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This could be the first real crack in the Visa/Mastercard duopoly. If Amazon and Walmart successfully move even a small % of transactions to stablecoins, the ripple effects could be massive not just for fees, but for how we think about payments altogether. That said, I doubt this kills cards overnight. Trust, UX, and regulation still heavily favor the incumbents… for now. But if the biggest retailers are signaling they’re tired of the fees, how long until others follow?
Some scenarios I see unfolding. For example, If Walmart or Amazon give you 3% off for using their stablecoin (instead of Visa), people will start paying attention. Projects like Solana Pay, Stripe Crypto, Circle, Coinbase are improving wallet UX. Companies will layer credit-like features, rewards, and insurance on top of stablecoins via fintech partnerships or even smart contract systems. Abstraction is coming, users won’t know or care if it’s a blockchain under the hood. If Amazon Coin (on Solana) is issued under US regulatory frameworks, with FDIC-insured on/off ramps, people will trust it. Think of it like Apple Pay or PayPal, people only care if it works, is fast, and feels safe. So will v and ma disappear? No. But their hegemony weakens. same slow erosion that happened to cable TV, landlines.
Meta is know to insane salaries to poach people. I legit know someone who didn’t know jackshit about VR and she just ran like a UI/UX consultancy They asked her to shutdown her company and join them for high 6 figures a year. Of course she joined and did absolutely nothing through the year and for many years before they fired everyone from reality labs lol
Motivation won't be hard to generate. If Amazon saves billions in card charges by moving to a stablecoin, they can offer a few hundred million in sign-up incentives to incentivise a shift by consumers. Also, I figure it will work by getting consumers to buy stablecoins in bulk to spend on the site so it's unlikely that the UI/UX will be a hurdle.
When I said the UX sucked on this sub. I got blasted with "the investor should understand their trades" blah blah blah. Totally bizarre The UX sucks
While OP’s post might be a bit dramatic, the chorus of comments praising Apple’s resilience, Apple Silicon, the ecosystem, and how even their grandma uses an iPhone, feels incredibly naive. Companies don’t survive by resting on past success. If Apple doesn’t adapt to AI in a meaningful way, they will fall behind. You can insist Apple is “different,” but the reality is simple: AI is becoming a driver of a good UX. You don’t have to be an expert prompt writer to benefit from it and ironically, least tech savvy folks will benefit from AI the most because they don’t have time and patience to tinker with settings just to freakin properly group their notifications and settings based on the context. Over time, phones without intelligent AI integration will feel as outdated as pre-smartphone Nokias. When people say “I don’t need AI on my iPhone,” it sounds a lot like “I don’t need a touchscreen” or “who would type on virtual keyboards anyway”back when phones had physical buttons and we typed via T9. History tends not to be kind to that kind of thinking. Apple isn’t invincible. They’ve made plenty of mistakes before - and lately, the pace of those missteps seems to be increasing, which is worrying.
"Apple is not a AI powerhous" Lmao ofcourse it's not. When has apple been a powerhouse in anything. (On the last 20 years) Only thing they are good at is making marketable UX.. Only thing is their M chips which were impresive at first untill others caught up and untill ypu realized they still don't have a use case for their laptops that others don't while others have manny use cases that Apple's don't. I never got the hype behind Apple why onvest in them ever. Biggest company that is all narketing amd UX no way they go big in AI development maybe integration ig..
There are $1-200k UX designer jobs for Apple on indeed and those motherfuckers just spent god knows how many meetings and executive presentations to debut an updated design language that literally just added some edge lighting to the same app icons 😂 LET ME IN THE DOOR I want a fucking corvette bro
I’m just gonna hang out in SF club bathrooms with hella molly until someone gives me a tech job like bro I need some of that AI money but I suck dick at math like lemme get a kush UX designer job where I tell programmers to make “next” buttons with a softly lit fuchsia gradient for $150k/year 😭
lol. You act like the aapl ecosystem is an in reachable moat. Wait till Jonny Ives shows concepts for new OpenAI phones, glasses and EarPods. The UX? He was instrumental in spearheading iOS7 after Steve died. But wut bout ma music and photos?!? You think they are not smart enough to have an easy port process. Keep clinging to your Apple devices or death delusion
I really don’t understand all the negativity around seeking alpha. Of course, it’s costly (like most any other analysis service, but then it’s 9/10 one single analysts substack or whatevs) And of course, the suckerpunching for 4,99$ / month is absolute shite and they should stop it. I actually like it, the mobile app has one of the best UX i’ve seen in ages, even though there’s oceans of data the platform exposes. I especially like the Key Data section that is actually only shown on mobile (also the downside) because it allows me to immediately see most if not all of the key data of any stock.
They are VERY lean from the random statistics I read online about them, (there are literally <50 employees), and they're essentially a video/photo hosting website. Reddit could also disrupt like every subscription newsletter site out there- Substack, Blueshift, etc. if they REALLY wanted to. It's kind of surprising they haven't done anything like that and the most interesting thing they've done in a while are Reddit DMs (lol) and minimal work on the Reddit app which I still think is a terrible UX compared to AlienBlue.
