFH
Thank you!

M1 Finance ($10 Cash Bonus)

Sign up for a free M1 Finance stock trading account (https://m1.finance/wG5ouGBolHyU) and you'll get a $10 cash bonus after you make an initial deposit of $100 or more when you open a taxable (non-retirement) account. You can choose to invest the cash bonus or withdrawal the money to your bank!
If you open a taxable (non-retirement) account, then you must make initial deposit of $100 or more to get $10 cash bonus. If you open an IRA account, then you must make initial deposit of $500 or more to get bonus and open a taxable (non-retirement) account.
M1 Finance allows you to buy fractional shares as low as $0.01 on stocks and ETFs like Tesla, Amazon, and Google with no trading/commission fees plus there are no monthly fees or account minimums. You can open a regular investment, IRA, and/or Roth IRA account plus your accounts are SIPC and FDIC insured!
Be sure to use my M1 Finance signup link - https://m1.finance/wG5ouGBolHyU
Thank you!

Robinhood (1 Free Stock up to $200)

Sign up for a free Robinhood stock trading account (http://invite.robinhood.com/davids2005) and you'll get a free stock valued up to $200 instantly (like Ford, Apple or Facebook) with no deposit required! Its free money just for signing up!
Robinhood offers commission-free trading on stocks and ETFs via web and mobile plus your account is SIPC insured! Plus you can signup for a free Cash Management Account with 1.80% APY interest on cash (FDIC insured up to $1.25 million), free Mastercard debit card, no foreign transaction fees, no account minimums and no fee 75,000+ ATMs.
Be sure to use my Robinhood signup link and thanks! - http://invite.robinhood.com/davids2005
Thank you!

Travala ($50 Cash Back)

Travala offers the best deals on over 2+ million hotels, apartments, and resorts globally in partnership with Booking.com! Sign up on Travala (https://www.travala.com/ref/QE7QUJ) and make your first booking of US $200 or more (equivalent in your currency), you'll earn US $50 worth of AVA rewards to your Travala.com wallet after your completed stay at the property.
For instance making your first booking of €180 or more will earn you €45 in cash back, £160 or more will earn you £40 in cash back, and CA$260 or more will earn you CA$65 in cash back.
The $50/€45/£40 in cash back with AVA rewards can be cashed out or used for future Travala booking. Message me if you need advice on cashing out your AVA rewards to your bank account.
Remember to sign up with my referral link - https://www.travala.com/ref/QE7QUJ
Thank you!

Airbnb ($48 Off)

Airbnb is a great way to travel! Sign up on Airbnb (https://www.airbnb.com/c/dsilva21) and you'll get $48 towards your first trip on Airbnb when you signup for a new account. You’ll get $33 off your first home booking of $73 or more and $15 off an experience of $50 or more!
Remember to use my referral link - https://www.airbnb.com/c/dsilva21
Thanks again and happy travels!

Raise.com ($5 Cash Bonus + $10 Off)

Sign up on Raise.com (https://geta.raise.com/DSILVA7257) and get $5 in free cash towards your first purchase any gift card. Plus use code 10EXTRA during checkout to get an additional $10 off your first gift card purchase.
Raise.com is a place to buy discounted gift cards at many favorite stores like Walmart, Target, Dominos, Apple, IKEA, Old Navy, Home Depot, DSW, Bed Bath & Beyond, Michaels, and so much more.
Please note that you must spend at least $1 of your own money to receive the $5 credit. In other words, if you buy a $6 gift card, then Raise will discount the purchase $5 and you only have to pay $1.
Visit https://geta.raise.com/DSILVA7257 and signup to get your $5 credit towards your first purchase of any gift card. Remember to use promo code 10EXTRA during checkout for additional $10 off any gift card.
Thank you!

Rakuten/eBates ($10 Cash Bonus)

Sign up for Rakuten (https://www.rakuten.com/DKSILV6?eeid=28187) and get a $10 cash bonus after you spend $25 or more shopping at your favorite online stores! There's over 2500+ stores to earn cash back bonuses from 1% to 20% when you shop at Amazon, eBay, Nike, Target, and Kohls.
Rakuten pays out the cash back earned every quarter (every 3 months) by mailing a check to your home address or via PayPal if your cash back balance is over $5.
Visit https://www.rakuten.com/DKSILV6?eeid=28187 to get your $10 cash bonus after making $25 or more on online shopping purchases.
Thank you!

https://preview.redd.it/ljm5ul4591c51.png?width=2394&format=png&auto=webp&s=c87df72755315c318ec0d1ec999f2a9592c7cbb0
submitted by cryptomiles to Referral [link] [comments]

/r/Scams Common Scam Master Post

Hello visitors and subscribers of scams! Here you will find a master list of common (and uncommon) scams that you may encounter online or in real life. Thank you to the many contributors who helped create this thread!

