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From fractional shares to screenwriting classes, here are a few options to brighten the futures of your family and friends this season.
Giving the usual store-bought holiday presents can feel off at a time when so many people are worried about their finances. Perhaps more fitting this season are gifts that set someone on a firmer path to financial independence or help them become a better saver or investor.
Here are some ideas for gift-givers to make someone’s holiday merrier — and financial future brighter. The options, ordered by price, range from books about the psychology of money to Bitcoin to even more creative, career-oriented options such as screenwriting classes.
Books for the money-minded reader: $50 — “Getting on solid financial ground is about consistently making lots of small decisions over a long period,” says financial planner Christopher Struckhoff of Lionheart Capital Management. “While I’m not discounting contributions to a college 529 plan or a Roth IRA, a good book can help in building that mindset.” Struckhoff likes to give friends and clients “The Psychology of Money: Timeless Lessons on Wealth, Greed and Happiness” by Morgan Housel. It is the rare personal finance book that is being turned into a movie. He also likes “How I Invest My Money: Finance Experts Reveal How They Save, Spend and Invest” by Joshua Brown and Brian Portnoy. And a classic Struckhoff likes to give is Burton Malkiel’s “A Random Walk Down Wall Street.”
For stock watchers: $100 — These days fractional share programs allow pretty much anyone to buy portions of stocks they might not otherwise be able to afford. Stakes like this given to a child, for example, could be housed in a custodial account at a financial firm where you already have an account. When you create and contribute to a so-called UGMA account (short for Uniform Gifts to Minors Act) or UTMA (Uniform Transfers to Minors Act), it’s an irrevocable gift, but one you control until the child is 18 or the age of majority in your state. Keep in mind that 20% of the account value will count in applications for financial aid to college.
For the person between jobs: $150 to $216 — If you want to give someone the chance to develop new knowledge and skills, platforms such as MasterClass.com and Great Courses Plus have gift memberships. Great Courses’ “Professional and Personal Growth” category includes introductory programs on topics including web development and machine learning. A year-long gift plan is $150. MasterClass, meanwhile, offers two annual memberships for $180; that buys access to more than 90 classes on its platform for you and someone else. A budding screenwriter might enjoy Aaron Sorkin’s class, or one by Shonda Rhimes about writing for television. You could also give the gift of networking by funding someone’s “Premium Career” membership on LinkedIn. Premium members can send messages to LinkedIn members without the usual need to be already connected with them, and can see who has viewed their profile over the last 90 days. It costs $29.99 a month or $216 for the year.
For those with student loan debt: $100 to $1,000 — Making an extra one-time payment toward paying back some of the principal on a student loan can be a long-term blessing, says financial adviser Charles Thomas III of Intrepid Eagle Finance. Just be sure the recipient is clear that your gift isn’t meant to substitute for their monthly payment, but is on top of that. Gifters should remember that their present is subject to the annual U.S. IRS gift tax limits, which are $15,000 per person or $30,000 for a married couple filing taxes jointly.
For people who hate thinking about their finances: Amounts vary — Some people find the thought of managing their money so stressful that they largely avoid it. A gift of a session with a fee-only financial planner might be a good choice for them, if you can frame it as a gift to relieve stress, and not as a chore. That could set you back a few hundred or, more likely, a few thousand dollars. You could use a little friendly bribery, and note on a gift card that they’ll be rewarded with a few hundred dollars to invest after they have the appointment. If you don’t have a planner of your own to recommend, respected planner networks include the Garrett Planning Network, the National Association of Personal Financial Advisors and the XY Planning Network.
For the Bitcoin believer — or skeptic: $100 to $19,246 (or the latest price of 1 Bitcoin) — Bitcoin has been on fire, so the gift you give here could be one that keeps giving — or could implode. It also might be an opportunity to give those who have been overly bearish on the cryptocurrency a taste test. While the Grayscale Bitcoin Trust (GBTC) tracks the underlying price of Bitcoin, it trades at a persistent premium as its shares are created by private placement, says Bloomberg Intelligence ETF analyst Morgan Barna. It’s popular among those who want to have Bitcoin exposure in a brokerage account rather than transact on a separate platform, and the trust has added $1.6 billion in assets so far this year. It’s a lot simpler to just gift Bitcoin directly on a platform where you and the recipient both have accounts, such as Coinbase, or from a Coinbase account to a cryptowallet. You can send $100 worth of Bitcoin in an email to a Coinbase user, or send to a wallet address.
For the person saving up for a first home: Amounts vary — This is a bit extreme, but financial planner Ian Bloom of Open World Financial Life Planning has seen parents give a down payment on a young adult’s first house for Christmas. The parents gave their child a box that has a tiny model home in it, with a note attached that read “IOU $40,000.” The gift enabled the child to make a 20% down payment on a home.
https://www.aysim.net/wp-content/uploads/2020/11/Gifts-to-Give-scaled.jpg From fractional shares to screenwriting classes, here are a few options to brighten the futures of your family and friends this season. Giving the usual store-bought holiday presents can feel off at a time when so many people are worried about their finances. Perhaps more fitting this season are gifts that set someone on a firmer path […]
We are working hard to port all the features of Pixel to this iteration of Android. It has now reached a good stability state, feature parity with a pixel is expected within the next few weeks. The sources are out on our GitHub for aspiring maintainers to get their hands dirty!
Initially, the rollout will begin only for devices that are ready, and the rest of the devices will be added on as and when they are ready. Please don’t spam us if your device doesn’t have a build. It just means it is not ready yet.
As always,official builds are signed with our own private keys.
How to flash Pixel Experience 11 from 10?
Make a backup of your important data!
Download the build from the downloads page. OTA won’t work.
Make sure your recovery and firmware are up to date
Wipe as usual as you would for a clean flash. System/Data/Cache or whatever is applicable for your device. Depending of the situation you may be encountered in, a format data might be required.
Now flash PE and boot.
Wait for around 10mins, as it’s the 1st boot, it would take a while.
Deltas aren’t yet supported on PE 11. They (may/may not) return at a later date.
You may also be aware that Plus Edition Builds are coming up only next year (so don’t ask about it in our chats), and also be aware that TWRP decryption isn’t working on Android 11, that scenario isn’t only happening with us.
