more help with Google Drive

[Lorie McCloud]

although I have chosen the Google Drive folder that the app created on my Mac 
to sync my drive to and I have selected the backup everything option it 
continues to say "zero connected folders". how do I fix this?

thanks.
Lorie

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SimpleHelp: How to Create a Custom Vibration Ringtone for an iPhone Contact, and 1 more

[M. Taylor]

SimpleHelp: "How to Create a Custom Vibration Ringtone for an iPhone
Contact" and 1 more 

How to Create a Custom Vibration Ringtone for an iPhone Contact 
Posted: 25 Apr 2019 04:15 AM PDT

This guide will take you step by step through the process of setting up a
custom vibration pattern to use for an iPhone contact - so you know exactly
who's calling or texting based on the vibration! 

1.
Select the contact for whom you want to create a custom vibration pattern. 
 
2.
Tap Edit from the upper-right corner of the screen. 
 
3.
Scroll down to the section titled Ringtone and select it. 
 
4.
Now scroll down to the section titled Vibration and select it. 
 
5.
>From here you can choose a pre-created vibration pattern (the Heartbeat one
is great) or create your own by selecting Create New Vibration. When you've
made your selection or created your own, tap the Ringtone link in the
upper-left corner to return to the previous screen. 
 
6.
Confirm that your newly selected vibration is now displayed and then tap
Done 
 
7.
If you want to create a custom vibration pattern for when this contact sends
you a text message, tap the Text Tone section and repeat the above steps. 
 
8.
If you ever want to change this setting just return to this contact in your
address book and locate the Ringtone and/or Text Tone sections. 
 
How to Add ALT Text to Your Instagram Photos 
Posted: 25 Apr 2019 04:15 AM PDT

This quick tip will show you how to add "ALT" text to your Instagram photos
(and explain why you want to do so). 

"Alt" text is written text that describes an image or photo. Using it on
your Instagram photos allows screen-reading utilities to describe the image
to visually impaired users, in addition to allowing search engines to better
crawl and rank your content. Instagram attempts to 'auto-generate' ALT text
for your posts and it's usually not very good. Writing your own ALT text
only takes a few moments and in all likelihood will increase your Instagram
visibility. 

To add ALT text to your Instagram posts, just follow these steps - 

1.
Compose your post as you always do, but this time tap the Advanced Settings
link towards the bottom of the screen. 
 
2.
Scroll down to the ACCESSIBILITY section and select Write Alt Text 
 
3.
In the space provided, write a description of the photo or image you're
about to post. Do not write a series of keywords, instead write a brief
'natural' description of the photo. Don't start the description with "this
is a photo of" or "this is an image of" - just jump right in and describe
it. When you're finished tap the Done button and continue to post your image
as always. 
 
4.
That's it! 


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Re: another question about Google Drive

['Tim Kilburn' via MacVisionaries]

Hi,

No problem.  I can understand where the confusion was.  All files?  Google does 
like to take over everything, but in this case, it's only the stuff in your 
Google Drive that should be synced.

Later...

Tim Kilburn
Apple Teacher
(with Swift Playgrounds Recognition)
Fort McMurray, AB Canada

On Apr 25, 2019, at 12:18, Lorie McCloud  wrote:

oh thanks! I didn't understand what that item meant "sync all files and 
folders". I was afraid it would sync everything in my computer to Google Drive. 
lol.

> On Apr 25, 2019, at 10:50 AM, 'Tim Kilburn' via MacVisionaries 
> mailto:macvisionaries@googlegroups.com>> 
> wrote:
> 
> Hi,
> 
> When everything is signed in, the syncing should just be automatic.  That is, 
> if you're syncing all files and folders, whatever is deleted on the Mac, will 
> automatically be deleted on in the Google Drive in the Cloud.  I have over 34 
> GB in my Google Drive and it works normally for me.
> 
> Using Google Drive on Safari is fine.  Chrome is often slightly easier within 
> some of the Docs or Sheets app services, but basic Drive features is 
> perfectly fine in Safari.  Use the tab key and arrows for best results.  
> Also, use the return key to activate many items instead of VO-space.  There 
> are some menu items that work better in Chrome, but most regular navigation 
> is fine in Safari.
> 
> HTH.
> 
> Later...
> 
> Tim Kilburn
> Apple Teacher
> (with Swift Playgrounds Recognition)
> Fort McMurray, AB Canada
> 
> On Apr 24, 2019, at 21:59, Lorie McCloud  > wrote:
> 
> I see that in my Google drive on the web files weren't being deleted when I 
> deleted them from my drive on my Mac. is there a way to set it so that I can 
> control it from my computer? 15 gig is plenty for me if I can clear stuff out 
> of there once in awhile.
> 
> also, I have a lot of trouble actually seeing my files up there. 
> accessibility says it's better to use Chrome than Safari. Safari is what I'm 
> using. does anybody know how to look around up there with Safari?
> 
> Thanks.
> Lorie
> 
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Fwd: Us congress hearing of maan alsaan Money laundry قضية الكونغجرس لغسيل الأموال للمليادير معن الصانع

[Hani Omar]

YouTube videos of



 U.S. Congress money laundering hearing


of

Saudi Billionaire  " Maan  Al sanea"

 with *bank of America*


and  The  owner of Saad Hospital and  Schools

 in the Eastern Province in *Saudi Arabia*



and the Chairman of the Board of Directors of Awal Bank  in *Bahrain*


With Arabic Subtitles





*موقع اليوتيوب الذي عرض جلسة استماع الكونجرس الأمريكي *

* لمتابعة نشاطات غسل الأموال ونشاطات*



*السعودي معن عبدالواحد الصانع*



*مالك مستشفى  وشركة سعد  ومدارس سعد بالمنطقة الشرقية بالسعودية   ورئيس مجلس
ادارة بنك اوال البحريني*



*مترجم باللغة العربية*



http://www.youtube.com/watch?v=mIBNnQvhU8s

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Re: another question about Google Drive

[Lorie McCloud]

oh thanks! I didn't understand what that item meant "sync all files and 
folders". I was afraid it would sync everything in my computer to Google Drive. 
lol.

> On Apr 25, 2019, at 10:50 AM, 'Tim Kilburn' via MacVisionaries 
>  wrote:
> 
> Hi,
> 
> When everything is signed in, the syncing should just be automatic.  That is, 
> if you're syncing all files and folders, whatever is deleted on the Mac, will 
> automatically be deleted on in the Google Drive in the Cloud.  I have over 34 
> GB in my Google Drive and it works normally for me.
> 
> Using Google Drive on Safari is fine.  Chrome is often slightly easier within 
> some of the Docs or Sheets app services, but basic Drive features is 
> perfectly fine in Safari.  Use the tab key and arrows for best results.  
> Also, use the return key to activate many items instead of VO-space.  There 
> are some menu items that work better in Chrome, but most regular navigation 
> is fine in Safari.
> 
> HTH.
> 
> Later...
> 
> Tim Kilburn
> Apple Teacher
> (with Swift Playgrounds Recognition)
> Fort McMurray, AB Canada
> 
> On Apr 24, 2019, at 21:59, Lorie McCloud  > wrote:
> 
> I see that in my Google drive on the web files weren't being deleted when I 
> deleted them from my drive on my Mac. is there a way to set it so that I can 
> control it from my computer? 15 gig is plenty for me if I can clear stuff out 
> of there once in awhile.
> 
> also, I have a lot of trouble actually seeing my files up there. 
> accessibility says it's better to use Chrome than Safari. Safari is what I'm 
> using. does anybody know how to look around up there with Safari?
> 
> Thanks.
> Lorie
> 
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RE: request for Apple watch series 4

[Simon Fogarty]

Thanks, just so long as it’s not me.

