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The US Economy Anticipates Slowdown Following May Jobs Report

Written by adminJune 10, 2019

Investors get slammed with bleak jobs report, and might be a sign of things to come.

On the heels of the limp report that hit the newswires this morning, JPMorgan Chase banking economist Jim Glassman had this to say, “This is a new era for the economy, you cannot expect to get 200,000 new jobs a month forever in a fully-employed economy and when the working age population is growing by 65,000.”

It would be a hard pill to swallow for investors, as well as the market to get used to the idea of an economic slowdown. This new reality is made manifest by the trade wars that hurt US businesses, an aging economy and tepid population growth.

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US Economy Sputters

Job growth slowed more than expected in May, while unemployment held steady at a 50-year low. The jobs gain was about 75,000, falling far short of the market forecast of 175,000. However, the loss of jobs in key sectors of the economy paint a far more drastic picture.

The six sectors that posted the largest jobs losses were non-durable goods, retail trade, transportation and warehousing, information, government, and repair and maintenance services.

The biggest loser was government, where 15,000 jobs were cut. The total loss of 19,000 jobs at the state and local level was partially offset by the 4,000 gain in hiring. This represents a swing of 34,000 lost jobs after 19,000 jobs were added in April. Now most of that progress has been wiped clean off the table.

The retail industry continues to bleed jobs, , posting a loss of 7,600 jobs in May, which is slightly better than March and April when the industry lost 14,800 and 13,600 jobs respectively. This brings the total jobs lost for the retail industry to 160,000 jobs since January 2017.

Taking in the big picture, a big concern was the steep cuts to prior job predictions. April’s predictions were cut to 224,000 from 263,000, and March’s numbers were revised to 153,000 from 189,000 previously. The average job gains came up to 151,000 over the past 3 months, which comes up short against the blistering 200,000 plus jobs created in the same time period in 2018.

Trade Wars to Blame for Slump

The report comes in the wake of escalating trade wars with Mexico and China. This has spooked markets and undermined the growth outlook. Some Wall Street economists say that this bleak jobs report is a sign that the end of the business cycle is approaching.

The US economy is close to approaching 10 years of sustained economic growth, but the six sectors that are declining only strengthen the argument that the economy is showing early signs of moving back into a recession state.

Strategists at Allianz flat out said in an email note that the US economy is near the end of its expansionary business cycle. The Dow Jones Industrial Average hopes to challenge this outlook, as it surged more than 270 points in early trading this morning in hopes that the trepidation in the labor market would encourage the Federal Reserve to cut interest rates.

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Written by adminJune 8, 2019

Business

If you’re one of the many who are in the beginning stages of opening your own business, you might be considering your options. One of those options may be whether or not you’d be successful at becoming a franchisee. If this is the case, there are several questions you must ask yourself before getting started. Of course, some are better candidates than others.

There’s a mindset that exists amongst potential franchisees that moving in this direction means they receive a ‘business-in-a-box’ so to speak. As if all the directions come with the toy, giving them a false sense of security. There’s much more to it than paying the fee and obtaining a loan from the bank. Let’s take a quick look at what qualities a successful franchisee must possess.

1) Give up the ego.

When you decide to start a franchise, it doesn’t matter how many years you have in the business or if you think you know more than your franchiser. Reality is, you are buying into their product and their system. Even though you get a stake in the success of the business, it still belongs to them, which means they make the rules of how it’s operated. To be a successful franchisee, you must consider if you’re okay doing things their way, even if it goes against what you think is the ‘right way’. If you don’t think you can handle that, it’s probably not for you.

2) Do you have a professional background?

A good franchisee candidate typically has a background in professional system-based work and performed well at what they did. It shows not only your professional nature, but that you have a high rate of success, even if you’ve had a disagreement with your boss. Those good in marketing, military veterans, and salesmen typically do well at becoming a franchisee.

3) Great at accepting feedback.

This goes along with number one. If you are good at following the rules and work well within a structured environment, you may be a good candidate. They do their best to refrain from conflict and don’t mind taking appropriate feedback to keep within the boundaries set by the franchiser.

4) Great hiring skills.

You are the most successful only when you surround yourself with the most qualified people for the job. Often times, franchisees only hire candidates that are just marginally qualified based upon the available capital. That may help the budget, but the system only works when the franchisees care as much about quality as they do quantity. Turning people down who aren’t quite right for the job helps the industry.

