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An anonymous reader writes from a math-heavy report via AllFlicks: The folks at AllFlicks decided to crunch some numbers to determine just how much more expensive cable is than Netflix. They answered the question: how much does Netflix cost per hour of content viewed, and how does that compare with cable's figures? AllFlicks reports: "We know from Netflix's own numbers that Netflix's more than 75 million users stream 125 million hours of content every day. So that's (roughly) 100 minutes per user, per day. Using the price of Netflix's most popular plan ($9.99) and a 30-day month, we can say that the average user is paying about 0.33 cents per minute of content, or 20 cents an hour. Not bad! But what about cable? Well, Nielsen tells us that the average American adult cable subscriber watches 2,260 minutes of TV per week (including timeshifted TV). That's equivalent to 5.38 hours per day, or 161.43 hours per 30-day month. Thanks to Leichtman Research, we know that the average American pays $99.10 per month for cable TV. That means that subscribers are paying a whopping 61.4 cents per hour to watch cable TV -- more than three times as much as users pay per hour of Netflix!"
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techrights: Highlighting just two of the many entities that Microsoft (and partners) use in order to induce additional costs on Free (as in freedom) software
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Updated with new info for both new and existing customers. Fidelity has (mostly) converted their rewards credit card line-up to a single version – a Visa Signature issued by Elan Financial Services (subsidiary of US Bank). For new customers, the new Fidelity® Rewards Visa Signature® Card will receive a flat 2% cash back when directed to an eligible Fidelity Investments account. Here is a different link which includes a $100 bonus after you make at least $1,000 in purchases within the first 90 days. Here are the new card highlights:
- Unlimited 2% cash back, when redeemed into an eligible Fidelity account.
- No annual fee.
- Visa Signature benefits, like Concierge service.
- Chip-enabled and works with Apple, Android, and Samsung Pay.
Eligible Fidelity accounts. The 2% rewards value applies only to points redeemed for a deposit into the following active Fidelity accounts:
- Fidelity Cash Management Account
- Fidelity Brokerage account
- Fidelity-managed 529 account
- Fidelity Retirement account (IRA, Roth IRA, SEP-IRA, Rollover IRA)
Rewards value will be less than 2% cash back if you choose to redeem your points for other rewards such as travel options, merchandise, gift cards, and/or a statement credit.
Points redemption details. You can either choose automatic or manual redemption. With automatic redemption, once you reach $50 of rewards (5,000 points from net spending of $2,500), your balance will be automatically swept into your designated Fidelity account (or split between multiple Fidelity accounts if you wish). You can also redeem your points “on demand” either by calling in or online after you reach the same 5,000 point minimum balance.
Previous FIA Cardservices customers. You should have received your new Elan-issued cards by now, and been told what the new rewards structure is. There is no new credit check. Your credit card number will be different, but the credit card history (like age of account) should continue as before on your credit reports. Your existing rewards balance will be moved over. Re-enroll your card for online account management at FidelityRewards.com. Re-enroll your cards for rewards redemption after logging into your account at Fidelity.com / Credit Card Snapshot / Manage Rewards Points. You will need your Fidelity account numbers.
There was (understandably) some angry existing customers when they were told they would only start at 1.5% cash back and not the 2% cash back offered to new customers. Some reps told existing customers that they would have apply for a new card in order to get the 2%. However, it appears that Fidelity has softened that decision. If you call up the number on the back of your card and ask them, they should upgrade you to 2% cash back without hassle. But it won’t happen automatically; you must call.
Commentary. Overall, this move makes complete business sense. They negotiated terms that could offer a Visa card with 2% cash back without any tiers. Fidelity uses this card to encourage customers to keep all their assets within Fidelity-branded accounts. You could theoretically now have your checking account, credit card, brokerage account, IRA, 401(k), all with Fidelity.
