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A Wall Street firm just downgraded Netflix, and now the stock is tumbling (NFLX)

Netflix has made itself into a fixture in the entertainment business. But according to one Wall Street firm, the company's days of booming growth may be over.

William Power and Steven Beckert at Baird downgraded Netflix to "Neutral" from "Buy" in a note Monday, saying the company's subscriber count may have plateaued.

"In our Q4 U.S. survey, 46% of respondents stated that they were Netflix streaming subscribers vs. 47% in Q3 and 35% a year ago," Power and Beckert wrote. "This appears to point to more flattish Q4 2015 U.S. subscriber progress, and, if accurate, potentially raises some questions around the U.S. subscriber growth trajectory."

Shares are down 4.5% since Thursday's close.

A hot US fintech startup that lets you trade stocks for free is coming to Europe

US stock trading app Robinhood is looking for a new regional CEO to "to lead and operate our planned UK/EU expansion," according to a job listing posted on its website.

Robinhood lets people buy and sell US shares for free through its app. It bypasses traditional commission and trading fees that brokers charge by using technology to cut operating costs to the bare minimum.

It makes its money from the interest it gets on uninvested client deposits it holds. It is also planning to introduce paid-for premium features.

The Palo Alto-based startup, founded by two Stanford graduates in 2013, is one of the hottest fintech — financial technology — startups in the US. The app

10 things in tech you need to know today
Posted January 4, 2016 0:9 AM
10 things in tech you need to know today

Good morning! Here's the tech news you need to know to start your week.

1. Mark Zuckerberg's challenge in 2016 is to build an AI butler like in "Iron Man." Every year, the Facebook founder sets himself a challenge — in previous years, he has read two books a month and learnt Mandarin.

2. Uber is struggling in Germany. The ride-hailing company recently ceased operations in Frankfurt, and has faced legal challenges to low-cost service UberPop, The New York Times reports.


Ford is finally bringing Apple and Google's in-car operating systems to its vehicles

Apple and Google's in-car operating systems both just got a big boost: Ford has announced that CarPlay and Android Auto will be coming to its vehicles this year.

As also reported on by The Verge and TechCrunch, new compatible vehicles with the company's Sync 3 infotainment hardware will get the OS's this year.

This includes the 2017 Escape, which will go on sale in Spring. (Confusingly, cars labelled 2017 go on sale in 2016, "2016" vehicles went out in 2015, and so on.)

Meanwhile, "2016" vehicles will be able to upgrade at some point later in the year.

Amazon is offering customers loans — and high street retailers should be worried (AMZN)

Amazon UK is now offering a monthly pay-back option on items worth over £400 ($590), according to the company's website.

The service, which is called Amazon Pay Monthly, is in partnership with Hitachi Capital, who also work with John Lewis on a similar scheme. The repayment can be made over two, three, or four year periods, depending on the price of the item — making pricey purchases much more affordable. According to Trusted Reviews, the interest rate is set at 16.9%.

Customers will have to submit to a credit check and will, in most cases, know whether they qualify within a minute, according to Amazon.

One person "close to Amazon"

The 10 most important things in the world right now

Good morning! Here's what you need to know today.

1.Saudi Arabia has given Iranian diplomats 48 hours to leave the country after severing diplomatic ties between the two nations. The move comes after Iranian protesters attacked the Saudi embassy in Tehran in retaliation for Saudi Arabia's execution of a prominent Shiite cleric and 46 others.

2. Somalia's Islamist militant group al Shabaab has released a recruitment film in the form of a documentary about racial injustice in the United States featuring Republican presidential candidate Donald Trump.


Complaints about a hard-to-find fare estimator on New Year's Eve forced Uber to change its app

Complaining about the price of an Uber ride on New Year's Eve is becoming a tradition akin to the ball drop itself. Every year, riders rack up $300 fares and cry foul that Uber has snookered their money.

The common response is to blame the riders who could estimate the fare and agreed to the surge in cost.

But this year, some riders found it hard to find the fare estimate option to know the cost in advance, leaving them to blindly accept the ride without knowing how much it might cost them.

Bob Sullivan, a tech writer at his eponymous blog, was the first to 

Mark Zuckerberg's challenge in 2016 is to build an AI butler like in 'Iron Man'

For the past year, Facebook's CEO Mark Zuckerberg has been reading two months. He's spent other years learning Mandarin or only eating meat that he killed.

This year, Zuckerberg is clearly envious of Iron Man Tony Stark's futuristic life. He's challenged himself to code his own version of JARVIS from "Iron Man", the digital butler who controlled Stark's life and home

Zuckerberg says he'll start with understanding some of basic smart home technology that's out there — he's a fan of Amazon's Echo — but then he wants to build something that's custom to his own home. 

Paul Graham: 'Ending income inequality means ending startups'

As the pendulum of wealth swings heavily toward Silicon Valley, Y Combinator founder Paul Graham is happy to push it even higher. Rather, the talk of ending ending economic inequality — or the growing separation between the rich and the poor, but mostly the rich getting richer — makes Graham scared, for society and for startups.

In a new essay, Graham defends startups because they generate new wealth rather than take from the existing pie. Instead, people should be focused on ending poverty, not ending income inequality.

14 apps to help you stick to your New Year's resolutions

Most people struggle to keep their New Year's resolutions — it wouldn't require a resolution, after all, if it were easy to do.

Thankfully, there are apps to help you keep on track.

We combed through Apple and Google's list of the best apps of the year, along with Business Insider's own reviews and Tech Insider's App 100, to pull together a list of 14 apps that will help you reach your goals a little faster. 

First, start by making a list of your New Year's resolutions on Wunderlist.