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Cake day: February 23rd, 2024

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  • The large U.S. carriers have plans that are, I think, $20-30 a month and you get the newest phone as soon as it comes out, apple or Samsung. They also partner with manufacturers for discounts and trade-in deals, especially when a new model comes out. My last phone was 2 years old but when they offered me the newest one for something like $120 after trade-in (I think that was almost $1100 off, I don’t remember all the details) I upgraded everyone on my plan. I think they did the same thing this year but even with those discounts the pain in the ass of upgrading plus the price, even though it’s low, wasn’t worth the small year over year change. Probably next year or the year after. Assuming similar deals, that makes it $40-$60 a year to get a new phone every 2-3 years.

    Edit: You do have to stay with the carrier though. If you leave in less than 24 months you have to pay back a prorated part of the discount. Or at least the part that comes from the carrier, I think you keep the enhanced trade-in from the manufacturer.













  • Is this lawsuit just about having the choice to use an ESG fund?

    The article even mentions that people who aren’t invested in an ESG fund are included in the class action with those who are.

    Here is a link to AA’s 401k page. Scroll down to “What are my investment options.” It looks pretty standard. Options for index funds, self-directed where you can invest in any Fidelity funds, target date funds, and other options.

    What kind of a bullshit lawsuit seeks to reduce personal options that don’t affect anyone else. Or am I missing something and could one person’s selection somehow harm others?

    Edit: I read a little more about the lawsuit. I’m not 100% sure about this, but it seems like the complaint is; the people managing the funds use the voting rights from everyone invested to vote for ESG goals. E.G. if you’re invested in an index fund the people managing the funds can use the voting rights of your shares to influence the companies in ways the lawsuit claims violate fiduciary responsibility.