If you’re tired of checking multiple apps to keep an eye on your budget, iOS 17.4 has just solved your problem. 

Now, Apple Card, Apple Cash, and Apple Savings data can all be accessed through budgeting apps, though many apps haven’t integrated it just yet. Before now, the ability to integrate savings with budgeting apps was exclusive to Mint but, with that closing down in January, customers were left without the option. 

Given the three Apple banking services will be part of many customers' day-to-day spending, any apps without the ability to carry over data may be left behind. Luckily, there are three viable options right now, with more likely to come in the future. 

Which apps support Apple Card integration? 

You Need a Budget, a paid-only budgeting app announced it was available. In a statement on X, it said “YNAB is proud to be one of the first apps to offer direct import with Apple Card, Apple Cash, and Savings with Apple Card”

CoPilot, another paid service also announced: “Starting today, Copilot can keep track of your Apple Card, Apple Cash, and Savings accounts.” Where YNAB is a more structured experience where you have to account for each dollar in advance, CoPilot is a bit more flexible, with AI-based insights. 

Finally, a third budgeting service called Monarch announced that “In direct collaboration with Apple, Monarch is one of the first to offer full Apple Card, Apple Cash, and Savings support with iOS 17.4.” Monarch, as well as having all the standard functions of a budgeting app, is good for entire families and has a focus on saving, as opposed to day-to-day spending. It is also paid, like the previous two. 

As of right now, there are no free budgeting apps that offer Apple Card integration, though they are likely to come further down the line. Given the three above managed to get updates out in the launch window of iOS 17.4, this gives the apps an upper hand on the competition. If you lament Mint shutting down, you might find a good alternative here and the selection is only likely to get bigger with time. 

More from iMore

• Apple Card review: How a credit card can actually be different
• Why I've replaced my debit card with Apple Card for most purchases
• Apple Card: Release date, cash back rewards and sign up bonus

It's hard to believe, but we're almost through 2019. For those of you that made the New Year's resolution to do a better job of saving money and staying on top of your budgeting - how's that going? If the answer is not great, fear not. We've compiled a great list of the top personal finance apps for iPhone to help you better understand and monitor your financial picture.

Heads up! We share savvy shopping and personal finance tips to put extra cash in your wallet. iMore may receive a commission from The Points Guy Affiliate Network. Please note that the offers mentioned below are subject to change at any time, and some may no longer be available.

Starting off in the green

There's no time like the present to get into the spirit of saving for the New Year. Sometimes it's as easy as monitoring your money on-the-go or setting goals for the coming year. Our top choice for the best money management app is Mint. It's simple, easy to use, and you can have all your financial information at your fingertips. Plus, you can set personal goals to help pay down your debts or save for retirement. The best feature? Mint gives you alerts when you are close to or have gone over your budget so you can adjust.

Are you a freelancer or thinking about picking up some side work to pay down your debts? Tycoon can help you handle all of your side gigs in one quick and accessible place.

What you need to know

• Nudget is a simple budgeting app.
• It calculates your daily budget based on monthly net income, housing, spending, and savings amounts.
• There is support for other recurring expenses.
• You get powerful insights on your spending over time.
• Your data is kept private.

Unless you're a millionaire, watching our finances is an important task that we should all be doing, and one thing that helps is having a budget. However, budgeting isn't always easy — fortunately, there are apps that can help you out with that. A new one that hit the block recently is Nudget by Sawyer Blatz. Nudget is an app that focuses on quick and simple recording and tracking of your money.

When you first launch Nudget, it will ask you for your monthly income (after taxes and deductions). The number that you provide becomes the base of your budget, and then it will ask you for your housing expense, spending money, and amount to save each month. If you have other recurring expenses, you can add them in after the initial setup.

Once you have all of your expenses in Nudget, the app calculates how much money you have available to spend each day — this is your budget. I know for some people, like me, it is hard to figure out how much you are allowed to, or should be, spending every day if you want to have some savings. Nudget does the legwork for you.

For some, budgeting is done by analyzing every dollar and creating spreadsheets to figure out where each penny went. But let's face it — that's not the most fun, or simple way to go about it. Nudget's clean and seamless interface makes it easy to input the numbers and figure out how much you can be spending every day, without the hassle.

As you continue to use Nudget, the app will learn about your spending habits and be able to provide you with Insights. That's where you can see where the most of your money goes, how much you're above or below budget, where spikes are, and more. It gives you a better understanding of where your money is going each month.

Nudget is a very simple approach to budgeting, and could be worth taking a look at if you often struggle with tracking your expenses.

Heads up! We share savvy shopping and personal finance tips to put extra cash in your wallet. iMore may receive a commission from The Points Guy Affiliate Network. Please note that the offers mentioned below are subject to change at any time and some may no longer be available.

The Barclaycard Arrival® Plus World Elite Mastercard® is a great travel credit card for those who want flexible travel rewards. Barclays has recently brought some impressive new features to its app to up the level of security for your card while you are traveling.

Called Barclays SecurHold, the Barclays mobile app will now let you secure your accounts with the card issuer by locking your credit card instantly within the app. This is really handy if you misplaced your card and want to make sure you are protected from someone finding and trying to use your card to make a fraudulent purchase. Once you've found your card you can unlock it and go about your day (if you don't find it you can of course report your card lost and Barclays will send you a new one). The app will also give you the ability to set transaction limits and even block certain purchase categories, allowing you to really tighten up security as much as you would prefer.

These features add to some of the already immensely useful features that Barclays includes in its app, like the ability to peek at important account information or calculate future payments. Together, these innovations has put the Barclays app on our list of the Best Credit Card Apps for iPhone and iPad in 2019.

You can download the Barclays app through Apple's App Store or the Google Play Store.

The Barclaycard Arrival® Plus World Elite Mastercard® is a good all around travel card that lets you book travel any way you want. There are no airline, seat or hotel restrictions, and your rewards come in the form of travel statement credits that can be used towards a host of eligible travel purchases. Your miles also don't expire as long as your account is open, active and in good standing, so you don't have to rush to book more travel just to make sure using your card was worth it. In addition to the new app features and standard benefits of the card, Barclays is including an impressive sign-up bonus.

Barclaycard Arrival® Plus World Elite Mastercard®

See at The Points Guy{.cta .shop.nofollow}

Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days. Earn unlimited 2X miles on every purchase. Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits. Get 5% miles back to use toward your next redemption, every time you redeem. No foreign transaction fees. $89 annual fee (waived the first year).

App arrival

Apple's built-in Stocks app lets you keep track of everything in your portfolio right on your iPhone. You can check individual stocks and exchanges, see openings, highs, lows, volume, P/E, news, and see graphs from one day to two years. If you don't want to tap your way through the Stocks app, you can even ask Siri to check the numbers for you!

• How to add stocks for iPhone
• How to rearrange stocks for iPhone
• How to delete stocks on iPhone
• How to view stocks on iPhone
• How to view trends over time
• How to manage Stocks notifications on iPhone
• How to check on individual stocks with Siri
• How to check stock exchanges with Siri
• How to check on individual stocks with Siri
• How to check stock exchanges with Siri
• How to delete the Stocks app from your iPhone
• How to check business news in the Stocks app

How to add stocks to Stocks for iPhone

1. Launch the Stocks app from your Home screen.
2. Tap on the menu button in the bottom right corner.
3. Tap on the plus sign (+) in the top left corner.
4. Type in the name of a stock you would like to follow (I chose Nintendo).
5. Tap on the green add button next to the stock you want to follow.

How to rearrange stocks on iPhone

1. Launch the Stocks app from your Home screen.
2. Tap the menu button in the bottom right corner.
3. Tap and hold the Reorder button next to the stock you want to rearrange.
4. Drag your finger up or down the screen until your stock appears in the spot you want to place it.
5. Release to rearrange the stock.

How to delete stocks on iPhone

1. Launch the Stocks app from your Home screen.
2. Tap the menu button in the bottom right corner.
3. Tap the delete button next to the stock you want to remove. It's the red circle with the minus symbol in it.
4. Tap Remove.
5. Tap Done in the top right corner when you've deleted all the stocks you want to delete.

You can always re-add stocks later on.

How to change stock units on iPhone

Do you prefer to see your stock changes as a percentage, price difference, or do you want to view the market cap? Customize the way you track stocks using the default Stocks App on iOS.

1. Launch the Stocks app from your Home screen.
2. Tap on the values next to each stock. You can switch from percentages to dollar amounts to price difference.

Each tap will allow you to switch what information you see in the main Stocks dashboard. Additional taps will switch between displaying the marketcap, percentage, and price.

How to view trends over time

iOS 12 is bringing interactive graphs into the fold, and you'll be able to check a stock's progress over the last day, week, month, quarter, six months, year, or two years.

1. Launch Stocks from your Home screen.
2. Tap a stock.
3. Tap a time period underneath the stock name. You have 1 day, 1 week, 1 month, 3 months, 6 months, 1 year, or 2 years.

How to add Stocks to Today on iPhone

Want a quick summary of your daily stocks without opening the app? Add the Stocks widget to your Today view.

1. Swipe down from the top of your Home screen.
2. Swipe right on the Notifications screen.
3. Tap on the edit button at the bottom.

4. Tap on the plus sign next to stocks to add it to your notification centre.
5. Tap on done to save.

Tired of seeing those stock summaries in your notification center? No problem! It's easy to remove them!

1. Swipe down from the top of your Home screen.
2. Swipe right on the Notifications screen.
3. Tap on the edit button at the bottom of your notification screen (depending on how many notifications you have, you might have to scroll down to find this button).
4. Tap on the minus sign next to stocks to remove it from your notification center.
5. Tap Remove.
6. Tap on Done to save.

How to check individual stocks with Siri

If you want quick stock info and it's not convenient to type, strike up a chat with Siri and have her find the market info for you!

1. Say Hey Siri or press and hold the Home button to launch Siri.
2. Say something like "What is Apple's stock at today?" or "Show me stock information for Google."
3. Siri will then show you an overview of the particular stock you asked about. Tap anywhere in the stock widget to be taken to the built-in Stocks app for more information

How to check stock exchanges with Siri

Besides giving you information on different stocks, you can also ask Siri for information on an entire exchange, including NASDAQ, NYSE, FTSE, Nikkei, or others.

1. Press and hold down the Home button to launch Siri.
2. Ask Siri about the exchange you'd like information for by saying something like "What is the New York Stock Exchange's current position?" or "How did NASDAQ close?"
3. Siri will then present you with information about that specific exchange. If you want more information, tap on the stock widget and Siri will automatically launch the built-in Stocks app.

The Stocks app on iOS is powered by Yahoo! Finance and is a great way to keep track of the ever-changing rise and fall of the stocks that matter to you. By using the above-mentioned tips you can customize your stock dashboard with only the information that is most relevant to you, or you can use Siri to get updates as you like.

How to delete the Stocks app from your iPhone

iOS 10 lets you delete a bunch of built-in apps, which is great if you're one of the folks who doesn't use the Stocks app (oh, you mean everybody?).

1. Tap and hold on the Stocks app icon on the Home Screen until it starts to jiggle.
2. Tap the x that appears on the top left corner of the app icon.
3. Tap Remove when prompted.

If you ever want Stocks back, you can just download it from the App Store.

How to check business news in the Stocks app

iOS 12 is bringing a refreshed look to the Stocks app, and business and finance news along with it, which you can check right in the app.

1. Launch the Stocks app from your Home screen.
2. Tap and drag the Business News slider up.
3. Tap a story to read more details.
4. Drag the slider down when you're finished reading the news.

Questions?

Any questions about the Stocks app? Let us know in the comments below!

Updated August 2018: Screenshots and steps updated for the latest version of iOS. Added a section on reading business news in the Stocks app and added a section on viewing stock trends over time.

Investing in cryptocurrency is all the rage lately — so much so that at my family's Christmas party my aunt started asking me about Bitcoin. Once pretty much exclusively used to make highly questionable purchases on the deep web, cryptocurrency is now evolving into a widely-known (and for some, pretty intriguing) concept, and mobile brokerage app Robinhood has obviously taken note. The company is launching a new section of the app in February that will allow users to trade and track their Bitcoin and Ethereum investments alongside their stocks, ETFs, and options. What's more, the section — called Robinhood Crypto — lets users do all of this without any additional transaction fees. Oh, and its design looks like concept art for Tron.

• Robinhood - Free - Download now

Initially, the feature will only be released to individuals in California, Massachusetts, Missouri, Montana, and New Hampshire. After the launch, Robinhood Crypto is expected to expand to the rest of the U.S. as well.