I have traded on Schwab, Fidelity, and Merrill Edge. Merrill is by far the worst in terms of UX. As an example, let's say you want to buy $1000 of a fund. With Schwab or Fidelity you enter $1000 and you get $1000 of that fund. With Merrill if that fund goes up a little between the order and the purchase, you'll get a nastygram going "You owe us $22". I'm like no I don't, this is a mutual fund not a stock I put a limit order on, you should have bought the exact amount I ordered.
The UX of their platform is also pretty terrible
I’ve got ML but not thru BOA. I would say that it’s been tempting to jump ship for one of the big 3 recently. Fidelity I think has the best UI/UX for research. In the end, I stay with ML bc it has paid off so far. ML is actually much more retail than they were before when they were targeting high wealth only.
Personally, I don't think so. It's at 62B market cap. Brokerage like Schwab (great customer service) is at 160B. I just think the legacy brokerage houses cannot keep up. .... There are risks. RH needs to stay out of sports gambling crapola; makes them look predatory. Other than that, their financials tools and UX are just far better than the other guys. So why in the hell would you use the other guys?
Why is Edge a bad browser compared to Chrome? It's just a reskinned Chrome with a couple of Microsoft UX changes.
Schwab mainly, Robinhood secondary. TD Ameritrade was the best, but Schwab unfortunately swallowed them, so I was forced over. Robinhood is where I started out, and I believe it's good for noobs due to the intuitive, well-designed UI. It's also good if you want to feed or develop a gambling addiction with options trading. Joking, of course, (kind of) but it does have very low fees for options contracts and practically zero barriers to entry, as far as I can tell. I applied my Schwab account for whatever level it is where you can buy puts and calls and got denied. I'm only allowed to sell covered puts and calls. But Robinhood? Yeah, np, anyone gets approved! YOLO! Etrade doesn't allow you to place GTC limit orders that execute during extended hours, which is absurd and stupid and was a deal-breaker for me. IBKR has astonishingly awful UX for certain parts of the brokerage while being advanced and feature-rich in other ways. The bad parts were so awful that I left immediately. To Schwab's credit, over time they've adopted a lot of the features that they were missing and which I loved about TDA. It's all fairly obvious stuff, though.
Duolingo has gotten worse and worse in terms of UX. The constant barrage of ads doesn’t make me want to pay them. It makes me not want to use the app. In fact I was more inclined to subscribe when there were less ads a few years ago or whenever. Now it feels predatory .
Your biggest mistake is using RBC direct trading. Utter trash broker UX
I’m a UX designer by trade, and can concur that I’m all day in Figma. They are starting to eat into Adobes and canva market. And they have a really strong moat around the UXUI. It all depends on the valuation they come out with. And if they can expand into adjacent markets. I don’t think they have iPOed yet, but it’s around the corner. Another one to is Databricks, but they have kept pushing their IPO for years now. It is used by most data engineers, an is crucial in the AI ecosystem.
Hard to change… as in multi-millions for what, the same thing with maybe better UX according to some users who are just as unproductive and whingy as ever regardless?
Ah man, I totally feel the pain of trading under tight regs. Been hopping around a few venues myself, so here’s what’s worked for me: **SignalPlus as the cockpit** I park everything on SignalPlus and just plug whatever exchange I need into it. It’s free, looks like a mini-Bloomberg, and you still clear on the exchange itself—so you keep the same fees/liquidity but get a way nicer UI, live vol-surface, greeks, the whole nerdy toolkit. CEX routes (small-size-friendly) Deribit – easiest if you’re in Europe, lets you punt one-lot BTC/ETH calls for well under 20 bucks. Bybit – similar sizing, just double-check your particular country (France and a few others are geo-blocked). Coincall – fun one if you’re into alt-coin volatility. Tons of smaller-cap options (SOL, DOGE, etc.) that trade for coffee-money premiums. Liquidity’s thinner than Deribit, but for sizing under $20 it’s fine. On-chain options (no KYC, thinner books) Aevo or Lyra on Optimism – solid UX, but spreads can get wide. [SOFA.org](http://SOFA.org) – newer, but everything settles on-chain; worth a poke if you’re allergic to CEX custody. TL;DR – Fire up SignalPlus → hook up Deribit (or Coincall if you’re chasing alt volatility) → start with a one-lot OTM call/put and mess around. If you want 100 % on-chain, Aevo/Lyra/SOFA are the next stops, just be ready for lighter depth.
I've played around with some of the PLTR product's- they have Apple level UI and actually care about the UX of the products they make, which has to be lightyears ahead of the windows 98 crap they were doing before lol
Remember when RH used to play little confetti animation when you made a trade? Then all the documentaries and journalists said it was dark UX making you gamble and they took it away. Yet, all you degens still gamble
But wouldn't the same catalyst bring down BULL? Like why would HOOD drop and BULL print? Unless HOOD makes some kind of mistake or whatever. The same can happen with BULL and also the China affiliation is very iffy given the pissing contest between the U.S. Also why did WeBull go public with a SPAC merger? That signals less confidence in their strength as a company standalone IMO. They sell the same things, HOOD seems to be more popular. I've used WeBull, it's alright but HOOD has better promotions and I like their UX slightly more for what I want to do.
