This Quirky Little Desk Accessory Is a Clock, Speaker & Pixel Art Display Follow Mashable SEA on Facebook, Twitter, Instagram, and YouTube.Ĭover image sourced from Bose, LEGO, and Amazon Singapore. We like them allbut here are the best picks. This Origami-Inspired Wallet Is Also a Nifty MagSafe Stand for Your iPhone Gear 10:00 AM Which Sonos Speakers Should You Buy From the Move to the Beam, we’ve tested nearly every speaker from the venerable brand. This Is One of the Most Underrated Tools in Any Kitchen, and You Can Get It on Sale Nowīreathe New Life Into Your Work or Living Space With This Aesthetic Pegboard For more awesome discounts, check out our Deals page! Hey! People are also reading these stories: Get them for 20 percent off at S$303 (US$225.77) on Amazon Singapore. Your buds then optimize sound and noice-cancelation, tailored specifically to your ears. Then the chime bounces back and gets picked up by the built-in microphones. The way it works is pretty smart.įirst, the buds send out a chime to learn your ear canal's unique shape. Using the company's proprietary CustomTune technology, the Bose QuietComfort Earbuds II give you the best sound quality by auto-adjusting to your ears' liking. Return and refund details on services and subscriptions, including antivirus software and Microsoft 365, are found in their terms and conditions, available at. Offering industry-leading sound and noise-cancelation, there's a lot to love about these earbuds. The Bose QuietComfort Earbuds II are touted as the next generation of wireless listening. It's still a delay, but it's far less noticeable.Get it for S$303 at Amazon Singapore (save S$76). The Low setting has an audio delay of 75 milliseconds. By default, the Line-In connection of your Sonos speaker is set to Max, which is 2,000 milliseconds or two seconds this allows for the most time for the Sonos product to optimize its sound. If your computer OS doesn't meet those requirements, no new Sonos app for you. In this menu, there are four different audio delays that you can choose from: Max (2,000 ms), High (150 ms), Medium (113 ms) and Low (75 ms). Sonos 3.7 requires Mac OS X 10.6 or higher and Windows XP Service Pack 3 or higher, including Vista and Windows 7. Scroll down and select Audio Delay > select Low (75ms).Select your speaker with the Line-In connection.Open the Sonos app > select Settings > and select System.According to Sonos, the audio delay "reduces the chance of audio issues occurring when your Sonos products are playing line-in audio in a group." The problem is that this audio delay defeats a lot of the purpose of using your Sonos speakers as computer speakers. The reason for this audio delay is that the Sonos speaker is doing some digital signal processing (or DSP) to optimize its sound and prevent distortion. This means your video and sound likely won't be lined up. When using a line-in connection, Sonos naturally has an audio delay - there will be a one or two second playback delay with the sound. How to Use Sonos Speakers As Computer Speakers via Line-In However, you'll likely find the process of having to reconnect them over and over again pretty annoying after awhile. Reestablishing the AirPlay connection is quick and easy - you just follow the above steps to make them your Mac's default speakers again. Right-click anywhere in the list, then click Show Disabled Devices. ![]() If the speaker doesn’t show up there, right-click the speaker icon in the taskbar, click Open Sound Settings, Sound Control Panel and then the Playback tab. Also, if you're using one of Sonos's smart speakers (like the One), the connection will break every time you ask something via "Hey Alexa" or "Hey Sonos." Look in this drop-down list for Optical or Digital sound output. The main reason why using AirPlay to turn your Sonos speakers into Mac speakers isn't a great option is the connection will constantly get disrupted.Įvery time your Mac falls asleep or gets turned off, the AirPlay connection will get severed. Select your stereo-paired Sonos speakers.Under "Output & Input", make sure that you have Output selected.To make your sound icon appears on your Mac's menu bar, go to System Preferences > Sound > and select the bottom option that says "Show Sound in menu bar" > and select "always" in the drop-down menu. If your sound icon isn't located on your Mac's menu bar, you're going to want it to be - because the AirPlay connection is going to frequently be severed if your Mac falls asleep or if you don't play audio for a period of time. Scroll down and select your stereo-paired Sonos speakers.Select the sound icon located in your Mac's menu bar.The classic, high-fidelity M20x studio sound with enhanced bass is now yours to take with you. After your two Sonos speakers are stereo paired, it's pretty easy to set them up so that they are your default Mac speakers. Enjoy all the convenience and comfort of a wireless design.
