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Comment Re: Some Observations (Score 1) 220

If you buy your phone on contract, you're getting it 'free' in the sense that you're getting a loan at 50-100% APR

That depends on the carrier. Many give no discount in service for paying the full price of the phone, so as long as you're okay with being "locked in" for two years, taking the subsidized phone makes perfect sense.

Comment Re:not gonna happen (Score 2) 630

Assuming you are not intentionally trying to spread misinformation, please do the world a favor and stop sharing your opinion about tax policy on the internet.

In California, a single person making $61,320 a year (The median household income in California in 2013) with no deductions pays the following:

$11,123.75 in Federal income tax for an effective federal tax rate of 18.14%
$4,690.98 in FICA (Social Security and Medicare) for an effective rate of 7.65%
$3,177 in state income taxes, for an effective tax rate of 5.18%
Sales tax in California is 7.5% As Americans only spend about 32% of their income on taxable goods (that's the number I could find), the effective rate would be %2.39

As for property tax, per Prop 13, it is limited to 1% of assessed value at the time of sale with limits on growth of 2% per year. Your theoretical 10K tax bill would be mean the property is assessed at $1,000,000; hardly realistic for someone in the middle class. A more typical home for someone in that range would be $100K-$200K. To help your argument I'll go with the high-end, $200K. That would mean a $2,000 property tax bill, or 3.2% effective rate

Adding all of those up, you get a 36.63% effective tax rate. And that's literally the *worst* tax situation possible.

Throw in things like the child tax credit and mortgage interest deductions and those federal and state effective rates start dropping like a rock.

Comment Doubt it (Score 3, Insightful) 191

Apple has done fine on the OSX side with less than 10% share for more than a decade now. Yes, there are many more apps for Windows than OSX, yet their share has been remarkably consistent.

Apple devices are marketed towards a niche segment that is outside of the commodity (Windows/Android) markets. They enjoy *much* higher profit margins than any Android phone maker. Apple users, being more affluent group, are also more likely to pay for apps in the market, which keeps developers attracted to the platform.

To paraphrase Voltaire, If Apple did not exist, it would necessary for the market to create one.

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