Starting today, Apple's previously announced "High Yield" savings account is now available. Apple has partnered with Goldman Sachs to allow users to open a High Yield savings account where they can earn interest on the money in the account.

As of this writing, the interest rate offered is 4.15 annual interest. According to the Apple press release, that is "a rate that’s more than 10 times the national average". This is not an automatic process, you must actually setup an account.

Setup

There are a number of steps needed to setup the account. These steps are:

1. Open the Wallet app.
2. Open your Apple Card.
3. Tap on the three dots.
4. Tap on "Daily Cash".
5. Under "Daily Cash Election", tap on "Savings" to begin the setup. This will open an informational screen.
6. Tap "Continue". This will open the Social Security Number screen.
7. Enter in your full Social Security number.
8. Tap the "Next" button. This will bring up the "Savings Account Terms and Conditions" screen.
9. Tap on "Agree" to agree to the terms. This will bring up a "You're Almost There" screen.
10. Confirm whether or not you are Subject to Backup Withholdings from the IRS.
11. Tap on "Confirm and Open Account". Your account will be setup.
12. Once your account is opened, you will have the option of transferring your Apple Cash balance to your savings account. tap on "Transfer to Savings".
13. On the "Transfer to Savings" screen, you can enter in amount you want to transfer. You can also choose the source.

Adding Funds

There are a couple of different ways to add funds to your Savings Account. The first is by transferring from your Bank account. The second, and more common, is to automaticaly have your Apple Daily Cash automatically transferred into the savings account.

If you want to add funds to your savings account, perform the following steps:

1. Open the Wallet app.
2. Open your Apple Card.
3. Tap on "Savings Account". This will open up the "Savings" screen.
4. Tap on "Add Money" to bring up the "Add Money" screen.
5. Enter in the amount you want to add to your savings account.
6. Select the source for the funds to be added. By default this is your Apple Cash card.
7. Double-click the side button to confirm the transfer.

Withdrawing Funds

You can withdraw funds from your Savings Account. You can transfer money to your Apple Cash account or your configured bank account.

If you want to withdraw funds from your savings account, perform the following steps:

1. Open the Wallet app.
2. Open your Apple Card.
3. Tap on "Savings Account". This will open up the "Savings" screen.
4. Tap on "Withdraw" to bring up the "Transfer Money" screen.
5. Enter in the amount you want to withdraw to your savings account.
6. Select the destination for the funds to be added. By default this is your Apple Cash card.
7. Double-click the side button to confirm the transfer.

Changing Daily Cash Destination

You can change the destination of where your Apple Daily Cash gets deposited. This can be done by using the following steps:

1. Open the Wallet app.
2. Open your Apple Card.
3. Tap on the three dots.
4. Tap on "Daily Cash".
5. Under "Daily Cash Election", tap on your preferred destination.

Things to Note

There are a couple of things to note. First, this is only available in the United States. Secondly, interest accumulates daily, but is paid out at the end of the month. Third, you can transfer money instantly between Apple Pay Cash and your Savings Account. The last thing to note is that there is a limit to the savings account balance, it does max out at the currently FDIC insured amount of $250,000, at least as of this writing.

Closing Thoughts

The Apple Card High Yield Savings Account is an easy way to allow people to save money and having your Daily Cash be automatically added does make it a bit easier to save money. Having the capability of easily transferring money in and out means that you are able to manage your money as needed.

Source: Apple Newsroom

The surgeons behind the game have been busy and have had added some new features for you. The biggest addition is questions for Season 2 are now here. This brings the total number of questions to 1,202 for both seasons 1 and 2. Along with the questions, a character has been added to the Duty Roster, Lieutenant Kelleye. She was inadvertently missed amongst the people who were in the most episodes.

There have been some scrapes and bruises that have been bandaged up too. Most notably supporting character names are now consistent. We have also made some minor tweaks to make things a bit easier, particularly no longer using acronyms in many cases, especially when referring to military ranks. Questions and answers are now consistent with the following ranks:

• Colonel instead of Col.
• Major instead of Maj.
• Captain instead of Capt.
• Private instead of Pvt.
• General instead of Gen.
• Lieutenant instead of Lt.

Along with expanding the ranks, we fixed some other abbreviations to be consistent. These changes include:

• P.A. for Public Announcement
• O.R. for Operating Room
• V.D. for Venereal Disease

You can now send an email to support. This is done via the "About" screen. Lastly, support for the latest Macs and iPads has been added too.

We have just completed the first full quarter of 2023, and it is time for March's reading list. In March I listened to 16 titles, of which one was new and that new title is the one I want to highlight for the month.

The title is "Destructive Reasoning (Authorities Book 2)" by Scott Meyer.

An actor is brutally murdered while sitting alone in his fully locked car.

A note arrives claiming responsibility and explaining the man died not for who he was, but for who he pretended to be. He played Dr. Watson in a production of Sherlock Holmes. The note promises to kill everybody in Hollywood currently playing Dr. Watson: a surprisingly long list.

Billionaire Vince Capp sends his crime fighting team, the Authorities, down from Seattle to solve the crime, stop the killer, save lives, and above all else, increase their national profile. But it won't be easy. Detective Sloan will have to wrestle with the most irritating case of her career while two of her key operatives are terribly distracted: Rutherford has found a new role model to follow and emulate, and Max must tangle with a mysterious figure from a past he'd rather forget.

Destructive Reasoning is book two in the Authorities series: a funny, thrilling, confounding mystery in a setting of Hollywood glamor viewed with Seattle ironic detachment.

I am not sure how many titles I will end up listening to in April, I am sure it will be at least a few, but beyond that I do not know.

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