Be aware that formatting data on TWRP before flashing a Android 11 ROM will led to encryption not working at all.
https://www.aysim.net/wp-content/uploads/2020/11/Android-11.jpg We are working hard to port all the features of Pixel to this iteration of Android. It has now reached a good stability state, feature parity with a pixel is expected within the next few weeks. The sources are out on our GitHub for aspiring maintainers to get their hands dirty! Initially, the rollout will […]
Nokia 8 is an important series of Nokia phones, so no wonder that everyone has been eagerly anticipating the Nokia 8.3 5G. Nokia 8 was usually the first Nokia smartphone to bring some advanced technologies to a more affordable price range of Nokia smartphones. It has been like that since a long time ago, and Nokia Mobile continued that tradition. The first Nokia 8 brought the double camera setup with Zeiss lenses. Nokia 8 Sirocco gave us a glimpse into the marvellous design, materials used and rich hardware. Then Nokia 8.1 happened, which changed the story a bit since that phone was really a successor of the now legendary Nokia 7 Plus, so the 8 series lost a bit of that affordable flagshipness that folks expected to get. Nokia 8.2 never came to life, but Nokia 8.3 did and brought us the first Nokia smartphone to support NA and SA 5G networks. Nokia 8.3 is also coming with a Snapdragon 765 5G series chipset, but the difference between the Snapdragon 8XX and 7XX is now not that noticeable so that can be overlooked. Since the hardware of the device is a bit ordinary, everybody focused on its camera, and so did Nokia Mobile, and boy Nokia 8.3 can shoot. Do check our full review below and see if Nokia 8.3 5G is a right phone for you.
Hardware specifications
Name: Nokia 8.3 5G (TA-1243); BabyGroot
Dimensions: 171.9 x 78.6 x 9 mm
Mass: 220 g
Display: IPS LCD, 6.81 inches, 1080 x 2400 pixels; 386 ppi
Nokia 8.3 5G is a representative of the upper price segment of Nokia smartphones, so, understandably, the box feels more prestigious than the others. Well, the looks are pretty much like the other boxes of Nokia smartphones, with Nokia 8.3 displayed on the front, together with Nokia and Android logos. On the back, you get the standard text with all the important features that are making the phone unique, like a PureView camera with Zeiss optics, OZO Audio, or Qualcomm 765G processor. The box opens by taking the top cover off, and the first you see s the large Nokia 8.3 wrapped in cellophane with some Google promo text. The device sits in a thin carton cradle that has a SIM door key, and below it, you will find a quick start guide printed in several languages. Next to it is a smaller box that holds an 18W charger, a meter log USBa/USBc cable, and a strange-looking Nokia wired earphones, like old WH-308. Earphones can serve as a handsfree since they have a multi-functional button and a microphone.
DESIGN AND ERGONOMICS
When I first saw the Nokia 8.3 on renders, I liked the idea of a Nokia phone housing a 6.81-inch screen. But a large screen usually means that the body of the phone could be large, and that is the case with 8.3. This is a beautifully built large phone, which is not the thinnest or lightest, but look gorgeous for its dimensions. Nokia 8.3 measures are 171.9 x 78.6 x 9 mm, and you also get 220 grams of mass, which you will sense in your hand like you are holding a smartphone tank, but a tank that is also beautiful to see and quite nice to hold. The phone is well balanced and ergonomically well designed, which makes it fit nicely in hand when surfing or doing calls.
You definitely won’t be able to touch the whole content of the display with just a thumb, but Android allows you to summon a dropdown menu from the bottom of the display, which is nice. There will be some position switching in hand though, especially when reaching for some shortcuts in the menu. Maybe using two hands is better since that lowers the chance of dropping it on your feet. The fingerprint scanner is positioned well, but it took me a while to get used to using it. You might definitely consider reregistering fingerprints after a week or two of usage since you’ll be noticing that you unlock the device differently than you anticipated.
I noticed that the Gorilla glass back is slippery on some materials, so do not be surprised if your 8.3 falls off a couch.
The front of a Nokia 8.3 is dominated by a large ad crisp LCD panel, which is perforated in its upper left corner by a 24 MP selfie camera. The screen is surrounded by a thin bezel, except in the bottom part where the bezel forms a chin that holds the Nokia logo. It would be good if designers managed to make the bottom bezel the same size as the upper one that holds a thin speaker and proximity and ambient light sensors to its left.
The front glass is mounted in the plastic rim, which is more than a millimeter thick, but it will provide good protection for the screen from various physical stresses, and hopefully prolong its life. With Nokia 8.3, the smooth transition from the screen panel to the sides is gone. Do not get me wrong, everything is done seamlessly, but you can sense the rougher transition under your fingers, and that makes it a bit unpolished. The case bod is dressed in a polycarbonate layer, which makes Nokia 8.3 5G warm to the touch. The sides are also wide, which provides a solid grip for the phone.
On the right, you will find a SIM door at the top, then a volume button with almost the same length as a SIM door, and below it a fingerprint scanner, which is also a power button. It is strange that the SIM door looks like an extra volume rocker button, but the real button is slightly elevated, clicky, and comfortable to use. The power button is sitting in a slight dentation of the body, which is wide enough for a thumb to be positioned nicely over the sensor.
I noticed that SIM doors have a rubber ring around it which might help prevent some spills getting inside the phone, but Nokia 8.3 is not waterproof in any level.
On the left side, you will just find a Google Assistant button, which is not remappable but can be disabled in the settings to prevent unnecessary activation of the digital assistant.
The top of the device holds one of two microphones, and the other one is diagonally opposite of the first on the bottom side. Next to the microphone is a 3.5 mm audio jack, USB-C charging port, and loudspeaker on the left side. The position of the loudspeaker on the left bottom side is not the best, because you will be covering it a lot with your hand when playing games or watching a video.
The back of the device is its most beautiful part. There is an elevated camera module that holds an outstanding 64 MP main camera, 12 MP ultra-wide, useless 2 MP macro, and 2 MP depth camera. The camera module is protected with a Gorilla glass, like the whole backside, and in the middle of it is a shiny circular patch that is holding a Zeiss logo. The left of the camera module is a dual-LED flash. In the middle of the backside is the greyish Nokia logo, and on the bottom part, the text tells you more about the designer, country of origin, and model number.
Nokia 8.3 is coming in one color, which is Polar Night, and there is a light reflection effect that might remind you of the northern lights. The phone looks so good with this color option, and you will appreciate it regardless of gender.
