Category: iOS stuff

05/18/22 – What Is The Apple Card?

I paid $4.59 for gas yesterday.  According to a major bank, the average may be $6.20 by summer.  A discount grocer I shop at used to sell eggs for $1.19.  They are now $2.45.  I don’t think these issues are going away any time soon.  The valleys of life sometimes entail living with the consequences of others’ (poor) decisions.  2022 is going to be one of those times.

but there are — Stories of Hope

My 89 year old great aunt and 94 year old grandmother recently have recovered from Covid 19 after getting infected about 1 month ago.  Recovery is possible, common, and likely.  Both took the new anti-viral medications.  I believe early treatment is essential, whether you take conventional or unconventional paths.  Once again you are able to order 8 free tests for your household. It takes a minute to fill out the form.  Here is another tool for your tool bag.  

COVID.gov/tests – Free at-home COVID-19 tests

Computer Speed Up Specialist

Do you have a 3 to 7 year old Windows computer that is starting to get a little slow?   Are you put off by the supply shortages and the cost of buying a new computer?   I think I may have an answer for you.   Unlike modern Macs, that have all soldered in unremovable parts — most Windows systems have a replaceable hard drive.  If your system seems that slow, you can likely benefit from a replacement with a solid state drive (SSD).  I make sure your files are backed up and then re-install Windows and your essential programs and copy your files back on to the computer.  This is a real jolt in the arm for your PC and it likely feels faster than when the computer was new.  These jobs can take as  little as 2 hours.  I just did one last week for a client that was 3 hours.   When choosing your next computer, only get one with an SSD in the future.  The Windows and Mac operating systems are meant for SSDs, in fact it is not possible to buy a Mac without one. 

Apple Card

Welcome to the world of high tech finance, I suppose.  For years, customers have always been able to finance an Apple product and get a certain number of interest free payments, at least on their first purchase.  Most recently, shoppers were offered a Barclays Apple Rewards Visa.  However, in 2019 Apple decided to take things in house and offer their own Mastercard called the Apple Card.  Apple is putting their name on it and demanding certain standards, but the banking back end is provided by the consumer division of Goldman Sachs. 

Why might someone want the Apple Card?

Well you get a card made out of titanium that is heavy and makes you feel important.  (Come on, that’s not a valid reason!) OK, getting serious here — the Apple Card seems like a valid choice for customers that regularly shop from Apple.  There is 3% cash back on all Apple purchases.  Interest free financing can also be used with all Apple purchases.  Furthermore, the card is automatically added to the Wallet app on the iPhone.   For any “tap to pay” situation, there is 2% cash back.   (There is also 1% cash back whenever you use the physical card).  The card can be used wherever Mastercard is accepted.  The full card number is not printed on your card.  It can be looked up in the Wallet app and a new number can be issued in the event of a security issue.

How to apply?

You apply using the Wallet app on your iPhone.  It’s very simple and takes about 5 minutes.

Who is this not for?

The Apple Card is not for someone who wants paper statements or to send in a check every month.  You really need an iPhone to be a card member.  You will make your payments through the Wallet app or by logging on to a website on the computer with your Apple ID and password. 

Lets Get Down To Business

Starting Light — Beverage Pick Of The Week

I probably have 2 alcoholic drinks a year, so my beverage pick is going to be something else.  Diet soda can be taboo, but some people just prefer it or can’t handle a regular cola.  I don’t drink a lot of soda, but I am a big fan of Polar beverages based in Worcester.  I just happened to see a liter of their Diet Cherry Soda at the grocery store.  I’m so glad I took a chance.  Its the best tasting soda I’ve ever had.  Moxie would be #2 for me. 

Tech Tips You Can Use

I think it’s a great idea to Restart or Shut Down your computer every week or at least every two weeks.   Macs and Windows PCs can be restarted.  iPhones and iPads must be Shut Down, by either going to Settings >> General >> Shut Down or by pressing the the correct buttons (hope I’ve shown you this already).   Some Android phones have a Restart feature, some will also need to be shut down.  The shut down should just be temporary.   I do not believe in shutting down the computer every night.  Repeated on and offs will shorten its life.  Just let your computer go to sleep.  This way it will get its updates.


