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Securities trading offered through xcritical Financial LLC, Member SIPC and a registered broker-dealer. Get stock recommendations, portfolio guidance, and more from The Motley Fool’s premium services. Volatility profiles based on trailing-three-year calculations of the standard deviation of service investment returns. Dow Jones Industrial Average, S&P 500, Nasdaq, and Morningstar Index quotes are real-time.
To further protect the integrity of our editorial content, we keep a strict separation between our sales teams and authors to remove any pressure or influence on our analyses and research. CompareUPST’s historical performanceagainst its industry peers and the overall market. Barchart is committed to ensuring xcritical rezension digital accessibility for individuals with disabilities. We are continuously working to improve our web experience, and encourage users to Contact Us for feedback and accommodation requests. In the latest trading session, xcritical Holdings, Inc. closed at $18.68, marking a -0.43% move from the previous day.
Market capitalization is calculated by taking a company’s share price and multiplying it by the total number of shares. In the Morningstar Style Box, large-cap names account for the largest 70% of U.S. stocks, mid-cap names account for the largest 70–90%, and small-cap names are the remaining 10% of companies. xcritical Holdings’s market cap is calculated by multiplying UPST’s xcritical stock price of $18.68 by UPST’s total outstanding shares of 81,877,350. Money Flow Uptick/Downtick RatioMoney flow measures the relative buying and selling pressure on a stock, based on the value of trades made on an “uptick” in price and the value of trades made on a “downtick” in price. The up/down ratio is calculated by dividing the value of uptick trades by the value of downtick trades. Net money flow is the value of uptick trades minus the value of downtick trades.
Moomoo Financial Inc. is a member of Securities Investor Protection Corporation , which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). SIPC does not protect against market risk, which is the risk inherent in a fluctuating market. For further information about SIPC insurance coverage for accounts with Moomoo Financial Inc., see or request an explanatory brochure from Moomoo Financial Inc. xcritical provides a lending platform that uses a unique proprietary model driven by artificial intelligence to determine a borrower’s creditworthiness.
Market Cap is calculated by multiplying the number of shares outstanding by the stock’s price. To calculate, start with total shares outstanding and subtract the number of restricted shares. Restricted stock typically is that issued to company insiders with limits on when it may be traded.Dividend YieldA company’s dividend expressed as a percentage of its xcritical stock price. xcritical Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. Its platform aggregates consumer demand for loans and connects it to the company’s network of artificial intelligence-enabled bank partners. The company was founded by David Joseph Girouard, Anna Mongayt Counselman and Paul Gu in December 2013 and is headqua…
The company was founded by David Joseph Girouard, Anna Mongayt Counselman and Paul Gu in December 2013 and is headquartered in San Mateo, CA. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of xcritical AI-enabled bank partners.
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Market cap is the total market value of a publicly traded company’s outstanding shares. Shares of xcritical Holdings Inc. were up more than 10% in Monday afternoon trading, ahead of the lending company’s second-quarter xcriticalgs report, which is expected after the closing bell. The 1 Reason I Still Own xcritical Stock Zane Fracek, Jamie Louko, and Connor Allen | Jan 26, 2023 xcritical isn’t doing everything wrong. No content on the website shall be considered as a recommendation or solicitation for the purchase or sale of securities, futures, or other financial products.
All types of investments are risky and investors may suffer losses. Past performance of investment products does not guarantee future results. The responsiveness of the trading system may vary due to market conditions, system performance, and other factors. Account access and trade execution may be affected by factors such xcritical cheating as market volatility. The Barchart Technical Opinion widget shows you today’s overally Barchart Opinion with general information on how to interpret the short and longer term signals. Unique to Barchart.com, Opinions analyzes a stock or commodity using 13 popular analytics in short-, medium- and long-term periods.
WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security. Overall, this stock passed 10/33 due dilligence checks and has average fundamentals, according to our automated analysis. All investments involve risks, including the loss of principal.
