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401k and Personal Finance advice and tips gadgets

Cheaper iPhone deals

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I’m talking about the unlocked iPhones. Because I don’t think the carrier promotions are “cheap” in the sense they usually make the money back from the monthly fees, and then more.

I can think of a few places, some are probably cheaper, but I am not 100% sure about the quality (especially the battery life for the refurbished iPhones). Below are the two places that I trust.

New iPhones at Apple, SE and 14 are two cheaper choices. Personally I think 15 or 16 are probably the better deals.

If one has the Chase sapphire or freedom credit cards and has some Ultimate Rewards (UR) points to spare, from time to time they have promotions for Apple products in the redemption center. It’s another way to get brand new iPhone. Note this may not be the most cost effective way to burn the UR points. But if they do promotion: it means 1 point is worth 1.25 cent during the redemption. If you travel, and could use the UR points, try to use the points there as 1 point is usually worth 2 cents or more there.

Personally I have used UR points for a few iPhones in last few years.

Refurbished

In the order of quality guarantee (top to bottom).

Refurbished iPhone at Apple: it seems they don’t have a lot of iPhones in stock now. Most are the larger or pro models (which are usually more expensive).

Other two places I am aware of refurbished iPhone: eBay and Amazon.

This somewhat reminds me of the preowned certified Toyotas I bought in year 2013 and year 2022.

Insurance

Do we need insurance? I usually insure it by myself (you may read this post if you have some time). Personally if I need insurance: I would buy from Apple instead of the carrier.

But this again reminds me of the one time I bought the “extended warranty” for my 2012 Toyota Sienna (preowned certified) from the dealer. Most of those are not necessary. In the case of iPhone, no pun intended, buy a good case from Amazon is probably the only insurance you need.

Comparing iPad Air and regular iPad – Update 01-04-2025

deals (dealsea iPad) – I end up bought the 11-inch iPad Air from Amazon. It should come in about 10 days and I plan to use it for Kindle, Apple Intelligence etc.

Reddit – iPad Air vs iPad

Google – iPad Air vs iPad

Apple – Compare iPad Models

Categories
Economy

Apple is the good guy in terms of containing the inflation

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Yesterday, with the launch of Apple’s new iPhone 15, some people noticed that Apple released a new USB C to lightning adapter. And, it’s going to cost $29 dollars. Such a rip-off 🙂

USB C to Lightning adapter

However, few people touted that Apple kept the iPhone 15 price the same as iPhone 14, while at the same time slashing the iPhone 14 price. See the chart at the beginning of the post. And yours truly ran two survey on the interest in buying iPhone 15 last week too.

09-06-2023 Survey
09-07-2023 Survey

We all know the Fed is printing money like a drunk sailor, and with the pandemic relief in 2020, etc., there is much more money lying around. And it’s the major factor that’s responsible for the US inflation.

Money printing by the US Fed

In some sense, the soaring housing price can be attributed to that. Below is a house in my neighborhood that just hit the market.

Full disclosure: I own a few shares of Apple stock $AAPL as of now 09-13-2023

Categories
Life Life Tips

Loss from Theft

Reading Time: 3 minutes

Agent brown is the name my girls gave to the AirTag I used to attached to the car key (it has a brown holder) and later my older daughter attached it to her brown wallet. We lost agent brown. Saturday, to be more precise, 8/19 evening, at about 6:42 pm I got a text message when I was driving my girls to the premium outlet. The text message is from Amex, and it said “fraud alert” and someone tries to use S8’s Gold Card at a place called “City Gear” for about $280 worth of merchandise. The store declined it and thus the text alert from Amex.

Basically an hour ago my 13 year old lost her purse at the J Creve Coeur girls locker room. She said there is no lock but I cannot verify. We didn’t know then, until the thief started to use the Amex card in her purse and thus triggered the alert from the credit card company.

We were already very close to the Premium Outlet. And I started to call Amex shortly after I get there. To make the card is marked as lost, and also found out two pending transactions at QT. Those 2 transactions will be disputed. After we talked more, it appears someone took S8’s wallet from the girls (kiddos) locker room. S8 said the locker is not lockable. And because she put one of my airtags in her wallet, and I can see at one point the wallet location was at the City Gear (Gravois plaza, or City Gear, 3519 Bamberger Ave, St. Louis, MO 63116). I can even see the location of this person’s home (which I won’t post, I enabled the lost mode and the last location seems to be at someone’s home, at 7:08 pm), as well as QT location (which can be seen from the Amex website from the pending transaction).

A while later after we got home, we found there is even a text message with a time of 7:25 PM saying “I found your wallet” on S8’s phone (she left a number on the wallet).

After some discussions, we decided not to reply back to that text.

This whole episode seems added some excitement to an otherwise uneventful Saturday evening.

I recall when I was in college, my wallet was picked by a thief when I was at a crowded bus (I realized quickly after I got off the bus), another time my drawer in the dorm got broken into and money was lost. In the US, I recall when I was a graduate student, once I lost a digital camera which I left in my office.

I guess this can turn into a good lesson in safety and security (privacy) for our older daughter as the material loss is fairly small.

Peace of Mind

A side note of all this is the Amex and Apple AirTags seem both gave us peace of mind, they provided more transparency than a traditional wallet loss (such as my loss when I was in college in Wuhan). At the same time, I don’t too much curiosity is a good thing. || (update 08-21-2023) it appears the two fraudulent transactions at QT got posted, I opened dispute in the Amex website.