If you know of a scam that is not covered here, write a comment and it will be added to the next edition.

Previous threads: https://old.reddit.com/Scams/search?q=common+scams+master+post&restrict_sr=on
Blackmail email scam thread: https://old.reddit.com/Scams/comments/g8jqnthe_blackmail_email_scam_part_5//
Some of these articles are from small, local publications and refer to the scam happening in a specific area. Do not think that this means that the scam won't happen in your area.

Spoofing

Caller ID spoofing
It is very easy for anyone to make a phone call while having any number show up on the caller ID of the person receiving the phone call. Receiving a phone call from a certain number does not mean that the person/company who owns that number has actually called you.
Email spoofing
The "from" field of an email can be set by the sender, meaning that you can receive scam emails that look like they are from legitimate addresses. It's important to never click links in emails unless absolutely necessary, for example a password reset link you requested or an account activation link for an account you created.
SMS spoofing
SMS messages can be spoofed, so be wary of messages that seem to be from your friends or other trusted people.

The most common scams

The fake check scam (Credit to nimble2 for this part)
The fake check scam arises from many different situations (for instance, you applied for a job, or you are selling something on a place like Craigslist, or someone wants to purchase goods or services from your business, or you were offered a job as a mystery shopper, you were asked to wrap your car with an advertisement, or you received a check in the mail for no reason), but the bottom line is always something like this:
General fraudulent funds scams If somebody is asking you to accept and send out money as a favour or as part of a job, it is a fraudulent funds scam. It does not matter how they pay you, any payment on any service can be fraudulent and will be reversed when it is discovered to be fraudulent.
Phone verification code scams Someone will ask you to receive a verification text and then tell you to give them the code. Usually the code will come from Google Voice, or from Craigslist. In the Google version of the scam, your phone number will be used to verify a Google Voice account that the scammer will use to scam people with. In the Craigslist version of the scam, your phone number will be used to verify a Craigslist posting that the scammer will use to scam people. There is also an account takeover version of this scam that will involve the scammer sending a password reset token to your phone number and asking you for it.
Bitcoin job scams
Bitcoin job scams involve some sort of fraudulent funds transfer, usually a fake check although a fraudulent bank transfer can be used as well. The scammer will send you the fraudulent money and ask you to purchase bitcoins. This is a scam, and you will have zero recourse after you send the scammer bitcoins.
Email flooding
If you suddenly receive hundreds or thousands of spam emails, usually subscription confirmations, it's very likely that one of your online accounts has been taken over and is being used fraudulently. You should check any of your accounts that has a credit card linked to it, preferably from a computer other than the one you normally use. You should change all of your passwords to unique passwords and you should start using two factor authentication everywhere.
Boss/CEO scam A scammer will impersonate your boss or someone who works at your company and will ask you to run an errand for them, which will usually be purchasing gift cards and sending them the code. Once the scammer has the code, you have no recourse.
Employment certification scams
You will receive a job offer that is dependent on you completing a course or receiving a certification from a company the scammer tells you about. The scammer operates both websites and the job does not exist.
Craigslist fake payment scams
Scammers will ask you about your item that you have listed for sale on a site like Craigslist, and will ask to pay you via Paypal. They are scamming you, and the payment in most cases does not actually exist, the email you received was sent by the scammers. In cases where you have received a payment, the scammer can dispute the payment or the payment may be entirely fraudulent. The scammer will then either try to get you to send money to them using the fake funds that they did not send to you, or will ask you to ship the item, usually to a re-shipping facility or a parcel mule.
General fraudulent funds scams The fake check scam is not the only scam that involves accepting fraudulent/fake funds and purchasing items for scammers. If your job or opportunity involves accepting money and then using that money, it is almost certainly a frauduent funds scam. Even if the payment is through a bank transfer, Paypal, Venmo, Zelle, Interac e-Transfer, etc, it does not matter.