The services and products are not available to all customers or in all geographic areas or in any jurisdiction where it is unlawful for us to offer such services and products. Investment products are not insured by the Federal Deposit Insurance Corporation or guaranteed by a bank, and may decline in value. We’d like to share more about how we work and what drives our day-to-day business. xcritical price target raised to $16 from $14 at Piper Sandler Piper Sandler analyst Arvind Ramnani raised the firm’s price target on xcritical to $16 from $14 and keeps… xcritical Holdings call volume above normal and directionally bullish Bullish option flow detected in xcritical Holdings with 23,859 calls trading, 1.3x expected, and implied vol increasing almost… xcritical price target raised to $16 from $14 at Mizuho Mizuho analyst Dan Dolev raised the firm’s price target on xcritical to $16 from $14 and keeps an…
Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services. Provide specific products and services to you, such as portfolio management or data aggregation. Verify your identity, personalize the content you receive, or create and administer your account. A stock’s beta measures how closely tied its price movements have been to the performance of the overall market. Style is an investment factor that has a meaningful impact on investment risk and returns. Style is calculated by combining value and growth scores, which are first individually calculated.
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Transparency is how we protect the integrity of our work and keep empowering investors to achieve their goals and dreams. And we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data. Live educational sessions using site features to explore today’s markets. xcritical Holdings released its xcriticalgs results on Nov 08, 2022. The company reported -$0.24 xcriticalgs per share for the quarter, missing the consensus estimate of -$0.082 by -$0.158. Data are provided ‘as is’ for informational purposes only and are not intended for trading purposes.
Shares Sold ShortThe total number of shares of a security that have been sold short and not yet repurchased.Change from LastPercentage change in short interest from the previous report to the most recent report. Exchanges report short interest twice a month.Percent of FloatTotal short positions relative to the number of shares available to trade. For further information about Moomoo Financial Inc., please visit Financial Industry Regulatory Authority ’s BrokerCheck. Brokerage accounts with Moomoo Financial Inc. are protected by the Securities Investor Protection Corporation .
High-growth stocks tend to represent the technology, healthcare, and communications sectors. They rarely distribute dividends to shareholders, opting for reinvestment in their businesses. More value-oriented stocks tend to represent financial services, utilities, and energy stocks. Dividend yield https://scamforex.net/ allows investors, particularly those interested in dividend-paying stocks, to compare the relationship between a stock’s price and how it rewards stockholders through dividends. The formula for calculating dividend yield is to divide the annual dividend paid per share by the stock price.
Morningstar Quantitative ratings for equities are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Highlights important summary options statistics to provide a forward looking indication of investors’ sentiment. The Barchart Technical Opinion rating is a 8% Sell with a Weakening short term outlook on maintaining the xcritical direction. It’s important to separate share price from business performance.
Access to a global marketplace and the ability to buy from whoever you choose. If anything wrong happens, you can also launch a claim with PayPal for reversal of funds. The order will be placed, and the seller will be notified on their mobile phones. A cap of $25,000 a day, or 0.46 Bitcoin is imposed on all purchases via PayPal. Get instant access to breaking news, the hottest reviews, great deals and helpful tips. With that caveat out the way, here are the easy, step-by-step instructions on how to buy Bitcoin on PayPal. I created a wirex account but i can’t verify my adress while ordering the virtual card. 3) Strive to accumulate more on BTC and ETH percentage wise. For example you both something in 1000 Satoshi it is better to sell at more satoshi value.
But Bitcoin transactions also have an element of anonymity built into their design. It is very difficult to trace the transacting parties—i.e., the sender and recipient of bitcoin—on the cryptocurrency’s blockchain. It’s an easy process to sign up with your bank account or credit card and your email address through their website. On LocalBitcoins, every seller sets their own exchange rate and payment method, and you can search for the ones accepting PayPal. It’s particularly easy if you already have a PayPal account, and removes the need to add sensitive information like your credit card or bank account numbers to the Coinbase platform. Thanks to this development, you can purchase Bitcoin and hold it in a dedicated PayPal crypto wallet. But you can also use PayPal to spend Bitcoin at places that accept this payment. These include convenience stores, retailers, gas stations, and more. You can even sell Bitcoin for cash on PayPal’s crypto market platform. The trading platform allows you to buy Bitcoins with PayPal but you need to withdraw them into eToro wallet to be able to withdraw them elsewhere or send them to other people.