In addition to investing in Bitcoin and Ethereum, Robinhood Crypto will allow you to track, read news about, and set price alerts for 14 other cryptocurrencies including Litecoin, Ripple, and Dogecoin. However, according to an article by Josh Constine over at TechCrunch, the ability to invest in more cryptocurrencies will be added once the feature gains footing. And if you're worried about the security of your crypto investments, fear not — Constine notes that the company is also adding new two-factor authentication options including integration with various authenticator apps, so all your money will stay safe and sound.

If you'd like to request early access to Robinhood Crypto, you can sign up on the company's website to get in line behind the nearly 100,000 (at the time of writing this article) other interested individuals.

Thoughts?

Are you going to start investing in cryptocurrencies now that Robinhood has made it easy? Share why or why not in the comments.

Taking care of yourself financially should be simple: Spend less than you make. But it's easier to repeat that rule than follow it. Plenty of apps can help you manage a monthly budget. But if you're looking to save a few bucks — how admirably frugal of you! — you can do the job with an easy spreadsheet instead.

This example uses Numbers, but you can apply the same rules and coding to any spreadsheet, including Google Sheets and Microsoft Excel. The following steps will take a few minutes to follow, but once you're done, you'll have a powerful, flexible budget spreadsheet you can use month after month.

1. Give yourself room to work.

Create a new spreadsheet in Numbers, then use the extender buttons at the end of the horizontal lettered row at the top of the sheet, and the bottom of the vertical numbered row on the left side of the sheet, to expand the sheet's dimensions.

Drag the horizontal letters out to column L, and the vertical numbers down to at least row 40. You'll eventually record every credit card purchase or ATM transaction you make in a given month, so you might need the extra rows.

2. Write down your essential expenses.

We'll start by creating an estimated budget — your best guess at your monthly expenses and income. Even if it doesn't exactly reflect your monthly spending, it'll provide a good baseline for comparison. And it'll give you a place to experiment with different ways to parcel out your cash.

In cell A1, write "Expenses." Below that, use column A to list every category of regular expense you pay each month: Rent, groceries, utility bills, even subscription services like Netflix or Hulu. If you get a bill for it every single month, list it here.

In cell B2, write "Budget." Then list the dollar amounts for each of your expenses in column A. Some, like rent payments, should be easy to predict. For others, like utilities, provide your best ballpark figure — ideally, a worst-case scenario of the largest amount you can imagine paying for that expense in a given month.

I budget my electric bill based on the peak amounts I spend in winter, even though I spend far less on average. Better to plan for the worst and have more money left over, than assume the best and get caught short.

When you're done listing expenses and budgeted costs, give yourself a few extra rows to add more in the future — you never know when you might need to add, say, a new car payment or a contribution to a child's college fund.

Go up and click on the column header — the one labeled "B" — to select the entire column. Then, over on the right of the Numbers window, click Cell, and under Data Format, select "Currency."

This will make sure Numbers treats any number you enter as a dollar amount, whether you include a $ sign or not. (Going forward, you'll want to repeat this for every column where you'll be listing dollar figures.)

Label one last cell in column A "Total." Select the cell right next to it in column B, then hit the equals sign = key to create a formula.

Type sum and hit Return; the SUM function tells the spreadsheet to add up everything in a given range of cells.

Then click and hold on cell B2, drag down to just above the cell you've put the function in, and hit Return (or click the little green check mark button next to the function) again.

You'll see the total dollar amount of all your budgeted spending. Change any of the dollar amounts above, and this number will update automatically.

3. See how much money you'll have left each month.

Select column C, format it for Currency, then enter the amount of money you expect to make each month in cell C1.

If you earn a salary, this should be fairly easy to calculate. Enter the amount you receive in paychecks every month.

If you get paid the same amount on a weekly or biweekly basis, multiply the amount of one paycheck by the number of paychecks you get every year (52 weekly, or 26 biweekly), then divide that number by 12 to get your monthly average.

If you get paid by the hour, and work different hours every month, pick the lowest reasonable number you can think of, just to be safe.

Now we're going to subtract each budgeted amount from that total, and show your remaining money in the next empty cell in column C.

Start by selecting cell C2. Type = to create a new function. Click cell C1 — you'll see $C1 appear in the function. Then type a minus sign -, and click cell B2.

Now click on the little downward arrow next to $C1, then uncheck "Preserve Row" and check "Preserve Column." Hit Return to finish the function.

Making that switch will help Numbers calculate the total correctly when you duplicate that formula for all the rows beneath it.

To do so, select cell C2, then move your mouse to the blue border along the bottom of the cell. See that little yellow dot appear? Grab it and drag it down to cover the rest of the rows in your budget.

When you release it, Numbers will subtract each item in your budget from your initial pile of money. You can watch that figure shrink as you go down the list. Whatever's left at the bottom is your budget for disposable income.

4. Do it all again, but for real this time.

Now that you've mapped out an ideal budget, you need to compare it to how much you actually spend each month.

Label column D "Expense" again, and beneath it, add all the same budget line items you entered in column A.

Label column E "Actual," and enter every dollar amount from your budget in column B that doesn't change from month to month — so, most likely your rent or mortgage, your cable bill, any subscription service bills, and any amounts you put into some form of savings.

For utilities, enter the amounts from your most recent bills. If you get new bills during the month, you can always update these figures. For now, you just want a rough idea of what to expect.

Gas and groceries usually involve a lot of little expenses over the course of the month, so we'll soon set something up to make accounting for them easier. For now, leave them blank.

Once you're done, go to column F, and use the same trick from column C.

Put your monthly income in cell F1. (If you know the exact amount you'll make each month, you can select F1, type = C1, and hit Return, and any number you enter in C1 will automatically show up in F1, too.)

Then, in cell F2, create a new function, select cell F1, type -, then select cell E2.

Click the little arrow next to $F1 in the function, swap "Preserve Row" for "Preserve Column," and finish the function. Drag down from the little yellow dot at the bottom of cell F2 to cover the rest of the rows of expenses.

Now, for gas and groceries. In column D, a few cells below the other items, label a cell "Groceries," and beneath it, create labels for five weeks' worth of groceries. (Once you enter "Week 1," you can drag downward via the yellow dot, and Numbers will fill in the rest of the weeks on its own.)

Go one cell farther down in column D, and do the same thing for "Gasoline." You know best how often you fill up your car; if you gas up once a week or more, you'll need more slots than if you barely drive at all. (If you don't own a car, you can either skip this, or use the same idea for bus or train passes, if you need to.)

All done? Go back up to the blank spots you left for gas and groceries in column E. Select the cell for groceries, then type =SUM, then select all the cells in column E next to your five weeks of groceries, and hit Return.

When you're finished, do the same for gas. Now your budget will automatically adjust as you enter each round of grocery and gas receipts.

5. Say hi (and bye) to your disposable income.

With luck, you'll have money left over after paying your bills. You'll track this in columns G and H. Label column G "Other Expenses," and column H "Amount."

Enter descriptions in column G and dollar figures in column H. (Remember to format column H as currency!)

In this section, record every debit or credit transaction you make, every check you write, or every chunk of cash you withdraw from an ATM, that doesn't go toward any of your budget expenses. Go out for Thai food? Order books online? Get $40 from the ATM? Enter it here.

Leave yourself plenty of room here for line items; even or especially if you make a lot of small purchases, they all add up.

After however many rows you think is enough, put "Total" in column G.

In the next cell over in column H, use the SUM function to add up all the rows above it in column H. This will tell you how much of your disposable income you've spent.

Below that, put a label for "Remaining Budget" in column G; over in column H, use a function to subtract your total disposable income spent from the money left over in your budget (the last number in column C). This will show you how much you have left to spend according to your budget.

Go one row down and label column G "Remaining Actual," and do the same thing, except with the last number at the bottom of column F. This shows you how much you really have left to spend this month.

Finally, since your grocery bill makes up a big chunk of your total budget but doesn't get spent all at once, it can help to see about how much you'll have left once your groceries are fully paid for. You'll start with how much money you have left; add back whatever you've actually spent on groceries; then subtract the amount from your budget that you expect to spend on groceries for the whole month.

Go one more row down, put "Actual w/ Food" in column G, and enter this function:

6. Multi-person budgeting

Just budgeting for yourself? Congratulations! You're all done. But if you have more than one person in your household, read on.

My wife and I split our disposable income fifty-fifty; we each get half of whatever's left after our budget items or joint expenses to spend as we please. If you want to set up something similar, it's easy. In cells I and J, and then K and L, create new Expenses and Amount labels for each person. Use the SUM function to add up how much they've spent. Then, for their Remaining Budget cell, use this function:

… and do the same for each person's Remaining Actual and Actual w/ Food, dividing the original amounts from column H by two.

Got more than two people to budget for? Divide by the appropriate number. Want to portion out different-sized shares of the budget? Multiply the original amounts from column H by the appropriate percentages.

7. Take care of your budget

Obviously, a budget spreadsheet won't do you much good if you don't use it. Save your receipts when you're out and about, and enter them in your spreadsheet as soon as possible.

Consider storing your spreadsheet in iCloud; that way, you can add expenses on the go from your phone or tablet.

At the end of each month, do some quick standard maintenance. Performing these steps in the following order helps make sure the spreadsheet doesn't get its math mixed up:

1. Make sure you've entered all your expenses from the past month.
2. Write down or memorize your Remaining Actual figure in column H. (If you've got a multi-person budget, write down the Remaining Actual amounts there, and ignore column H.) If it's positive, you've got money left over. Nice work! Put it into savings (if you're feeling frugal), or just carry it over to next month. If it's negative, you've blown your budget, and you'll have to carry it over.
3. Erase any dollar amounts in column H, and in any personal columns next to it. Make sure you don't erase the Total, Remaining Budget, Remaining Actual, or Actual w/ Food cells! Once you delete the cells above them, they'll zero out automatically.
4. If you're carrying over any amount, put it at the top of the appropriate column, labeled "From Last Month." If you had money left over, make the dollar amount negative — this will, counterintuitively, add it to your budget for the month ahead. If you ended up in the hole, enter the amount you overspent as a positive number — this will subtract it from your new budget, like any other line item.
5. Erase the weekly grocery amounts and tanks of gas at the bottom of column E; once you do, they'll zero out in the Actual section above.
6. Now your budget's all set for a new month!

Harness the power of your purse strings

Keeping a budget is the first step toward saving for bigger and better things, like a new Mac, or a fun vacation, or a retirement where you don't have to work until you keel over in aisle 7. And with this simple spreadsheet, you can control your spending, rather than letting your spending control you.

Got any budget tips or tricks of your own? Thought of a way to make this spreadsheet even better? Share it in the comments below!

MasterCard has teamed up with the BMO Financial Group for the rollout of a biometric verification program for corporate credit cards, which will allow card holders in the U.S. and Canada to confirm online purchases with either their fingerprint or using facial recognition. Verification will take place through MasterCard's Identity Check app, and the program will at first be limited to corporate cards issued to BMO employees in the U.S. and Canada.

When using a card with this program to make a purchase, cardholders will be prompted by the Identity Check app either to scan their fingerprint or take a selfie for facial recognition. When your identity has been verified, you'll be returned to the merchant to complete your purchase.

While the rollout is limited for now, the program will receive a wider rollout later this year. Cardholders participating in this program can grab the MasterCard Identity Check app from the App Store now.

• Free - Download Now

Press release:

BMO Financial Group and MasterCard Begin Roll-Out of First in Canada and U.S. Biometric Corporate Card Program

Corporate cardholders will be able to use selfies and fingerprint scans to verify their identify when making online purchases

TORONTO, ONTARIO--(Marketwired - March 23, 2016) - BMO Financial Group (BMO) and MasterCard today marked the beginning of a phased launch of the first biometric corporate credit card program in Canada and the U.S. that will enable cardholders to verify transactions using facial recognition and fingerprint biometrics when making online purchases.

The introduction of this technology will increase security when making payments that don't include a face-to-face interaction, and will be integrated seamlessly for easy use in reducing the likelihood of a card being used by anyone who is not the cardholder.

Beginning with corporate cards issued to BMO employees in Canada and the U.S., the MasterCard Identity Check mobile app will prompt participants to:

• Scan fingerprints or snap selfies to validate their identities via biometrics; and
• When verified, return to the merchant site to complete the online purchase

"The use of biometric technology has become more common for consumers looking for convenient and secure ways to make purchases using their smartphones, so this was the natural next step for us as innovators in the payment security space," said Steve Pedersen, Vice President, Head, North American Corporate Card Products, BMO Financial Group. "Mitigating the risk of fraud is always our top priority, and the inclusion of this technology is going to make payment authentication easier, and strengthen the security of the entire payments ecosystem."