Deal of the Day (and in General)

Fifty dollars off on a Mac computer is a deal, even in these times, but the $699 Mac Mini is priced to sell from the get go.  This model has the 256 GB SSD hard drive  and is really targeted to those  users who are doing email, shopping, browsing, and banking with small collections of photos and music (not tons of files).  Amazon often has this model for $650 which is great but while supplies last they are selling it for an amazing $570.  A steal!   Keep in mind with the Mac Mini you provide your own keyboard mouse and monitor and speakers but you can buy these economically.  Apple brand is not required.  Under $1000 for a Mac desktop all in sounds like a winner to me.  Amazon link https://amzn.to/3sxYvxs

Coming Soon To A Theater Near You

Well — it should be a live streaming event and not a theater, but I expect Apple to release a new iPhone SE as soon as this month.  It is expected to feature 5G radios for the first time.   With ATT, Verizon, and T-Mobile operating only on 4G and 5G signals by the end of the year – I’ll be curious to see if Apple can include 5G for the past $399 price.  Anyway, the SE is the winner winner chicken dinner of the low cost iPhone options.  Get the 13 if you need the better cameras, but the the SE is still a fine phone. 

Song of the Week

On this back to business theme, how could I not close with a song with the chorus line of “let’s get down to business.”   Put on your dancing shoes, get up and move.  Here is a techno song from your tech guy.  “The Business” by Tiesto. https://m.youtube.com/watch?v=PO_d169ibZ8

Coming Down The Pike

Scams Reminder

Remember — there are no real emails from Norton asking you to pay large sums of money, no legitimate car warranties calling you, no arrested grandsons calling for money, and no legitimate popups on the computer saying you are infected with a phone number.  (I feel like I can never give these warnings enough because every week I get asked about such scenarios). 

Coming Down The Pike

iPhone SE

I have some credible rumors that Apple will be hosting a technology event next month (or just a product release) and that the iPhone SE is likely to be updated.  There may even be a new Mac Mini.  My clients were very receptive to the iPhone 8 sized SE that came out in early 2020.  While I still prefer the better battery life and features of the iPhone 13 series, a $400 SE is really all that some people need or want.  It gets the job done.  It facilitates Facetime calls.  It allows you to send those blue iMessage text messages to all of your friends (more secure text messages).  From what I’ve read, the new SE will still be $399 and should sport 5G radios.   If you are hanging on to a 7 or 8 or even want to upgrade from your previous SE — this may be the phone for you. 


Windows 11

On every Windows computer I’ve touched, I have turned out or opted out of the Windows 11 update.   Keep in mind that Windows 11 will only be available for late 2017 and newer Windows computers.  I think there will be significant updates between now and the summer.  On a new computer, we may not be able to avoid Windows 11 and that’s ok.  It’s not a disaster.  Installing a familiar Start Menu app – like Start 11 can make Windows 11 a lot more friendly.  Later in the year, I think it may be fine to upgrade to Windows 11. I’ll keep you posted. 

Updates

I always say your iPhone will update automatically, so will Windows and so will your Mac.  Then those updates don’t happen.  So I think it a good idea to check at least once a month.  You should know how to do it by now

iPhone / iPad:  Settings >> General >> Software Update

Windows:  Start Menu >> Settings (or Search)>> Update & Security

Mac:  Apple Menu >> System Preferences >> Software Update

Do Not Buy Apple Watch 3

Dear Clients and Computer Students:

I wanted to send this update now — just in case you are thinking of buying an Apple Watch over this holiday weekend. 

Consider this a PSA with direct language that Apple is never going to deliver to you.  Please feel free to forward to anyone you know that has an Apple Watch.

People are getting out more.  They want to exercise and breathe in the fresh air.   I recall sitting in on a training class in 2018 about the Apple Watch and everyone other than me in the class was a senior.  I’m not surprised by this now, but I truly was at the time. 

Here is the problem — the Apple Watch is not cheap.  It is a fitness oriented computer on your hand.   The best Apple Watch sold right now is the Apple Watch 6.  With  one of the sport bands and the standard aluminum case, it starts at $399.  That is what you should expect. It’s a $400 watch!  You have to really want to use it.  It’s not a fashion watch.  Once you get into the stainless steel case and better bands — the price goes up by several hundred $.    It’s a computer.  And you still have to charge it up every night.   The Apple Watch 6 has the senior friendly fall detection feature, tracks your heart rate, but also can measure your blood oxygen and does a basic ECG (not as good as the doctor’s office but has been very helpful for some).  