5) Knows how to market appropriately.

A lot of franchisees get too excited too soon. They set out to prove themselves and market too heavily without taking into consideration the fact that most don’t make a dime the first year. Odds are, you won’t be making money right off the bat, even under the most popular of brand umbrellas.

There are a lot of people who just aren’t right for becoming a franchisee. They jump right in without considering if they’re right for the job. It should be up to the franchiser to turn them down, but often they don’t choose the right candidate due to the financial windfall of franchising their business. If you stay smart with your money, know how to hire the right candidates, don’t overdo the marketing, and follow the rules well, you should be on your way to growing a successful business.

Written by adminJune 8, 2019

Real life

While you personally think you might have a good handle on money, marriage can complicate things a bit. What happens if your spouse has a completely different mindset towards money than you do? It can really spell disaster for your marriage. But most people don’t often see it as a challenge. They think having two incomes will make life easier. Not necessarily!

Elle from Couple Money, a finance blog she writes with her husband, also thought it would be a great thing for her finances. She learned a huge lesson very quickly. It turns out she was the big spender and her husband was a saver. It was a crash course for both of them to create a plan they could both get behind.

“Very quickly we discovered we had different ideas on money!” she says. “I came from a background where if you can afford the payments, you were good. My husband was much more conservative and cautious with money.”

Coming together to create a plan was ultimately in the best interest of their marriage. It even allowed them to save up a bit of money for a rainy-day fund. They actually took the time to communicate about their spending and work on a compromise. Sadly, many couples do not have that same level of communication when it comes to money.

Marriage and Money

There’s no doubt that two incomes are better than one, but that statistical advantage doesn’t matter if a couple can’t agree financially. 36% of couples say that their biggest stressor is money. This is according to a 2018 study from Ally Bank. Only 17% and 13% of people said health and family are their biggest stressors.

A lot of the problem, again, comes down to miscommunication. Engagements are a great time that involve a lot of planning. How many couples undergo financial counseling? Do they even talk about money or just make a bunch of assumptions about two incomes being better than one? It appears to be the later, as the number one cause of divorce in the U.S. is money.

According to another study from John Hancock, three-quarters of couples are actually confused and nervous about attempting to save money with their partner. 57% of people even try to avoid bringing up money on any time of monthly or weekly basis. They know it only leads to arguing and contention.

“Advance planning could provide a much-needed boost in financial security for those who unexpectedly end up alone at any phase of their lives,” says David Lynch, managing director for TD Ameritrade. “Considering divorce or the loss of a spouse is a smart addition to any long-term financial plan. It’s no different than planning for things like a major illness, disability or potential long-term care needs.”

Written by adminJune 8, 2019

Saving

Managing your finances can be a difficult process and even overwhelming. Many people don’t do it at all, but rather just ‘wing it’ throughout the month. Sadly, that is what leads to many expensive complications that can hinder your financial health. In reality, if you take the next month and decide to focus your attention on fixing your finances, you will be good to go.

“If you outline a 12 month or 24-month plan, often times you will be discouraged,” says April Lewis-Parks, director of education at Consolidated Credit. “It’s not small enough to see progress right away. In a short amount of time, they can see progress and understand the different steps that need to happen to get to the next level financially.”

Here’s how to budget out your money through the month.

Day 1 – Day 5: Budget!

The first real step in fixing your finances is taking the time to budget. You really need to lay out what you’re working with. Look at your monthly income. Go through every dime that you spend each month. Use an Excel or Google spreadsheet to write down every bill and every expense, down to the subscription or coffee you get at Starbucks.

By doing this, you’ll get a clear picture of your financial health. Are you spending more than you’re making? Can you find a way to save money? Look for things to cut out of your budget to give yourself more room. If you’re not saving money, you’re setting yourself up for failure in the long run, especially if you lose your job or things go downhill.

Day 6 – Day 10: Saving!

The greatest goal you can have is to save at least 10% of your monthly income after paying for essentials. Put it into a savings account for a rainy day. If you want to truly be prepared for an emergency, the best word of wisdom is to have at least six months’ worth of expenses saved in case of an emergency.

Day 11 – Day 14: Determine Basic Changes

There are ways to cut down on your spending you may not even realize. There are a lot of small basic things you can do that add up to big savings. For example, switch out your light bulbs for something more efficient. Keep your heating and cooling during the extreme weather months set a better setting and turn off at night. Clean out your dryer vents. Cut the cable bill.