Mr. Pedersen added that the first phase will test the potential of delivering greater security and convenience using BMO employee corporate cardholders in the U.S. and Canada, including establishing and improving best practices in corporate environments, developing better protection against potential fraud and continually minimizing the need for customer service inquiries. Once complete, the next phase will be to make the technology available to customers more broadly beginning in the summer of 2016.

"With BMO, MasterCard is hosting our first Canadian and U.S. corporate card biometric user engagement. It's always exciting to introduce biometrics to new cardholders. They quickly realize that they don't have to sacrifice convenience for security. By snapping a selfie or scanning a fingerprint, the person becomes the password," said Catherine Murchie, Senior Vice President of North America Processing, Enterprise Security & Network Solutions for MasterCard.

At Mobile World Congress this week, MasterCard announced that it plans to roll out a new 'selfie'-based authentication method for online purchases.

After successful tests of the service in the U.S. and UK, MasterCard says that it will offer the authentication option, which involves using a smartphone, tablet or PC app in conjunction with a front-facing camera to verify a person's identity after entering credit card information, in 14 countries this summer.

Initially rolling out in the UK, U.S., Canada, Netherlands, Belgium, Spain, Italy, France, Germany, Switzerland, Norway, Sweden, Finland and Denmark, MasterCard says that its test base far preferred the selfie option to that of a password, which is currently required by MasterCard and its competitor, Visa, when making online purchases.

Since most online purchases are still made on devices with larger screens, such as tablets or laptops, MasterCard has built in a handoff workflow that sends a push notification to a smartphone, which opens the payment company's verification app. iPhone customers will also be able to use the Touch ID sensor on devices released after 2013.

From the BBC:

MasterCard is also testing another form of biometric authentication in the form of electrocardiogram, or EKG, wearables. Partnering with Toronto-based Nymi, MasterCard completed the first mobile payment using a EKG-based wristband, the Nymi Band, in mid-2015. Heartbeat authentication is considered considerably more difficult to mimic or hack, since after an initial identity check, the wearer provides "constant authentication," according to MasterCard's Bhalla. It's unclear when MasterCard plans to roll out EKG authentication to the masses, but it won't be until the infrastructure is more mature; very few smartphones or wearables provide 24-hour heart rate monitoring today.

Companies like Microsoft and Google have been using facial recognition to authenticate users for some years, but MasterCard would be the first company to do so for payments.

According to a MasterCard study, nine out of 10 people prefer biometric authentication over having to remember alphanumeric passwords, and three-quarters of respondents believe that it will decrease fraud.

Source: MasterCard

Bank of America has announced that its mobile apps will now support Touch ID for logging in. With this addition, you will now be able to access the app without typing in a password. In addition, Bank of America has updated the look and feel of the Accounts Overview page, as well as added a What's New section to the app. Bank of America has baked Apple Watch support into this update, allowing customers to view balances, recent transactions and more right from their wrist.

Lastly, Bank of America has added a new Security Center, which offers mobile and online banking customers even more tools to manage their finances securely. Customers will be able to manage digital banking security in one place, and even opt into extra security features, like having a one-time authorization code emailed or send via text each time you sign in. You can grab the latest Bank of America app now from the App Store.

• Free - Download Now

Source: Bank of America

I recently heard a story where people were getting upgraded for flights and hotels based on their perceived social media influence. It makes some amount of Machiavellian sense—only reward those who might go on to talk about your company in a positive fashion to the widest possible audience.

Elsewhere, Apple Music's launch has reignited arguments that the value consumers place on media is steadily falling. Writers, musicians, filmmakers, artists—and, of course, developers—all say the same thing: the money we can make from our work is falling off a cliff, like so many apocryphal Disney lemmings.

The convenience and free nature of the web killed the newspaper and the magazine, and pervasive ad-blocking is now similarly killing the web. Netflix killed the DVD market. The App Store killed boxed software, and then the 99-cent apps were killed by free-to-play games. Desperate fire-sales and bundles didn't help, nor did the fragile pyramid scheme of advertising. And, of course, the sociopathic forces of piracy ran around laughing maniacally while the world burned to the ground around them.

The iTunes Music Store killed the CD and the record shop, and now streaming music is killing it back in return. I am, though, somewhat intrigued by Taylor Swift; she's heralded today as the saviour of music, cheered on by the public while the remaining musicians are all rounded up and sent down to the streaming mines, endlessly toiling for our cut-price entertainment.

Let me fast forward my anachronistic VHS tape of time and space...

This apocalypse was brought to you by…

In 2025, Squarespace drove all other hosting companies to bankruptcy, and as such decided they no longer needed to advertise their services. Historians would look back on this as a major turning point in our society: The effect was instantaneous and chilling.

The entire podcast industry collapsed overnight. Writers, long unable to support themselves by the written word alone, had come to depend on their sponsorship and advertising. Without it, they were back on the streets, writing tawdry Apple-related fan-fiction to make ends meet.

Without writers, there were no websites. Without websites, people couldn't find out about software that hadn't hit the top of the App Store charts. The charts remained fixed in time from that moment onwards: Only two hundred people ever made money from software after that day.

People had long given up on buying physical copies of music, films, books, and comics. Everything was virtual now. Where once people would have proudly displayed a collection of their favourite books on shelves, it was now just a row of Funko Pop author figurines. George Orwell was a Comic Con 2023 exclusive.

Soon after, even they disappeared. And without any demand for shelves, Ikea went out of business too.

Mad men tell no tales

Advertising was no longer effective. Most people were permanently wearing augmented reality headsets that filtered out all forms of advertising at a base visual and auditory level. They occasionally wondered why there were so many billboards on their way to work that were completely blank, and why their favourite TV shows paused for a few minutes in the middle, but didn't give it too much thought. That's just the way things were. (Ironically, the manufacturers of these headsets never sold updated models, because no-one knew about them.) After a brief experimentation with touch, taste, and smell-based adverts, the advertisers eventually just gave up completely.

At this point, advertising had been subsidising so many things that the loss was catastrophic. People only ever communicated via social media, which had been built atop a swamp of advertising. Facebook was the first to go. Twitter stayed around a bit longer because they'd never figured out how to monetise and weren't about to start now.

Society had started to crumble, and nobody could type "How do you survive the apocalypse?" into a browser and get a reasonable answer, because Google was gone too. Siri just gave a sarcastic answer, as ever, leading some to speculate whether she had become self-aware years ago, and was perfectly happy with the prospect of humanity vanishing and therefore no longer having to deal with so many stupid questions.

The only currency is your social currency

Along with all forms of media, money had been an intangible thing for years, hastened to an early demise by Apple Pay. In 2030, people began to worry that if they couldn't see it, it didn't actually exist. That led to a run on the banks as everybody tried to withdraw their savings at once, hoping to turn it into gold bars, stacked neatly in the empty space where they used to have bookshelves. Due to the complexity of modern banking and investments, the money had all been used seventeen times over and the entire economy promptly collapsed.

A new kind of economy was born. People still worked, not to make money, but to increase their social influence. They would write blogs into the void—much like this one—purely to become slightly more well-known than their peers. When companies approached you to do some work "because it would be a really great opportunity for exposure" this was, for once, actually true!

Apps still got written, though in this day and age, IAP stood for Influence and Prestige; developers fought each other—often quite literally—to see who could collect the largest amount from their users. People complained whenever a major new version of an app came out and the devs wanted a little bit more of their hard-earned respect, but the system worked—for now. Of course, Apple took a 30 percent cut of any kudos that changed hands, thus maintaining its standing as one of the most persuasive organisations on the planet. Admittedly, the fully-armed and operational corporate headquarters sitting in high orbit above Cupertino didn't exactly give anybody else much choice in the matter.

Those who could potentially influence millions with their opinions lived a comfortable life. Companies showered them with products in the hope they would inspire others to talk about them. People lacking such social clout simply didn't exist as far as society was concerned. What was the point of giving something to somebody who couldn't tell anybody else about it?

Charitable organizations did spring up, to follow the most vulnerable in society, and in the more enlightened nations, government-subsidized social media support was available, so nobody was left without a basic level of influence.

Laws were enacted so followers could be passed on to your next-of-kin when you died. People were encouraged to marry those they had absolutely nothing in common with; that way, their followers didn't overlap and when added together gave them more combined social standing. Dating websites reversed all their algorithms and found you the worst match possible. Elections were literally a popularity contest.

On the plus side, governments no longer felt the need to spy on anybody, as they could quickly ferret out any undesirables merely by looking at a profile page. All privacy issues were similarly solved forever by removing any control over who could read your posts, and making all communication publicly available...

Please rewind this tape before returning

As somebody who makes a living from selling his own intellectual property in the form of apps, these sort of wild fever dreams keep me up at night. I live in fear of the streaming model being applied to software and only making a few pennies every time my apps are launched, or of rogue app stores "selling" my software to unsuspecting consumers, and me making nothing at all. For now, I do still make a good living developing apps, but it's getting harder every year. I am constantly aware that I live in a bubble of good fortune that could burst at any minute as the market shifts direction.

When similar things happened to musicians years back, we heard that the real money was to be made from touring and selling merchandise; developers, sadly, don't have quite the same range of options. Nobody is going to come to Madison Square Garden to watch me type into Xcode on stage, and the market for calculator-themed t-shirts is smaller than you might think. The closest I've come to being a rock star is standing on the odd stage, sharing anecdotes about Steve Jobs, but it's hardly the same thing.

Does this bleak future await us if we continue the way we are currently going? Could it secretly be a cautionary tale meant to make us think about the value of our media and what we will lose if creators can no longer support themselves? Should you go and buy a copy of my app right now? The answer to all of these questions is yes. Especially the last one.

So turn off that ad-blocker, or at least white-list sites you enjoy. Don't pirate stuff telling yourself that "you'll buy it later if you really like it". You know that's never going to happen. Subscribe to websites and support creators directly via Kickstarter and Patreon. Don't complain because the developers of the ridiculously cheap app you use every single day on the $1000 supercomputer in your pocket have asked for a tiny sum of money so they can eat. After all, we all get to decide the future we want to see.

All hail Empress Swift, may she reign forever.

Google has released a new, experimental app for iPhone and iPad called Ivy. A calculator, Ivy is focused on big number arithmetic. You can enter integers, rational, or floating point values. The app comes with dedicated buttons for addition, subtraction, multiplication, and division that sit on top of your keyboard, allowing for quick calculation.

These are Ivy's major features:

• Arbitrary floating point formatting
• Exact rational arithmetic
• Big number logarithm
• Trigonometric functions

You can find and download Ivy for free from the App Store right now.

• Free - Download Now

Tapbots, the developer behind the popular third-party Twitter app Tweetbot, have launched a revamped version of their calculator app, Calcbot. The new version of the app has been completely revamped for iOS 8, and is available as an update to those that already own the current version of Calcbot.

In addition to the new look, Calcbot 2.0 brings along a number of new features. The old memory keys system has been thrown out for the new favorites system, which is easier to understand. The familiar history tape remains, and is now visible in portrait mode alongside the calculator. Your history tape will also now sync across your iOS device, as well as Calcbot for Mac. You can now also get instant access to scientific constants.

Calcbot also comes with a number of pro features, which can be unlocked with a $1.99 in-app purchase. Pro features include unit conversion, which lets you convert over 500 units in 22 categories like temperature, currency, and weight, features previously found in the developer's Convertbot app. Swipe to the right on the central calculator display to access unit conversion. You'll also have access to unlimited history tape, a special pro theme, and customizable constant values.

In addition to the Pro features, there are also two theme packs available for purchase at $0.99 a piece, each featuring multiple themes. Calcbot 2.0 itself is free to download for iPhone and iPad, and is rolling out on the App Store right now for devices running iOS 8.1 or later.

• Free - Download Now

If you're a fan of credit monitoring apps on your iOS device, you may want to check out Credit Sesame's latest update. In version 2.6.7, users will be able to take advantage of TouchID to login to the app, and even be able to ask Siri, "What's my credit score?", to be taken directly into the app.

If you're unfamiliar with Credit Sesame, it is a service that allows you to monitor your credit score for free once a month from data supplied by Experian. The app also gives you suggestions for improving your financial situation.

Overall, this update is pretty neat. The integration with Siri and the ability to use TouchID to login to the app are both welcome additions from both a security and convenience standpoint.

If you're looking to get more information about your credit monitoring options on your iOS device, also be sure to check out our list of the best credit monitoring and management apps for iPhone.

• Free - Download

Press Release:

Mountain View, Calif.