If you want most of the fitness features including heart rate, steps, and fall detection but a more modest price point – Apple started selling the Apple Watch SE in 2020 for $279.  It’s a reasonable offering for the price.

However, here is where the crimes start!!

In order to say they can sell you an Apple Watch for $199 — Apple has continued to sell the Apple Watch 3.    It is a 4 year old Apple Watch.  Those early models were not meant to go for 4 years.  Apple is fooling their customers.

DO NOT BUY AN APPLE WATCH 3!   IF YOU HAVE ONE, AND WANT CONTINUED ENJOYABLE USE — YOU WILL PROBABLY HAVE TO GET A BETTER ONE. APPLE SHOULD APOLOGIZE TO YOU IF YOU RECENTLY BOUGHT ONE.

Sitting back down at my seat, rather than standing on it, I will say that due to a recent update of the iPhone, the next update of the Apple Watch (which gets updated via the Watch app on the iPhone) will require a complete erasure of the Apple Watch 3 and a reinstallation of the operating system.  This may take hours.  The Apple Watch 3 has a hard drive that is too small to handle the new software versions as a simple update.   Apple needs to stop selling it.

So the the Bottom Line is — The Apple Watch 6 is a $400 + investment, definitely geared toward older / active adults and has the most features.  You may be able to get away with the Apple Watch SE at $279 if you don’t care about the O2 monitoring and ECG.   Do not buy  the Apple Watch 3.  You are throwing money away.  If you have one, you’ll need to upgrade sooner than later.  If you want a fitness tracker in the $100’s with heart rate and steps — The Fit Bit Charge 4 provides a great cost / function proposition.

Important Security Update

For iPad and iPhone

If you have an iPhone or an iPad (even an Apple Watch) – there is an important security update that I just got notice of on Friday.   It is known as iOS / iPad OS 14.4.2.   This update fixes a critical flaw in Web Kit.   Web Kit is the engine that powers Safari (all the website browsing you do) on those devices, along with any apps that might render parts of websites.    Without Web Kit, the iPad / iPhone does not function. This update covers the iPhone 6s and later and iPad Air 2 and later.   Even though Apple is not updating the iPhone 6 and original iPad Air anymore, Apple did you a real favor.  They have issued an OS 12.x update for these 2 as well so that you have the Web Kit fix as well.

Settings >> General >> Software Update.    Get Updating!


Erasing Product Mistakes

Don’t you just hate it when technology companies remove features or services that we like?  It is so frustrating.  There may be some hope.   The 2015 Mac Book Pro and Mac Book Air had such a solid design.  These were reliable machines.  They were a joy to type on.   However, when the Mac Book Pro was updated in 2016 (and the Air in 2018), there were only two to four ports to plug things into (one used for charging) and the keyboards were flat as a pancake.  On the higher end Pro models, they added a stupid Touch Bar with animated keys instead of the traditional Esc, F1, F2, etc, etc.   Awful!!

As I have previously shared, they corrected the keyboard with the 2020 laptops.  Rumors are swirling now that Apple will remove the Touch Bar in the 2021 models and (drum roll please) bring back a Mag Safe charger.   If you recall that pre-2016 charger, it would easily disconnect if you walked into the cord — saving your laptop from damage and flying off the desk.    Apple is going back to the old paths.  I like the old paths. 

Apple also reverted to old design cues and features with the iPhone 12 models.  You should strongly consider one for your 2021 iPhone purchase.   Remember the flat edges (sharp in a good way) of the iPhone 5, 5s and iPhone SE (2016)?   Apple went back to that design with the 12’s that came out last fall.   Furthermore, they are using only Qualcomm modems once again after using inferior Intel modems for a few years. Customers are reporting better signal performance in many instances. 