Credit card debt scam
Fraudsters will offer to pay off your bills, and will do so with fraudulent funds. Sometimes it will be your credit card bill, but it can be any bill that can be paid online. Once they pay it off, they will ask you to send them money or purchase items for them. The fraudulent transaction will be reversed in the future and you will never be able to keep the money. This scam happens on sites like Craigslist, Twitter, Instagram, and also some dating sites, including SeekingArrangement.
The parcel mule scam
A scammer will contact you with a job opportunity that involves accepting and reshipping packages. The packages are either stolen or fraudulently obtained items, and you will not be paid by the scammer. Here is a news article about a scam victim who fell for this scam and reshipped over 20 packages containing fraudulently acquired goods.
The Skype sex scam
You're on Facebook and you get a friend request from a cute girl you've never met. She wants to start sexting and trading nudes. She'll ask you to send pictures or videos or get on webcam where she can see you naked with your face in the picture. The scam: There's no girl. You've sent nudes to a guy pretending to be a girl. As soon as he has the pictures he'll demand money and threaten to send the pictures to your friends and family. Sometimes the scammer will upload the video to a porn site or Youtube to show that they are serious.
What to do if you are a victim of this scam: You cannot buy silence, you can only rent it. Paying the blackmailer will show them that the information they have is valuable and they will come after you for more money. Let your friends and family know that you were scammed and tell them to ignore friend requests or messages from people they don't know. Also, make sure your privacy settings are locked down and consider deactivating your account.
The underage girl scam
You're on a dating site or app and you get contacted by a cute girl. She wants to start sexting and trading nudes. Eventually she stops communicating and you get a call from a pissed off guy claiming to be the girl's father, or a police officer, or a private investigator, or something else along those lines. Turns out the girl you were sexting is underage, and her parents want some money for various reasons, such as to pay for a new phone, to pay for therapy, etc. There is, of course, no girl. You were communicating with a scammer.
What to do if you are a victim of this scam: Stop picking up the phone when the scammers call. Do not pay them, or they will be after you for more money.
Phishing
Phishing is when a scammer tries to trick you into giving information to them, such as your password or private financial information. Phishing messages will usually look very similar to official messages, and sometimes they are identical. If you are ever required to login to a different account in order to use a service, you should be incredibly cautious.
The blackmail email scam The exact wording of the emails varies, but there are generally four main parts. They claim to have placed software/malware on a porn/adult video site, they claim to have a video of you masturbating or watching porn, they threaten to release the video to your friends/family/loved ones/boss/dog, and they demand that you pay them in order for them to delete the video. Rest assured that this is a very common spam campaign and there is no truth behind the email or the threats. Here are some news articles about this scam.
The blackmail mail scam
This is very similar to the blackmail email scam, but you will receive a letter in the mail.
Rental scams Usually on local sites like Craigslist, scammers will steal photos from legitimate real estate listings and will list them for rent at or below market rate. They will generally be hesitant to tell you the address of the property for "safety reasons" and you will not be able to see the unit. They will then ask you to pay them a deposit and they claim they will ship you the keys. In reality, your money is gone and you will have no recourse.
Craigslist vehicle scams A scammer will list a vehicle on Craigslist and will offer to ship you the car. In many cases they will also falsely claim to sell you the car through eBay or Amazon. If you are looking for a car on Craigslist and the seller says anything about shipping the car, having an agent, gives you a long story about why they are selling the car, or the listing price is far too low, you are talking to a scammer and you should ignore and move on.
Advance-fee scam, also known as the 419 scam, or the Nigerian prince scam. You will receive a communication from someone who claims that you are entitled to a large sum of money, or you can help them obtain a large sum of money. However, they will need money from you before you receive the large sum.
