shahhet2

Soli said:

ITGUYINSD said:

Soli said:

chemengin1 said:

emoeller said:

chemengin1 said:

rob bonner said:

Not trying to be negative on this, really asking.  Why would anyone want this card?  The rate is pretty high, the integrations are interesting but don't really add that much value IMO, and I can use Apple Pay with my existing card.  What is the draw?

There is none (being serious). 

This is only the third credit card I have ever had (the other two are AMEX and Visa).  Here are the reasons I chose to sign up:

1)  Extremely secure.  There is no fixed card number, and if the physical card is used and a card skimmer or waiter steals your card number and pin, a number can be created instantly.  So there is no interruption in use of the card.

2)  No Tracking.   You are not identified by the retailer by name or by card number.  They only receive meta-data, they cannot track you (unless you want them to by signing up for some "deal" in which you have control over what information you give them)

3)  Having instant info on spending is very handy, and provides for instant recognition if charges are incorrect, thus allowing for immediate corrections.

4)  Reasonable interest rate (mine was a high limit with a 12.99% interest rate).   Not a big deal of me as I pay off my balance every month.

5)  Complete control over payments.  I simply set mine up to auto pay from my bank at the end of each month.   I don't incur any interest charges and I'm sent notifications well in advance so I can balance my bank statements.

6)  Very detailed (and very Apple designed) infographics on spending by category and retailer.   Also the info on the retailer is in plain english with business name, address, map, and contact info.  Very handy for looking back at what I purchased and from whom.

7)  There are no fees, and no late fees, or currency fees.

8)  Ties to my Apple Cash account, and of course there is the instant cash back features

9)  So far so good, I've made a couple of transactions and set up auto pay.  I will evaluate how this works for me (about 65% of all retailers in the US now accept Apple Pay/Card) to see if this is something I want to use long term.  But I know from experience that Apple Pay works extremely well and fast at checkout, especially using my Watch, so all of my Apple Pay will be done using this card going forward.

10)  Longer term I can see using this card (or something like it) to manage all of my payments (retail purchases, mortgage, other credit card balances (not available now), utilizes etc, etc) from a single source while I am mobile.

1. Nearly all credit cards available today with EMV (chip) are equally as secure (data is encrypted when inserting your chip). Also, many people link their cards to Apple Pay and pay via NFC, which is also equally as secure. The instant number creation is not related to stolen Apple Cards. It is used for making purchases online. If your Apple Card is stolen, you must report it, freeze it, and request a new one. 

2. See above. Encrypted meta-data during payment is the norm already.

3. Nearly all credits cards today post your pending purchase in your account immediately, with the charged amount. Immediate corrections are not necessary (credit card payments are not due for a minimum of 30 days after payment. Reversal of fraudulent charges can typically be handled in that time frame).

4. Not a big deal for those who pay off in full each month.

5. Nearly every card today allows for auto pay and has notification settings.

6. Mint.com allows you to see your spending by category/retailer on ALL of your credit cards at one time. This is a significant advantage over the Apple Card because people are interested in their total spend, not just their spend on one individual card. Apple Card will NOT be able to be linked to any budgeting app (Mint, Quicken, etc) - a massive deal breaker.

7. An infinite number of credit cards are available today with no fees. 

8. 1-3% cash back today or in 30 days is not significant.

9. Most cards available today can be added to Apple Pay.

In short, there is no added draw whatsoever.

OMG! Still trolling with the same lies. Pathetic.

Which of the 9 points are a lie?  Because they all seem correct to me…

The very first point, for starters, but why should I bought when in 2019 you can't understand how a system that uses a secure backend to create a referential and tokenized card number to use with a digital device that is tied to your bank account by your bank, which stores your credentials on a local a secure element, and then uses a required passcode to access the device before allowing a secure biometric to allow you to use the referential, tokenized card is inherently more secure than a physical card that anyone can use simply by having it their possession there there's absolutely nothing I can tell that will make you understand how they are not "equally as secure."

StrangeDays said:

chemengin1 said:

StrangeDays said:

rob bonner said:

Not trying to be negative on this, really asking.  Why would anyone want this card?  The rate is pretty high, the integrations are interesting but don't really add that much value IMO, and I can use Apple Pay with my existing card.  What is the draw?

2% cash back on NFC, 3% on all Apple products and services, no annual fee. Why wouldn’t I want to use it for my Apple Pay card?

That doesn’t mean I’ll use it for everything, of course. 

The interest rate is quite poor (24% for good credit), but I don’t plan to carry a balance. 

At least 3 cards available today offer 2% cash back on NFC AND non-NFC purchases.

