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6bet999 bet A savings account is a useful place to allocate $30,000. ASX shares can help investors turn a $30,000 balance in a savings account into a cash machine while providing positives like , and . If $30,000 were sitting in a savings account, it would generate interest. But the capital value wouldn't change, and the income it pays would be stuck at that interest rate unless the RBA were to surprise and increase the interest rate again. Investing in ASX shares means owning a piece of companies that are doing their best to grow profit, increase the underlying value, and pay more cash to shareholders over the longer term. But I'm not suggesting that investors need to become expert stock pickers. We can utilise the power of exchange-traded funds (ETFs) to achieve the returns we're seeking. ETFs are funds we can buy on the ASX in a single transaction that own a basket of shares. Here are three ASX ETFs that could be more useful to own than having cash in the bank. VanEck Morningstar Australian Moat Income ETF ( ) This ETF invests in a portfolio of 25 high-quality, -paying ASX shares that have strong competitive advantages compared to others in the sector, allowing it to continue making large profits. has also delivered capital growth of 12% in the last year. This combination of dividends and possible capital growth can deliver pleasing returns, and that appeals to me more than a savings account. Some of the portfolio's underlying investments include ( ), ( ), ( ) and ( ). Vanguard MSCI Index International Shares ETF ( ) This is one of my favourite ETF investments because of its capability to give Aussies broad exposure to the global share market, which has been one of the best-performing asset classes over the past 10 years. Impressively, the VGS ETF has delivered an average and . With a low management fee and excellent diversification across a wide range of share markets from around the world, the VGS ETF is far more compelling to me than cash in the bank. I think this ETF can continue to and partly due to its diversification with more than 1,350 holdings. VanEck MSCI International Quality ETF ( ) Some investors may think that owning more than 1,300 global businesses is too many. So, why not just own the high-quality ones? The QUAL ETF screens out some of the lower global stocks from its portfolio and only owns shares in companies that make strong earnings for shareholders and have healthy levels of debt. Over the last 10 years, this ASX ETF has returned an average of 15.7% per year. It owns similar businesses to the VGS ETF but allocates more to them because it has fewer holdings — around 300 positions. This seems like a much more appealing option to me, with much more growth potential over the long term than having $30,000 cash in the bank.

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WASHINGTON (AP) — The Environmental Protection Agency enhanced enforcement efforts this year, doubling financial penalties issued to polluters and issuing the first-ever arrest for a climate change-related crime, the agency said in a report Thursday. The EPA said it concluded more than 1,850 civil cases, a 3.4% increase over 2023, and charged 121 criminal defendants, a 17.6% increase over the previous year. The “revitalized enforcement and compliance efforts" resulted in the reduction or elimination of more than 225 million pounds of pollution in overburdened communities, the agency said in its final report on Biden-era enforcement actions before President-elect Donald Trump takes office in January. The agency said it issued $1.7 billion in fines and penalties, more than double the 2023 total and the highest level in seven years. Bolstered by 300 new employees hired since last year, the enforcement program focused on “21st century environmental challenges," including climate change, environmental justice and chemical waste, said David Uhlmann, EPA's assistant administrator for enforcement and compliance assurance. More than half the agency’s inspections and settlements involved poor and disadvantaged communities long scarred by pollution, reflecting the Biden administration’s emphasis on environmental justice issues . Enforcement efforts included first-ever criminal charges for a climate change-related crime. A California man was charged in March with smuggling climate-damaging air coolants into the United States. The case involved hydrofluorocarbons, a highly potent greenhouse gas also known as HFCs, a gas once commonly used in refrigerators and air conditioners. A 2020 law passed by Congress prohibits importation of HFCs without allowances issued by the EPA. The law is part of a global phaseout designed to slow climate change. Uhlmann called enforcement of the HFC law a high priority for the United States and the world. “Alongside methane, HFCs are one of the most significant near-term drivers of climate change. And the criminal program is front and center there,'' he said. In other highlights, engine maker Cummins Inc. paid more than $2 billion in fines and penalties — and agreed to recall 600,000 Ram trucks — as part of a settlement with federal and California authorities. Cummins was found to use illegal software that let Ram trucks — manufactured by Stellantis — to skirt diesel emissions tests for nearly a decade. The fine is the largest ever secured under the federal Clean Air Act. The EPA and Justice Department also reached a $241.5 million settlement with