Man in the middle scams
Man in the middle scams are very common and very hard to detect. The scammer will impersonate a company or person you are legitimately doing business with, and they will ask you to send the money to one of their own bank accounts or one controlled by a money mule. They have gained access to the legitimate persons email address, so there will be nothing suspicious about the email. To prevent this, make contact in a different way that lets you verify that the person you are talking to is the person you think you are talking to.
Cam girl voting/viewer scam
You will encounter a "cam girl" on a dating/messaging/social media/whatever site/app, and the scammer will ask you to go to their site and sign up with your credit card. They may offer a free show, or ask you to vote for them, or any number of other fake stories.
Amateur porn recruitment scam
You will encounter a "pornstar" on a dating/messaging/social media/whatever site/app, and the scammer will ask you to create an adult film with hehim, but first you need to do something. The story here is usually something to do with verifying your age, or you needing to take an STD test that involves sending money to a site operated by the scammer.
Hot girl SMS spam
You receive a text from a random number with a message along the lines of "Hey babe I'm here in town again if you wanted to meet up this time, are you around?" accompanied by a NSFW picture of a hot girl. It's spam, and they'll direct you to their scam website that requires a credit card.
Identity verification scam
You will encounter someone on a dating/messaging/social media/whatever site/app, and the scammer will ask that you verify your identity as they are worried about catfishing. The scammer operates the site, and you are not talking to whoever you think you are talking to.
This type of scam teases you with something, then tries to make you sign up for something else that costs money. The company involved is often innocent, but they turn a blind eye to the practice as it helps their bottom line, even if they have to occasionally issue refunds. A common variation takes place on dating sites/dating apps, where you will match with someone who claims to be a camgirl who wants you to sign up for a site and vote for her. Another variation takes place on local sites like Craigslist, where the scammers setup fake rental scams and demand that you go through a specific service for a credit check. Once you go through with it, the scammer will stop talking to you. Another variation also takes place on local sites like Craigslist, where scammers will contact you while you are selling a car and will ask you to purchase a Carfax-like report from a specific website.
Multi Level Marketing or Affiliate Marketing
You apply for a vague job listing for 'sales' on craigslist. Or maybe an old friend from high school adds you on Facebook and says they have an amazing business opportunity for you. Or maybe the well dressed guy who's always interviewing people in the Starbucks that you work at asks if you really want to be slinging coffee the rest of your life. The scam: MLMs are little more than pyramid schemes. They involve buying some sort of product (usually snake oil health products like body wraps or supplements) and shilling them to your friends and family. They claim that the really money is recruiting people underneath you who give you a slice of whatever they sell. And if those people underneath you recruit more people, you get a piece of their sales. Ideally if you big enough pyramid underneath you the money will roll in without any work on your part. Failure to see any profit will be your fault for not "wanting it enough." The companies will claim that you need to buy their extra training modules or webinars to really start selling. But in reality, the vast majority of people who buy into a MLM won't see a cent. At the end of the day all you'll be doing is annoying your friends and family with your constant recruitment efforts. What to look out for: Recruiters love to be vague. They won't tell you the name of the company or what exactly the job will entail. They'll pump you up with promises of "self-generating income", "being your own boss", and "owning your own company." They might ask you to read books about success and entrepreneurs. They're hoping you buy into the dream first. If you get approached via social media, check their timelines. MLMs will often instruct their victims to pretend that they've already made it. They'll constantly post about how they're hustling and making the big bucks and linking to youtube videos about success. Again, all very vague about what their job actually entails. If you think you're being recruited: Ask them what exactly the job is. If they can't answer its probably a MLM. Just walk away.

