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Archivo del Autor: Belen De Leon

Lydia launches mobile phone insurance

French startup Lydia is launching an insurance product for your mobile phone. For €4.29 per month ($4.89), you can insure your phone from the Lydia app.

Lydia is one of the most popular peer-to-peer payment apps in Europe with 1.5 million users. Think about it as a sort of Venmo or Square Cash for Europe. More recently, the company started offering more options to manage your money with a premium subscription and additional features.

While Lydia doesn’t want to replace your bank and insurance company, the company is offering an insurance product for the first time. Lydia is partnering with its investor CNP Assurances — having an insurance company as an investor has a few advantages.

So here’s what you get. You’re instantly covered against cracked screens, liquid damage and accidental damage. There’s no excess but you’re limited to one claim per year. Phones now cost a small fortune, but you’re limited to €500 ($570) per claim.

Optionally, you can subscribe to a better insurance product for €9.99 per month ($11.39). In addition to phone insurance, your laptop, tablet, Nintendo Switch, Kindle, camera and other electronics are covered. You can make two claims per year and you can get back up to €500 for your phone and €1,800 for other devices. More importantly, you’re also covered against theft.

Many phone carriers sell mobile phone insurance. But they usually cost more than that. In most cases, you also need to subscribe for at least one year. In Lydia’s case, you can cancel your subscription whenever you want in the app.

If that product sounds familiar, it’s because Revolut offers a similar feature with some drawbacks. You can subscribe to mobile phone insurance from Revolut’s mobile app.

Pricing isn’t as straightforward with Revolut as Premium subscribers get a discount. For an iPhone X, the insurance product costs as much as €9.58 per month ($10.92) without a Revolut Premium account, or as little as €6.67 per month ($7.60) if you pay upfront and you have a Revolut Premium account.

It’s a 12-month contract with a €125 excess and no theft protection. You also need to start insuring your phone quickly after buying (within six months) otherwise you aren’t covered. Revolut works with Allianz and Simplesurance for this insurance product.

Lydia may have borrowed the idea from Revolut, but I’m not sure why you’d choose Revolut’s insurance product over Lydia’s product.

It’s interesting to see that fintech companies are creating alternative revenue streams with insurance products. Subscribing to an insurance product is quick and painless as they already manage your money and have your card on file.


Source: TechCrunch

Apple MacBook Air (2018) review: The MacBook Air plays catch-up – CNET

This reimagined MacBook Air fixes almost all previous design issues, but not without adding a couple of its own.
Source: CNET

Waymo blames test driver for self-driving car hitting motorcyclist – Roadshow

The Google sister company says its technology could have prevented the accident.
Source: CNET

The Blockchain wallet plans a £125M air-drop of Stellar crypto to drive mainstream adoption

Blockchain, one of the world’s biggest crypto wallets, plans to give away a vast amout of cryptocurrency in a bold move to scale the adoption of crypto to a more mainstream audience.
Blockchain and the Stellar Development Foundation (stellar.org) will distribute $125m worth of Stellar lumens [XLM] to Blockchain’s users. Blockchain is claiming this is the largest airdrop in the history of crypto, and potentially the largest consumer giveaway ever, and to most outside observers, it looks that way.
Critics of the move will, however, may lay the charge that’s it’s a cynical move akin to cheap marketing techniques. Whatever the case, most people would probably say they’d have quite liked someone to ‘give them a bitcoin’ a few years ago… It remains to be seen, however, what effect it will actually have in the ground in regards to crypto adoption.
Accessible to anyone with a Blockchain Wallet, Blockchain says that the first batch of recipients will receive their lumens, Stellar’s native digital currency this week – for free. The Stellar network has gained a reputation for scalability, with its lumen token enabling competitively quick, low-cost worldwide transactions. It has it’s critics however, and not every crypto fan out there will be impressed.
In a statement Peter Smith, CEO at Blockchain, said: “At Blockchain, we’re committed to putting our users first. Providing exclusive access to the next generation of cryptoassets allows new and existing users alike to test, try, trade, and transact with new, trusted cryptoassets in a safe and easy way. We’re empowering our users with private keys, which allow them to go beyond just storing their crypto to actually using them. In turn, we can help build a bigger and more engaged crypto community, and drive network effects that make the ecosystem more useful and valuable for the many rather than the few.”
Stellar is Blockchain’s first airdrop partner following the launch of the company’s Airdrops Guiding Principles framework in October 2018.
Jed McCaleb, co-founder of Stellar Development Foundation, said, “We believe that airdrops are central to creating a more inclusive digital economy. Giving away lumens [XLM] for free is an invitation to communities to design the services they need. Our hope is to eventually have global citizens own and use lumens, in both developing and developed economies. By working with Blockchain to increase the availability and active use of lumens on the network, leveraging their almost 30m wallets, we will increase the network’s utility by many orders of magnitude.”
As part of the airdrop, Blockchain is also partnering with a number of organizations to further the adoption of lumens, including charity: water, Stanford d.school, code.org, Network for Good, and IBM, who share the company’s vision for using this transformational technology to build a better future. Blockchain plans on revealing specific details of each initiative in the coming weeks.
Carissa Carter, Director of Teaching and Learning at Stanford d.school, said, “The strength of any network is derived from innovation. We are excited to join Blockchain on this airdrop to empower some of the most brilliant and creative minds to start experimenting and building on Stellar’s network.”


Source: TechCrunch

Black Friday 2018 streamer deals: Roku, Chromecast and Fire TV, starting at $25 – CNET

It’s never been cheaper to get Netflix, Hulu, YouTube, ESPN, DirecTV Now and more to your TV. Here are the best discounts on our favorite streamers.
Source: CNET

Sinemia adds a weekday-only movie plan

As we head into the holiday movie-going season, the theater ticket subscription wars (or what’s left of them) are set to heat up once again. Sinemia, which has recently emerged as the top contender to the eternally flailing MoviePass, is adding a new tier that focuses entirely on weekday movie-goers.

In an interesting addition to the company’s already numerous offerings, which entirely excludes the most popular moviegoing nights of Friday through Sunday. It’s probably a pretty tempting proposition for those who are already inclined to do whatever it takes to avoid lines in the first place. 

The new offerings start at $4 a month for a single ticket, all the way up to $24 for one ticket for every Monday, Tuesday, Wednesday and Thursday, for the truly obsessed. The prices are up to 20-percent cheaper than the company’s other plans. There are a few caveats here and there, however, including different rules for 3D, 4D and IMAX films. I’ll let you crawl through all of those yourself on Sinemia’s site.

The news comes as AMC announces that it has raised the price for its own in-theater competing offering. And then, of course, there’s whatever the hell is currently going on with MoviePass.


Source: TechCrunch

The Key to a Long Life Has Little to Do With ‘Good Genes’

Alphabet’s longevity lab Calico trawled through Ancestry’s massive genealogy database to study human longevity—and found that DNA matters less than people have long believed.
Source: Wired

Audi's A8 Sedan Rolls With the Punches to Make T-Bone Crashes Safer

The $84,000 luxury sedan can sense an impending crash and adjust its suspension to protect its occupants in under a second.
Source: Wired

Best iPhone for 2018: Which Model Should You Actually Buy?

Picking the right iPhone has become an increasingly difficult choice, but this breakdown may help.
Source: Wired

Milking Scooters for Cash Helps Cities Build for the Future

Cities are experimenting with fees for scooter companies desperate to leave their electric mobiles on their sidewalks. And that money could help them keep up with the evolving world of mobility.
Source: Wired

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