BluePeriod_

BluePeriod_ t1_jef1f9f wrote

In my experience, I think people take cultural differences very personally for no real particular reason. The same thing happens whenever any kind of news about iMessage appears.

You get the same comments of “this is only an American problem!“ Or “the rest of the world uses WhatsApp“

It doesn’t occur to people that the rest of the world can use whatever they want. Different countries have different trends, different cultures, different styles - different everything. South Korea uses Kakao talk, Japan uses Line. A lot of countries use Telegram for example.

We just don’t use WhatsApp here lol. And stupid as the SIM locking policy is here, it’s just not a common issue for us in the USA.

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BluePeriod_ t1_jeetswd wrote

Verizon and T-Mobile sell them unlocked but really, your best bet is to just buy a SIM-Free model from Apple. If you are financing the phone anyway, just use an AppleCard for the zero interest.

Personally, I would never buy a phone through a carrier ever again because of these shady motions.

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BluePeriod_ t1_j8wk6z4 wrote

Apple is absolutely at fault here for choosing a shoddy ass “courier” like Uber Eats for these deliveries.

Uber Eats is at fault for being shit as always.

Guys. Just pick up your fucking orders. I don’t mean this blame the customer. It’s absolutely not their fault for expecting a trillion dollar company to get something right. But they’re dropping the ball and we see posts like this often.

Just pick up your orders.

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BluePeriod_ t1_j8pq1dj wrote

Your critique is completely valid, and I thank you for approaching it from a very mature standpoint. The truth is, I am not doing so hot. I’m trying to save as much as I can, times are tough, and my household is disproportionately reliant on me. This is only temporary, but I am doing the best I can.

My parents were bankers, so they taught me all about predatory loans early. While it’s not perfect, the pay in 4 option for me is working because it allows me to offset the high cost these unexpected necessities without falling into the trappings of a high interest loan that would be impossible to pay back or dipping into my savings. It’s the best of a bad situation and the most affordable in terms of staying liquid. Especially with all the sudden costs that came up recently.

To be clear, I don’t want my initial comment to serve as an endorsement for these type of products, I’m only relaying that it’s working for me in my very specific situation. I would never particularly recommend them to anyone, but if hard-pressed, I would absolutely recommend it as an alternative to a predatory high interest loan depending on their own circumstances.

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BluePeriod_ t1_j8o2f55 wrote

Yeah. It makes me sad too because it’s like - a fun thing here and there? Fine. But I work for a bank and I’ve seen some accounts that have a LONG series of purchases from Zip/Klarna/PayPal installments etc. Like “entire paycheck is pretty much gone” amounts. It’s an easy pit to fall into.

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BluePeriod_ t1_j8o1hu3 wrote

I’m pretty excited for this. I know pay in 4 systems get a bad rep and understandably so, but if used wisely is can be a massive help.

For example, my microwave died and I didn’t want to drop all that $500 at once and I didn’t want to carry a balance on my credit card so I paid for it on my pay day using Pay in 4 with another system and it worked out.

Another was with my car insurance. There’s a $430 discount for paying the premium up front vs monthly. So I just threw the whole thing on Pay in 4 and got the discounted rate.

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