Trending March 2024 # Comment: Drawing Attention To Security Is The Greatest Apple Card Benefit # Suggested April 2024 # Top 9 Popular

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Whether the Apple Card benefits justify the hype has been a hotly-debated topic ever since the card was launched. Never before has a mainstream credit card attracted so much media attention and generated so much discussion.

There are those who have been as excited about receiving the card as you’d expect them to be about a new iPhone or Mac. And there are others saying the Apple Card really is nothing special…

The expert view appears to be ‘it depends.’

For example, if you do a lot of travel, and put a lot of your spend through a card, The Points Guy reckons that the Amex Platinum card is the best total value, despite a hefty annual fee of $550.

A ton of factors contribute to this card’s overall value; it’s not just the 60k bonus that lands it near the top of this list. But even apart from the $200 annual airline fee credit, the $200 in Uber credits awarded each year, the recently added $100 Saks Fifth Avenue credit and the various lounge access options, the Amex Platinum is a stellar premium card that can pave the way to some amazing award flights and other redemptions. Among the Membership Rewards program’s 20 travel partners is Singapore Airlines KrisFlyer, which is your only option if you want to book the ultra-premium Singapore Suites using miles. Other highlights include an amazing 5 points per dollar on airfare (equal to a 10% return on these purchases), complimentary Hilton Honors Gold and the ability to add three authorized users for a total of $175.

At the other end of the scale, if you carry a balance on your card, you will always be better off forgetting the benefits and targeting a no-frills card with the lowest possible APR.

The general consensus among financial types is that the Apple Card benefits are decent for a fee-free card but unexceptional — and you may well do better elsewhere.

But to my mind there is one Apple Card benefit that trumps all others: the hype behind the card means that more people than ever are now aware of the security benefits of Apple Pay.

The Apple Card itself offers only one security benefit over other cards: there is no visible number or other data on the physical card.

For both security and cash-back reasons, however, you are better off using Apple Pay whenever possible. And it’s Apple’s promotion of this which is taking the message to non-techies.

When you first get your Apple Card, a unique device number is created on your iPhone. Then it’s locked away in the Secure Element.

Every purchase requires your device number along with a one‑time, dynamic security code that iPhone generates when you authorize the purchase.

Exactly the same thing is true of any card used with Apple Pay — there’s nothing special here about the virtual version of the Apple Card — but because people are paying attention to the hype surrounding the card, many are becoming aware of this benefit for the first time. And that’s a real win at a time when card data breaches are commonplace. (The latest one, affecting 5.3M cards, came to light just this week.)

So whether or not people get an Apple Card, many are, for the first time, becoming aware of the biggest reason to use Apple Pay. And that’s not convenience — good though that is for Apple Watch owners — it’s security. Never handing over your card details to a merchant.

That so many people are learning about this for the first time is, to me, the real benefit of the Apple Card.

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Faculty, Staff Asked To Comment On Proposed Benefit Changes

Faculty, Staff Asked to Comment on Proposed Benefit Changes University strives to equalize benefits, control cost increases

“Faculty and staff will have the opportunity to attend meetings and town halls and provide feedback online,” says task force member Diane Tucker, BU’s chief human resources officer. Tucker says the recommendations “will impact faculty and staff differently, depending on their own circumstances.” Because those circumstances—including family size, health, and career level—differ, she says, “our goal is to communicate in a way that helps all faculty and staff understand the proposed changes. We look forward to the dialogue over the next few months.”

Tucker says many colleges and universities are conducting similar benefits reviews, prompted by several factors, including the so-called Cadillac tax that the federal health reform law will impose on pricier health plans. The task force estimates that BU’s current health plan would incur taxes of about $2.8 million in 2023, when the tax begins, and a total of $31.6 million during the six years after that.

The cost of benefits has risen faster than the cost of salaries. During the 10 years ending in 2014, the benefit cost per BU full-time-equivalent employee jumped 52 percent, from $16,583 to $25,084, rising at more than twice the inflation rate. In fiscal year 2014, BU paid $223.5 million for employee benefits.

