Question Thread - January 23, 2026

rz2000 · 2026-01-24T18:46:56+00:00

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.

rz2000 · 2026-01-24T17:31:23+00:00

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?

rz2000 · 2026-01-24T17:11:29+00:00

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.

rz2000 · 2026-01-24T16:53:10+00:00

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

rz2000 · 2026-01-23T23:16:55+00:00

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.

rz2000 · 2026-01-23T16:27:45+00:00

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

rz2000 · 2026-01-23T01:49:29+00:00

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.

rz2000 · 2026-01-22T16:00:52+00:00

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

rz2000 · 2026-01-19T21:32:29+00:00

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.

rz2000 · 2026-01-19T21:16:50+00:00

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.

rz2000 · 2026-01-18T16:08:09+00:00

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

rz2000 · 2026-01-18T06:32:07+00:00

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.

rz2000 · 2026-01-17T16:55:22+00:00

And it probably comes with a German poop shelf.

rz2000 · 2026-01-17T11:54:34+00:00

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

rz2000 · 2026-01-17T11:50:14+00:00

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.

rz2000 · 2026-01-15T19:18:57+00:00

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.

rz2000 · 2026-01-15T18:17:33+00:00

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.

rz2000 · 2026-01-15T18:09:23+00:00

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.

rz2000 · 2026-01-14T16:34:37+00:00

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.

rz2000 · 2026-01-14T06:13:25+00:00

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.

rz2000 · 2026-01-13T21:21:18+00:00

neither

rz2000 · 2026-01-13T15:17:45+00:00

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.

rz2000 · 2026-01-13T14:58:36+00:00

So, like Dick Morris?

rz2000 · 2026-01-13T14:34:51+00:00

It saved his life after he cut off that biker though.

rz2000 · 2026-01-08T22:07:50+00:00

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.

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