Recent Comments

  • Bart Yee on Made for Duo apps - 'Of course, the above list will grow rapidly as Duo-mania hits every shore, city, and social media group. Haters decry all the hubbub, saying “it’s just a phone” “why do people even bother to line up for something in short supply?”, “lining up is so 20-teens, it’s easier to just have it delivered or wait” Haters also remain insanely jealous that Apple products engender this demand and desire behavior (outside of the reseller purchases for profit making) precisely because Android models don’t have nearly the interest and sales, passion yes, and mostly because there are few official stores to queue up at. When none of them except Huawei invest in major stores as focused gathering places, there’s no place for humans to have fun and enjoy a social event spontaneously created by users and fans, and supported by attention from the maker like Apple does. Secondly, like other population factions, when they don’t like something, they just dismiss it as marketing, sheep / herd behavior, juvenile behavior so as to make themselves feel better about why their own fandom and favorite makers can’t generate that kind of enthusiasm. Samsung even mocked it in ads. Well, after Apple smashes new Foldable release records, and then proceeds to outsell Samsung Fold 8’s and then Fold 8 AND Ultras combined (assuming Foxconn / Apple factory is humming), Apple could (but won’t, not their style) answer Samsung USA’s mocking ad campaign of: “Let us know when you’re done reheating our leftovers” and “We’ve been folding since 2019” With “We tossed your leftovers and stole your lunch money” and “hmm, “Folding since 2019”, ~25M total folds over 8 years to date, and Duo could sell over half of that in its first year.”'
  • Gregg Thurman on Apple soars to $348.22: A new record close - 'Taxes never take it all. My tax strategy is to make more than my tax obligation, much more.'
  • John Konopka on Gene Munster: The Duo lines are surprisingly long - 'I went to see it in the late afternoon. No lines. Easy to try one out. It feels really nice in the hand. The screen is beautiful. The “snap” you hear when it closes is really satisfying,. I found it just slightly disorienting, things are not where I expect them to be. I think if I got one I would adapt quickly.'
  • Stephen Gordon on Gene Munster: The Duo lines are surprisingly long - 'I’m went to see the Duo for myself, and I took to it right away. Next gen will be even better. The Apple Store employee told me a line started forming the night before, and everything sold out by morning.'
  • David Drinkwater on Fearing riots, 7 French Apple stores to close Saturday - 'This has unfortunate merit. Hence upvoted.'
  • David Drinkwater on 'I heard an audible crack, and the screen broke right along the hinge.' - 'As a semiconductor manufacturing engineer with a materials science background, I kinda geek out about this stuff. In manufacturing, you will have failures: this is inevitable. The question is how many failures per unit built. When you manufacture at what is called a Six Sigma level, you expect 3.4 failures per one million units produced. And you analyze each one of them. Depending on who your customer is, this can be quite cumbersome: a Japanese Automotive customer is much harder to satisfy than Joe Blow on the street. The paperwork to satisfy them is extremely intense. (No reference to Joe Bland implied or intended.) If your customer is media vultures who don’t even know what Six Sigma or Failure Analysis or Root Cause Corrective Action are, that path could also be muddy. Hopefully, in the main, Apple’s Stress Testing (also a Real Thing in Manufacturing Release to Production) will be sufficient, and failures will be genuinely rare. Time will tell. I won’t be giving up my current iPhone on Day One with the iPhone Duo.'
  • Robert Paul Leitao on Apple soars to $348.22: A new record close - 'David: Again, I’m not a licensed or registered agent so I’m sharing my thoughts as a non-professional investor. I believe the limit on a qualified transfer to a QLAC is $210,000 per person. For both my wife and me that total is $420,000. I have in the range of a decade before my compulsory RMDs begin and my wife has a much longer timeline. What I’m striving to do is plan now for a decade from now for what will be compulsory RMD withdrawals that might last for decades. That $210,000 invested properly now times 2 might and invested separately and within a tax-deferred instrument over the next 20 and nearly 30 years might keep several million dollars combined from being subject to the RMD calculations 10, 20 and 30 years from now. Every little bit counts! I expect the limits on estates for tax-free transfers to collapse from the current $15 million to something much lower within ten years and I expect the return of the top tax rates to 50% or more (perhaps as high as the 70% range during the Carter years) within the same time window. So I’m planning to deploy assets now to protect the assets for the next few generations. Again, I’m not a professional and I’m not giving advice or promoting any products. Specifically for us Boomers and GenXers, I suggest at least looking at the benefits of long-term care insurance. The costs of care are ballooning and Medicare doesn’t cover long-term care and the costs of private care are very, very high. In my view, asset and tax protection strategies should be considered now and before any hefty tax and regulatory changes are put in place.'