Apple products can often be found on Amazon at equal or lower price than Apple.com and paid with Amazon Credit Card for 5% back.

Itunes gift cards can easily be found online for at least 5% off.

So what's the advantage?

What are the 2% cashback no fee cards?

I don’t buy my Apple gear from Amazon. Nor does that cover App Store, iTunes, iCloud, etc which are 3%. 

So the advantages for me are there. If you’re pretending I’m saying it’s the only card for everybody for all use cases, you’re being silly. 

gatorguy said:

shahhet2 said:

The 40% refers to the combined U.S. federal(35%) and state tax rate(5%) Apple would likely owe.

Still doesn't account for the taxes Apple already paid on those profits. Surely Apple paid something on it already and that would be deducted from what is stilled owed to the US, right? For example if they paid 12% to the Irish the remaining corporate taxes owed to the Feds would be 23%.

Soli said:

chemengin1 said:

emoeller said:

chemengin1 said:

rob bonner said:

Not trying to be negative on this, really asking.  Why would anyone want this card?  The rate is pretty high, the integrations are interesting but don't really add that much value IMO, and I can use Apple Pay with my existing card.  What is the draw?

There is none (being serious). 

This is only the third credit card I have ever had (the other two are AMEX and Visa).  Here are the reasons I chose to sign up:

1)  Extremely secure.  There is no fixed card number, and if the physical card is used and a card skimmer or waiter steals your card number and pin, a number can be created instantly.  So there is no interruption in use of the card.

2)  No Tracking.   You are not identified by the retailer by name or by card number.  They only receive meta-data, they cannot track you (unless you want them to by signing up for some "deal" in which you have control over what information you give them)

3)  Having instant info on spending is very handy, and provides for instant recognition if charges are incorrect, thus allowing for immediate corrections.

4)  Reasonable interest rate (mine was a high limit with a 12.99% interest rate).   Not a big deal of me as I pay off my balance every month.

5)  Complete control over payments.  I simply set mine up to auto pay from my bank at the end of each month.   I don't incur any interest charges and I'm sent notifications well in advance so I can balance my bank statements.

6)  Very detailed (and very Apple designed) infographics on spending by category and retailer.   Also the info on the retailer is in plain english with business name, address, map, and contact info.  Very handy for looking back at what I purchased and from whom.

7)  There are no fees, and no late fees, or currency fees.

8)  Ties to my Apple Cash account, and of course there is the instant cash back features

9)  So far so good, I've made a couple of transactions and set up auto pay.  I will evaluate how this works for me (about 65% of all retailers in the US now accept Apple Pay/Card) to see if this is something I want to use long term.  But I know from experience that Apple Pay works extremely well and fast at checkout, especially using my Watch, so all of my Apple Pay will be done using this card going forward.

10)  Longer term I can see using this card (or something like it) to manage all of my payments (retail purchases, mortgage, other credit card balances (not available now), utilizes etc, etc) from a single source while I am mobile.

1. Nearly all credit cards available today with EMV (chip) are equally as secure (data is encrypted when inserting your chip). Also, many people link their cards to Apple Pay and pay via NFC, which is also equally as secure. The instant number creation is not related to stolen Apple Cards. It is used for making purchases online. If your Apple Card is stolen, you must report it, freeze it, and request a new one. 

2. See above. Encrypted meta-data during payment is the norm already.

3. Nearly all credits cards today post your pending purchase in your account immediately, with the charged amount. Immediate corrections are not necessary (credit card payments are not due for a minimum of 30 days after payment. Reversal of fraudulent charges can typically be handled in that time frame).

4. Not a big deal for those who pay off in full each month.

5. Nearly every card today allows for auto pay and has notification settings.

6. Mint.com allows you to see your spending by category/retailer on ALL of your credit cards at one time. This is a significant advantage over the Apple Card because people are interested in their total spend, not just their spend on one individual card. Apple Card will NOT be able to be linked to any budgeting app (Mint, Quicken, etc) - a massive deal breaker.

7. An infinite number of credit cards are available today with no fees. 

8. 1-3% cash back today or in 30 days is not significant.

9. Most cards available today can be added to Apple Pay.

In short, there is no added draw whatsoever.

OMG! Still trolling with the same lies. Pathetic.

Soli said:

edit: Why even bother? If someone repeated lies they're either trolling or are incapable of being taught.

Soli said:

shahhet2 said:

StrangeDays said:

shahhet2 said:

Nope. There's no way the 2015 model is leading record growth for Mac sales. That's just the techie-blogger-echo-chamber-whiner narrative, put forth by the usuals such as Marco Arment. As usual, his ultra-niche wants do no represent the mass market of consumers and pro consumers. The echo chamber is out of touch.

