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René Bennett | (TNS) Bankrate.com If you’re an iPhone user, you might not realize that you already have access to Apple Cash. It’s a digital cash card that’s built into Apple devices and can be found in the default Wallet app. (Note: You must link an eligible debit card to use this service.) The main function of Apple Cash is to make it easier for Apple device users to send money to one another, including sending money through the iMessage app. But Apple Cash is more than just a peer-to-peer (P2P) payment service — it can be used to shop online, in stores or to make in-app purchases. Apple Cash is a convenient way to transfer money between friends and family. Once it’s set up, a user can simply open the iMessage app and send money to a contact through their chat. It’s also useful for those who use Apple Pay, a separate service that allows Apple device users to make contactless payments with any linked card, including an Apple Cash card. Here are some important things to know about setting up and using Apple Cash. How Apple Cash works Apple Cash is a digital cash card that’s stored in the Wallet app of Apple devices, and it can be used for making P2P payments, as well as purchases through Apple Pay. When you receive money from another Apple Cash user, that money appears in your Apple Cash balance. The balance can then be spent or transferred to a linked bank account or debit card. Sending money to peers with Apple Cash can be done either directly from the digital Apple Cash card (in the Wallet app) or through the iMessage app. You can send or receive anywhere between $1 and $10,000 per message. The money shows up on the recipient’s Apple Cash card instantly, but it may take from one to three days for the balance to be transferred to a bank account. Instant transfers to a bank account are possible, but it comes with a 1.5% fee. There’s also an option to set up Apple Cash Family for children who are under 18 years old. This option limits the amount a child can send to $2,000 per message. Those younger than 18 also cannot add money to their Apple Cash card from a bank account; rather, their balance only grows when they receive money from another Apple Cash user. Difference between Apple Cash and Apple Pay Apple Cash is a digital card within your Wallet that allows you to spend your Apple Cash online, in stores and in apps as well send and receive money. Apple Pay, however, allows you to make purchases using any credit card or debit card you have stored in your Wallet — including Apple Cash. With Apple Pay, you add credit and debit cards to your Wallet and then have the ability to pay right with your phone (or other Apple product). How to use Apple Cash 1. Set up Apple Cash with a compatible device To set up Apple Cash, you’ll need three things: —A compatible Apple device. —Two-factor authentication enabled for your Apple ID (this can be done in Settings). —An eligible debit card to load funds onto the Apple Cash card. In the Settings app, you can turn on Apple Cash in the Wallet and Apple Pay section. Tap on the Apple Cash card icon and follow the instructions on the screen. You’ll be asked to agree to the terms and conditions, after which your device will set up Apple Cash for you. The Apple Cash card, once set up, can be found in your device’s Wallet app. If you want to set up Apple Cash Family, you’ll first need to have Family Sharing turned on, which can be done in Settings. The family organizer can add children to Apple Cash in the Family Sharing section of Settings. 2. Add money to your card You’ll need to have a debit card linked to your digital Wallet to add money to an Apple Cash card. You can add a debit card to Wallet in the same place where you set up Apple Cash — the Wallet and Apple Pay section of Settings. Once a debit card is linked to your Wallet, open Wallet and tap on the Apple Cash card. Then, tap the More button (an icon with three dots). This will open a page where you can see your Apple Cash balance, add money and transfer funds to a bank account. Tap Add Money and enter the amount you’d like to add (the minimum is $10). You’ll be asked to confirm which debit card you want to use to fund the Apple Cash balance, and then the money is added to the Apple Cash card. 3. Send a payment There are two ways to send a payment to someone using Apple Cash: directly from your Wallet or in the iMessage app. Both the sender and recipient need Apple Cash to send or receive money. From your Apple Wallet To send money from Wallet, simply tap the Apple Cash card in Wallet and then tap Send. Type in the contact name or phone number of the recipient. Enter the amount you’d like to send (between $1 and $10,000), then review the payment and confirm it with Face ID, Touch ID or a passcode. Via iMessages In iMessage, open the conversation with who you’d like to send money to, or start a new one. Tap on the app button, which appears next to the type bar, and then tap on the Apple Cash icon. You’ll be prompted to enter an amount (between $1 and $10,000). Once you’ve reviewed the amount, tap Send and confirm with Face ID, Touch ID or a passcode. The first time money is sent to someone, the recipient will need to accept the payment within seven days for it to go through. After the first instance, payments are automatically accepted. If you’re using Apple Cash to make a purchase either online or in a store, you’ll need to pay using Apple Pay. 4. Request money To request money from your iPhone, open the conversation in the Messages app. Tap the plus icon, followed by Apple Cash. Then, tap Request. Tap the send button to send your payment request. Once the request is sent, the person you sent it to can confirm or change the amount they send to you. You can also request money from your Apple watch. Open your messages app, choose a conversation, tap the plus icon and then choose Apple Cash. Once you enter the amount you are requesting, swipe left on the Send button. Tap Request. 