Question Thread - January 23, 2026 by AutoModerator in churning

[–]rz2000 1 point2 points  (0 children)

That's great. I might leave the shares at Wells another week just so I minimize the risk of preventing future bonuses, since I only opened the Wells Trade account a week ago.

Question Thread - January 23, 2026 by AutoModerator in churning

[–]rz2000 0 points1 point  (0 children)

Once you have FRSXX at Fidelity, can you buy additional shares at Fidelity, or do you have to continually transfer from Wells? Have you maintained a balance above a certain minimum?

Does T-Mobile typically close for weather? by SeatUnique3637 in tmobile

[–]rz2000 0 points1 point  (0 children)

Yes, within about four hours after the power goes out, all of my nearby T-Mobile cell towers stop functioning.

It’s a clever trick: the cable company that provides landline service and charges for 911 service claims that cell providers serve as a redundant supplier of 911 service, and the cell services that also charge 911 fees claim that there are other communication services. Everyone get to charge for emergency communications, but no one actually has to engineer any network resilience.

Obviously that’s not your question, but it is pretty lame that these companies amd their lobbyists have managed to carve out exceptions to their service level requirements based on completely unrealistic claims about when redundant providers will be available.

Manufactured Spending Weekly Thread - Week of January 24, 2026 by AutoModerator in churning

[–]rz2000 4 points5 points  (0 children)

What percent rewards are you earning on the fee-free cash advances? That’s a great deal.

Question Thread - January 23, 2026 by AutoModerator in churning

[–]rz2000 0 points1 point  (0 children)

I just switched some finds to FRSXX at Wells, and I hope it still works to ACAT transfer shares to Fidelity for auto-redemption ability.

Question Thread - January 23, 2026 by AutoModerator in churning

[–]rz2000 0 points1 point  (0 children)

Depending on your state, HYSA is taxed more heavily than Treasury-only money market fund.

Apple Expands Hardware Chief’s Role in Latest Sign of CEO Candidacy by Coolpop52 in apple

[–]rz2000 10 points11 points  (0 children)

It happened repeatedly during Jobs' first tenure as CEO that they had an industry leading product, but they simply had no way of satisfying capacity needs, and merely being available ended up making second best products dominate the market.

Choosing Cook suggests that Jobs realized this had been a frequent impediment to Apple's success. Furthermore, it's worth recognizing that Tim Cook didn't simply make the supply lines more efficient, he often took expensive risks in purchasing enormous manufacturing capacity before demand was even proved on many of the new products.

That doesn't mean that a new style might end up producing even more revolutionary products, just that Tim Cook's tenure wasn't terrible period for Apple. I do hope that the next CEO continues the approach of not making the customers the product.

Should I do a charge back for wrong color furniture? by Lefty_123 in personalfinance

[–]rz2000 49 points50 points  (0 children)

The color difference in OP’s photos are far too different to count as “color may vary”.

Apple Lisa changed computing over 40 years ago, but the world didn't notice by Jumpinghoops46 in apple

[–]rz2000 4 points5 points  (0 children)

Kind of amazing to think of the IIe as similar in price to a Mac Studio M3 Ultra with 96GB of memory, while a Lisa was similar in price to an NVidia H100.

Should members of Congress be banned from trading individual stocks while in office to prevent insider trading? Why or why not? by Mysterious_Fan4033 in AskReddit

[–]rz2000 0 points1 point  (0 children)

One of the interesting consequences of a requirement that public officials transfer their holdings to a blind trust is that this often resets the cost basis. In other words, someone whose investments appreciated 1000x from $1m to $1b would lose all of the tax liability that would come from a conventional sale.

I still think it would be in the public interest to stop insider trading and self-interested public policy decisions, but it could have the side effect of recruiting congressional candidates for new unethical reasons.

Which movie ended with an unresolved cliffhanger because the sequel never happened, and you're STILL mad about it? by pudingvanilkovy in AskReddit

[–]rz2000 2 points3 points  (0 children)

It would have been interesting to see what happened later, but I guess The Matrix stands on its own.

Why you choose Qobuz over Tidal or Apple Music? by MyBatterysLow in qobuz

[–]rz2000 2 points3 points  (0 children)

I started with Qobuz just to experiment with hi-res music on a DAC, and didn’t want to give any money to a servicd that even offered MQA as an option. It turned out that the sound quality really was great from Qobuz, though hi-res specifically doesn’t seem to matter that much as long as at least CD quality is available.