Based on some searching, their UI doesn't indicate the account type. They just call it "self-directed retirement", I supposed that's to clarify it from "advisor" and "investing" accounts. Kinda stupid UX decision. Either your account statement would indicate the type, or you can try to initiate a contribution and it will properly label it as an IRA. I would recommend you go with a better broker, not a bank that offers brokerage service. Schwab, Fidelity, Vanguard are the top favorites. I personally use Schwab. You don't need to close your existing account. If you don't make any contributions, it doesn't do anything, like it doesn't exist.
Fair enough, i do agree that there’s pros/cons atm, they’re objectively competitive right now. The UI and UX is better in the Tesla Model Y i’ve driven, but not that much different for the price. The BYD build quality actually feels much better overall in the car’s i’ve driven. With the rapid iteration and advancement in recent BYD models recently Tesla will need to work hard to keep up, the difference between them on most metrics is marginal, but the price difference is so significant i give it to BYD. I appreciate you sharing your experience and opinions
fucking sucks so much dirty ass dude, half of it is AI articles which yo isn't the wtf part - can you imagine sitting waiting for your oil to get changed, hopping on linkedin and going 'yeah sounds interesting, I'm going to read this article about how design systems influence more than just UX'. Fucking psychotic
100%. German's idea of UX is to make it as utterly complicated as possible. It's like a game to make the user pull their hair out.
Oh man, I wouldn't trust anything German for UX/UI. Probably some of the worst UX/UI designers in the world
I've owned 2 Teslas and more recently a VW Buzz. Electric platform and performance wise yes they've caught up a lot. But my heart aches for Tesla's UX/UI. I've never been that invested in the debate of "buttons vs touchscreens" in the past—i empathize with both. I love manual transmission, I also thought Full Self Driving was incredible. I'm fine with non traditional controls insofar as they are thoughtfully designed. VWs UI is fucking embarrassing. I cant even believe how poorly conceived it is. Now I think, "no wonder people get so passionate about hating touchscreens if this is the bullshit they've been forced to put up with."
My major problem with all things Google - awful UI/UX, like everything was designed by engineers. Their apps look like MVPs they never bothered to polish.
Yep, I use AI mode all the time. One thing I have to admit is Google's UX kind of sucks for the most part...
Competition from AI, but Google is the leader in AI... After getting caught with their pants down they doubled down on AI and now it seems like they always have the top model. And of course also other things like Waymo or quantum computing. Also realize they have their own hardware and don't have to pay the "Nvidia tax" (TPUs) and the possibilities are limitless. Of course it's not a given, I'm not a huge fan of the CEO and it seems to me that their AI offerings have worse UX than the competition. But with the current P/E it's a huge steal. I bought more on the weakness. Under $150 it was a great opportunity to add more.
Yup, that too. Not even just the elderly as well, special needs individuals as well they may not be able to install and navigate their app (because let's be honest, the UI/UX of these fast food apps vary WILDLY)
Read my comment again. Experience = UX, features, design, etc
Right. Why in the ever loving fuck is length of account not a major factor in the UX of reddit. I don't want to interact with accounts less than a week old. People that make multiple accounts and are deleting them are weird. That's unnecessary behavior. This isn't 4Chan.
I manage a team of 14 for a MAG7 (project is AI related) and not a single person in the team is white American. In fact, all but ONE (US citizen, 2nd generation Chinese) are immigrants (Green card, OPT, or other VISAs). The extended team (\~60 people) has 2 white Americans and they do UX work.
Their app doesn't even work the UX design on fb is done by a \*\*\*\*\*\*\*\* redditor try updating your listing on the marketplace on the app and come back to me. Overpriced VR and a business plan to just throw money at NVIDIA
> How will Apple know whether you're opening a payment portal for the app or for an online shopping portal? An online shopping portal like the Amazon, Target, or Walmart apps don't use the built-in browser functionality to open a new browser window, the app is the window. They're just pulling content and displaying it through their app as a viewer. Most of these external payment portals just open a separate webpage using Safari within the app since it's easier to do than to build an entire app around the payment portal. There will be a lot of meetings between legal, UI/UX, the development team, to figure out what they can do to reduce the feasibility of external payment portals.
Makes sure to continue Microsucks crappy UX legacy
Same thing has just happened to me, but the most irritating part is I just didn't think the transfer goes thru because it doesn't show up anywhere on my account page. I'm using the web version (I hate mobile apps) and it appears that you cannot view any of your funding history or pending transactions on the web view. So it looked to me like the deposit never processed. I went wtih another company because the UX on the web version of this is absolutely atrocious. And you're right, they don't tell you any of this upfront. I selected the deposit option that was supposed to be almost instantaneous. It's about 5 days since then and it's only just now showing up as a pending transaction with my bank, but I can't see the funds or the deposit request ANYWHERE on my account page on the website version. Guessing it's designed only to be used as a mobile app perhaps. TERRIBLE, would not recommend.
META is trying everything possible to incorporate their garbage AI instead of just fixing the UI/UX on their dog shit apps.