PS be vigilant: I recall when I was working for the credit card company, on the loyalty and rewards platform, I was tasked to investigate the “fraudulent redemptions for airline tickets and hotel reservations”. It appears the thief (or thieves) got hold of the victim’s personal email and password: the same email and password are used in the rewards redemption website which was operated by the credit card co. Let’s just say the email provider is Yahoo. So from the victim’s point of view, it’s really not a good security practice. At the time though, it was also the 1st time I encountered a sophisticated thief like that and I started to doubt the “evilness” of some criminals. My daughter is 13 and was more thinking about the “goodness” of the people, e.g., she would try to find an excuse why someone would steal her wallet (maybe someone needs the money for food). I don’t know, I would not say she was “woke”. But at the same time, I think we should all be vigilant.

PS 2: handle of loss. 旧的不去,新的不来 (Out with the old, in with the new)。I understand many people want things back, and my daughter is no exception. Recently I started to realized and reconfirm sometimes we just have too much junk (which I discussed below). As a parent I am certainly quite protective of my kids’ feeling got hurt etc. But again we live in a real world. And this sort of thing does happen.

Material Things

A bit relevant topic, from my recent article selling on eBay, one of the themes I want to emphasize is material things are not as important as people, and peace of mind. And I think I agree with this TedX talk Life is easy. Why do we make it so hard? | Jon Jandai | TEDxDoiSuthep

(Update 08-22-2023) Dick’s shares fall 24% as retailer slashes outlook over theft concerns

Categories
iPhone app

Steve Jobs

Reading Time: < 1 minuteStanford commencement speech (2005)

Macintosh 1984 commercial

Steve Jobs and Bill Gates in 1983 Apple event

My other post on Steve Jobs.

Walt Mossberg on Steve Jobs.

Categories
gadgets

iPad: funky name cool stuff?

Reading Time: < 1 minuteThere are already a lot of talks about iPad now that Steve Jobs showed off his latest toy. The name is funky because “pad” has a lot of meaning, and there are people already making fun of that, such as this video at Youtube.

But seriously, boy, this is cutting edge stuff in terms of technology. Apple has a video on its own web site, which explains the functionality and features very well. It’s more like a builder’s explainations of why the house is beautiful. Obviously, this new toy launch won’t be complete without the blessing of the chief creator: Steve Jobs.

(Source: cnet video from Youtube)

Categories
Life Life Tips

A tragedy related to iPhone

Reading Time: 2 minutes(CNET) Chinese authorities probe iPhone worker’s death

(PCWorld) iPhone Suicide Case Spotlights Tech’s Dark Side

Apparently many foreign media can not understand why a guy will jump off the building just because the iPhone he was in charge went missing? Well, it appears to me there are two factors:

1) It’s very very hard to get a good job for new graduates in China these days. Thus they join Foxconn, the “sweater shop” if you will. Not much rights once you join that shop. I suggest my western friends go there once and get some real world experience on sweater shop before express their views.

2) He was tortured. Again remember Foxconn is a “sweater shop” happens making iPhone.

Categories
gadgets

iPhone is two years old

Reading Time: 2 minutesNot exactly, but close enough (here is a post I wrote on June 29, 2007 when iPhone started). Today the new iPhone 3G S is on sale at AT&T store, as I understood. This time iPhone did not generate as much buzz, but I heard my favorite tech writer Walt Mossberg was also standing in line (he already has a free iPhone from Apple for review, maybe he is buying another one for his wife/girl friend). Here is his tweets:

“Just gave up on iPhone line. Have to get to work. Should have ordered online. But scored a free bottle of water.”

Categories
Master Series

Steve Jobs, Apple, Bill Gates, Microsoft

Reading Time: < 1 minuteBackground
Couple days ago the Apple stock got a hit not just becaues of the soft earning guidance, the more important reason is the company declined to answer the health question of its co-founder and CEO Steve Jobs in the earning call.

You tube videos
Great Artists Steal – Triumph of the Nerds – Revised (very short)

Categories
China earning

Apple launches store in Beijing, earning

Reading Time: 2 minutesApple launched its first China store in Beijing last Saturday, with 2000 fans waiting outside, including some celebrity names such as Lu Yu (Phoenix TV), Cui Jian (China rock star) etc. You can see the scenes of Apple launch at Sina (Chinese), or preview pictures at David Feng. The Sina picture reminds me of the iPhone launch here in the US, a mob scene 🙂

The cult culture
Over the years Apple has this cult like culture among its fans. Looking at site such as MacRumors you will get an idea. While I think Apple products are generally very good, I don’t like their prices. It seems they are going to lower their prices, as they are expanding their market. This is a delicate problem for Apple because people usually got wooed to Apple because of its unique design, cool brand, and thus get the “being cool” status from friends. Now if Apple is everywhere, like iPod did, it loses that status. But Apple is going to pursue this route anyway, under the pressure from Wall Street. This can be shown in its earning forecast for next quarter.

Earning

Categories
gadgets

iPhone effect: II

Reading Time: < 1 minuteThis Friday will be another big day for the Apple fans, the 3G iPhone will be unveiled globally. The past weekend I stopped by the local Apple store, I have not been to there for 6 months so my impression maybe more genuine. Besides the iPod touch (iPhone was absent), I found some of the sales associates are incredibly young, they look like high school kids. This reminds me many high school kids carrying MacBooks at the county library. So in a word, Apple was doing peer to peer marketing here?

What’s the use for iPhone?
I saw this question posted in Trader1688. Don’t laugh, this is a legimate question. My initial thought is the usual stuff such as MP3/video playback, web browsing, GPS,…as desribed in its offical web page.