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themoneybuff-blog · 5 years

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The Apple Credit Card Is Hyping Features You Probably Have Already

Apple is once again preparing to bring a shiny new product to market, and theres plenty of buzz about it, as is typically the case with each new offering from the trendsetting tech company. In this case, however, the new product is a credit card that Apple calls groundbreaking. The Apple website claims as much, stating: Apple Card completely rethinks everything about the credit card. It represents all the things Apple stands for. Like simplicity, transparency, and privacy. It builds on the incredible ease and security that millions of people love about Apple Pay. And its the first card that actually encourages you to pay less interest. Those are very bold assertions in an already crowded credit card landscape. And as it turns out, some of those claims just may be overstated. Being launched in partnership with Goldman Sachs, the Apple Card includes a variety of noteworthy features such as immediate, daily cash back and no annual fee, cash-advance fee, over-the-limit fee, or late fees. Apple Card users will also have the ability track and sort spending into helpful color-coded categories on their devices. Perhaps the most buzzed about features, however, are the cards security offerings, which Apple heralds as a new level of privacy. Among the big takeaways here is that the card itself will not have a physical number anywhere on it, or a CVV code for that matter. But are all of these features truly new and groundbreaking? For many experts, the answer to that question is a resounding no. For the most part, what Apple is offering is not all that unique. Most of these features are out there already, said Ted Rossman, an industry analyst for CreditCards.com. Theyre doing some innovative things with security, but the rewards, fees, and interest rates, these things are already out there and in many cases the offers elsewhere are better. Heres a closer look the Apple Cards major claims and how they stack up against the competition. Security Features Lets tackle the Apple Cards various security features first, because theyre generating much hype. As noted, the Apple Card will not have a physical number on it, nor will it have a CVV code or expiration date. All of which is very cool. And it is indeed new to the industry, said Rossman, who explained that the lack of a physical number on the card is a step forward in security from credit cards with EMV chips, which have become ubiquitous. This is going to improve online security. If a crook steals your Apple Card, just having the card wont be enough to make a purchase, he explained. Chip cards havent helped us at all with online fraud. And with Apple taking the card number off the card, and the CVV and the expiration date, it means someone who finds or steals the card wont be able to buy anything online. To this, the Apple Card adds yet another layer of security as well, the dynamic CVV code, explained Rossman. In other words, the cards CVV, automatically generated in the credit card app on your iPhone, will be ever changing. As groundbreaking as that is, its less a giant leap than a logical step forward from virtual credit card numbers, which have been around for quite some time, and which the Apple Card will offer as well. Using a one-time virtual credit card number can be helpful on those occasions when you dont necessarily trust an online merchant, or if youre signing up for a free trial or subscription and dont want your card charged the next month if you forget to cancel. This has been in use for a while, continued Rossman. A consumer can sign up for a virtual card number with a bunch of issuers, including Capital One and Bank of America. You just go to their website or call them and say I want a virtual card number. And it could be for just a one-time use or you can use it for a year if you want. In the case of the Apple Card, these virtual numbers can be generated on demand, without having to log in to your card issuers website. The idea behind such numbers is that if the information is accessed by a criminal, the individual wouldnt have your actual credit card number, thus limiting any harm that can be done. Interest Rates The interest rates Apple is advertising for its forthcoming card range from 13.24% to 24.24%, based on the applicants creditworthiness. Apple describes them as being among the lowest in the industry. Rossman says theyre not all that different than whats already being offered by other cards. The 13.24% is a little lower than what we see at CreditCards.com as the average low end of the range. Typically, its just a shade under 18% and typically the high end is 25%, he said. The fact that Apple is advertising rates from 13.24% to 24.24% also suggests the card will be marketed to a broad audience and that consumers with a subprime credit score will likely be approved, added Rossman. None of that is all that different, Rossman added. Cash-Back Tiers The Apple Card provides 3% back on everything purchased from Apple, whether that transaction occurs in a store or online. It also features 2% cash back every time you buy something using Apple Pay, no matter what the purchase is, and there will be no limits. Finally, the card includes a 1% cash back offer for purchases at stores or on websites that dont yet accept Apple Pay. If these numbers dont exactly sound earth shattering, its because theyre not. The US Bank Altitude Reserve Visa Infinite Card offers 3% cash back on mobile wallet purchases and if you redeem for travel theres a 50% bonus, explained Rossman. Apple only offers 2% back on Apple Pay