DISPLAY
Nokia Mobile choose to use one of the largest screens up to date with Nokia 8.3 5G. The screen measures 6.81 inches in diagonal, and it is the same size as the Nokia 7.2 or Huawei P30 Pro. But you would think that this screen will take almost all of the front surface of the phone, but thanks to the thick bezels, it covers just 83%.
While there is the everlasting debate whether the LCD or AMOLED screen should be used on pricier phones, I like how the screen of 8.3 behaves. It is sharp with 1080 x 2400 pixels, has a great color reproduction, which you can adjust within the settings since this is a PureDisplay screen. This means that the SDR video can be converted to HDR, and that color, contrast, and brightness can be adjusted dynamically according to your usage.
Nokia 8.3 definitely doesn’t have problems with the outdoor visibility, since the display has good contrast and polarizing filters, and there is also the option of boosting some extra contrast when the bright sunlight hits the screen.
You will definitely enjoy playing games on the screen of 8.3. Since it is quite large, the display of the Nokia 8.3 is also great for watching movies and TV shows, and the front-facing camera will not bother you since it is positioned in the bottom left corner.
USABILITY
Nokia 8.3 is a quite heavy smartphone with 220 grams of mass, but the phone is well balanced, so you will not be dropping it. Since its larger surfaces are covered with Gorilla glass, it will be sliding on slightly tilted areas covered with fabric.
The large screen cannot be used singlehandedly, which means you will be using both hands on many occasions, but the large screen is ideal for browsing the web, reading, and answering emails, or watching videos though. Since the phone is big, you can rest it on a table and browse through the screen content, and the phone won’t be moving around even though its camera module is a bit more elevated than the competition, but that is the advantage of having a camera module in the center of the body.
This smartphone can be also used for calls, believe it or not, and the speaker is quite loud, and its sound quality is great. Also, the noise reduction is quite good according to persons on the receiving end, probably thanks to two microphones placed on the opposite edges of the phone. I had a slight problem with a proximity sensor, which would not perform the best during the call, so I would end it with torchlight turned on, or alarm clock settings on.
The loudspeaker is quite loud, but the sound reproduction could be better. There is a lot of middle tones being reproduced, but that is not the worst thing about the loudspeaker. The worst thing is its position on the bottom left, which means that you’ll be covering it with the palm of your hand, which is annoying if you are playing games with the sound turned on.
One of the things that I have been looking forward to seeing on a Nokia phone is side-mounted fingerprint readers since it gives you an option of unlocking the phone without picking the phone. But the fingerprint reader isn’t performing so well, and sometimes it doesn’t read my thumb or index finger on the first try.
Nokia 8.3 is one of the first devices to use Qualcomm’s octa-core Snapdragon 765G processor that is made in a 7nm process, which means it is power efficient. The phone performs nicely, it is quick to open apps, install them, and play games thanks to Adreno 620 GPU. It feels just like you are using an 8XX series processor. I did notice occasional stuttering in some games, but 8.3 is generally performing well. I am not a fan of some more graphically demanding games, but I can say that Asphalt Nitro, BrawlStars, and Subway Surfers are working great.
SOFTWARE
Nokia Mobile is still fully focused on Android One, which means that Nokia 8.3 is going to be receiving two major Android updates, starting from Android 11 till the end of 2020, and monthly security patches for the next three years at least. The software is pretty much nicely tuned up, and the device is performing well, but some bugs are noticed like the low sensitivity of the fingerprint scanner, bug in the notification muting of the display, proximity sensor not working the best it could, and classic occasional freezing of the Camera app that to be frank happened 3 times in the past 3 weeks, so that is not a huge problem. But, Nokia Mobile is releasing MR updates rather quickly for the newly announced devices, so the future updates will sort that out.
There is nothing much to be told about Android 10, except you can unlock the phone by double-tapping the screen, scanning your index finger, or even face unlock method which is not the quickest but it is working (without a mask, of course). You get a classic lock screen after waking up the screen and below it a home screen where you can put widgets or open multiple screens. There is an app drawer, and you can choose whether you will control the UI by navigation buttons or gestures. I must say that I got completely used to gestures, and those are working well, and remind me of some old Nokia times.
CONNECTIVITY
Nokia 8.3, unlike many other modern phones, is bringing an almost forgotten 3.5 mm headphone jack, which means you can still be using classing headphones. This also means that you will be able to use FM radio on this phone too. But there are some other ways of connectivity like Wi-Fi a/b/g/n/ac, NFC, BT 5.0, and Nokia 8.3 got them all. GPS connectivity is working well. Nokia 8.3 has A-GPS, GLONASS, and BDS, and the positioning is quick to lock and precise. The quality of the BT connection is superb, and Nokia 8.3 is able to stay connected with Huawei Watch GT2 and Nokia Power Earbuds even if I move to the other corner of the apartment. NFC is also connecting well with the old but gold Nokia JBL PlayUp speaker.
There is also the 5G support, and Nokia 8.3 will be able to use non-standalone and standalone 5G networks. The only thing missing is the mmWave, but not so many operators are using it, so that will not be a problem, especially now when 5G is still a rarity and people rely most on a signal from 4G networks.
I did not manage to test the 5G network yet on 8.3, but that will be a reality soon so can be sure that Nokia 8.3 will endure the upcoming networking changes.
CAMERA
One could think that the main selling advantage of the Nokia 8.3 5G is in its 5G connectivity or a large 6.81-inch display but it is actually the main 64 camera sensor, with the f1.9 aperture and 0.8 um pixel size, which might be the best that Nokia Mobile launched to this day. The camera is coming with ZEISS certified lenses, and it is using pixel binning technology, which means that four pixels are combined to create 16MP sharp and realistically looking photography.
But the whole camera setup is not that special, it lacks 5X optical zoom lenses or optical stabilization, but it is performing rather quickly and well in all light conditions, good day light and finally low light. That can also be said for the ultra-wide camera, which is now useful for the photography, but it would definitely benefit from a more powerful sensor instead of a 12MP one with a 1.4 um pixel size. Then, for some unknown reasons, there is a 2 MP macro camera that hopefully will not happen again, and a 2 MP depth camera for making good portraits with blurred background. The selfie camera is equipped with a powerful 24 MP sensor, which is not coming with ZEISS lenses, but the photos and videos are looking great.
