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New Apple Card Savings Accounts Offers 4.15% Interest

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Apple is continuing its forays into the financial world with the introduction of Apple Card Savings, a new savings account from Goldman Sachs that offers 4.15% interest with no fees, no minimum deposits, and no minimum balance requirements. The Savings account is designed to hold your Daily Cash rewards from using the Apple Card, but you can transfer as much as you want into it, up to $250,000. Given the woefully low interest rates offered by many local banks, the Apple Card Savings account may be compelling. It’s easy to manage in Apple’s Wallet app, but it doesn’t integrate with other personal finance apps right now.

(Featured image by iStock.com/brookebecker)

Social Media: Apple’s latest new product is… a 4.15% savings account? That’s right, as part of its financial ventures, Apple has introduced Apple Card Savings, a high-yield savings account aimed at holding Daily Cash rewards and more.

iOS 16.4 Adds Voice Isolation Feature to Improve Cellular Calls

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In iOS 15, Apple added the Voice Isolation feature to FaceTime calls to filter out noise around you while you’re talking, which is a boon if you’re making a call in a loud space or outside environment. With the recently released iOS 16.4, Apple has now brought that feature to cellular calls as well, but it’s not an option in Settings > Phone, as you might expect. Instead, during a call, open Control Center by swiping down from the top right of the screen (Face ID iPhones) or up from the bottom (Touch ID iPhones). Then tap the Mic Mode button and Voice Isolation. You won’t hear any difference, but the person on the other end should be able to hear you better. iOS remembers your setting, so switch back to Standard when you’re done—Voice Isolation may not sound as good as Standard in quiet spaces.

(Featured image by iStock.com/Jub Job)

Social Media: If you make phone calls in loud environments, you can now be heard more easily with iOS 16.4’s new Voice Isolation feature for cellular calls. The tricky part is enabling it in Control Center while talking.

Make Sure to Back Up iPhone Photos on Your Mac

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If your iPhone were to be stolen or suffer an unfortunate accident, would you lose all your precious photos? Those using iCloud Photos are probably shaking their heads smugly, thinking that all those baby and vacation photos are backed up securely in iCloud. iCloud Photos does indeed store a copy of all your photos, but you shouldn’t assume that everything in it is completely protected. Although it’s extremely unlikely that Apple’s systems would fail so that you’d lose anything, the contents of your iCloud account aren’t as safe as would be ideal.

An Aside to Explain Why iCloud Isn’t Perfectly Secure

Recently, Wall Street Journal reporters Joanna Stern and Nicole Nguyen covered a troubling form of crime aimed at iPhone users in an article (paywalled) and accompanying video. Thieves hang out in bars, looking for users who tap in their passcodes instead of using Face ID or Touch ID. Once they’ve learned someone’s passcode with surreptitious shoulder surfing, they grab the iPhone and run. As soon as they’re clear, they use the passcode to change the user’s Apple ID password and enable or reset a recovery key, which prevents the user from employing Find My to locate and lock the iPhone. Worse, with the passcode, they can make purchases with Apple Pay, access all passwords in iCloud Keychain, and use other information on the iPhone to facilitate identity theft. It’s a disaster.

But it gets worse, as the reporters detail in a new Wall Street Journal article (paywalled) and video. By enabling a recovery key, the thief disables Apple’s normal account recovery process for resetting the Apple ID password. In other words, if this were to happen to you, along with all the financial losses and headaches, you would lose access to your iCloud account, possibly forever, and with it, all your photos in iCloud. With luck, Apple will block this attack soon.

For now, follow this commonsense advice to reduce the chances of being victimized:

  • Pay attention to your iPhone’s physical security in public.
  • Always use Face ID or Touch ID in public.
  • If you must enter your passcode in public, conceal it from anyone nearby.
  • Never share your passcode beyond highly trusted family members.

Backing Up Your iPhone Photos

As with so many other modern ills, good backups go a long way toward minimizing the pain of problems. They won’t prevent someone from stealing your iPhone or locking you out of your account, but if that were to happen, at least you won’t lose all your photos!