Phone scams

You should generally avoid answering or engaging with random phone calls. Picking up and engaging with a scam call tells the scammers that your phone number is active, and will usually lead to more calls.
Tax Call
You get a call from somebody claiming to be from your countries tax agency. They say you have unpaid taxes that need to be paid immediately, and you may be arrested or have other legal action taken against you if it is not paid. This scam has caused the American IRS, Canadian CRA, British HMRC, and Australian Tax Office to issue warnings. This scam happens in a wide variety of countries all over the world.
Warrant Call
Very similar to the tax call. You'll get a phone call from an "agent", "officer", "sheriff", or other law enforcement officer claiming that there is a warrant out for your arrest and you will be arrested very soon. They will then offer to settle everything for a fee, usually paid in giftcards.
[Legal Documents/Process Server Calls]
Very similar to the warrant call. You'll get a phone call from a scammer claiming that they are going to serve you legal documents, and they will threaten you with legal consequences if you refuse to comply. They may call themselves "investigators", and will sometimes give you a fake case number.
Student Loan Forgiveness Scam
Scammers will call you and tell you about a student loan forgiveness program, but they are interested in obtaining private information about you or demanding money in order to join the fake program.
Tech Support Call You receive a call from someone with a heavy accent claiming to be a technician Microsoft or your ISP. They inform you that your PC has a virus and your online banking and other accounts may be compromised if the virus is not removed. They'll have you type in commands and view diagnostics on your PC which shows proof of the virus. Then they'll have you install remote support software so the technician can work on your PC, remove the virus, and install security software. The cost of the labor and software can be hundreds of dollars. The scam: There's no virus. The technician isn't a technician and does not work for Microsoft or your ISP. Scammers (primarily out of India) use autodialers to cold-call everyone in the US. Any file they point out to you or command they have you run is completely benign. The software they sell you is either freeware or ineffective. What to do you if you're involved with this scam: If the scammers are remotely on your computer as you read this, turn off your PC or laptop via the power button immediately, and then if possible unplug your internet connection. Some of the more vindictive tech scammers have been known to create boot passwords on your computer if they think you've become wise to them and aren't going to pay up. Hang up on the scammers, block the number, and ignore any threats about payment. Performing a system restore on your PC is usually all that is required to remove the scammer's common remote access software. Reports of identity theft from fake tech calls are uncommon, but it would still be a good idea to change your passwords for online banking and monitor your accounts for any possible fraud. How to avoid: Ignore any calls claiming that your PC has a virus. Microsoft will never contact you. If you're unsure if a call claiming to be from your ISP is legit, hang up, and then dial the customer support number listed on a recent bill. If you have elderly relatives or family that isn't tech savvy, take the time to fill them in on this scam.
Chinese government scam
This scam is aimed at Chinese people living in Europe and North America, and involves a voicemail from someone claiming to be associated with the Chinese government, usually through the Chinese consulate/embassy, who is threatening legal action or making general threats.
Chinese shipping scam
This scam is similar to the Chinese government scam, but involves a seized/suspicious package, and the scammers will connect the victim to other scammers posing as Chinese government investigators.
Social security suspension scam
You will receive a call from someone claiming to work for the government regarding suspicious activity, fraud, or serious crimes connected to your social security number. You'll be asked to speak to an operator and the operator will explain the steps you need to follow in order to fix the problems. It's all a scam, and will lead to you losing money and could lead to identity theft if you give them private financial information.
Utilities cutoff
You get a call from someone who claims that they are from your utility company, and they claim that your utilities will be shut off unless you immediately pay. The scammer will usually ask for payment via gift cards, although they may ask for payment in other ways, such as Western Union or bitcoin.
Relative in custody Scammer claims to be the police, and they have your son/daughtenephew/estranged twin in custody. You need to post bail (for some reason in iTunes gift cards or MoneyGram) immediately or the consequences will never be the same.
Mexican family scam
This scam comes in many different flavours, but always involves someone in your family and Mexico. Sometimes the scammer will claim that your family member has been detained, sometimes the scammer will claim that your family member has been kidnapped, and sometimes the scammer will claim that your family member is injured and needs help.
General family scams
Scammers will gather a large amount of information about you and target your family members using different stories with the goal of gettimg them to send money.
One ring scam
Scammers will call you from an international number with the goal of getting you to return their call, causing you to incur expensive calling fees.

