Archive for October 13, 2022

Thursday, October 13, 2022

Apple Card Savings Account

Apple (MacRumors):

In the coming months, Apple Card users will be able to open the new high-yield Savings account and have their Daily Cash automatically deposited into it — with no fees, no minimum deposits, and no minimum balance requirements.


To expand Savings even further, users can also deposit additional funds into their Savings account through a linked bank account, or from their Apple Cash balance. Users can also withdraw funds at any time by transferring them to a linked bank account or to their Apple Cash card, with no fees.

This is kind of a strange announcement:

Why announce this now when they don’t even know which month it will be available?

Why are they touting the main benefit as being able to earn 2–3% interest on the 2–3% rewards from Apple Card?

Is this a real Goldman Sachs bank account, e.g. that you could write checks from or set up for ACH, or does it only work with the Wallet app?

If you don’t sign up for the featured account, it sounds like you still have to manually transfer Apple Cash to your bank, which is a pain. Unless you do so regularly, so that Apple Cash stays empty, it’s harder to reconcile payments that you receive. When you initiate a withdrawal, it will auto-fill the sum of the payment and whatever Daily Cash you had accumulated. Transferring that means that the amount received on your bank statement won’t match the amount of the payment. To transfer the proper amount, you have to remember and retype the amount of the payment—because you can’t see both on screen at once, and neither the transaction screen nor the transfer screen supports copy/paste.

Update (2022-10-27): Juli Clover:

With no sign of the feature in iOS 16.1, it will now be coming at a later date.

Update (2022-12-29): Avi Drissman:

If you have an Apple Card but not Apple Cash, the ability to apply your Daily Cash to your balance was deliberately removed from the Wallet app, and you have to do it on the website or contact support. Super sketchy way for Apple to increase Apple Cash float revenue.

Update (2023-01-27): Avi Drissman:

Upgraded to iOS 16.3, and the Wallet app’s Apple Card section is updated, and applying Daily Cash to your Apple Card via the Wallet app is back.

I’m getting whiplash having my financial instruments behave like software, losing and gaining features.

Microsoft 365

Tom Warren (tweet):

After more than 30 years, Microsoft Office is being renamed “Microsoft 365” to mark the software giant’s collection of growing productivity apps. While Office apps like Excel, Outlook, Word, and PowerPoint aren’t going away, Microsoft will now mostly refer to these apps as part of Microsoft 365 instead of Microsoft Office.

Tim Hardwick:

For Apple device owners, the name change will likely be seen first in the Office iOS app. The Microsoft 365 mobile app replacing it will include a new apps module for commonly used cloud-based 365 tools, a central content hub and workflow feed, and a new tagging system for organizing content.

Perhaps somewhat confusingly however, Office 2021 for Windows and Mac will continue to be offered as a one-time purchase under the same name for the foreseeable future, as will Office LTSC (Long-Term Servicing Channel), even though Microsoft Office is now essentially a legacy brand.

Update (2022-10-14): Nick Heer:

Some reporters, including Cunningham, are writing that Microsoft is dropping its longtime Office branding entirely, but I do not think that is the case. Reading between the lines, it sounds like Microsoft — and nobody else — thinks of the subscription-based versions of its Office applications as entirely separate from the concept of “Microsoft Office”. If you buy Office, you just get the desktop versions of Excel, Outlook, PowerPoint, and Word, just like the good old days. But if you subscribe to Microsoft 365, you get those plus all of the online collaborative stuff.

Update (2022-10-18): Ben Thompson (Hacker News):

Office being on its own gave Teams an easy go-to-market: Microsoft just bundled it in. Today, though, it is Teams and everything built on that scaffolding that is Microsoft’s new Windows. It is the company and its operating system, not its apps, that are back at the center. In this sense, renaming Office 365 to Microsoft 365 is the most natural thing in the world: Office was a ship that set sail from the declining civilization that was Windows, with an uncertain destination. Today, though, that ship is but a footnote in Microsoft’s new empire in the cloud.

Moreover, it seems likely this empire will be more durable than the old Microsoft republic: the entire reason why Windows faltered as a strategic linchpin is that it was tied to a device — the PC — that was disrupted by a paradigm shift in hardware. Microsoft 365, on the other hand, is attached to the customer.

Surface Pro 9

Andrew Cunningham:

Microsoft is introducing a pair of typical, iterative updates to its Surface Pro convertible tablet PCs today. One is a modest upgrade to the Surface Pro 8, with 12th-generation Intel processors that promise much-improved performance for things that benefit from lots of CPU cores. The other is a refresh of the Surface Pro X, with a new Microsoft SQ3 Arm processor provided by Qualcomm.


Microsoft has taken pains to make the CPU the only difference you can notice between these two computers. While the Surface Pro 8 took a lot of cues from the Surface Pro X design, the Surface Pro 9 models have fully converged, with the exact same dimensions and weight (just a shade under two pounds) and the same 13-inch, 120 Hz, 2880×1920 touchscreen. The two machines support the same Type Cover and Surface Pen accessories and have user-replaceable M.2 storage drives.


Surface Pro began as the first of its category – A tablet that can replace your laptop, offering touch, ink, a full-size precision touchpad, and a productive keyboard finely crafted and satisfying to touch. Over the years it’s been refined, tuned and perfected. In that same time, we’ve seen the category take off. Today, you don’t have to go far to see competing interpretations. We take great pride in our ability to inspire and push the industry forward. Still, there’s a reason why Surface Pro remains the 2-in-1 to beat, and it comes back to the original vision the team shared a decade ago that merged the benefits of a powerful laptop, versatile tablet and ink-ready studio.

10 years later, I don’t think Tim Cook’s toaster fridge comment has aged well. In the Windows world, you can get a single piece of hardware that works as a laptop and a tablet and runs full Windows apps. Maybe it just looks like the grass is greener, but from what I’ve heard people like them. In the Apple world, you have to buy two pieces of hardware, and you end up with iPadOS apps that are limited and have limited multitasking, and then Mac apps that increasingly feel like they are designed for and limited by what an iPad can do, anyway.


Update (2022-10-18): Matt Birchler:

I think iPadOS has a place, and I do still use it daily for more casual things, but I’m not convinced it’s going to achieve what I dreamed of it achieving for me for years.

The cherry on top is that I can’t remember the last time a new iPad app really impressed me with how it could improve my work. Meanwhile, tons of apps have hit the Mac (see my YouTube channel for an idea of what I’m excited about), and web apps are thriving…which is a shame for the iPad because web apps suck on it.


Four whole years ago I reviewed the Surface Pro and I really enjoyed the hardware, it just wasn’t running the operating system I preferred. I love the MacBook Pro, but I’d also love a Mac running on something like a Surface Pro in my life.

Steve Troughton-Smith:

Not once in 12 years have I wanted macOS on an iPad, but even I’m starting to want macOS on iPad after all this 🫤 They wouldn’t have to do much at all to provide an IPSW of macOS for M-series iPads that advanced users might flash if they want it — a pressure valve for iPadOS

Integrate SwiftUI Into a UIKit App

Natalia Panferova:

SwiftUI is a modern way to build a UI on Apple platforms. If you would like to start using SwiftUI but already have an existing UIKit app, you don’t have to rewrite it all. Learn to start gradually integrating SwiftUI into a UIKit app and take advantage of new features, such as Swift Charts, while still keeping the core of your app working as before. In this talk, you’ll learn different ways to integrate SwiftUI and how to set up the data flow between the UIKit and SwiftUI parts of an app.

Natalia Panferova:

This subchapter is provided as a free sample for Integrating SwiftUI into UIKit Apps book.