I was so hopeful for the Lexus RZ when it came out. Now, I wont touch a Toyota EV before something much better comes out at a lower price point; for me, I think that will be the Rivian R2. Lexus is supposed to upgrade the RZ soon-ish so the abysmal 225 mile range is more like 275. Too little too late for me. Not only that, but I’m not a huge fan of the RZ looks; it’s more of a bigger UX than a EV RX imo.
We're in a trade war with the world, with no clear insight as to whether or not "trade deals are in the making". The most optimistic dialogue one is going to get is the "on the one had this, on the other hand that". Add to that the fact that CNBC is being spun off and they're now offering CNBC+ on a subscription basis. Cramer was touting it as what an active trader needed to keep up with all the news as it happens. As far as I can see, t gives a UX that contains a fraction of the information that Bloomberg has. I've been involved in spin-offs in manufacturing. For the most part it's the parent company telling the spun company to go and carry their own weight.
They also seem to have no UI/UX developers. Every app is non-intuitive.
This is good advice… if you want to move to a trash, unintuitive UX just to brag you took the “training wheels off.” Robinhood is fine… and much easier to use. The main advantage of Fidelity is access to extra funds I guess.
God I hate whatever trading platform you’re using. Can’t read it, have no clue how much you bought these for, when, whether you sold them already or not. I got nothing, UX/UI is terrible here.
It of course depends on which brokers you use, as no app connects to ALL of them. But I really like this Exirio's analytics and UX
Google and meta have been going backwards with quality and UX for years now. They have no competition so their attitude is the same as Joe Peschi's character from Good Fellas, "fuck you, pay me".
AI is a game changer. It can design on the fly now and push changes to x number of users. Learn iterate. UX folks should be feeling the punch soon.
First, great write up. >Is this the new normal? IMHO, yes. For better or worse. >It’s like Robinhood and others studied a Las Vegas UX handbook. You've hit on why. Trading has sped up with ease of access and the speed of information. Platforms like Robinhood are there for one reason, and one reason only: separating you from your money. Trading just happens to be the vertical they operate in. By gamifying trading, they earn more, and therefore are incentivised to make it more game-like. >Am I being overly dramatic? Definitely not.
https://m.media-amazon.com/images/M/MV5BMzQ0OGQ5YjctZGE5Ny00Y2Q0LWE5MmQtNmNhYTY5NzUwMTQ2XkEyXkFqcGc@._V1_QL75_UX385_.jpg) Big pangolin guy here folks
It's not necessarily the walled garden but the advantages of being in the walled garden that you forget you are in a walled garden because you don't feel like you need anything beyond it. Apple dictates a lot of things to achieve a perfect UX that a lot of people prefer but a lot of people also feel limited by these enforcements.
> If you let Engineers and UX teams lead on products you get complete PoS like Apples Headset, Dysons Headphones with an air filter and Metas Glasses no one wants. Source on engineers/UX leading on these products? They are the typical crap I see out of PMs.
If you let Engineers and UX teams lead on products you get complete PoS like Apples Headset, Dysons Headphones with an air filter and Metas Glasses no one wants. All recent examples of this.where products to the brief were designed and over engineered to be very high quality Vs the brief but no-one stopped to ask if anyone actually wanted that thing and who would you sell it too. Its double edged, you need both and both to be good. Google at that point had great teams and he gutted them because he had no social skills and actually was far beyond his management ability by this point but too much of an arrogant cock to admit it.
Couldn't or lacked the business case to invest in the development process? This is not an issue isolated to China. Any global company big or small, will either build their IP in-house, or acquire existing companies through M&A strategies. This is more prominent in some industries more than others but that is the norm. It's like building a tax filing software from scratch within your firm or ~30 employees versus just buying software that already exists in the market for B2B requirements. Also, what do you mean by "they couldn't develop basic software but needed a similar product to ours"? They don't have the necessary human resources of product managers, project managers, UI/UX designers, or software engineers to do the actual work? Suddenly, from the stance that Chinese companies can copy anything from others, and now to their inability to copy or create existing technologies? I'm just curious if they really lacked the business case to invest into creating their own version or they simply somehow lacked the skill sets to create their own. I used to work in biotech and have worked with both USA domestic and outsourced talent in India and China, and a lack of skillsets was not the case, at least from my experience. I don't see the business case in creating a budget for a million dollars to hire staff and invest in the lifecycle of the software development, when it would cost a portion of the budget to just pay a SaaS or subscription model for an existing software or services that is good enough for my business needs.
I work for a 4B$ company in the US that makes software for... software developers. We've had people quitting with long see-ya emails criticizing middle management. It's not that they are useless, a cabbage is useless and it would do the job better than them, aka just letting engineers and UX teams make great products.
I will need to learn another UX... stop buying it
Apple rarely innovated much of anything, really. They perfected what other pepole already did, in almost all cases. The GUI was 'inspired' by Xerox. the Ipod was not the first digitial music player. It was just the first one that didnt suck. The iPhone was not the first touch-screen smart phone. It was just the first one that didnt kinda suck. The iPad was not the first touch-screen tablet-like device. It was just the first one that worked the way it always should have and therefore, didn't suck. etc. "Innovation" has never really been Apple's thing. Doing it RIGHT has (usually) been Apple's thing. Though lately i think their UX designers need to be beaten, repeatedly.