Not sure, why few keep referring as record growth?
It's 4% growth year over year.

I refer to it as record growth because of last quarter's record mac sales. Perhaps "record sales" is more accurate than "record growth", but at that point we're splitting hairs -- the Mac is selling more than it ever has. Despite the whiners saying the MBP sucks because ports, because RAM, etc... Clearly people are voting w/ their wallets and buying Macs.

Again, Why record term? It sold over 4 million last year, even before Mac upgrade cycle. 4% growth is normal for long due upgrade.

You're seriously asking why a company would want to keep track of unit sales, revenue, and profits of their products over various timeframes?

wizard69 said:

Indymo33 said:

I'm still not sure how I feel about no headphone jack.  I am very excited about the camera though. I have always been jealous of the android cameras or the cameras of the Microsoft phone that was made by Nokia. 

We will see. I use Bluetooth headphones 90% of the time anyway. Less wires in my car,  when I'm walking around to snag on things, and generally in life. I have enough wires anyway!

I'm not overly excited about this version, though it is my time to upgrade and I probably will get it. I am a little bit intrigued with the note seven, however, every time I've gone to android I've been frustrated even though I really really really really wanted it to work.

It's a bold New World, and changes are coming on almost every level. Including our cell phones!

Is there a cell phone the size of IPhone that has materially better camera than iPhone?   If there is I don't know about it, generally the beer cameras are in bulkier devices which sort of undermines the whole idea of a device that is on your person all day long.  Sounds like you have a severe case of penis envy here.  

Im still on an iPhone 4, I try not to get excited about products rather buy new as needed.  As for Android I want nothing to do with that platform as I prefer to work with ethical businesses.  Sadly there are few other choices to be made when it comes to cell phones.   Given that my next cell phone will likely be an iPhone, maybe even the coming release.  

As as for a bold new world maybe, but the changes aren't that massive at the moment.    True change will come when your cellphone can also be your desktop simply by plugging into a monitor.  I believe that day is coming I'm just not sure Apple can do it right.   

bkkcanuck said:

shahhet2 said:

bkkcanuck said:

shahhet2 said:

javacowboy said:

You're kidding right? Browsing on Dell's site I see a Lattitude with 8Gb of RAM and 128 Gb of SSD for $1,619.00.

Three weeks ago I purchased Dell New Open Box 2 in 1 with skylake processor, i5 8GB RAM(Upgradable to 16 GB), and 255GB SSD(Upgradable) with full touch screen,13" and( 15" IPS display), with 360 table mode and Aluminium Chassis like Macbook Pro for $435 with full one year warranty. Brand new was $500. Same deal with same configuration was there for HP Spectre and Lenovo 710 on alternate weeks for $500. Guess who is savvy shopper and who is blind trust in one brand shopper.

Since you avoided giving exact model for comparison I searched for HP Spectre - the new one and it came in at $1000ish from their web site.  Then of course there was the upgrade for the operating system to "pro" (I never used Home) -- and it used the HD level graphics (I believe Macbook Pros from Apple tend to use the one for Iris level graphics which come out much later in the cycle).  But then you would have to pay me to use windows again  

When doing comparisons on price, people often pick the farthest model away based on build/component quality.  There is some good hardware out for Windows/Linux machines - but rarely do they come in at that great of savings.

I am hoping you are smart enough to search a deal for it and not always give out max price what it shows, unless you are in habit of paying asking price. As said just small search will give you results for all three models in last 4 weeks only and it keeps coming every other week. My model was Dell  I7368.
Here is one one example for $799
http://www.adorama.com/le80ru00fsus.html?sdtid=8977427&emailprice=t&utm_medium=Affiliate&utm_source=rflaid62905

OK, so you wanted to cheap out.... rather low resolution screen (HD not retina), old low level Intel HD Graphics 520 rather than Intel Iris level.  If they are hitting those low points, but the deal breaker for me is the extremely slow SSD that they put in it (and even then a very small one to start with).

bkkcanuck said:

shahhet2 said:

bkkcanuck said:

shahhet2 said:

javacowboy said:

You're kidding right? Browsing on Dell's site I see a Lattitude with 8Gb of RAM and 128 Gb of SSD for $1,619.00.

