Wednesday, April 20, 2016

Robinhood App Review - Free Trades Without a Catch?

Robinhood App Review - Free Trades Without a Catch?

The primary question remains how will Robinhood make money if trades are zero? In their FAQ they state they will make money through margin lending interest, and interest on any uninvested customer cash deposits.

According to some sources, the margin interest rate will be 3.5% once it is offered. This margin rate is much lower than other leading brokerage firms. Also according to their FAQ they will not make money via PFOF (Payment For Order Flow). Though they could make this a source of revenue in the future.

Will they be able to pull this off? As a reviewer of various brokerages, I'm not so sure. Keep in mind, this hasn't been the first time a stock broker has tried this idea. Zecco was a recent brokerage firm who tried the freemium model. During their existence, Zecco changed their pricing structure several times. And eventually, Zecco determined their business model wasn't successful and merged with TradeKing.

Currently there are two other firms which are following the freemium model: LOYAL3, and WiseBanyan. Robinhood and LOYAL3 are just straight up stock brokers, whereas WiseBanyan offers robo-advisor services.


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Tuesday, April 19, 2016

San Leandro-is it safe? (San Francisco, Oakland: sales, crimes, home) - San Francisco - Oakland - California (CA) - Page 4 - City-Data Forum

San Leandro-is it safe? (San Francisco, Oakland: sales, crimes, home) - San Francisco - Oakland - California (CA) - Page 4 - City-Data Forum

San Leandro has a similar crime rate to it's neighboring communities. Oakland's is higher, San Lorenzo is about the same, Castro Valley's is similar, Alameda's is only slightly less.

It will be more or less about neighborhoods than the city itself. I used to live there, and the neighborhoods that were good then were: Broadmoor, Estudillo Estates, Bay-o-Vista, and down by the Marina. IMO, no matter where you live, try to stay away from areas where there are lots of apartments.

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Google Nexus 6P Review - Call Quality, Battery and Conclusion

Google Nexus 6P Review - Call Quality, Battery and Conclusion

Fortunately, the Nexus 6P doesn't suffer from the same scratchy voices that plagued the Nexus 5X's call performance. While it's still not perfect, the mostly audible voices through the speaker sound better here – albeit, it's still a smidgen artificial sounding. It gets only a little bit better on the other end of the line, but we're at the very least happy to find its speakerphone is significantly more useful, since it's louder in tone to make it usable in noisy conditions.

Read full article from Google Nexus 6P Review - Call Quality, Battery and Conclusion

Google Nexus 5X Review - Call Quality, Battery and Conclusion

Google Nexus 5X Review - Call Quality, Battery and Conclusion

It's not terrible, but it's certainly not great either. Yes, there are some challenges with the calling performance of the Nexus 5X, but for the most part, we're able to handle conversations without having the need to constantly repeat ourselves. Through the earpiece, as well as on the other end of the line, voices can sometimes sound scratchy, which is made worse if there's a lot of background noise to contend with. With the speakerphone, too, it's a bit underpowered in tone – so it drowns out easily in noisy situations.

Just as long both parties are able to utter concise sentences, the experience is tolerable enough to accept.

Read full article from Google Nexus 5X Review - Call Quality, Battery and Conclusion

Nexus 5X call and speaker quality. | LG Nexus 5X

Nexus 5X call and speaker quality. | LG Nexus 5X

Just spoken with Google support and they said I need to do this before they will think about sending out a replacement

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If you are having any audio, speaker, or microphone issues with your device, please follow the steps below.

Step 1: Update to the latest version of Android OS.

Go to "Settings" > scroll down to "System" > touch About phone (or tablet) > touch System updates.
If your device is modified or rooted, revert your device to original factory image since troubleshooting steps may not work on modified/rooted devices. You can use our Nexus factory images to re-image your device.
Step 2: Remove obstructions.

Remove any cling film, stickers, covers/cases/bumpers, or anything else that can be obstructing the device.
Step 3: Enable safe mode on your device.

Ensure your device's screen is on, then press & hold the Power button.
Touch and hold the Power off option in the dialog box.
Touch OK in the following dialog to start safe mode.
To exit safe mode, turn your device off and on again.
If you discover that the issue doesn't occur while your device is in safe mode, it's likely that a third-party app or Android OS modification is causing the issue. You can start to use and narrow down your installed apps to try to pinpoint the specific app. When the culprit is identified, you can uninstall the app or contact the developer of the app for further support as follows:

Navigate to play.google.com.
Find the app and click on it to view its main page.
Scroll down to the "Additional Information" section. Here, you'll see "Contact Developer" options.
Step 4: While in safe mode, turn off Bluetooth.

Go to "Settings" > under "Wireless & Networks", touch Bluetooth.
In Bluetooth settings, if Bluetooth is on, touch the slider to switch Bluetooth off.
Step 5: While in safe mode, make sure the volume is on.

Go to "Settings" > under "Device", touch Sound > touch Volumes.
In Volume settings, slide all three indicators all the way to the right to make sure all sound is on and at max volume.
Note: When each slider is adjusted, a sound will be heard.
Step 6: Check if the issue is resolved.

Play with the volume levels to hear sound.
Make a test phone call.
Use Google Now to test your microphone.
If your issue isn't resolved, continue to the next step.

Step 7: Reset your device to factory settings.

If you're still unable to resolve the issue, or if the issue is so severe that you can't boot your device into safe mode, resetting your device to factory settings may help. Resetting your device to factory settings will erase all local data on your device. Backup of your personal local data (pictures, music and video files) is recommended.

To backup personal data on your device
To reset your device to factory settings
If your issue has been resolved, great! Let us know.

If your issue was *not* resolved and your device still experiences audio issues, call us or reply to this email and reference that you already went through our Audio troubleshooting steps which included resetting your device to factory settings.

Read full article from Nexus 5X call and speaker quality. | LG Nexus 5X

Friday, April 15, 2016

united states - How to withdraw money given only account information (account number/routing number/etc.) - Personal Finance & Money Stack Exchange

united states - How to withdraw money given only account information (account number/routing number/etc.) - Personal Finance & Money Stack Exchange

You can technically initiate an ACH transaction (debit or credit) with just the routing number and the account number. As a consumer - most banks will not allow you doing this without some sort of verification of authority. But if you have a direct ACH access (like many billers do) - you can do that and nothing will stop you.

You can also print checks with the account/routing info on them and use them.

That said - these actions are illegal and reversible. People who do this are usually making "sting" operations where they deposit forged checks and withdraw the money in cash quickly, before the check bounces back as a fake. The loss is then on the bank that allowed them depositing the checks (that's why new accounts usually have much longer holds on deposits than older established ones).


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Can't the account information on my checks be easily used for fraud? - Personal Finance & Money Stack Exchange

Can't the account information on my checks be easily used for fraud? - Personal Finance & Money Stack Exchange

Yes, and there are almost no checks (no pun intended) on people pulling money from your account using a routing number. It is an EXTREMELY insecure system. If you want a real Halloween scare, read this article: Easy Check Fraud Technique Draws Scrutiny.

Unfortunately you just have to live with it.

If you are curious why this loophole is allowed to continue, consider how hard it is to close it without undermining the convenience of checks. Short of you going to the bank with each person you write a check to and showing ID to validate the transaction, I don't see how you could continue to use a negotiable instrument like this without such a security hole.

The ultimate answer is going to have to be replacing checks with other means of payment.


Read full article from Can't the account information on my checks be easily used for fraud? - Personal Finance & Money Stack Exchange