purchases, so the Altitude Reserve Visa is beating Apple at their own mobile wallet game. The Citi Double Cash Card is another example of a no-annual-fee card already offering 2% cash back on purchases, said Rossman. And these are just the first few examples that come to mind. Instant Cash Back The Apple Cards instant cash-back offer, on the other hand, may legitimately be unique, experts say. When users buy something with their Apple Card, a percentage of the purchase will go back into Apple Cash Card in the Wallet app. This happens immediately, not at the end of the billing cycle 30 days later. The money goes right onto the Apple card, so it can be used just like cash or it can be applied to your Apple Card bill or sent straight to your bank account. This is truly groundbreaking, said Cyndie Martini, president and CEO of Member Access Processing, an aggregator of card services for credit unions. I expect to see other cards offer this in the near future, but only if it means cardholders start to use their card more often to get Daily Cash, Martini added. This is the one Apple benefit that could potentially shift the market. Rewards are ubiquitous in the industry. However, current industry standard is that rewards are given to users on a monthly basis, or nearly so. Apple has narrowed that window to an almost immediate delivery of rewards. Though the instant cash back feature itself is noteworthy, its not likely to add up to very much, says Jim Miller, vice president of banking and credit card practice at J.D. Power. Most cardholders dont spend enough that getting access to their reward dollars every day makes a difference, Miller explained. If an Apple Card customer spends $1,000, thats about $33 dollars a day. If all of their spending is through Apple Pay, theyll earn 2% in daily cash, which will be 67 cents per day, or $20 for the entire month. Most customers wont care if they have to wait a month to get $20 compared to getting 67 cents every day. No Fees No fees, not even hidden ones, is definitely a tantalizing offer. And in Apples case, that includes no annual fee, no cash-advance fees, and no over-the-limit fees or late fees. Among the existing cards that make similar offers is the Promise Visa from PenFed Credit Union. They talk about no fees the same way the Apple Card does, said Rossman. That card, however, has a penalty rate where if someone pays 60 or more days late, the credit cards interest rate will increase to 29.99%. But there are no other fees, so theyre talking the same kind of language as Apple. The Petal Card is yet another example of a credit product that has no fees, said Rossman. Theyre an interesting company, they do cash flow underwriting, said Rossman of the Petal Card. They take a detailed look at your finances. A lot of the people theyre marketing to dont have a credit score. They have a lot in common with the Apple Card. The interest rates are similar and the language is eerily similar to what the Apple Card is saying, with no annual fees and no late fees. Encouraging Users to Pay Less Interest In big, bold letters, Apple proclaims on its website that its upcoming card will be The first credit card that actually encourages you to pay less interest. That, however, is not exactly true, according to experts. The website explains the offering this way: The best way to save on interest is to pay your balance in full every month. When you cant do that, Apple Card does the math for you. Choose any amount you wish to pay $530, $780, $1025 and watch Apple Card estimate the interest cost for you. In real time. So you can make an informed decision. Heres the thing, though: Do you ever look at your credit card statement? Have you noticed many of them have a table explaining how much interest youll be facing if you choose to only make the minimum payment? And the same table often explains how much less interest youll accrue if you opt to make a higher payment. Maybe all credit cards dont spell it out exactly as Apple is proposing, says Uri Abramson,co-founder of OverdraftApps. But suggesting that paying a bit more will help you pay less interest is like pointing out that milk is white, he says. Credit card statements offer direct information about how to avoid paying interest and contain a minimum payment warning. So, this is a bogus claim. The Big Takeaway Apple has always been good at generating buzz around its game-changing products. The company is legendary for creating shiny new must-haves that become status symbols among the cool kids. In a number of cases, Apple products have lived up to all of the hype. But not always. With their new card, theyre doing what Apple has always done. Theyve taken the best parts of what a lot of people do already and consolidated it into one shiny package, says Chris Ligan, vice president of acquisitions for Auric, a credit card processing company. Miller, of J.D. Power, offers a similar overall assessment of Apples latest product. Apples strength is taking something that already exists and improving the design and making it easier to use. Theyve done this with the Mac, the iPod, and the iPhone. All were existing products which Apple made much better, said Miller. While the Apple Card has very few unique features, theyre putting together a lot of the best credit card features into a single package. Read more: https://www.thesimpledollar.com/apple-credit-card-is-hyping-features-you-have-already/

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sassyhottubstrawberry-blog · 6 years

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"compare life insurance quotes usa

compare life insurance quotes usa

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I need cheap auto insurance below $150?

