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Apple Cash is primarily used as a way to send and receive money via the Messages app. If you have money in Apple Cash, you may be wondering how to put that money in your bank account. Although Apple Cash can be used to pay for things through Apple Pay, and it can be used to send money via the Messages app, not everyone uses these features often enough to keep a lot of money in their Apple Cash. Their are a couple of ways you can receive Apple Cash:
You can receive Apple Cash when someone sends you a payment via the Messages app.
If you have an Apple Card credit card, you can earn Apple Cash back for your purchases.
In this article, we will tell you how to view your Apple Cash information on your iPhone or iPad and tell you how to transfer your Apple Cash to your bank.
See also: Using Apple Pay: How to Avoid Scams and Dispute ChargesView your Apple Cash Card Info Your Apple Cash Balance & Transactions
To check your Apple Cash balance and transactions info:
Go to your Wallet app.
Tap on your Apple Cash card.
Tap the (circle with three dots).
iPad or iPhone:
Open Settings and select Wallet & Apple Pay.
Tap your Apple Cash card.Cash Balance
You can view your Apple Cash balance. Connect to Wi-Fi or cellular to make sure you are viewing the latest balance.Transactions
You can see all of your latest transactions. For more details on each transaction, tap on it.
See also: How To View And Download Apple Credit Card PDF StatementsTransfer Apple Cash to your Bank
You can transfer your Apple Cash to your bank account or to a Visa debit. You have two options for the transfer:
Transfer instantly to a Visa debit card.
Transfer within 1 to 3 business days to your bank account.
If you choose to transfer to your bank account, there are no fees associated with the transfer.Instant Transfer to Visa Debit
Before you begin, you need to make sure your device is updated to the latest iOS/iPadOS. Also, you will need to add an eligible Visa debit card in the Wallet app.
Your transfer should complete within 30 minutes.Transfer to Bank Account (1-3 Days)
Open your Apple Cash card info:
iPhone: Open the Wallet app and tap on your Apple Cash card. Tap the more (circle with three dots) button .
iPad or iPhone: Open the Settings app, select Wallet & Apple Pay. Tap on your Apple Cash card.
Select Transfer to Bank.
Enter the amount you wish to transfer and then tap Next.
Tap 1-3 Business Days. If your bank account is not set up, you can follow the instructions onscreen to add one.
You will need to confirm the transfer with Face ID, Touch ID or a passcode.
Your transfer should show up within 1-3 business days.Other Information
There is a $10,000 transaction limit on transfers to your bank account and $20,000 limit within 7 days.
You can only transfer to bank accounts in the United States.
There is a fee to use the instant transfer to a Visa debit card. The fee is 1% with a min fee of $0.25 and max fee of $10.If you Can’t Transfer Money
Make sure your device is updated to the latest iOS/iPadOS.
Check your Wi-Fi or cell connection.
When transferring money to a debit card, it has to be an eligible Visa debit card. You must use the billing address associated with your debit card.
When transferring to a bank account, make sure it is an eligible U.S. bank account and that you have correctly entered the account and routing numbers.If you Don’t Receive your Transfer
In order to check that you received your transfer, you should check your bank statement. Banks won’t process your transfer if it is a weekend or bank holiday.
If your Instant Transfer hasn’t gone through within 2 hours or if your bank transfer hasn’t gone through after 3 business days, you should contact Apple Support.
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One effective way to make actual change in your life is by putting your money where your mouth is. Whether that’s buying your clothing second-hand or shopping for food locally to bring down the carbon footprint of your groceries, there’s a lot that you can do if you’re trying to make the world a little greener with your own green. So why not invest your money in a bank that shares some of those same principles?
PopSci chatted with Megan Hryndza, the CEO and co-founder of Mighty Deposits, which helps link people up with banks that make environmentally responsible investments.
“It takes a whole lot longer for a bank to change its direction than it does for a person to change their bank account,” she says. “The most impactful and immediate way to align your dollars with your values today is to put some, if not all, in banks performing right now on the issues that are most important to you, and then letting your current bank know why you moved your money. Nothing will get their attention faster.”What sustainable banks do differently
When you put your money in a savings account, it doesn’t just sit there waiting for you when you need it. Banks are actively investing that money to finance other ventures to keep growing their funds. What they put your money in might not always be super clear—and different banks have different reasons for investing. But, in general, many of them are still bankrolling fossil fuels, despite the industry’s impacts on the health of people and the planet.
