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

PHOENIX--(BUSINESS WIRE)--Dec 16, 2024-- University of Phoenix is proud to announce the launch of its Degrees of SuccessTM podcast which showcases the inspiring journeys of its extraordinary alumni. Hosted by Freda Richards, the podcast delves into the personal and professional lives of graduates who have overcome challenges and achieved remarkable success. With her genuine enthusiasm for human connection and transparency, Richards brings a unique and engaging perspective to each conversation. The University, which has more than one million alumni, aims to share these incredible stories with a wider audience through the captivating series. "What makes Degrees of SuccessTM truly special is the depth of personal experiences our alumni share,” stated Provost and Chief Academic Officer of University of Phoenix John Woods, Ph.D. “These stories go beyond professional achievements; they reveal the heart and determination behind each hard-won success. Listeners will find not only inspiration but also practical insights and advice that can be considered for their own journeys." Dr. Mautra Jones, featured in the inaugural episode, shared her story of overcoming challenges on her path to leadership as president of Oklahoma City Community College. Despite the obstacles she faced, she says she is grateful for the experiences that shaped her both personally and professionally. "It taught me to not take things for granted, but to appreciate things," she shares in the interview. "I have a victor, not a victim, mentality because I’ve been able to overcome so much. The things I’ve gone through have made me stronger. Now I’m able to take all the things I’ve gone through and hopefully inspire others when I say, if I can make it, you can make it." The podcast is launching with four episodes – with new episodes released every other week – each featuring a unique and compelling story: Episode 1: Overcoming Adversity to Lead - Dr. Mautra Jones In the first episode, Richards interviews Dr. Mautra Jones, a distinguished University of Phoenix alumna and the president of Oklahoma City Community College. Jones made history as the first woman and first person of color to lead the college. Her accolades include being named Oklahoma’s Most Admired CEO for public companies in 2023 by The Journal Record, receiving the 100 Women to Know Across North America Award, and being inducted into the Oklahoma African American Educators Hall of Fame in 2022. Jones's impactful and dynamic leadership has made her one of the nation’s most sought-after thought leaders. Episode 2: Mentorship and the Violet Movement - Dr. Scott Andrews Richards talks with Dr. Scott Andrews, the county manager for Doña Ana County in New Mexico. With 21 years of experience in public sector administration, Andrews has provided progressive vision and decisive leadership to local government organizations across Florida, Georgia, and California. A first-generation U.S.-born citizen and college graduate, Andrews honors the memory of his late daughter through The Violet Movement, a non-profit fostering love, kindness, and positive community change. Episode 3: Marine Corps to Corporate Leader - John Kirch In this episode, Richards interviews John Kirch, who has been living and working in Lima, Peru, for nearly 30 years. As the Corporate Health, Safety, and Security Manager for Grupo Gloria, Kirch oversees security operations for over 20 companies across seven countries. His career includes pivotal roles in aviation security post-9/11 and service as a United States Marine. Kirch holds two degrees from the University of Phoenix: a bachelor's in organizational security and an MBA. Episode 4: From Culinary School to Corporate Success - Gary Batara Richards talks with Gary Batara, a former French chef who transitioned into the marketing world. Growing up in a family of healthcare professionals, Batara pursued his passion for culinary arts, which led him to France. His career evolved from corporate food service to becoming the vice president of marketing at Garten. Batara is also an accomplished author of "Lessons to Inspire: Practical Advice from Successful People." Watch Degrees of SuccessTM on YouTube or listen on Spotify, Amazon Music, iHeart Radio, and Podbean. About University of Phoenix University of Phoenix innovates to help working adults enhance their careers and develop skills in a rapidly changing world. Flexible schedules, relevant courses, interactive learning, skills-mapped curriculum for our bachelor’s and master’s degree programs and a Career Services for Life® commitment help students more effectively pursue career and personal aspirations while balancing their busy lives. For more information, visit phoenix.edu/blog.html . View source version on businesswire.com : https://www.businesswire.com/news/home/20241216031813/en/ CONTACT: MEDIA CONTACT:Michele Mitchum University of Phoenix michele.mitchum@phoenix.edu KEYWORD: ARIZONA UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: EDUCATION ENTERTAINMENT TECHNOLOGY PODCAST CONTINUING INTERNET UNIVERSITY SOURCE: University of Phoenix Copyright Business Wire 2024. PUB: 12/16/2024 03:23 PM/DISC: 12/16/2024 03:23 PM http://www.businesswire.com/news/home/20241216031813/en