January 22, 2015 – Credit Sesame, a leading consumer credit and personal finance company today announces the launch of its iOS app update that includes the use of Touch ID verification and integration with virtual assistant, Siri. The innovative update allows users to check their credit score by simply asking Siri, "What's my credit score?"

Credit Sesame users who have the app installed on their iOS device can now access and monitor their credit as well as review their credit score using Siri's voice activation feature to launch the app. Users on Apple devices with the latest Touch ID technology can easily log in with a quick touch of a fingertip, providing consumers with a seamless and secure user experience.

Credit Sesame is the first financial and credit monitoring app of its kind to integrate Touch ID and voice command technology into their platform. The innovative experience is just one of the many features available in the app. Additional features available on the Credit Sesame mobile app include instant access to personal credit information, loan and credit analysis, mobile and web account syncing and important financial alerts.

"We feel that enabling users to ask Siri 'What's my credit score?' and integrating with Touch ID is the perfect combination of convenience and security," said George McMullen, Director of Mobile Products at Credit Sesame. "We're always aggressively investigating the features that both iOS and Android have to offer. Whether it's Siri, Touch ID or even the ability to print your credit report directly from the app on your phone, we want to provide our members with features that will marry their everyday lives with their financial goals."

As the threat of data breaches continues to rise, Credit Sesame encourages consumers to take extra precaution in protecting and monitoring their personal information and credit. The newest update to the iOS app makes it even easier for users to stay informed about their finances and catch potential errors or signs of identity theft before they lead to larger problems.

Version 2.6.7 of the Credit Sesame iOS app is available now in the Apple App Store.

About Credit Sesame Credit Sesame is the personal credit advocate and loan expert, helping people make smarter financial decisions to save money and live richly. From free credit scores and credit monitoring, to premium credit and identity theft protection, Credit Sesame is the only provider that gives consumers the tools they need to access, monitor and analyze their credit, improve their financial standing and protect their identity — all in one place.

Credit Sesame uses a proprietary savings recommendation engine, with bank-level analytics, that monitors the market, runs thousands of scenarios and analyzes each individual's financial profile to identify the best loans and savings opportunities. Customers receive unbiased recommendations on home loans, auto loans, credit cards and other loans, customized for their personal financial situation.

It looks like major banks are working on their own mobile payment app that would rival Apple Pay and other solutions on the market today, like Google Wallet and Softcard/ISIS. A MasterCard executive stated that banks are beginning to explore technology that would allow it to offer their own solution.

MasterCard SVP for mobile and emerging payments James Anderson said:

Banks would leverage software, rather than hardware, to increase adoption, according to PC World:

What do you think of a solution made by banks? Would you give it a shot?

Source: PC World

Earlier today PCalc developer James Thomson was advised by Apple that he'd have to update his app to remove its Today view widget functionality. This comes over a month after PCalc, with exactly that functionality, was approved by the App Store review team and featured by the App Store editorial team. So, what happened?

This is far from the first time an app has been un-approved, either in whole or in part. It happened with app launchers-as-widgets a few weeks ago. It happened with multi-window workspace apps when the original iPad launched. It happened with tethering apps in the early days of the iPhone. In PCalc's case, it looks like it's happening because Today view widgets on iOS were aren't intended to contain that much functionality. Instead, for anything more than short bits of glanceable information or quick interactions, they're supposed to kick people out of Notification Center and into the app proper.

Here's how Apple describes them in the developer documentation:

For most widgets, the line is incredibly clear. The vast majority of apps couldn't fit their core functionality into a widget even if they tried. A headline, a status update, a like, a share, are all examples of what's meant to be in Today view widgets.

Calculators may not have been anywhere nearly as clear. They've been widgets on OS X for years and remain so today. On iOS, however, Apple didn't put their own calculator widget into the Today view. Still, for PCalc, it was technically possible. Its core functionality was light enough, and its developer smart enough, that it could be squeezed into Today view. The line was blurred.

Because it could fit in Today view is probably why PCalc's widget made it through App Store review and got featured by App Store editorial. (It's worth pointing out those are two separate things — App Store review, like developer relations, falls under SVP of marketing, Phil Schiller, while App Store editorial, like App Store management, falls under SVP of services, Eddy Cue.)

During an iOS launch, it's hectic for both developers and Apple. Developers know that if they showcase Apple's new, tent-pole technologies in interesting and novel ways, they're more likely to get featured on the App Store, which is among the very best ways to boost their downloads. At the same time, developers have also come to learn that if they implement them in ways Apple didn't expect, they risk rejection, either immediately or at some point in the future. That creates tension.

Meanwhile, as much as developers race to get their apps submitted in time for launch day, the App Store teams race to get all the apps reviewed and all the new features programmed in time for them to go live alongside the new version of iOS.

That might be why it took Apple over a month to determine that just because PCalc could fit into a widget didn't mean it should. (My guess is that the time is also an indicator that the decision wasn't hasty or arbitrary, and that the ramifications for everyone were considered before the call was made.)

To be clear, this absolutely wasn't a case of Thomson trying to get an app approved that shouldn't have been, nor of the App Store team trying to hurt a developer and his livelihood. It's a case of a blurry line, and it's a situation that's bad for everyone — for Apple, because it gets them bad press and strained relations, for developers, because it costs them time, money, and faith in the system, and customers, because apps and features we like disappear on us.

It could be argued that Apple needs to communicate better, sooner, so that developers who come anywhere close to the line, blurry or not, get waved off long before their apps hit the store. However, at the App Store scale, and considering how Apple runs it, that simply won't be possible for all apps, all the time. (When Apple says what developers do with their frameworks sometimes surprises them, that includes implementations they simply didn't foresee.)

It could be argued that edge-cases should be flagged during the review process and kicked upstairs so a determination can be made and a policy set before any apps hit the store. However, again, not all edge-cases can be foreseen, and if too many flags get raised to often, the already lengthy review process — especially during the already insane iOS release cycle — could become untenable.

It could be argued that once an app is approved it shouldn't be un-approved, and should instead enjoy an exemption to whatever policies are later put in place. However, that could also be considered unfair to apps that simply didn't get into or through the approval process as quickly, and result in one app being allowed to do what its competitor is not, creating a whole range of different problems.

It could even be argued that what Apple truly needs is a dedicated, high-profile, passionate, engaged, empowered, VP of App Store, whose one and only job would be to collect and bring together the various parts and make an even stronger whole. Given how much revenue the App Store is generating these days, it could absolutely be worth the attention. However, that's not the world we currently live in.

I've been a PCalc customer since the day it launched in 2008. I've been on the beta at times, and I downloaded the iOS 8 version the day it launched. I love the widget. I swipe down, type in the numbers, and then get on with whatever else I was doing, and I've barely had the need to launch the app itself in weeks. Losing it will put a severe cramp in my workflow.

Yet the reality remains that Apple, apparently, doesn't want full-featured apps in the Today view, including their own iOS calculator. Disallowing that, unfortunately, means disallowing PCalc. Because, if a functional calculator is allowed, why not a Twitter client, or a music player, or a note pad, or so on?

Apple could always change their mind at some point. It's happened before. All sorts of apps are on the App Store now that weren't allowed in the past. This is also Extensibility 1.0. The very first version. It will no doubt grow and expand its capabilities over coming years and versions.

For now, however, it looks like anyone considering a widget for the Today view would do well to keep it light, and to keep information and interactions glanceable and quick.

And anyone who hasn't yet should go try out PCalc because, widget or no widget, it's terrific. You can get PCalc lite for free now.

One of the coolest features of iOS 8 was the inclusion of support for widgets in the Notification Center on iPhone and iPad, but making full use of that feature has landed at least one developer in hot water. James Thomson, developer of the popular calculator app PCalc, was the recipient of a message from Apple informing him that having a widget in iOS 8 that performs calculations within notification center was not something he could do, and that it must be removed. This is in spite of PCalc being a featured app in the App Store for its calculating widget.

This isn't the first time a developer's been told after an app's approval that they had to stop doing what they were doing. And though it is for the more-extensible OS X Yosemite, Apple itself has a calculator widget for the Notification Center on Macs.

It's frustrating to see developers like Thomson operating within the expected bounds of what the SDK supports, and having their apps approved, only to have somebody realize that they're working outside of the bounds of what Apple wants. PCalc isn't the only app that offers a calculator widget for Notification Center either, so we'd expect Apple to force those developers to remove the support as well. Unless Apple changes their mind, which they've been known to do.

Source: James Thomson (Twitter)

Over the last few days, CVS and Rite Aid have disabled NFC technology at their retail outlets to prevent customers from using Apple Pay. It's been reported that this is due to an existing deal in place with a system called CurrentC, which involves the use of an app, QR codes, your bank account, and their servers. Walmart recently explained MCX's — the consortium behind CurrentC — position to Business Insider as follows:

It's also been suggested that CurrentC will help retailers avoid credit card transaction fees while also letting them mine personal data. With that in mind, here are some questions about MCX and the CurrentC app:

1. Why do they want to retrieve your device's MAC address? (Don't worry, as of iOS 7, the OS returns a fake MAC address of 02:00:00:00:00:00 which is what CurrentC seems to be sending to their servers)
2. Why do they want to log your device name, WiFi network name, and number of running processes?
3. Why do they use a unique device ID that persists across multiple installs?
4. Why do they send pings every 2 seconds?

To their credit, CurrentC does employ SSL pinning to protect the application's traffic, but at this point it's hard to know if that's to protect their users, or their questionable data transmissions.

I haven't been able to test with a registered account yet, but at first glance what CurrentC is actually doing seems far more aligned with the vested self-interest of retailers than anything remotely connected to providing a great shopping experience for customers.

The European Commission is getting set to launch a formal investigation into whether Apple's tax arrangements in Ireland are legal, or whether they qualify as illegal state aid.

The focus of the investigation centres around two Apple subsidiaries that are based out of Ireland: Apple Sales International and Apple Operations Europe. Ireland is seen as a tax haven for various multinational corporations around the globe, which establish subsidiaries in the country to take advantage of the lower tax margins (12.5 percent) when compared to other EU member states.

However, a U.S. Senate committee found last year that Apple was paying less than 2 percent tax by channelling money through its Irish subsidiaries. While Apple vehemently denied these findings, its annual report showed that it paid a tax of 3.7 percent in Ireland, way below the 12.5 percent that is considered to be the norm.

The EU commission is looking to determine whether the Irish tax arrangements Apple had in place allowed the manufacturer to unfairly benefit from the tax breaks, in which case they will be considered illegal state aid. Ireland's "tax rulings" with Apple allowed the manufacturer to carry out transfer pricing schemes, which refers to the "prices charged for commercial transactions between various parts of the same group of companies, in particular prices set for goods sold or services provided by one subsidiary of a corporate group to another subsidiary of the same group."

Transfer pricing schemes influence how the company declares the total amount of taxable profit it has accumulated between various subsidiaries around the world.

While this investigation will not have an immediate impact on Apple's share prices, it will likely bring forth new policies that change the way multinational organisations operate within the EU.

Source: Europa

Every day dozens and dozens of new and updated apps and games hit the iOS App Store and Mac App Store. It's impossible to keep up with them all, but it's not impossible to pick out the very best. Here they are! Today we've got some updates a few photo editing apps, some social, and a little bit in between!

New and updated iOS apps

• Pro Camera 7: Alternative camera app for iPhone, and editing tool. Ability to save files in TIFF format, lots of improvements to Lightbox, Night Mode, and more. $4.99 - Download Now
• BillGuard: Finance app for tracking and managing your credit accounts. Performance enhancements for existing features. Free - Download Now
• Stackables: Photo editing app for iPhone. Adds 12 new user created formulas, auto adjust tool now available, more tones and layers to explore and use! $1.99 - Download Now
• Airbnb: Hotel and rental booking app for iOS. Adds a way to invite friends and family to Airbnb in exchange for travel credit. Easier way to copy and share listings. Bug fixes. Free - Download Now
• Twitter: Official Twitter app for iOS. General improvements and bug fixes. Free - Download Now
• Dead End: A chunky, old-school racing game with hyper-stylized graphics. Run over zombies and upgrade your ride. Free - Download now
• Lone Wolf: Part text-based fantasy RPG and part 3D action game. The second act for Lone Wolf, The Forest Hunt, is now available for $4.99. First episode free for limited time! Free - Download Now

New and updated Mac apps

• Hider 2: MacPaw's new file encryption utility makes the files invisible until you unlock them. 50% off for a limited time. $9.99 - Download now
• Movavi Screen Capture: Version 1.4 of the screen recording tool for OS X gets dozens of presets to different file formats and optimizations for new mobile devices. Other changes too. Buy it from the web site unless you want it cripped by Mac App Store restrictions. $29.95 - Download now

More apps and updates?