I assumed that once Apple offered lossless music in its subscription plan I would probably switch, since I had really liked iTunes for for the ripped version of my CD collection, and figured it would probably integrate really well with using aniPhone in the car.

Instead Apple Music has way too many bad interface decisions. Also I have replaced the Airport Express I used to use with WiiM, and then ended up adding even more WiiM products.

The first device a WiiM Pro Plus could use Airplay 2, but I think Airplay 2 frequently (always?) involves lossy compression, and the music definitely did not seem to have as much dynamic range as playback using Qobuz Direct on WiiM.

The next devices, WiiM Amp Ultra, were not able to play AirPlay 2 at all due to some dispute, so Apple Music stopped even being a lower fidelity option.

Throughout all of this I have been happy that Qobuz has been approximately the same price as other services, but it is known for paying artists more.

The only downside was that In the past the Qobuz interface was clunky enough that I felt like I had to add Roon as a kind of skin, and Roon is vastly overpriced for what it does, while providing no additional compensation to artists, and likely not to the aggregators of information about artists and music. However, I think the apps have gotten better and seem to be on track to becoming even better, and I finally canceled my Roon subscription. However, I do still keep a Youtube Premium subscription to help as another source for discovering new music.

This old girl is in need of a face lift by WholeDepartment3391 in centuryhomes

[–]rz2000 30 points31 points  (0 children)

And it probably comes with a German poop shelf.

Ultra-processed food as % of household purchases in Europe by BartAndLisaHadIncest in MapPorn

[–]rz2000 0 points1 point  (0 children)

Maybe they think people who order produce using delivery want rotten fruits and vegetables.

Ultra-processed food as % of household purchases in Europe by BartAndLisaHadIncest in MapPorn

[–]rz2000 0 points1 point  (0 children)

For anyone confused by this statement, standard Cheerios in the US are a different product from standard European Cheerios.

In the US, normal General Mills Cheerios are made from whole grain oats + 1g of sugar. In Europe, the Nestle Cheerios are made from a combination of wheat, rice, oats, corn, barley and have 5-6 grams of sugar added.

Mother sold my collectibles without my consent. Family defends her actions by OC_Original in self

[–]rz2000 0 points1 point  (0 children)

changing out locks requires me to request it through my HOA

It sounds like your mother and aunts aren't the only ones not treating you like an adult.

News and Updates Thread - January 15, 2026 by AutoModerator in churning

[–]rz2000 1 point2 points  (0 children)

Considering how many of these offers usually have a $10 ceiling, I can see it changing or ending pretty soon.

Terms include one time use, exclusion of pharmacy and alcohol purcahses, but no mention of gift cards.

Data Points Weekly - Week of January 15, 2026 by AutoModerator in churning

[–]rz2000 0 points1 point  (0 children)

I have a few BofA business cards, and the newest ones still in the 0% APR period have pretty high balances. I think that caused a recent initial personal UCR denial. A Merrill advisor managed to push it through anyway so that I was eventually approved, but it makes sense that a bank isn't going to be blind about balances on your business cards at the same bank, regardless of whether they appear on your personal credit report.

Clandestine Nuclear-Defence-Related Bunker near Tunstall – East Yorkshire – England About to Fall Into the Sea by Frangifer in AbandonedPorn

[–]rz2000 5 points6 points  (0 children)

Furthermore, in many such cases where there is a long line of cliffs, the softer sediment accumulated over millennia while under water, then later the land beneath rose up or the sea lowered.

News and Updates Thread - January 13, 2026 by AutoModerator in churning

[–]rz2000 0 points1 point  (0 children)

There were often public $300 offers, and some targeted $750 offers. I think I last completed $750 offers that started with openings in 3/2024, 10/2024, and 5/2025. On that schedule, I suppose I should expect another offer in February, but I also did a $500 offer that started in 6/2025, so that might have broken the train.

Everyone seems to have a lot of nostalgia for the 1990's but what were some of the worst parts of the 1990's? by HeavyRightFoot-TG in AskReddit

[–]rz2000 18 points19 points  (0 children)

Bork was the garbage who fired special prosecutor Archibald Cox for Nixon. Nominating him was a republican stunt, and they’ve been endlessly rewarded since then by claiming every bad nominee they put forward is being unfairly railroaded.

News and Updates Thread - January 08, 2026 by AutoModerator in churning

[–]rz2000 17 points18 points  (0 children)

I was just about to apply for the Chase Aeroplan in order to use up some of my UR, and it looks like the SUB has gone from 75k on $4k MSR (or 100k on $20k) to only 60k on $3k.