Marathon Oil for alleged air quality violations at the company’s oil and gas operations on the Fort Berthold Indian Reservation in North Dakota. The settlement requires Marathon to reduce climate- and health-harming emissions from those facilities and will result in over 2.3 millions tons worth of pollution reduction, officials said. Uhlmann, who was confirmed as head of the enforcement office last year, said in an interview that with the help of a spending boost approved by Congress, the agency has made “consequential changes in how we approach enforcement at EPA.'' “We’ve revitalized an enforcement program that suffered more than a decade of budget cuts and was badly hampered by the (COVID-19) pandemic,'' he said. The agency also weathered a series of actions by former President Donald Trump’s administration to roll back environmental regulations and reduce overall staffing. “We’ve strengthened the partnership between the criminal and civil programs, and we’ve also focused on moving our cases with greater urgency so that we provide meaningful results to communities in time frames that make sense to the people who are harmed when unlawful pollution occurs,” Uhlmann said. With Trump set to return to the White House, Uhlmann said he hoped enforcement would not suffer, noting that a host of civil and criminal investigations begun in the past two years could bear fruit in 2025 and beyond. Trump, who has named former New York Rep. Lee Zeldin to be EPA administrator, has said he will again slash regulations and target what he calls onerous rules on power plants, factories and oil and natural gas production. Uhlmann declined to speculate on how enforcement will change under Trump but said, “Upholding the rule of law and making sure that polluters are held accountable and communities are protected from harmful pollution is not a partisan matter. We do enforcement at EPA based on the law, based on the facts, without regard to politics. “So, you know, communities should expect that EPA will continue to protect them from harmful pollution."

Bill Belichick casts heavy shadow over Fenway BowlRené Bennett | (TNS) Bankrate.com If you’re an iPhone user, you might not realize that you already have access to Apple Cash. It’s a digital cash card that’s built into Apple devices and can be found in the default Wallet app. (Note: You must link an eligible debit card to use this service.) The main function of Apple Cash is to make it easier for Apple device users to send money to one another, including sending money through the iMessage app. But Apple Cash is more than just a peer-to-peer (P2P) payment service — it can be used to shop online, in stores or to make in-app purchases. Apple Cash is a convenient way to transfer money between friends and family. Once it’s set up, a user can simply open the iMessage app and send money to a contact through their chat. It’s also useful for those who use Apple Pay, a separate service that allows Apple device users to make contactless payments with any linked card, including an Apple Cash card. Here are some important things to know about setting up and using Apple Cash. How Apple Cash works Apple Cash is a digital cash card that’s stored in the Wallet app of Apple devices, and it can be used for making P2P payments, as well as purchases through Apple Pay. When you receive money from another Apple Cash user, that money appears in your Apple Cash balance. The balance can then be spent or transferred to a linked bank account or debit card. Sending money to peers with Apple Cash can be done either directly from the digital Apple Cash card (in the Wallet app) or through the iMessage app. You can send or receive anywhere between $1 and $10,000 per message. The money shows up on the recipient’s Apple Cash card instantly, but it may take from one to three days for the balance to be transferred to a bank account. Instant transfers to a bank account are possible, but it comes with a 1.5% fee. There’s also an option to set up Apple Cash Family for children who are under 18 years old. This option limits the amount a child can send to $2,000 per message. Those younger than 18 also cannot add money to their Apple Cash card from a bank account; rather, their balance only grows when they receive money from another Apple Cash user. Difference between Apple Cash and Apple Pay Apple Cash is a digital card within your Wallet that allows you to spend your Apple Cash online, in stores and in apps as well send and receive money. Apple Pay, however, allows you to make purchases using any credit card or debit card you have stored in your Wallet — including Apple Cash. With Apple Pay, you add credit and debit cards to your Wallet and then have the ability to pay right with your phone (or other Apple product). How to use Apple Cash 1. Set up Apple Cash with a compatible device To set up Apple Cash, you’ll need three things: —A compatible Apple device. —Two-factor authentication enabled for your Apple ID (this can be done in Settings). —An eligible debit card to load funds onto the Apple Cash card. In the Settings app, you can turn on Apple Cash in the Wallet and Apple Pay section. Tap on the Apple Cash card icon and follow the instructions on the screen. You’ll be asked to agree to the terms and conditions, after which your device will set up Apple Cash for you. The Apple Cash card, once set up, can be found in your device’s Wallet app. If you want to set up Apple Cash Family, you’ll first need to have Family Sharing turned on, which can be done in Settings. The family organizer can add children to Apple Cash in the Family Sharing section of Settings. 