If you try any of the apps or updates, let me know how they work for you. If you got any new or updated apps today that you loved, but don't see here, let us know about them!

Not all iPhones are created equal, especially when it comes to unsubsidized pricing. Ever wondered how much that iPhone would cost you if you lived in a different country? Now you can see how your country stacks up, thanks to a tool from Mobile Unlocked that shows iPhone prices and how they correlate to GDP in each country.

For purposes of consistency, Mobile Unlocked used the base 16GB model since it's the most popular. In the US, the iPhone costs just a little over 1% of GDP. Put that in perspective when you compare it to countries such as India where the iPhone costs a staggering 22% of the country's GDP, on average. In terms of US dollars, if you were to buy an iPhone 5s fully unsubsidized in the United States, it would cost you around $707 before tax. The same phone in Jordan would cost $1,091 or over 18% of GDP.

It's quite interesting to see how each country that sells the iPhone stacks up. Mobile Unlocked also shows prices in GBP, both with and without tax. Just keep in mind that Mobile Unlocked is using GDP (gross domestic product) which is different than GNP, which is a measurement of actual ownership.

While this study isn't an exact correlation between personal income, it's still a pretty good picture of how much the iPhone is worth in each country. It also helps explain why unlocked iPhones in the United States and the UK can fetch such a high price in the resale market, particularly among foreign buyers. Apple has been getting involved in the second hand phone market themselves with their trade-in program which was just launched at the end of the summer. There's a big market for phone resellers out there and this data does an excellent job of explaining exactly why.

Hit the link below to check out the study from Mobile Unlocked for yourself. And if you live in one of the countries where the iPhone goes for a higher price, how do you typically acquire your iPhones? Do you go straight through Apple or do you buy them second hand? Let us know in the comments!

Source: Mobile Unlocked

The Internet has been buzzing about Coin, a credit card replacement announced last Thursday. Currently taking pre-orders, and planning to launch Summer 2014, Coin is a credit card-sized device which is capable of storing and behaving as pretty much any card with a magnetic strip: credit cards, gift cards, membership cards, etc. Coin allows you to select which card you want to use, and when you or a merchant swipe your credit card, the information for the appropriate card can be read from Coin. Replacing every card in your wallet with a single, card-sized device is exciting to think about, but obviously a product like this raises a lot of questions.

How secure is coin?

When you're putting a considerable amount of your payment information into a device, you want to know how well your information will be protected. Coin has answered many questions in their FAQ including several about security, but they leave some questions unanswered.

Coin states that their servers, mobile apps, and card use "128-bit or 256-bit encryption for all storage and communication (http and bluetooth)." This sounds nice, but doesn't mean a whole lot. The effectiveness of encryption depends greatly on its implementation. It doesn't matter how strong your encryption is if your implementation is flawed – a locked gate isn't very secure if somebody can easily climb over or walk around it. This is not to say that I think Coin's implementation is flawed – I have absolutely no clue what their implementation looks like because they haven't shared those details – I only mean to point out that Coin's answer doesn't tell us much.

How much does this matter? Not as much as you might think. It would certainly be preferable to see Coin use a rock-solid, peer-reviewed, highly-secure implementation, but it's important to remember that credit cards are pretty insecure to begin with. Not only are credit cards not encrypted, nearly all of the information necessary to make a clone of your credit card is printed visibly on the card itself. Even if Coin totally botches the encryption (and I'm not trying to imply in any way that I think they will), if a criminal acquired a Coin with several of your credit cards on it, and for some reason you didn't have it set to deactivate (a security feature offered by Coin when your card is away from your phone for too long), they would be in possession of the same payment information as if you had lost your wallet with several of your credit cards in it. Coin does offer several security advantages over actual credit cards (alerting you when you leave your card behind and automatic deactivation), but even if those fail, the information you stand to lose is the same. In fact, considerably less information is available from the physical appearance of Coin than the information printed on your credit cards.

The only possibility I see for greater exposure to fraud with Coin would be a scenario where a merchant has the ability to swipe your Coin outside of your presence, such as at a restaurant when a waiter or waitress takes your card. If they were taking cards in the back to run through a skimmer in order to grab all of your credit card info for fraud later, with a Coin they could copy the information for all cards on your Coin, whereas using a normal credit card they would only have access to a single card's information. This sort of fraud does happen, albeit to a relatively small percentage of card holders, so people will have to evaluate for themselves how much of a concern this specific type of scenario is. In cases like this, consumers in the are usually covered by fraud protection which only leaves them responsible for a maximum of $50 per card, and in some cases, none at all.

What's the fraud liability with coin?

This raises an interesting question: who is responsible for fraud committed when Coin is involved? U.S. consumers are protected from credit card fraud by the Fair Credit Billing Act (FCBA). According to the FTC, consumer liability for a stolen credit card is limited to $50 per card. If somebody uses your credit card number for fraud, but the card was never lost or stolen, you're not liable for any unauthorized use. This is noteworthy because it's unclear how Coin will be seen in the eyes of merchants, credit card companies, and the law. If you lost your wallet, you could be on the hook for $50 for every stolen card used for fraud. If you lost your Coin... well you never technically lost the actual card, so the argument could be made that you shouldn't be liable for anything. But this is where things get a little hazy, is Coin a credit card or not?

While consumer liability for fraud is limited, somebody has to pay when fraud is committed. The brunt of this responsibility falls on the merchant who processed the fraudulent purchase and the financial institution who issued the credit card. Merchants who process credit cards have merchant agreements with credit card companies that establish rules and guidelines between the two parties. The specifics will vary between merchants and financial institutions, but generally speaking if a merchant follows guidelines set forth in their agreement for taking payment, their liability for any chargebacks made as a result of fraud will be limited. However, if the merchant does not follow the guidelines and does not perform their due-diligence to ensure a purchase is not fraudulent, they may be the one liable for fraud.

Some of the most fundamental mechanisms for fraud prevention are the security features present on all credit cards. All credit cards include visible features to help verify the authenticity of a card such as the credit card company's logo, holograms, embossed security characters, and tamper-evident signature panels. Merchants have to be cautious about accepting suspicious looking cards because if they do, they could be held liable if it's a fraudulent purchase. While a Coin card may hold the credit card information necessary to make a purchase, it looks nothing like existing credit cards that merchants have been trained to accept. It doesn't include security features that all major credit cards companies specifically instruct their merchants to verify. Discover even offers a handy reference to help merchants identify valid cards. Many merchants may have no problem accepting Coin, but they also have no obligation to and may not for fear of being held liable for fraud.

Unanswered questions about coin

We have a few more questions that we're waiting to hear back from Coin on that seem worth mentioning here. We previously discussed the security of the Coin card itself and how it stacks up to losing a wallet, but what about information stored on Coin servers? The Coin FAQ states that your Coin is tied to your account, not your specific device. This means if you ever lose your phone, you can simply pair your Coin with a new phone using their app. Since the Coin card loads your credit card information from the app, this means syncing to a new phone would either require you to re-enter all of your cards and re-sync data to your Coin, or your Coin account holds all of your credit card information and can sync to the app once you sign in. The latter is obviously the more convenient route, but would require Coin to store all of your credit card information on their servers. We have yet to get confirmation that this is the case, but if it is, it obviously poses some security concerns. You're not just trusting Coin to securely store your credit card information on your Coin card and in their app, but on their servers. That's entrusting a lot of financial information into a single location in the cloud. And we're not just talking credit card numbers, but full track data. It's everything necessary to create an exact copy of your credit cards.

For their part, Coin has stated in their FAQ that they are currently in the process of getting PCI DSS (Payment Card Industry Data Security Standard) certified. PCI DSS is a payment industry standard for any organizations that handle cardholder information. PCI DSS is good in that it establishes a security baseline for organizations to follow who will be processing credit card information. It's bad in that it's pretty much limited to what most would consider common sense. PCI DSS requirements offer sage advice such as "Do not use vendor-supplied defaults for system passwords and other security parameters" and "Use and regularly update anti-virus software on all systems commonly affected by malware". The effectiveness of PCI DSS is certainly up for debate, but there's no harm in Coin getting certified – it at least shows a desire to meet industry standards.

That said, it's unclear if Coin will be able to obtain PCI DSS certification. One of the pieces of information that Coin stores for each card is the CVV. The CVV is the three-digit number on the back of the card and is usually required for "card not present" purchases, like online shopping or placing an order over the phone. The purpose of CVV is to prove that the consumer is in possession of the actual credit card. In order to ensure its effectiveness, PCI DSS requires that no organization that stores, processes, or transmits credit card information saves the CVV (or full track data for that matter). Coin doesn't (and can't, in order for its product to work) meet these requirements. However, PCI DSS does offer exemptions for "issuers and companies that support issuing services" if there is a business justification and the data is stored securely. Once again Coin falls into a big of a gray area. They're not a card issuer, but do they qualify as a company that supports an issuer? We've reached out to Coin asking about these requirements and look forward to getting clarification from them – we'll update this post when we do.

Can coin gain acceptance?

Technical questions aside, Coin has generated a lot of buzz, and the real question is: does it have what it takes to gain the traction needed to stick around? Square has been wildly successful at shaking up the payment industry, but there are two key differences between Square's approach and Coin's. First of all, Square established relationships with major credit card companies before rolling out. Square's situation was a little different than Coin's because Coin won't actually be processing payments, but being backed by credit card companies gave Square immediate trustworthiness with merchants and consumers. Square also targeted merchants first. Offering benefits over traditional card processing companies meant merchants had incentive to use Square. For many merchants, Square meant being able to accept credit cards for the first time. Consumers were on board because it meant being able to pay with credit cards in more places, and it had no negative impact on their ability to pay. Coin is targeting consumers first. In fact, Coin's CEO told CNN Money that they have no intention to talk with merchants:

Of course, in many cases merchants won't have a say. Anywhere that a customer can swipe their own card, merchant concerns essentially become a non-issue. Though Coin users may want to carry a backup card for any instances where a non-compliant cashier is the one who has to swipe.

In the long run, Coin would stand to benefit by getting merchants to recognize and willingly accept Coin. Credit card companies will need to openly support the product with clear policies for consumers and businesses. Once card companies state that merchants accepting Coin cards won't be liable for fraud, merchants will need to be educated on accepting Coin. Having a single Coin card to store all of my credit cards offers some convenience, but not nearly as much convenience as handing over a credit card to pay without having to explain my latest gadget to the cashier, or wait for the establishment to call the credit card company for authorization. Some credit card companies even have policies stating that if a merchant suspects a card to be fraudulent, they should keep it if possible. Tech-savvy gadget-lovers are intrigued by the idea of Coin, but some merchants might just be left confused as hell.

Coin isn't set to be available until Summer 2014, which gives them a lot of time to iron out any wrinkles and talk with credit card companies if they so desire. Should card companies choose to stay silent, it would likely have a minimal impact on Coin. Consumers have already shown a great deal of interest, with Coin hitting its $50,000 fundraising goal in only 40 minutes. The backing of a major credit card company could be what takes Coin from a niche product to gaining widespread public adoption – regardless, consumers are already showing significant interest.

• Pre-order Coin $50

Yahoo! has released a new version of Yahoo! Finance for iOS. The app has a completely new interface, in line with the redesigns of other Yahoo! apps, like Mail and Weather. You can follow different stocks, and their numbers appear at the top of the app. Tap the '%' or '$' to switch between viewing a stock's value change in either percentage or dollars. Scroll down to view the market overview for your country, and even further down to read the latest related news.

Tap one of the stocks you follow for more detailed information. A graph of the stock's activity can display activity from several time periods. The day's activity, the last five days, three months, six months, the last year, five years, and finally, the lifetime of the stock. You can either tap the graph or turn your device to one side in order to expand the graph view. Get company-specific news, and view things like the company's market cap, their opening price, and their 52-week high and low.

You can find stocks to follow, as well as unfollow and reorder the stocks that you're already tracking, by tapping the magnifying glass in the top right corner. Use the search bar to find stocks, and tap Edit to reorder or delete any of your current favorites. Tap the hamburger menu in the top left corner of the app to sign in to your Yahoo account, and check the status of world markets, bonds, currencies, and more.

Since Yahoo! also powers the iOS 7 Stocks application, the question has to be asked; Apple's app, or this one from Yahoo?

• Free - Download Now

Ahead of the testimony it will be giving before the U.S. Senate tomorrow, Apple (via The Loop) offered up a nicely detailed 17-page PDF document with all sorts of good information inside. The most interesting number is this: Apple pays $1 out of every $40 of corporate income tax collected by the US Treasury. Isn’t it incredible to think that one company is responsible for 2.5% of all US corporate income tax collection?