At a time when universities are being asked to control the cost of higher education, moderating increases in benefits costs is essential to that goal, the task force report said.

Another impetus for the benefits review, Tucker adds, is a federal nondiscrimination requirement that retirement contributions by and for lower-paid employees are proportional to those by and for highly compensated employees.

Currently, the University offers three health plans: an HMO, a PPO, and a plan with a high deductible and a health savings account. The task force recommends replacing the HMO and PPO plans with a new PPO that would cut annual premiums and encourage lower-cost health care, while still offering beneficiaries a wide array of doctors and hospitals. The University’s share of employee premiums would be the same as it contributes to the current HMO and more than it contributes to the current PPO.

To get the PPO’s premiums low enough to avoid the Cadillac tax, the new plan, while still covering the same services as are now covered, would require employees to pay deductibles and coinsurance (a percentage of a medical service’s cost on top of the deductibles) at the point of service, Tucker says. For employees making less than $100,000 a year, the University will mitigate the deductible by contributing to eligible employees’ Flexible Spending Accounts.

Regarding retirement, BU currently offers two plans—a defined contribution plan funded by University and employee contributions, and a supplemental plan funded by employees. The task force recommends changes that would increase employee savings, adjust the University contribution to be more equitable between age and salary ranges, and eliminate current refunds of University contributions to some employees (which are taxable) due to the federal discrimination concern.

The recommendations also retain and/or modify the University’s tuition assistance and long-term disability benefits for employees and dependents.

The task force spent “many hours examining complex benefit designs and considering the employee impact of various options,” says Robert Meenan (MED’72, GSM’89), chairman of the task force. He is a special assistant to Brown and the former dean of the School of Public Health.

“The faculty, staff, and administrators on the task force brought a range of perspectives to the effort,” he says, making it all the more gratifying that “we were able to achieve a strong consensus on all of the recommendations.”

“Our goal,” says Brown, “is to ensure that Boston University continues to offer an attractive set of benefits, when measured against our peer institutions, so that we can continue to recruit and retain world-class faculty and staff. We also must take into account the changing regulatory landscape so that our programs make optimal use of University resources.”

The other task force members are Stephen Brady, a School of Medicine associate professor of psychiatry; Amy Bronson, Development and Alumni Relations director of recruitment and training; Peter Fiedler (COM’77), vice president for administrative services; Fred Foulkes, a School of Management professor of organizational behavior; Nimet Gundogan, Human Resources executive director of benefits; Derek Howe, vice president for budget and capital planning; Maria O’Brien Hylton, a School of Law professor of law; Natalie McKnight, dean of the College of General Studies; Patricia O’Brien, assistant provost for graduate enrollment management; and Julie Sandell, associate provost for faculty affairs and a MED professor of anatomy and neurobiology.

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With The Iphone 14, Apple Is Drawing A Line Between Experts And Normies

Apple

On Wednesday, Apple launched the iPhone 14 series. As with the past three years, the lineup is split, with two semi-affordable entries and two more expensive flagships. In this case, we have the iPhone 14 and iPhone 14 Plus on one end and the iPhone 14 Pro and iPhone 14 Pro Max on the other.

What’s different this time, though, is the disparity between these two sets. This year, more than any other, Apple is working to appeal to two distinct types of iPhone buyers: the experts and the normies.

For the iPhone 11, 12, and 13 series, there was a lot of overlap between the regular phones and the Pro ones. For example, a person who uses their iPhone for CPU-intensive tasks would prize processing power, but they might not care about cameras. This hypothetical buyer could happily grab the iPhone 13 for just $799. They’d get the same CPU and general features as the iPhone 13 Pro but for $200 less.

iPhone 14 vs iPhone 14 Pro Max: Two different phones

Apple

Samsung has multiple smartphone lines, each with its own identity. The Galaxy S line is the best of the best for the general consumer, while the Galaxy A line appeals to multiple levels of budget shoppers. Meanwhile, the foldable Galaxy Z line goes after the tech enthusiast who wants to be on the cutting edge. This creates multiple categories of phones, each with its own strict appeal to a certain demographic.