Might pass that back to them through feedback and accessibility email.

Cheers.

From: 'Andrew Lamanche' via MacVisionaries 
Sent: Friday, 26 April 2019 12:30 AM
To: macvisionaries@googlegroups.com
Subject: Re: request for Apple watch series 4

I’ve got the same problem. Message complication doesn’t get read as Voiceover 
focuses on its icon. Curious.
On 25 Apr 2019, at 10:31, Simon Fogarty 
mailto:si...@blinky-net.com>> wrote:

Hi Listers,

I’ve got a problem with my watch series 4,
I’m using a faces to which I’ve added the messages complication
But when flicking across the screen of the watch the messages complication 
doesn’t give me the name,

I’ve tried this on a couple of different faces, both in the sub dial and normal 
face / complication locations.
And also powered the watch off and on again but still the messages complication 
will not show in the different places on the watch face.

I wondered if anyone else can reproduce this
And it has been repeated in infograph,
Infograph modula
& utility faces.

Cheers,


Simon F


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Re: Considering a new mac mini.

['Tim Kilburn' via MacVisionaries]

Hi,

I don't wish to get into an argument here, but your comments appear to be 
simply your opinions.  They don't seem to be based on any data.  Cost of 
ownership, direct comparisons etc.  In order to "get real" as you suggested, we 
would need real data.  It is disrespectful to suggest that those who purchase 
Apple computers do it without considering all sorts of factors, including 
price, when they make their decisions.  Asking that people consider some 
factors before forming their opinions is not making "excuses".

Later...

Tim Kilburn
Apple Teacher
(with Swift Playgrounds Recognition)
Fort McMurray, AB Canada

On Apr 25, 2019, at 10:08, lenron brown  wrote:

I understand most will make excuses for apple and that's fine. Lets be
real though apple can be a bit over priced especially when it comes to
computers. This is okay because most will pay for it I guess. I have
come to the conclusion I don't need the latest and greatest, and when
it comes to apple computers you pretty much get the same thing if you
get a devices a couple years older anyways.

On 4/25/19, 'Tim Kilburn' via MacVisionaries
 wrote:
> Hi,
> 
> When slamming the price of Apple hardware, consider the following:
> 
> • MacOS and iOS are developed by Apple, and free to all users of their
> hardware.  The Android phones or Windows PC's do not have that same
> expense.
> • You'll pay similar prices when you purchase Tier 1 computers or
> Google/Samsung devices.  Quality internal components and software do not
> come at discount prices.
> • Accessibility is a priority and does not cost extra.  I realize that
> accessibility do not cost extra on most other tablets and mobile devices,
> but accessibility is not often as robust as it is on iOS.
> • Stock apps also come free, although the cost of those is likely included
> in the overall prices.
> • Updates to MacOS and iOS are free, not just for decimal increments.
> 
> Sure, you can purchase an Android device, or Windows PC for less, and many
> of them will do the job just fine.  It's your choice whether you want to pay
> for the reliability, accessibility and ecosystem experience of Apple.
> 
> It's improper to make generalized comparisons between the platforms when
> your only considering the price.
> 
> JMO, of course.
> 
> Later...
> 
> 
> Tim Kilburn
> Apple Teacher
> (with Swift Playgrounds Recognition)
> Fort McMurray, AB Canada
> 
> On Apr 24, 2019, at 23:40, Simon Fogarty  wrote:
> 
> Hi Dan,
> 
> Personally I agree apple products are over priced but they do tend to be
> more reliable and longer lasting than your equivalent  windows machines.
> 
> As for your requests,
> If you are looking at doing some music production then the increase in ram
> isn't going to hert,
> It's possibly a better increase option than needing to worry about the
> processor as well.
> 
> SO yeah if you've got a ssd 16GB ram,
> The standard I5 processor should be fine for what you are requiring.
> 
> If you've got an earlier mac mini then you could set that up to be a file
> storage machine and work on your new machine so you get the best of both
> worlds.
> 
> Otherwise a good choice of device.
> 
> 
> 
> -Original Message-
> From: 'Dan' via MacVisionaries 
> Sent: Thursday, 25 April 2019 12:38 PM
> To: macvisionaries@googlegroups.com
> Subject: Re: Considering a new mac mini.
> 
> Hi,
> The normal stuff, word processing, web browsing, email and the like.
> As well as some audio production.
> So, I want to get the most I can for as little as possible and still have a
> fairly good system.
> I don't want to break the bank either.
> I am increasingly  of the opinion that Apple products are greatly over
> priced and that's after many years of using apple products.
> 
> Dan
> 
> 
>> On Apr 24, 2019, at 4:15 PM, Simon Fogarty  wrote:
>> 
>> Hi Dan,
>> 
>> What is it that you wish to do with this machine?
>> 
>> My personal thought is that SSD is without a doubt  needed Processor
>> will depend really on what you are doing, As for ram, 16gb isn't a bad
>> thing but if your only using it to surf the net or write emails then
>> it's overkill
>> 
>> If your playing with music or video / graphics editing then it's a must.
>> The average mac will work great in most situations with 8GB of ram,
>> But in saying that,I'd go with 16GB jst to future proof even if it wasn't
>> needed.
>> 
>> 
>> 
>> -Original Message-
>> From: 'Dan' via MacVisionaries 
>> Sent: Thursday, 25 April 2019 3:09 AM
>> To: macvisionaries@googlegroups.com
>> Subject: Considering a new mac mini.
>> 
>> Hello list,
>> I'm thinking about purchasing a new mac mini.
>> So here are a few questions.
>> 
>> Out of the box with its basic configuration. What do you guys think of
>> this machine?
>> 
>> If I were to upgrade, I'd probably go with a 256 GB SSD. And perhaps also
>> upgrading to the max processor for this unit. Should I increase memory to
>> at least 16 GB or is that even necessary?
>> 
>> The idea here is to get the best bang 

Re: Considering a new mac mini.

[lenron brown]

I understand most will make excuses for apple and that's fine. Lets be
real though apple can be a bit over priced especially when it comes to
computers. This is okay because most will pay for it I guess. I have
come to the conclusion I don't need the latest and greatest, and when
it comes to apple computers you pretty much get the same thing if you
get a devices a couple years older anyways.