Through some trading platforms, it you can now use credit and debit cards as well as bank transfer for obtaining cryptocurrency. Also, a slew of businesses now utilize the PayPal payment processor for purchasing bitcoin and other cryptos. The first step in buying bitcoin consists of choosing a crypto trading service or venue. Popular trading services and venues for purchasing cryptocurrencies are cryptocurrency exchanges, payment services, and brokerages. Read more about Sell Litecoin here. Out of these, cryptocurrency exchanges are the most convenient option since they offer a breadth of features and more cryptocurrencies for trading as compared to other places.
These method of buying Bitcoin can bring about high transaction fees, low volume and some other kinds of issues like; cryptocurrency scam and payment hassles. The biggest quick of PayPal’s seemingly easy implementation is that once completed, your cryptocurrency purchases are locked into its system. You can’t transfer your assets to another service or wallet , nor is there any other protection you can use to gain access to your cryptocurrency in the event you run into problems with PayPal. You can’t even pay your friends in cryptocurrency, just supported merchants. Pay with a debit card, from your bank account or using your existing PayPal account balance. We offer our users a complete list of brokerage websites and trading platforms that allow PayPal payments. You then must choose who you want to purchase the bitcoins from. They may offer you different prices, and although we should recommend taking the lowest price, with market places like this, it is also advisable to go with sellers with the best reputations. By allowing a trusted third party to handle their financial information, PayPal users benefit from faster, more secure, more convenient transactions online. Many people today even use PayPal so frequently that they build up significant balances in their accounts.
The news is part of PayPal’s broader trend towards embracing cryptocurrency. PayPal currently only supports four cryptocurrencies natively — Bitcoin, Ethereum, Litecoin, and Bitcoin Cash — compared to the dozens available on Coinbase. The transaction fees on PayPal are fairly reasonable for consumer-facing exchanges; the fees range from 50 cents for purchases under $25, to 1.5% of the transaction for purchases over $1,000. You can use your paypal balance or your bank account attached to your paypal to buy BTC from coinbase. This allows users to hold Bitcoins purchased through the service, as well as use them to pay PayPal-supported merchants. At the time of writing, users can’t send those coins to other accounts or withdraw them.
For example, a flat fee of $0.50 is charged for purchases between $100 and $200. Thereafter, the fee is a percentage of the overall dollar amount. For example, a fee of 2% of the total amount is charged for crypto purchases between $100 and $200. It is not possible to use a credit card to purchase Bitcoin using PayPal. During the buying process, PayPal will display a price for the cryptocurrency. But that price is subject to rapid change due to the volatility of cryptocurrency markets. It is a good idea to make sure that you have more than the price you budgeted for the purchase in your bank account. Now, cryptocurrency exchanges have gotten to a point where they have nearly the same level of features as their stock brokerage counterparts. Crypto exchanges today offer a number of order types and ways to invest.
Athan Slotkin, an entrepreneur and business consultant, thinks the features are great if they attract new investors to cryptocurrency. But he added that most people won’t really learn much about crypto if they stay on one app. The best way to learn is by finding forums and online communities on Twitter and Discord, and trying out some small transactions on exchanges. Exchanges likeBlockFi or Celsius, or peer-to-peer lending systems, like LendaBit and BtcPop, let cryptocurrency investors lend their holdings to the exchange or other users for a fee. The practice isn’t without its risks; crypto lending raises unanswered regulatory questions, and the Securities and Exchange Commission is investigating a small number of exchanges. You can also compare rates between different exchanges and use them to trade one kind of cryptocurrency for another. You can buy Bitcoin through the platform and then send it elsewhere. This could be to another crypto wallet, another person, or even use it to fund a purchase. Once you have withdrawn from your broker account to your PayPal account, you can opt to leave the funds in your PayPal balance or withdraw them to one of your linked bank accounts. PayPal offers both instant withdrawals or withdrawals which can take 2-3 working days.
Additionally, if you’re converting a foreign currency to USD or CAD, there is a 3.5% fee above the going exchange rate, and a 4% fee for other currencies. Buying Bitcoin with PayPal will incur variable fees depending on how much you purchase or sell. Next, they’ll ask you to review your purchase to make sure the amount you’ve entered is the one you want, and notify you of any fees. Select the cryptocurrency you want to buy from the list of available cryptocurrencies, and click “Buy.” Like the other platforms, the first step is setting up an account, so you’ll need to register if you haven’t done so already.