Finally, not everyone likes using the Face ID on the iPhone 10 and later models.  It can be a royal pain with a mask on.   On the most recent iPad Air (the middle model), Apple re-introduced a Touch ID sensor.   We can only hope they offer this on the 2021 iPhone models as well.

iPhone 12 Event

Apple had their big virtual iPhone 12 event today.  I just got finished watching it live.  I know that some of you are in the market for new iPhones, so I wanted to give you the skinny.  Apple unveiled 4 new iPhone 12 models.   The 12 Mini ($699), the 12 ($799), the 12 Pro ($999) and the 12 Pro Max ($1099).   The giant Max actually clocks in at a price reduction from last year’s model. 

The iPhone 12 — 6.1 inches is expected to be the biggest seller of the bunch, sporting the same screen size as the 2018 iPhone XR and 2019 iPhone 11, although fitting everything into a tighter body.   The iPhone 12 Pro is actually larger than the iPhone X (2017),  XS (2018), and 11 Pro (2019), so that might be a consideration for you. 

The 12 Mini is for those iPhone who want the smallest possible size, however the actual screen is larger than the iPhone 6 – models and the overall 2020 SE model. The body is smaller than those previous phones.

All of the new iPhone 12 models support 5G in both the “normal” and ultra wide band frequencies.  As I mentioned a few weeks ago 5G is just getting of the ground, so you are really future proofing yourself with these iPhone 12 devices.   And of course, if you want a budget friendly iPhone with a familiar look the SE @ $399 is still a great choice.

Fall Is Peak Season For Technology

5G – Here And Getting Closer

I outlined some basics on the new 5G towers a few weeks ago, but I wanted to simplify and add to it as well.  Basically there are two 5G technologies being deployed in this country at the moment, sub-6 and mmWave.  T-Mobile and ATT are going mostly with the sub-6, which will reach more people.  Verizon is going with mmWave, which is even faster but restricted to specific spots like stadiums, stations, or a place like Times Square.  Consequently, Verizon is way behind.  Ultimately, all of these carriers will deploy a mix of both types of 5G towers.  If you are due for a new phone, I am going to give you my opinion as to when 5G should mean something to you.  This does not mean give up on your carrier or that your carrier is bad or that you need to throw out your 6 month old phone to get a 5G phone.  I’ve uttered no such words.   I got a real life test of 5G on the T-Mobile network in Boston last week.   My wife’s 5G Samsung clocked in at double the speed of my iPhone 11.   Therefore, if you are a T-Mobile customer — I would say the time to buy a 5G phone (again if you are phone shopping) would be as soon as these iPhone 12 models come out.  Then you will have a mix of low end phones like the Revvl 5G, or the Samsungs, and the iPhones to choose from — all with 5G.   ATT is at the middle of the pack.  Their 5G is not as widely deployed as T-Mobiles, but they are getting there.  If you still want to save some money by buying that iPhone SE, go for it.  But by 2021, early next year, I think you should definitely be considering a 5G phone if you are phone shopping.   With Verizon, on the other hand, I think there is no rush to get a 5G phone — probably until the 2nd half of next year.  Ultimately, two years from now, Verizon may end up having the best 5G network.  Slow and steady wins the race?  We hope or they hope!  Rumor has it that only the super expensive iPhone 12 Pro Max model will even be able to communicate with Verizon’s mmWave towers.  The other 3 models coming out this fall will not.  If I were a Verizon customer, 5G wouldn’t even be a part of my thought process yet.  (And yes, you can still buy any of the other iPhone 12 models to use with Verizon’s existing network.)

Fall Is Peak Season For Technology

Fall is the busy season in my business and in the world of personal technology.  We will see new iPhones before the end of October, perhaps in two separate launches for the 4 models expected to be released.  New Apple Watches as well as iPads (possibly) will be coming out next week from Apple.   There will be brand new computers from Microsoft, including a reported “moderately priced” Surface laptop.  Wait there’s more!   Apple is coming out with a brand new macOS 11 which is supposed to be the biggest deal for the Mac in 20 years since OS X came out.  Finally, ioS 14 / iPad OS 14 will be here quite soon. Let’s make sure you have a backup first.  And for my students in the back of the class, if you have a 5+ year old Verizon flip phone (iPhone 5s or 5c too), it’s time to get a new one.  Verizon is retiring its old calling network on 12/31/2020.  Your old phone will be a paperweight.  What a season we can have together — I’m looking forward to being there for you, every step of the way!  Now you know why I get excited about the fall!!