On 4/25/19, 'Tim Kilburn' via MacVisionaries
 wrote:
> Hi,
>
> When slamming the price of Apple hardware, consider the following:
>
> • MacOS and iOS are developed by Apple, and free to all users of their
> hardware.  The Android phones or Windows PC's do not have that same
> expense.
> • You'll pay similar prices when you purchase Tier 1 computers or
> Google/Samsung devices.  Quality internal components and software do not
> come at discount prices.
> • Accessibility is a priority and does not cost extra.  I realize that
> accessibility do not cost extra on most other tablets and mobile devices,
> but accessibility is not often as robust as it is on iOS.
> • Stock apps also come free, although the cost of those is likely included
> in the overall prices.
> • Updates to MacOS and iOS are free, not just for decimal increments.
>
> Sure, you can purchase an Android device, or Windows PC for less, and many
> of them will do the job just fine.  It's your choice whether you want to pay
> for the reliability, accessibility and ecosystem experience of Apple.
>
> It's improper to make generalized comparisons between the platforms when
> your only considering the price.
>
> JMO, of course.
>
> Later...
>
>
> Tim Kilburn
> Apple Teacher
> (with Swift Playgrounds Recognition)
> Fort McMurray, AB Canada
>
> On Apr 24, 2019, at 23:40, Simon Fogarty  wrote:
>
> Hi Dan,
>
> Personally I agree apple products are over priced but they do tend to be
> more reliable and longer lasting than your equivalent  windows machines.
>
> As for your requests,
> If you are looking at doing some music production then the increase in ram
> isn't going to hert,
> It's possibly a better increase option than needing to worry about the
> processor as well.
>
> SO yeah if you've got a ssd 16GB ram,
> The standard I5 processor should be fine for what you are requiring.
>
> If you've got an earlier mac mini then you could set that up to be a file
> storage machine and work on your new machine so you get the best of both
> worlds.
>
> Otherwise a good choice of device.
>
>
>
> -Original Message-
> From: 'Dan' via MacVisionaries 
> Sent: Thursday, 25 April 2019 12:38 PM
> To: macvisionaries@googlegroups.com
> Subject: Re: Considering a new mac mini.
>
> Hi,
> The normal stuff, word processing, web browsing, email and the like.
> As well as some audio production.
> So, I want to get the most I can for as little as possible and still have a
> fairly good system.
> I don't want to break the bank either.
> I am increasingly  of the opinion that Apple products are greatly over
> priced and that's after many years of using apple products.
>
> Dan
>
>
>> On Apr 24, 2019, at 4:15 PM, Simon Fogarty  wrote:
>>
>> Hi Dan,
>>
>> What is it that you wish to do with this machine?
>>
>> My personal thought is that SSD is without a doubt  needed Processor
>> will depend really on what you are doing, As for ram, 16gb isn't a bad
>> thing but if your only using it to surf the net or write emails then
>> it's overkill
>>
>> If your playing with music or video / graphics editing then it's a must.
>> The average mac will work great in most situations with 8GB of ram,
>> But in saying that,I'd go with 16GB jst to future proof even if it wasn't
>> needed.
>>
>>
>>
>> -Original Message-
>> From: 'Dan' via MacVisionaries 
>> Sent: Thursday, 25 April 2019 3:09 AM
>> To: macvisionaries@googlegroups.com
>> Subject: Considering a new mac mini.
>>
>> Hello list,
>> I'm thinking about purchasing a new mac mini.
>> So here are a few questions.
>>
>> Out of the box with its basic configuration. What do you guys think of
>> this machine?
>>
>> If I were to upgrade, I'd probably go with a 256 GB SSD. And perhaps also
>> upgrading to the max processor for this unit. Should I increase memory to
>> at least 16 GB or is that even necessary?
>>
>> The idea here is to get the best bang for the lowest price without any
>> major compromises.
>>
>> Again, what do you guys think of this approach? In general what comments
>> do you have regarding the mac mini.
>>
>> TIA.
>>
>>
>>
>>
>> Dan
>>
>>
>> --
>> The following information is important for all members of the Mac
>> Visionaries list.
>>
>> If you have any questions or concerns about the running of this list, or
>> if you feel that a member's post is inappropriate, please contact the
>> owners or moderators directly rather than posting on the list itself.
>>
>> Your Mac Visionaries list moderator is Mark Taylor.  You can reach
>> mark at:  mk...@ucla.edu and your owner is Cara Quinn - you can reach
>> Cara at 

Re: another question about Google Drive

['Tim Kilburn' via MacVisionaries]

Hi,

When everything is signed in, the syncing should just be automatic.  That is, 
if you're syncing all files and folders, whatever is deleted on the Mac, will 
automatically be deleted on in the Google Drive in the Cloud.  I have over 34 
GB in my Google Drive and it works normally for me.

Using Google Drive on Safari is fine.  Chrome is often slightly easier within 
some of the Docs or Sheets app services, but basic Drive features is perfectly 
fine in Safari.  Use the tab key and arrows for best results.  Also, use the 
return key to activate many items instead of VO-space.  There are some menu 
items that work better in Chrome, but most regular navigation is fine in Safari.

HTH.

Later...

Tim Kilburn
Apple Teacher
(with Swift Playgrounds Recognition)
Fort McMurray, AB Canada

On Apr 24, 2019, at 21:59, Lorie McCloud  wrote:

I see that in my Google drive on the web files weren't being deleted when I 
deleted them from my drive on my Mac. is there a way to set it so that I can 
control it from my computer? 15 gig is plenty for me if I can clear stuff out 
of there once in awhile.

also, I have a lot of trouble actually seeing my files up there. accessibility 
says it's better to use Chrome than Safari. Safari is what I'm using. does 
anybody know how to look around up there with Safari?

Thanks.
Lorie

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Re: The two reasons Apple Pay in the US lags way behind Europe, 9 to 5 Mac

['Tim Kilburn' via MacVisionaries]

Hi,

As long as your financial institution supports Apple Pay with their various 
services, it's very easy.  Just follow the prompts from within the Wallet app.

Later...

Tim Kilburn
Apple Teacher
(with Swift Playgrounds Recognition)
Fort McMurray, AB Canada

On Apr 25, 2019, at 09:18, Michael Busboom  wrote:

Hi.

I live in Austria and would like to set up Apple Pay.  How easy is it to set 
up??

Thanks.

Mike



> On 25.04.2019, at 13:29, 'Kawal Gucukoglu' via MacVisionaries 
>  wrote:
> 
> I live in the UK and have never had problems with Apple Pay nor any problems 
> with my bank that does Apple Pay.
> 
> Sent from my iPhone
> 
>> On 25 Apr 2019, at 10:20 am, 'Harry Bell' via MacVisionaries 
>>  wrote:
>> 
>> In the UK, major banks like Barclays and the Halifax do support Apple Pay. 
>> But whenever I’ve tried to buy anything over £50 online from Apple using 
>> Apple Pay (Apple Watch or iPhone), the transaction appears to go through but 
>> a short while later, I’m notified that it failed to go through. I ring Apple 
>> and they blame the bank. I ring the bank and they blame Apple. It’s a shame 
>> that there seem to be no plans to bring the Apple credit card to the UK!
>> Cheers
>> Harry
>> 
>>> On 25 Apr 2019, at 09:26, Jürgen Fleger  wrote:
>>> 
>>> honnestly said: the same in Europe at least in Germany where I live. Only a 
>>> few smaller Banks offer Apple Pay but the larger ones don’t so far. What I 
>>> think is a pitty. Let see what time brings.
>>> Jürgen
>>> 
>>> 
 Am 25.04.2019 um 08:18 schrieb Simon Fogarty :
 
 Yeah Apple pay is still a limited thing here in nz,
 Only 2 of our banks have it 
 
 -Original Message-
 From: macvisionaries@googlegroups.com  On 
 Behalf Of M. Taylor
 Sent: Thursday, 25 April 2019 1:11 PM
 To: macvisionaries@googlegroups.com
 Subject: The two reasons Apple Pay in the US lags way behind Europe, 9 to 
 5 Mac
 
 9 to 5 Mac - Wednesday, April 24, 2019 at 7:54 AM
 
 The two reasons Apple Pay in the US lags way behind Europe
 
 When we reported that JC Penney had stopped supporting Apple Pay, some 
 European readers were confused about the state of Apple Pay in the US. Why 
 did the chain need to specifically support Apple Pay when everywhere in 
 Europe accepts it because it’s effectively just another contactless card?
 