2. Add money to your card You’ll need to have a debit card linked to your digital Wallet to add money to an Apple Cash card. You can add a debit card to Wallet in the same place where you set up Apple Cash — the Wallet and Apple Pay section of Settings. Once a debit card is linked to your Wallet, open Wallet and tap on the Apple Cash card. Then, tap the More button (an icon with three dots). This will open a page where you can see your Apple Cash balance, add money and transfer funds to a bank account. Tap Add Money and enter the amount you’d like to add (the minimum is $10). You’ll be asked to confirm which debit card you want to use to fund the Apple Cash balance, and then the money is added to the Apple Cash card. 3. Send a payment There are two ways to send a payment to someone using Apple Cash: directly from your Wallet or in the iMessage app. Both the sender and recipient need Apple Cash to send or receive money. From your Apple Wallet To send money from Wallet, simply tap the Apple Cash card in Wallet and then tap Send. Type in the contact name or phone number of the recipient. Enter the amount you’d like to send (between $1 and $10,000), then review the payment and confirm it with Face ID, Touch ID or a passcode. Via iMessages In iMessage, open the conversation with who you’d like to send money to, or start a new one. Tap on the app button, which appears next to the type bar, and then tap on the Apple Cash icon. You’ll be prompted to enter an amount (between $1 and $10,000). Once you’ve reviewed the amount, tap Send and confirm with Face ID, Touch ID or a passcode. The first time money is sent to someone, the recipient will need to accept the payment within seven days for it to go through. After the first instance, payments are automatically accepted. If you’re using Apple Cash to make a purchase either online or in a store, you’ll need to pay using Apple Pay. 4. Request money To request money from your iPhone, open the conversation in the Messages app. Tap the plus icon, followed by Apple Cash. Then, tap Request. Tap the send button to send your payment request. Once the request is sent, the person you sent it to can confirm or change the amount they send to you. You can also request money from your Apple watch. Open your messages app, choose a conversation, tap the plus icon and then choose Apple Cash. Once you enter the amount you are requesting, swipe left on the Send button. Tap Request. 5. Transfer your balance to a bank account As you start to accumulate money on the Apple Cash card, you may want to move it to a debit card or a bank account . This can be done by going to the same place where you added funds to the card, by clicking the icon with three dots next to your digital card. Related Articles Technology | Triple fatal Cybertruck crash in East Bay being reviewed by feds Technology | Home entertainment holiday gift ideas at a discount Technology | Are you tracking your health with a device? Here’s what could happen with the data Technology | How to get started with Bluesky Technology | 23andMe, tech companies disclose hundreds of Bay Area job cuts Enter an amount to be transferred, then tap Next. You’ll be asked whether you want to do an instant transfer (for a 1.5% fee) or a transfer in one to three business days for free. After making a selection, the screen will instruct you to set up a bank account if you don’t already have one set up. You’ll confirm the payment, and the transfer is initiated. Instant transfers can only be made to an eligible debit card, not a bank account. Money is sent within 30 minutes when you select instant transfer. Alternatives to Apple Cash —Zelle: If your bank is offers Zelle, it might be a good idea to take advantage of the P2P payment service. Zelle can be accessed directly from your bank’s mobile app, and it allows you to send instant transfers at no extra cost. —Venmo: Anyone can use Venmo, as long as they’ve downloaded the app. Unlike Apple Cash or Zelle, it’s a standalone P2P payment app. Venmo comes with a social element — users can follow each other and add fun emojis to their payments, although they can also keep their account activity private. —PayPal: This P2P payment service is a good option if you want to send money internationally. It also offers a PayPal Debit card, which, like the Apple Cash card, can be used to make purchases online or in stores. —Samsung Pay Cash: Samsung device users can use this option instead of Apple Cash. Similar to Apple Cash, it is a digital wallet that you can access from a Samsung mobile device. However, to take full advantage of Samsung Pay Cash, users will need to undergo an extra registration process to upgrade to a Full Card Account. Bottom line Apple Cash makes it easy for Apple device users to send money to each other. Users can simply tap the Apple Cash icon in their text messages to send money through iMessage. It can also be used as an extra repository for spending money and can be used for purchases anywhere Apple Pay is accepted. With that said, only Apple device users can send and receive money using Apple Cash, so those looking for a more universal payment service may want to consider other P2P payment apps . ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.Donald Trump is returning to the world stage. So is his trolling

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