  • Joseph Bland on Fearing riots, 7 French Apple stores to close Saturday - 'hi, Gregg, I think you meant: “The tax cuts only raise our national [debt] and widen the wage gap.” …which the middle class will end up paying….'
  • David Emery on Apple soars to $348.22: A new record close - 'I’ve heard of QLAC, but I don’t understand the benefits when you have more than a couple million in retirement accounts.'
  • Robert Paul Leitao on Apple soars to $348.22: A new record close - 'Disclaimer: I’m not a CPA or a registered financial advisor. I am not endorsing, selling or recommending any products or strategies. I am, however, appreciating the conversation in this topic as we discuss tax and investment strategies.

As Apple reaches a $5 trillion market cap, I’m looking at a QLAC to reduce some of the long-term RMD risk through a transfer from a qualified plan. There’s no one of any merit or credible standing that I know that isn’t expecting income tax rates to rise significantly in the years ahead. Consequently I’m choosing to deploy whole life insurance as a means to create a fixed-income-style component to our assets that will have beneficial tax advantages in the years ahead and funded by both tax advantaged vehicles and proceeds from stock sales at preferential long-term capital gains rates. Those policies will pay out with no tax implications for beneficiaries. Additionally, for our children, our children’s children, and our children’s children’s children, we are seriously considering an ILIT (Irrevocable Life Insurance Trust) also known as the Rockefeller Method. There are, of course, some restrictions on an irrevocable trust, but it moves assets out of consideration of estate limits for tax-free transfers to successive generations and provides for an orderly and continuing benefit for heirs. My goal is to encounter many of our children’s children’s children (or at least a few of them!) and to provide for their success in life. This is our desired approach as opposed to annual gifts. However, we are open to funding 529 accounts at this time.'
  • Gregg Thurman on Fearing riots, 7 French Apple stores to close Saturday - 'France was one of the biggest offenders of its NATO obligations, then using the savings to fund its social programs. Now they’re scared as hell because of Putins aggressive posturing against NATO members, and Trumps refusal to keep supporting Ukraine and NATO. I think it’s telling that the NATO countries that had been members of the Warsaw Pact, are spending more for their own defense than is required. The French people aren’t aware of how the French government could afford all those freebies. All they know is that increased military spending is cutting into their previously “free” programs. Our government has been doing something similar. We spend like drunken sailors for both guns and butter, but rationalize tax cuts on the mistaken belief that lower taxes (especially on higher earners) will stimulate the economy enough to offset the tax cuts. No. The tax cuts only raise our national and widen the wage gap.'
  • Darren DMW on Fearing riots, 7 French Apple stores to close Saturday - 'iPhones broken down for parts are still valuable. See the iPhone theft epidemic in London.'
  • Rodney Avilla on Fearing riots, 7 French Apple stores to close Saturday - 'When you give people a free lunch, and convince them that they deserve the free lunch, it’s only a matter of time before they want a bigger free lunch.'
  • Brian M MacManus on 'I heard an audible crack, and the screen broke right along the hinge.' - 'David, let’s hope that is the case, and I am not seeing any similar comments online, nor YouTube… Regards, Brian M'
  • David Emery on 'I heard an audible crack, and the screen broke right along the hinge.' - '“You’re folding it wrong” ??? 😉'
  • John Konopka on Gene Munster: The Duo lines are surprisingly long - 'A side benefit of the novelty of the Duo is that millions of people will head to the local Apple Store (like me) just to see the Duo. While there, they will make a lot other purchases like straps, cables, iPads, etc.'
  • Bill Haymaker on Fearing riots, 7 French Apple stores to close Saturday - 'I’m a little surprised that the NFL is going ahead with it’s Sunday game there.'
  • Rodney Avilla on 'I heard an audible crack, and the screen broke right along the hinge.' - 'The last paragraph was not reported completely. It really said- “ The user said that the Apple Store replaced their phone with “a brand-new one on the spot, and then I ran as fast as I could to the Verge.” Seriously, the problem was obvious to me immediately. Ms. Stern opened and closed the Duo 32,000 times. This guy only did it 20 times. He obviously did not break it in properly.'