I'm 18 just got my drivers license got a honda civic lx 2010 and i need auto insurance i have a suckish job and i'm currently not in college but i will be attending after this next semester. i'm just looking for auto insurance, why is it so complicated?""

""Where is houston, tx is there an affordable OBGYN clinic?""

I do not have insurance, but need to get in to have an obgyn exam. Does anyone know where the most affordable place would be, and no do not suggest planned parenthood. They are on a sliding schedule, but apparently I make too much money which is a crock of crap.""

What's the best car insurance company 2 get the lowest price rates on a 74 caprice classic?

How much would my motorcycle insurance cost?

i might be purchasing a 1999 honda cbr 600s4. i have no riding experience. i live in NJ. i am 22 years old. i have 4 points on my license (from careless driving tickets), besides that, a clean driving record. any sort of educated guess would be much appreciated.""

Is there a way I can drop my car insurance since I am not using my car?

I have not used my car in a few months but still have insurance on it. I still want to keep my vehicle though, but just have it in the garage. Can I drop my insurance? My biggest fear is that once I cancel it and want to start driving my car again I will have higher rates? Is there any way I can avoid this???""

I need non-owner car insurance?

Does anybody know what insurance companies offer this thanks.

Would i need goods carrying vehicle insurance?

If i was to transport mechanical tools or a regular basis in a vauxhall combo van, would i need to get goods carrying vehicle insurance instead of normal car insurance? I'am a bit new to this so any advice would be appreciated. Thanks""

How do you get insurance on a scooter you don't know the make/model of?

I bought a scooter off of Craigslist, no title, just bill of sale. I want to get the title for it, but my state requires you to first have insurance on the bike/scooter before you can register it. I have no idea of the make or model, I know it's a 49cc and it is Chinese made. I checked the VIN and it is not stolen but does not give any other information on it. How do I go about doing this? Can I use a cheap insurance company like The General or something? Also, I am located in Colorado but I think it's pretty standard around the country of the same process. I'm looking to register it in my name, get the title and get a Low Power Scooter sticker for it. 10 points to the best answer!""

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America - Are you legally required to get Car Insurance?

In the UK you can't go on the road without insurance, is this the same in america?""

Can a 17 year old get their own medical coverage in California?

I'm 17 and live in California. I was wondering if I am legally allowed to sign up for my own medical insurance, like through MediCal or something, and not through my parents. It's a long story, but neither of my parents are able to provide medical coverage for me. And I'm not emancipated or anything. 10 points best answer. thank you ( :""

Need help to find a car with cheap insurance?

Ok so im nearly 17 and i live in the uk so will be taking my driving test soon. I want a car that isnt to expensive to run and cheap insurance as insurance is really high at the moment an the car cant be to expensive either as i dont have a lot of money the most money i would be willing to be pay is about 2500 and cheapest insurance please!

What happens if you get pulled over and get a ticket for no insurance?

OK so I just got pulled over this morning for not having any insurance and I had no idea I did not have it. For one the car is not mine its my boyfriends and for two his mom was the one that had insurance on it and dropped it without telling me, so I had no idea. I just went and got insurance on it like an hour after I got the ticket, so will the ticket be dismissed, if not what will happen and how much will this all cost?""

How much would extra would i pay for another car on my policy?

I currently own 2 cars and am looking to buy another one. It is a 99 crown vic police int P71. I dont want collision or anything extra, i want the lowest insurance policy that i can get. Im taking that, that would be a liability only policy, am i correct? If not what kind of policy do i ask for? Also, how much more a month would this cost? No one will steal it because its a former cop car, but you couldnt tell and i doubt i will reck it.""

Who has the best health insurance in California for college students?