Robinhood’s UX is great at getting you to gamble on stocks. It’s a very slick design that makes it very easy to give in to your impulses. Id go with Fidelity.
As opposed to being a public company where board members demand a push for revenue at the cost of the UX because they need to get gains instead of caring about the health of the ecosystem. I've worked in too many public companies to not hate private companies
There is a massive reason to prefer Windows over any Linux distro: ease of use. I personally use Debian and Linux Mint on one of my two laptops and while it has a lot of benefits for my use case, it's a solid 10 years behind Windows in UX. Absolute nightmare for the average, non-IT professional/hobbyist to transfer to. And let's not pretend like the MS Office alternatives can even be seriously considered an option. Excel alone is irreplaceable and a pillar of entire industries. The supposed alternatives don't have half the features it has and those who claim they do, simply don't actually know Excel well.
Using Perplexity means you’re using google (It’s a UX that googles your query in the backend. then puts results into ChatGPT to display)
\> This isn’t some random play—it’s a blue-chip powerhouse with revenue climbing, a platform that’s magnetizing traders, I trade on IBKR and although I really like some of it I'd say the platform... Is really bad? It's a crappy UI. It's dog slow. The old (Java) desktop app ain't good. The new one ain't either. The web app is horrible. They're huge. There are many features. But it's the only app that can make a modern computer feel sluggish. I guess you're right though: it's still "magnetizing me". But what an horrible UI/UX.
Yeah I don't trade options on TOS so I don't know how they do it there. P/L YTD for a contract should include any trades you've had in that contract. For equities this is useful for seeing if you're doing well on a particular ticker. It's maybe less useful for option contracts. If you're rolling then you are entering new contracts, so it makes sense this would be different. You're also arguably entering a new strategy so even if they had a good system for displaying strategies as a group it's not clear what the right thing to do is from a UX point of view. It's not uncommon to start with a strategy and then close or open a leg etc. the systems want to strike a balance between making it clear which contracts are part of a strategy and making the strategies too complicated. Tracking strategies across rolling is perhaps veering into the too complicated territory
I told him numerous times it's not fucking with the UX because their engineers are bored. Interface changes wreak havoc on experienced users. First chance I get to drop Acrobat, InDesign or Premier, I'm fucking gone. Until then I guess I just keep paying $650 a year.
I've been more worried about their predatory pricing practices. Many smaller businesses HATE Adobe's contracts, inflation plus pricing, etc. From a larger company perspective (think 500+ employees), Adobe is a necessary cost of doing business, and working in finance supporting tech departments, I don't really bat an eye at Acrobat, Creative Cloud, InDesign, etc. costs as they're necessary for Product and other depts. The reason I'm looking at product sentiment on Adobe is because of Canva and Figma. Figma is a legitimate tool and a wonderful design platform which is essentially the industry standard for UI/UX at this point. I think Adobe has cornered the education pipeline, but that only lasts as long as the businesses hiring from these universities use Adobe Creative Cloud.
Feels like the AI boom has died down a bit, no? I was at a work conference in December and every session was just selling you on some new AI tool which was just ChatGPT wrapped up in some new UX. But that's it.
Politics aside, I think we need another look at Tesla's fundamentals. They are still a leading EV manufacturer, and the brand can arguably stand with its own two feet. I would even argue they have decent software (may have some poor UI/UX) - at least when compared to a lot of other EV manufacturers out there who seem to be shooting themselves in the foot every time they do software. However competition is fierce. Newer companies like BYD and Xiaomi is able to capture large parts of the entry level market where they are allowed to exist, while on the high end market you have things like Lucid, Rivian, and traditional luxury car makers eating into market shares. Hardware wise, i still see a lot of people complain about the build quality of Teslas, their self driving has not seen much improvements, and if not mistaken, the Chinese EVs still have access to superior battery tech. I think for certain [Tesla is not worth more than other car manufacturers combined](https://www.yahoo.com/tech/tesla-worth-more-gm-ford-195100423.html), but it certainly is not heading to annihilation. If they can continue to meet production goals, i can see it settle once it hits a more reasonable price in the long term.
Their customer service is more than good enough for me and most people since it doesn't require customer to buy some ETF's and hold them for years which most folks will need to be doing anyway. I have Fidelity, Vanguard, and Robinhood. If you need help buying an ETF it's probably a shitty UI problem at this point. If you call in to have an agent do that for you they will charge you out the wazoo. It's so dumb easy to buy and hold invest. Haven't had any issues and I've had RH for over 7 years now. It's just too dumb stupid easy to navigate. Easier than fidelity and especially Vanguard's shitty UI/UX out the 90's. When you just buy and hold anyway you don't need some crazy customer service as if you gotta call every day for that the brokerage or you may be the issue at that point in my experience. Instead Robinhood literally pays you to invest something Fidelity does not do. I like getting paid to do so. 10's of thousands of dollars to just invest like I already would and make money off it in compounding fashion. When Fidelity can match that cool, but since they didn't RH got some of my mulah. Plus they have a nice 3% card on all purchases and I've gotten 4.5%-5.5% on my uninvested cash even today. You can choose not to like em, but they're fine and get the job done. I don't give a shit about companies like that. I only care that they're good enough and I go for the best deals as blind loyalty is stupid imo.