 A reader suggested I write an explainer, which I added to my to-do list 
 only to find that CNBC did it for me in video form …
 
 Contactless payment in Europe
 Certainly in London and other major cities, contactless payment is 
 supported pretty much everywhere. From major retailers through coffee 
 shops to independent corner stores and market stalls. Even some buskers 
 accept contactless payment.
 
 If you travel around London, you no longer need an Oyster card – just tap 
 your contactless card at the entry gates to tube, DLR, and Overground 
 stations, as well as when boarding buses.
 
 For many of us, it’s the default way to pay for even really minor 
 purchases like a chocolate bar. It’s the new cash.
 
 Apple Pay in Europe
 If a retailer accepts contactless cards (and they pretty much all do), 
 then by definition they also accept Apple Pay – because to the card 
 terminal it looks just like a contactless card payment.
 
 Indeed, the only Apple Pay-specific aspect is transaction limits.
 Contactless cards are limited to a maximum transaction of £30 ($40). 
 That’s because contactless payment doesn’t have any kind of validation – 
 anyone can just tap a card and it’s done. (There are safeguards, like 
 monitoring for unusual payment patterns in order to temporarily block 
 contactless use of a suspected stolen card.)
 
 If a payment terminal has specific support for mobile wallet services like 
 Apple Pay, then it will recognize the fact that it’s an authenticated 
 payment (via Face ID or Touch ID) and apply a much higher transaction 
 limit.
 That varies by retailer, but is typically in the order of around £700 
 ($900).
 Certainly I’ve made purchases costing several hundred pounds using Apple 
 Pay, so it’s not only more secure than a contactless card, but more useful 
 too.
 
 Apple Pay in the US
 So if Apple Pay is accepted everywhere in Europe, why isn’t that the case 
 in the US?
 As CNBC notes, it isn’t an Apple Pay-specific issue, but rather that there 
 is still limited support for contactless among US retailers. Where they do 
 offer contactless payment, then – just as in Europe – Apple Pay ought to 
 work whether or not it is explicitly supported.
 
 There are two reasons contactless hasn’t taken off as well in the US. 
 First, most European countries have a relatively small number of major 
 banks, so there’s not too much coordination 

Re: Considering a new mac mini.

['Tim Kilburn' via MacVisionaries]

Hi,

When slamming the price of Apple hardware, consider the following:

• MacOS and iOS are developed by Apple, and free to all users of their 
hardware.  The Android phones or Windows PC's do not have that same expense.
• You'll pay similar prices when you purchase Tier 1 computers or 
Google/Samsung devices.  Quality internal components and software do not come 
at discount prices.
• Accessibility is a priority and does not cost extra.  I realize that 
accessibility do not cost extra on most other tablets and mobile devices, but 
accessibility is not often as robust as it is on iOS.
• Stock apps also come free, although the cost of those is likely included in 
the overall prices.
• Updates to MacOS and iOS are free, not just for decimal increments.

Sure, you can purchase an Android device, or Windows PC for less, and many of 
them will do the job just fine.  It's your choice whether you want to pay for 
the reliability, accessibility and ecosystem experience of Apple.

It's improper to make generalized comparisons between the platforms when your 
only considering the price.

JMO, of course.

Later...


Tim Kilburn
Apple Teacher
(with Swift Playgrounds Recognition)
Fort McMurray, AB Canada

On Apr 24, 2019, at 23:40, Simon Fogarty  wrote:

Hi Dan,

Personally I agree apple products are over priced but they do tend to be more 
reliable and longer lasting than your equivalent  windows machines.

As for your requests,
If you are looking at doing some music production then the increase in ram 
isn't going to hert,
It's possibly a better increase option than needing to worry about the 
processor as well.

SO yeah if you've got a ssd 16GB ram,
The standard I5 processor should be fine for what you are requiring.

If you've got an earlier mac mini then you could set that up to be a file 
storage machine and work on your new machine so you get the best of both worlds.

Otherwise a good choice of device.



-Original Message-
From: 'Dan' via MacVisionaries  
Sent: Thursday, 25 April 2019 12:38 PM
To: macvisionaries@googlegroups.com
Subject: Re: Considering a new mac mini.

Hi,
The normal stuff, word processing, web browsing, email and the like.
As well as some audio production.
So, I want to get the most I can for as little as possible and still have a 
fairly good system.
I don't want to break the bank either. 
I am increasingly  of the opinion that Apple products are greatly over priced 
and that's after many years of using apple products.

Dan


> On Apr 24, 2019, at 4:15 PM, Simon Fogarty  wrote:
> 
> Hi Dan,
> 
> What is it that you wish to do with this machine?
> 
> My personal thought is that SSD is without a doubt  needed Processor 
> will depend really on what you are doing, As for ram, 16gb isn't a bad 
> thing but if your only using it to surf the net or write emails then 
> it's overkill
> 
> If your playing with music or video / graphics editing then it's a must.
> The average mac will work great in most situations with 8GB of ram, 
> But in saying that,I'd go with 16GB jst to future proof even if it wasn't 
> needed.
> 
> 
> 
> -Original Message-
> From: 'Dan' via MacVisionaries 
> Sent: Thursday, 25 April 2019 3:09 AM
> To: macvisionaries@googlegroups.com
> Subject: Considering a new mac mini.
> 
> Hello list,
> I'm thinking about purchasing a new mac mini.
> So here are a few questions.
> 
> Out of the box with its basic configuration. What do you guys think of this 
> machine?
> 
> If I were to upgrade, I'd probably go with a 256 GB SSD. And perhaps also 
> upgrading to the max processor for this unit. Should I increase memory to at 
> least 16 GB or is that even necessary?
> 
> The idea here is to get the best bang for the lowest price without any major 
> compromises.
> 
> Again, what do you guys think of this approach? In general what comments do 
> you have regarding the mac mini.
> 
> TIA.
> 
> 
> 
> 
> Dan
> 
> 
> --
> The following information is important for all members of the Mac Visionaries 
> list.
> 
> If you have any questions or concerns about the running of this list, or if 
> you feel that a member's post is inappropriate, please contact the owners or 
> moderators directly rather than posting on the list itself.
> 
> Your Mac Visionaries list moderator is Mark Taylor.  You can reach 
> mark at:  mk...@ucla.edu and your owner is Cara Quinn - you can reach 
> Cara at caraqu...@caraquinn.com
> 
> The archives for this list can be searched at:
> http://www.mail-archive.com/macvisionaries@googlegroups.com/
> ---
> You received this message because you are subscribed to the Google Groups 
> "MacVisionaries" group.
> To unsubscribe from this group and stop receiving emails from it, send an 
> email to macvisionaries+unsubscr...@googlegroups.com.
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> For more options, visit https://groups.google.com/d/optout.
> 
> --
> The following 

Re: The two reasons Apple Pay in the US lags way behind Europe, 9 to 5 Mac

[Michael Busboom]

Hi.