Another good thing about Nokia 8.3 5G is its Camera app, which is one of the two apps that Nokia Mobile is preinstalling on their phones. The app in Nokia 8.3 did not bring some substantial UI changes, and it still looks the same as in previous models. It is rather simple to use, and you can change the camera modes or setups by swiping your finger across the screen, which is nice. The Camera app has a classic Photo mode, an improved Night mode, Video mode, and a Pro mode, that you can activate also by pulling the shooter button towards the centre of the display. Pro mode offers you manual controls of the camera, and I hope that a slight UI issue of not being able to see the value you are adjusting is going to be sorted out.
I know that many would like to see the dedicated camera button return to Nokia phones, but you can quickly start the app by double-pressing the power button, which is not the best solution since it is not so protruded, but it is a handy shortcut. You can use the volume up button as a camera shutter when the app is on, and that might be the solution for the problem of the missing dedicated camera button.
A new feature in the camera app is the Cinema mode, which is developed by ZEISS, and the possibility to record videos with 24 fps, 21:9 ratio, and up to 4K resolution. This option also gives you the possibility to record in H-Log format, and you also have Video Pro mode with real-time controls over the white balance, focus, ISO, and other parameters. Video is also recording audio in high-quality thanks to Nokia’s OZO Audio software, which is also a nice addition.
I was surprised by the quality of the shots the first time I tried Nokia 8.3, especially since I made a switch from Huawei P30 Pro which is an exceptional shooter. But I must say that taking photos with the Nokia 8.3 is rather simple, quick, and the quality of the photos is good. Daylight shots are nicely representing colors and have a good dynamic range. I do not like that the sensor is distorting the data at its ends, but the central part of the photo is exceptionally sharp. Maybe some software tuning is needed here to make the photos even better. The photo quality is a bit reduced here, but as always, do check our Flickr account to see more photos in full resolution.
So, you can shoot in 4:3, 16:9, 1:1 or take the ultra wide shot. Those are the options, and shots are pretty much great, on the PC monitor too.
Night shots are finally good enough to be shown to other folks, and they are turning rather well even though there is no optical stabilization (4:3, shots reduced to 1000 pixels width).
The wide camera is finally good enough for daily usage. It is coming with large 1.43 um pixels which makes it also good for low light photos and videos which Zeiss Cinema mode is using.
A macro camera with a 2MP sensor is just something that should not be included in this phone since you can take better shots with a 64MP main camera, zoom the wanted object or surface and get a sharper picture. The camera doesn’t produce good enough shots that would justify its existence.
The selfie camera is performing also very well, and portraits are looking super sharp, and crisp, even in low light. The portrait mode is working well enough, and there are some ZEISS effects like Modern, Swirl, Smooth, classic, and others that you can use to make the shots look like they are taken with a real camera. Sorry about my face, especially in the dark.
Videos are turning well on Nokia 8.3 5G, especially in good light conditions, but a lot of work needs to be done on night or low light videos. Interestingly, it seems that Google helped Nokia Mobile create super stable videos, and you can really see that. Do not be surprised when you go into the video mode and see a slightly enlarged viewfinder, that is because algorithms are using a part of pixels to stabilize the video, and they are doing exceptional work. You can run, ride a bike, and still get an exceptionally steady video.
Nokia Mobile also included the wind noise filter which is not working perfectly but will reduce the problematic wind noise.
https://youtu.be/AQp1eAzhuQs
BATTERY
For powering a 6.81-inch display, 64 MP camera, Snapdragon 765G and 5G antennas, a good smartphone needs a battery of larger capacity to take it through a day. Nokia 8.3 5G has a 4500 mAh battery, which will be enough to keep the device running all day with 10 to 15 calls of 2 to 5 minutes, some 30 minutes (OK maybe 45 min) of Brawl Stars and Subway surfers, watching one Mandalorian episode, 9gaging, and doing standard social networking reading, surfing. The 18W fast charger isn’t the fastest, and it is charging some 1.16 % per minute and will get you some 50% of battery charge in 40 minutes, which is not the best but will serve you well. I am usually charging overnight, so I do not mind the charging process being a bit slower, but a faster charger could become a standard in the class of smartphones where the Nokia 8 resides.
It would be nice if Nokia 8.3 5G was coming with a wireless charger since there is a place for a wireless charging coil in its body, and wireless charging is a thing for its price range.
FINAL THOUGHTS
Nokia Mobile finally brought a good phone that might be appealing to people that are looking for a good working smartphone. Nokia 8.3 5G got a nice design, especially the back, nicely performing back and front-facing camera, 5G connectivity, good performing processor, large LCD display with great color reproduction and sharpness, and a long-lasting battery. There are some key features that might make this phone even better like wireless charging, faster fast charging, higher refresh rates of the display, better macro camera sensor, smaller bezels, and a differently positioned loudspeaker. Those additions would justify the price also, and a fact that the phone should have been announced in May 2020, not late November.
Anyhow, Nokia 8.3 5G is finally available and might serve well people who want a smartphone with a large display, capable camera, and a day lasting battery. If you
I switched from Huawei P30 Pro and thought I’ll be back because of its powerful camera and long lasting battery, but I’m still on Nokia 8.3 5G because it is fast, reliable and has a large flat screen that I prefer.
If you do choose Nokia 8.3, the phone won’t let you down, and it will serve you well, and also as a weapon since it is built like a tank like a true Nokia phone is.
https://i0.wp.com/nokiamob.net/wp-content/uploads/2020/11/Nokia-8.3-5G-SIM-and-pin.jpg?resize=768%2C576&ssl=1 Nokia 8 is an important series of Nokia phones, so no wonder that everyone has been eagerly anticipating the Nokia 8.3 5G. Nokia 8 was usually the first Nokia smartphone to bring some advanced technologies to a more affordable price range of Nokia smartphones. It has been like that since a long time ago, and […]
https://www.aysim.net/wp-content/uploads/2020/11/levis-fashion-brand-authentic-womens-jeans-high-quality-breathable-womens.jpg 100% Cotton Imported Button closure Machine Wash Relaxed Fit Hits at hip
Live a stronger, smarter life with Galaxy Watch at your wrist. Rest well and stay active with built-in health tracking and a Bluetooth connection that keeps everything at your wrist. Plus, go for days without charging.
Go nonstop for days on a single charge. The wireless charger lets you power up without slowing down. (Average expected performance based on typical use. Results may vary.)
Available in two sizes and three colors, the Galaxy Watch offers stylish watch faces so realistic they hardly look digital. Plus, choose from a collection of interchangeable bands.