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![]() If you want some special colors, just write to us.Īll prints are printed in the professional print studios of our production partner in North America, Europe and Australia.Įach poster is museum-quality giclée-printed on archival, acid-free matte paper.Ĭolors may differ slightly on the display and on the finished paper. And write any favorite color to your chose listing. You can see all other color variation and palettes in different listing. But displayed our favorite color combinations for current item. If you need to call the Court, you can use this link to obtain a listing of Los Angeles Criminal Courthouses and telephone numbers: Courthouse Locations Our phone hours are from 8:00 a.m. Founded in 1954, Capitol Records was the first record company based on the West Coast, and has promoted such acts as The Beatles. ![]() in 1960s - 70s: 3061 Fletcher Drive - P.O. Clerical staff can also answer questions and provide many services by phone. Información de contacto: defunct 2121 North San Fernando Road. Not all possible color variations and palettes are displayed in this listing. The Washington State Patrol is a premier law enforcement agency comprised of dedicated professionals who work hard to improve the quality of life for our. The Los Angeles plant was purchased by Capitol in late 1945 and closed in 1981 due to a fire. And write your favorite color combination in personalized section or in note to order. Chose 'other from palettes' in Color option section. ![]() Look the color variations from the palettes showing in photos slide. More minimalist posters with Los Angeles City:Ĭan't find favorite city or place you want? Make custom request. The official website for the legendary Capitol Records, home of Katy Perry, Paul McCartney, and the rest of today's top artists. This is Los Angeles Print, Capitol Records Building Poster, LA California Los Angeles CA Hollywood Art Minimalist Custom City Print by Artica It contains three parts: Vidmore DVD Monster, Vidmore Video Converter and Vidmore Blu-ray Monster. Vidmore All-in-One must be the best Handbrake alternative which offers your complete solutions for video converting, DVD/Blu-ray ripping. ![]() Keep reading to get the top 5 video converters and DVD/Blu-ray rippers that are similar to or even more powerful than HandBrake. You need a HandBrake alternative to solve the demand that HandBrake cannot deal with. Unable to rip DVD or Blu-ray sources with copy protection directly.ĭespite that HandBrake is a totally free video converter, it’s not enough for users who need to convert videos to other formats other than MP4 and MKV, or for those who want to rip encrypted DVD or Blu-ray sources for personal use.There are various video filters available, including Deinterlacing, Decomb, Denoise, Detelecine, Deblock, Grayscale, Cropping and scaling.It supports batch scan and queuing of encodes.There are many basic and advanced options that can help you improve your encodes.Support to convert most common multimedia files.If you want to rip encrypted DVD discs, you need to install a DVD playback library named HandBrake libdvdcss, which can help HandBrake decode DVDs with copy protection. It is also able to rip DVD or Blu-ray sources without copy protection to digital video formats so that you can easily play them in multiple media players. ![]() HandBrake is a well known open source video converter that can convert videos from nearly any format to a selection of modern and widely supported video formats. ![]() We will also discuss using the geometric nets of different 3-D solids to find their surface area.Ī geometric net can be defined as a two-dimensional shape that can be modified to form a three-dimensional shape or a solid.Ī net is defined as a pattern obtained when a three-dimensional figure is laid out flat, showing each face of the figure.What a geometric net is and a geometric net definition,.A given net may be folded into a different convex polyhedron, depending upon the angles in which the edges are folded and which edges are joined together. A polyhedron net is a shape where a non-overlapping edge joined polygons in the plane, re-arranged into another shape.