I have a hard time believing that anyone who's figured out how to use Reddit would abandon it to go to X of all places. X is the shittiest social media platform I have ever used and I don't even mean the political cesspool. The UX is terrible. The amount of bots and spammers is ridiculous. The amount of shitty ads and blatant scams is overwhelming. And... unsurprisingly, the article says absolutely nothing about X. Fuck you, op for posting this with this title.
They have the best deal going for IRA's. There is no other catch other than what you mentioned. Leave money that you already would have just left sitting sitting and use gold that pays for itself several times over anyway by simply maxing your IRA as you shouod. Basically, they pay you to invest. The only people you'll hear complain are irrational people that have no clue about the backbone behind trades work or someone saying something ridiculous when you won't need much to just invest in an ETF/MF and collect money. They have great UI/UX especially on mobile (they actually beat Fidelity here actually and I have both). The only negative is they market options or more frequent trades, but if you're disciplined it's a non issue.
I know a lot of people who have been successful on RH, they are also in their mid 30s and 40s, so it could be a different demographic than RH is actually targeting. I don't disagree that all you need is numbers and stats, but if they are presented in a better UI/UX, I don't necessarily see that as an issue. Ultimately its a marketing play.
DO NOT PAPER HAND. Thank me in 10 years. RDDT is at the same point in the enshitification cycle where Facebook was 10-15 years ago. As user growth naturally tapers down, they'll throw on more and more ads and influencer content, until it looks like... FB today. Profits will go to the moon. UX will suck but investors won't care. Look, this isn't some technology that may or may not work out. It's a well-worn path in the tech industry. The stock is tanking because it has negative 12 mo earnings at this phase in its cycle, and because the AI bubble is popping in light of China beating all the US stock market darlings. Keep in mind that RDDT is sitting on a gold mine of data: real life users asking advice to solve problems for the past 20 years. Any AI capable of regurgitating a summary of those data will be salable.
I feel like a lot of people would’ve understood what I was saying. But yeah I mean that’s what I’ve been getting at since my original post. I was just trying to offer a counter to the original point made. As for the other stuff, i don’t have enough time to “pick winners” so I buy managed ETFs and indexes anyways. If I buy a single stock it’s something I use every day and understand their product roadmap and practical usage. I’m a product designer so I believe in good UX. Physical goods are harder for me.
\> How about 6-9 months? The market can stay irrational longer than you can stay solvent. I'm guessing it will be years but things sure are accelerating quickly these days. At this rate it might be less than a year from now, but a couple months ago I would have been adamant that this hype train was going to go on for another couple years. \> There will always be a place for GREAT or ROCKSTAR developers doing amazing work It's not just the rockstars, of which I am not. Just to be average and productive you need a wide skill set. It's why so much software sucks and why salaries will remain high. \> even in the absence of AI in this conversation - how's that job market looking for software devs right now? It depends. From word-of-mouth, it seems people who aren't focused on only working at best of FAANG get new jobs pretty quickly. Maybe working at a bank or a trucking company isn't as glamorous as many software companies, but the salaries are still up there and they aren't being run by tech bros sniffing their own farts. Most tech jobs aren't even in tech anymore. If you're in web dev (which is what bootcamps and the like tend to focus on and thus saturated the market with), or non-technical areas like design and UX, it seems a little more dire. But again, that's just word-of-mouth. \> Both predictive and generative AI have a place here. Have you actually used any of these tools, like Devin? I've used generative AI tools, although not Devin in particular. I've also used things like SonarQube, IDEs and their associated plugins, and all sorts of shit. I'm grouping all of these together intentionally. They are tools to be used, not replacements. From punching holes in a card to code autocomplete in IDEs, and now we have some more further refined tools that are more on the generative side. Cool, but I still don't understand why I should fear AI any more than I fear IDEs. If spitting out boilerplate was world-ending for juniors they'd already be dead. Anyways, we aren't even talking about the hallucinations much in this conversation, and that problem cannot be understated and is likely an inevitable part of generative AI. How will this replace humans if you still need a human to check the output of stuff like GitHub's copilot? And how are they supposed to do more complex tasks when they don't understand the abstract structure of your codebase? People gloss over these problems, but that's just to make number go higher. \> Which are all but guaranteed to go down over time. In light of macroeconomic conditions, is it really guaranteed? NVIDIA's stranglehold on high-end GPUs also isn't promising for price reductions, nor are the energy requirements, but honestly I think macroeconomic conditions will do enough work on its own.
