• 0 Posts
  • 102 Comments
Joined 1 year ago
cake
Cake day: June 23rd, 2023

help-circle


  • I think there’s a middle ground there, though it depends on the kind of game. Something like a first person shooter is a non-starter on iPhone to me due to the smaller display and touchscreen controls. Something like a turn based strategy I like better on mobile because being able to tap through commands and menus is nicer than a controller to me. Maybe also a stronger push for some of the games to have cross platform saves, like being able to play on my Apple TV at home, but also do some grinding a few minutes at a time while I’m out.

    Really, I think Apple TV is where the real gaming potential is. It might not match consoles in power, but it’s also in a lot of households that might not have bought a console but will buy a couple good games on Apple TV.


  • My wife wanted to upgrade so we both got new Series 9 this year. Her Series 3 went to her mom as an upgrade to a Fitbit, and I figure I’ll keep wearing mine at work until it gets smashed or otherwise dies. All of our Macs are well past macOS support, but no real plans to upgrade until an old one actually dies, or some killer feature prompts an upgrade.




  • There’s also methods to potentially shelter some of that too. If a person has RRSP room and doesn’t actually need the whole amount available you can use that to delay paying the tax and hopefully reduce the rate paid. You can also make some investments within a TFSA, which means no taxes owed on the growth. Both of those options have caps on contributions so they’re a great for low-moderate income earners to minimize their taxes, while higher income earners can only shelter a portion of their income.


  • That’s the argument, but it doesn’t really hold water to me. That would lead to an environment where those with little capital get taxed on their entire income, making it hard to save more capital. Those that already have lots of capital could then leverage that capital to generate a tax-free(or limited tax) income, which seems like exactly what we’re trying to avoid. We do have TFSAs which do allow us to grow our assets tax free, and they’re limited to prevent those with excessive capital from dodging their entire tax burden.

    To some extent, you might want it the other way around, those providing labour and covering basic living expenses should pay limited taxes(which is kind of how things work now when you consider the basic exemptions, GST rebates, child tax benefits, etc.) while those who have essentially a passive income should pay a higher rate. The argument for the current capital gains taxation is that you want to encourage people to invest in things like a business that grows the economy, rather than purely financial vehicles like bonds and loans that mostly just concentrate wealth without contributing to a healthy economy.


  • I like the cut of your jib. Some of the most vocal complaints are things like someone holding a cabin or other piece of land for an extended time, and then having to claim the gains in a single year. Especially in cases like an inherited cabin that’s held for 30 years then passed to next of kin so a particular owner never actually paid or was paid for the property, but probably did spend as much on maintenance over that time as their assessed gains. Spreading those gains across multiple tax years that have already been assessed would seem fair(letting them claim the gains at a lower marginal rate by spreading it over multiple years) though administratively difficult. I would also like the idea of putting in a lifetime exemption around the $250 k range which would make a big difference for those who might only ever pay capital gains due to that one property, but not really affect those who make most of their income as capital gains.




  • On the other hand, console generations often provide a hard cut-off for compatibility. You can’t always use previous gen accessories with a new console, and those accessories are usually only comparable with that console. I can’t play my Wii games on my switch, nor use the controllers and other accessories. This is kind of inherent to consoles in that they’re meant to be a consistent platform that allows developers to maximize performance by knowing that each console is going to be pretty much the same. With iOS though the software evolved from the idea of desktop software that runs on a variety of devices. Developers develop with the idea that their software will be used on devices with differing hardware and performance. It’s a completely different paradigm. With computers, people expect that the one they buy this year will be better than the one available last year, but they also don’t feel the need to buy every revision(aside specific performance heavy use cases), they decide on their own replacement schedule. That’s the paradigm that the iPhone came from, regular iterations, occasional major revisions, and long term support/backwards compatibility with previous models and accessories.


  • I feel like that’s a bad example as consoles tend to be household items rather than individual ones. Regular releases mean that people can choose their upgrade schedule and always have a recently released product available. Good example is cars, manufacturers release a new version of each model every year, but the differences are fairly minor. Then every 5-10 years they do a major revision to the model that’s a significant change. This way most people don’t feel put off when they buy a 2-3 year old model and a revision come out the following year, but a person can buy a new model after 5-10 years and feel like they got a significant upgrade from the previous one.


  • Apple does have a setting for regular, automatic, local backups. Though I wish they could do that while also automatically backing up to iCloud. My iCloud backup is under 5 but that’s partly because lots of stuff is already stored in iCloud. I think the real issue for a lot of people is when they have multiple devices, like work and personal phones and/or iPad or two, that all want to backup to that 5 GB. I always thought a compromise like the first 5 GB of a devices iCloud backup doesn’t count towards the iCloud storage. This solves the multiple device backups issue and still keeps a modest base amount of storage so people with just one device still have an incentive to purchase additional storage.


  • I use the iCloud Photo Library, and seems worthwhile to me, though my photo library isn’t huge and has lots of stupid work pics. Frees up my phone storage, still have access anywhere I’ve got internet access. Big thing to me though is backups, iCloud is my really essential data, e-mails, contacts, family photos. That gets automatically synced up to iCloud, back down to my iMac, and that iMac gets backed up to my UnRaid server and a Time Capsule. So without any input from me, all my photos get backed up independently, with redundancy and versioning as well as to the cloud. That’s a pretty neat system to me.


  • Sure, the occasional customer gets into a cycle for credit card debt and ends up paying big interest. That’s not where credit card companies make their money though. There’s a fee for the merchant to process each transaction, that’s the main revenue source. Then if we’re talking about a store card, they get the ability to track your purchases everywhere you use that card, and use that info to do better marketing, merchandising, and just generally get better at selling people stuff. It’s nice to make a buck when people buy things from your store, but it’s even nicer if you can make a buck when people shop elsewhere too.


  • Common to get a big discount on the first purchase. That way it looks something like “just take 5 minutes to sign up here and you’ll get $30 off your purchase today”. I feel bad for the staff that have to push it, which gets me frustrated because I just want to buy my things and go, so I end up being rude to them.

    I think part of the solution is to add some regulation that say that you should be able to close the account in the same way you open it. Let me sign up, get the $30 discount, pay the bill, close the account, and have them delete my personal information so I can do it over again next time. Few people doing that and it won’t be worth the effort for business to process everything.



  • There’s going to be some variance depending on how a person tends to listen to their music. I think the decline of CDs correlates pretty well with digital options being available, and people making the switch. There’s always going to be people at the head of the pack using the new thing and people that want to save costs by keeping what they’ve got. The accessory market affects that too, there was overlap when people would have portable digital music players, but still use optical disks for their home stereo and vehicles. But as manufacturers came out with solutions like iPod docks or Bluetooth streaming the digital devices were able to push out the physical media.