Apple only sort of does this. It has the iPhone SE, which strictly goes after a budget consumer. Other than that, though, every other consumer needs to get lumped into the main iPhone line. That sounds more simple than Samsung’s strategy, but it also is more limiting. With so much historical overlap between the four iPhones in the main series, Apple could only do so much to cater each phone to the many different types of buyers.

iPhone buyers must now put themselves into one of two distinct camps: ambivalent normies or passionate experts.

With the iPhone 14 series, Apple is dismantling those limitations. Now, the iPhone 14 and iPhone 14 Plus can exist as phones for the average consumer who upgrades every few years. The Pro models, meanwhile, can specifically appeal to the power user who upgrades more frequently — even yearly. Apple can curate and market these devices for these two distinct sets of buyers.

This creates a very interesting situation. If you hold an iPhone 14 in one hand and an iPhone 14 Pro in the other, you’ll be looking at completely different devices for wildly different people. The Pro model will have a better screen by leaps and bounds, a cutout instead of a notch, a better camera system with an additional lens, and far more premium build materials. Inside, it will have a more powerful chip and better memory management that allow for much-desired usability improvements, including an always-on display.

The iPhone 14 and 14 Pro are completely different phones.

Meanwhile, in your other hand, you’ll have a phone that offers none of those things. You’ll be holding, in a sense, two completely different phones — and each one will land at very different price points.

Power users had better be ready to spend

Apple

Let’s go back to the hypothetical buyer who wants all the processing power but doesn’t care about cameras. Previously, they would have been able to buy an iPhone for under $800 and get what they wanted. Now, however, they will need to spend at least $1,000 to get the A16 Bionic, since the iPhone 14 and 14 Plus come with last year’s A15 Bionic.

iPhone 14 series: Ramifications for the whole industry

Robert Triggs / Android Authority

Many of our readers are Android die-hards. They might be thinking to themselves, “This has nothing to do with me.” Ah, but how wrong you are.

History has proven time and time again that the Android industry follows Apple’s lead. Remember when Apple removed the headphone jack? How about when it removed the in-box charger? Android OEMs scoffed at first but now are right on board.

History has proven time and time again that the Android industry follows Apple’s lead.

Apple’s moves this year could result in wildly different separations within Android ecosystems. Take the Pixel line. What are the big differences between the Pixel 6 and the Pixel 6 Pro? The Pro has a slightly larger, slightly faster display and an extra camera lens on the back. That’s…pretty much it.

What we could see in the future is a larger separation between pro and non-pro models. This, of course, will mean fewer new features for the non-pro sector. Hypothetically, one could imagine a Pixel 8 that doesn’t offer too many upgrades over the Pixel 7, while the Pixel 8 Pro could offer a ton of terrific new features for much more money.

The iPhone 14 series will act as a litmus test for the rest of the industry.

The iPhone 14 series, in a way, will act as a litmus test for the rest of the industry. Will buyers flock to the iPhone 14 and 14 Plus even though they are barely an upgrade over the iPhone 13? Or will they scoff at “upgrading” to a phone that doesn’t even have a new processor? Will they then relent and spend $1,000 to get the new features they really want, or will they just not bother at all? Time will tell. We should all be paying attention, though, because how this goes will be how the industry goes as a whole.

Continued reading: Now’s the right time to buy an iPhone 13

Bing Catches The Attention Of Google’s Sergey Brin

Well, it looks like Microsoft’s tremendous marketing effort is paying well for its new decision engine – Bing.  The New York Post is reporting that even Google’s Sergey Brin has started to take interest into Bing that he orders his people to look into how different Bing’s search algorithm is with Google.Citing NY Post:

But co-founder Sergey Brin is so rattled by the launch of Microsoft’s rival search engine that he has assembled a team of top engineers to work on urgent upgrades to his Web service, The Post has learned.