Reply (obnoxiously long, sarcastic, and completely over-the-top just to mess with him): Oh wow, you’re still here. Still clicking, still typing, still feeding the beast, even though you claim to hate every second of it. You keep saying my responses are ruining your UX, yet here you are, invested like a man who just bet his life savings on a single crypto pump. So let’s break this down, shall we? First of all, let’s just take a moment to appreciate the irony. You’re out here, throwing a full-on tantrum about how I’m “word vomiting,” and yet—miraculously, unbelievably—you keep responding. What does that say about you? You don’t like my comments, but you NEED them. You crave them. My words are the junk food of your scrolling experience. You know you should look away, but you just. Keep. Eating. And then there’s the AI girlfriend comment—ah yes, the final resting place of every dude who runs out of coherent points in an online argument. Because OBVIOUSLY, if someone disagrees with you, they must be so lonely that they’re whispering sweet nothings to ChatGPT at night. That’s the best you’ve got? You didn’t even try, man. Hell, at least accuse me of being a lizard person, or a government psyop, or something fun. But no, you went with the AI girlfriend angle, like a teenager who just discovered Reddit insults for the first time. But let’s talk about this “shit loop” idea, because that really is the poetic centerpiece of this whole thing. You say there’s no point in responding because my replies are just getting fed into the great machine of algorithmic content processing—and yet, here you are, actively engaging in it, voluntarily, enthusiastically, repeatedly. If this is a shit loop, then buddy, you’re the centrifuge keeping it spinning. You’re here by choice. No one is forcing you to be in this conversation. You are the guy standing in front of the fire screaming “WHY IS IT SO HOT?!” while shoving more logs into it. And let’s be honest—if I were actually ruining your experience, you’d have left ages ago. But no, something about this little exchange has grabbed you by the soul and refuses to let go. I bet you’re refreshing the page right now, waiting for my response, staring at your phone with a mixture of rage and anticipation. Your entire day is now revolving around this thread. And you know what? I respect that. Not many people would dedicate this much energy to a fight they claim to hate. You’re like a boxer who keeps getting punched in the face but refuses to leave the ring because they just love the smell of sweat and regret. Now let’s talk about UX—your poor, violated UX. Oh no, my long replies are destroying your delicate scrolling experience! Your pristine, hand-crafted Reddit feed has been tainted by paragraphs of—gasp!—thoughts and arguments! The horror! You must be suffering so badly, and yet, you keep coming back. You keep engaging. You keep adding fuel to the dumpster fire you pretend to despise. I could post a goddamn novel in here, and you’d still be right back under it, typing furiously, cursing my name, giving me exactly what I want—more engagement. Because at the end of the day, this isn’t about AI, or UX, or social media, or even about me. It’s about you, my guy. Something about this exchange has wormed its way into your head, and now you can’t let it go. You’ve committed. You’re in deep. And no matter how much you complain, no matter how much you call my posts diarrhea, you’re still here. Still typing. Still refreshing. Still trapped in the shit loop that you created. So keep going. Keep replying. Keep proving my point. Because at this point, I’m not even arguing with you anymore—I’m just watching you fight your own shadow.
Why do you word vomit in every reply? 5 paragraphs about how social media companies do data collection. No shit. I use the platform, they use my data, and muppets like you ruin my UX. Your chat bot diarrhea is trained on our conversation so there’s no point making a shit loop out of it. Must be an AI girlfriend in the picture for me to have struck such a nerve with this criticism.
I think it will be like 1999. There is huge promise thee, but we haven't got the experience right. In 1999 I remember everyone being like, No F-ing Way that I'll put my credit card into a website. And gradually that changed and now it's online first for many people, especially people born/coming of age after the Sketch factor dropped I think with AI, we will see the UX get way better, then we'll see *real* use cases, where AI will become a productivity multiplier. In my own business we are looking at how we can use AI to do lead gen, route and customize marketing emails, and I fully expect it to do first line customer support, but not as a shitty chatbot, but send a real quality help email replies if it knows the answer or to route it to human support if uncertain. But, this may take 10 years...
That’s from the contractor’s pov. As a potential customer, I loathe finishing my order and seeing a black and white photo of a single mom with the text “tips help her put money away for her kid’s education” - nasty UX
Digg accelerated their demise with that terrible UX/UI change. Unforced error. It would have died eventually because of the power user crap. That's a problem on Reddit but not nearly to the point it was there.
I'm here a lot and I legit do not think I'd use even 50% of the same amount if I was required to use the new reddit. I have to admire a company that invested a decent amount of UI/UX spend and then has the balls to keep old reddit up (because engagement experimentation says they should)
I was a trading n00b okay. I give credits to Robinhood for teaching buy and sell of stocks and options. I had e-trade and fidelity but never got the chance to see the price moves so closely because their UX wasn’t as good. Now that I know the basics, Fidelity has been doing well for me 
Which planes. Boeing’s fell out of the sky due to poor quality practices, some say DEI hires. To be fair the one that went down in Africa was due to Boeing being cheap and bad at UX. They should have provided the guidance system as part of the base package. The one that flipped over recently was probably due to high crosswinds beyond the operating spec of the plane. The helicopter accident is weird. But it doesn’t look like it was due to FAA issues pertaining to trump laying off people.