I am a full time college student, and I am looking for health care insurance, but I'm not for sure which to go for. I was looking up Blue Shield of California, Health net, and Kaiser, but I'm new to this.""

Insurance question for sport bike?

Ok so I drive already and im going to be 18 very soon. I'm thinking about getting a sport-bike for college mainly because they have very good mpg and are fairly cheap.Once i get my m1 licence im thinking on getting a kawasaki ninja 250 or a suzuki gsxr 600. How much would insurance cost extra on the gixxer than for the ninja, thanks !!!""

Am I able to check the status of my husbands car insurance claim ?

Last October , I sold my car so I would be able to buy a more gas efficient car. I found a car that I wanted that was a stick but didn't no how to drive stick. My husband talked ...show more""

What kind of insurance do I need?

I provide training workshops for colleges and the school I am currently doing work for asked me to send them a certificate of insurance. They said, they need this in order to process a purchase order. What kind of insurance do I need? I've never had to do this before? Is it general liability insurance? And generally, how much does it cost?""

Why do I need title insurance?

I'm buying a piece of property, the lender says I have to get title insurance, why?""

Can I drop my non-owners insurance policy after I get my revoked license back?

I got a DWAI a while ago, and I will be eligible to reapply for a license soon. In order to do this, I have to apply for non-owner's car insurance and fill out an SR-22 form. After I have gotten my license back, can I legally drop the non-owner's insurance? I have never owned a car or had insurance before, so I have no idea how car insurance policies work.""

Is a hatchback (3 door car) considered a sports car with insurance?

if not what is it considered and is the cost higher than a sports car

When will a 1989 Mustang GT Convertible become a classic?

The car is in good shape, runs great, new top and no dents. Should I sell it or keep it?""

Car insurers recommendations?

hi there people, Since passing my test in December, I have been looking to buy (and insure) a car. Shortly I will be able to afford a little run around and have been getting insurance quotes for cars like the Fiesta and Corsa. I have noticed that over the last few months comparison site quotations have jumped from an average of 1800 to 3000 for someone in my circumstances. I have read and understand why car insurance has been hiked up, no win no fee claims are more popluar, fraud and bogus claims and economic recession are responsible for a massive increase in car insurance premiums...Im so angry at these things. I cannot believe this as I though 1800 was extortionate to begin with. I have found Elephant insurance who are quoting me reasonable prices however, back to around the 1800 mark. Please can you recommend any other good car insurers for first time drivers. I am 33 and live in Manchester England. All the big name insurance sites that appear on comparison sites see like a rip off, so any smaller insurers you have had experience of would be useful;, Thanks.""

""If I ride my friends motorcycle, do I need insurance?""

I have my license, and will be getting my own bike at some point, but for now, if I drive my friends motorcycle around, do I need insurance for it? Or does his cover me?""

How much is the average travel trailer insurance rate?

I am interested in getting a modern (2005 +) travel trailer approx 25-28'. I wanted to know what the average rate would be to insure it. Also, is it a requirement to get it insured? Thanks.""

I bought a car with no tax road and no mot and no insurance.?

hi there. iam one of the unlucky driver in london , i have bought car from acution few days a ago and i was driving it from biritsh car acution to garage where my mechanic can have look at it. i was in my way to garage and some one carshed in my car, police where there and i asked for my info and i give it to them, i have said everything as i am saying it to u guys. i just bought car didnt have time for insurance and mot and tax road im in my way to mot station where i can get one, and they toke my info and drive off. as i have been moved from my perviuos address i didnt got any letter from them which i meant to be in court, now i have other letter which shows i have to be in court by 27 march, i just wana know, what will happen and im i gona get any points and how much fine?? is there any prison for it ,, please help me is so important ,this matter is playing with my life at the moment ?""

Im wondering how much i should expect to pay for car insurance?

im 17 years old and got my license about 2 months ago (without drivers ed) and i have a 1989 honda accord coupe im just curious how much i should expect to pay for insurance for..1 month? 6 months?

Question about insurance?

im getting out on my parents insurance soon when i get a car, and they want me to buy a small truck which the insurance would be about $130 a month, and they dont want me getting a littlte car, about how much more would my insurance be on like a stock 93 del sol or something similar""

Something about getting health insuance?

yes i triedd to get free health insurance at a health place and i make to much money , i only work pt at my job, and i collect social security every month. I also tried to get medicade i can't get that. my monthly income is two thousand a month. there was another option is called healthy NY if i apply to that , the payments on that are $200 a month. i can't afford hat either i have too many bills , so is there any more ideas you people can give me. please help.""