Pairs with both Android and iOS smartphones via Bluetooth connection.
Included in box: Galaxy Watch, Additional Strap (Large and Small included), Wireless charging Dock, Travel Adaptor, Quick Start Guide, User Manual (Warranty: 1 Year Standard Parts and Labor)
Customer Rating
4.6 out of 5 stars(13730)
4.7 out of 5 stars(15552)
4.6 out of 5 stars(1120)
4.6 out of 5 stars(5834)
Price
$156.97$156.97
$199.99$199.99
$156.71$156.71
$139.00$139.00
Sold By
Networkstore
Amazon.com
A4C Online
Amazon.com
Color
Silver
Black
Silver
Black
Compatible Phone Models
Samsung Smartphone, Non-Samsung Android Smartphone(Android OS 5.0 and above RAM 1.5GB and above ), iOS 9.0 and above iPhone 5 and above
Samsung
Not Applicable
Samsung, iPhone, LG
Item Dimensions
0.50 x 1.81 x 1.92 inches
1.73 x 1.73 x 0.43 inches
1.81 x 1.93 x 0.51 inches
1.56 x 1.56 x 0.41 inches
Item Weight
2.88 ounces
4.80 ounces
1.06 ounces
0.90 ounces
Operating System
Tizen 4.0
—
—
Tizen 4.0
Product description
Style:Bluetooth | Size:46mm | Color:Silver
Live a stronger, smarter life with Galaxy Watch at your wrist. Rest well, stay active and keep stress at bay with built in health tracking. Go for days without charging your watch. The Bluetooth connection keeps everything at your wrist. Compatible with select Bluetooth capable smartphones. Galaxy Watch supported features may vary by carrier and compatible device. For best results, connect with compatible Samsung Galaxy smartphones.) Battery life for Bluetooth (46mm) model is roughly three to four days. Battery life for LTE model and Bluetooth (42mm) model is roughly two to three days. Your results may vary. Do not expose the device to water at high pressure. Control all your connected home devices from your wrist even when you’re not home. Plus, get the details of a security camera alert from the SmartThings app on your Galaxy Watch.
#1,871 in Electronics (See Top 100 in Electronics) #3 in Men's Smartwatches #91 in Smartwatches #4,272 in Men's Shops
Is Discontinued By Manufacturer
No
OS
Tizen 4.0
Wireless communication technologies
Bluetooth
Connectivity technologies
Bluetooth
GPS
Yes
Display technology
AMOLED
Other display features
Wireless
Device interface - primary
Touchscreen
Form Factor
Watch
Colour
Silver
Included Components
Samsung Galaxy Watch^Straps^Wireless Charger^Wall Charger^USB-A to MicroUSB Cable^Quick Start Guide
Department
Womens; mens; unisex-adult
Manufacturer
Samsung
Date First Available
August 10, 2018
https://www.aysim.net/wp-content/uploads/2020/11/for-samsung-gear-s3-galaxy-watch-46mm-wristband-genuine-painting-leather.jpg Supported Application Email Brand Samsung Electronics Size 46mm Supports Bluetooth 802.11b, 802.11g Color Silver About this item Live a stronger, smarter life with Galaxy Watch at your wrist. Rest well and stay active with built-in health tracking and a Bluetooth connection that keeps everything at your wrist. Plus, go for days without charging. Go nonstop […]
It’s that time of year again, friends. The time where folks go wild for everything from discounted socks to ridiculously cheap televisions. The Black Friday sales are only a few days away (though some retailers have gone and kicked off their deals early), so get your bodies ready for some intense shopping.
I know, I’ve said before that Black Friday is passé now that online shopping has ensured that deals are actually all around us, pretty much constantly.
And while it’s certainly possible to save on holiday gifts throughout the spring and summer, Black Friday is still a tradition. Seventy-one per cent of shoppers think Black Friday offers the lowest prices of the year, according to a survey from coupon code website CouponBirds.
And when it comes down to it, these shoppers aren’t wrong. TheWirecutter cited a few categories that are still prime for Black Friday savings: small kitchen appliances, Amazon-branded products, smartwatches and fitness trackers, and gaming consoles.
“Retailers aren’t necessarily saving the best deals for this time of year; it’s more that we see good sales offered alongside huge deals,” said Michael Bonebright, consumer analyst with DealNews.com, indicating limited-time or limited-quantity doorbuster deals. “Black Friday is good because there’s so much stuff on sale.”
Yes, it’s true we have complicated feelings about the pitfalls of consumerism. But if you’ve already made a modest and realistic gift shopping list that includes any of the following, you may find it best to stick to tradition and hold off buying until Black Friday arrives.
Video games and consoles
Gaming consoles don’t usually make the cut, writer Elissa Sanci noted for The New York Times. “As PlayStation 4 and Xbox One consoles continue to age — and as rumours swirl about next-generation devices on the horizon — it seems likely that we’ll finally see substantial discounts on high-end gaming consoles like the PlayStation 4 Pro and Xbox One X,” she wrote.
Consumer expert Andrea Woroch also cited video games and consoles. “Everyone from Target [to other major retailers] will be promoting major deals on video game consoles and offering bundle deals” that include games and controllers, she said by email.
Smart home devices
Woroch and Bonebright cited smart home devices as a major source of savings this Black Friday. Woroch pointed out that last year, video doorbells were discounted 30-40 per cent off for Black Friday.
And don’t forget about Amazon’s devices. Aside from Prime Day, Black Friday tends to be Amazon’s biggest “Amazon’s third-generation [Echo] Dot will be available at $US22 ($32) from almost every retailer around Black Friday,” he said, “But Amazon itself will have them in a three-pack for just $US65 ($95).” The device normally retails for $79 in Australia. Granted, you may not need multiples of items that are sold as bundles during the holidays. But it goes to show it’s worth doing your comparison shopping before settling on the first deal you see.
Small appliances and vacuums
Beyond stand mixers and popular tools such as the Instant Pot, kitchen devices can hit ridiculously low prices, even for well-known brands. “You will ... find a bunch of doorbusters on small appliances such as griddles, coffee makers and toasters, sometimes for as little as $US10 ($15) or less,” Woroch said. “Some of these deals may require a rebate, so just make sure you take the extra step to mail it in to get the deal.”
Woroch also pointed out vacuums and kitchen appliances as major areas for deals. Some brands, like Dyson, rarely go on sale until Black Friday rolls around, she said.