Their previous issuer, FIA Cardservices was owned by Bank of America, which is essentially a direct competitor. You could also have a Bank of America checking account, BofA credit card, Merrill Edge brokerage account, and Merrill Lynch wealth management account under their umbrella. In fact, I recently opened up a Merrill Edge account and moved over $100,000 of assets and received (1) 100 free stock trades a month and (2) an effective 2.625% back towards any travel with the Bank of America Travel Rewards card (my review). I pay no annual account fees on either product.
Elan Financial Services is a subsidiary of US Bank, but they are less of a direct competitor. You won’t see “US Bank” mentioned anywhere on this card. Elan quietly co-brands with many other financial institutions (over 1,400) who want a credit card but don’t want to handle the back-end details.
Bottom line. I believe it remains a solid cash back card for existing Fidelity customers (or those willing to open a Fidelity account). As a self-directed investor, I also like to keep my options open. I have this new Fidelity card, but I don’t use it. I use the Bank of America card mentioned above because it offers higher rewards for my situation. I also have (but don’t currently use) the Citi Double Cash card (my review) because it is a similarly solid card with no annual fee (and doesn’t require any companion account).
Why do I have all three? My experience is that good credit cards may stop taking new applicants with no prior notice, but as an existing customer you can often continue to receive grandfathered benefits for a long time. I’ve had some version of this Fidelity co-branded card earning 2% cash back since 2004. They also all have no annual fee.
New Fidelity Rewards Visa Credit Card Review: 2% Flat Cash Back from My Money Blog.
© MyMoneyBlog.com, 2016.
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An anonymous reader quotes a report from NPR: About four years ago, Kevin Sinclair inherited an army of clones. "Daisy, Debbie, Denise and Diana," says Sinclair, a developmental biologist at the University of Nottingham in England. "'Sister clones' probably best describes them," Sinclair says. "They actually come from the exactly the same batch of cells that Dolly came from." In an article out Tuesday in the journal Nature Communications, Sinclair and his colleagues write that the ewes' age, along with their strapping health, might be a reason for people to start feeling more optimistic about what cloning can do. Dolly's life did not turn out as scientists in the cloning field hoped it would. She died young -- 6 1/2 -- with a nasty lung virus. "That was really just bad luck," Sinclair says, and had "nothing to do" with the fact that Dolly was a clone. It was a daunting concept for those in the cloning field, because, says Sinclair, "If you're going to create these animals, they should be normal in every respect. They should be just as healthy as any other animal that's conceived naturally. If that is not the case, then it raises serious ethical and welfare concerns about creating these animals in the first place." But, the good health of the 13 clones in the Nottingham herd suggest better prospects for the procedure. Sinclair and his colleagues evaluated the animals' blood pressure, metabolism, heart function, muscles and joints, looking for signs of premature aging. They even fattened them up (since obesity is a risk factor for metabolic problems including diabetes) and gave them the standard tests to gauge how their bodies would handle glucose and insulin. The results? Normal, normal, normal. "There is nothing to suggest that these animals were anything other than perfectly normal," says Sinclair. They had slight signs of arthritis (Debbie in particular), but not enough to cause problems. "If I put them in with a bunch of other sheep, you would never be able to identify them," he says.
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An anonymous reader quotes a report from Los Angeles Times: The Tesla car involved in a fatal crash in Florida this spring was in Autopilot mode and going about 10 miles faster than the speed limit, according to safety regulators, who also released a picture of the mangled vehicle. Earlier reports had stated the Tesla Model S struck a big rig while traveling on a divided highway in central Florida, and speculated that the Tesla Autopilot system had failed to intervene in time to prevent the collision. The National Transportation Safety Board released a preliminary report Tuesday that confirms some details of the May 7 collision, along with a photo that shows the car with its windshield flattened and most of its roof sheared off. The federal agency also included a photo of the big rig, circling an area on the right side of the tractor-trailer that showed the light damage the truck received from the collision. The 2015 Model S was moving at 74 mph, above the posted 65 mph speed limit, when it struck a 53-foot trailer being pulled by a Freightliner Cascadia truck. Tesla's semi-autonomous Autopilot driving feature was engaged, the report says.
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Datamation: So what's better IOS or Android?