Three weeks ago I purchased Dell New Open Box 2 in 1 with skylake processor, i5 8GB RAM(Upgradable to 16 GB), and 255GB SSD(Upgradable) with full touch screen,13" and( 15" IPS display), with 360 table mode and Aluminium Chassis like Macbook Pro for $435 with full one year warranty. Brand new was $500. Same deal with same configuration was there for HP Spectre and Lenovo 710 on alternate weeks for $500. Guess who is savvy shopper and who is blind trust in one brand shopper.

Since you avoided giving exact model for comparison I searched for HP Spectre - the new one and it came in at $1000ish from their web site.  Then of course there was the upgrade for the operating system to "pro" (I never used Home) -- and it used the HD level graphics (I believe Macbook Pros from Apple tend to use the one for Iris level graphics which come out much later in the cycle).  But then you would have to pay me to use windows again  

When doing comparisons on price, people often pick the farthest model away based on build/component quality.  There is some good hardware out for Windows/Linux machines - but rarely do they come in at that great of savings.

I am hoping you are smart enough to search a deal for it and not always give out max price what it shows, unless you are in habit of paying asking price. As said just small search will give you results for all three models in last 4 weeks only and it keeps coming every other week. My model was Dell  I7368.
Here is one one example for $799
http://www.adorama.com/le80ru00fsus.html?sdtid=8977427&emailprice=t&utm_medium=Affiliate&utm_source=rflaid62905

OK, so you wanted to cheap out.... rather low resolution screen (HD not retina), old low level Intel HD Graphics 520 rather than Intel Iris level.  If they are hitting those low points, but the deal breaker for me is the extremely slow SSD that they put in it (and even then a very small one to start with).

bkkcanuck said:

shahhet2 said:

bkkcanuck said:

bkkcanuck said:

shahhet2 said:

bkkcanuck said:

shahhet2 said:

javacowboy said:

You're kidding right? Browsing on Dell's site I see a Lattitude with 8Gb of RAM and 128 Gb of SSD for $1,619.00.

Three weeks ago I purchased Dell New Open Box 2 in 1 with skylake processor, i5 8GB RAM(Upgradable to 16 GB), and 255GB SSD(Upgradable) with full touch screen,13" and( 15" IPS display), with 360 table mode and Aluminium Chassis like Macbook Pro for $435 with full one year warranty. Brand new was $500. Same deal with same configuration was there for HP Spectre and Lenovo 710 on alternate weeks for $500. Guess who is savvy shopper and who is blind trust in one brand shopper.

Since you avoided giving exact model for comparison I searched for HP Spectre - the new one and it came in at $1000ish from their web site.  Then of course there was the upgrade for the operating system to "pro" (I never used Home) -- and it used the HD level graphics (I believe Macbook Pros from Apple tend to use the one for Iris level graphics which come out much later in the cycle).  But then you would have to pay me to use windows again  

When doing comparisons on price, people often pick the farthest model away based on build/component quality.  There is some good hardware out for Windows/Linux machines - but rarely do they come in at that great of savings.

I am hoping you are smart enough to search a deal for it and not always give out max price what it shows, unless you are in habit of paying asking price. As said just small search will give you results for all three models in last 4 weeks only and it keeps coming every other week. My model was Dell  I7368.
Here is one one example for $799
http://www.adorama.com/le80ru00fsus.html?sdtid=8977427&emailprice=t&utm_medium=Affiliate&utm_source=rflaid62905

OK, so you wanted to cheap out.... rather low resolution screen (HD not retina), old low level Intel HD Graphics 520 rather than Intel Iris level.  If they are hitting those low points, but the deal breaker for me is the extremely slow SSD that they put in it (and even then a very small one to start with).

Lol,there is no pointing arguing with a guy who has made up his miding spending more. Display for Dell is IPS FHD and not just HD. Have you seen $799 link I gave you? Tell me similarly configured Mac and then come back to me.

Display is FHD.... do you know what FHD is?  it is "Full HD" i.e. 1080p not 720p (I had that back in my last Dell laptop more than a decade ago).   The display you are screaming about is old old old technology....

Google the difference between IPS FHD and FHD and then argue more.
Here from Dell site saying it is IPS FHD.
13.3-inch FHD (1920 x 1080) Truelife LED-Backlit Touch Display with Wide Viewing Angle (IPS)

They are two different acronyms for two different factors within the monitor.

IPS is the display technology and it is the more common display technology in "affordable" displays.  Most laptop displays are going to use IPS (unless they are OLED).  Typically better colour than the older technology TN but slower.

The other acronym is the resolution.  FHD is "Full HD" which is the resolution that you have mentioned (1080p), which is HALF the resolution of the retina screens.

My Dell laptop from more than a decade ago was FHD resolution....  

So -- yay! you have a laptop with half the resolution.... big advancement