Jeff Snell

Robinhood Is Making Millions Selling Out Their Millennial Customers To High-Frequency Traders | Seeking Alpha

Markets

Robinhood is marketed as a commission-free stock trading product but makes a surprising percentage of its revenue directly from high-frequency trading firms.

It appears from recent SEC filings that high-frequency trading firms are paying Robinhood over 10 times as much as they pay to other discount brokerages for the same volume.

Robinhood needs to be more transparent about its business model.

Read the entire article: Robinhood Is Making Millions Selling Out Their Millennial Customers To High-Frequency Traders | Seeking Alpha

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The 3 Secrets Of The Happiest Retirees (And How You Can Plan For Them)

Financial Planning, Health & Fitness, Lifestyle, Retirement

No matter where they live, what they did with their lives, or how much money they have, there are three things I have observed over my career that happy retirees have in common.

The good news is, these are things you can plan for.

Read the entire article: The 3 Secrets Of The Happiest Retirees (And How You Can Plan For Them)

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Poll: 62% of Americans Say They Have Political Views They’re Afraid to Share | Cato Institute

Lifestyle

A new Cato national survey finds that self‐​censorship is on the rise in the United States. Nearly two-thirds—62%—of Americans say the political climate these days prevents them from saying things they believe because others might find them offensive.

The share of Americans who self‐​censor has risen several points since 2017 when 58% of Americans agreed with this statement.

Read the entire article: Poll: 62% of Americans Say They Have Political Views They’re Afraid to Share | Cato Institute

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Take a Tour of Beverly Hills Car Club’s Mind-Boggling Classic-Car Inventory

Lifestyle

For a classic-car fiend, walking onto the Beverly Hills Car Club’s classic-car showroom floor is comparable to what a sneakerhead or watch collector experiences when they visit one of the world’s greatest sneaker or watch boutiques.

Stashed away in a nondescript zone east of downtown Los Angeles near railroad tracks, wrought iron fencing barricades a mecca of vintage automobiles.

Read the entire article: Take a Tour of Beverly Hills Car Club’s Mind-Boggling Classic-Car Inventory

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Is 55 Too Early To Retire? What You Need To Retire Early

Financial Planning, Lifestyle, Retirement

Having the option to take an early retirement is a really nice thing to have. But is 55 too early to retire? If you want to retire early, you’ll need a solid plan, masterful control over your expenses, and savings outside of retirement accounts. Here’s how you’ll know if 55 is too early to retire.

Is 55 too early to retire?

Perhaps you’ve worked hard and want more free time to enjoy your success.

Read the entire article: Is 55 Too Early To Retire? What You Need To Retire Early

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3 Reasons to Delay Social Security Benefits | Personal Finance | mooresvilletribune.com

Financial Planning, Retirement, Social Security

Social Security benefits become available at age 62, and that’s the most popular age to claim them. But just because it’s possible to get your benefits so early on doesn’t mean it’s a good idea. In fact, many experts recommend waiting a full eight years from the date of eligibility, claiming them at 70 instead.

While it may seem odd to give up getting monthly checks for years, there are actually a few really great reasons why you might want to delay the start of your benefits as long as possible.

Read the entire article: 3 Reasons to Delay Social Security Benefits | Personal Finance | mooresvilletribune.com

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Health Insurance Losses Soar In California, Other States | Patch

Health & Fitness

CALIFORNIA — As the number of daily coronavirus cases continues to hit record levels in the United States, a staggering number of people in California and elsewhere have lost their health insurance benefits due to coronavirus-related job cuts.

According to a new study by Families USA, a nonpartisan consumer advocacy group, 5.4 million non-elderly Americans reported losing their health insurance between February and May.

Read the entire article: Health Insurance Losses Soar In California, Other States | Patch

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The 2006 Origins of the Lockdown Idea – AIER

Health & Fitness, Lifestyle, Travel

Now begins the grand effort, on display in thousands of articles and news broadcasts daily, somehow to normalize the lockdown and all its destruction of the last two months. We didn’t lock down almost the entire country in 1968/69, 1957, or 1949-1952, or even during 1918. But in a terrifying few days in March 2020, it happened to all of us, causing an avalanche of social, cultural, and economic destruction that will ring through the ages.

There was nothing normal about it all. We’ll be trying to figure out what happened to us for decades hence.

How did a temporary plan to preserve hospital capacity turn into two-to-three months of near-universal house arrest that ended up causing worker furloughs at 256 hospitals, a stoppage of international travel, a 40% job loss among people earning less than $40K per year, devastation of every economic sector, mass confusion and demoralization, a complete ignoring of all fundamental rights and liberties, not to mention the mass confiscation of private property with forced closures of millions of businesses?

