How Do You Send Money?

Besides writing a check, how else can you send money to someone?

It’s 2017 and most people I know still write checks to give money to someone else. You would think by now technology has solved this problem of carrying a checkbook, writing out specific information, and bringing that to the bank. This ancient technique has finally been updates, for the most part.

There are numerous ways to send money to another individual or business, whether is to pay a bill or a gift, a lot of services exist for this sole purpose. Venmo, PayPal, Square, and PopMoney are three popular services, but it seems most banks offer their own version. These money sharing services often charge a fee when using a credit card, but most of the time there is no charge to use debit from your checking account. The issue with using an app to send money is that the funds live in the app and the recipient has to withdraw or transfer the money to use it. In rare instances, someone may keep the funds in the app and use it elsewhere, this is common when using PayPal. Think of someone you know that you’ve written a check to in the past. Odds are that they wouldn’t know what to do if you send them money via Venmo.

Enter Apple’s solution to this problem: Apple Pay. Ever since Apple debuted Apple Pay in 2014, I’ve been wondering how I can use this to pay another individual. While not as simple as holding your iPhone up to an NFC reader, Apple proves they have taken the time to think this through. Basically, you can send someone money through your iPhone to another person who has also has an Phone through the iMessages app. The way they do this is by giving you an Apple Pay gift card that you can load money on to send to other people. The great thing about this gift card is you can use the loaded/transferred funds anywhere that accepts Apple Pay, right from your iPhone. You can also transfer this money to your bank account, which should be free to do. If you send money to another person through Apple Pay by using a credit card, you’ll be charged a fee of about 3% of your transfer amount. This is to pay the credit card fees, so Apple isn’t making any money of this transaction. This transfer fee is standard throughout all the popular money sending services, but differs in actual percentage.

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A lot of retailers are moving to this “gift card” scenario where you load money on to a card and use that to pay, usually through a smartphone app. Starbucks is the biggest one I’ve used and they entice you to use it with rewards resulting in free items. The kicker with Starbucks is you can reload your card using Apple Pay, which makes this new system work.

Apple Pay person-to-person will be launching later this fall. This new money transfer system will take a very long time to catch on, if ever. The older generations, who actually use smartphones, will probably never get on this program. Don’t expect that $10 birthday check from your grandparents to go away any time soon.

Will you turn on this new iPhone feature?

This fall Apple will be releasing a new feature for your iPhone that could save your life!

Do Not Disturb… While Driving!

A new feature included with the upcoming release of iOS 11 will put your iPhone into Do Not Disturb mode while you are driving in your car. If you are not familiar with Apple’s Do Not Disturb mode, it suppresses all notifications and sounds while enabled. This is especially useful while you sleep if you keep your iPhone near you all night long. The kicker for the driving mode is when you get an iMessage it will reply to that person with a customizable message describing how you are driving and not getting notifications. If for some reason this person needs to reach you, they can reply URGENT to the automated message and their original message will be sent through. You can even set a contact list of people who get right through to you, bypassing Do Not Disturb. Of course this is all fine until you want to use your iPhone while you’re in the car. When you go to unlock your iPhone while Do Not Disturb is on you’ll see a pop-up on your screen letting you know this mode is turned on. You’ll need to tap I’m Not Driving to let your iPhone know that it’s safe to turn off Do Not Disturb mode. This is just another step Apple is taking to ensure your are driving safely.

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You should turn this on.

The number of cell phone related car accidents is on the rise and while we wait for autonomous cars, this is a great step to lower the number of incidents. This can also be a way for some people to break the awful habit of having to look at their phones every second of the day. Your eyes and mind should be focused on the road and other drivers, not your SnapChat or Instagram feed. I’m hoping Apple puts out a huge ad campaign around this feature so that more people will use it. I wouldn’t go as far to say that Apple should turn this on by default, but it definitely deserves some attention.

Ive been testing this mode for about a month now and it has been great. I’ve been guilty of checking my notifications, sending messages, and browsing social media in traffic or at a stoplight. I’m ready to kick that habit and Apple’s new Do Not Disturb while Driving is a great feature

The Beard Blog Apple TV (2015) Review

For the last 3+ years, there as only been one Apple streaming device. The Apple TV (3rd Generation) has been around since 2012. It was a small upgrade over the 2nd generation device which debuted the previous year. Since 2012, there has been a plethora of new devices to compete against the widely-popular Apple TV. Amazon, Roku, Google, and almost every TV manufacturer have introduced a way to consume content over the internet. Most of them have been hit or miss, but by 2015 Amazon and Roku have cornered the market. This left a hole for consumers of the Apple ecosystem since the 3rd generation Apple TV was limited to Apple provided apps only.  Continue reading “The Beard Blog Apple TV (2015) Review”

How to properly use your iPhone

One of this biggest annoyances I have are when people spread false “tech tips” and unsuspecting users actually follow them, religiously. Somewhere, someone thought it would be a good idea to tell everyone to quit all the running apps on their iPhone and/or iPad. This comes in many varieties like quitting all apps once in a while and the most ridiculous, quitting an app immediately after using it. I’m going to tell you why it’s not only a bad idea to quit your running apps, but you could actually be damaging your device.

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Which is better Apple Music or Spotify?

“HIStory”

My musical taste has always been under scrutiny by anyone who rides in the car with me. On any given day, my music library could play the likes of Nelly, followed by 2Pac, Michael Jackson, then John Mayer, and sprinkle in some country too. I call it eclectic, but others just call me confused. All that considered, I enjoy music very much and consider it vital to my existence, especially in the car. I used to be the guy who would be browsing through hundreds of CDs at the stoplight trying to find the right album. My history of music follows all the major trends as I was never afraid to adopt the latest craze. In high school it was all CDs and Napster.

The classic medium

It wasn’t until college that I got my first iPod, but I didn’t really jump in completely at first. I had an older car with an aftermarket stereo, so I was limited to options at the time. My favorite thing was the MP3 CD where you could load up a regular CD with 100-200 songs opposed to the traditional 15 or so songs.

“A Junkie’s Lament” Continue reading “Which is better Apple Music or Spotify?”