Robinhood Gold Pricing and APR

Robinhood Gold works on a tiered pricing system, increasing the cost of gold based on your balance, investments, and desired buying power.

When it comes down to the numbers, Robinhood gold essentially costs 5% APR on whatever buying power you desire with a minimum charge of $10/month on the first $2000. Although a lower tier of $1000 extra buying power at $6/month is listed here, Robinhood currently only offers the $2000 buying power tier. In the future, they may offer a Gold account at $5/month with no increased buying power. 

Robinhood now has extended trading hours as a standard with the free accounts. The gold account brings (limited) instant deposits and increased buying power. It’s unclear what features the gold account may have if it is being offered with no increased buying power.

 

Facebook Research Study $20/month “Atlas” Referral Code

You can join the Facebook research study, “Project Atlas” and earn $20 a month from your participation.

The link to sign up is: https://my.betabound.com/key/atlas

While signing up, enter “[email protected]co” or “Proper diamondback” in the referral code section.

You may also want to review the NDA and Tester Participation Agreement.

 

Referral Terms:

Whether you’re participating in Project Atlas or not, you are eligible to receive $20 for every qualified referral into the Atlas project. That’s on top of the $20/month participation incentives on this project (if you participate yourself).

Important notes before you submit your referrals

  • Referred users cannot already be participating (or previously participated) in this project
  • Referred users’ device cannot be previously registered on Project Atlas or Kodiak
  • Referred users must register and install the app within two weeks of this email
  • Referred users must participate in at least one qualified calendar month
  • Device qualifications:
    • iPhones (all models and versions)
    • Android phones on Android Marshmallow or earlier. (Note: if referred users have Android Nougat or higher, we will notify them once they qualify for this project)

SMS Verification Code From Google (220-00) : AM I BEING HACKED?!

Am I being hacked? That’s the first thing I thought when I received the following message from 220-00:

Your Messenger verification code is G-######

The strange thing is, I don’t use SMS 2-factor for any of my Google accounts. Apparently, Google still uses it internally. This particular code format is used for verifying RCS for Google’s new enhanced SMS service. The codes are sent out automatically and are intended to be viewed only by your phones internal system, never displayed to the end user. Some Android phones (and likely all iPhones) end up displaying the SMS instead.

So no, if you receive this message, you’re not being hacked, you’re just seeing some internal message intended only for your SMS app to parse. Do be careful and keep this code private still as it could be used to authenticate into your project fi account.

 

Specimen of Share Certificate and Share Certificate Types

A share certificate is a signed document that proves that one has legal ownership to the number of shares indicated on the document, and it signed on behalf of the legal entity. A share certificate can also be called a stock certificate.
A share certificate acts as a proper receipt for ownership and purchase of shares from a specific company. The document should have a particular date of ownership of the shares.
A legal share certificate should have the following essential information, shareholder name and address, number of shares, company name, shareholder registration number, class of shares, certificate number, the amount paid and the particular date when the shares were issued.
The specimen of share certificate refers to the examples or types of shares. The specimen of share certificate include;
Ordinary sharesThese are the most common types of shares. They act as a representation of the voting rights of the company. They only carry one vote per share. The shareholder has the right to participate in the dividends of the company equally. In cases where the company is winding up, the holder has a reason to be given the company assets.

A specimen of Share Certificate for Alphabet Inc GOOG

 

There are many types of shares that a share certificate can represent including:

Preference shares
The shareholder has alternatives when it comes to company dividends payment or when the company is winding up. The holder has voting rights but they are restricted to particular situations or resolutions, and this majorly depends on the terms of the shares.

Partially paid shares
The holder of these kinds of shares has the same privileges as that of an ordinary shareholder, such as voting, winding uprights, and dividends. One can be a shareholder before completely paying the issue price.

Non-voting ordinary shares
These kinds of shares do not give the shareholder any voting rights. The holder is not allowed to be part of the company’s general meeting. The only thing the holder is entitled to is a particular amount of the company’s capital. They are mostly given to employees or principal shareholders family members.

Deferred ordinary shares
These type of shares have fewer rights compared to the ordinary shares. Some of their rights include, right to dividends paid after a particular date, stocks to profits that can only be paid after the payment of all classes of shares.