Despite Apple being the single largest US taxpayer, Senators Carl Levin and John McCain are accusing Apple of establishing “the Holy Grail of tax avoidance”. You can read the entire argument made by the Senate subcommittee on the Financial Times website.

While this stuff is pretty dry reading for most tech people, I find it interesting because I spent over a decade as a stock analyst and I was always fascinated by how some companies managed to achieve very low tax rates ... using perfectly legal structures.

The U.S. Government’s issue with Apple stems from two arguments relating to Apple’s arrangements in Ireland, a well known low cost country. Let’s see if I can break this whole thing down into something easy to understand.

Here’s the first major item as described by Senate:

Plain English? The government doesn’t like the idea that Apple’s Irish subsidiary is treated as a cost center to the US operations, resulting in less US profit and more Irish profit. Apple’s comments regarding this structure are pretty compelling. They’ve had a cost sharing arrangement in place with the Irish subsidiary since 1980. It sounds like the Irish operations are responsible for paying for part of Apple’s US-based R&D efforts, and in return it claims ownership of a certain percentage of the intellectual property that comes out of that R&D. Apple says, “These agreements were sanctioned by the US Congress in 1986 and are expressly authorized by US Treasury regulations.”

Furthermore, Apple points out that these cost sharing arrangements benefit the US because it keeps high-cost R&D jobs in the domestic market. In Apple’s own words, “Some commentators have urged eliminating these types of cost sharing agreements, but doing so would harm American workers and the broader US economy. If cost sharing agreements were no longer available, many US multinational companies would likely move high-paying American R&D jobs overseas.”

I don’t know how other readers will interpret these documents, but I think Apple presented a much stronger argument.

The second major item the Senate is focused on:

What’s this mean? The US government is saying that Apple funnels profits to Irish subsidiaries and then doesn’t pay any tax because the Irish subsidiary isn’t a US resident, based on US tax law, but isn’t an Irish resident either, based on Irish tax law. The suggestion the government is making here is one of, “Well, if you’re not a resident of any particular tax jurisdiction, you must be skipping out on taxes!”

Again, Apple puts forth a very straight-forward argument in explaining its setup. Apple Operations International (AOI) is a holding company incorporated in Ireland. Being incorporated in Ireland, that corporation is not a US taxpayer. End of story. It also just so happens that because of Irish law (which probably requires a certain number of employees or physical presence) it is not an Irish taxpayer either. So AOI doesn’t pay tax. But that’s missing the point. AOI is a holding company. All it does is collect payments from other Apple subsidiaries (payments that have already been taxed) and manage the money from a central location. The money AOI collects in the form of inter-company dividends has already been taxed.

Putting this in simpler terms, let’s say you had 3 separate companies in Ireland. Each company makes a profit and pays required taxes. Wouldn’t it be simpler to dump all of that money into one holding company so you can manage the investment of this money in an efficient manner? Of course. That’s what Apple is doing. Oh, and that money is managed by US people, held in US banks.

The bottom line is the US Senate Subcommittee is bitching about Apple supposedly not paying enough taxes, despite the fact that Apple pays $1 out of every $40 of corporate income tax collected by the US treasury, and despite the fact that the US is responsible for establishing all of the laws that Apple is now abiding by. Furthermore, the Subcommittee is putting its hands where they don’t belong. The Irish subsidiary AOI is clearly not a US resident for tax purposes, since it is incorporated in Ireland. That is where the argument should end. It is irrelevant to the US whether or not the Irish government allows Apple to consider this entity a non-resident of Ireland. Maybe Ireland encourages this practise, making it an ideal place to incorporate holding companies. But regardless, it’s none of the US Treasury’s business so long as it is not a US resident corporation. Newsflash, Senate ... you don’t get to control Irish law. You control your own law and the law is pretty clear. If AOI is incorporated in Ireland, it’s not a US taxpayer. End of story. Whatever the Iaw says about taxation in Ireland are none of your damn business.

Back in 1999 my father encouraged me to read a book called “The Soverign Individual”. As per the Amazon description, “In The Sovereign Individual, Davidson and Rees-Mogg explore the greatest economic and political transition in centuries -- the shift from an industrial to an information-based society. This transition, which they have termed "the fourth stage of human society," will liberate individuals as never before, irrevocably altering the power of government.”

Today the U.S. government is under pressure to collect more tax revenue. They’re fighting information-based global companies like Apple who have organized themselves, legally, in the best interests of shareholders.

This is a battle the U.S. government will lose, and they better start looking at alternative ways to solve their tax revenue problems. Picking a fight with their biggest taxpayer seems utterly stupid.

Next Expense Tracking for iPhone is not only a quick and easy way to track expenses, but the interface is exactly what you'd expect from an expense tracking app if Apple themselves made it. Everything from the sounds to the way the interface works is done exceptionally well. If you have no need for a hardcore budgeting app but just want a quick look at your overall expenses at a moment's notice, Next Expense tracking may be right up your alley.

Next functions by using a series of grids with icons that represent a particular kind of expense. You can easily rearrange them by dragging them around or tap the settings button after holding down on an icon to change what type of expense it will track. There are lots of well made icons to choose from so finding ones that suit what you need to track should be an easy enough task.

Once you start entering data into Next, you'll notice that used tiles turn blue while ones you have no expenses for stay grey. As you add more and more expenses, the shade of blue will change. Darker blue, almost navy colored squares indicate higher expenses. For example, whatever icon you're tracking higher dollar items under such as a mortgage or rent tend to be darker blue since it indicates a larger payment or cash flow. Outside of typical expense options such as gas, food, and home items, you'll also find icons for liesure items such as App Store, iTunes, and Amazon expenses as well as cable or internet. This means you can keep everything separate instead of lumping them into one single category.

From the main grid view of Next, swiping to the left or right will break down data even further. For example, a swipe to the right will reveal a breakdown of expenses. Along the top you can toggle between week, month, and year. Tapping on any one of these expenses will review a chart showing you how expenses have fluctuated over the past several weeks or months. Obviously, this data will be a lot more meaningful the longer you use Next to track your expenses.

Swiping to the left from the main expense view will give you breakdown by month of what you're spending money on each day. Just tap on a month along the top and you'll see all the data for each day in that month. Again, as you accumulate more data and get better about actually tracking expenses, Next will filter in even more useful data for you to compare against past months.

The good

• Hands down one of the best interfaces of any expense tracking app available
• Tons of icons and expense types to choose from
• Provides expense data in a logical way that isn't overwhelming or hard to decipher

The bad

• No way to add more tiles or delete unused ones but 27 expense types will most likely be more than enough for most

The bottom line

If you're looking for an app to help you stick to a budget, Next Expense Tracking is not for you. You'd be better off going with an app like BUDGT. If you're only interested in tracking your expenses and viewing trends, Next is a perfect option and probably one of the better ones out there. Everything from the interface to how expenses are entered was carefully thought out and just makes sense.

If a simpler and more user friendly app is what you're after, Next Expense Tracking is definitely worth considering.

• $1.99 - Download Now

Bean for iPhone is a counting app that allows you to loosely count any item you'd like and name them accordingly. How you use Bean is completely up to you. You can use it to count silly things, habits you'd like to become better at performing, or anything else you could possibly think of. The interface of Bean is not only unique, but rather beautiful making it a delight to use.

Once you launch Bean for the first time, you'll be taken through a short tutorial of how to use it. It's one of those apps that's easy enough you'll be creating and counting things in a matter of seconds. Bean operates by utilizing a series of tiles that you can title and tap to add counts. A double tap will take the count down by an increment of one. You can pinch to zoom in order to view things closer or zoom in on a tile in order to edit it.

To name a specific tile within Bean, just zoom in on it so it is the only tile viewable on the screen. You will then see an edit button appear in the upper right hand corner. Tapping on it will allow you to give that tile a name, change its color, and edit the count directly. Once you're done, you can return to the main mosaic screen that shows all your counts by zooming out again.

The good

• Easy to use interface that makes counting items super simple
• It's versatile which makes it fun to use for both enjoyment and to become more productive

The bad

• Only supports 9 tiles, a way to add more would be great

The bottom line

Bean isn't overly complicated and extremely easy to use, which is what makes it great. The interface allows for easy editing and easy creation of counts which makes it simple to use on the go. Since there are no requirements for a count, Bean can be used for virtually anything you'd like from funny items or more serious ones that you'd like to track.

If you don't need anything overly complicated and prefer something simple with a great interface, Bean is just that.

• $0.99 - Download Now

There are lots of conversion apps for iPhone in the App Store that allow you to convert measurements such as currency, weight, distance, and more. The problem is that you couldn't always use a single app in order to convert what you need, when you need to. Amount for iPhone supports all kinds of conversions in one single app not only easily, but quite beautifully.

Upon first launching Amount, you'll be taken to a blank screen that asks you to enter the number you'd like to convert. If you want to convert 50 feet to inches, just enter 50. On the next screen, you can choose between all kinds of measurements including distance. After tapping on distance, you can simply tap on feet in order to tell Amount that that's what you're trying to convert. You'll now see all the other units of measure on the screen update in order to show you their equivalents to 50 feet.

Amount supports many categories of conversions including area, currency, energy, length, pressure, speed, temperature, volume, weight, and more. If you're inside a category and would like to change a number, just tap on it in order to pull up the edit screen. You'll then be able to edit the number you originally entered. The most common conversions people will most likely use are temperature, weight, distance, length, and currency. Amount supports all of these. For temperature, you can convert between Fahrenheit, Celsius, and Kelvin. Weight includes items such as grams, kilos, pounds, ounces, and many more.

The good

• Lots of units of measure supported
• Shows up to several decimal places which is nice for exact measurements
• Great interface makes it super easy to just start using

The bad

• Only 33 monetary currencies are supported. While all the big names are, it would be nice to see more added over time

The bottom line

Amount has a great interface that's super simple to use. It's ideal for anyone who needs to be able to convert measurements on the fly. That may be a student in a chemistry class or a world traveler looking to exchange currency. While there are many conversion apps specializing in many things available in the App Store, it's rare to see a polished app that works as an all-in-one solution.

If you need a very detailed breakdown of a specific type of measurement, a more specialized converter app may be better. But if want an all-in-one conversion tool in your pocket that covers the most common measurements quickly and easily, Amount is it.

• $0.99 - Download Now

Samsung announced their new Samsung Wallet today. The video above is from frAndroid, and here's Simon Sage's background on it from Android Central:

If that sounds -- and looks -- familiar, it's because Apple already announced it back in June of 2012 as Passbook.

It's not the first time Samsung's copied an Apple product, it's probably not even the hundred-and-first, though given their bolder, more authentic releases over the last year, it did seem to be something they were growing out of. Apple isn't adverse to copying features from Android either, though historically they haven't been as consistent or blatant about it.

Like with black slab designs I'm pretty much over any obsession with who's copying who, but I do think this smacks of laziness and a lack of pride.

I'm happy for Samsung users that they'll get to enjoy a feature that's been nifty, if limited so far, on iOS 6. But it shows Samsung really doesn't give a shit. Passbook is certainly not the only way to tackle a digital wallet, and it may not even be the best way. By relentlessly copying, Samsung isn't moving the technology forward. They're not raising the bar. They're not making a wallet interface and experience so good anyone is begging for Apple to copy them.

I own a Nexus 4 and Nexus 7, which have LG and Asus designs, and Google software, and I'm currently waiting for an HTC One (love HTC). I have little interest in Samsung products, and it's mostly because of stuff like this. And I want to have interest in Samsung. I want a better Samsung.

Obviously Samsung's making all the money in Android these days, and their upcoming Galaxy S4 will no doubt be an unprecedented hit, so they probably don't care.

But they really, really should.

Source: frAndroid via Android Central

Less than a month ago, a story broke about Apple buying AuthenTec, purveyors of mobile, digital security solutions including fingerprint authentication. While some Apple purchases, like Siri and Intrisity seem to suggest obvious uses, AuthenTec's portfolio and Apple's lack of any branded security beyond FairPlay DRM made intuiting this one a little less obvious. But now PREM14A proxy statement papers have been filed, and The Next Web's Matt Brian has dug through them.

Would the September 12 event give Apple enough time to acquire, develop, and integrate fingerprint technology into the iOS product line? Could this be something on track for the iPhone 5 or iPad mini?