The motivation behind this may vary. “For example, a community bank in West Virginia may fund small business coal mine operations because it’s committed to preserving local jobs, while a global bank in New York may fund fossil fuel drilling because it’s designed to,” Hryndza says.
And as people become more active about climate change and the role that our economy plays in it, more banks are starting to listen. Some, Hryndza says, have made promises and commitments to no longer fund drilling in the Arctic or switch toward renewable energy projects. And a few, such as the online bank Atmos, exclusively fund climate change solutions.
Some of these institutions, she adds, may end up investing in greener options simply because that’s the economically wise thing to do, and not necessarily because it’s “green.” At the same time, banks that speak out on climate change may still be putting a ton of money into fossil fuels. For example, Citi and JP Morgan have invested around $3.8 trillion in fossil fuels even after the Paris Agreement.
[Related: Your retirement account can also help protect the planet.]
“Putting money into a bank with greener standards is like a vote, Hryndza says. “It’s one of the simplest, yet most profound ways to steer lasting, top-down change at a systems level, in response to grassroots action through the coordination of millions [of people].”Red (and green) flags to look out for on your bank search
In the same way that companies can greenwash their products, banks can also greenwash their services. For instance, if a bank is too busy talking about its green offices, green e-statements, or green philanthropy, but not how it actually doles out its money, that’s a big warning sign, Hryndza says. It’s also important to assess what a bank is doing today to benefit the planet—not those big promises for the future that may never come to fruition.
Another key question to ask when switching banks is how much money they’re putting into community investments versus speculative investments, Hyrndza says. If a company is already investing in affordable housing, good jobs, hospitals, parks, and schools in low-income or otherwise marginalized communities, that’s a good sign that your funds will go toward making the world more resilient, even as the environment becomes more unstable.
[Related: Sci-fi carbon coins could actually save our planet.]
Certifications like B-Corp and membership in groups like Global Alliance for Banking on Values are also signs that the bank is committed to sustainability—and that they’re being held accountable for those commitments.Where to find banking alternatives
To personalize your search, Hryndza suggests using an online service like Aspiration that makes it easy to know that your money isn’t ending up in fossil fuels and is supporting small, impactful businesses. Other well-established green banking option are Atmos, National Cooperative Bank, and Southern Bancorp. Might Deposits also has a detailed resource with tons of options, and Green Deposits has a tip sheet on the how-tos of moving your money.
So whatever your vision for a sustainable future, be it renewables or equitable communities, there’s an easy way to support it by just moving your own cash around. It could mean the difference between supporting the future you hope for and funding initiatives that do the exact opposite.
MetaMask is a cryptocurrency wallet that allows you to store your Ethereum.
However, you won’t be able to sell your Ethereum on it.
If you don’t sell your Ethereum, you won’t be able to withdraw money to your bank account.
If you want to sell your Ethereum, you need to use a cryptocurrency exchange.
There are many cryptocurrency exchanges including Binance, Coinbase, Gemini, and others.
Binance is highly recommended because it has one of the lowest fees.
By selling your Ethereum on Binance, you can choose the currency that you want to receive.
For example, if you live in Europe, you can select the “EUR” currency.
In this guide, you’ll learn how to withdraw money from MetaMask to your bank account by selling your Ethereum on Binance.How to withdraw money from MetaMask to bank account
To withdraw money from MetaMask to your bank account, you need to send your Ethereum to a cryptocurrency exchange like Binance.
Next, sell your Ethereum on Binance and withdraw it to your bank account.
You won’t be able to sell your Ethereum on MetaMask.
Hence, you need to send your Ethereum to a cryptocurrency exchange like Binance.
On Binance, you’ll be able to sell your Ethereum for fiat money so you can withdraw it to your bank account.
Binance offers a variety of withdrawal methods.
The withdrawal methods depend on your country or region.
The most common withdrawal method is the “Bank Card” method, which is also known as an instant card withdrawal.
By using an instant card withdrawal, the process will typically take 5 minutes to complete.
However, there is a 1% transaction fee for EEA customers.
