rryyan
Joined 17 years ago
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302
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72
Member since
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Recent submissions
Comment · 8 years ago
M1 Finance | Senior Product & UX Designer | Chicago, IL | Full-Time | Onsite
M1 Finance is reinventing the tools you use to invest, borrow, and spend your money. We’ve built a unique, no-fee investment brokerage that automates trading into your custom portfolio of stocks using fractional shares, and a flexible portfolio line of credit that lets you borrow instantly at a super-low rate — but that’s just the beginning. Learn more about us at https://m1finance.com.
We’re seeking a Senior Product & UX Designer to join us full-time in Chicago, IL and take the lead role in defining the end-to-end design of our iOS, Android, and web applications. Our product already enjoys great reviews and our business is growing quickly, but we have ambitious goals, and this person will be charged with elevating our product design to the next level. We are looking for someone with talent and experience focused on designing concepts, flows, and interfaces that deliver powerful capabilities to users in a simple and intuitive way.
If you’re interested in our mission and want to work on a great product with great people, please apply!
https://jobs.smartrecruiters.com/M1Finance/743999679696773-s...
Comment · 8 years ago
IRAs do have exceptions to the early-withdrawal penalty for just the sort of reasons you note: https://www.irs.gov/retirement-plans/plan-participant-employ...
Comment · 8 years ago
M1 Finance | Lead iOS Engineer | Chicago, IL | Full-Time | ONSITE
M1 Finance is a digital-first investment brokerage that lets you a automate trades into a custom portfolio of stocks using fractional shares and with no fees. Learn more about us at https://m1finance.com.
We’re seeking a senior iOS engineer to join us full-time in Chicago to lead the development and evolution of our iOS app from end-to-end. The app is currently live (https://itunes.apple.com/us/app/id1071915644) and already enjoys great reviews — but we have ambitious plans, and it’s a great time to join us and make a big impact.
More detail here: https://jobs.smartrecruiters.com/M1Finance/743999672703995-l.... If you’re interested in our mission and want to work on a great product with great people, please apply via the link!
Comment · 8 years ago
M1 Finance | Chicago, IL | Lead iOS Engineer | Full-time | Onsite | https://m1finance.com
M1 Finance is an automated investment brokerage that lets you invest in the stocks you want, for free. We're currently managing hundreds of millions of dollars and signing up thousands of new customers each week. But we're not done: we recently launched a new simple, low-cost way to borrow against your portfolio, and have more ambitious plans to take on the entrenched personal finance space.
We're seeking a talented senior iOS engineer to lead the development and evolution of our iOS app from end-to-end. If you're interested in our mission and want to work on a great product with great people, please apply: https://jobs.smartrecruiters.com/M1Finance/743999672703995-l...
Comment · 8 years ago
Taxable (non-IRA) accounts with at least $25k are eligible to borrow against.
Comment · 8 years ago
Hello HN, M1 Finance is introducing our newest feature today: M1 Borrow. M1 already lets you invest in the stocks you want for free, and now we also offer a simple, low-cost way to borrow against your portfolio.
Borrow up to 35% of your account value instantly at 3.75% APR and pay back anytime. Use the funds for any purpose: make a large upfront purchase (car/wedding/remodel/etc.) without selling positions, refinance other debt, or just leverage your portfolio.
I lead the product team at M1, and would love your feedback!
Comment · 9 years ago
Good question, we of course need revenue to serve our customers and grow. The short answer is that brokerages can make money from the assets held in their accounts and from handling customer trades. And compared to legacy brokerages, being digital-first allows M1 to minimize costs and offer our investing service without commission fees.
Our founder and CEO goes into more detail about our sources of revenue in this blog post: https://blog.m1finance.com/m1-is-now-free/. (Look for the section "How We’ll Make Money".)
Comment · 9 years ago
We're adding additional personal finance products to our offering. We'll share specifics in future announcements -- stay tuned!
Comment · 9 years ago
Thanks!
M1 is like Robinhood in that you can own any stock/ETF you choose. The biggest difference is that Robinhood is a traditional brokerage, where you must manually buy and sell individual securities. This is good if you are a trader, but pretty annoying if you are a typical investor. For example, let's say you are investing in a diversivied portfolio of several stocks and ETFs -- whenever you want to invest more money, you must calculate and enter exactly how much of each holding to buy in order to keep your portfolio proportions in balance. (And further, you're limited to buying only full shares.)
M1 automates all of this for you. You set the target proporitions for your portfolio, and whenever you deposit money, we intelligently buy exactly the right amount of each holding to keep you in balance. Our aim is to be a new kind of brokerage -- the easiest and most convenient option for a modern investor.
Comment · 9 years ago
Unfortunately M1 is only available to US citizens or permanent residents at this time.
Comment · 9 years ago
Hello HN! I lead the team at M1 Finance responsible for designing and building our product.
M1 is an automated brokerage that allows you to easily invest in a custom portfolio on our web site or mobile apps. Whenever you deposit or withdraw money, we automatically calculate and execute the trades for you. Your money is invested down to the penny using fractional shares.
For the investor, we think robo-advisors don’t offer enough choice over your portfolio, and other brokerages require too much effort to manage your investments. We created M1 to be the ultimate investing tool. And today, we announced we are eliminating all fees to make the investing experience completely free.
We would love to get your feedback! I’ll be around all day watching this thread, or you can reach me anytime at [email protected].
Comment · 13 years ago
If you can recover the iPhone backup files that iTunes created from the hard drive (such as via an external enclosure like unepipe mentions), you should be able to recover the messages contained within. Messages are stored in a SQLite DB within the backup (this is how jwz's script reads them).
Looks like iTunes on XP stores backups at this path: \Documents and Settings\(username)\Application Data\Apple Computer\MobileSync\Backup\. That's the directory you need to recover from the hard drive.
Comment · 14 years ago
"Even though the A6 was manufactured by Samsung, that doesn't mean it was designed by Samsung. The Apple A6 processor is Apple's first custom-designed processor."
Presumably there is some strain in relations between Apple and Samsung, given that they compete in the mobile device market, and the lawsuit over copying designs.
Would Apple be worried that Samsung would be able to glean trade secrets from their custom design of the A6? Would the information provided to Samsung for manufacture of the chip pose this kind of risk? Or would be less like handing off source code, and more like handing off a compiled binary?
[email protected] https://ryanspradlin.com/
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