Īlbrecht Durer talked about nets in the book he wrote in 1525, named “A Course in the Art of Measurement with Compass and Ruler.” The arrangement of edges decides the shapes of the nets. Qualitative results on Single Image 3D reconstruction on SMAL Dataset using DISN as the 3D reconstruction method and 3DStyleNet as a 3D Data Augmentation Strategy. Ours produces the most plausible and smooth shapes. No augmentation produces worst results than the remaining augmentation strategies. While none of the results are perfect, some are clearly worse than others. Qualitative results on Single Image 3D reconstruction using DISN as the 3D reconstruction method and various 3D Data Augmentation strategies. Quantitative results on Single Image 3D reconstruction using DISN as the 3D reconstruction method and 3DStyleNet compared with baselines as a 3D data augmentation strategy. The interpolation is fast and can be done in real-time.ģDStyleNet can be used as a 3D Data Augmentation tool for downstream computer vision tasks. Our method supports linear shape interpolation between the source shape and the stylized output:įor geometry, we linearly interpolate the vertex displacements produced by the part-ware affine transformation.įor the texture, we linearly interpolate the vgg features and decode them to get the interpolated texture images. While the baseline simply enlarges the dog's head, our method jointly stylizes both geometry and texture to achieve the cartoon look of the target object. See for example the 5th column of the animal subset. Notice that our method better captures the style in both geometry and texture. a strong baseline that combines NeuralCage + Linear Image Style Transfer. Extensive quantitative analysis shows that 3DStyleNet outperforms alternative data augmentation techniques for the downstream task of single-image 3D reconstruction. In addition, our method can serve as a valuable tool to create 3D data augmentations for computer vision tasks. ![]() We showcase our approach qualitatively on 3D content stylization, and provide user studies to validate the quality of our results. Given a small set of high-quality textured objects, our method can create many novel stylized shapes, resulting in effortless 3D content creation and style-ware data augmentation. Second, we jointly optimize our geometric style network and a pre-trained image style transfer network with losses defined over both the geometry and the rendering of the result. First, the geometric style network is trained on a large set of untextured 3D shapes. Our model, 3DStyleNet, is composed of two sub-networks trained in two stages. In addition, the texture style of the target is transferred to the warped source object with the help of a multi-view differentiable renderer. Given a pair of textured source and target objects, our method predicts a part-aware affine transformation field that naturally warps the source shape to imitate the overall geometric style of the target. We propose a method to create plausible geometric and texture style variations of 3D objects in the quest to democratize 3D content creation. ![]() Your browser does not support the video tag. Our method creates novel geometric and texture variations of 3D objects by transferring the shape and texture style from one 3D object (target) to another (source). We propose 3DStyleNet, a neural stylization method for 3D textured shapes. ![]() Don't be surprised when enemy fighters come gunning for you, just work it so they end up on your tail and let your gunners do their job!ĭue to being an aircraft of this size, it is no surprise that the BV 238 is a very sluggish plane when it comes to making changes in flight. The BV 238 is a big plane with big advantages and big disadvantages, but the bombing potential makes it worth the chance taken to get it over a target. This provides two benefits, one, protection of the bomber to allow it to get to the target and drop its payload and two, enemy fighters come to the escorts, allowing the escorts to typically attack with an energy advantage. With autocannons, on the other hand, the wings will be the weakest link as causing a wing to snap will send the leviathan crashing down to the earth.īV 238s are a big juicy target for many players and as such, it is in the best interest of the flying boat pilot to try to enlist the services of an escort fighter or two. ![]() This aircraft is difficult to bring down with purely machine gun fire as they will need to be concentrated on the pilots or the engines and will typically take several passes to inflict much damage. Approach from the rear of the aircraft is almost impossible to do without being hit by the defensive fire, the best bet is a high-speed diving approach from the front or a high-speed approach from below. The dorsal turret consists of a dual MG 151 20 mm autocannons whereas all other turrets are quad MG 131 machine gun setups. With gunner positions in the nose, dorsal turret, tail and one rear-facing turret mid-wing on each