Quoting reliable sources the NY Post article also reported that Mr. Brin is even involving himself on the investigation, a rare instance which doesn’t happen everyday at Google camp. The source said that Bing has deeply caught Mr. Brin’s attention.

Certainly, Mr. Brin’s reaction to Bing was not due to the report that Bing has managed to take Yahoo’s position as the number 2 search engine recently, since we all know that another report cited that Bing attracted users who were just trying out the new decision engine.

“We always have a team working on improving search.” He added: “We dedicate more time and energy to search than anything else in our company. Our algorithm is constantly evolving.”

And this continously evolving algorithm is certainly making Google users to stick with their favorite search engine.  This would give Bing a hard time to inch closer to Google.

In the said New York Post article, Scott Kessler, a senior equity research analyst at Standard & Poor’s was quoted as saying:

“In a recent survey we found that the predominant features that dictate how people search the Internet are ease of use and force of habit. Google has been so dominant for so long that it will be tough for anyone to take significant market share away from them.”

Comment: No, Apple Isn’t Trying To Thwart Law Enforcement With Ios 12 Usb Restrictions

One of the changes Apple has made in iOS 12 is much tighter protection against devices designed to brute-force iPhone passcodes. Unless the device has been unlocked within the past hour, the USB port will be restricted to charging, requiring the phone to be unlocked before it will permit data access.

From much of the reporting on this, you could easily get the impression that Apple’s aim here is to thwart law enforcement investigations – and that simply isn’t the case …

Let’s look at a few examples of the coverage this is getting …

The New York Times: Apple to Close iPhone Security Hole That Police Use to Crack Devices

Apple is closing the technological loophole that let authorities hack into iPhones, angering police and other officials and reigniting a debate over whether the government has a right to get into the personal devices that are at the center of modern life.

Apple said on Wednesday it will change its iPhone settings to undercut the most popular means for law enforcement to break into the devices.

The Verge: Apple will update iOS to block police hacking tool

For months, police across the country have been using a device called a GrayKey to unlock dormant iPhones, using an undisclosed technique to sidestep Apple’s default disk encryption. The devices are currently in use in at least five states and five federal agencies, seen as a breakthrough in collecting evidence from encrypted devices.

But according to a new Reuters report, Apple is planning to release a new feature to iOS that would make those devices useless in the majority of cases, potentially sparking a return to the encryption standoff between law enforcement and device manufacturers.

Mashable: Apple’s officially making it harder for cops to bust into your iPhone

Apple intends to update its iOS with a new feature that will make it significantly more difficult for law enforcement agencies to access data on locked iPhones.

I could go on (and on), but you’ve probably seen other headlines yourself.

To be fair, many pieces that start in this vein do go on to point out that tools like GrayKey are used by criminals as well as law enforcement. But the overwhelming impression given is that Apple is out to make life hard for law enforcement.

The reality is that Apple is dealing with one simple fact known to every security professional but seemingly not to the law enforcement agencies that are complaining about the move: you cannot have a security hole that is used only by the good guys. Anything law enforcement can use with good intentions, criminals can use with bad intentions.

You could argue that Apple could have a special law enforcement mode, but again: any backdoor into iOS intended for use by the good guys will inevitably fall into the wrong hands.

Some persist, suggesting Apple could have this mode require a special device available only in a locked strongroom at Apple Park, with law enforcement agencies having to go there (with a court order) to access it. But, as I’ve said before, this simply isn’t a realistic scenario.

It is an extremely short distance from there to arguing that there will be some very time-critical cases where the delay involved in knocking on Apple’s door is too damaging. The classic ‘time-bomber in custody’ scenario. That the FBI needs to hold the key to prevent delay. It still wouldn’t do so without a court order, so where’s the harm? It would simply be cutting out the middleman.

So soon, the FBI would hold the key. Then other law enforcement agencies. In time, that key would be held in every police precinct house. We would then be trusting more than a million people with access to that key to abide by the rules. Government agencies don’t always have the best of track-records in doing that.

