Earlier quoted context omitted.
As of today 18.1 Apple Intelligence was released. I was running the Apple Intelligence beta for the last month.
18.1 has not been released, it will be released on Monday, October 28th and it will still not contain all the features they previewed (nor did the beta).
Goldman and Apple 'illegally sidestepped' obligations to credit-card customers
81–90 of 198 posts
Re: Goldman and Apple 'illegally sidestepped' obligations to credit-card customers
#82Source: CFPB Orders Apple and Goldman Sachs to Pay Over $89 Million for Apple Card Failures https://www.consumerfinance.gov/about-us/newsroom/cfpb-order... ( https://news.ycombinator.com/item?id=41926162 )
Cost of doing business.
Re: Goldman and Apple 'illegally sidestepped' obligations to credit-card customers
#83Earlier quoted context omitted.
I've used the service plenty of times now, and was never charged interest. I wonder what situations lead this to happen? I know one has to select the payment option when purchasing through Apple and not all items are eligible. Maybe people just assumed the payment plans would be automatically and didn't require selecting the option during checkout?
I believe if you fail to make the entire monthly payment by the end of the month you will be charged interest.
Re: Goldman and Apple 'illegally sidestepped' obligations to credit-card customers
#84Earlier quoted context omitted.
> iCloud storage notifications saying have to upgrade to $9.99 plan to continue to store my photos, videos and even worse if I wanted to continue getting my iCloud emails. What(?), as my Google Photos is still sucking/backing up all the same media (goes back to 2016) for free. LAME Apple especially threat of not getting my iCloud emails!!!! To my knowledge Google will do the same thing if you are running out of space…
THanks, just always have had good user experience in every way with Apple, so getting email notifications one after the other where they said you need to upgrade if you want us to continue backing your stuff up was mildly odd. Yet, in their first communication they didnt mention anything about not getting email yet they did in the third or so email which felt very anti-user to me. As for Apple Intelligence Ive been u…
Re: Goldman and Apple 'illegally sidestepped' obligations to credit-card customers
#85Earlier quoted context omitted.
> The cash back rewards is not, as far as I know, actually all that good in comparison to its competitors like American Express. There are definitely cards with better rewards, but few with such a straightforward and simple cash back program. Also, the rewards are not bad by any means. I also like the tight integration with the high yield savings account, which again is not the best rate possible, but makes up for it…
Most credit cards have the due date on the same day every month. You can also change it online to to another day of the month if that's something you care about. Personally I just set up autopay from a brokerage account and never think about when anything is due. Why would it matter?
Re: Goldman and Apple 'illegally sidestepped' obligations to credit-card customers
#86Earlier quoted context omitted.
My American Express savings account gets me an APY of 4.1%, so there's other options, but agree that it seems like either are the best rate I've found in the US.
Apple Savings is 4.1% as well
Re: Goldman and Apple 'illegally sidestepped' obligations to credit-card customers
#87Earlier quoted context omitted.
THanks, just always have had good user experience in every way with Apple, so getting email notifications one after the other where they said you need to upgrade if you want us to continue backing your stuff up was mildly odd. Yet, in their first communication they didnt mention anything about not getting email yet they did in the third or so email which felt very anti-user to me. As for Apple Intelligence Ive been u…
On the flip side, if Apple can keep most/all the processing on device, I'll accept a modest reduction in quality compared to ChatGPT. Admittedly I haven't tried Apple Intelligence yet so I don't know just how big the reduction in quality is.
Re: Goldman and Apple 'illegally sidestepped' obligations to credit-card customers
#88And that’s why people should not trust Apple Intelligence : the partnership with open ai and toward data security is a real risk.
So no different to using their website.
Re: Goldman and Apple 'illegally sidestepped' obligations to credit-card customers
#89Earlier quoted context omitted.
Apples constant push for subscription icloud data storage is predatory at best. The amount of users/clients I come across with devices way out of date re software/security patches because their iphones not got enough space on it to download its own update and it doesn't provide a easy way to transfer large chunks of data off it like photos/videos is ridiculous. Something like 50% of users easily. Sample size probably…
yeah the whole Apple Intelligence only available to 15 and 16 iPhone users is anti-user / juice profits move. The horrid thing is Apple Intelligence is not worth upgrading your device for and yet that's their marketing to get people to upgrade lol. As another commenter in this thread commented a comparable ChatGPT Siri is coming yet not for some months. Definitely would jump to another platform if the phone is an AI…
iPhone 14 has 6GB RAM. iPhone 15 Pro + 16 have 8GB RAM.
The LORA adapters need to be loaded into memory so seems reasonable they would need extra.
Re: Goldman and Apple 'illegally sidestepped' obligations to credit-card customers
#90Earlier quoted context omitted.
For some reason I think it will have been even more mundane. It is quite a long time ago, but Matt Levine wrote at the time that GS was (for whatever reason) desperate to get into consumer finance. They saw the market as an open opportunity, and paired up with Apple to get a foothold reaching well beyond their Marcus brand. [Still paraphrasing Levine.] As one would expect, that didn't go well. Goldman Sachs as a comp…
Marcus still exists in the US. I use them for my savings account. They don't have anything besides that that I know of (checking, brokerage). Current APY 4.1% so as good as you can find in a savings account here.