Car Insurance Problem Please Help!!!?

Hi everyone, somebody hit my car and drove off about 3 weeks ago. I phoned my insurance up and made a claim, the problem lies now on my son, who is the addtional driver and who hasnt been driving my car because he doesnt need to. The problem is that he has had drink driving conviction and no insurance conviction for about 3.5 years. Prudential my insurance company want to see my licence and his licence counterparts, BUT we completely forgot about the convictions etc. So now I have a problem where i think my insurance will be void but he doesnt drive the car nor was he involved in the accident. What happens now as they have requested both photocopies of our licences, is there a way out of this, thank you""

How to apply for cheap health insurance in California?? (plz read)?

Ok here is my scenario, I have a friend (only a friend not lover etc....)....she has a 7 year old kid, who is very ill and in the hospital, her hospital bills keep stacking up and as a single mother who only works part time she could not afford health insurance.... me being a good friend i would like to help her out apply for healthy families mediCal or anything like that for free, plus add additional insurance to keep her costs down....anyone suggest any plans or prices that would work good in my scenario, also my job offers health insurance for me and my family (im single) would they offer health insurance to my friends kid if i put them as beneficary or would that not work out???? (please help much gladly give 11 points to best helpful answer) kid is very ill almost like lukemia so asap is apprieated.... thanks Jeff""

Car insurance for temporary work in California?

I have a 4 months of temporary work in California and I am thinking of taking my car. My current car insurance will not cover driving for work purposes in California. What is the easiest way to get car insurance for 4 months for California?

When can i refinance my car loan ??

i bought a car on June 5th this year ( 200-7-) Now i pay around 425 dollars for it every month , and as per insurance around 198 . i make around 750 dollars a month . i am doing this because i want to be independent from my parents. If i don't start somewhere then i will never be on my own . anyway emotional stuff aside..hehe. When can i refinance my loan , currently it's around 6-7% I think my credit score went high , my equifax is 669 , when i checked right now on creditinform.com. I have chase bank , you think they can lower it ? do you know how much lower they can go ? around 300 maybe? i am goin to take defensive driving class also , i heard that saves a lot of money also on insurance.. Please help , : ) thanks , have a nice day.""

Lying about age to get car insurance?

Hello i was just wondering what would happen if i lied about my age only to get car insurance because my mom is having a hard time splitting an account with me and her on it but different payments. I only wanna pay mine, and she wants to pay hers.""

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https://www.linkedin.com/pulse/how-much-would-my-monthly-insurance-bill-18yr-old-malei-peter-cook"

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valdesfraost · 7 years

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Home Fitness Vs. Going To The Gym

Doing Home fitness is a practice that is becoming common today.

Many people are embarking every day motivated by different goals, whether to lose weight, stay in shape, or even improve your physical conditions, cardio or muscles, it is very easy and convenient to start home fitness!

If you want to start home fitness too, let me give you some tips first so that you dont start off on the wrong foot.

Lets first take a look at what are the advantages of doing home fitness compared to conventional fitness clubs.

Time saving: If you are like me and you work all day and potentially until late, there is not much time left in the evening to do everything we would like to do, whether it is to take care of the bills or other documents that continuously land in our mailboxes, hanging out with friends, cooking, preparing the next day or whatever.

Doing Home fitness saves time in the sense that you do not have to do extra trips to get to a gym. Lets say it takes on average 20 minutes to get to a gym, if you count the round trip we save 40 minutes of our time at the end of the day! And thats not counting the time lost into the locker room, or preparing our gym stuffs

Financial savings: It may not be an argument for everyone, but it is true that enrolling in a gym is quite expensive. It cost at least $400 for a one-year subscription to a cheap gym and often more if you want a quality club with good facilities and a low frequentation rate.

Doing home fitness is very economical because the minimum budget is $0! One can very well do home fitness by doing only bodyweight exercises although having a few equipment is nice.