Here’s how to withdraw money from MetaMask to bank account:1. Create a Binance account
Before you can withdraw money from MetaMask to your bank account, you need to sell your Ethereum on a cryptocurrency exchange.
Binance is highly recommended because it has one of the lowest fees.
On the registration page, enter your email address and choose a password.
Then, use “73583477” as the referral ID.
After you’ve created a Binance account, you need to verify your identity.
This includes the basic verification and intermediate verification.
The basic verification requires you to provide your information including your birthday and address.
On the other hand, intermediate verification requires you to verify your identity by uploading your ID and taking a photo of yourself.
Once you’ve completed the verifications, you’ll have full access to the features on Binance.2. Copy your Ethereum address on Binance
After you’ve created a Binance account and verified your identity, you need to copy your Ethereum address.
You need to send your Ethereum from MetaMask to this address later on.
On your fiat and spot wallet, you’ll see a list of your cryptocurrency balances.
Scroll down the list until you find “ETH”.
Firstly, if the “Coin” dropdown box isn’t “ETH”, select “ETH”.
Next, select the “ERC20” network using the “Network” dropdown box.
Once you’ve selected the “ERC20” network, you’ll see your Ethereum address.3. Send your Ethereum from MetaMask to Binance
After you’ve copied your Ethereum address from Binance, open your MetaMask wallet.
Next, enter your MetaMask password to unlock your wallet.
Once you’re on MetaMask, select the “Ethereum Mainnet” network.
Now, you’ll see your Ethereum balance and 3 icons.
The 3 icons are “Buy”, “Send”, and “Swap”.
Now, you need to paste your Ethereum address from Binance.
On the page, you’ll see a “Search, public address (0x), or ENS” field.
On the field, paste your Binance Ethereum address from step #2.
After you’ve pasted your Ethereum address from Binance, you’ll land on the sending page.
In addition, you’ll see a tick at the top of the page.
The tick indicates that the address that you’ve pasted is valid.
The sending page has a couple of fields including “Asset” and “Amount”.
Firstly, make sure that “ETH” is selected in the “Asset” field.
Next, enter the amount of Ethereum that you want to send to Binance in the “Amount” field.
The withdrawal process will typically take about 30 minutes to complete.4. Sell your Ethereum on Binance
Now that you’ve sent your Ethereum from MetaMask to Binance, you need to sell it for fiat money.
That way, you’ll be able to send your fiat money on Binance to your bank account.
Once you’re on the selling page, select “ETH” on the “Spend” field.
Secondly, enter the amount of Ethereum that you want to sell.
Thirdly, select the currency that you want to receive in the “Receive” field.
For example, if you live in Europe, select the “EUR” currency.5. Withdraw your money from Binance to your bank
Now that you’ve sold your Ethereum for fiat money on Binance, you’ll be able to withdraw it to your bank account.
On your fiat and spot wallet, you’ll see your fiat and cryptocurrency balances.
Here’s what you need to do to withdraw your money to your bank account:
This includes entering a 6-digit code that is sent to your phone number.
After you’ve completed the security verification, you’ll see an “Order Submitted” pop-up.
This means that you’ve successfully withdrawn money from Binance to your bank account!
The withdrawal process will typically take 5 minutes if you’ve selected the “Bank Card” payment method.
However, if you’re using a payment method like SWIFT, it can take 1 to 4 business days for the money to arrive in your bank account.Conclusion
If you want to withdraw money from MetaMask to your bank account in the future, you need to send your Ethereum to Binance first.
Then, you’ll be able to sell your Ethereum for fiat money and transfer it to your bank account.
Keep in mind that every transaction you make involves a fee.
Hence, it’s a good idea to withdraw your money from MetaMask to your bank account only if you want to sell a lot of Ethereum.
Whenever you’re sending Ethereum from MetaMask, make sure that you’ve entered the right address.
Otherwise, your Ethereum may be lost forever.Further reading
How to Create a Binance Account
How to Make a MetaMask Wallet
Best Binance Referral ID Code in 2023
Apple Music has become a viable competitor to Spotify and similar streaming services, especially when it comes to account sharing. Using that option, you can share your subscription with friends and family so that everyone can access their version of the music streaming service. Here we show you how to share Apple Music via Family Sharing, a feature built into every Apple-made device.Who Can Share Apple Music Using Family Sharing?