wing, approach towards this aircraft is a very dangerous manoeuvre. Though a slow-moving and even slower manoeuvring whale of a plane, the BV 238 is not to be considered a "sitting duck" just waiting to be picked off. For War Thunder's purposes, the bomb load is what matters, as the 20 x 250 kg bombs (5,000 kg total / 11,025 lbs) is a devastating amount in-game, especially if the BV 238 can get up to a higher altitude away from most fighter/interceptors. Weighing in at 110 tons ( 220,000 lb or 99,790 kg), equal in weight to two B-29A-BN Superfortresses, the massive flying boat could hold an impressive bomb load or transport crew and vehicles (upwards of 300 troops total). The size of the aircraft served a two-fold purpose, to show Germany's technological might and a show of force. ![]() The Blohm & Voss BV 238 was the largest aircraft produced during World War II by an Axis power. It was introduced in Update 1.63 "Desert Hunters". With a battle rating of 3.7 (AB/RB) and 4.0 (SB). The BV 238 is a premium rank II German bomber The to play as an oversized gunship in arcade battles if needed. "This is off the goddamn Far Beyond Driven album which I gotta say, I'm very, very happy everyone bought that album and put all that fuckin' commercial shit in their fuckin' place when that record came out. The entire album is worth taking in from front to back, but below, we've compiled the very best of Anselmo's banter. The vocalist was in great spirits throughout these recordings, shrieking and roaring at peak form when he was singing, and chattering in between songs with the chest-puffing, foul-mouthed, king-of-the-world bluster that spiritually defined Pantera's golden years as metal's take-no-shit titans.įrom shitting on the mainstream suits who foolishly proclaimed metal a dying trend, to profusely thanking his fans with a barrage of F-bombs and encouraging them all to "get high, drop acid and get laid," Anselmo is off the chain throughout these recordings. Pantera sound fucking amazing on this record and the energy of the crowd is palpable, but what really makes Official Live so endlessly entertaining is the eminently quotable banter from frontman Philip Anselmo. 2," "Becoming" and "War Nerve," alongside older cuts like "A New Level," "Domination" and "Fucking Hostile" with an intensity that rivaled the brutalist death-metal groups of the time. Recorded throughout the "Tourkill" trek they embarked on in support of 1996's The Great Southern Trendkill, the career-spanning setlist captured the band at perhaps their heaviest era, ripping through face-smashing songs like "Suicide Note Pt. Released on July 29th, 1997, Pantera's Official Live: 101 Proof remains one of the best live albums in the heavy-music canon for several reasons. Pick up Official Live: 101 Proof and other classic Pantera albums on vinyl over at the Revolver shop. ![]() Calvin Ridley is a massive signing for this team, and if he can get back to his former form, Lawrence will benefit immensely. This offense looked fantastic last year, and the Jaguars brought in even more weapons in the offseason. Regardless, in 2022 Lawrence broke out in week six and averaged 17.4 PPG throughout the rest of the year. Lawrence was one of the most hyped-up prospects coming out of Clemson but had a horrible rookie year, averaging 11.4 PPG. One of the biggest risers at quarterback this past season has been Trevor Lawrence. Due to how talented Herbert is, having him at the five spot is fair for dynasty fantasy football leagues. In addition, Joe Lombardi wasn’t a great offensive coordinator as the team brought in Kellen Moore, who loves to push the pace of play this offseason.Įven though Herbert doesn’t have an elite offense, he was fantastic his first two seasons averaging 22.3 PPG. To be fair to Herbert, he had limited weapons, with Keenan Allen and Mike Williams missing significant time. Justin Herbert is a player who looked outstanding during his first two years in the league but took a step down in 2022. I expect Hurts to dominate the NFL for quite some time. This shows the long-term commitment the team has to Hurts. Recently, Hurts was named the highest-paid player in NFL history after receiving a five-year, $255 million extension. Brown, DeVonta Smith, and Dallas Goedert. Nonetheless, Hurts is a phenomenal player in a good Eagles offense with weapons like A. I’m not as willing to invest in these running quarterbacks as highly in dynasty leagues due to the injury risk they possess. This past year Hurts took a huge step up as a passer, but his running ability is what makes him so good. Hurts has averaged 23 PPG since becoming a starter and put up 25.2 PPG last year. Jalen Hurts had a remarkable 2022 season which has jumped him up in these rankings. Both of these wide receivers are under 25, giving Burrow exceptional upside for the foreseeable future. Additionally, the Bengals wide receiving core is otherworldly and young, with Ja’Marr Chase and Tee Higgins. Every year, Burrow has improved from a fantasy perspective, which is excellent.