Day 15 – Day 17: Banking Needs

As you get through you month, you need to take notice at your banking habits. You might be paying extra fees you don’t realize every month. You can determine how your direct deposits every month are divided so a certain percentage goes towards bills, a savings account, and spending.

Day 18 – Day 20: Healthcare Needs

Your healthcare should be a priority. Sadly, many Americans skip this crucial step, mainly because they don’t think they can afford it. It can really hurt you in the long run. Also, there might be ways to lower your health care cost. Do the research. Look at your premiums. Consider what you’re paying out of pocket. It’s all part of the process.

Day 21 – Day 23: Manage Your Credit

A massive part of financial health is managing your credit. You should know what your credit score is. Having a bad credit score can make things a bit more expensive. Your monthly payments on things like a mortgage and auto loan can be less expensive if you have a good score. If you improve your credit, you can refinance your loans to make monthly payments cheaper.

Day 24 – Day 28: Manage Your Debt

If you have debt, the goal should be to pay it down as much as possible. Whatever you’re not stashing away for savings should be going towards your debt. If you want to gain financial freedom, you can’t do it sitting on a pile of owed debt.

Day 28 – Day 30: Prepare for Retirement

You might be thinking “Wow, this is more money I don’t get to spend,” but you really will get to spend it. It can take most of your working life to save enough to survive your golden years. Unless you want to work until you’re 80, start saving now.

Written by adminJune 8, 2019

Student Loan Consolidation

Every year, many college-going students apply for FAFSA, the Free Application for Federal Student Aid, to help them pay for tuition. If you’re someone who qualifies and would like to receive this student aid, then your deadline each year is June 30^th. You have until the end of this month to get yours in if you want to be accepted for financial aid.

Many students often complain about how long it takes to fill out the FAFSA application, but the application actually opens up on October 1^st on the previous year. That means you could’ve had your application in for 2019 in October of 2018. You’d think students were prudent and did a great job on getting their application in early, but sadly, that’s not what happens.

Students often wait too long to submit their FAFSA. They hold onto it until the deadline or even later. They put it off until the last minute and it can mess with their eligibility. If you’re a high school senior this year (2019) and plan on going to college in 2020, you should apply for FAFSA this October during your high school senior year.

Benefits of the FAFSA

There are several available federal grants available to low-income students who could use the help paying for college. One is the Pell Grant. It can offer thousands of dollars in aid towards those who need it the most. Still, in order to qualify, the student must always remember the deadlines and fill in a timely manner. Not doing so can risk thousands in funding.

Beyond federal student aid, every state has their own grants and scholarships. Each state handles their programs differently and can have a different deadline than the federal one. That means you must juggle between both state and federal deadlines to apply for FAFSA benefits. Some states expect your FAFSA to be turned in by November, which means you only have a few months to get it in.

Still, even if you miss the deadline, there’s still hope for you. The goal should always be to stay proactive and on top of your deadlines. There’s no reason whatsoever to wait and potentially lose out.

“Unless you missed the June 30th deadline for FAFSA, opportunities for limited aid (Pell Grants and Federal Loans) should still be there as long as the student remains enrolled at least half-time and meet all other requirements,” Marty Somero, director of financial aid at the University of Northern Colorado, wrote in an email. “A student should certainly check with their school on any exceptions to missed deadlines, especially if there were true extenuating circumstances such as a death of a parent.”

Other Circumstances

There may be legitimate reasons why a FAFSA isn’t filled out in time and you miss the deadline. In those cases, you will be allowed to file past the deadline. The problem in a lot of cases is ensuring you’re ready to go at the start of classes. Most institutions won’t let you begin until your complete tuition is covered in some capacity, either with grants or student loans.

“It takes a little time for the college to take that FAFSA and turn that into money for the student on the first day of class. You don’t want to delay. If you didn’t file your FAFSA before the start of class or not too soon before the start of class, you don’t want that to impact your ability to register for classes or actually attend,” Shank says.

“Earlier is always better,” he says. “The best time to start thinking about it is when the FAFSA opens the prior fall. Many individuals are first-generation college students, so it gives them more time to understand the types of questions that will be on the FAFSA. It gives you time to get your FSA ID created, and then if you do run into any troubles, there are a number of places you can reach out to that can help you, and there’s still time before your state filing deadline.” The FSA ID is a username and password that must be created to fill out and sign the FAFSA online.