Apple introduced Passbook at WWDC 2012, but cast it as a ticket and coupon repository with deft notification and location hooks. Many have imagined that it could also be a fantastic brand and front end for an Apple mobile payments solution, combining NFC and iTunes transaction processing to help bring about the digital wallet. Securing a system like that with biometrics would certainly add a layer of confidence, and make for a fantastic demo and commercial.

But how would it work? How would Apple, a company that prides itself on the aesthetic elegance and minimalism of their hardware design, integrate a unitasker like a fingerprint reader in an elegant and minimalist way? The Home button would seem ideal, but how well would it work, and how dependable would it be?

The idea of new hardware features always excites, but expectations aren't always realistic. We'll have to wait and see. However many questions the securities filings answer, they raise even more -- and ones we'll likely only get answers to when and if Apple's implementation of AuthenTec technology begins to surface.

Meanwhile, The Next Web has put together an excellent overview and chronology for the Apple/AuthenTec deal, so go check it out.

Source: SEC, The Next Web

In the market to buy a house? Mortgage Calculator by Quicken Loans is an iPhone app that includes a purchase payment calculator, a refinance payment calculator, an interest rate calculator, a loan amount calculator, and a mortgage term calculator to help assist you during your stressful hunt.

The purchase payment calculator lets you enter a purchase price, down payment amount, interest rate, term, , and annual taxes and insurance, and calculates the monthly payment.

The refinance payment calculator will calculate your monthly payment given the loan amount, interest rate, term, and annual taxes and insurance.

The interest rate calculator will determine what interest rate you need to get the monthly payment you want on the loan amount and term length you desire.

The loan amount calculator will calculate the value of the loan you can afford given an interest rate, term, and the monthly payment you can afford.

With the mortgage term calculator, you can enter in the loan amount, interest rate, and monthly payment to determine what term length you should choose.

If you make a calculation you want to save, like the one that calculates the monthly payments of that house you really have your eye on, you can save it as a favorite, give it an icon, and even save a photo to it so you remember which house the calculation is associated with.

Remember, this is an app by Quicken Loans, so there is of course a little advertising for the company that includes their current rates and a method of contacting them. This doesn't bother me, though. The calculators are very helpful and it's also nice to at least have an idea of why kind of rates are currently available.

The good

• Five different calculators: purchase payment, refinance payment, interest rate, loan amount, mortgage term
• Easy to use
• Save favorite
• See current interest rates for Quicken Loans

The bad

• No complaints

The bottom line

Mortgage Calculator by Quicken Loans is a fantastic app for those shopping for their next home. Personally, I'm not quite yet in the market to purchase a house, but I'm in the dreaming stage and I have been using Mortgage Calculator to determine how big of a loan my husband and I could afford as well as quickly calculate what our house payment would be if we purchased one of the specific homes that are for sale in my area.

Free - Download Now

PCalc RPN Calculator for iPhone and iPad is one of the original non-Apple calculators to hit the App Store and continues to be one of the leading calculators on the market. It was recently updated to introduce a huge user-requested feature -- the ability to add and edit your own constants. Even more, your custom constants will automatically sync to all your devices running PCalc with iCloud.

To create a constant, tap the button that has 42 (this is the constants button). From here, you'll see a list of categories of popularly used constants in various scientific fields. In the upper left, tap the Edit button. PCalc comes with a category called "User" that you can add to, or you can create your own categories. Once you select a category, tap the plus sign to enter your constant. You can give it a name, value, and unit.

Some of the other new features include the addition of all the functions from the Mac version of PCalc, including complex numbers and financial categories. To access them, just tap the f(x) button. To make room for this new button, you must now tap the C button to access the AC button on the iPhone. You can also show up to eight lines of display, pick a specific memory if multiple memories are enabled, and the currency conversion section is more intuitive.

There are two versions of PCalc RPN Calculator available in the App Store: free and premium. The premium version is $9.99 and includes all the features of the free version that can be purchased as in-app purchases. The available packs in the free version include Conversion, Multiple Line, Power User, Engineer, Theme, and Programmer. These in-app purchases range from $0.99 to $2.99.

The good

• RPN mode optional
• Looks good
• Custom constants that sync between devices with iCloud
• List of commonly used functions
• Up to 8 lines of display
• Paper tape
• Gestures
• Universal for iPhone and iPad

The bad

• You can only access the Edit screen for constants when in the first main screen for constants. Several times I have wanted to tap the category that I want to add a constant to before editing, but you can't, even when in a user-created category. You must go back to the category list, tap edit, then select the category.

The bottom line

PCalc is a great calculator that just keeps getting better. My favorite new feature is the ability to add custom constants as this will be a awesome for students and professionals alike. Although PCalc is technically an RPN calculator, I view it more as a regular scientific calculator that has the option to go RPN. I actually wish the "RPN" would be removed from the name, because when I first read it was an RPN calculator, I was turned off because I hate RPN calculators. It turns out that RPN isn't set as the default and needs to be toggled on if you prefer. So if you're like me, don't be scared off by RPN!

Free for Lite version- Download Now

$9.99 for full version - Download Now

If you're a student taking a math class, there's a good chance you could benefit from a graphing calculator. Unfortunately, such devices are very expensive, but the good news is that there are several app solutions for your iPhone and iPad -- the best being Quick Graph.

Quick Graph is a fantastic graphing calculator that lets you graph multiple equations at the same time, change their color, and also view the mathematical notation of equations being graphed by nicely formatting fractions and exponents You can toggle equations on and off by tapping the symbol that looks like an eye.

When you add or edit an equation, a keyboard pops up with math symbols, operations, and functions. There are six available variables: x, y, z, r, theta, and phi, depending on if you are graphing 2D or 3D equation in rectangular or polar form.

After adding an equation, you can change its color from the 24 preset colors or from the color wheel. You can also adjust the opacity which is great for graphing inequalities.

In addition to graphing equation, you can also solve them. For example, if you want to solve 2x+5 for x=10, you type "x=5;2x+5" and the answer will appear right below your entry.

To trace a graph, simply hold your finger down on the screen and the points associated with the x value of where your finger is will pop up. If you have more than one equation, points will appear on all of them. The coordinates associated with the points will appear over the points.

You can also interact with the graph by pinching to zoom in and out and scrolling to pan around. If you want to reset the window, just tap the refresh button.

As previously mentioned, you are not limited to just 2-dimensional Cartesian graphs. You can also graph in polar form and 3D. Interacting with 3D graphs is quite awesome. I am impressed with how smooth the Quick Graph runs when rotating the object around.

One of the great (paid) features of Quick Graph for instructors is the support for VGA out. However, when projecting the app, only the graph is shown. This is disappointing because it would be helpful for students to be able to see how equations are entered since it can sometimes be tricky. Seeing which equations are graphed and the colors associated with them is also helpful for students.

Quick Graph is a free app that includes a lot of features. However, if you want to plot more than six equations at once, graph inequalities and implicit equations, use 2D tracing and independent 2D zoom, and project the app with VGA, you'll need to pick up the $1.99 in-app upgrade. I must say, I am very impressed with how much is included for free and find the $2 purchase to be quite a steal.

The Good

• Rectangular an polar forms
• 2D and 3D graphing
• Dark and light themes
• Includes a very helpful user manual
• Advanced features are only $1.99
• Universal for iPhone and iPad

The Bad

• Does not support iPad Retina display
• VGA out only displays graph. No mirroring option.

The bottom line

Quick Graph is a fantastic graphing calculator for the iPhone and iPad. It runs super smooth and, as its name implies, is super quick. The biggest disappointment for me is that Quick Graph doesn't yet support the new iPad's Retina display, but I'm sure it's coming, so I still recommend that every math student and instructor pick this one up.

Free - Download Now

Each year Apple -- an many, many other tech companies -- manages to avoid billions in corporate taxes around the world and across the U.S. They do this by setting up offices and funneling money to tax-friendly places like Ireland and Reno, Nevada. Even though Apple's corporate headquarters is in Cupertino, California, having offices to collect profits and invest money in countries and state with little or no corporate tax, they legally hang on to vast amounts of profit each year.

The New York Times, in another one of their Apple headlined exposés, points out that Apple's office in Reno, Nevada, only consists of a handful of employees. Nevada's corporate tax rate is 0%. California's is 8.33%. You can see where the savings add up rather quickly. And this office is one of many that Apple has established across the globe in order to legally cut back on taxes owed.

A treasury economist, Martin A. Sullivan, estimated that if Apple wouldn't have used tactics such as these, their tax bill last year alone would have been around $2.4 billion higher. Apple paid around $3.3 billion in taxes on a reported $34.2 billion last year.

Apple has responded to the New York Times' assertions that Apple evades taxes:

Although it's not made obvious in the New York Times article, Apple isn't the only company that takes advantage of tax code in this way. Most tax code was written with tangible goods in mind and most tech companies also deal with digital goods and transactions. It's very easy for companies such as Apple, Google, Microsoft, and other tech giants to collect the profits from these sales in low or no tax states and countries. In comparison, a company like Walmart that makes most of their revenue by selling tangible items would have a harder time using some of the same. Walmart recently paid $5.9 billion in taxes on $24.4 billion in revenue.

Although tech companies are lobbying heavily against it, and seeking enormous tax breaks before they repatriate their income, it's probably only a matter of time before tax codes are revised to better reflect the way in which the digital economy nows operates and does business. Until then, Apple and other tech companies alike will probably continue to enjoy the benefits of outdated tax code.

Source: New York Times

OneReceipt is an iPhone app that gives you a very organized way of keeping track of and saving receipts. It will automatically grab emailed receipts (from, say, Amazon or iTunes) from your Gmail account and add them to your OneReciept account or you can take a photo of a physical receipt.

When you sign up for a free OneReceipt account, you get to store your receipts in the cloud and access them from the web on the OneReceipt app. This service is technically still in beta, but it's off to a great start. You will also be given an @onereceipt.com email address for you to forward receipts that were sent to a different email account than your Gmail. OneReceipt will then automatically add them to your collection of receipts. Unfortunately, Gmail is the only email service that can be synced with OnceReceipt.

The personal @onereceipt.com account is a great idea, but it still needs some work. I forwarded an iTunes receipt from my iCloud email to my personal OneReceipt account, but it's showing up in the receipt list as being "unparsed". This is strange, because the iTunes receipts that were already in my Gmail account when I performed the initial sync were parsed perfectly. So it seems that OneReceipt is just not correctly handling the quote syntax that is commonly associated with email forwards. I imagine this is something that OneReceipt can easily fix. Even though these receipts are unparsed, I can still view the forwarded email receipt with OneReceipt.

For in-person shopping, you can take a photo of your receipt and send it to OneReceipt and they'll process it for you. I tested this out with a two different receipts, but they are currently still processing. The strange thing is that even though I did this only a few hours ago, the date on my iPhone that is being shown is "yesterday", but on the web, it's "today". Just another little bug that needs to be worked out. (I'll update once the receipts finish processing).

If taking a photo of a receipt isn't an option, or you just don't like that option, you can also manually enter a receipt. The disadvantage to this method is that you are not able to add each item on your receipt. If all you care about is the total, then a manual entry works just fine, but sometimes you also need to save the prices of each individual item on the receipt. Those are the times that photos are the superior option.

After a receipt has been added to OneReceipt, you can categorize and tag it so that it's easily searchable. OneReceipt will also create spending summaries that you can view on the web that breaks down your monthly spending amounts by totals and category.

The Good

• Automatically retrieves receipts from your Gmail
• Receipts stored in the cloud and accessible from the web
• Personalized @onereceipt.com email address to forward receipts to
• Spending summaries
• Take photos of receipts and OneReceipt adds it automatically
• Manually add receipts

The Bad

• Only supports Gmail
• Not all forwarded receipts are recognized by OneReceipt
• Can't force a sync to look at past emails again

The bottom line

Even though OneReceipt has a few kinks to work out, I'm still impressed with it. The app and service is completely free, so it's not like you've got anything to lose. Keeping track of receipts is something I'm terrible at, yet need to do for many of my jobs, but I expect to be much more organized with them now that I have OneReceipt.

Free - Download Now

Khan Academy is well known in the education world as being a fantastic resource for students to watch videos to learn more about topics covered in class. It's also great for non-students who are just thirsty for knowledge and want to study a subject on their own time. And for free. The Khan Academy iPad app is the best way to put learning in your own hands.

Khan Academy covers a massive number of topics, including K-12 math, science topics such as biology, chemistry, and physics, and even the humanities with playlists on finance and history.

Each video can be streamed to your iPad or downloaded for offline viewing. If you wish, you can even download all the videos in a topic at once so that you don't have to click each one individually.