For reserved people: It may be embarrassing to do sports in front of strangers, its not always easy to bear the gaze of others when we are constantly reducing the weight load when working machines that we must share with bodybuilders.

It is also very inconvenient to run on a treadmill placed at the entrance of the room and feel upon us the look of every single person entering or leaving the gym. Home fitness is done in the comfort and privacy of our own apartment or house, sheltered from heavy looks.

If you’ve ever found yourself in one of those categories, Home fitness is for your!

Some people will try to find excuses, I hear many people saying that they could not practice home fitness because their apartment is too small or because they wouldnt be able to get enough motivation.

Personally, I find it much easier to get motivated to do a quick fitness session at home than to get motivated to go for a big session at the gym, because nobody goes to the gym for 20 minutes while I am almost doing daily quick tabata HIIT cardio workouts at home that do not exceed 30 minutes.

And as regard to the minimum space required, a rectangle measuring 2 meters by 1 meter is big enough, it is certainly nice to have more space but honestly, how much space do you use at the gym? Living in a 50 squared meters 1 bedroom flat, I just have to move a little the couch and I have more space than I need to do my exercises.

I said earlier that no equipment is required to do home fitness, but I still recommend a few basic equipment that is not costly:

The first one is obviously the yoga mat, it will cost you only twenty dollars and will be useful for all the exercises done on the floor. Its not very pleasant to lie on cold tiles or wooden floor, or sweating on a living room rug

I also advise you to purchase some dumbbells, because even if you are a woman, exercises with weights are important and help for weight loss without necessarily increasing muscle volume. They will help in strengthening the muscles for a more tonic appearance. I prefer dumbbells to bars for their practicality, plus they are easy to put away, they also allow a more secure workout because you wont find yourself stuck under a too heavy bar on the shoulders or chest.

If you dont like dumbbells, an alternative solution is the resistance band. Easier to put away, absolutely no risk of breaking the tiles when dropping it, it will allow you to add some resistance to your exercises for maximum efficiency. It can also be used to gain flexibility by using it for your stretches.

The medicine ball is far from necessary. I add it here because I find it fun to use and it adds a playful side to the exercises. But you can start without it.

Thats it for the equipment, all this will cost you around sixty dollars, this is nothing compared to an annual subscription fare, especially that you can use this equipment for years! I personally use those four equipments, I use dumbbells for muscle building workouts during my weight training and the resistance band during my tabata cardio exercises where dumbbells are less suitable since the exercices change quickly to work different muscles each time, so the position changes as well which make it difficult for the dumbbell.

Once you are all set with your equipment, its only a matter of starting doing home fitness! So where to start? What are the exercises that one can easily make at home? Well it depends on your goals as you would have probably guessed!

If your goal is to lose weight, I suggest doing cardiovascular workouts that will spend lots of calories and burn that nasty fat that have been stored around your waist for many years now. But beware ! I am not advising you to go jogging, jogging or running is much less effective than HIIT training (high intensity interval training).

Everyone knows that jogging helps losing weight, but the problem is that you do not only lose fat but also muscle mass! Have you ever noticed that marathon runners are extremely lean but look weak while sprinters have a good muscular athletic build? It has been proved that HIIT workouts allow you to burn more calories through the afterburn effect: a high intensity workout puts your metabolism into a warrior mode for up to 48 hours! So you continue to burn calories while you sleep! Studies have shown that a HIIT training like the 4 minutes tabata protocol spends as much calories as a 30 minutes jogging.

Home Gym vs Gym Membership by Terrys Fabrics.

If that isnt time saving! And of course if you want to lose weight, a healthy balanced diet is 80% of the work, but dont be afraid, you can eat healthy and still enjoy it! Do not hesitate to consult the recipes sections on DailyCrossFit.

If your goal is rather to gain more muscle mass, you will then have to focus on strength exercises. But bodybuilding is vast, some will want to gain volume and create 10 pounds of muscle mass in a few months, in this case a program like german volume training will be appropriate.

Others will rather want to keep the same volume but go for more muscle definition, they will then have to alternate the cardio exercises with weight training done with very heavy weights. Learn more in the section dedicated to bodybuilding.

Read our crossfit shoes guide at: http://www.workoutgearlab.net/crossfit/best-shoes-for-crossfit/

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