5. Transfer your balance to a bank account As you start to accumulate money on the Apple Cash card, you may want to move it to a debit card or a bank account . This can be done by going to the same place where you added funds to the card, by clicking the icon with three dots next to your digital card. Related Articles Technology | Triple fatal Cybertruck crash in East Bay being reviewed by feds Technology | Home entertainment holiday gift ideas at a discount Technology | Are you tracking your health with a device? Here’s what could happen with the data Technology | How to get started with Bluesky Technology | 23andMe, tech companies disclose hundreds of Bay Area job cuts Enter an amount to be transferred, then tap Next. You’ll be asked whether you want to do an instant transfer (for a 1.5% fee) or a transfer in one to three business days for free. After making a selection, the screen will instruct you to set up a bank account if you don’t already have one set up. You’ll confirm the payment, and the transfer is initiated. Instant transfers can only be made to an eligible debit card, not a bank account. Money is sent within 30 minutes when you select instant transfer. Alternatives to Apple Cash —Zelle: If your bank is offers Zelle, it might be a good idea to take advantage of the P2P payment service. Zelle can be accessed directly from your bank’s mobile app, and it allows you to send instant transfers at no extra cost. —Venmo: Anyone can use Venmo, as long as they’ve downloaded the app. Unlike Apple Cash or Zelle, it’s a standalone P2P payment app. Venmo comes with a social element — users can follow each other and add fun emojis to their payments, although they can also keep their account activity private. —PayPal: This P2P payment service is a good option if you want to send money internationally. It also offers a PayPal Debit card, which, like the Apple Cash card, can be used to make purchases online or in stores. —Samsung Pay Cash: Samsung device users can use this option instead of Apple Cash. Similar to Apple Cash, it is a digital wallet that you can access from a Samsung mobile device. However, to take full advantage of Samsung Pay Cash, users will need to undergo an extra registration process to upgrade to a Full Card Account. Bottom line Apple Cash makes it easy for Apple device users to send money to each other. Users can simply tap the Apple Cash icon in their text messages to send money through iMessage. It can also be used as an extra repository for spending money and can be used for purchases anywhere Apple Pay is accepted. With that said, only Apple device users can send and receive money using Apple Cash, so those looking for a more universal payment service may want to consider other P2P payment apps . ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.okebet gcash

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Dibrugarh: State water resources minister Pijush Hazarika on Thursday announced an ambitious plan to revitalise natural water bodies and construct artificial reservoirs in Dibrugarh district as part of govt’s comprehensive flood management strategy . The initiative is a response to the district's recurring flood challenges during the monsoon season . The proposed network of natural and artificial reservoirs is expected to act as a crucial buffer system, helping regulate water levels and reduce the impact of heavy rainfall on urban areas. “Our primary focus is cleaning and restoring existing water bodies to enhance their capacity as natural reservoirs during the monsoon season. Additionally, we will create new artificial water bodies through strategic excavation to further strengthen our flood control infrastructure,” said Hazarika during an inspection of flood and erosion-affected areas of Dibrugarh. The minister, accompanied by Dibrugarh MLA Prasanta Phukan, Lahowal MLA Binod Hazarika and Assam Tourism Development Corporation chairman Rituparna Baruah, conducted a detailed assessment of the flood and erosion-affected areas. We also published the following articles recently Min unveils plans to revitalise lakes, create artificial reservoirs to tackle Dibrugarh floods Dibrugarh is implementing a new flood management strategy involving revitalizing natural water bodies and constructing artificial reservoirs. Water resources minister Pijush Hazarika, along with local MLAs, inspected flood-prone areas and announced the initiative. The project aims to enhance the district's flood control infrastructure and mitigate the impact of heavy monsoon rainfall. Rs 321cr project launched to strengthen Dibrugarhs flood defence Dibrugarh MLA Prasanta Phukan launched a Rs 321 crore anti-erosion project along the Brahmaputra riverbank, funded by the Asian Development Bank. The 8-km project from Chota Mothola to Mohanaghat will employ advanced technology, including geo-bags and concrete porcupines, to reinforce existing embankments and construct new ones. Dibrugarh villagers capture black panther Villagers in Dibrugarh, India, captured a black panther that had been terrorizing their livestock for over ten days. Using a hen as bait, they trapped the panther, nicknamed "Ghoong," in an iron cage. The panther, responsible for killing numerous goats and chickens, was captured early Saturday, bringing relief to the fearful community. Stay updated with the latest news on Times of India . Don't miss daily games like Crossword , Sudoku , and Mini Crossword .