And even if we assumed not one single bad apple among those million people, you’d also be trusting every courier not to lose one in transit – and if you do that, I want access to your courier companies!

But it’s worse than this. The very fact that a backdoor exists means that hackers know it can be done. Sooner or later, they are going to figure out how, and then they can create their own devices.

So no, this cannot be safely done. Apple has no desire to hinder the work of law enforcement agencies, but it’s not them the company is trying to thwart: it’s the bad actors who would use the same vulnerability for nefarious ends. That’s why Apple is doing this – not to make life harder for cops.

Check out 9to5Mac on YouTube for more Apple news:

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Download 001Micron Recovery – Sim Card For Sim Card Recovery

Our Review Pros Simple options for SIM data recovery Extract text messages, contacts, and other data Save recovered data as TXT or HTML reports Cons Outdated interface No fully-functional free version No recent updates

Before reading our 001Micron Recovery – SIM Card review, you should check out its system prerequisites, editions, setup operation, interface, features, and how-to-use steps below.

001Micron Recovery – SIM Card system requirements

The tool has low system specifications and works even on weaker PCs. Here’s what you need:

Processor: Pentium class or equivalent CPU

Memory: at least 256 Mb RAM

Hard disk space: around 10 Mb

OS: Windows 10, 8, 8.1, 7, Vista, XP, and even older (either 32-bit or 64-bit)

Other: administration rights

001Micron Recovery – SIM Card editions

The SIM card recovery tool isn’t free to use. However, you can evaluate all options and configuration settings for free. The only issue is that the demo partially hides information and shows only the first two records of the recovered data.

It’s not possible to save any recovered details. To lift these limitations and see the complete recovered data, you have to buy 001Micron Recovery – SIM Card. On the bright side, you have to make a one-time payment only since there are no subscription plans, so you don’t need to worry about monthly costs.

001Micron Recovery – SIM Card installation and interface

Setting up the software application on your PC doesn’t take long. You can review and accept the license terms, choose the destination folder, and create program shortcuts. 001Micron Recovery – SIM Card can be launched as soon as the setup is over.

As far as the graphical interface is concerned, the SIM card recovery tool is outdated. It has a style that makes it look like it belongs to older Windows versions. Nevertheless, the layout is neatly organized. You can easily perform a SIM card search and save recovery results by pressing a couple of buttons.

How to use 001Micron Recovery – SIM Card

To recover data from your SIM card with 001Micron Recovery – SIM Card, here’s what you need to do:

Insert the SIM card reader into your computer

Press Start Searching and choose between PC/SC and Phoenix technology standard

Wait until the application finishes scanning your SIM card

Check out the recovered information in the main window

Press Save Recovery, choose an output folder and select the report format between TXT and HTML

Open the report file to view the data restored from your SIM card

An easy-to-use SIM card recovery tool

In conclusion, 001Micron Recovery – SIM Card turns out to be a user-friendly Windows application that can help you recover text messages, contacts, and other info from your SIM card. It features an intuitive interface and options for all types of users, even those who have never operated such tools before.

Furthermore, the software application runs scans and restores data quickly, without putting a strain on the computer’s performance. It also includes a resourceful help manual that should clarify any issue you might encounter. Too bad that it hasn’t received any updates for a significant amount of time.

001Micron Recovery – SIM Card FAQ

Is 001Micron Recovery – SIM Card free?

No, 001Micron Recovery – SIM Card isn’t free to use. Although you can test most of its features for free, it’s not possible to save the recovered data in demo mode. Plus, the information is partially hidden in the interface.

Is 001Micron Recovery – SIM Card safe?

001Micron Recovery – SIM Card is a legitimate software application designed to find and extract SIM card details, including SMSs and contacts. It doesn’t contain malware, so it’s safe to download, install, and use on your Windows PC.

What’s the best SIM card data recovery software?

001Micron Recovery – SIM Card is one of the best SIM card data recovery software tools that you can find for Windows PCs. However, if you’re looking into alternative solutions, we suggest checking out Recoverit.

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