īurrow has a great offense that is willing to pass the ball a ton, giving him amazing upside for fantasy football purposes. Joe Burrow has been great, averaging 19.6 PPG in his first three seasons in the league. ![]() The number three spot is where there becomes some disagreement in the fantasy world. Nonetheless, Allen is a top cornerstone asset in a Superflex league. Despite standing at 6′ 5″ 238 pounds, Allen takes some scary hits. Allen relies on his rushing ability for a lot of his fantasy success which is a historical red flag. One concern about Allen is his ability to stay healthy for the long term. These two will likely be there for the next few years, which is excellent for Allen. Nevertheless, he didn’t become the star he is today until the additions of Sean McDermott and Stefon Diggs. Since coming into the league, Allen has always had the potential to be great. Allen has been fantastic since his breakout season in 2020, where he averaged 24.7 PPG. Josh Allen is a tremendous player and my number-two-ranked player in dynasty. This long-term value makes him the number-one ranked player in a dynasty Superflex format. There’s so much talent with Mahomes that he can succeed in any situation for a long time. Mahomes is regarded as the best quarterback in the league, which is well deserved. Since then, Mahomes has averaged 23.48 PGG. Mahomes has been phenomenal since taking over as the Kansas City Chiefs quarterback in 2018. Josh Allen is also in the mix however, Mahomes will likely be more productive in the long term. With how valuable the position is in Superflex, there’s no better asset to build your team around than Patrick Mahomes. In a Superflex format, the number one player has to be a quarterback. That said, let’s dive into these Top 12 Superflex Dynasty Fantasy Football Rankings. Plus, you can start two of them every week. Needless to say, quarterbacks have massive long-term value. In dynasty leagues, you can end up having a player like Patrick Mahomes on your roster for the entirety of his NFL career. These rankings are done in a Superflex format which makes quarterbacks extremely valuable. With the NFL offseason coming to a close, it’s time to rank the 12 best players in the dynasty fantasy football landscape. ![]() We understand why they wanted to have the star washer near the bulkhead connector: without the star washer there: The shoulder (bulkhead) on the SMA-female or RP-SMA-female connector (which is just the size of the bulkhead nut) is too small to hold the o-ring under higher bulkhead nut torque. Some customers incorrectly assemble the nut, start washer and o-ring in the wrong order with the wrong order: Incorrect order being to assemble it with bulkhead connector then star washer, then o-ring next to the star washer, the the enclosure wall, with the nut outside of the enclosure wall (nut outside of the enclosure wall is correct). It is in these cases that the connector below is used: For mounting the female connector in the wall of an outdoor enclosure (or otherwise, a case with a thick wall), often the thickness of the enclosure or case wall requires a longer threaded section. 11mm threaded section on the standard version of the connector). The photo below is that same style with the 11mm flange, and also has an elongated threaded section (14.5mm threaded section vs. For unique situations, Data Alliance can customize connectors for large orders. We have both versions for cables with either SMA female or RP-SMA-female (including right-angled versions): Data Alliance provides these special connectors that have an O-ring embedded in the bulkhead (flange) in order to make the seal much more tight and secure against the intrusion of dust, dirt and water. The first photo below shows a version with a wider 11mm bulkhead (aka flange), with an embedded O-ring. What follows applies equally to SMA-female and RP-SMA female connectors that we offer as part of our SMA and RP-SMA antenna cable assemblies. OTHER OPTIONS: O-RING EMBEDDED IN THE BULKHEAD / FLANGE:ĭata Alliance offers SMA-female and RP-SMA-female connectors that have an o-ring embedded in the flange. ![]() The inside diameter is 6mm, to clear the threads on the female connector. It is sealed when unmated: The nut, tightened against the o-ring and bulkhead, is what seals it and this remains in place when the connectors are unmated. To be extra secure to protect against