Redeemable Shares
These kinds of shares cannot be repurchased by the company in the future. The date of redemption can be fixed by the company, or the company can have that as a secret. Sometimes the company can buy back the shares for profit gain.
Redeemable preference sharesThese shares have both the characteristics of redeemable and preference shares. The holder has dividends preferential rights that can either be non-cumulative or cumulative. The company can redeem or retain the shares in the future.

Cumulative Preference Shares
The shareholder has the right to cumulative dividends that have not been fully paid or missed. This right does not apply to all the shareholders since for the ordinary shareholders will only receive dividends when all the profits in cumulative preference shares have been fully paid.

Alphabet Shares
It is a subtype of ordinary shares. The shares have shareholder rights that vary. Alphabetical letters are used to represent classes of shares that have different rights such as dividends, voting, and capital rights.

Management Shares
The shareholders have extra voting rights, and they take part in the company’s general meetings, it has a significant advantage to the shareholders especially if the company issues shares to the outside investors.
In conclusion, shares certificate are always in the form of shares. It plays a significant role in an individual or corporate asset management. It can also be used to claim ownership of shares from a particular company.

Are the Robinhood Checking and Savings Accounts FDIC Insured?

Robinhood recently announced a spectacular deal on checking and savings accounts: 3% interest! This is a rate that beats most bank savings accounts as well as many bank-offered CD (Certificate of Deposit) interest rates.

While the Robinhood accounts are not FDIC insured, they are SIPC insured. Although these insurances are not equivalent, they do offer some level of protection for your money. To learn more about FDIC and SIPC insurance, check out this USA Today article.

Welcome to the all new Robinhood, now with all the stuff you’d want from checking and savings—but way better.

Earn 3% on Your Money
You’ll earn 3% on all the money in your checking AND savings every year. That’s a free $240 every year for the average American family with $8,000 in the bank.

No Fees, No Commitments
Say goodbye to the sneaky fees big banks charge. Robinhood Checking & Savings has no minimums, no monthly fees, no overdraft fees, and no foreign fees. Fee free, for real.

Access 75,000 free ATMs
Access more free ATMs than with the 5 largest banks combined. Search for the nearest ATM in the app, or drop into your local 7-11, Target, Walgreens, or Costco. Cha-ching.

All in one app
Invest, manage your money, deposit checks, get 24/7 customer support, and more—all on the Robinhood app.

Supplies are limited. Update to the latest version of the Robinhood app to get early access.

Sincerely,
The Robinhood Team

PNC Bank Locations in California

Unfortunately, PNC Bank does not have any locations in San Francisco, Sacramento, Los Angeles, or anywhere else in California. If you are trying to bank with PNC while you are outside of their service states, you may not be able to find a Teller or ATM, but you can still Bank By Mail with PNC. Banking by mail allows you to make deposits and cash checks using PNC’s mail service. For some account types, there may be a fee to use the bank by mail service.

PNC Branches are located in the following states

Alabama
Delaware
District of Columbia
Florida
Georgia
Illinois
Indiana
Kansas
Kentucky
Maryland
Michigan
Missouri
New Jersey
New York
North Carolina
Ohio
Pennsylvania
South Carolina
Virginia
West Virginia
Wisconsin

You can search by your City, State and Zip or browse by state to find PNC locations nearest to you.

Title 21 of the Code of Federal Regulations

In the Code of Federal Regulations (CFR) issued by the United States, Title 21 deals with how food and drugs are governed within the country. Title 21’s directives are carried out by the Food and Drug Administration (FDA), the Drug Enforcement Administration (DEA), and the Office of National Drug Control Policy (ONDCP).

Open Title 21 of the CFR: 21 CFR

The first chapter of the CFR Title 21 specifies more than a thousand requirements overseen by the FDA. Some of the more notable sections have to do with the protection of human subjects in clinical trials, the labeling of certain packaged foods with nutrition labels, and the way drugs are advertised and marketed.

Title 21’s second chapter covers the DEA. This part of the code deals with how controlled substances are classified, from the illegality of Schedule I drugs to the accepted medical application of Schedule V drugs.

The third chapter of Title 21 of the Code of Federal Regulations outlines government-wide requirements for drug-free work environments.