Before we proceed further, there’s something important for you to consider. Not every Apple Music account can use Family Sharing, as you must have a “Family” subscription to Apple Music (priced at $14.99/month) to use Family Sharing. This is not applicable for “Student” or “Individual” subscription plans.
Alternatively, Apple One lets you subscribe to Apple Music (and a bunch of other services). However, to use Family Sharing, you need either a “Family” ($19.95/month) or a “Premier” account ($29.95/month).
Subscribers to the applicable Apple One plans can share Apple Music with up to five individuals. Those directly subscribed to the Apple Music Family plan can share their subscription with up to six individuals.Set Up Family Sharing
As soon as you set up Family Sharing on your iPhone or iPhone, you can start to share eligible Apple digital services, and that includes Apple Music. Here is what you need to do:
1. On your iPhone or iPad, launch the Settings app. Tap on your name, which should be visible at the top of your device’s screen.
2. Select “Family Sharing.” If you haven’t used that feature before, you’ll see an option to “Set Up Your Family.” Your device will now display which services you’re allowed to share, and Apple Music should be there.
3. During the last step of setting up Family Share, you’ll get to invite people. Select the “Invite People” option, then choose how you’d like to share your invitation. It can be done via a text message, email, AirDrop, or in-person.
From this moment on, you have started sharing your Apple Music subscription. However, for others to start using this streaming service, they need to accept your invitation. Once they tap on “Join Family,” they’ll get access to Apple Music and any other service.How to Share Apple Music by Adding New Members to Your Family Sharing Group
Now that you have set up your Family Sharing group, you can delete or add new members to it. If you decide to share your Apple Music with someone at a later time, do the following:
1. On your iPhone or iPad, navigate to the Settings app. Select you name at the top and pick “Family Sharing” among the options present on your screen.
2. At this moment, you’ll see your Family Sharing group. To add someone else to that group, select “+ Add Member.” A setup screen will appear giving you an overview of how many “free slots” are left in your subscription.
3. Tap “Invite People,” and choose how you’d like to send your invitation (you can do that via a message, email, or AirDrop). The recipient will need to interact with your invitation, activating their account along the way. That’s it!Wrapping Up
That would be all on how to share Apple Music via Family Sharing. For more on Apple Music, here’s how to create your own radio station in Apple Music, as well as download Apple Music songs for offline listening.
Isaac is a freelance writer with over a decade of experience covering the latest technological innovations. Mainly focused on Apple-related software and hardware systems, his aspiration is to explore all the ways today’s digital world intertwines with our everyday life.
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Minecraft, a Mojang Studios creation known as one of the best video games in history, allows its users to create a wide range of Worlds. However, the problem arises when users want to shift Minecraft World to another device.
In this tutorial, we will discuss ways how a Minecraft World can be transferred to another device. Since the Worlds are saved on the computer rather than on the players’ accounts, players perceive the whole process as complicated; however, in this post, we’ll quickly understand how simple it is.Can I transfer my Minecraft world to another PC?
Yes, we can easily transfer our Minecraft world to another using a simple procedure, depending on the version you are using. If we are using Java Edition, we need to copy the world, save it on the PC the world should be transferred to, and then add it there. Whereas, Bedrock users can use the UI and export and import words. To know more about these versions, go to their respective section below.Transfer a Minecraft World to another device
There are various Minecraft versions with distinct procedures for transferring the world. By knowing the procedure to transfer a world from one computer to another, you can not only add your friend’s world on your computer but also use the world on your old computer.
To transfer a Minecraft world to another device without any complicated steps, go to the Minecraft version you are using and follow the mentioned steps.
Let us talk about each one of them in detail.How to transfer Minecraft Java Edition World to another device
For a lot of people, transferring Minecraft world to another device on the Java edition can be a bit challenging, however, knowing the location of the world, makes this task easier to accomplish. Transferring the world in Minecraft is a two-step procedure.
Navigate to the game directory and copy the folder
Copy the folder and paste it on another device.
Let us talk about both these steps in detailNavigate to the game directory and copy the folder Copy the folder and paste it on another device
Read: Where are Minecraft Worlds saved on Windows PC?How to migrate Minecraft Bedrock Edition World to another device
The Minecraft Bedrock Edition is a cross-multiplayer platform that promises smooth gameplay, even on lower-end machines. One of the best things about Minecraft Bedrock edition is the UI, which is pretty simple and feature-rich. Transferring the World in Bedrock edition is pretty simple, here’s how to do the same:
Launch Minecraft and navigate toward the settings of the world that you want to transfer.