I live in Austria and would like to set up Apple Pay.  How easy is it to set 
up??

Thanks.

Mike



> On 25.04.2019, at 13:29, 'Kawal Gucukoglu' via MacVisionaries 
>  wrote:
> 
> I live in the UK and have never had problems with Apple Pay nor any problems 
> with my bank that does Apple Pay.
> 
> Sent from my iPhone
> 
>> On 25 Apr 2019, at 10:20 am, 'Harry Bell' via MacVisionaries 
>>  wrote:
>> 
>> In the UK, major banks like Barclays and the Halifax do support Apple Pay. 
>> But whenever I’ve tried to buy anything over £50 online from Apple using 
>> Apple Pay (Apple Watch or iPhone), the transaction appears to go through but 
>> a short while later, I’m notified that it failed to go through. I ring Apple 
>> and they blame the bank. I ring the bank and they blame Apple. It’s a shame 
>> that there seem to be no plans to bring the Apple credit card to the UK!
>> Cheers
>> Harry
>> 
>>> On 25 Apr 2019, at 09:26, Jürgen Fleger  wrote:
>>> 
>>> honnestly said: the same in Europe at least in Germany where I live. Only a 
>>> few smaller Banks offer Apple Pay but the larger ones don’t so far. What I 
>>> think is a pitty. Let see what time brings.
>>> Jürgen
>>> 
>>> 
 Am 25.04.2019 um 08:18 schrieb Simon Fogarty :
 
 Yeah Apple pay is still a limited thing here in nz,
 Only 2 of our banks have it 
 
 -Original Message-
 From: macvisionaries@googlegroups.com  On 
 Behalf Of M. Taylor
 Sent: Thursday, 25 April 2019 1:11 PM
 To: macvisionaries@googlegroups.com
 Subject: The two reasons Apple Pay in the US lags way behind Europe, 9 to 
 5 Mac
 
 9 to 5 Mac - Wednesday, April 24, 2019 at 7:54 AM
 
 The two reasons Apple Pay in the US lags way behind Europe
 
 When we reported that JC Penney had stopped supporting Apple Pay, some 
 European readers were confused about the state of Apple Pay in the US. Why 
 did the chain need to specifically support Apple Pay when everywhere in 
 Europe accepts it because it’s effectively just another contactless card?
 
 A reader suggested I write an explainer, which I added to my to-do list 
 only to find that CNBC did it for me in video form …
 
 Contactless payment in Europe
 Certainly in London and other major cities, contactless payment is 
 supported pretty much everywhere. From major retailers through coffee 
 shops to independent corner stores and market stalls. Even some buskers 
 accept contactless payment.
 
 If you travel around London, you no longer need an Oyster card – just tap 
 your contactless card at the entry gates to tube, DLR, and Overground 
 stations, as well as when boarding buses.
 
 For many of us, it’s the default way to pay for even really minor 
 purchases like a chocolate bar. It’s the new cash.
 
 Apple Pay in Europe
 If a retailer accepts contactless cards (and they pretty much all do), 
 then by definition they also accept Apple Pay – because to the card 
 terminal it looks just like a contactless card payment.
 
 Indeed, the only Apple Pay-specific aspect is transaction limits.
 Contactless cards are limited to a maximum transaction of £30 ($40). 
 That’s because contactless payment doesn’t have any kind of validation – 
 anyone can just tap a card and it’s done. (There are safeguards, like 
 monitoring for unusual payment patterns in order to temporarily block 
 contactless use of a suspected stolen card.)
 
 If a payment terminal has specific support for mobile wallet services like 
 Apple Pay, then it will recognize the fact that it’s an authenticated 
 payment (via Face ID or Touch ID) and apply a much higher transaction 
 limit.
 That varies by retailer, but is typically in the order of around £700 
 ($900).
 Certainly I’ve made purchases costing several hundred pounds using Apple 
 Pay, so it’s not only more secure than a contactless card, but more useful 
 too.
 
 Apple Pay in the US
 So if Apple Pay is accepted everywhere in Europe, why isn’t that the case 
 in the US?
 As CNBC notes, it isn’t an Apple Pay-specific issue, but rather that there 
 is still limited support for contactless among US retailers. Where they do 
 offer contactless payment, then – just as in Europe – Apple Pay ought to 
 work whether or not it is explicitly supported.
 
 There are two reasons contactless hasn’t taken off as well in the US. 
 First, most European countries have a relatively small number of major 
 banks, so there’s not too much coordination needed to persuade them to 
 adopt new technologies. And once the major banks do it, smaller ones have 
 no choice but to follow.
 
 That’s different in the US. There are many more banks and credit unions, 
 and none are so dominant that everyone else has to follow their example.
 Chip-and-PIN 

Re: Assisting a friend with a Kindle/iPhone issue

[Mary Otten]

Hi Mike,
Like you, I have never seen this problem with the Kindle app on my iPhone, any 
of my iPhones, going all the way back to whenever it was they first made the 
Kindle app accessible. My advice would be the same as yours. Uninstall and 
reinstall the app.
Mary


Sent from my iPhone

> On Apr 25, 2019, at 7:11 AM, Michael Busboom  wrote:
> 
> Hello everyone,
> 
> A sighted friend has asked me to assist him with an issue he is having with 
> the Kindle app on his iPhone.  He is in no way technically inclined, so I am 
> not certain that he is articulating the problem properly.
> 
> My friend normally reads Kindle books on his iPad, but he will soon be 
> travelling and wants to do all his reading on his iPhone. I don’t know if he 
> has an iPhone 8 or 10.  He says that whenever he launches the Kindle app on 
> his iPone, he sees the book titles in his library, but as soon as he clicks 
> on a title he wants to read, the app „disappears from his iPhone,“ and he 
> ends up back on the home screen.  Has anyone ever encountered an issue like 
> this? I haven’t.
> 
> My solution to the problem would be to delete the app from the iPhone and 
> then re-install it.  I’d just be interested in knowing whether anyone else 
> has ever encountered this problem and what they did to solve it.
> 
> Thanks in advance,
> 
> Mike 
> 
> -- 
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> list.
> 
> If you have any questions or concerns about the running of this list, or if 
> you feel that a member's post is inappropriate, please contact the owners or 
> moderators directly rather than posting on the list itself.
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Reading punctuation with a different voice in pages?

[Leo Bado]

Hello,

My question is about text processing in pages.

is it possible to have voice over pronouncing punctuation such as comas 
and periods with a different voice from the one who is being used?
For example, as Alex reads the text, Susan reads comas, periods and 
semicolons, etc.


Thanks for precise information or or any information closely related to 
my question.



--
Leo Bado

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Assisting a friend with a Kindle/iPhone issue

[Michael Busboom]

Hello everyone,

A sighted friend has asked me to assist him with an issue he is having with the 
Kindle app on his iPhone.  He is in no way technically inclined, so I am not 
certain that he is articulating the problem properly.

