geraldvdp

Most productivity tools show you what’s new. What you actually need is what needs doing. But those actions are buried across email, Slack, WhatsApp, LinkedIn. That’s the problem we’re exploring with DoBox. geraldvdp.com/p/inbox-zero-i…

The biggest lie in productivity: Messages are just messages. They’re not. There are things you need to do. buried in Email, Slack, WhatsApp Discord+ We spend our days copying between apps. Modern productivity isn’t doing work. It’s moving work around. geraldvdp.com/p/inbox-zero-i…

The old startup gospel was “build it, and they will come.”That was always wrong. But now? In the age of AI? It might be startup-failing advice. So make them come first and then build... geraldvdp.com/p/make-them-co…

Is Revolut's "free crypto trading" entirely free. Subscription fees, exchange limits, and transaction fees still apply. Know the terms before diving in! #Crypto #Trading #Revolut #HiddenFees #CryptoTrading #FinanceTips. I askedChatgpt to analyse the terms and check for the catch! Revolut's marketing for free crypto trading has some hidden aspects in their terms and conditions that potential users should be aware of. Here's a detailed analysis based on their terms and conditions document: Subscription Fees:Revolut Metal plan costs £14.99 per month or £140 per year​​. This means that although trading might be advertised as "free," users are actually paying for it through their subscription fees. Exchange Limits:Different plans have different exchange limits. For example, the Standard plan has an exchange limit of £1,000 per month, and any amount exceeding this incurs a 1% fair usage fee. The Plus plan has a £3,000 limit with a 0.5% fee for excess usage. Premium, Metal, and Ultra plans do not have exchange limits​​. This indicates that "free trading" is limited to certain thresholds, beyond which fees apply. Crypto Exchange Fees:Even within the free trading marketing, there are still fees applied. For instance, Premium and Metal users are charged a 0.99% fee on the value of their cryptocurrency transactions, unless they reside in a country with tiered fees​​. This means users will still incur fees on their trades despite the "free trading" claim. Specific Exclusions:The fee does not apply to exchanges between fiat currency and USDC or USDT, or to exchanges made using the "spare change round-up" feature​​. This suggests that only specific types of transactions are actually fee-free. Potential for Variable Fees:The exchange rates used for crypto are set by Revolut and are variable, constantly changing based on market conditions​​. This can impact the total cost of transactions unpredictably. Card and ATM Fees:Additional fees apply for ATM withdrawals beyond a limit (£800 per month for free, then a 2% fee) and for card transfers to non-Revolut cards​​. While not directly related to crypto trading, these fees add to the overall cost of using the service. Plan-Specific Benefits:Higher-tier plans (Premium, Metal, Ultra) offer no exchange limits and no fair usage fees for crypto exchanges, which is not the case for lower-tier plans​​. Thus, the "free trading" benefits are more accessible to users on higher, more expensive plans. In summary, while Revolut markets "free crypto trading," this is nuanced and limited by various fees and conditions. Users still incur costs through subscription fees, specific transaction fees, and variable exchange rates. The "free" aspect primarily applies within certain usage limits and specific transaction types, and is more advantageous for users on higher-tier plans.