There are two possible backup scenarios. Using iCloud Photos and downloading originals to your Mac is easiest but requires that you pay Apple for more storage if you have more than a handful of photos. If you don’t use iCloud Photos, you can just back up your iPhone to your Mac or, better yet, import images into Photos on the Mac and then sync them back. It’s more work and fussier, but doesn’t cost anything.

  • iCloud Photos: When using iCloud Photos, the trick to protecting your pictures is to sync the originals with your Mac. In Photos > Settings/Preferences > iCloud, select Download Originals to this Mac. The only downside of this approach is that you need enough disk space on your Mac to hold them all; if that’s not the case, you may need to move your system Photos Library to an external hard drive.
  • iPhone-only photos: If you aren’t using iCloud Photos, the best approach is to connect your iPhone to your Mac using a USB-to-Lightning cable or Wi-Fi and then import new snapshots into Photos on your Mac manually (select the iPhone in the Photos sidebar). It’s helpful to remove the original photos from the iPhone with the Delete Items checkbox after importing so you can manage them solely on the Mac.

    Then you can sync all the photos (or just desired ones, if your iPhone is low on space) back to your iPhone using the Finder. First, select the iPhone in a Finder window’s sidebar. Then click Photos in the button bar at the top, and select “Sync photos to your device from Photos” along with “All photos and albums” and “Include videos” in the options below. Finally, click Apply or Sync.

    Technically speaking, backing up your iPhone to your Mac without syncing to Photos also backs up your photos, but the only way to get them back is to restore a backup onto an iPhone. It’s much better to have all the photos accessible in Photos too.

Either way, once the photos are on your Mac, you should back up all your data using Time Machine, an Internet service like Backblaze, or a third-party app like Carbon Copy Cloner or SuperDuper. If you’re concerned about the quality of your backups for preserving photos, contact us for advice.

(Featured image by iStock.com/metamorworks)

Social Media: With new reports of iPhone theft victims being locked out of their iCloud accounts, it’s all the more important that you copy your iPhone photos to a Mac and then back up that Mac.

Set Your Apple Watch Clock Ahead a Few Minutes to Avoid Being Late

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Those who tend to cut things tight have a time-honored tradition of setting their watches ahead by a few minutes. That way, when you glance at your watch and realize that you need to leave, you actually have a few more minutes. You can do this with your Apple Watch, but only on the watch itself. Press the Digital Crown to see your apps, tap Settings, scroll down to and tap Clock, tap the button for Set Watch Face Display Time Ahead, and use the Digital Crown to choose your desired time adjustment. Note that this setting affects only the time you see on the watch face. All alarms and notifications will come in at the correct times.

(Featured image by iStock.com/Bobex-73)

Social Media: Want to give yourself a few more minutes to get to meetings on time? Use this little-known option to set the time displayed on your Apple Watch ahead by a few minutes.

How to Turn Mail’s Rich Website Previews into Plain Links

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Sometimes apps can be too helpful. Apple’s Mail on the Mac likes to turn pasted URLs into graphically rich previews, and sometimes that’s OK. But other times, the preview is confusing or takes up too much space. Or you may want to send a plain link so the recipient can see its text. There are three ways to avoid rich link previews:

  • Before pasting a URL into your message, type a space or any other text. Mail converts URLs to rich previews only when they’re on a line by themselves.
  • Hover over the preview, click the down-pointing arrow that appears, and choose Convert to Plain Link from the pop-up menu.
  • In Mail > Settings > Composing, change the Message Format pop-up menu to Plain Text. Although this eliminates rich link previews, it also prevents you from including formatting and images.

(Featured image by Adam Engst)

Social Media: Annoyed by how Apple’s Mail on the Mac turns pasted URLs into rich link previews? We offer three ways to avoid them.

Classical Music Fans Take Note: Apple Music Classical Is Now Available

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Apple has at long last released the promised Apple Music Classical app. It’s a free iPhone app for Apple Music subscribers that looks and works much like the standard Music app. However, Apple has adjusted it extensively under the hood to work better with classical music, where there are many recordings of the same work by different artists. Apple also improved the metadata—normalizing composer names and adding work and movement tags—for the 5 million classical tracks in Apple Music. For instance, you can search by work, composer, conductor, opus number, and key, something that worked poorly before. Apple Music Classical is a significant improvement for classical music fans, and it provides expert recommendations and playlists for those interested in getting started. Alas, there’s no Mac version yet, and the iPad is limited to using the scaled-up iPhone app.

(Featured image by iStock.com/cyano66)

Social Media: Whether you’re a classical music fan or a neophyte who wants to learn more, check out the new Apple Music Classical app, free for Apple Music subscribers. Its interface is designed for classical music, and it provides access to over 5 million tracks.

Reveal Your Desktop Quickly with a Keyboard Shortcut

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The Mac’s Desktop is a remarkably useful place. It’s a good spot for in-progress documents, screenshots, images dragged out of Web pages, and more. However, app windows tend to obscure the Desktop, making it harder to use. There are two quick ways you can temporarily hide windows, making it easy to access icons on the Desktop. In macOS 13 Ventura, in System Settings > Desktop & Dock, click the Shortcuts button at the bottom and assign a keyboard shortcut to Show Desktop (we like the Right Option key). Or click Hot Corners and choose Desktop for one of the corners. (In macOS 12 Monterey and earlier, look in System Preferences > Mission Control.) Then, press that keyboard shortcut or put your pointer in that corner to move your windows aside temporarily. When you’re done, press the key or move the pointer there again to put the windows back.

(Featured image based on an original by iStock.com/AmnajKhetsamtip)

Social Media: The Mac’s Desktop is a great place for in-progress documents, screenshots, and other things you’re working on, but only if you can get to it easily. Read on for two little-known tricks for temporarily pushing windows aside.

How Often Should Macs Be Replaced?

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It’s a question as old as the personal computer. When should you replace your current Mac with a new model that’s faster and more capable? If money were no object, the answer would be easy—whenever you feel like it. For the rest of us, and particularly for organizations with multiple Macs and limited budgets, the question is harder to answer. But answer it we must because most of us can’t do our jobs without a Mac.

Let’s first look at some of the things that might encourage you to upgrade:

  • Performance and resale value: Many companies and large organizations swap out their Macs every 3 to 5 years. That’s considered the sweet spot where performance starts to decline, but resale value remains relatively high. Plus, Macs of that age start to have more problems that may require repair, resulting in lost productivity due to downtime.
  • Hardware limitations: At some point, you might feel your Mac is too slow—you’re seeing the spinning beachball frequently, or tasks are taking too long to complete. Another common concern crops up when you frequently have to shuffle files around to deal with low disk space on the startup drive. Or perhaps the battery life of a Mac laptop isn’t always sufficient for your needs—losing hours of productivity while on an airplane without seat power can be problematic.
  • macOS support: Although there’s no requirement that you run the latest version of macOS, being unable to upgrade is a hint that your Mac is getting older. Apple provides security updates for the two versions of macOS before the current one, so if your Mac can’t stay within that update circle, it will become more vulnerable to security exploits.
  • Physical damage: Macs are fairly durable, which often keeps them running even when the screen is cracked, a key sticks sometimes, or the case has been dented. The more damage your Mac has, the more likely it is that something else will go wrong, potentially at an inconvenient time.
  • General flakiness: It’s hard to quantify this, but an older Mac might start to feel slow, crash more often, or act weirdly. Sometimes those problems can be resolved by reinstalling macOS and apps from scratch, but that’s a lot of work and far from guaranteed.
  • Repair support: Apple guarantees that it will provide parts and service for all products within 5 years of when Apple last distributed them for sale. After that, Apple considers the products “vintage” for the next 2 years and will repair them subject to parts availability. Apple considers products pulled from the market more than 7 years before to be “obsolete” and won’t repair them apart from Mac laptops that are eligible for an additional battery-only repair period.
  • Shiny new Mac: Sometimes, it’s easy to delay a new Mac purchase because none of the Macs seem quite right. At other times, however, the exact Mac you want will be released just when you need it, making for an easy decision.