My friend normally reads Kindle books on his iPad, but he will soon be 
travelling and wants to do all his reading on his iPhone. I don’t know if he 
has an iPhone 8 or 10.  He says that whenever he launches the Kindle app on his 
iPone, he sees the book titles in his library, but as soon as he clicks on a 
title he wants to read, the app „disappears from his iPhone,“ and he ends up 
back on the home screen.  Has anyone ever encountered an issue like this? I 
haven’t.

My solution to the problem would be to delete the app from the iPhone and then 
re-install it.  I’d just be interested in knowing whether anyone else has ever 
encountered this problem and what they did to solve it.

Thanks in advance,

Mike 

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Re: request for Apple watch series 4

['Andrew Lamanche' via MacVisionaries]

I’ve got the same problem. Message complication doesn’t get read as Voiceover 
focuses on its icon. Curious.
> On 25 Apr 2019, at 10:31, Simon Fogarty  wrote:
> 
> Hi Listers,
>  
> I’ve got a problem with my watch series 4,
> I’m using a faces to which I’ve added the messages complication
> But when flicking across the screen of the watch the messages complication 
> doesn’t give me the name,
>  
> I’ve tried this on a couple of different faces, both in the sub dial and 
> normal face / complication locations.
> And also powered the watch off and on again but still the messages 
> complication will not show in the different places on the watch face.
>  
> I wondered if anyone else can reproduce this
> And it has been repeated in infograph,
> Infograph modula 
> & utility faces.
>  
> Cheers,
>  
>  
> Simon F
>  
> 
> -- 
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> list.
>  
> If you have any questions or concerns about the running of this list, or if 
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> reach Cara at caraqu...@caraquinn.com 
>  
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> 
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Re: The two reasons Apple Pay in the US lags way behind Europe, 9 to 5 Mac

['Kawal Gucukoglu' via MacVisionaries]

I live in the UK and have never had problems with Apple Pay nor any problems 
with my bank that does Apple Pay.

Sent from my iPhone

> On 25 Apr 2019, at 10:20 am, 'Harry Bell' via MacVisionaries 
>  wrote:
> 
> In the UK, major banks like Barclays and the Halifax do support Apple Pay. 
> But whenever I’ve tried to buy anything over £50 online from Apple using 
> Apple Pay (Apple Watch or iPhone), the transaction appears to go through but 
> a short while later, I’m notified that it failed to go through. I ring Apple 
> and they blame the bank. I ring the bank and they blame Apple. It’s a shame 
> that there seem to be no plans to bring the Apple credit card to the UK!
> Cheers
> Harry
> 
>> On 25 Apr 2019, at 09:26, Jürgen Fleger  wrote:
>> 
>> honnestly said: the same in Europe at least in Germany where I live. Only a 
>> few smaller Banks offer Apple Pay but the larger ones don’t so far. What I 
>> think is a pitty. Let see what time brings.
>> Jürgen
>> 
>> 
>>> Am 25.04.2019 um 08:18 schrieb Simon Fogarty :
>>> 
>>> Yeah Apple pay is still a limited thing here in nz,
>>> Only 2 of our banks have it 
>>> 
>>> -Original Message-
>>> From: macvisionaries@googlegroups.com  On 
>>> Behalf Of M. Taylor
>>> Sent: Thursday, 25 April 2019 1:11 PM
>>> To: macvisionaries@googlegroups.com
>>> Subject: The two reasons Apple Pay in the US lags way behind Europe, 9 to 5 
>>> Mac
>>> 
>>> 9 to 5 Mac - Wednesday, April 24, 2019 at 7:54 AM
>>> 
>>> The two reasons Apple Pay in the US lags way behind Europe
>>> 
>>> When we reported that JC Penney had stopped supporting Apple Pay, some 
>>> European readers were confused about the state of Apple Pay in the US. Why 
>>> did the chain need to specifically support Apple Pay when everywhere in 
>>> Europe accepts it because it’s effectively just another contactless card?
>>> 
>>> A reader suggested I write an explainer, which I added to my to-do list 
>>> only to find that CNBC did it for me in video form …
>>> 
>>> Contactless payment in Europe
>>> Certainly in London and other major cities, contactless payment is 
>>> supported pretty much everywhere. From major retailers through coffee shops 
>>> to independent corner stores and market stalls. Even some buskers accept 
>>> contactless payment.
>>> 
>>> If you travel around London, you no longer need an Oyster card – just tap 
>>> your contactless card at the entry gates to tube, DLR, and Overground 
>>> stations, as well as when boarding buses.
>>> 
>>> For many of us, it’s the default way to pay for even really minor purchases 
>>> like a chocolate bar. It’s the new cash.
>>> 
>>> Apple Pay in Europe
>>> If a retailer accepts contactless cards (and they pretty much all do), then 
>>> by definition they also accept Apple Pay – because to the card terminal it 
>>> looks just like a contactless card payment.
>>> 
>>> Indeed, the only Apple Pay-specific aspect is transaction limits.
>>> Contactless cards are limited to a maximum transaction of £30 ($40). That’s 
>>> because contactless payment doesn’t have any kind of validation – anyone 
>>> can just tap a card and it’s done. (There are safeguards, like monitoring 
>>> for unusual payment patterns in order to temporarily block contactless use 
>>> of a suspected stolen card.)
>>> 
>>> If a payment terminal has specific support for mobile wallet services like 
>>> Apple Pay, then it will recognize the fact that it’s an authenticated 
>>> payment (via Face ID or Touch ID) and apply a much higher transaction limit.
>>> That varies by retailer, but is typically in the order of around £700 
>>> ($900).
>>> Certainly I’ve made purchases costing several hundred pounds using Apple 
>>> Pay, so it’s not only more secure than a contactless card, but more useful 
>>> too.
>>> 
>>> Apple Pay in the US
>>> So if Apple Pay is accepted everywhere in Europe, why isn’t that the case 
>>> in the US?
>>> As CNBC notes, it isn’t an Apple Pay-specific issue, but rather that there 
>>> is still limited support for contactless among US retailers. Where they do 
>>> offer contactless payment, then – just as in Europe – Apple Pay ought to 
>>> work whether or not it is explicitly supported.
>>> 
>>> There are two reasons contactless hasn’t taken off as well in the US. 
>>> First, most European countries have a relatively small number of major 
>>> banks, so there’s not too much coordination needed to persuade them to 
>>> adopt new technologies. And once the major banks do it, smaller ones have 
>>> no choice but to follow.
>>> 
>>> That’s different in the US. There are many more banks and credit unions, 
>>> and none are so dominant that everyone else has to follow their example.
>>> Chip-and-PIN is another example of a payment technology that is taking a 
>>> very long time to take off in the US, while it’s been the norm in Europe 
>>> for more than a decade.
>>> 
>>> Second, debit card payment was already the norm in Europe. People just 
>>> wanted a faster and more convenient way to 

request for Apple watch series 4

[Simon Fogarty]

Hi Listers,

I've got a problem with my watch series 4,
I'm using a faces to which I've added the messages complication
But when flicking across the screen of the watch the messages complication 
doesn't give me the name,

I've tried this on a couple of different faces, both in the sub dial and normal 
face / complication locations.
And also powered the watch off and on again but still the messages complication 
will not show in the different places on the watch face.