Read the entire article: The 2006 Origins of the Lockdown Idea – AIER

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5 Rules on How to Win Any Argument

Behavioral Finance, Industry

Let me start out by saying, Lord above I hope I am wrong. I hope everything I lay out here is ridiculous, never comes to fruition and that all the happenings in the world today lead only to progress in freedom, in opportunity for all and in a better country for our next generations. I will wildly dance upon the grave of my wrongness alongside my critics if that happy scenario plays out. The horrifying problem is, I don’t believe I am. But my hope is that his blog gives you a way to fight back, to better articulate your views, to win debates with rationality.

Read the entire article: 5 Rules on How to Win Any Argument

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Visa Waivers, Vouchers, Flight Discounts and Other Travel Lures – The New York Times

Lifestyle, Travel

In some countries where Covid-19 cases are receding, governments are attempting to entice travelers to help save battered tourism industries with offers of discounted flights, vouchers for local attractions and free entry to tourist sites. A few are even offering to pay travelers’ medical expenses if they are infected with the virus.

For now, Americans living in the United States are prohibited from entering almost all of these countries because of the high level of Covid-19 cases at home.

Read the entire article: Visa Waivers, Vouchers, Flight Discounts and Other Travel Lures – The New York Times

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As COVID-19 Cases Surge, Daily Deaths and the Case Fatality Rate Continue To Fall – Reason.com

Health & Fitness

As COVID-19 cases surge in the United States, both daily deaths and the crude case fatality rate continue to decline. There are several plausible explanations for those seemingly contradictory trends, including expanded testing that identifies more mild cases, a younger mix of patients, and improved treatment.

Nationwide, the number of newly identified COVID-19 cases hit a record high of more than 57,000 on July 2, up from fewer than 20,000 on Memorial Day. That number had dropped to 44,530 as of yesterday. During that same period, the number of daily deaths, which peaked at 2,749 on April 21, fell from 636 to 251.

Read the entire article: As COVID-19 Cases Surge, Daily Deaths and the Case Fatality Rate Continue To Fall – Reason.com

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As Delayed Tax Day Approaches, Consider What You Get for Your Money – Reason.com

Industry, Taxes

Flattening the curve on COVID-19 has meant flattening the curve on tax season, too, pushing everything down the line a bit so that the final day to hand over the government’s cut of our hard-earned income comes up on July 15.

That’s given us an unparalleled opportunity in a time of crisis to assess what we’re getting for our money. Amidst the smoking ruins of 2020, it’s understandable if you regret every penny you’ve ever surrendered to a tax collector.

The year 2020 should stand forever as evidence that, rather than a solution, government is often a cup of gasoline just waiting to be thrown on a fire. The spark this time was a tiny, but deadly, virus.

Read the entire article: As Delayed Tax Day Approaches, Consider What You Get for Your Money – Reason.com

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Break the Monotony to Spark Inspiration | Evernote Blog | Evernote Blog

Health & Fitness, Lifestyle

Sometimes, great ideas come out of nowhere. Maybe you’ve been focusing on a tough problem for days with no end in sight, and then—poof—a creative solution falls in your lap.

These flashes of brilliance rarely happen when you’re parked at your desk all day, zeroed in on a single project. While it’s important to focus, too much focus on one thing can cause a kind of mental tunnel vision, closing you off to new ideas. As a result, your work can begin to feel mundane and uninspired.

Read the entire article: Break the Monotony to Spark Inspiration | Evernote Blog | Evernote Blog

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Interstate Travel Restrictions Are Just Political Posturing – Reason.com

Health & Fitness, Industry, Lifestyle, Travel

We’ve come a long way from the March day when New York Gov. Andrew Cuomo threatened to sue Rhode Island over restrictions on travelers from his pandemic-hotspot state. Now, questions about reasonableness and legality are out the window as New York joins with Connecticut and New Jersey to effectively close their borders to people from states more recently hard-hit by COVID-19.

There’s a strong hint of tit-for-tat in a move that has little to do with health and a lot to do with regional and political posturing in a not-so-united country. The interstate chest-puffing might have some entertainment value, but Americans shouldn’t feel any obligation to obey the pointless rules.

Read the entire article: Interstate Travel Restrictions Are Just Political Posturing – Reason.com

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Asymptomatic spread of coronavirus is ‘very rare,’ WHO says

Health & Fitness

Government responses should focus on detecting and isolating infected people with symptoms, the World Health Organization said.

Preliminary evidence from the earliest outbreaks indicated the virus could spread even if people didn’t have symptoms.

But the WHO says that while asymptomatic spread can occur, it is “very rare.”

Read the entire article: Asymptomatic spread of coronavirus is ‘very rare,’ WHO says

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