Idaho officials will spend more time in the courtroom over the state’s closed-doors decision to purchase the University of Phoenix after the Supreme Court on Thursday undid a lower court ruling to dismiss a lawsuit from Attorney General Raúl Labrador. The attorney general’s lawsuit accused the State Board of Education of violating state law by negotiating the purchase of the University of Phoenix in private. In a 4-1 victory for Labrador, the Supreme Court determined that a prior decision by Judge Jason Scott to reject the attorney general’s lawsuit was based on a misinterpretation of state law, and sent the case back down to the lower court for further review. The court also reversed a requirement that Labrador’s office pay nearly $250,000 in attorneys fees for the State Board. The case hinged on private meetings the State Board held to negotiate a potential purchase of the well-known online learning proprietor by the University of Idaho. While the state’s Open Meeting Law generally requires government business to be conducted publicly, “preliminary negotiations” for business deals that are “in competition with” other governments are exempt from the law. But the law states that exemption is supposed to be narrow. “We conclude that the district court erred in its expansive interpretation of these two phrases that provide only narrow exceptions to the general policy of transparency in the Open Meetings Law,” Justice Gregory W. Moeller wrote for the majority. Labrador called the decision a “comprehensive win.” “After 14 months of working to ensure transparency, this is a comprehensive win for the people of Idaho and the principles of open government,” he said in a statement Thursday. It’s unclear how further litigation will affect the possibility of a purchase, which state officials are still negotiating. Republican lawmakers, who will begin their next legislative session in January, have so far been hostile to the deal. In an email, State Board spokesperson Mike Keckler mostly declined to comment on the pending litigation but said the ruling was not a loss. University of Idaho spokesperson Jodi Walker said the school was reviewing the ruling and working “on next steps.” Representatives of the University of Phoenix did not immediately respond to a request for comment. Ruling ‘cloaks’ business dealings in secrecy In May 2023, the State Board approved a $500 million purchase of the University of Phoenix, using an estimated $685 million bond, at a public meeting that was announced the day before. Before that, board members held a series of private meetings to discuss the purchase, reportedly because they believed other state universities were also vying to acquire the private school. University of Idaho Chief Financial Officer Brian Foisy signed a non-disclosure agreement to discuss the sale with Phoenix’s representatives, which State Board members adhered to, according to the Idaho Supreme Court opinion. Administrators also began referring to the proposed deal as “Project Neptune” to keep their discussions private. After the State Board approved the purchase, Labrador sued, arguing that a private meeting before the deal was approved violated the Idaho Open Meeting Law. He later tried to expand his lawsuit to include other private negotiations. Scott sided with the State Board and limited how much information the board needed to disclose about its internal communications. Because the board members “reasonably” believed they were competing with other buyers, their private meetings were appropriate, the judge concluded. But the Supreme Court on Thursday took issue with Scott’s analysis, which allowed nearly all negotiations related to a competitive sale to occur in private. It also ruled that a “belief” that the State Board was competing with other universities is not enough to allow its private meetings to continue. Scott’s decision “effectively cloaks all negotiations and actions taken prior to a final public vote in shadow by broadening the very exceptions that the legislature required be narrowly construed,” Moeller wrote. Many times in his opinion, he also noted that relevant documents were unavailable in the record, because Scott had limited Labrador’s ability to obtain details about the State Board’s negotiations. “Because there is simply too much left unknown, undiscovered, and unaddressed about Project Neptune, there remain too many genuine issues of material fact” for the court to make a final determination, Moeller added. The Supreme Court was not asked to address Scott’s determination that Labrador be disqualified from the case. The State Board had argued that the board’s director held a private meeting with Labrador — who, as the attorney general, he believed to be his lawyer — only to see him sue the board afterward. Labrador has said he told the board’s director that he planned to file a lawsuit at the beginning of the meeting. In her dissent, Justice Colleen D. Zahn wrote that while she agreed with most of the majority opinion, its narrow interpretation of the phrase “preliminary negotiations” fails to allow agencies to compete with other potential buyers, and would make that exemption to the open meetings law “unusable.” This story was originally published December 5, 2024, 2:18 PM. University of Idaho extends its deadline for deal to finalize Phoenix purchase Idaho lawmakers just killed University of Phoenix purchase proposal. Will that doom it?

Stock market today: Wall Street gets back to climbing, and the Nasdaq tops 20,000BETHESDA, Md., Dec. 11, 2024 (GLOBE NEWSWIRE) -- Host Hotels & Resorts, Inc. (NASDAQ: HST) (the "Company”), the nation's largest lodging real estate investment trust, today announced that its board of directors authorized a regular quarterly cash dividend of $0.20 per share. In addition, the Company announced a special dividend of $0.10 per share, bringing the total dividends declared for the year to $0.90 per share. The dividend is payable on January 15, 2025, to stockholders of record as of December 31, 2024. ABOUT HOST HOTELS & RESORTS Host Hotels & Resorts, Inc. is an S&P 500 company and is the largest lodging real estate investment trust and one of the largest owners of luxury and upper-upscale hotels. The Company currently owns 76 properties in the United States and five properties internationally totaling approximately 43,400 rooms. The Company also holds non-controlling interests in seven domestic and one international joint ventures. Chief Financial Officer (240) 744-5267 Investor Relations (240) 744-5117 [email protected]Suspect in UnitedHealthcare CEO killing charged with murder in New York, court records show

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