There are other benefits to filing early.

“Something that I’ve seen with the families I work with is just the peace of mind that comes with meeting the deadlines,” Blontz wrote in an email. “Do you need to complete financial aid forms the week of Oct. 1? No, that’s not necessary. Is it nice to have all of your requirements in before Thanksgiving, even if you are not considering early action or early decision? Absolutely.”

Be sure to check with your college’s financial office to see when your state deadlines are for turning in your FAFSA. The best course of action is to get it done quickly so you don’t have to worry about it later.

Written by adminJune 8, 2019

Politics

As we finish the tax cycle for 2018 and the final numbers are coming out, we get a clear picture of how the economy is improving. According to the IRS, they pulled in an additional $93 billion in tax revenue compared to 2017. You might be asking yourself how this is possible if the tax cuts really helped Americans.

In fact, most Americans did receive some type of tax cut. It largely went unnoticed. After the Tax Cuts and Jobs Act was passed, the IRS asked Americans to update withholdings to accommodate the law. Very few actually did, so they were shocked when tax time came. In a lot of cases, they ended up owing where a year before they received a refund.

That doesn’t mean the tax cuts didn’t work. It means people received more money in their pay and less was taken out for taxes than the previous year. That changes things. Refunds are simply the government paying you back for taking more of your money throughout the year than they should’ve. Yet, many were angry that their refunds were smaller.

Considering also that refunds also increased this year, there’s another reason for this growth. Most of it has to do with the stellar job market that sees a record number of Americans employed. The IRS processed 1.5% more returns than it did the previous year. That’s a lot of extra dough coming into the treasury.

Adding Up the Numbers

The total amount of gross collections towards the treasury for 2018 is $1.97 trillion. That’s up from the $1.87 trillion the year before. That’s a difference of $386 billion in additional revenue thanks to the tax cuts. Something special has to be going on for the U.S. government to cut taxes and make more money.

Large businesses paid a lot less money as well. They paid $91 billion less than in 2017, which is a significant cut. It’s obvious most of that money went right back into hiring new employees and improving the business. So far, the Democrats have largely blasted the tax cuts, saying the opposite would happen, that the deficit would only grow. Apparently, they were wrong.

Democrats Angry

Still, the Dems continued to criticize the tax cuts to try and make it seem as if they weren’t helping Americans. 40 Democrats in the Senate even tried to make it seem as if people who were surprised at their tax refund situation were getting screwed by the president’s plan.

“It looks like the Trump Treasury Department spent 2018, an election year, goosing people’s paychecks by under-withholding, and it should have been obvious that the bill would come due eventually,” Senate Finance Committee Ranking Member Ron Wyden (D-Ore.) said in a statement.

Senate Majority Leader Chuck Schumer (D-N.Y.) also hit the Trump administration over its tax policy: “Many Americans depend on their tax refund to pay bills and make ends meet – but this tax season, working families will see smaller than expected returns and surprise tax bills because the Trump administration used smoke and mirrors in a shallow attempt to exaggerate the impact of their tax law on middle class families for political reasons.

At first, refunds on average were down a staggering 17%, before slowly creeping upward and remaining relatively flat. According to the most recent statistics from the IRS, by the beginning of May, individual income tax returns on average were down 1.6% when compared to the year prior. (And as always, some states are better than others for taxpayers.)”

At least no one can now say that tax cuts don’t trickle down and help out the rest of the economy. It appears as if, at least this time, it has.

Written by adminJune 8, 2019

Student Loan Consolidation

Not everyone enjoys the college lifestyle. After graduating from high school, many people go for their freshman year of college, but don’t return for their sophomore year. In fact, the National Center for Education Statistics says that only 81% of students return for their sophomore year. That’s a staggering drop! Community colleges have it even worse. Only 62% of students return the next year.

College can present many obstacles that force people to make tough decisions. It’s harder than anyone thinks to go to college full-time while at the same time working, making money, and keeping up with bills. During this time, student loan debt is accumulating wildly. Attempting to get a degree is a massive struggle that cause many to simply drop out and give up.