And while my own experience is far from scientific, I can tell you this: Whenever I’ve needed a new vacuum or a new blender, I’ve waited until Black Friday or Cyber Monday to do my shopping and have gotten a much nicer model than what I would have been willing to pay full price for.
TVs
If you’re looking to upgrade your home viewing experience, you can expect to see $100 to $500 off 4K TVs on Black Friday, with some discounts of $700 or more on larger (60-inches or more) sets, said Kristin McGrath, editor of BlackFriday.com. “Be sure to check the model numbers, specs and brand, though,” she warned, as some doorbusters are lower-end models (often referred to as derivatives. “You don’t want to get surprised by a low-quality set.”
The bottom line: When it comes to items you have to plug in, Black Friday is probably the best time to get a good deal on your shopping.
https://www.aysim.net/wp-content/uploads/2020/11/Shopping-scaled.jpg Shopping Black Friday
By Gabor Gurbacs, Director, Digital Assets Strategy; Kyle DaCruz, Product Manager, Active Strategies; Denis Zinoviev, Associate Product Manager, ETFs
Historically, bitcoin has been discussed in the news and among investors as a nascent and volatile asset outside of the traditional stock and capital markets. Much of the volatility over the past few years can be attributed to sensitivity to small total market size, regulatory hurdles and generally limited penetration in mainstream stock and capital markets. While bitcoin continues to be a volatile asset, it may surprise researchers and investors as to what other major assets have been more volatile than bitcoin.
we had compared bitcoin correlations to traditional asset classes and now see another interesting recent trend with its volatility. In our current volatility research, we compared the 90 day and year to date volatility—as measured by their daily standard deviation[1]as of November 13, 2020—of bitcoin against the constituents of the S&P 500 Index. We found that bitcoin has exhibited lower volatility than 112 stocks of the S&P 500 in a 90 day period and 145 stocks YTD.
While there are no U.S. bitcoin exchange traded funds (ETFs) available today, we believe such products may show similar volatility characteristics—based on the comparison above—as many stocks in well-known indices and ETFs, such as the S&P 500 and related products.
1 Standard deviation is a statistic that measures the dispersion of a dataset relative to its mean and is calculated as the square root of the variance.
This is not an offer to buy or sell, or a solicitation of any offer to buy or sell any of the securities/financial instruments mentioned herein. The information presented does not involve the rendering of personalized investment, financial, legal, or tax advice. Certain statements contained herein may constitute projections, forecasts and other forward looking statements, which do not reflect actual results, are valid as of the date of this communication and subject to change without notice. Information provided by third party sources are believed to be reliable and have not been independently verified for accuracy or completeness and cannot be guaranteed. The information herein represents the opinion of the author(s), but not necessarily those of VanEck.
All indices are unmanaged and include the reinvestment of all dividends but do not reflect the payment of transactions costs, advisory fees or expenses that are typically associated with managed accounts or investment funds. Indices were selected for illustrative purposes only and are not securities in which investments can be made.
The S&P® 500 Index: a float-adjusted, market-cap-weighted index of 500 leading U.S. companies from across all market sectors.
All investing is subject to risk, including the possible loss of the money you invest. As with any investment strategy, there is no guarantee that investment objectives will be met and investors may lose money. Diversification does not ensure a profit or protect against a loss in a declining market. Past performance is no guarantee of future results.
t’s been a very good week for Elon Musk. Not only did his SpaceX successfully send four NASA astronauts to the International Space Station in its first operational mission on Sunday, but S&P Global announced on Tuesday that Tesla would be admitted to the S&P 500 index. Tesla, which had been snubbed by the index earlier this year, will be added to the S&P 500 by December 21.
The stock skyrocketed, ending the week up nearly 20% as the S&P 500 and Dow Jones Industrial Average dropped 0.8% and 0.7%, respectively. As of market close Friday, Musk had a net worth of $104.5 billion, up $13.7 billion from the week prior.
There may be more gains to come for Tesla. Mutual funds tied to the S&P 500 will want to incorporate Tesla into their portfolios, according to Arjun Menon, vice president of U.S. equity strategy at Goldman Sachs, potentially bringing in $8 billion in new investments.
Tesla was not the only electric vehicle stock to spike this week. Xpeng, a Chinese electric automaker founded by billionaire He Xiaopeng, announced sophisticated new autonomous driving software on Friday. The company, which has already reported record sales in China in September and October, was up 28% for the week. Xiaopeng now has a net worth of $10.6 billion, a weekly increase of $2.4 billion.
LVMH chairman and CEO Bernard Arnault added $6.5 billion to his net worth. The luxury goods giant, which counts Dior and Givenchy among its brands, has been buoyed by the positive results reported by vaccine makers Pfizer and Moderna on the hopes that Chinese tourists will return to fashion capitals like Paris and Milan in pre-pandemic numbers. With international tourism ensnared by the virus, Bain & Company reports that spending on luxury items by Chinese customers will be down by one-third for the year. Arnault, the second-richest person in the world, has a net worth of $140.3 billion.
SUN VALLEY, ID - JULY 14: Phil Knight, co-founder and chairman emeritus of Nike, attends the fourth day of the annual Allen & Company Sun Valley Conference, July 14, 2017 in Sun Valley, Idaho. Every July, some of the world's most wealthy and powerful businesspeople from the media, finance, technology and political spheres converge at the Sun Valley Resort for the exclusive weeklong conference. (Photo by Drew Angerer/Getty Images) GETTY IMAGES
On the more casual side of retail, Nike founder Phil Knight also had a good week. Nike announced on Friday that it will increase its dividend by 12% thanks to strong sales. Shares of the sneaker and athleisure maker were up 3.7% for the week, and 32 % for the year, as the pandemic has kept people home in leggings and sweatshirts instead of office wear. Knight, who is now worth $50.2 billion, added $1.5 billion to his net worth this week
HERE ARE THE BIGGEST BILLIONAIRE GAINERS THIS WEEK.
The net worth change is from the Friday, November 13 market close to the Friday, November 20 market close.
Black Friday is just days away and the sales have already started. Over the next week much will be published about how to find the best deals. Getting the most out of Black Friday sales, however, is about more than just finding the lowest prices.
Here are 7 easy ways to get the most out of Black Friday.