Your iPhone Records Everywhere You Go–How To Turn Off

Just wanted to give you all a mid-week blast. This came across my desk today and I thought some of you would want to flip the switch to turn it off.

I learned something new today — there is a fairly hidden setting in (Settings > Privacy> Location Services >>  then down to the bottom, System Services) — called Significant Locations.   It is a record of EVERYWHERE you have visited with your phone.    Kind of creepy!

Anyway, you can turn this off.   If you like the iPhone intelligently learning your patterns and making suggestions based on that — by all means leave it on. 

I think I’ll be turning Significant Locations off.

Not The Password Boy Who Cried Wolf–Part 127

I hear the birds chirping outside my window, but then again it’s unlike any other May Day in my lifetime.  My cherry blossom tree already bloomed for the year. Hope you’re starting to see those signs of spring as well.


Devices Update

-The new iPhone SE is a winning release for Apple. I will be doing my first remote setups for clients over the next week or so.  You could also buy it to hold for later.  At $399 it is more powerful than almost any Android phone on the market.  Whether you order directly from Apple or from your carrier, you can ask me which is best for you.  In many instances there are interest free payments available.  I think a lot of buyers will just purchase it outright.  Drawbacks?  I thought of one since last week and while it certainly isn’t a minus for me, it may be for some people.  The iPhone SE does not have 5G cellular technology.  Of course, no iPhone on the market has 5G right now.  The new more expensive “iPhone 12” models released in the fall will almost certainly have 5G.  Don’t let that stop you from taking advantage of this extreme value.

– 2020 Mac Book Air — I mentioned a few weeks ago that Apple has finally brought back the old keyboard design on their consumer focused Mac Books and that if you need a Mac Book, you can go ahead and strongly consider the new Air.  https://www.apple.com/macbook-air/   When you choose the base model at $999 ($899 with education discount), you will want to make 1 upgrade during the checkout.  PLEASE – choose the i5 processor for a $100 upgrade.  It’s well worth it.  So for $1099, you have an awesome Mac. 

Not The Password Boy Who Cried Wolf – Part 127

I’ve sent out e-mails like this before.  That is why I am calling it Part 127.  I get these sad stories from clients every so often.   An e-mail account has been compromised.  Requests for payment or money were sent out.  Someone didn’t screen the request properly and actually sent the money.  During this time of Covid19, the scammers have not rested.  This is peak season for them.   Some hackers have software that just keeps guessing at e-mail passwords until they can “crack” them.  The easier your password is, the better the chance that they will crack it quickly.  However, major e-mail providers like Gmail, Yahoo and Microsoft do have systems in place that lock the account after an excessive number of tries.   Yet, if your password is super easy to guess — it’s not going to help you anyway. 

One thing I have noticed during this “stay safe, stay at home” period is that many of you have terrible passwords.  You don’t take this seriously at all.  Think of all of the services you have that can be broken into if a bad actor were to get into your e-mail account.   Here are a few BEST PRACTICES that I have tried to teach to clients over the past 5 years or so.  Unfortunately, I don’t think many are making the grade on this topic. 

3 Ways to Create Better Passwords — Choose 1

-use a professional password manager — like Last Pass, 1Password, or Dashlane. (of course this involves learning a new piece of software and not everyone wants to do this).

– Use a random password generator.  Set length to 12 or greater — and you will get totally randomized passwords to PRINT OUT.  This is a tool I frequently use with clients   https://www.random.org/passwords/

-Finally — a client can come up with their own if they use a good formula  — secure base plus specific ending for each site.   Again, it should be something easy for you to remember, hard for others to guess.    Let’s say for example not many people know I like John Denver music.

My base might be — “Leavingonajetplane”

My password for Microsoft might be Leavingonajetplane20msft

My password for Google might be Leavingonajetplane19goog

And so on.

Again, those would be good passwords, if no one could associate me with that base.


Extra Credit:   And while you have some time — if you do online banking — why don’t you call your bank’s help # and ask them this question.  It’s a very simple one.  What are you doing — beyond my user name and password — to protect my account?   Is there a 2nd factor?  Is there some other security measure? What do they offer beyond user name and password?