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Roth IRA contributions are post-tax, but gains are tax deferred. As a result, you can access the contributions without penalty, but you would incur a penalty by accessing the gains.

The post you quoted was correct as they mentioned accessing contributions at any time.

 
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Now THAT we will have to wait and see. Judging by the wording, it looks like just transfers to and from a bank account.
I hope it has it, I think I saw in an earlier post that it would have a routing and account number, isn’t that all you need for DD?
 
Apple Card's official launch. It was released in the United States on August 20, 2019

Nearly 4 years later it is still US only.
It’s very likely that the UK might rule that the Apple Card Savings (by including “Apple” in the name) is an unfair monopoly and decide to force other banks (not just Goldman) to be a part of it. Much easier to avoid that headache altogether and just not release the product in the region.
 
3.75% isn't good enough for me. Marcus/Goldman Sachs used to offer the best rates, but Bread Savings is up to 4.5%.
 
Seeing Marcus by GS is already established in the UK , I do wonder what’s holding up the🍎 partnership from launching this product suite here 🤷🏻‍♀️.

Marcus currently offer the fixed lump sum restricted savings account @ 3.75%, it would be nice to have an 🍎 instant access acc @ that rate

Chase UK is still in its infancy but doing a fantastic job so far 👌🏽
 
If they're going to be a bank now they really need a way to view this on something that isn't an iPhone. iPad and Mac apps would be nice.

Not gonna happen, it's all part of their ecosystem lock-in. You can pay your bill online apparently probably because they are required to allow some non iPhone way to pay.
 
Not gonna happen, it's all part of their ecosystem lock-in. You can pay your bill online apparently probably because they are required to allow some non iPhone way to pay.
I love doing serious banking transactions and financial tracking with spreadsheets on a 6” screen when I have a 27” screen in my office. Thank you Tim.
 
I gave up waiting for this to happen (it's been six month since they announced it) and went with Synchrony. Their current APY is 4.15% and their CD rates are excellent as well. And I'm pretty sure Apple doesn't offer any better than the current Marcus rate of 3.75%. That said, if they do surprise and offer a more competitive or even better rate, I'd switch. I don't have an Apple Card but would love to ditch Amazon rewards if I could tie it all together in Wallet, and with the actual cash back as opposed to having to buy random Amazon crap.
 
I love doing serious banking transactions and financial tracking with spreadsheets on a 6” screen when I have a 27” screen in my office. Thank you Tim.
Ha I haven't actually checked if you can download CSV copies of statements like you can with a real bank account.
 
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I can't wait to start saving money. I'm not sure why It took Apple so long to launch this feature. This should have been on the top #1 priority list. Better late than never!

Because they’ve been busy building Apple Pay Later, a predatory buy now pay later scheme that feeds FOMO and the need for instant gratification among those least able to afford it.

Why Apple is disgracing their brand with this stuff just for more Benjamins is beyond me.
 
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3.75% isn't good enough for me. Marcus/Goldman Sachs used to offer the best rates, but Bread Savings is up to 4.5%.
I looked into this and found this:
1681482598131.png


I hope that's just standard "will fluctuate based on the Fed" language but certainly didn't fill me with excitement.
 
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Because they’ve been busy building Apple Pay Later, a predatory buy now pay later scheme that feeds FOMO and the need for instant gratification among those least able to afford it.
Isn't that all credit cards? My understanding was that Apple Card was interest free payments over the period financed which isn't always the case with regular credit cards. Or am I misunderstanding your "shake fist" post?
 
Because they’ve been busy building Apple Pay Later, a predatory buy now pay later scheme that feeds FOMO and the need for instant gratification among those least able to afford it.

Why Apple is disgracing their brand with this stuff just for more Benjamins is beyond me.
Apple has always had financing options for purchasing their own products. Financing = buy now pay later. That's with all credit cards, car loans, mortgages, ETC. It gives people the option to get things and pay for it with installments. Not a "scheme" at all. Most people have financed or purchased something on credit. If you know how to be disciplined and are a responsible adult you should be fine with credit(buy now pay later) Nothing "predatory" about it. It's used as a purchasing tool intended for you to pay back an amount you can AFFORD.

Sounds to me like maybe you had a bad experience with credit. The folks I know who hate credit or talk about it being "of the devil"(predatory) have had issues where they got in over their head and defaulted on a credit situation. Usually when they were young and irresponsible. Shoot I over-extend myself when I was young too. I learned a lesson and now use credit to my advantage gathering points paying off my credit card monthly.
 
It’s very likely that the UK might rule that the Apple Card Savings (by including “Apple” in the name) is an unfair monopoly and decide to force other banks (not just Goldman) to be a part of it. Much easier to avoid that headache altogether and just not release the product in the region.

That reply wasn't specific to UK, it is that Apple has yet to launch Apple Card in *any* other market.
 
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