1. Use a cash back shopping portal
Start any online purchase with a cash back shopping site. With these sites, you can navigate to just about any online store, from Macy’s to Amazon to Forever 21. By starting at the cash back site before clicking to your favorite store, you enable the site to earn an affiliate commission on your purchases. The site then in turn shares a portion of their commission with you.
My favorite cash back site is Rakuten (formerly Ebates). Here are a few of its current cash back offers:
Nike: 7%
Macy’s: 6%
Forever 21: 10%
Walmart: Up to 6%
These cash back rewards are in addition to any Black Friday deals you find at these stores.
2. Use the best cash back credit card
The best cash back credit cards today pay at least 2% on every purchase. Some pay much more. Here are a few of my favorites:
Citi Double Cash: 2% cash back on all purchases (1% when you buy; 1% when you pay the credit card bill)
Apple Credit Card: 3% cash back on purchases of Apple products and services.
Amazon Prime Visa: 5% cash back at Amazon and Whole Foods for Prime members.
A cash back card in combination with a shopping site like Rakuten can generate 10% cash back or more on a purchase.
I save and invest all of my cash back rewards. Between Rakuten and cash back credit cards over the past two years, my cash back investment portfolio is now over $13,000. You can see how exactly how I do this in the following video
https://youtu.be/DpEVzES4tAQ
3. Think beyond the holidays
While a lot of Black Friday shopping is for the holidays, there’s no reason to think beyond Christmas. Shopping for next year’s birthdays and anniversaries now can save money in the long run. You do want to make sure you can pay for all of the purchases now, rather than carrying a balance on credit cards from month to month. If your budget allows, buying gifts for next year during Black Friday can save money and check a lot of to-dos off your list.
4. Remember Cyber Monday
As more and more shopping goes online, the distinction has blurred between Black Friday and Cyber Monday. There are, however, some differences. Cyber Monday is often where some of the best deals can be found on computers and electronics. Yet great deals can also be found on clothing and travel on Cyber Monday, according to BlackFriday.com.
5. Start Early
Back in the day, Black Friday deals fell on the day after Thanksgiving. Over time, retailers began offering deals earlier and earlier. Today, Black Friday savings are already in full swing. Here are a few examples:
Of course, some of the best deals may indeed fall on Black Friday. It may still be worth starting now as some retailers have already started offering great sales.
6. Plan ahead
Don’t buy something just because it’s a good deal. Certain people in my life who shall remain nameless like to tell me how much money they saved at the mall. Sometimes the amount we save can distract us from the amount we spent. A good deal is only a good deal if it’s on something we truly need or want.
Plan out exactly what you need and want to buy in advance.
7. Use discounted gift cards
Another great way to save money when shopping is to use discounted gift cards. Sites like Raise.com offer a marketplace for buying and selling gift cards. The cards on the site sell at a discount from their face value. Here are some of the discounts off of face value that were recently available on the site:
Walmart: 2.17%
Cabela’s 14.16%
Home Depot: 1.51%
Bed Bath & Beyond: 3%
However you save money and find the best deals on Black Friday, please stay safe. The days of showing up at Walmart with 300 other people in the wee hours of the morning on the day after Thanksgiving are, hopefully, a thing of the past.
Some of the discounts UK retailers such as Tesco, Asda, Argos and Aldi are offering
The Black Friday sale no longer lasts only a day – retailers have already started discounting in the run-up to 27 November.
Here’s a roundup of some of the offers:
• Aldi is running a Black Friday sale online and waiting until the day itself to launch its deal. It is offering a Nintendo Switch for £229 – £50 off the going rate. Other deals include a Lego Millennium Falcon kit for £59.99.
• As the winter nights get longer, now may be the time to add a little security and peace of mind to your front door. With £60 off, the latest Ring Video Doorbell 3 could be the simple upgrade you’ve been looking for at only £119 from Amazon, Ring and other retailers.
• If you’ve been considering upgrading to pay-TV, Sky’s 50% off deal may save you a fair chunk of change over 18 months. Plans start from £25 a month, plus a £20 one-off setup charge, with Sky Sports and Sky Cinema available at half-price.
• Very has a Samsung 55-inch TV reduced by £400 – £1,299 down to £899. The site currently says it is “awaiting stock” but it expects to deliver by 14 December – just in time for the Christmas specials.
Also at Very, Apple’s AirPods Pro noise-cancelling headphones are reduced from £249 to £199.
• Nespresso is selling a VertuoPlus coffee maker and Aeroccino 3 milk frother, plus 100 capsules, as a package for £89 until 2 December. The coffee maker on its own has a recommended retail price of £199, although it is currently selling for £99 on the site.
Dyson is offering the V8 Absolute Pro at £100 off. Photograph: Samuel Gibbs/The Guardian
• The Dyson V8 Absolute Pro cordless vacuum has £100 off at the Dyson website until 1 December. It usually costs £399. The similar V8 Absolute Extra is subject to the same offer at Currys and John Lewis.Advertisementhttps://d26a78a87fc43d4090d553d9b8c4f352.safeframe.googlesyndication.com/safeframe/1-0-37/html/container.html
• The Natural History Museum is running two promotions: until 23 November there’s 50% off some adults gifts, including scarves, T-shirts and socks, then between 27 November and 1 December there will be half-price deals on kids’ gear and homeware, including a dinosaur backpack for toddlers reduced to £9.
… just when we need it the most. Millions of readers around the world are flocking to the Guardian in search of honest, authoritative, fact-based reporting that can help them understand the biggest challenge we have faced in our lifetime. But at this crucial moment, news organisations are facing a cruel financial double blow: with fewer people able to leave their homes, and fewer news vendors in operation, we’re seeing a reduction in newspaper sales across the UK. Advertising revenue continues to fall steeply meanwhile as businesses feel the pinch. We need you to help fill the gap.
We believe every one of us deserves equal access to vital public service journalism. So, unlike many others, we made a different choice: to keep Guardian journalism open for all, regardless of where they live or what they can afford to pay. This would not be possible without financial contributions from those who can afford to pay, who now support our work from 180 countries around the world.
Reader financial support has meant we can keep investigating, disentangling and interrogating. It has protected our independence, which has never been so critical. We are so grateful.
We need your support so we can keep delivering quality journalism that’s open and independent. And that is here for the long term. Every reader contribution, however big or small, is so valuable
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Starbucks baristas will receive higher wages of at least 10% starting Dec. 14.
The coffee chain is already known for giving its workers more generous benefits and pay than other retailers and restaurant chains.
