YP101

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YP101
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  • Plex announces price increases for 2025, remote streaming of personal media no longer free...

    YP101YP101
    Just delete the account and I will move to jellyfin.
    williamlondonwatto_cobra

  • Apple Card's future in question as Goldman Sachs CEO eyes early exit

    YP101YP101
    tlinn said:
    As someone who worked in the financial industry for quite a while, I was surprised when Goldman Sachs agreed to Apple's terms that forced them to accept low-quality customers. Apple reaped the benefits of increased sales while Goldman was responsible for writing off the predictable defaults. Hindsight is 20/20, but it didn't take hindsight to understand the move was stupid on their part.

    I hope the move to Chase happens, and happens soon. Of all the card issuers, Chase is the gold standard in my experience. They offer the best cards and the most generous rewards. They are the easiest to work with when there is a problem. Their online tools are second to none. Goldman Sachs feels like dealing with Synchrony. Their operation lacks sophistication and the integrations with software like Quicken that are standard with other card issuers.

    Hopefully, the next issuer—Chase or someone else—will improve the rewards offered for using Apple Card. Customers should get 5% back on purchases at the Apple Store. That standard everywhere else: Chase's Amazon card pays 5% on Amazon purchases. Capital One's REI card pays 5% on REI purchases. 3% is cheap. And many cards offer quality rewards on other purchases: Citi's Costco card offers 4% back on gas. Chase's Sapphire cards offer 3% back on dining and travel. Citi's Double Cash card offers a 2% reward on everything. There is little reason to use the Apple Card right now except for purchases at the Apple Store that aren't available at Amazon.
    GS has too done something as became a bank for consumer result of subprime crisis. They took the money from Fed.
    They thought CC business somewhat easy and Apple brand name value will compensate the other things they agreed to Apple that no one else not at that time.
    Remember, Apple contact first Citi, Chase and BOA and everyone said no to Apple's demand.

    And low qualify customer sign up for the CC is inevitable. Someone will lie their income level and life event occurs and their credit score goes down.
    The most of CC company make money from low quality consumer that can not pay back what they spending. So they pay interest and fees.

    The reword program that you mentioned will be somewhat questionable.  Higher % is nice but order to use that reword point may cause some hidden charge.
    Also, almost all CC company hold your point until closing billing date. Not like Apple CC. They sent you money next day which will be ended up Apple Savings for another interest add for that month. (Around 3.9%). So, Apple reword program is not just % return for what you are spending on specific products.

    Since most of consumer carry multiple CCs anyway. You can choose specific spending for best perks.
    neoncatwatto_cobra

  • U-Tec Ultraloq is first to market with UWB smart lock at CES 2025

    YP101YP101
    I wonder why almost all smart key system still have physical keyhole. I thought weakest point of key system is keyhole itself.
    Unless the smart key system somehow prevents picking the key (which I doubt that), still weakest point is keyhole.
    watto_cobra

  • New Mac mini has a slotted & removable SSD -- but don't expect upgrades

    YP101YP101
    shamino said:
    YP101 said:
    I don't think user upgradeable for storage anyway. This was same for Mac Studio.
    Apple coded each storage for specific unit so user can't upgrade. Unless Apple change the way.
    Except that, as the hacker community discovered, if you use new (that is, never-been-written) flash chips, you can use Apple's Configurator 2 utility to initialize them and install macOS.  This will set up the cryptographic pairing.  You can't wipe used flash modules (e.g. to move storage from one Mac to another), but it does means that upgrades are possible.

    So far, we've just seen some people making bare circuit boards and you need the microsoldering skills necessary to attach new flash chips to those boards, but I think it's just a matter of time before someone starts selling boards with chips pre-installed.  So even if end-user upgrades won't be practical, I think we will soon see independent repair shops that can do it.
    Well, so far even OWC not selling mac studio storage unit. So it does not matter hacker group somehow pull that off or not.
    Where are you going to buy new unused storage unit from? China?
    Unless general consumer able to purchase the replacement parts from reputable retailer and install mac os on it, it does not mean much. It just possible. 

    After Apple start solder all their components, it reminds me as all Apple products has Apple timer. Like Sony timer. 
    Anyway, I'm already planed all my Apple product replace within 2-3 years with Apple trade in. There is no reason hold aged product anymore.
    2-3 years new cpu perform better and faster with update ports. 
    I checked my M1 mini with 8GB ram and 512GB trade in value is $300. I am going to buy it around black Friday sales.
    Alex_Vwatto_cobra

  • New Mac mini has a slotted & removable SSD -- but don't expect upgrades

    YP101YP101
    I don't think user upgradeable for storage anyway. This was same for Mac Studio.
    Apple coded each storage for specific unit so user can't upgrade. Unless Apple change the way.
    This is just for Apple service purpose. They realize replace storage unit is cheaper than replace mother board within warranty period and for the trade in unit.
    Simply replace storage unit and reinstall os to sell higher price.
    watto_cobra