CAPE CANAVERAL, Fla. — NASA's two stuck astronauts just got their space mission extended again. That means they won't be back on Earth until spring — 10 months after rocketing into orbit on Boeing's Starliner capsule. NASA announced the latest delay in Butch Wilmore and Suni Williams' homecoming Tuesday. The two test pilots planned to be away just a week or so when they blasted off June 5 on Boeing's first astronaut flight to the International Space Station. Their mission grew from eight days to eight months after NASA decided to send the company's problem-plagued Starliner capsule back empty in September. FILE - This image made from a NASA live stream shows NASA astronauts Suni Williams and Butch Wilmore during a press conference from the International Space Station on Friday, Sept. 13, 2024. (NASA via AP, File) Now the pair won't return until the end of March or even April because of a delay in launching their replacements, according to NASA. A fresh crew needs to launch before Wilmore and Williams can return and the next mission was bumped more than a month, according to the space agency. NASA's next crew of four was supposed to launch in February, followed by Wilmore and Williams' return home by the end of that month alongside two other astronauts. But SpaceX needs more time to prepare the new capsule for liftoff. That launch is now scheduled for no earlier than late March. NASA said it considered using a different SpaceX capsule to fly up the replacement crew in order to keep the flights on schedule. However, it decided the best option was to wait for the new capsule to transport the next crew. NASA prefers to have overlapping crews at the space station for a smoother transition, according to officials. Most space station missions last six months, with a few reaching a full year. A SpaceX Falcon 9 rocket, with a crew of two astronauts, lifts off from launch pad 40 at the Cape Canaveral Space Force Station in Cape Canaveral, Fla., Saturday, Sept. 28, 2024. (AP Photo/Chris O'Meara) A SpaceX Falcon 9 rocket, with a crew of two astronauts, lifts off from launch pad 40 at the Cape Canaveral Space Force Station Saturday, Sept. 28, 2024, in Cape Canaveral, Fla. (AP Photo/Chris O'Meara) NASA astronaut Nick Hague, left, and Roscosmos cosmonaut Aleksandr Gorbunov, left, gives a thumbs up as they leave the Operations and Checkout Building on their way to Launch Complex 40 for a mission to the International Space Station Saturday, Sept. 28, 2024 at Cape Canaveral, Fla., (AP Photo/John Raoux) NASA astronaut Nick Hague, right, and Roscosmos cosmonaut Aleksandr Gorbunov leave the Operations and Checkout building for a trip to the launch pad 40 Saturday, Sept. 28, 2024, at the Kennedy Space Center in Cape Canaveral, Fla. (AP Photo/Chris O'Meara) NASA astronaut Nick Hague, right, talks to his family members as Roscosmos cosmonaut Aleksandr Gorbunov looks on after leaving the Operations and Checkout building for a trip to the launch pad 40 Saturday, Sept. 28, 2024, at the Kennedy Space Center in Cape Canaveral, Fla. Two astronauts are beginning a mission to the International Space Station. (AP Photo/Chris O'Meara) In this image from video provided by NASA, Roscosmos cosmonaut Aleksandr Gorbunov, left, and astronaut Nick Hague travel inside a SpaceX capsule en route to the International Space Station after launching from the Kennedy Space Center in Cape Canaveral, Fla., Saturday, Sept. 28, 2024. (NASA via AP) A SpaceX Falcon 9 rocket, with a crew of two astronauts, lifts off from launch pad 40 at the Cape Canaveral Space Force Station Saturday, Sept. 28, 2024, in Cape Canaveral, Fla. (AP Photo/Chris O'Meara) A SpaceX Falcon 9 rocket, with a crew of two astronauts, lifts off from launch pad 40 at the Cape Canaveral Space Force Station in Cape Canaveral, Fla., Saturday, Sept. 28, 2024. (AP Photo/Chris O'Meara) A SpaceX Falcon 9 rocket with a crew of two lifts off from launch pad 40 at the Cape Canaveral Space Force Station Saturday, Sept. 28, 2024 at Cape Canaveral, Fla. (AP Photo/John Raoux) The Falcon 9's first stage booster returns to Landing Zone 1 at the Cape Canaveral Space Force Station Saturday, Sept. 28, 2024 at Cape Canaveral, Fla. (AP Photo/John Raoux) A SpaceX Falcon 9 rocket with a crew of two lifts off from launch pad 40 at the Cape Canaveral Space Force Station Saturday, Sept. 28, 2024 at Cape Canaveral, Fla. (AP Photo/John Raoux) Be the first to know Get local news delivered to your inbox!

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After a year of incredible content with the Crownfall saga that has been one of the best Dota 2 events ever, the new Frostivus event feels somewhat underwhelming and is making my games more annoying than before the update. The Frostivus event arrived in Dota 2 a few days ago, bringing with it a very welcome ban wave for smurfs and MMR abusers. It also brought some of the usual holiday festivities, including new cosmetic sets, a sale and the holiday items you can use in game such as snowballs and fireworks. It’s that last part, combined with a new system where you can craft some cool cosmetics for free, is what is making Dota a little annoying for me right now. With the year coming to a close, I finally have some time to grind Dota and recover the 600+ MMR I’ve lost over the last four months where my play time has been limited. However, it seems that a lot of teammates are more focused on earning the resources needed to craft these cosmetic items than helping me get my MMR back. On paper, the system seems like a good idea. Perform some basic actions in game to earn the resources needed to get free cosmetics. However, some of the actions that grant these crafting resources are not part of the typical gameplay loop of Dota . For example, using a new channelled ability steals a festive hat from an enemy that gives you resources, throwing a penguin on the ground and chasing it gives you resources, and throwing a snowball at an enemy before you kill them gives you resources. This has meant that in most of the games I’ve played in the last couple of days, before the horn sounds, my team is just chasing penguins. As someone who loves to run at the enemy and get first blood, this has led to a lot of broken fights with a player or two missing as they are chasing penguins. Then, as the game progresses, I’ve seen players more interested in getting a hat or throwing a snowball than securing a kill. I’m sure at the top levels players are good enough to pull these things off without impacting the game, but at my level it seems to be having a negative impact on my festive Dota games. It’s a minor thing, but I don’t really see the need for these actions to give you anything that is useful. Keep these abilities in as cosmetic things only, and have the crafting resources be given out by in game actions like healing, damage, kills and assists, which do all give some. It feels harsh to complain about a free event that gives out some fairly cool cosmetics, especially after how good Crownfall has been , but when it impacts the core game it becomes somewhat annoying. Hopefully the Dota 2 team continues with the Crownfall style events that don’t impact the main game directly, and leave these kind of events in the past.