dee_dee

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dee_dee
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  • Allegations of discrimination spawn investigation into Apple Card credit lines

    dee_deedee_dee
    For someone as smart as DHH, he sure can be an idiot. He makes millions of dollars a year, his wife makes nothing (typical).  Credit card companies don’t care what sec you are.  They just want to lend you as much money as possible without risk of losing it. 
    cat52randominternetperson

  • New Apple Card feature offers users no-interest iPhone installment plan

    dee_deedee_dee
    sirozha said:
    Who will be paying for it? If Apple sells a $800 phone and gets paid 1/24 of the total price per month, they won’t bag the entire price until after 2 years. This will take more than two years to ramp up until Apple starts collecting the same amount per month as they would if they sold the iPhone outright. 

    I don’t know if this can be considered a sign of strength. From the automotive perspective, when a company does 0% financing, its usually a sign of weakness via-a-vis consumer demand for the cars. When there’s strong demand, automotive manufacturers usually don’t offer 0% interest deals. 

    Apple is basically lending money to their customers for free, which is not something that any manufacturer would ever do unless they are expecting sagging demand for their product. The 0% financing is a way to stimulate demand. Apple pays to manufacture the iPhone upfront, but doesn’t get to recoup its costs for over a year and doesn’t make all the profit until after two years. 

    The more I think of that, the more I see this as a desperate measure to prop up sales. This is also a way to push the premium product downmarket to the people who would not normally consider expensive toys like these and try to squeeze the profits out of them using this zero interest rate trick. 

    Why wouldn’t most people take advantage of this deal? Even if I have a grand or more to blow on a new Apple iPhone, why would I not instead pay Apple a little per month? I don’t get any benefit for paying for the iPhone outright anymore. I won’t get punished for financing the phone. 

    But what happens if people take this deal in masses? This could result in a huge hit to the bottom line in the first two years. 
    Apple already uses subscription base accounting for all iPhones and recognizes revenue over a 2 year period due to the fact that they offer free software updates over the life of the phone.  They started doing this back in 2009 or so.   

    You are correct that this is a sign of stalled demand. Everyone knows that The iPhone has peaked.  They are now using sales incentives like this combined with higher price points to make up for this but it’s not any kind of secret.  at least Apple is able to cut out the middle man as was mentioned.  
    chemengin1watto_cobra

  • Apple denied dismissal of 'unwieldy' dust filter class action lawsuit

    dee_deedee_dee
    sapnho said:
    I have this issue. Apple fixed it twice already but three months later after the last repair, I have dark spots in both bottom corners again. It's a real problem. Will have it fixed again before my Apple Care expires and then get a new iMac after that.
    We had the same problem.  Bought 12 iMacs here at work, 3 of them developed this issue.  No fix without replacing the display.  Not acceptable.  This is why I hate all in ones.
    chemengin1dysamoria

  • Promise debuts first internal hard drive sleds for new Mac Pro

    dee_deedee_dee
    sflocal said:
    fasterquieter said:
    May as well charge $1,000. Get into the swing of things.
    Another ignorant post.

    Configure another workstation with exactly the same hardware and and specs.  Come back when reality hits you in the head.
    Lighten up, I think he was referring to the $999 stand.  Regardless it was a funny joke.  I hope there's going to be an SSD option.
    dysamoria1STnTENDERBITSchemengin1

  • Huawei celebrates Nikkei iPhone Ban by posting 2019 greeting from an iPhone

    dee_deedee_dee
    avon b7 said:

    Those 'halo' features you mention are clearly having the desired effect. Apple is going to be behind in many areas for almost the entirety of 2019. Sales look to remain flat  for Apple while Huawei has set new records for itself with every flagship it released in 2018, shifting almost 50,000,000 more units than in 2017.


    Huawei's 2019 looks far more uncertain than Apple's:

    a) Carriers around the world are abandoning plans to use Huawei for 5G networks
    b) Bad press from the criminal charges levied agains CFO Meng Wanzhou, could hamper sales in North America
    c) If Huawei is found in violation of Iran sanction like ZTE was, they could be banned from using US technology.  At the very least they will be looking at Billions in fines and change of board of directors.
    d) Trump is looking at issuing an executive order, banning Huawei and ZTE equipment from US. https://www.techradar.com/news/trump-considering-formal-us-ban-on-huawei-and-zte 
    e)  Huawei stock is down 50% for the year.  Not a good omen for a company that is supposed to "set new records" this year. https://www.google.com/search?q=SHE%3A+002502&oq=SHE%3A+002502&aqs=chrome..69i57j69i58.238j0j9&sourceid=chrome&ie=UTF-8
    cornchipronnwatto_cobra