Online shopping scams

THE GOLDEN RULE OF ONLINE SHOPPING: If it sounds too good to be true, it probably is.
Dropshipping
An ad on reddit or social media sites like Facebook and Instagram offers items at huge discounts or even free (sometimes requiring you to reblog or like their page). They just ask you to pay shipping. The scam: The item will turn out to be very low quality and will take weeks or even months to arrive. Sometimes the item never arrives, and the store disappears or stops responding. The seller drop-ships the item from China. The item may only cost a few dollars, and the Chinese government actually pays for the shipping. You end up paying $10-$15 dollars for a $4 item, with the scammer keeping the profit. If you find one of these scams but really have your heart set on the item, you can find it on AliExpress or another Chinese retailer.
Influencer scams
A user will reach out to you on a social media platform, usually Instagram, and offer you the chance to partner with them and receive a free/discounted product, as long as you pay shipping. This is a different version of the dropshipping scam, and is just a marketing technique to get you to buy their products.
Triangulation fraud
Triangulation fraud occurs when you make a purchase on a site like Amazon or eBay for an item at a lower than market price, and receive an item that was clearly purchased new at full price. The scammer uses a stolen credit card to order your item, while the money from the listing is almost all profit for the scammer.
Instagram influencer scams
Someone will message you on Instagram asking you to promote their products, and offering you a discount code. The items are Chinese junk, and the offer is made to many people at a time.
Cheap Items
Many websites pop up and offer expensive products, including electronics, clothes, watches, sunglasses, and shoes at very low prices. The scam: Some sites are selling cheap knock-offs. Some will just take your money and run. What to do if you think you're involved with this scam: Contact your bank or credit card and dispute the charge. How to avoid: The sites often have every brand-name shoe or fashion item (Air Jordan, Yeezy, Gucci, etc) in stock and often at a discounted price. The site will claim to be an outlet for a major brand or even a specific line or item. The site will have images at the bottom claiming to be Secured by Norton or various official payment processors but not actual links. The site will have poor grammar and a mish-mash of categories. Recently, established websites will get hacked or their domain name jacked and turned into scam stores, meaning the domain name of the store will be completely unrelated to the items they're selling. If the deal sounds too good to be true it probably is. Nobody is offering brand new iPhones or Beats or Nintendo Switches for 75% off.
Cheap Amazon 3rd Party Items
You're on Amazon or maybe just Googling for an item and you see it for an unbelievable price from a third-party seller. You know Amazon has your back so you order it. The scam: One of three things usually happen: 1) The seller marks the items as shipped and sends a fake tracking number. Amazon releases the funds to the seller, and the seller disappears. Amazon ultimately refunds your money. 2) The seller immediately cancels the order and instructs you to re-order the item directly from their website, usually with the guarantee that the order is still protected by Amazon. The seller takes your money and runs. Amazon informs you that they do not offer protection on items sold outside of Amazon and cannot help you. 2) The seller immediately cancels the order and instructs you to instead send payment via an unused Amazon gift card by sending the code on the back via email. Once the seller uses the code, the money on the card is gone and cannot be refunded. How to avoid: These scammers can be identified by looking at their Amazon storefronts. They'll be brand new sellers offering a wide range of items at unbelievable prices. Usually their Amazon names will be gibberish, or a variation on FIRSTNAME.LASTNAME. Occasionally however, established storefronts will be hacked. If the deal is too good to be true its most likely a scam.
Scams on eBay
There are scams on eBay targeting both buyers and sellers. As a seller, you should look out for people who privately message you regarding the order, especially if they ask you to ship to a different address or ask to negotiate via text/email/a messaging service. As a buyer you should look out for new accounts selling in-demand items, established accounts selling in-demand items that they have no previous connection to (you can check their feedback history for a general idea of what they bought/sold in the past), and lookout for people who ask you to go off eBay and use another service to complete the transaction. In many cases you will receive a fake tracking number and your money will be help up for up to a month.
Scams on Amazon
There are scams on Amazon targeting both buyers and sellers. As a seller, you should look out for people who message you about a listing. As a buyer you should look out for listings that have an email address for you to contact the person to complete the transaction, and you should look out for cheap listings of in-demand items.
Scams on Reddit
Reddit accounts are frequently purchased and sold by fraudsters who wish to use the high karma count + the age of the account to scam people on buy/sell subreddits. You need to take precautions and be safe whenever you are making a transaction online.
Computer scams
Virus scam
A popup or other ad will say that you have a virus and you need to follow their advice in order to remove it. They are lying, and either want you to install malware or pay for their software.

Assorted scams

Chinese Brushing / direct shipping
If you have ever received an unsolicited small package from China, your address was used to brush. Vendors place fake orders for their own products and send out the orders so that they can increase their ratings.
Money flipping
Scammer claims to be a banking insider who can double/triple/bazoople any amount of money you send them, with no consequences of any kind. Obviously, the money disappears into their wallet the moment you send it.

Door to door scams

As a general rule, you should not engage with door to door salesmen. If you are interested in the product they are selling, check online first.
Selling Magazines
Someone or a group will come to your door and offer to sell a magazine subscription. Often the subscriptions are not for the duration or price you were told, and the magazines will often have tough or impossible cancellation policies.
Energy sales
Somebody will come to your door claiming to be from an energy company. They will ask to see your current energy bill so that they can see how much you pay. They will then offer you a discount if you sign up with them, and promise to handle everything with your old provider. Some of these scammers will "slam" you, by using your account number that they saw on your bill to switch you to their service without authorization, and some will scam you by charging higher prices than the ones you agreed on.
Security system scams
Scammers will come to your door and ask about your security system, and offer to sell you a new one. These scammers are either selling you overpriced low quality products, or are casing your home for a future burglary.
They ask to enter your home
While trying to sell you whatever, they suddenly need to use your bathroom, or they've been writing against the wall and ask to use your table instead. Or maybe they just moved into the neighborhood and want to see how you decorate for ideas.
They're scoping out you and your place. They want to see what valuables you have, how gullible you are, if you have a security system or dogs, etc.

Street scams

Begging With a Purpose
"I just need a few more dollars for the bus," at the bus station, or "I just need $5 to get some gas," at a gas station. There's also a variation where you will be presented with a reward: