Category Archives: Finance

Introducing Apple Card, A New Kind of Credit Card Created By Apple

Apple today announced Apple Card, an innovative, new kind of credit card created by Apple and designed to help customers lead a healthier financial life. Apple Card is built into the Apple Wallet app on iPhone, offering customers a familiar experience with Apple Pay and the ability to manage their card right on iPhone. Apple Card transforms the entire credit card experience by simplifying the application process, eliminating fees, encouraging customers to pay less interest and providing a new level of privacy and security. Available in the US this summer, Apple Card also offers a clearer and more compelling rewards program than other credit cards with Daily Cash, which gives back a percentage of every purchase as cash on customers’ Apple Cash card each day.

A Credit Card Designed for iPhone

Customers can sign up for Apple Card in the Wallet app on their iPhone in minutes and start using it with Apple Pay right away in stores, in apps or online worldwide. Apple Card gives customers easy-to-understand, real-time views of their latest transactions and balance right in Wallet, and Apple Card support is available 24/7 by simply sending a text from Messages.

Easy-to-Understand Spending

Apple Card uses machine learning and Apple Maps to clearly label transactions with merchant names and locations. Purchases are automatically totaled and organized by color-coded categories such as Food and Drinks, Shopping and Entertainment. To help customers better understand their spending, Apple Card provides weekly and monthly spending summaries.

Receive Daily Cash

Customers will receive a percentage of every Apple Card purchase amount back as Daily Cash. Unlike other cash back rewards, Daily Cash is added to customers’ Apple Cash card each day and can be used right away for purchases using Apple Pay, to put toward their Apple Card balance or send to friends and family in Messages. Every time customers use Apple Card with Apple Pay, they will receive 2 percent Daily Cash. Customers will also get 3 percent Daily Cash on all purchases made directly with Apple, including at Apple Stores, on the App Store and for Apple services.

No Fees and Lower Interest

There are no fees associated with Apple Card: no annual, late, international or over-the-limit fees. Apple Card’s goal is to provide interest rates that are among the lowest in the industry and if a customer misses a payment, they will not be charged a penalty rate.

To help customers make informed choices, Apple Card shows a range of payment options and calculates the interest cost on different payment amounts in real time. As a way to pay less interest, Apple Card will also suggest paying a bit more every month and offers the flexibility to schedule more frequent payments.

A New Level of Privacy and Security

A unique card number is created on iPhone for Apple Card and stored safely in the device’s Secure Element, a special security chip used by Apple Pay. Every purchase is secure because it is authorized with Face ID or Touch ID and a one-time unique dynamic security code. The unique security and privacy architecture created for Apple Card means Apple doesn’t know where a customer shopped, what they bought or how much they paid.

Goldman Sachs and Mastercard

Apple is partnering with Goldman Sachs and Mastercard to provide the support of an issuing bank and global payments network. As a newcomer to consumer financial services, Goldman Sachs is creating a different credit card experience centered around the customer, which includes never sharing or selling data to third parties for marketing and advertising. Mastercard will provide cardholders the ability to shop at merchants around the globe.

A Beautiful Titanium Card

Apple has also designed a titanium Apple Card for shopping at locations where Apple Pay is not accepted yet. With no card number, CVV security code, expiration date or signature on the card, Apple Card is more secure than any other physical credit card. All this information is easily accessible in Wallet to use in apps and on websites. For purchases made with the titanium Apple Card, customers will get 1 percent Daily Cash.


Apple Card will be available to qualified customers in the US this summer.

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Stephen King Earned 27 Million Dollars in 2018

According to Forbes, Stephen King is the third highest paid author in 2018 earning $27 million. The king of horror sold 2.7 million domestic books, boosted by the success of the movie version of IT, adapted from his 1986 novel. King nearly doubled his earnings by collecting an eight-figure paycheck from the film, which grossed $700 million worldwide on a $35 million budget. The movie became the highest-grossing R-rated horror movie at the domestic box office, and the sequel, planned for next fall, could break that record again.

To formulate the rankings, Forbes looked at “all earnings estimates from June 1, 2017, through June 1, 2018. Figures are pretax; fees for agents, managers and lawyers are not deducted. Earnings estimates are based on data from NPD BookScan and Box Office Mojo, as well as interviews with industry insiders, including some of the authors themselves.” 

This year’s top-earning authors are:

1. James Patterson ($86 million)
2. J.K. Rowling ($54 million)
3. Stephen King ($27 million)
4. John Grisham ($21 million)
5. Jeff Kinney ($18.5 million)
5. Dan Brown ($18.5 million)
7. Michael Wolff ($13 million)
8. Danielle Steel ($12 million)
8. Nora Roberts ($12 million)
10. Rick Riordan ($10.5 million)
10. E.L James ($10.5 million)

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Precautions To Be Taken To Avoid Failure In A Startup Business

“Life is the second name of risk” is a practically proven reality and no matter of life whatsoever is absolutely risk-free. So, one must remain ready and mentally alert to face every kind of risk in life. But, apart from everything else, the risk involved in a startup business is always huge and disastrous no matter how big or small the business may be. A starter is often much worried about a possible loss at the very start and tries his level best to escape a possible failure. They may also take a comprehensive guideline from Pc America POS reviews. Realizing the gravity of the issue, l have put forth a few recommendations for the starters to follow in order to avoid failure in business.

Sufficient Money

A lot of businesses fail due to the lack of sufficient funds to finance the business at the right time. This is because of the wrong estimation about the required investment and the running finance. Whenever there is a sudden need for money to accomplish some specific task in the business, the owner must have enough of it to achieve the task conveniently. Obviously, it is almost impossible to estimate the actually required amount to start a business and run it through all phases. Moreover, readily available cash also gives the owner an extra confidence and courage to cope with the abrupt needs whatsoever. 

Sound Planning

Planning has two aspects: An overall planning and a time-to-time planning. Overall planning requires a long-term vision keeping in mind the general features and phases of a business and the ups and downs involved at various stages. If it carries on as per expectations, it is quite well and good. But if the tables turn unexpectedly, it is the time-to-time planning which helps the owner tackle this crisis sensibly and successfully. So, both types of planning must be there in the mind of the owner. A strong co- ordination among the various departments of the business must be a key part of the planning so that minimum risk may be involved. 

Efficient Teamwork

No planning or co-ordination is possible without an efficient team or teamwork. The proper execution of the planning is possible only with the help of efficient team members who are both technically and morally befitted for their job. An owner alone cannot run his business successfully no matter how much sharp minded and hard working he may be. He always needs sincere people to execute his sound planning professionally. The starters may learn a lot in this regard if they visit Pc America POS admin

Broadminded Leadership

Even a very good team will not click without a sensible leader and the business may get collapsed. Instead, a wise and broadminded leader will be able to handle each and every team member as per demand of the situation and the business will keep on progressing. Hence, it will be very wise for an owner to analyze his own personality critically and groom within himself the required aspects of a great leader he may be lacking in. A good leader does his research, draws up his plan, delegates responsibilities and does the training whenever necessary.

Consult an Expert

In spite of all the vision and efforts, an owner can never be a full-on business and corporate finance expert. A really professional expert will surely plan a business the way it needs to be. So, an owner should think of hiring an expert as a necessary investment so that he may feel free and have ample time to focus on the other areas of his business as well.

These are some of the necessary precautions which, if taken, will surely save one’s startup business from failure.

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Disney Buys 20th Century Fox & 20th Century Fox Television

The Walt Disney Company has purchased 21st Century Fox, including the 20th Century Fox Film and Television studios, along with cable and international TV businesses. The deal includes 20th Century Fox, Fox Searchlight Pictures, Fox 2000, 20th Century Fox Television, FX Productions, Fox21, FX Networks, National Geographic Partners, Fox Sports Regional Networks, Fox Networks Group International, Star India and Fox’s interests in Hulu, Sky, and Endemol Shine Group.

The deal doesn’t include the Fox Broadcasting network and stations, Fox News Channel, Fox Business Network, FS1, FS2 and Big Ten Network. Those will be spun off into a newly-listed company.

The acquisition will include popular entertainment properties including X-Men, Deadpool, The Fantastic Four, Avatar, and The Simpsons.

It has also been revealed that The Walt Disney Company Chairman and Chief Executive Officer Bob Iger has agreed to continue in the position through the end of calendar year 2021.

You can read the full press release HERE.

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Maybe It’s Time To Invest In The Alternative Movie Poster Business


Illustrator Tom Whalen talks about art, movies, and the niche collecting community of alternative movie posters.

Check out more of Tom’s work at

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The Soaring Popularity of Binary Options Trading in Canada

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The phenomenon of trading binary options has grown exponentially across the globe and Canada is not left behind. With hedge fund managers filling the top spots for people living large in the USA and Europe, it’s only logical that interest in binary trading should be on an all-time high. Although there is no proper legislation on binary options trading in the country, it is a legally acceptable enterprise.

Why Binary Trading

First, options have very high rewards and quick payouts. Returns can be in a few minutes, hours, days or even weeks depending on the trader. Second, trading in options does not necessarily require one to have an educational background in finance or economics. Anyone who can learn how the system works can be a good or excellent trader. Third, unlike stock trading, options allow you to generate returns when prices are both rising and falling. If you can predict a rise in the market, you purchase a call option and put option for a fall in the market. Also, you have quite a variety of assets to trade in. Fourth, you are not limited by demographic barriers. Being a fairly new concept, there are currently no set regulations on binary options trading. This allows you to trade freely. Canadians can trade with both internal and international brokers.Fifth, binary options trading is a global concept. Canadians can benefit from the volatility of international markets like the Asian and European markets. If one market is not doing well, traders can shift to the other increasing profitability.Sixth, most sites offer advanced technologically innovative features like the availability of trading binary options online. This further makes it easy to keep track of your trades even when in motion.Seven, you have bonuses. Most brokers give their clients bonuses at the end of a given trading period. This increases the profitability of the venture. Some of the best binary options sites in Canada include RBoptions which allows you to make a midsized deposit, AnyOption, 24option and Banc de Binary amongst others. Last, it happens within the comfort of a trader’s home. You are your own boss. You have full control of when and how to work.

What are the attributes of a good trader?

The most important quality of a good trader is self-discipline. You should have a clearly defined strategy that you should adhere to. Write it down. You should exercise patience. Don’t rush to make a trade because you have gone too long without making a trade. Wait to make the perfect one. Second, you should have control over emotions. Avoid emotional attachment to a trade. Don’t trade out of excitement or boredom. Third, you should be a moderate risk taker. Trade only what you can afford to lose. Split your capital. Do not put all your capital in one trade. Last, you should be ready to research extensively. This gives you a feel of the market. Go back over the years and get a general idea of what cycle the market is in.


Canadians are especially at an advantage due to the closeness in value between the US and the Canadian dollar. Like any other business, immediate success is not guaranteed. However, one need not be a mathematical genius to excel in the trade. Traders are living large, buying expensive yachts and traveling the world over. It could only mean one thing: the returns on binary options trading are big.


How To Be Entertained On A Budget

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We spend a lot of money each year in our efforts to be entertained. According to the United States Department of Labor, Bureau of Labor Statistics, the average American spent $2,482 on entertainment in 2013. That figure seems pretty steep, but there are some things that we can do in order to reduce the amount of money we spend in our own households.

Discounted Movie Tickets

Everyone wants to see the hot, new movie as soon as it premieres on the weekend, but that is also the most expensive time to see a film at the cinema. You can save a little cash by waiting until the weekend is over, as midweek prices are generally quite a bit lower. Most movie theaters also offer “early bird specials” wherein you can get a deeply discounted ticket for the first showing of the day.

An added benefit of going to the movies early in the day is that you have your choice of seating since the theaters aren’t as packed as the more popular late night showings. You can even get these savings when you purchase your tickets in advance through sites like Fandango.

Have a Lunch Date

Another benefit of going to the movies early is that you can hit your favorite restaurants for lunch instead of dinner. The lunch menu at restaurants is typically much more affordable than the dinner menu. Impress your date by taking her to a “fancy” restaurant during lunch hours, it won’t be as expensive as dinner, but you still get the brownie points of taking her somewhere nice. You also get to experience trying new cuisine that you may not have been able to otherwise afford.

Local Performance Theaters

You don’t have to see a show on Broadway to enjoy a live performance. May towns and cities have local theaters with affordable ticket prices; some are even free to attend! Look up your town’s community theater and see what they’re offering. They usually have several different performances to choose from, some of which are specifically geared towards families and children. Local performances can be a great, inexpensive way to get in some entertainment as a family. If you’re lucky enough to live near a major city, you can also look on Ticketmaster for events near you.

Decide to Stay In

Nowadays you don’t have to even leave the house to be entertained. Cable and satellite companies have comprehensive packages with hundreds of channels available. It is also less expensive than seeing new movies at the cinema when they come out.

Services like Directv on demand allow your whole family to rent new movies at one low price, which certainly saves over purchasing four separate tickets at the cinema. Plus, it’s very flexible. Unlike with theaters, where you have to work around their show times, with on demand you choose the time that is convenient for you and your family. There are often discounts online that can save you money on the overall service as well.

It just goes to show that you don’t need to break the bank in order to be entertained. There are many ways to save money on entertainment, like going to early bird movies, and eating out for lunch instead of dinner. Utilize your community for inexpensive and family friendly entertainment in the form of live performances, or small art galleries. Or stay in and enjoy entertainment from the comfort of your own home, surrounded by your friends and family. The choice is yours.

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iCracked Will Buy Your Old iPhone From You While You’re In Line For Your iPhone 6 On Friday September 19, 2014


If you’re planning on standing in line at an Apple Store for an iPhone 6 or 6 Plus this morning, you might be able to actually sell your old iPhone while you wait and have money available to buy the new device.

iCracked has a brilliant idea they’re trying out tomorrow. They’ll have techs on hand to look at your old device, make an estimate, and if you accept, they’ll hand you a debit card that you can use to pay for your new iPhone.

iCracked is an international company that employs 677 “iTechs” to do iPhone and iPad repairs on-site. The company also buys used equipment, and is known for its “do it yourself” repair kits as well.

Of course, not every Apple Store will have someone on hand, but iCracked techs will be on hand at the following Apple Stores:


Phoenix, Biltmore

Scottsdale, Scottsdale Quarter


Berkeley, 4th Street

Burlingame, Burlingame

Canoga Park, Topanga

Glendale, The Americana at Brand

Irvine, Irvine Spectrum Center

Los Angeles, The Grove

Los Gatos, Los Gatos

Modesto, Vintage Faire

Newport Beach, Fashion Island

Northridge, Northridge

Palo Alto, Palo Alto

Pasadena, Pasadena

Rancho Cucamonga, Victoria Gardens

Roseville, Roseville

Sacramento, Arden Fair

San Francisco, Chestnut Street

San Francisco, San Francisco

San Luis Obispo, Higuera Street

Santa Barbara, State Street

Santa Monica, Third Street Promenade

Thousand Oaks, The Oaks


Boulder, Twenty Ninth Street

Denver, Cherry Creek

Littleton, Aspen Grove

District of Columbia

Washington, Georgetown


Miami, The Falls

Miami Beach, Lincoln Road


Chicago, Lincoln Park


Boston, Boylston Street


Reno, Summit Sierra

New Jersey

Cherry Hill, Cherry Hill

Marlton, Sagemore

New York

New York, Fifth Avenue

New York, Grand Central

New York, SoHo

New York, Upper West Side

New York, West 14th Street


Portland, Pioneer Place


Philadelphia, Walnut Street

Pittsburgh, Shadyside


Austin, The Domain

Dallas, Knox Street


Murray, Fashion Place

Salt Lake City, City Creek Center


Richmond, Short Pump Town Center


Seattle, University Village

Spokane, River Park Square

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Apple Unveils Apple Pay Mobile Payment System

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Apple has formally introduced its own mobile payment system, Apple Pay. CEO Tim Cook described the “outdated and vulnerable magnetic stripe interface” on credit cards before introducing the system. A short demo was shown — twice — illustrating the ease and quickness of the payment process.

Apple Pay uses NFC, Touch ID, and the new Secure Element chip to process transactions at compatible credit card terminals in certain retailers. The system uses a one-time payment number and a dynamic security code. Payments can also be suspended using Find My iPhone if your iPhone gets lost. The system uses one-touch checkout, with no need to enter card numbers, type addresses, or share information with a retailer. Apple does not receive your purchase information when the system is used.

The system will launch with the support of American Express, MasterCard, and Visa, in addition to a number of large banks. Many large retailers will use Apple Pay at launch. It will only be compatible with the iPhone 6 and iPhone 6 Plus to start, and it’s coming in October.

Tagged , To Acquire Digital Comics Company, ComiXology

799px-Amazon_com-Logo_svg today announced that it has reached an agreement to acquire comiXology, the company that revolutionized the digital comics reading experience with their immersive Guided View technology and makes discovering, buying, and reading comic books and graphic novels easier and more fun than ever before.

“ComiXology’s mission is to spread the love of comics and graphic novels in all forms,” said David Steinberger, co-founder and CEO of comiXology. “There is no better home for comiXology than Amazon to see this vision through. Working together, we look to accelerate a new age for comic books and graphic novels.”

“Amazon and comiXology share a passion for reinventing reading in a digital world,” said David Naggar, Amazon Vice President, Content Acquisition and Independent Publishing. “We’ve long admired the passion comiXology brings to changing the way we buy and read comics and graphic novels. We look forward to investing in the business, growing the team, and together, bringing comics and graphic novels to even more readers.”

Founded in 2007, comiXology offers a broad library of digital comic book content from over 75 of the top publishers as well as top independent creators. Following the acquisition, comiXology’s headquarters will remain in New York.

Terms of the acquisition were not disclosed. Subject to various closing conditions, the acquisition is expected to close in the second quarter of 2014.


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