Install the game on the device, launch the game, and select the arrow option beside the create option.
A file explorer page will appear where all the Old World will be mentioned, import it, and the transfer process is completed.
Once done, restart the game and launch it, you will be able to find the exported world.
Read: How to restore previously deleted Minecraft WorldsTransfer Minecraft World to another device using a realm
We can also use Minecraft Realm to transfer World, if the free realm trail is available for us, we can use that for the job. All we need to make sure of is that both Minecraft edition and Xbox live account should be the same on the devices that you are transferring from and to. Here’s how you can do the same:
Launch Minecraft and go to its Minecraft Realm menu.
Select the World that you want to transfer, wait for it to be uploaded, and then select Let’s go.
The World will be transferred to your new device.
Also Read: Fix Minecraft unable to connect to world in Windows.
Free Cash Flow to Equity (FCFE)
The amount of cash a business generates that is available to be potentially distributed to shareholders
Published June 1, 2023
Updated July 7, 2023What is Free Cash Flow to Equity (FCFE)?
Free cash flow to equity (FCFE) is the amount of cash a business generates that is available to be potentially distributed to shareholders. It is calculated as Cash from Operations less Capital Expenditures plus net debt issued. This guide will provide a detailed explanation of why it’s important and how to calculate it, along with several examples.FCFE Formula
Let’s look at how to calculate Free Cash Flow to Equity (FCFE) by examining the formula. It can easily be derived from a company’s Statement of Cash Flows.
Below is a screenshot of Amazon’s 2024 annual report and statement of cash flows, which can be used to calculate free cash flow to equity for years 2014 – 2024.
As you can see in the image above, the calculation for each year is as follows:
2014: 6,842 – 4,893 + 6,359 – 513 = 7,795
2024: 11,920 – 4,589 + 353 – 1,652 = 6,032
2024: 16,443 – 6,737 + 621 – 354 = 9,973Free Cash Flow to Equity Analysis
As you can see in the figures below, the company has a clearly laid out Statement of Cash Flows, which includes three sections: Operations, Investments, and Financing.
In 2023, the company reported cash from operations of $23,350 million, spent $500 million on purchasing property, plant, and equipment (PP&E) and issued no new debt, which results in an FCFE of $22,850 million.
In 2014, the numbers tell a very different story, the company reported cash from operations of -$5,490 million, spent $40,400 million on purchasing property, plant, and equipment (PP&E) and issued $18,500 million of debt, which results in an FCFE of -$27,390 million.
Since equity investors must fund the purchase of such assets, the Free Cash Flow to Equity figure must account for this.FCFE vs FCFF
FCFF stands for Free Cash Flow to the Firm and represents the cash flow that’s available to all investors in the business (both debt and equity).
The only real difference between the two is interest expense and their impact on taxes. Assuming a company has some debt, its FCFF will be higher than FCFE by the after-tax cost of debt amount.
To learn more about FCFF and how to calculate it, read CFI’s Ultimate Cash Flow Guide.Usage in Valuation
When valuing a company, it’s important to distinguish between the Enterprise Value and Equity Value. The Enterprise Value is the value of the entire business without taking its capital structure into account. Equity Value is the value attributable to shareholders, which includes any excess cash and exclude all debt and financial obligations.
The type of value you’re trying to arrive at will determine which cash flow metric you should use.
Use FCFE to calculate the net present value (NPV) of equity.
Use FCFF to calculate the net present value (NPV) of the enterprise.
As you can see in the image above from CFI’s LBO Financial Modeling Course, an analyst can build a schedule for both Firm-wide and Equity-only cash flows.How to Calculate FCFE
Here are a couple of ways you can arrive at FCFE Formula from different Income Statement Items:
How to Calculate FCFE from Net Income
How to Calculate FCFE from EBIT
How to Calculate FCFE from CFO
How to Calculate FCFE from EBITDAAdditional Resources
Thank you for reading this guide to FCFE and why it’s an important metric in corporate finance. To continue developing your career as an analyst, please check out these supplemental resources:
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