Internet rando.

You can also find me on Mastodon https://mastodon.social/@lazycouchpotato and Tildes https://tildes.net/user/lazycouchpotato

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Joined 1 year ago
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Cake day: June 16th, 2023

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  • It’s tempting to opt for telematics/black box insurance because of the initial cheaper prices but the privacy violations and potential downsides make it not worth it.

    You can be the best defensive driver in the world but sometimes you’re just going to have to brake hard to avoid an object that may jump on you, dinging your driving score and raising your premiums.

    Contrary to what this post’s image says, I’m reading online that these apps aren’t perfect at differentiating between who’s a driver and who’s a passenger.

    Have fun fighting with your insurance to get them to remove anything from your record.

    Last week a squirrel decided it didn’t want to live anymore and jumped into my way while I was driving. It was on an empty slow street at night so I was safely able brake hard to avoid killing the poor thing. If I had spyware insurance they would’ve dinged me for it.



  • The simple reason is because I got a lengthy free trial for it (saving me money on the Tidal sub) and then stuck around.

    Apple Music was hot garbage when I started using it but over the months of my trial it improved tremendously - to a point where there isn’t much difference between it and Tidal. App performance is good now, it provides song recommendations for your playlists, many bugs I was facing have been fixed.

    The Android Auto experience is better for me compared to Tidal, it has Shazam integration (Spotify does too, Tidal doesn’t) and it has many of the Japanese city pop songs I like that Tidal was missing.

    I can always jump ship if needed. Services like Soundiiz and TuneMyMusic make it pretty easy.



  • I don’t mind paying $10/mo for access to millions of songs on demand, even if the caveat is that I don’t own anything at the end of my subscription.

    I understand costs have gone up, so I can accept a $1 increase in subscription. The problem is that Spotify wants to do a bunch of side projects at my expense. I have no interest in podcasts or audiobooks yet I must fork up the extra money to fund it. I have no say in what my money is being used for and I hate that.

    It’s why I moved from it to Tidal and then to Apple Music (even though I’m on Android). Both have their own issues but at least they’re focused on music.










  • I loved Privacy .com . Used it for all my online purchases before I got a credit card, and they had my back when I submitted a chargeback against a merchant that turned out to be fraudulent.

    I stopped using it 2 months ago, as I got hit with KYC and now need to submit my SSN to them to unpause my account. I asked them why, letting them know that I’ve never caused them any trouble, using it only for things like streaming subscriptions and movie ticket purchases. This is what they had to say:

    Due to changes in our compliance obligations, we’ve had to add SSN to our list of required information necessary to use our service. As with the rest of your signup info, none of this is shared with the merchants and services you use Privacy Cards for.

    The change isn’t driven by anything specific to your account but an across-the-board policy change to ensure we’re keeping up with best industry practices.

    The information is fully encrypted and not visible on your Privacy profile. In the unlikely event that an unknown party accesses your Privacy Account or our system, they won’t be able to obtain it.

    My credit card has a similar virtual credit card (VCC) service, so I switched to using that. Giving them my SSN is unavoidable, so I might as well use their service and earn some points.

    Since we’re on [email protected], thought it would also be a good heads-up letting everyone know that they use Plaid for linking your bank account to your Privacy account. Plaid settled for $58 million in a suit that alleged they (1) obtained more financial data than was needed by a user’s app, and (2) obtained log-in credentials (username and password) through its user interface, known as “Plaid Link,” which had the look and feel of the user’s own bank account login screen, when users were actually providing their login credentials directly to Plaid.

    I got $35 from it.

    My non-professional opinion: I don’t see anything wrong with them. I like their service, I just don’t want to give my SSN to yet another company, if I can avoid it.