I just downloaded and installed the new IOS 8.1 update with no issues. Apple Pay was setup successfully with my bank and minor bugs that was affecting my phone has disappeared. In fact my phone seems to be running smoother. This past Friday Apple's newest OS (Yosemite) was installed on my machine with no issues other than Notifications not working but I had help from the OS portion of the forum to troubleshoot. Issue resolved! Today I setup the functionality of making and receiving phones calls on my MacBook and I admit that addition is cool. To do this you will need the new OS and of course your iPhone. The Apple ecosystem consist of functional pieces of hardware and software that work together as a whole. Apple is to be commended for bringing all of this together that make our experiences in the mobile and computing domain a good experience!