With those variables in mind, let us offer recommendations for different audiences:

  • Large-fleet organizations: It’s probably not worth the time to consider the needs of every employee in the context of what Mac they have. Instead, create a policy for replacing Macs on a 3- to-5-year schedule you can build into your annual budget. When it’s time to replace a particular Mac, swap it out for a comparable new model and send the old one to a resale organization.
  • Small-fleet organizations: For companies and nonprofits with a smaller number of Macs and a smaller budget, stick with the same 3- to 5-year schedule, but instead of automatically replacing each Mac as its number comes up, use it as an opportunity to evaluate the user’s needs and then either replace the Mac or set the next evaluation date. You may end up replacing Macs slightly less often, perhaps every 4 to 6 years. It’s also more likely that old Macs will be handed down rather than resold.
  • Creatives and freelancers: If you live and die by the work you can accomplish on your Mac, pay regular attention to whether your Mac is meeting your needs. You’ll probably start to notice issues in 3 to 5 years, and as soon as you do, start watching Apple’s releases to see what new Mac might be the best replacement. Also, consider saving a small amount per month with the idea that you’ll have enough to buy your new Mac about the time the old one noticeably starts to cut into your productivity.
  • Home users: As long as the Mac meets your needs and can run a version of macOS that’s receiving security updates, there’s no harm in continuing to use it for 8 years or more. However, if it starts to need hardware repairs and repeated consultant visits, that’s an indication that you should spend the money on a new Mac instead. Once it can no longer run a supported version of macOS, it’s time for a replacement.
  • Fixed budgets: We get it—sometimes there’s no money for a new Mac. Assuming you can accomplish what you need to do and avoid sketchy parts of the Internet, go ahead and run your current Mac into the ground. It could last 10 years or more. And when it comes time to replace it, there’s no shame in looking to the used market—all those Macs that others are replacing often come up for sale at bargain prices.

We hope this has given you some structure for thinking about replacing Macs, whether you’re worried about the Mac on your desk or all those in the entire design department. And, of course, feel free to contact us for help putting together a replacement schedule.

(Featured image by iStock.com/Prykhodov)

Social Media: When should you replace the Mac on your desk—or your organization’s Macs? There is no single answer, but we run down some variables that play into the decision and make recommendations for different use cases.

What’s the Difference between Removing and Deleting an App?

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There are many reasons you might want to get rid of apps from your iPhone or iPad. To begin, touch and hold on a blank spot on a Home Screen to enter “jiggle mode.” Then tap the ⊝ icon for any app to see the question about whether to delete the app entirely or merely remove it from the Home Screen. Delete the app if you don’t want to use it anymore or need to reclaim the space it occupies. (You can download it from the App Store again.) Remove the app from the Home Screen if you want to reduce clutter, keep the app on your device, and don’t mind opening it from the App Library (swipe left past all the Home Screens) or from Search (swipe down from the middle of the screen).

(Featured image based on an original by iStock.com/Photosbypatrik)

Quickly Put Lots of Files in a Folder with One Command

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Imagine that you’re working with a bunch of files, and you want to put a set of them in a new folder. You could stop what you’re doing, make a new folder, select all the files, and drag them into the folder, like an animal. Or you could take advantage of a slick Finder command that Apple added in macOS 11 Big Sur. Simply select the files you want to put in a folder, Control-click one of them, and choose New Folder with Selection (X Items) from the top of the contextual menu. A folder called “New Folder With Items” appears, with your selected files inside. This feature may not be life-changing, but some people use it often.

(Featured image by iStock.com/ArLawKa AungTun)