Apple Pay Later Ushers in a New Era Navigating the World of Digital Wallets: In the dynamic world of digital finance, Apple Pay Later could be a game-changer, offering an innovative solution for consumers seeking convenience and financial control. Apple Pay Later joins a crowded marketplace of “buy now, pay later” apps like Klarna, Sezzle, Affirm, and PayPal’s Pay in 4 program, all of which have varying payment schedules; some require a minimum and maximum purchase amount and other restrictions. THE CONVENIENCE OF DEFERRED PAYMENTS At its core, Apple Pay Later provides a simple yet powerful feature: the ability to split purchases into four equal payments over six weeks with zero fees or interest. This approach aligns with the needs of modern consumers who need budget- friendly solutions to maximize their resources. Whether shopping online or in-app, Apple Pay Later integrates seamlessly and works for purchases between $50– $1,000 (using a debit card connected to Apple Wallet, not a credit card) on iPhones and iPads. Because you don’t need additional apps or passwords at checkout, it’s
straightforward to use. Even better? Engaging the app initiates only a “soft check” on your credit, so it doesn’t impact your credit score. SMART BUDGET MANAGEMENT Beyond its convenience, Apple Pay Later is designed to promote responsible spending. Before committing to a purchase, users can view their upcoming payments, providing a transparent snapshot of their financial commitments. This feature, coupled with options for manual or automatic payments, enhances a user’s ability to decide how the purchase could affect their budget. Also, timely alerts and reminders for payments due ensure users stay on track and avoid financial surprises. At this time, Apple Pay Later has no plan to charge fees for late payments. PRIVACY, SECURITY, AND A TOP BANKING PARTNER In today’s digital age, privacy and security are paramount. Apple Pay Later is crafted with these concerns in mind, ensuring user data remains protected. Goldman Sachs is the official loan issuer. Apple Pay Later could be a beacon of financial flexibility and user empowerment. It’s more than just a payment method; it’s a smart spending tool that aligns with the contemporary consumer’s lifestyle. Apple Pay Later is paving the way for a more informed, secure, and flexible approach to personal finance, making it an indispensable tool in the consumer tech arsenal.
The 3 Best Books for Children About Divorce
Divorce can be hard on children. Many kids won’t understand why they have two holidays or how custody works. Some even blame themselves for their parents’ divorce, and parents can find it challenging to explain the ending of their marriage. Books are great for getting the message across to kids, as they speak in a more understandable language. There are many excellent books on the subject, but these three are particularly effective. ‘WHEN MY PARENTS FORGOT HOW TO BE FRIENDS’ This book by Jennifer Moore-Mallinos is for young children between 4 and 7 years old. Besides its charming and engaging illustrations, it tells the story of a girl learning about her parents’ divorce. While she initially believes that she’s responsible, she eventually understands that it’s for
conveys that what they’re feeling is okay and that working through
those emotions is important. In the book, the titular bag of worries
follows Jenny, a girl struggling to cope with anxiety. It grows larger and larger as she frets about all the stressful parts of her life. Ultimately, her grandmother offers to help Jenny open the bag of worries and get rid of them. BOOKS SPEAK A KID’S LANGUAGE. These books convey a message about divorce while providing essential coping skills during a difficult time. Nightly bedside readings allow children to ask questions and learn about their new family life, encouraging a healthy transition. No matter the specifics of the divorce, it’s crucial to speak a language children understand, and books can do just that.
the best and — most importantly — that they love her. ‘WHAT CAN I DO?: A BOOK FOR CHILDREN OF DIVORCE’
For older children up to 12, “What Can I Do?” by Danielle Lowry tells the story of a girl coping with her parents’ divorce, particularly how to handle her emotions. Throughout the book, she learns various coping strategies to feel better. ‘THE HUGE BAG OF WORRIES’ Some kids (and adults) might not want to discuss divorce. “The Huge Bag of Worries” by Virginia Ironsides, for children age 2 and older,
2 — rbbfirm.com
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