No they can be beat in every aspect pretty much. Even if all you wanna do is open an IRA and do index funds they can be blown out the water with a better UI, Better UX, better customer service, cheaper funds, bonuses, account links, etc. I mean sheesh, I'm getting **paid** to invest in my IRA's right. Literally paid 100's to do so. I've gotten paid 10's of thousands of dollars from switching **FROM** Vanguard at that. They don't have any advantages. Name me the advantages of Vanguard? People just say outdated stuff nowadays. There was a time Vanguard were pioneers in the game bringing in some of the lowest costs and commissions and they are a shell of being anything inivative in the industry which is sad. They went from pioneering to just flat out ignoring and resting on laurels. Hell even in the 401k space they fall flat on their face compared to say Fidelity. So,if you respond I'm curious for you to name an advantage. Please don't bother putting "well my company chose them" or I already have an "x" with them as that isn't an advantage. It's just accepting whatever regardless. I'm interested if you have an advantage for em as an overall deal. I don't see it.
Have you tried any other modern brokerage? Vanguard looks like something from 15 years ago. Hell, until mkre recently it was even worse. It took folks forever complaining just for them to finally do at least a slight touch up ffs. It was bad. Other modern brokerages have anything from full view, think or swim, better apps, better UI/UX, better customer service, better deals on bonuses (Vanguard had none and moving momey can get you 10's of thousands with other brokerages on top of being a modern UI/UX), they can be beat on index fund costs, etc. I don't really see much of an advantage with Vanguard in general. It's not hard to find better options.
Technically Fidelity has access to the cheapest funds in the game. You can also the same typical ETF's across the board like VOO at Fidelity for example for no extra cost. You just get a much better UI/UX, better customer service, etc. with Fidelity over Vanguard.
I prefer Fidelity over Vanguard. Have had both including company 401k at both and Fidelity wins especially for 401k's hands down. Fidelity is the only company I know so far that actually let's you choose what stocks you want yourself in your 401k instead of the typical VERY LIMITED options you'd get even with Vanguard there. That said, if you ONLY want 2 out of 5 interface that at least has some the index funds you likely want then Vanguard is fine. I still have a small amount there (though I'm considering closing it out and only didn't completely due to their fee for doing so). If you want the best IRA right now despite what anyone will be able to say Robinhood has the best IRA on the market currently. They pay you to invest in it and it actually has a much more modern and advanced UI/UX. So, honestly it's preference.
Depends what’s important to you. If you like having a working interface & nice UX - Fidelity is the option. Vanguards website & app are terrible. Customer service not great… but they’re really cheap!
Many local communites are itching to leave. Reddit's UX has abandoned all sensibility of the product other than Google SEO.
as someone who has personally searched for reddit alternatives, including on r/redditalternatives, because of discontent with certain things about the site... i dont see it happening any time soon the problem is not replicating the forum based UI/UX of the site, which is fairly basic. the problem is getting a critical mass of users which is vital to a forum based platform to survive and grow at the time of the digg exodus reddit was already an established competitor with a large user base in the tens of millions. currently it appears that the largest competitor to reddit is lemmy, which has like 70K monthly users. on top of that, the lemmy instances are pretty unintuitive for casual users. its target audience is more niche and are those more focused on decentralization and privacy. the large majority of users prefer simplicity and convenience
Tbh you should do most all of this on a full computer. Phone are too small and limited often to display the density of information all at once…and it’s the kinda UX conondrum where if it’s hidden in the UI you as the user need to intuitively know where to find it. But…we don’t always know exactly what we are looking for because most of us aren’t day traders…so it’s an all around bad experience in mobile.
By investing in products that you use and intimately know. That gives you confidence to invest versus listening to others opinions. RH is objectively a good product, amazing UI/UX, literally every screen in all these subs is mostly from RH, easiest barrier to entry. If you relied on Reddit, bullish posts were far and few between, most didn't give a rats ass about RH(even now) despite spending hours on it each day. So if you think a product is genuinely good, invest. It's quite simple.
Does anyone else hate fidelity UI/UX?
Yeah, but this was before MBAs learned how to manage user growth, UI, UX, user engagements, mobile apps, date science, making us doom scroll, etc. Now we got veterans from YouTube, Facebook, Instagram, TikTok, Spotify, and video games that know to craft algorithm to engage users. The world kind of suck when I realize everyone’s time and attention are being manipulated.
This looks more like pencil and paper than Robinhood. The UX has definitely gone downhill.
They're UX is just more convenient. They're dashboarding tools are more ergonomic for what I want to do. They're pushing out updates nearly every other week. They have a pretty transparent roadmap. For everything on the internet there is a vocal minority. Just look at how much hate there is on the Reddit company and all of the people claiming they will stop using it...on Reddit. Then look at Reddit's active user growth and engagement numbers in their quarterly earnings and their stock since IPO. Think about how stupid the average person is, then realize Redditors are even dumber than that. Cognitive dissonance is real. All jokes aside most internet apes have little to no understanding on what happened during GME. They just parrot talking points because they're mad they lost money but don't want any personal accountability. Btw, Robinhood wasn't the only one that ran into issues, just the one most noobs who don't understand risk management were running on. Also they let you sell your position just fine even during GME and take your gains, they just didn't allow more buying because of liquidity issues. The main reason Robinhood gets more mentions and comments on Reddit is because Redditors use it the most 😂 Although in the recent year or so most people seem to have forgotten what happened and I don't see much hate either, mostly apes YOLO ing on the stock which has had a crazy run the past year.