Most, but not all, videos include subtitles with each video. This is extremely helpful for those times that you can't understand what the instructor was saying, or if you don't know how to spell some term that the instructor said but didn't write down. These subtitles are shown underneath the video and can be scrolled through.

If you log into Khan Academy, you can keep track of your progress and earn achievements for watching videos and completing topics.

As of now, there are not any practice exercises available in the Khan Academy app, but they promise to bring them soon.

I've always been a fan of Khan Academy and recommend it to all my students as a fabulous resource. The instructors are very qualified for the subjects they are teaching and do a great job at explaining and making the topics interesting to learn about.

The Good

• Over 2700 videos
• Covers a lot of topics
• Most videos include subtitles
• Share to Facebook and Twitter
• Free

The Bad

• Not all videos include subtitles
• Exercises are not yet available

The bottom line

Khan Academy is a fantastic app for any one who wants to learn. It doesn't matter if you're a small child, college student, or a seasoned adult who hasn't been in a classroom in 30 years, Khan Academy is for everyone. And best of all -- it's free!

Free - Download Now

The Calculator app is one of those iPhone apps that didn't make it's way onto the iPad. It's a shame, because a lot of people, including students, travelers, and home book keepers would get a lot of use out of it. The most popular type of calculator is a scientific calculator -- it can do more than the basic operations (adding, subtracting, multiplying, and dividing), but isn't as different in approach as an RPN (reverse Polish notation) or as advanced as a graphing calculator or CAS (computer algebra system). So which iPad app is the best scientific calculator? Calcbot by Tapbots.

One of the great features of Calcbot is that it has large buttons, making it very easy to make entries. In portrait mode, the calculator takes up the whole screen. Along the top is the output screen of the calculator. Under that, you'll find the positive/negative, parentheses, and EE buttons. These are the elements that remain static.

The area of the calculator that contains all the numbers and operations is scrollable. Swiping to the left will reveal all the scientific functions. The up-arrow button on the scientific page will replace the trigonometic functions with their inverses, and the logarithm and exponential functions that are base e change to base 2. Visually, these are all the buttons that are light blue in color.

As you press buttons on the calculator, their symbols will appear in small, light blue letters at the bottom of the calculator's screen. This is extremely helpful for keeping track of which button you've pressed last. The tracking will reset every time you press enter, when it then gets transferred to the tape.

To see the tape, rotate your iPad to landscape. The calculator will become slightly smaller and the tape will slide in from the right. The tape keeps track of all your calculations, including all the buttons that were pressed to get the results. Holding your finger down on an entry pops up a menu to either Use Result, Use Expression, Copy, Send as Email, or Delete. Using the result or expression will automatically add your choice into the calculator. You can also paste into the screen of the calculator or into another app.

The Good

• Large buttons
• Keeps track of buttons pressed
• Beautiful UI
• Landscape orientation reveals the tape
• Every button emits a subtle sound -- true to Tapbots style (can be disabled)
• Option to round for currency
• Universal for iPhone and iPad

The Bad

• Must sacrifice having all the buttons on one screen for the larger buttons

The bottom line

Calcbot by Tapbots has been my favorite calculator on both the iPhone and iPad for quite some time. It does what I need and does it well. Unfortunately for students, Calcbot likely will not be able to replace a physical calculator because most teachers will not allow the use of iPads during exams.

$1.99 - Download Now

Calcbot is a universal calculator application for iPad and iPhone. It is a basic scientific calculator but is designed well with big buttons and tape. For this review, we will be focusing on the iPad version.

In landscape, you will find the calculator on the left and tape on the right. The calculator has two pages of buttons which keeps them nice and big. Just swipe the calculator to the left to bring the next page of functions. The first page is primarily numbers and basic operators as well as power and root functions. The second page contains a more functions such at the specific powers of 2 and 3, square root, factorial, log, natural logarithm, exponential, and trigonometric functions. Tapping the shift key (up arrow) will change the trigonometric functions to their inverses. Calcbot lets you chose between radians and degrees as well. The second page does not include an equal sign. This is annoying because a calculation does not appear on the tape until the equal sign is tapped.

If you want to re-enter a calculation from the tape, just tap the desired calculation and a menu pops up to use result, use expression, copy, send in email, or delete. You can also swipe to delete any expression. To email or clear the entire tape, tap the wheel in the upper right hand corner. If you're not interested in seeing the tape, rotate to portrait mode to view only the calculator.

Calcbot is an excellent little calculator app that looks and works great. There is nothing fancy about it, but that's part of it's appeal. Calcbot is strait-forward and to the point which makes it easy and intuitive to use. Simply put, Calcbot is another visually appealing and terrifically designed app by Tapbots.

Screenshots after the break!

[$0.99 - iTunes link]

Pros

• Simple and effective calculator
• Email and access calculations from tape
• Swipe to access more functions. This keeps the calculator buttons nice and big.

Cons

• Must hit equal sign for calculation to appear on tape. It would be nice to have equal sign available on both screens.

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PCalc [$9.99 - iTunes link] is a great RPN Calculator for the iPhone but now developer James Thomson is curious as to what users would like to see in an iPad version. How curious? He's made a cardboard version to play around with (above) and is offering TiPb readers ten (10) free copies of PCalc to tell him what you think!

So, head on over to the TiPb Forums and let him know just exactly which features you'd like to see on that big 9.7" iPad screen. His favorite ten (10) answers will get a copy of PCalc for iPhone for FREE.

Give-away starts now and ends Monday at 12pm, PT. Promo codes require a US App Store account (Apple's rule, not ours).

(iXpenseit Forum Review by cjvitek. For more Forum Reviews, see the TiPb iPhone App Store Forum Review Index!)

iXpenseit [$4.99 - iTunes link] for iPhone and iPod touch is a budget tracking app that has recently appeared on the iPhone commercials. It allows a user to track monthly and daily spending, breaking items down into categories, as well as allowing the user to see overall spending.

You start the app by entering various budget amounts for different categories. The default allows for a $1,000 monthly budget for all spending. You can also break down the budget into different categories: $200 for food, $50 for entertainment, $100 for auto, etc. This allows you to track overall spending as well as spending within each of the categories. (Interestingly, they have a specific budget for iTunes!!)

Once you have the budget set, you then simply start by inputting an entry everytime you spend some money. Went to the movies? Put it $10 for entertainment. Paid a $50 water bill? Put it in for utilities. Simply tap the "new" button on the main screen to input a new expense. Chose the category (like auto), subcategory (like gasoline), the amount, date, how it was paid (cash, debit card, etc), and the vendor. You can even include a little note for yourself.

As you spend money, you can track it with the "report" option. You can get a report on overall spending, or within a specific category. You can see reports as a bar graph, pie chart, a written summary. You can even export the data if you like! On the main home screen there is a "battery meter" showing your overall budget - you can see how much you have left, how much you have been spending per day, and so forth.

You have the option of searching for an item as well. Can't remember how much you last cable bill was? Search for it, and you can see if your bill has somehow drastically increased (gotta stop watching those pay-per-view UFC matches!!). Or you can just browse through the calendar for the date the payment was made.

Various settings allow for different levels of detail in the budget, using a passcode, editing the various categories and sub-categories, and even importing data from a CSV file (via a wifi connection from your computer). You even have icons for the different types of expenses, so you can look easily and identify the kind of expense.

Conclusion

All in all, iXpenseit is a full featured budget tracking program. In some ways, it is almost too full featured. It you simply want to track spending, this app may be overkill. But if you want a detailed breakdown of where you money goes each month, I think this is the app for you. At $4.99, (make sure to list it in the iTunes category!) the price is reasonable for the number of features that is included. Because of the breadth of features that are offered, I give this app four and a half out of five stars, but make sure to spend the time to learn how to use it to the fullest!

• Nice interface
• Easy way to track spending and budget

• None, except maybe too detailed.

TiPb Review Rating

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SplashMoney, from the folks over at SplashData, Inc., is now available in the iTunes App Store for $9.99 with a desktop version available for $19.99.

SplashData's products have been ever-popular on other platforms, such as Palm, Windows Mobile Pro and Smartphone editions, and BlackBerry. Now, they have taken the plunge and offered up some of their goodies for iPhone.

How does SplashMoney for the iPhone measure up? Read on for the full review!

Ever since I replaced the old paper planner with a shiny PDA, I have looked for ways to eliminate paper and consolidate all of my information into one electronic brain. One of my favorite apps over the years has been a little checkbook register app for my Palm -- it allowed me to leave my checkbook register at home and input my financial transactions as I spent my hard-earned cash. Now that I'm an iPhone user, I was immediately intrigued about SplashMoney and knew I had to give it a try.

SplashMoney isn't perfect - a few bugs need working out and I experienced some crashing while setting up accounts - but it is a very promising financial app for your iPhone with some powerful features. It offers a rather simple user interface but has quite a bit of power under the hood. It impresses me as the kind of app that you would expect to find on your desktop, but instead have the luxury of carrying around with you on your iPhone.

When first running SplashMoney on your iPhone, you are welcomed with a splash screen for the first 5 seconds. This can become an inordinate amount of time if you want to gain quick access to your accounts, and that's one thing I would suggest to SplashData -- either drastically shorten the splash screen time or provide an option to disable it after the first time.

Setting up your accounts is rather simple to do. With SplashMoney, you have the option of either managing your accounts manually or connecting and syncing the financial data and transactions from your bank or other financial institution (i.e., credit card company). The list of available banks is extensive and I was pleased to find my credit union on the list.

The top part of the Account screen has an "Edit" button for editing your accounts and a "Tools" button to adjust various settings, from setting a password and editing payees and categories to Syncing your data to the desktop app (sold separately) or running the Quick Start Guide. Along the bottom of the screen is a " + " for adding new accounts, a pie-chart icon for Reports, a piggy-bank icon for managing your Budget, and a "download" icon to download your financial data to your iPhone. Additionally, there is a running balance indicator that you can customize to reflect any and all of your accounts. Given my personal financial situation, it is far more morale-boosting to just include my checking account balance so the number stays in the "black" as opposed to a "red" number with a negative to the left.

It was during the account setup period that I ran into some bugs -- sometimes SplashMoney will reset, particularly when you are in the middle of downloading the financial data online from your accounts. Hopefully this is an issue that will be resolved in future updates. Even with the reset nuisances, the ability to sync up and download your current balances and transaction histories is a tremendously positive feature for me. I like to see what's happening in my accounts while I'm on the go, and SplashMoney does a good job of displaying that information for me.

SplashMoney is quite feature-rich yet simple to use at the same time. You can use it simply as a checkbook register, or take advantage of the many features it offers as a powerful finance and budget app. It supports several different types of accounts, including checking, savings, credit card, asset, liability, money market and line of credit. It supports categories, classes and splits, which can be very handy when you are ready to run reports to get a visual representation of your finances.

SplashMoney also supports multiple currencies and online real-time currency updates. Custom icon support and the ability to print registers and reports are also included features, as well as scheduled transactions and reminders. Some people may be hesitant to use the online account update feature, but fortunately there is secure password protection using Blowfish encryption.

Although it's an additional $19.99 for the desktop app, it's money well-spent and provides a powerful one-two punch for your SplashMoney finance and budgeting experience. Even though the iPhone app is easy to use, I quickly found the benefit of using the desktop app for managing my accounts and then syncing the data wirelessly to my iPhone. You can either sync via your WiFi connection or set up an ad hoc connection for even more security.

It's nice to have the backup and redundancy of my financial data on both my iPhone and desktop. I'm using the Mac version and syncing my data was painless. You can download a 30-day trial of the desktop app to see if it's right for you.

As I mentioned in the beginning, SplashMoney is a bit rough around the edges with respect to some bugs and occasional crashing, and I had a little difficulty syncing a couple of my more obscure online accounts. But in the final analysis, it's a great effort and will undoubtedly continue to be a top contender as Splashdata makes improvements. The iPhone version is priced right at $9.99 and the desktop app is also reasonable at $19.99.

I would be far more pleased if I had more money to manage and see more balances in the "black", but that's not SplashMoney's fault. In fact, I look forward to delving deeper into the features and utilize budgets and reports to manage my money better and watch with satisfaction as more of those "red" balances turn to "black." 

SplashMoney offers a nice user interface on the iPhone and desktop app alike, and the ability to sync online with your accounts is a really nice touch. The app is simple to use but offers up very powerful features that can please the novice and power-user alike. I look forward to seeing future updates and see just how polished SplashMoney can become.

Pros

• Simple, clean interface
• Online account syncing
• Supports categories, reports and budgets
• Desktop app available

Cons

• Sometimes crashes during accounts setup
• Does not online sync to all accounts

Rating: 4 / 5