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It costs $5 to open a bank account at most US credit unions.


In theory. In practice even with a valid US passport in hand you won't pass KYC without proof of address. To get an address costs either money to get a place or lots of time spent with social workers, assuming they're even accessible, to get the legally valid evidence of a homeless shelter as your address.

Additionally, when I was living in poverty at least I often was living in legally precarious housing with no mail access and landlords that didn't want any "on-the-record" evidence and thus no proof of my address. KYC is a big expensive burden on the poor that blocks banking access.


Tell that to people who spent years unbanked, cashing their paychecks at a van that would pull into the factory parking lot on payday, like me 20 years ago.


Not even for the average HN user.


This is because Apple has barely updated the iTunes/Music App codebase and featureset since iCloud came out in 2011.


The only asterisk to that statement would be if OP was a Mac user. Using Firefox for reddit and youtube nets me 4 hours of battery life on a 2020 13 inch MacBook Pro, while safari will get my 6.5-8 hours with the same usage.


It's because mac doesn't support vp8 hardware decoding. use this extension to force youtube to use h264 https://addons.mozilla.org/en-US/firefox/addon/h264ify/

Blame apple


> Blame apple

and Google, for not doing the minimum thing they could have done and served you the best encoding for the platform.

It is almost if the companies you actually give you money to (or eyeballs) do not care at all for your interests.


Some years ago Firefox was near-unusable on MacBooks because it started spinning fans like crazy after a few minutes, eating battery in 30 minutes. But it had improved immensely since that time.

Speaking of Safari, maybe it's a matter of preference or habit, but for me it's has a very weird UX


You can use HomePods as dedicated outputs for your Apple TV 4th gen or newer. Can also work alongside your amp.

Also, as stated in earlier comments, you’ll be able to use AirPlay to stream anything from your NAS via an iOS/Mac device.

The only feature you’ll lose is the ability to say “hey Siri, play song x”

AirPlay is lossless, too.


The only feature I care sorting is "Hey Siri play X" in the framework of the Music is on the NAS. So yah, out of luck.

The current setup works very well, except I have to us a physical thing (remote or remote app on iPhone) to play something.


Ah. Then there really isn't any completely voice activated solution on the market that can sort your needs. They're all so cloud-focused.


Considering that the HomePod non-mini doesn’t do any on-device language processing, I don’t see a need for that much power.


I also think that leasing or buying used negates the car-rental argument. The costs of owning a used sedan are very low, and the on-demand convenience imho beats renting a car for $8/hr. Leasing enables one to have a new car without taking the depreciation hit.

Own what appreciates, rent what depreciates.


> Leasing enables one to have a new car without taking the depreciation hit.

That's not accurate. With a lease you're just paying for the depreciation directly, at a predetermined rate.

It can definitely make sense, though. I leased a Bolt for my wife for $6K for three years. Even if she only drove it once every week or so it would be hard to do on-demand rental for less.


I bought my HomePod mainly for its value as a speaker first -- at $199 I don't think any Sonos or Harman competitor can produce such high-fidelity sound.

I also put more trust into Apple/Siri than I do with Alexa or Google. Their differential privacy and anonymized Siri requests have limited the speaker to few features which in my experience work well with the latest 13.x OS.


There is a team taking advantage (jailbreaking on iOS) of the security flaw in all A-series chips up to A11 in the hardware-level bootloader. The T2 in your 2018 or newer Mac is a variant of the A10.

The bootROM flaw allows for an exploit that can only be executed with physical access, another Mac and DFU mode. It's not persistent.

The main use of this exploit was to install unsigned code on iOS devices (jailbreaking.) The team is doing it for free, however many contributors take advantage of Apple's bug bounty program for income, therefore making newer devices more secure.


I would say it is persistent enough to be malicious. The T2 does not reboot, with the exception occuring during a DFU restore, extremely drained battery, or firmware update. With that in mind, a party intending harm would have more than enough time.


Making UXs for desktop that share design elements with touchscreens will always be a mess.

It's my biggest fear for the future of macOS development given the recent announcement of Big Sur and ARM.


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