I wondered if anyone else can reproduce this
And it has been repeated in infograph,
Infograph modula
& utility faces.

Cheers,


Simon F

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Re: The two reasons Apple Pay in the US lags way behind Europe, 9 to 5 Mac

['Harry Bell' via MacVisionaries]

In the UK, major banks like Barclays and the Halifax do support Apple Pay. But 
whenever I’ve tried to buy anything over £50 online from Apple using Apple Pay 
(Apple Watch or iPhone), the transaction appears to go through but a short 
while later, I’m notified that it failed to go through. I ring Apple and they 
blame the bank. I ring the bank and they blame Apple. It’s a shame that there 
seem to be no plans to bring the Apple credit card to the UK!
Cheers
Harry

> On 25 Apr 2019, at 09:26, Jürgen Fleger  wrote:
> 
> honnestly said: the same in Europe at least in Germany where I live. Only a 
> few smaller Banks offer Apple Pay but the larger ones don’t so far. What I 
> think is a pitty. Let see what time brings.
> Jürgen
> 
> 
>> Am 25.04.2019 um 08:18 schrieb Simon Fogarty :
>> 
>> Yeah Apple pay is still a limited thing here in nz,
>> Only 2 of our banks have it 
>> 
>> -Original Message-
>> From: macvisionaries@googlegroups.com  On 
>> Behalf Of M. Taylor
>> Sent: Thursday, 25 April 2019 1:11 PM
>> To: macvisionaries@googlegroups.com
>> Subject: The two reasons Apple Pay in the US lags way behind Europe, 9 to 5 
>> Mac
>> 
>> 9 to 5 Mac - Wednesday, April 24, 2019 at 7:54 AM
>> 
>> The two reasons Apple Pay in the US lags way behind Europe
>> 
>> When we reported that JC Penney had stopped supporting Apple Pay, some 
>> European readers were confused about the state of Apple Pay in the US. Why 
>> did the chain need to specifically support Apple Pay when everywhere in 
>> Europe accepts it because it’s effectively just another contactless card?
>> 
>> A reader suggested I write an explainer, which I added to my to-do list only 
>> to find that CNBC did it for me in video form …
>> 
>> Contactless payment in Europe
>> Certainly in London and other major cities, contactless payment is supported 
>> pretty much everywhere. From major retailers through coffee shops to 
>> independent corner stores and market stalls. Even some buskers accept 
>> contactless payment.
>> 
>> If you travel around London, you no longer need an Oyster card – just tap 
>> your contactless card at the entry gates to tube, DLR, and Overground 
>> stations, as well as when boarding buses.
>> 
>> For many of us, it’s the default way to pay for even really minor purchases 
>> like a chocolate bar. It’s the new cash.
>> 
>> Apple Pay in Europe
>> If a retailer accepts contactless cards (and they pretty much all do), then 
>> by definition they also accept Apple Pay – because to the card terminal it 
>> looks just like a contactless card payment.
>> 
>> Indeed, the only Apple Pay-specific aspect is transaction limits.
>> Contactless cards are limited to a maximum transaction of £30 ($40). That’s 
>> because contactless payment doesn’t have any kind of validation – anyone can 
>> just tap a card and it’s done. (There are safeguards, like monitoring for 
>> unusual payment patterns in order to temporarily block contactless use of a 
>> suspected stolen card.)
>> 
>> If a payment terminal has specific support for mobile wallet services like 
>> Apple Pay, then it will recognize the fact that it’s an authenticated 
>> payment (via Face ID or Touch ID) and apply a much higher transaction limit.
>> That varies by retailer, but is typically in the order of around £700 ($900).
>> Certainly I’ve made purchases costing several hundred pounds using Apple 
>> Pay, so it’s not only more secure than a contactless card, but more useful 
>> too.
>> 
>> Apple Pay in the US
>> So if Apple Pay is accepted everywhere in Europe, why isn’t that the case in 
>> the US?
>> As CNBC notes, it isn’t an Apple Pay-specific issue, but rather that there 
>> is still limited support for contactless among US retailers. Where they do 
>> offer contactless payment, then – just as in Europe – Apple Pay ought to 
>> work whether or not it is explicitly supported.
>> 
>> There are two reasons contactless hasn’t taken off as well in the US. First, 
>> most European countries have a relatively small number of major banks, so 
>> there’s not too much coordination needed to persuade them to adopt new 
>> technologies. And once the major banks do it, smaller ones have no choice 
>> but to follow.
>> 
>> That’s different in the US. There are many more banks and credit unions, and 
>> none are so dominant that everyone else has to follow their example.
>> Chip-and-PIN is another example of a payment technology that is taking a 
>> very long time to take off in the US, while it’s been the norm in Europe for 
>> more than a decade.
>> 
>> Second, debit card payment was already the norm in Europe. People just 
>> wanted a faster and more convenient way to do it for lower-value 
>> transactions – and contactless payment was the answer.
>> 
>> It’s different in the US. There, cash is still king. For example, 55% of all 
>> transactions below $10 are made by cash, while in the UK that hasn’t been 
>> true since 2017.
>> 
>> So that’s why Apple Pay in the US is still rolling 

Re: The two reasons Apple Pay in the US lags way behind Europe, 9 to 5 Mac

[Jürgen Fleger]

honnestly said: the same in Europe at least in Germany where I live. Only a few 
smaller Banks offer Apple Pay but the larger ones don’t so far. What I think is 
a pitty. Let see what time brings.
Jürgen