Florida recently voted to increase its wage floor over the next six years until it reaches $15 an hour.
Starbucks is raising hourly wages for its baristas as the restaurant industry braces for a higher minimum wage when President-elect Joe Biden takes office.
Starting Dec. 14, baristas, shift supervisors and cafe attendants who were hired before Sept. 24 will receive a pay increase of at least 10%, according to an internal memo obtained by CNBC. Employees who have worked at a company-operated location will receive an increase of at least 11%. And starting wages will be hiked 5% to help cafe managers find more staff.
The coffee chain is known for giving its workers more generous benefits and pay compared with other retailers and national restaurant chains. It already pays above minimum wage.
Business Insider first reported the memo, written by Rossann Williams, president of company-operated Starbucks locations in U.S. and Canada. Williams wrote the memo on Nov. 2, the day before the presidential election.
In March, Starbucks was among the companies that offered catastrophe pay to its workers as Covid-19 cases surged in the U.S. As it reopened cafes in its home market, it began phasing out the benefit.
The pay hikes come as voters express support for a higher minimum wage. The federal wage has been $7.25 per hour for more than a decade, and the restaurant industry is expecting a hike during Biden’s tenure as president.
States and cities are being more proactive. Florida recently voted to increase its wage floor over the next six years until it reaches $15 an hour. It is the eighth state to approve a $15-an-hour minimum wage and the second-most populous state to do so.
The American consumer's shift toward online shopping accelerated in a big way this year. Domestic e-commerce sales are on pace to grow by 32% in 2020 to $795 billion, a level that the analysts at eMarketer had originally expected wouldn't be reached until 2022. The market analysis firm now forecasts that U.S. e-commerce revenues will reach $1.2 trillion in 2024.
This market will evolve and change over time, but a few giants are already grabbing outsize shares of it. All of the companies below are beating the market year to date, and seem poised to continue doing so for years to come. Here are the four largest e-commerce stocks by market cap in mid-November 2020, for your consideration.
1. Amazon: $1.56 trillion market cap
This is probably the first name that springs to mind when you think about e-commerce. Amazon (NASDAQ: AMZN) has built an online retail empire, bolstered by a massive logistics system and a highly profitable cloud computing service. Its revenues rose 37% year over year in the recently reported third quarter, setting the stage for a phenomenal holiday season.
The company is huge in North America, but has only just begun to nibble on international markets. In the first nine months of 2020, 70% of its e-commerce revenues came from the domestic market, and its international operations continued to report operating losses. It's a big world out there, and I expect Amazon to lean into international expansion while also exploring new business ideas. This growth stock will have legs for many years to come.
2. Alibaba: $695 billion
While it's often described as the Amazon of China, Alibaba Group (NYSE: BABA) actually utilizes a very different business model. Amazon keeps a huge network of warehouses stuffed with goods, selling products directly to consumers, and also managing shipments for third-party sellers. By contrast, Alibaba is more similar to online marketplace operator eBay (NASDAQ: EBAY), which manages transactions between businesses and consumers without holding inventory or shipping packages itself.
Comparisons between Amazon and Alibaba are still inevitable because Alibaba dominates China's e-commerce market with the same authority that Amazon holds in North America. Alibaba managed $1 trillion of gross merchandise volume in 2019, meeting a goal that management set five years earlier and accounting for one-sixth of all retail sales in China last year.
The company is also expanding its operations outside China, launching or acquiring e-commerce businesses across Southeast Asia, and it has ambitions to eventually enter the European and North American markets.
Image source: Getty Images.
3. Walmart: $430 billion
I'm including retail giant Walmart (NYSE: WMT) in this list because the company takes its digital sales channels seriously. E-commerce sales grew 79% year-over-year in the third quarter, combining direct-to-home shopping with placing orders online for pick-up at a local store. The company recently launched Walmart+, a free shipping service in the mold of Amazon Prime, aiming to earn a greater share of its customers' shopping budgets.
"The lines are blurring between e-commerce and stores, and it's all about serving the customer the way they want to be served, whether that's having the customer be welcome to shop in-store, pick up at the store, or delivery," Walmart U.S. CEO John Furner said on the Q3 earnings call.
Walmart makes waves wherever it goes, and it will in the e-commerce world too. It's still relatively early, but management's desire to build out a larger online presence is clear.
Image source: Getty Images.
4. PayPal: $227 billion
Online payments veteran PayPal (NASDAQ: PYPL) used to be a wholly owned division of eBay, but times have changed. These days, eBay accounts for just 7% of PayPal's payment volume, and that slice is shrinking fast. Instead, PayPal caters to a broad set of online shoppers and the e-commerce stores they patronize, like a financial lingua franca of sorts.
That's a powerful market position to occupy.
PayPal won't just rest on its laurels, though. The company is expanding its portfolio of financial services at breakneck speed. For example, its popular Venmo money-transfer service is getting a credit card that will have a QR barcode on it -- a tool that will make it even easier to handle tasks like splitting up the bill around a restaurant table. PayPal will soon let you buy and sell cryptocurrencies such as bitcoin on its app and in Venmo. Eventually, consumers will be able to use cryptocurrencies to cover purchases wherever PayPal is accepted.
PayPal's financial tools will process more than $900 billion worth of payments in 2020 for 375 million customers, up from $649 billion and 305 million customers in 2019. This is a financial powerhouse that's built to thrive in a digital future that many traditional banks tried to stave off for too long.
Find out why Amazon is one of the 10 best stocks to buy now
Motley Fool co-founders Tom and David Gardner have spent more than a decade beating the market. After all, the newsletter they have run for over a decade, Motley Fool Stock Advisor, has tripled the market.*
Tom and David just revealed their ten top stock picks for investors to buy right now. Amazon is on the list -- but there are nine others you may be overlooking.
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John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool's board of directors. Anders Bylund owns shares of Alibaba Group Holding Ltd. and Amazon, and owns bitcoin tokens. The Motley Fool owns shares of and recommends Alibaba Group Holding Ltd., Amazon, and PayPal Holdings. The Motley Fool recommends eBay and recommends the following options: long January 2021 $18 calls on eBay, short January 2021 $37 calls on eBay, short January 2022 $1940 calls on Amazon, long January 2022 $1920 calls on Amazon, and long January 2022 $75 calls on PayPal Holdings. The Motley Fool has no position in any cryptocurrencies mentioned. The Motley Fool has a disclosure policy.
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