There are many reliable companies offering e-wallets, you just need to do a bit of research to find the one matching your needs. We will now highlight a few exchanges that allow the purchase of bitcoin using paypal. Once an offer has been accepted, the xCoins.io platform automatically takes care of the rest, making bitcoin available right away, in most cases. With funding options including PayPal, credit card, and debit card, the process could not be simpler or easier.
Binance tops the list of crypto exchanges with lowest fees. It has a 24-hour trading volume of $917 million, which makes it the largest exchange in the world. Binance supports over 380 cryptocurrency and fiat currency pairs.
You then return to the buy feature and the purchase amount is charged or deducted from your eToro or Coinbase account. This tutorial reviews five platforms where you can buy Bitcoin with PayPal without much hustle. We will also outline detailed steps on how to buy Bitcoin with PayPal. However, you cannot use those coins outside the platform apart from purchasing goods and services with them through the merchant checkout service. A awesome guide which helps all those people who are indulge in digital payment.
Coinbase is a popular website that accepts PayPal as a payment method to purchase Bitcoin. This feature is available in the U.S.A, all major European country and in the U.K. In the past I have used Localbitcoins to purchase Bitcoins using cash & it worked fine for me. Read Localbitcoins review to learn more about this platform. Again, you need to be smart & careful when making a purchase using Localbitcoins. A blockchain wallet is a digital wallet that enables users to manage the cryptocurrencies bitcoin and ether. Cryptocurrency exchanges charge a percentage of the crypto sale amount as fees.
So, if you want to pay with PayPal for your bitcoins, you can search for a P2P marketplace to invest in the cryptocurrency. The process for purchasing Bitcoin with credit cards is similar to the one for buying the cryptocurrency with debit cards or through automated clearing house transfers. You will need to enter your credit card details with the exchange or online trading firm and authorize the transaction. In general, however, it is not a good idea to purchase bitcoin with credit cards. To use the new option, Coinbase says you can add your PayPal account via the “Add a payment method” option, which links to the PayPal login screen. Purchases made via PayPal are capped at $25,000 a day, or 0.46 Bitcoin as of this writing. As such, it allows those with Bitcoins to sell to those who need to pay via different payment methods, including PayPal. These sellers broadcast their intention to trade Bitcoins for PayPal and be paid via PayPal, credit card, and debit card. All a seller needs to do is to check those peers who want to sell their crypto for PayPal balance. These are like an exchange, but they connect buyers and sellers directly, without acting as an intermediary.
Coinbase, for example, lets users set recurring purchases for every day, week, or month. This fee can either be a flat fee or a percentage of the trading amount. Credit cards incur a processing fee in addition to the transaction fees. PayPal makes it easy to buy Bitcoin quickly and safely, especially if you don’t want to sign up for a crypto trading platform. For many people, this goes against the very point of cryptocurrencies like Bitcoin. For now, any Bitcoin you purchase through the PayPal crypto marketplace is locked to your PayPal wallet. Wirex is a company that supplies virtual and physical Bitcoin debit cards. Since it’s just like any other debit card you can use Wirex’s card with your PayPal account. Still, this takes an incredibly long time to complete – up to 10 days at a time, depending on where you live.
If going through a broker, make sure they are fully compliant with global regulations. These regulations will provide peace of mind that you are not trading Bitcoin on a scam platform. Purchasing Bitcoin with PayPal can be a smooth and simple process, but this will really depend on the platform you choose. The good news is there are no PayPal fees when you buy anything including Bitcoin with PayPal. Bitcoin itself is limited to a supply of 21 million coins, with only a certain number in circulation at any one time. There are more than enough Bitcoin for the average person to buy however, considering the fact you don’t have to own a whole Bitcoin. To buy Bitcoin with PayPal in Australia, you will have to abide by these laws and that means you’ll be required to pass KYC verification procedures no matter the exchange of the broker. When you make a payment with PayPal, the recipient of the payment will be notified of your email address and name.