water ingress in the flat part of the D-ring (many RP-SMA and SMA female connectors have a D-flat), you could put an O-ring inside and outside the enclosure wall. The typical installation involves placing the O-ring on the outside of the enclosure port (and this is the IP68 level of protection). Waterproof Rating: Using this O-ring on an SMA or RP-SMA-female connector with a bulkhead nut and washer results in the connector having an IP68 rating: We can do this for bulk orders of cables with these connectors. We also offer (as a special order), RP-SMA-female and SMA-female connectors with a waterproof O-ring embedded in the flange. For outdoor applications (if using bulkhead nut & washer): Nickel-plated brass is the best option to rustproof / waterproof/ weatherproof RP-SMA and SMA antenna connectors. ![]() If you do not need for the Bulkhead Nut & Washer to be rustproof, click here to order the version that is a non-rustproof brass alloy and save $0.03 per set (SKU BHNW).We automatically include the 100% brass version of the Bulkhead Nut & Washer set when you order it with the O-ring. Waterproof Rating: Using this O-ring with the bulkhead nut and washer (100% brass version) on an SMA or RP-SMA-female connector results in the connector having an IP68 rating.The Bulkhead nut & washer are rust-proof 100% brass. ![]() You have the option to include bulkhead nut and washer(s) (one for each silicone O-ring): The bulkhead nut and washer are used to mount an SMA-or RP-SMA female connector on an enclosure, case or Printed Circuit Board (PCB). Waterproof red silicone O-ring for RP-SMA-female and SMA female connector. ![]() ![]() Ninja Nutri: There aren't too many Nutri models left in the Ninja blender portfolio.It features the large built-in tamper pitcher and the blade is a smaller, easier to clean version compared to other full-sized models. Ninja Twisti: Our best overall comes from this line and is currently the only model in this line.Ideal for an individual that knows their way around a blender, how long they want to blend for and what speed would work best for an ingredient, these tend to be cheaper than other lines as well. Ninja Professional Plus: This line of Ninja blenders offers fewer presets and more basic design.These offer an intuitive design for both blender newbies and pros. Ninja Foodi: This is the largest Ninja blender line right now, featuring the signature built-in tamper, smoothie bowl cup and many presets with a speed variable dial in large full-sized models.Neither line is better than the other they just offer different features that may appeal to you more. Ninja blenders are broken down into a few different model lines. We've found that both blades work well, but the larger assembly can be used with hot ingredients like soups and warm purees and chops very well, while the smaller assembly makes a better smoothie. This smaller traditional style blade assembly screws into the blender cup and isn't as sharp to touch. Newer models, personal blenders and the Twisti line of Ninja blenders now feature a more traditional blender bade assembly. ✔️ Blade style: Since 2013 and up until now, many Ninja blender models come with removable very sharp blade assemblies which make them easier to clean, but require extra care since the blade assembly does not lock in place and could potentially fall out of the blender jar if it is turned upside down. If you have the space for storage, these accessories can give you even more cooking versatility. Newer models also come with accessories like a smoothie bowl cup for thicker blends or dough hooks for kneading pizza or cookie dough. Most models come with a few personal cups with drinking lids. ✔️ Accessories: Most Ninja blenders tend to come with more accessories than other blenders we've tested. Keep in mind that presets and some functions tend to appear only on more expensive models. Another function to look for is a timer if you want to keep track of how long you need to blend for a recipe some models have this feature, while others don't. If you prefer to push a smoothie button and let the blender do the work then look for a model with presets. ✔️ Functions/presets: Depending on the blender, some Ninja models offer a variety of presets and functions, while others only offer the basics. These are also great for traveling, but keep in mind the blender results aren't always as even as a traditional style blender. Hand blender: For even less storage, a hand blender can fit in a drawer and used to blend ingredients in whichever container of your choosing.Keep in mind you cannot puree a soup in here. Personal: Great for traveling or storing at your desk for a quick smoothie in between meetings, this type of blender