I spent one month in Patagonia this year. My Patagonia gear held up extremely well while trekking, climbing a mountain, and sleeping in tents and cars.
Yea, as much as it's easy to make fun of fashion conscious bankers wearing Patagonia as a status symbol, let's not forget that their products are also really good at what they're supposed to be used for.
You’re going to be matched with the person you married. Tinder is a little thing that that’s not even a flame... much more casual. Less commitment. More swipes.
Got stuck in the middle seat for a 14 hour flight to Asia. Put the GearVR on and was transported into a full empty row to myself https://www.instagram.com/p/BDkY2oqzLZV/. It was truly incredible. The 2D in VR experiences (movies, games displayed on a giant flat screen) are way under appreciated.
This is one of the only practical uses for everyday non-techie people I've been able to come up with for these phone-based VR systems (like GearVR). It could also apply to college kids living in small dorms and such. I can't see my mom buying anything like this and strapping it to her head while sitting contently in a huge suburban house. Then again, I never thought I'd see her using an iPad, iPhone and messing with a SmartTV at the same time...
I agree with you. The difference with the iPad and a smart TV is that they are comparable to "normal" activities (like reading a book, and watching TV). The interaction with the items hasn't changed, just the way it is presented and the control of it (eg the TV remote has more buttons now).
With this, it is an entirely different scenario. You can no longer hear things (telephone, door bell, someone shouting for help). The iPad and smart TV do not stop interaction with other humans.
This does. It's about as attractive as being in a room full of people at a party and a moody teenager (not saying all are BTW) sitting resting their face on their fist with earphones in, staring at their phone. It's just not social.
I do not see this becoming mainstream, despite the excitement from the tech community (and those who enjoy isolating themselves, or perhaps us developers who are perfectly happy to sit in a room with others in silence, typing). We devs are normally seen as odd - admin staff at work say "the developers don't ever talk!!"; this will only exacerbate the problem. So, although some of us may enjoy sitting in a room with a device strapped to their face to the chagrin of those around us, I can't see it being socially acceptable.
The Kinect is truly giant in computer vision/hobbyist circles. Your metaphor may be good, but not for the reasons you mean - I think gaming won't be impacted, but industries will be.
"Club" has been used to describe subscription products for as long as I can remember. Columbia House/BMG's mail order CD business were called record clubs, for example. There was (is?) also the Book of the Month Club and plenty of other "X of the month" clubs that probably existed way before the world wide web.
Perhaps "joining a club" sounds more positive/marketable than "subscribing to a mail order service."
I've had a 401k for 6 years and I've never once used customer service.
Also the older you are and the more you've worked the higher your account balance becomes. So once you have people with balances with $1M+ (which if you're actually saving for retirement you'll need), they'll be drawing much more per person.
From my experience the most common customer service requests fall into the following:
* Enrollment
* Distribution
* Rollover
* Loan
* Panic due to market movements
* Asset allocation/rebalancing
The top three on that list are when you enter or exit a job so if you have been with the same company for those six years you likely would not have used customer service.
I do encourage you to sign up for a meeting with your 401(k) advisor if they come to your office and do those. It is good even as an excuse to look over where you stand.
I work out of Chicago about a week a month. Most of my college friends live in Chicago and have very good jobs in the technology and financial industry. Couple that with being able to live in awesome parts of town without even thinking about the cost, drinks/food that are much cheaper than NYC at the high end, etc. I think it's a great place with awesome people.
Lots of my friends are moving to the Raleigh/Durham/Chapel Hill in North Carolina. They seem to like it a lot. I visit the area about 3-4 times a year and love it.
I'm sure it's gone up, but I think it's still pretty decent. Drinks/food are pretty reasonable. You don't need to live downtown since it's pretty car centric out there. Chapel Hill has that upbeat college feel I love.
You can do magnet programs there though. I went to school in Tampa. In general the public schools were awesome, but the magnet programs were absolutely incredible.
You don't get any rewards (1% is standard, plenty already give 2% back)?
You also need to take into account the bank's cost of funds, the cost of administering the account, the cost of fraud, cost of disputes (do you ever do a chargeback?)
I thought the cash equivalent of the rewards are charged to merchants ontop of the fee? Square etc shelter that from their merchants (which partially explains their losses quarter to quarter).
The marginal cost of servicing another person when they already have a consumer base of people with debt is very small (close to zero). I'm trying to say it's still profitable, but not where they make the bulk of the revenue.
Amex charges higher fees (many of their cards charge the consumer directly, and their merchant fees are higher) and don't charge interest on many cards (charge cards). Their business model is different.
