YP101

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YP101
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  • Apple now offers parts and self-repair manuals for M4 Mac lineup

    YP101YP101
    Why bother to keep old machine. Apple products should be recycle every 3 years or so. 
    If you Mac conntect to UPS for irregular electric flucuation, within 3 years there should be no problem.
    Every 3 years Mac mini upgrade should give you 20-35% CPU bump. Perhapes Apple might bump SSD size to 512GB as base model.
    I replace my M1 mini to M4 and Apple trade in pay me $300. So I pay only $299 for base model.
    williamlondon

  • 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