is ideal for smaller families or families where everyone wants a different type of smoothie.This type of blender tends to offer more accessories to store though. ![]() Food processor blender combo: While this type of blender may be more expensive than a traditional full-sized blender, it's meant to combine two appliances in one.Full-sized: This type of blender is the most common type, great for full-sized recipes and larger families. ![]() ✔️ Type of blender: Ninja makes a variety of different blender types to fit into your kitchen and your cooking routine. This is the kind of rock-bottom robo-adviser fee that has the investment advisory business a little freaked out right now. It prompted me so many times that I finally agreed to do it weekly, in an amount affordable to me.īy the way, nobody’s accumulating much money based on the “spare change” gimmick I described above, but this automated invested feature is what will make a 20-something a millionaire in the long run, with hardly any suffering along the way.Īcorns charges $1 per month until you get $5,000 with it, after which it charges 0.25 percent per year on your portfolio. The app continuously pestered me to commit to an automatic investing program, either daily, weekly or monthly, and in any amount, from as little as $1 per transfer. This, right here, is the most powerful part of the Acorns app, since automation is the key to moderate-income people getting wealthy. I chose the “Aggressive” portfolio instead, like the middle-aged man who rents the black Camaro convertible because #YOLO. “Are you calling me old?” I whispered angrily into my phone. With no investment choice to make beyond one of five portfolios on a risk spectrum, app users don’t get stuck by the deadly indecision problem, what behavioral economists call “the paradox of choice,” in which we avoid something entirely because we can’t face the problem of choosing between too many options.īased on my age, income and wealth, the app suggested the merely “Moderately Aggressive” portfolio for me. While I personally find markets fascinating, I think the ultra-simplification makes sense for everyone who finds stock and bond markets utterly dull. Can’t you see Daddy’s moving money around with his phone? This is two minutes of sacred daddy time.” (I’m a really good parent.)Īfter about two minutes of entering personal information, the app suggests one of five portfolios on a risk spectrum from “Conservative” to “Aggressive.” Each of these is built from a blend of Exchange Traded Funds (ETFs) to get you exposed to bonds and stocks but without having to know anything about these things. ![]() “No, sweetie, I didn’t really listen to your story about the turtle. I set it up on my phone, in between my kids talking to me about their day. I never spoke to a live human, which is great. The app took about five minutes to get started and an additional three minutes that first day for entering a bit of personal data and linking bank accounts. Acorns tracks these spare change amounts from all accounts you choose to link - such as a debt, credit or checking account - and automatically transfers it into an investment account. The app’s opening pitch is that it will invest your “spare change.” It uses a technique Bank of America pioneered about 10 years ago, which was to “round up” little transactional odd-lots - the equivalent of pocket change you’d throw into a coin jar at the end of the day - and invest it for you. The app invites you to begin with an initial $5 bank transfer. The crazy thing about Acorns is that it has addressed all six of the problems I listed above. Having said that, I’m almost annoyed with myself to say this is an awesome product and every investment beginner should be using it. ![]() Now, I really hate to endorse a specific product or company when I write about finance topics because part of my whole “ex-banker in recovery” identity is to form opinions without the reality - or even appearance - of “selling a product.” No experience avoiding high-cost service providers.Įach of these problems afflicts 20-somethings even more than the rest of us.Īnd yet, as any 50-year-old who wakes up from a few decades working and paying down debts learns (when they finally have an appointment with an investment adviser) even small amounts of money socked away decades ago would have made the problem of retirement and wealth-building so much easier.īut how does anyone even begin? As I have mentioned before, beginning is perhaps the hardest part of investing. No plan for ongoing automation of investments No confidence navigating investment choices ![]() No interest in following stock and bond markets |
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