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Copilot Money

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Earnest: Take Control of Your Student Loans [Sponsor]

Did you know you can refinance your student loans, save thousands, and make your new loan incredibly easy to manage? Our sponsor this week, Earnest, has created the most flexible refinancing experience to help financially responsible grads take control of their student loans, at earnest.com.

Their product helps clients save an average of almost $18,000, with variable rates starting as low as 2.13% APR. Earnest never charges any fees — so no fees for origination, and no penalties for paying off your loan quickly or changing your terms down the line. They let you customize your payment to match your budget and timeline, and their simple dashboard makes it easy to manage your loan – even from your phone.

Earnest can do this because they’re a new kind of lender — one that looks at things traditional banks don’t, like your savings habits and earnings potential — to give you the lowest possible rates. And even better, their expert in-house customer service team is available via phone, email, and chat for the life of your loan.

It takes less than two minutes to find out how much you could save, and they even have a special offer for our readers: get a $150 bonus when you refinance through earnest.com/macstories.

Don’t get stuck paying more than you have to — check out earnest.com/macstories and take two minutes to see your personalized rate estimate today.

Our thanks to Earnest for sponsoring MacStories this week.


Jobs, Healthcare, and the Apple Watch

Tim Bajarin, writing for TIME:

I recently spent time with Apple executives involved with the Watch. I asked them to explain the real motivation for creating the device. Although Apple has made fashion and design a key cornerstone of its existence, it turns out that this was not at the heart of why they created this product.

The late Apple CEO Steve Jobs developed pancreatic cancer in 2004. He then spent a great deal of time with doctors and the healthcare system until his death in 2011. While that personal health journey had a great impact on Jobs personally, it turns out that it affected Apple’s top management, too. During this time, Jobs discovered how disjointed the healthcare system can be. He took on the task of trying to bring some digital order to various aspects of the healthcare system, especially the connection between patients, their data, and their healthcare providers.

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Gemini 2 Trims More Fat from Your Mac Than Ever Before

Just as hard drives seemed to get so big that you couldn’t possibly fill one, laptops and many desktops switched to SSD storage, which is fast, but comes in much smaller capacities. Suddenly, storage seemed to fill up faster than ever and file management was important again.

One way I’ve dealt with the new reality of SSD storage is by running Gemini, a Mac utility from MacPaw that helps you reclaim precious storage on your Mac by detecting duplicate files. Today, MacPaw released Gemini 2, which introduces a cleaner, more modern design that no longer mimics an outdated version of iTunes. But the changes to Gemini are more than skin deep. MacPaw also extended Gemini’s functionality by adding the ability to detect similar files, which you may want to discard to save even more space on your Mac.

With a name like Gemini, I figured, what better way to put it through its paces than to run both versions side by side to see what each could find in my 176 GB Dropbox folder. The results were impressive. Gemini 2 beat its predecessor by finding 1.23 GB of duplicates to Gemini’s 555 MB. Gemini 2 also found an additional 1.24 GB of similar files – a clear win for Gemini 2. To get a better idea of how Gemini 2 found potential storage savings almost five times greater its predecessor, I dug deeper into the results.

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INKS Review: Painting with Pinball

For a game to improve on its predecessors, it has to do something that none have done before it. This can be a tricky task, however – adding or eliminating one thing can be cause for uproar.

INKS is a game of pinball, but in a way that completely breaks the mold. Its improvement on the classic pinball game genre is evident and revolutionary enough to demand attention.

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Linky 5.3 Adds ‘Markup’ Feature for Image Annotations

Linky's new Markup mode.

Linky’s new Markup mode.

I’ve been using Linky for a few years now to share images, links, and app deals to Twitter. The app has a powerful share sheet with support for multiple Twitter accounts, and its developer introduced clever additions such as textshots and suggested images when sharing from the web. It’s a solid app that comes in handy every day.

Today, Linky has reached version 5.3, which brings compatibility with Twitter’s accessible image captions (useful for textshots) and a new Markup option to edit and annotate images before sharing them.

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Building a Photography Workflow with the iPad Pro

Perhaps it should have been obvious to me — and maybe it’s always been obvious to you — but I’m just now realizing that the more and more I embrace each creative process, the less time I want to give to anything but the act of creating. Over time I begin to build negative associations with each creative act, mentally, but it’s not because of the ‘art’ itself; it’s because of all the work I put into a thing after the component I love most is over and done with.

These realizations have led me to try and create ‘less workflow’ in my life, not just in writing, but across the board. For photography, that means if I innately desire more than anything else to just shoot, then I need to learn more about composing and ‘editing’ in camera, and being happy with the result.

So, I’ve begun building a new way of processing photos using only the device I love — the iPad Pro — but it’s been a challenge.

Drew Coffman has been trying to rebuild his established photography workflow on an iPad Pro. His post has a good rundown of photo editing apps (with a final pick I didn’t know), but, more importantly, it highlights how iOS still needs improvements for basic tasks such as bulk editing and exporting.

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Tweetbot 4.3 Introduces ‘Topics’ for Easier Tweetstorm Creation

A topic in the new Tweetbot 4.3.

A topic in the new Tweetbot 4.3.

Picture this: it’s WWDC keynote day and you’re following the event. You want to live tweet as the event unfolds. What do you do?

The answer is that, so far, Twitter the company has mostly failed to provide users with ways to rapidly tweet commentary and have tweets intelligently grouped together once an event is over. Sure, you could append the same hashtag to every tweet, “tagging it” for context, but that wouldn’t fix the underlying problem of a bunch of messages related to the same event and yet treated as atomic units with no relationship between them.

Thus Twitter the community came up with the idea of the tweetstorm, a clever workaround based on how Twitter threads work. If you want to post multiple tweets in a row and establish a thread between them from start to finish, reply to your own tweet, removing your username at the beginning of the message, and you’ll “fake” a series of topical tweets which Twitter sees as part of a conversation…with yourself. It’s not the most elegant solution, and it doesn’t work well for rapid fire live tweeting, but it sort of works and a lot of people use it by now.

Tweetbot, the excellent Twitter client developed by Tapbots which relaunched with version 4.0 in October, is introducing an update today that fully embraces the concept of tweetstorms with a feature called “topics”.

Topics simplify the process of chaining tweets together with an intuitive interface that makes it look like Twitter rolled out support for topics. Under the hood, Tapbots is still leveraging the aforementioned @reply workaround, but they’ve been clever enough to completely abstract that from the UI, building what is, quite possibly, one of the most ingenious Tweetbot features to date.

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Apple Music Introduces Student Subscription With 50% Discount

TechCrunch’s Sarah Perez reports that Apple has today introduced a new student subscription plan for Apple Music which cuts the cost of the subscription to just $4.99 per month.

The option isn’t just arriving in the U.S., though. Students in other countries, including the U.K., Germany, Denmark, Ireland, Australia, and New Zealand, will also be able to take advantage of the new membership option.

However, because Apple Music is priced slightly differently in other markets, the cost of the student membership will vary. But in all markets, it will be 50 percent off the standard subscription price.

This is a smart move to boost subscription numbers. At just $5 per month, Apple Music becomes a really good deal - even for cash-strapped students. The new student subscription plan is available from today, but it does require you to verify that you are a student.

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