> Am 25.04.2019 um 08:18 schrieb Simon Fogarty :
> 
> Yeah Apple pay is still a limited thing here in nz,
> Only 2 of our banks have it 
> 
> -Original Message-
> From: macvisionaries@googlegroups.com  On 
> Behalf Of M. Taylor
> Sent: Thursday, 25 April 2019 1:11 PM
> To: macvisionaries@googlegroups.com
> Subject: The two reasons Apple Pay in the US lags way behind Europe, 9 to 5 
> Mac
> 
> 9 to 5 Mac - Wednesday, April 24, 2019 at 7:54 AM
> 
> The two reasons Apple Pay in the US lags way behind Europe
> 
> When we reported that JC Penney had stopped supporting Apple Pay, some 
> European readers were confused about the state of Apple Pay in the US. Why 
> did the chain need to specifically support Apple Pay when everywhere in 
> Europe accepts it because it’s effectively just another contactless card?
> 
> A reader suggested I write an explainer, which I added to my to-do list only 
> to find that CNBC did it for me in video form …
> 
> Contactless payment in Europe
> Certainly in London and other major cities, contactless payment is supported 
> pretty much everywhere. From major retailers through coffee shops to 
> independent corner stores and market stalls. Even some buskers accept 
> contactless payment.
> 
> If you travel around London, you no longer need an Oyster card – just tap 
> your contactless card at the entry gates to tube, DLR, and Overground 
> stations, as well as when boarding buses.
> 
> For many of us, it’s the default way to pay for even really minor purchases 
> like a chocolate bar. It’s the new cash.
> 
> Apple Pay in Europe
> If a retailer accepts contactless cards (and they pretty much all do), then 
> by definition they also accept Apple Pay – because to the card terminal it 
> looks just like a contactless card payment.
> 
> Indeed, the only Apple Pay-specific aspect is transaction limits.
> Contactless cards are limited to a maximum transaction of £30 ($40). That’s 
> because contactless payment doesn’t have any kind of validation – anyone can 
> just tap a card and it’s done. (There are safeguards, like monitoring for 
> unusual payment patterns in order to temporarily block contactless use of a 
> suspected stolen card.)
> 
> If a payment terminal has specific support for mobile wallet services like 
> Apple Pay, then it will recognize the fact that it’s an authenticated payment 
> (via Face ID or Touch ID) and apply a much higher transaction limit.
> That varies by retailer, but is typically in the order of around £700 ($900).
> Certainly I’ve made purchases costing several hundred pounds using Apple Pay, 
> so it’s not only more secure than a contactless card, but more useful too.
> 
> Apple Pay in the US
> So if Apple Pay is accepted everywhere in Europe, why isn’t that the case in 
> the US?
> As CNBC notes, it isn’t an Apple Pay-specific issue, but rather that there is 
> still limited support for contactless among US retailers. Where they do offer 
> contactless payment, then – just as in Europe – Apple Pay ought to work 
> whether or not it is explicitly supported.
> 
> There are two reasons contactless hasn’t taken off as well in the US. First, 
> most European countries have a relatively small number of major banks, so 
> there’s not too much coordination needed to persuade them to adopt new 
> technologies. And once the major banks do it, smaller ones have no choice but 
> to follow.
> 
> That’s different in the US. There are many more banks and credit unions, and 
> none are so dominant that everyone else has to follow their example.
> Chip-and-PIN is another example of a payment technology that is taking a very 
> long time to take off in the US, while it’s been the norm in Europe for more 
> than a decade.
> 
> Second, debit card payment was already the norm in Europe. People just wanted 
> a faster and more convenient way to do it for lower-value transactions – and 
> contactless payment was the answer.
> 
> It’s different in the US. There, cash is still king. For example, 55% of all 
> transactions below $10 are made by cash, while in the UK that hasn’t been 
> true since 2017.
> 
> So that’s why Apple Pay in the US is still rolling out rather slowly.
> As for JC Penney, it seems they switched off support for all contactless 
> payment for reasons known only to themselves.
> 
> The irony is most new-ish payment terminals already support contactless – it 
> simply needs the retailer to enable it. So if yours hasn’t yet done so, keep
> asking: it may be as simple as them tapping a few buttons.
> 
> Original Article at: 
> https://9to5mac.com/2019/04/24/apple-pay-in-the-us/
> 
> 
> --
> The following information is important for all members of the Mac Visionaries 
> list.
> 
> If you have any questions or concerns about the running of this list, or 

RE: The two reasons Apple Pay in the US lags way behind Europe, 9 to 5 Mac

[Simon Fogarty]

Yeah Apple pay is still a limited thing here in nz,
Only 2 of our banks have it 

-Original Message-
From: macvisionaries@googlegroups.com  On 
Behalf Of M. Taylor
Sent: Thursday, 25 April 2019 1:11 PM
To: macvisionaries@googlegroups.com
Subject: The two reasons Apple Pay in the US lags way behind Europe, 9 to 5 Mac

9 to 5 Mac - Wednesday, April 24, 2019 at 7:54 AM

The two reasons Apple Pay in the US lags way behind Europe

When we reported that JC Penney had stopped supporting Apple Pay, some European 
readers were confused about the state of Apple Pay in the US. Why did the chain 
need to specifically support Apple Pay when everywhere in Europe accepts it 
because it’s effectively just another contactless card?

A reader suggested I write an explainer, which I added to my to-do list only to 
find that CNBC did it for me in video form …
 
Contactless payment in Europe
Certainly in London and other major cities, contactless payment is supported 
pretty much everywhere. From major retailers through coffee shops to 
independent corner stores and market stalls. Even some buskers accept 
contactless payment.

If you travel around London, you no longer need an Oyster card – just tap your 
contactless card at the entry gates to tube, DLR, and Overground stations, as 
well as when boarding buses.

For many of us, it’s the default way to pay for even really minor purchases 
like a chocolate bar. It’s the new cash.

Apple Pay in Europe
If a retailer accepts contactless cards (and they pretty much all do), then by 
definition they also accept Apple Pay – because to the card terminal it looks 
just like a contactless card payment.

Indeed, the only Apple Pay-specific aspect is transaction limits.
Contactless cards are limited to a maximum transaction of £30 ($40). That’s 
because contactless payment doesn’t have any kind of validation – anyone can 
just tap a card and it’s done. (There are safeguards, like monitoring for 
unusual payment patterns in order to temporarily block contactless use of a 
suspected stolen card.)

If a payment terminal has specific support for mobile wallet services like 
Apple Pay, then it will recognize the fact that it’s an authenticated payment 
(via Face ID or Touch ID) and apply a much higher transaction limit.
That varies by retailer, but is typically in the order of around £700 ($900).
Certainly I’ve made purchases costing several hundred pounds using Apple Pay, 
so it’s not only more secure than a contactless card, but more useful too.

Apple Pay in the US
So if Apple Pay is accepted everywhere in Europe, why isn’t that the case in 
the US?
As CNBC notes, it isn’t an Apple Pay-specific issue, but rather that there is 
still limited support for contactless among US retailers. Where they do offer 
contactless payment, then – just as in Europe – Apple Pay ought to work whether 
or not it is explicitly supported.

There are two reasons contactless hasn’t taken off as well in the US. First, 
most European countries have a relatively small number of major banks, so 
there’s not too much coordination needed to persuade them to adopt new 
technologies. And once the major banks do it, smaller ones have no choice but 
to follow.

That’s different in the US. There are many more banks and credit unions, and 
none are so dominant that everyone else has to follow their example.
Chip-and-PIN is another example of a payment technology that is taking a very 
long time to take off in the US, while it’s been the norm in Europe for more 
than a decade.

Second, debit card payment was already the norm in Europe. People just wanted a 
faster and more convenient way to do it for lower-value transactions – and 
contactless payment was the answer.

It’s different in the US. There, cash is still king. For example, 55% of all 
transactions below $10 are made by cash, while in the UK that hasn’t been true 
since 2017.

So that’s why Apple Pay in the US is still rolling out rather slowly.
As for JC Penney, it seems they switched off support for all contactless 
payment for reasons known only to themselves.

The irony is most new-ish payment terminals already support contactless – it 
simply needs the retailer to enable it. So if yours hasn’t yet done so, keep
asking: it may be as simple as them tapping a few buttons.

Original Article at: 
https://9to5mac.com/2019/04/24/apple-pay-in-the-us/


--
The following information is important for all members of the Mac Visionaries 
list.

If you have any questions or concerns about the running of this list, or if you 
feel that a member's post is inappropriate, please contact the owners or 
moderators directly rather than posting on the list itself.

Your Mac Visionaries list moderator is Mark Taylor.  You can reach mark at:  
mk...@ucla.edu and your owner is Cara Quinn - you can reach Cara at 
caraqu...@caraquinn.com

The archives for this list can be searched at:
http://www.mail-archive.com/macvisionaries@googlegroups.com/
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