Even so, regardless of if you drop out or continue until the end, you’re responsible for the debt you incurred while at college. It means those courses were a waste of money that do nothing to improve your life and now you’re in debt trying to pay it off. Dropping out of college is never a good idea. There’s another reason why this is so.

College Degrees and Financial Freedom

While less people are enrolling into college these days, the benefits of getting a degree are still massive. People with a degree make a lot more money in their lifetime than those who don’t. If you drop out before getting your degree, you’re still on a path towards making less money. That means you’re stuck trying to pay the debt you incurred while not realizing your full potential financially.

The Urban Institute found that 42% of people who carry student debt have an associate degree or lower. While they have much less student debt than those who completed their courses, they are at a higher change of defaulting on their loans. That’s because they’re making significantly less money than those who have a 4-year degree or higher.

Defaulting on your student loans is not a path you should take. It will seriously cripple you financially by damaging your credit score and making it nearly impossible to do other things like buying a home or a car. If it gets bad enough, the lenders will garnish your wages and steal your tax refund until it’s paid off.

Taking Care of the Problem

If you think you’ve bitten off more than you can chew and are ready to drop-out, there are ways to handle it. There’s a process called exit counseling. Most students who have federal student loans are required to do this if they want to drop out. Exit counseling allows for the student to learn about all of their repayment options so when they do quit, they are prepared.

You do have a six-month grace period after you leave school. That will help you get on your feet without having to worry about student debt. But, whether you’re ready for it or not, that six-month grace period will end and you’ll be responsible for your loan. You could delay it even more with deferment, but your interest will still accumulate and it will increase your debt further.

Interest also accumulates during the grace period. That’s why you should start making interest payments immediately. Waiting until the grace period is over will also grow the debt you owe, making it more difficult to handle. It’s going to require you to be completely responsible and on your game.

Written by adminJune 3, 2019

Saving

There’s a new sheriff in town when it comes to savings account interest rates.

If you’re looking to build up an emergency fund, look no further than Wealthfront, a fintech company that provides their customers with automated investment options and financial planning.

Just this past week, they have raised their interest rates offered on their high-yield cash account to 2.51%.

Call Now 844-332-2079

The national average savings account interest rate for traditional financial institutions is between 0.01% and 0.09%. With 2.5% APY, Wealthfront’s cash accounts get to work right away, earning you the highest interest rate in the market, almost 25 times above the national average.

To put this into perspective, you can expect to earn $25 in interest a year with the current rate for every $1000 that you deposit with Wealthfront. it’s a secure place to grow your cash and reach your short-term goals faster, so don’t leave money on the table.

What To Expect

Wealthfront was established in February this year, and to reassure their clients here are some of their key promises:

FDIC insurance of up to $1 million, which is four times the amount that traditional banks provide.
No market risk, as your cash is kept outside the stock markets, avoiding short-term volatility.
Unlimited, free transfers so you can move money in and out of your account as many times as you want.
No advisory or management fees. So you can earn more and keep more.
Fast and easy setup, all it takes is a couple of minutes to open an account from your phone.
$1 minimum deposit, no additional deposit requirements.

In addition to all these advantages, you also don’t have to be a current customer of Wealthfront to sign up for this savings account. The sign up process is seamless, akin to the Marcus by Goldman Sachs (2.25%) and Ally Bank (2.2%), two popular alternatives that also offer above-average interest rates.

How It’s Done

Wealthfront has already announced on their site that they have earned their clients over $5 million in interest since the cash account launched half a year ago.

To fulfill their promise of FDIC insurance, Wealthfront actually holds your savings at partner banks. Once your cash is at the partner bank, the insurance kicks in so you are assured your money is safe.

To make a profit, Wealthfront takes a small portion of the interest and keeps costs low by using automation. The interest on the account compounds monthly as interest is accrued on a daily basis.

The Competitive Edge

Online banks and fintech companies like Wealthfront are pulling far ahead of the competition when it comes to savings account interest rates. On average, their rates are six times higher than local banks and credit unions.

Depending on your state, the difference can surprise you. Oklahoma offers the highest average interest at 0.39%, and Arkansas banks offering the lowest rates at 0.13%.

Having your company presence all online also makes a difference when you can do everything from the comfort of your phone. Wealthfront doesn’t have any tellers, but you can call or email with questions. And Marcus by Goldman Sachs offers a live chat with a savings specialist that’s open seven days a week.