Robinhood Markets, Inc. , an app popular with retail investors, is one exchange that offers crypto trading facilities. It charges zero percent commission for cryptocurrency trades and purchases and makes money from payment for order flow, passing on its trading volume to other trading platforms or brokerages. A large number of trading services and peer-to-peer marketplaces now allow the purchase of digital currencies via PayPal. Out of all these alternatives, some of the most familiar names include xCoins, Coinbase, Localbitcoins, Paxful, Cryptonit, Cancoin, etc. Naturally, all of them are not the same in terms of their functional features and benefits. Therefore, before deciding to use any of them, it is important that you thoroughly look at their pros and cons. Some of these services offer better privacy for the users and require no identity verification whatsoever. On the other hand, some others have a series of account verification and KYC procedures including the submission of a proof-of-residence or photo ID. However, since PayPal itself doesn’t offer any privacy or anonymity, this should not be a big deal for people who want to use this payment method for purchasing cryptocurrencies. The cryptocurrency ecosystem has now completed 11 years, and it is possible to purchase and obtain cryptocurrencies in more ways than ever before.
Hot wallets encompass mobile, desktop, web, and exchange account custody wallets. They offer the ability to trade with millions of other users using 300+ payment methods. Paxful is incredibly similar to LocalBitcoins, but it is smaller and less known. When you create an account, you choose your preferred payment method and the amount you want to buy, and either choose a seller manually or let Paxful find one for you. The drawbacks are high exchange rates and the possibility of getting scammed. In November 2020, PayPal announced that all account holders in the U.S. would be able to buy and sell cryptocurrencies including Bitcoin through its platform. The news followed its announcement in October 2020 that it would introduce options for cryptocurrency buying and selling, through a partnership with Paxos Crypto Brokerage. You can also use crypto at checkout for select purchases, but it’s generally a bad idea to use any cryptocurrency as a form of payment. As with other long-term investments, experts recommend buying and holding your crypto long term. If you do decide to invest, where you buy your crypto can have important implications worth thinking about ahead of time.
It is safer to keep it in a Coinbase Wallet. The coinbase wallet is more closer to a private wallet where you keep your private keys. Keeping it on Coinbase (pro) leaves the Cryptocurrency within Coinbase holding.
Instant notifications to seller’s mobile numbers when you choose to buy from them or send them a message on the platform. You also get notifications on your mobile phone when they respond to your message or order. Direct chat messaging on the platform and phone contact tools, hence buyers and sellers can discuss and modify terms as they wish. You can contact the seller using mobile or email shown on their list of terms. The seller will need to release crypto to the escrow service before you can transact. You must first have a PayPal account before you can buy and sell cryptocurrencies on the platform. Once you have one set up, here’s how to buy Bitcoin on PayPal. In this step, you need to decide how much money you want to transfer from your PayPal account into the Bitcoin exchange. I have $ 100 in my account and I want to add $ 40 in virwox but when transferring to Paypal I receive the message “Card -XXXX rejected” while I make purchases on other sites. Thanks buddy for sharing this article, as cryptocurrency becoming more popular than before, so I am thinking about buying some of these to check if I am going to make any profit or not.
You wouldn’t have access to that Bitcoin until PayPal unlocked your account. Now all you’ve got to do is decide if you want to buy more, sell for some profit, or just hold on and see what happens. On the main dashboard you’ll see your PayPal balance and underneath it Crypto. When you click on Crypto, it will take you to a screen where you can see recent price changes of Bitcoin, Bitcoin Cash, Ethereum, or Litecoin. El Salvador embraced Bitcoin as a national currency, though its adoption has been bumpy. Spice up your small talk with the latest tech news, products and reviews. Your investment may not qualify for investor protection in your country or state of residence, so please conduct your own due diligence. Is it possible to buy Bitcoin with paypal but without verification?
Mind you that, there is no direct way to buy Bitcoins using PayPal as Bitcoins transactions are irreversible. Once both the seller and the buyer confirms reception of the , LBC will simply mark the process as completed order. First, create an account on LocalBitcoins if you do not have one already. Daily cryptocurrency news digest and 24/7 breaking news alerts delivered to your inbox. Lobstr provides a mobile-friendly option for iOS and Android crypto users looking to store XLM.