  • Gregg Thurman on 'I heard an audible crack, and the screen broke right along the hinge.' - 'I’m confident that media scientists, like Gurman et al, will be in the press tomorrow decrying Apple’s quality control, and claiming Apple is doomed, ignoring all the problems that Samsung has had with their foldables over the past 9+ years'
  • John Konopka on 'I heard an audible crack, and the screen broke right along the hinge.' - 'As expected. This is a new design and they are making millions of them. I’m sure Apple will recover these few failures and the engineers in Cupertino will inspect them atom-by-atom to find out what went wrong and fix the problem. Making one item that works well is an art project. Making millions of items that work properly is great engineering. I’m only half joking about atom-by-atom inspection. The latest CS corrected 200kV STEMs have a resolution of about 50 picometers making individual atoms visible. I’ve heard rumors that Apple has dozens and dozens of SEMs. It would not be a surprise that they have a few of these amazing tools. Apple is not unique in this. Most large tech companies in the Bay Area have lots of these tools. I’m paraphrasing, at a scientific conference I attended this summer in the plenary talk I saw a slide claiming that the three greatest inventions of mankind are fire, the wheel and microscopy. 🙂'
  • Hap Allen on Apple soars to $348.22: A new record close - 'Gifts of stock are considered to be “non-cash” gifts. As I understand it, you can only use them for deductions up to 30% of your AGI. Any unused amounts can be carried over for five years; they expire after that. Please verify for yourself.'
  • Brent Maynard on Daniel Ives flew to the Big Apple for the Duo launch - 'As developers update their apps to work with the Duo, and make the single screen/dual screen canvas more functional, a lot of the criticisms will wane. I hope the developers will respond especially with 10-14 users.'
  • Joseph Bland on Gene Munster: The Duo lines are surprisingly long - 'A few bad “Apples” are inevitable, especially on something as complex as this. I’m sure it will be used to attempt to ding Apple. It would be far more surprising if it wasn’t.'
  • Joseph Bland on Gene Munster: The Duo lines are surprisingly long - 'Morning, Gregg. Self-cannibalizing is old hat to Apple. Think iPod when iPhone came out. No worries, mate (in my best Australian accent). BTW, did you read that iPads have now seen a renaissance?'
  • David Emery on Gene Munster: The Duo lines are surprisingly long - 'The Gruber review highlighted a lot of potential user gotchas and potential annoyances.'
  • Steven Philips on Gene Munster: The Duo lines are surprisingly long - 'As I posted earlier, this was my concern. That in use – rather than in a review – there would be user disenchantment (or glitches) that could lead to slowing sales. Fingers crossed!'
  • Steven Philips on Daniel Ives flew to the Big Apple for the Duo launch - 'Looking at the various reviews out so far, my concern is that after the first purchasers have used them for a few months they become disenchanted. Negative user reviews could dampen sales. I remember the Apple Cube. I really hope they get a revised version out quickly. The Duo Duo?'
  • Bart Yee on Gene Munster: The Duo lines are surprisingly long - 'Unfortunately, some display failures are already showing up within first 10 hours of ownership in Australia already, right side of inner display from center hinge area outward (white bar) around the same place about 35%-40% from bottom. If consistent, Apple will need to make adjustments to assembly or hinge, and Foxconn and Samsung are gonna hear about it. Dunno if it’s in one of the layers or a hinge issue, they said while showing it to friends, they heard an audible crack, suggesting the supporting ultra thin glass area failed for some reason. Immediate replacements by local Apple Stores and likely express sent directly to Apple for analysis. Below has story and links to X and others with owners pics of failures and comments. Press is going to have a field day with this. Hope it isn’t a repeat of Samsung’s first gen foldable. Wonder if it will be isolated to this batch sent to Australia and what build dates? https://www.theverge.com/tech/1017623/iphone-duo-broken-cracked-screen'
  • Bart Yee on Gene Munster: The Duo lines are surprisingly long - 'Gross margins for the two upper memory configurations is said to be ~55%, I don’t believe it to be that high for the base 256 or 512gb models, probably more like 38%, and 45%. The CNBC reporter that said that said Counterpoint had told her those stats, looking and waiting for Counterpoint to publish that statement.'
  • Steven Philips on iPhone Duo draws queues around the world - 'On your fingers! Like G-O-O-D or E-V-I-L! 🙂'