In the near future, Wealthfront clients can also look forward to updated deposit features including debit card and ATM access, direct deposit, and mobile check deposits.

If you want to build up emergency savings then an online savings account is the way to go. If you want some extra input you can always give the Financial Helpers a call.

Call Now 844-332-2079

Written by adminJune 3, 2019

Politics

You may be wondering where does former Vice President Joe Biden stand on student loan debt? Most polls show that he’s a clear front-runner – but he has not said much about the student loan debt crisis. Here’s what we know:

Free College?

Biden indicated that he supported the concept of free college, saying, “We need to commit to 16 years of free public education for all our children… We all know that 12 years of public education is not enough. As a nation, let’s make the same commitment to a college education today that we made to a high school education 100 years ago.” However, he did not offer a plan or any specifics to implement it.

Biden’s History on the Topic

We have to look to Biden’s’ past to get a sense of where he has stood historically on the issue.

In 1998, Joe Biden supported a change that created an “undue hardship” standard for federal student loans, making it significantly more difficult for borrowers to discharge their federal student loans in bankruptcy. Biden continued to oppose efforts to loosen bankruptcy restrictions on student loans through 2001.
MOST RECENTLY: In 2005, Biden supported a change in the “bankruptcy code” by applying the “undue hardship” standard. Before this, student loan debt was not treated much differently than other forms of consumer debt in bankruptcy. After this change, private student loans started rapidly expanding across college campuses

As Vice President, Biden was part of an administration that created new programs and protections for student loan borrowers including Borrower Defense to Repayment and Pay As You Earn, as well as greater oversight of the for-profit college industry.

Until he releases more detailed policy proposals to tackle student loan debt, all we have to go on are his prior positions as a lawmaker. We’ll just have to wait and see what else he comes up with.

Written by adminJune 3, 2019

Life Style

It was the beginning of a new era. Digital music seemingly was born the day the first iPod was released along with iTunes. Instead of going to the local store to buy an entire CD, you could just download the music on your computer and your iPod to carry around with you. It revolutionized the music industry while causing a lot of controversy along the way.

Now, this era might be coming to an end. Nearly 20 years after the launch of iTunes, Apple is looking to replace it with a better program. In fact, Apple is going to announce this change today at the Worldwide Developers Conference in San Jose. They believe it’s time to retire iTunes and create something smoother and more in-tune with the modern listener.

While iTunes certainly changed the way we listen to music, it wasn’t perfect. There were a lot of outdated features Apple fans didn’t like. In turn, this change has been rumored for several years. Apple wants to implement a faster, sleeker, more modern version. They even want to separate the different functionalities that are currently combined on the iTunes platform, like movies, podcasts, and TV.

Apple’s Separate Platforms

Apple really wants to expand their brand. By taking iTunes and breaking it up into three different platforms, it will become a multifaceted entertainment company. It also will allow the three different areas to run smoothly and efficiently rather than all combined and bogging down the one. It also wants to expand other entertainment apps.

According to other rumors about Apple’s intent, they really want to beef up Messages, Mail, and Books, taking pages from Facebook, Amazon, Yahoo, and Google. They even want to start creating original content. They recently announced a new project starring Steve Carell and Reese Witherspoon.

While many people are cheering for the death of iTunes, ready for a better, faster system, it should get the credit it deserves for changing the entertainment world. In the early 2000’s, this platform was revolutionary and has stood the test of time where others have failed. At the time, Napster had the music industry on edge.

It was found that Napster was allowing users to illegally download music for free. It was definitely the new wave of the future, but after Napster went down, Apple came and filled the void. It took Napster’s formula of downloading single-file music entries and was a great compromise for musicians. Still, many bands to this day refuse to allow their music to be played on iTunes.

Bands like Metallica were against the platform for a long time. Tool, another popular rock band, still has not taken the leap, much to the dismay of fans. Microsoft and Sony put out their own versions, like the Zune, but they didn’t last very long. They didn’t seem to have the same creative edge that Apple seems to have had.

“(Microsoft and Sony) were technology companies that knew how to build disc players and hardware, but they weren’t companies that had demonstrated Apple’s sophistication with regard to the software,” Warner Music’s vice president Paul Vidich recalled to Rolling Stone in 2013, on the iTunes Store’s 10th anniversary. “It really took a company that was able to bridge those two things and come up with an attractive consumer product.”

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