Last Active
  • Allegations of discrimination spawn investigation into Apple Card credit lines

    larryjw said:
    The issue I raised to myself as I was requesting the Apple Card:

    First, don't know the information credit agencies get. I'm pretty sure they don't get any tax information, or have any idea of our net worth. I'm not sure they have access to investment accounts. 

    In any case, except for a few special accounts, my wife and I have joint accounts. 

    So, when credit worthiness is determined, they are determining that decision based on our joint financial interests. I got the Apple Card. 

    Now, if my wife requests the Apple Card, they cannot determine her credit worthiness independent from the determination of our credit worthiness when I signed up, otherwise they would be, in some sense, doubling the estimate of our credit worthiness. 

    Because the Apple Card account is not issued to spouses jointly, it makes sense that the first to get the Apple Card, gets the max, while the second spouse might get denied or a minimal limit. 

    The solution for Apple-GS is to tie both cards together into one account by default. 
    That is actually a good point. If they know you are married, and one person already has a card, it wouldn't make sense for the second party to have the same spending limit if the first spending limit was based on household income. 

    Regardless, the ruby' persons' argument lacks merit without far more information. My step father and mother were both making about $150, 000 a year and both had several million in the bank. My step father went to finance a car, and he didn't get that good of a rate because previously he had paid everything in cash so he didn't have a credit history. 
  • Samsung launches Galaxy Fold with new materials, tweaked design

    In a clear case of user error, some reviewers attempted to remove a protective screen layer thinking it was a screen protector, causing the sensitive flexible panel below to malfunction.

    Apparently it wasn’t that clear.
  • Editorial: Apple's Q319 earnings destroy a mountain of fake data and false reporting

    Honestly I think the only place where people need to eat crow is with the Watch which has become a big hit. 75% of sales this quarter were to new Watch owners. That’s fantastic.
    I think the tech media has a plate piled high with crow when it comes to Mac laptop numbers. The endless negativity about Apple's design choices harming the product look like they're about as accurate as Bloomberg's spy chip hype.
    The Mac negativity isn’t really coming from the’s coming from Mac enthusiasts and some tech writers.
    You obviously don't encounter the Wall Street Journal or Bloomberg. 
  • Editorial: Apple's Q319 earnings destroy a mountain of fake data and false reporting

    avon b7 said:
    slurpy said:
    Kif Leswing of CNBC similarly stated that "Apple reiterated to me today that the vast majority of MacBook customers are happy and haven't had issues with the keyboard," but felt compelled to remark that "but to me, anecdotally, it feels like it's happening to everyone." "Everyone", meaning attention-whoring Youtubers and clickbait headlines. Anecdotally, not a single person I know has had KB issues with their 2016+ Macbooks.
    I was checking out MBP/Air options on Amazon prime day. In the end we rejected all of them as we have no faith in the keyboard and what it represents (top case, keyboard and battery are interconnected.

    I don't know anybody that hasn't had problems with them (although no outright failures yet) and didn't want to find myself in that supposed small percentage of users who do have problems requiring a repair. So far, these people are using thin strip's of paper to dislodge particles.

    The repair extension program is a step in the right but repairing would mean downtime that I don't fancy.

    As I am in no rush to upgrade I decided to wait it until new designs appear.
    I have had one for about six months. In truth, I prefer a heavier key like the older Mac Books, but these keys have worked just fine. and probably allow me to type faster once I became accustomed to them.  

    The reality is if Apple truly was having a significant repair problem with the keyboards, they would have redesigned them a long time ago. Apple knows better than anyone when it has a problem with repairs.

    If anything Apple extended the warranty to appease people worried about the keyboards due to reporting. 
  • Editorial: Apple's Q319 earnings destroy a mountain of fake data and false reporting

    avon b7 said:
    Stopped reading after this:

    "Cook didn't even mention the millions of Huawei Androids that were diverted from Western markets to the domestic Chinese market in a desperate rash of discounting promotions this year. That's pretty clearly because Huawei's phones are not being sold to iPhone users, despite the constant insistence that Huawei is somehow pushing Apple out of business in China, when clearly that's not the case. "

    Please provide supporting links to back this claim up.

    As for the supposed claim by certain watchers that Apple wouldn't be able to shift X series phones, why did Apple pay a 'penalty' clause to Samsung for not reaching the contracted orders for displays?

    Clearly someone got their estimates very, very wrong.
    Talk about hypocrisy. Please provide something other than rumor that Apple paid Samsung a penalty clause. Where is a Samsung or Apple statement or Apple financial record that support that rumor? Don't give me an android central link. 

    Even if true, the rumor concerns OLED displays not LCD displays. It is quite possible that Apple over estimated the more expensive iPhone XS sales that have OLED displays, but under estimated the less expensive iPhone XS sales which don't use OLED displays. So if accurate, Apple could sell less XSs than thought thereby owing Samsung a penalty, but selling way more XRs then thought resulting in a net gain for Apple.