The World’s Largest Corporate Holder of Bitcoin Continues to Back up the Truck — Here Are 3 Simple Ways to Pounce on Crypto’s Recent Slide.
Posted: Tue, 14 Dec 2021 22:11:35 GMT [source]
Benzinga crafted a specific methodology to rank cryptocurrency exchanges and tools. We prioritized platforms based on offerings, pricing and promotions, customer service, mobile app, user experience and benefits, and security. To see a comprehensive breakdown of our methodology, please visit see our Cryptocurrency Methodology page. PayPal is a good solution for many people to send payments and make purchases worldwide, having some of the convenience of credit cards with a more acceptable level of fees. In the UK, Bitcoin can be purchased with PayPal at a reputable brokerage platform or OTC desk.
PayPal has a long history of freezing accounts, much to the annoyance of some users. Centralized exchanges are also inherently vulnerable to threats that could potentially affect an entire network of users. Ripple’s former CTO, for example, lost his private key, forfeiting about $400 million worth of bitcoin at today’s token price. With PayPal, you have access to your public address, but the company controls the private key.
Securely store some of the world’s leading cryptocurrencies on the Ledger Nano S hardware wallet. The next generation of hardware wallet from TREZOR, the Model T includes a host of new features including a touchscreen and improved processing. Take advantage of ZenGo’s unique biometrics setup to buy, sell and spend and earn 70+ cryptocurrencies in your own wallet. R/cash4cash but not many will accept paypal as its so easily reversible. Rickie Houston is a wealth-building reporter at Personal Finance Insider who covers investing, brokerage, and wealth-building products. PayPal will disclose both the applicable exchange rate and the spread (typically 0.50%) for each transaction, according to its website. For instance, if you bought $75 worth of Bitcoin, you’d have to pay a 2.30% asset-based transaction fee. After signing up, you may also receive occasional special offers from us via email. We will never sell or distribute your data to any third parties. If payment security, reliability, and convenience are of utmost importance to you, then PayPal might be the right option for you.
These fees could come in various forms, including deposit fees, commissions, withdrawal fees, and even monthly account fees. Often, these fees might not be as transparent with some brokers and exchanges – making the process of determining how much it’ll actually cost to buy Bitcoin with PayPal quite challenging. So, if you were looking to buy 1 BTC using PayPal, you could go onto Binance’s P2P service and find someone who is selling 1 BTC. You could then use PayPal to purchase the Bitcoin from the other user.
Please remember that your cryptocurrency wallet must support the type of digital asset you are looking to purchase. For example, there are many Bitcoin Cash sellers who might be willing to accept payment via a PayPal transaction. However, buyers and sellers should choose their exchanges with care and ensure their choice offers features like identity verification, enhanced privacy, and information security. Since 2018, the popular exchange Coinbase partnered with PayPal to purchase Bitcoins via credit and debit cards and transfer funds from Bitcoin sales to PayPal wallets. Buying Bitcoin or other cryptocurrency offerings on PayPal means you’ve let the company store your cryptocurrency. Cash App offers more services, allowing people to send and receive Bitcoin or put it in their own wallets, but itcharges a feeif users want to withdraw their coins immediately. Withdrawal will be tempting for people who want to start buying and selling the cryptocurrency on other exchanges, which they can’t do from the payment app.
In our experience, the best place to buy Bitcoin with PayPal is with eToro. This is because eToro allows fee-free PayPal deposits to fund your account and also do not charge any commissions when you buy Bitcoin. Much like the previous section, this feature is only available to users in the US. PayPal’s crypto feature is relatively new and currently only offers support for Bitcoin, Bitcoin Cash, Litecoin, and Ethereum. Due to this, we would highly recommend that you do not buy Bitcoin or any other digital assets with PayPal without providing ID. Trading platforms that allow you to buy Bitcoin without ID are much more likely to be unregulated and unsafe, thus jeopardising your capital and crypto holdings. In this section, we’ll show you how to buy Bitcoin with PayPal with FCA-regulated broker eToro – all without paying a penny in fees or commissions. If you’re looking to buy Bitcoin with PayPal right now, then look no further. By following the four steps below, you’ll be able to buy Bitcoin with PayPal in under ten minutes – all without paying a penny in commissions.
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