Prudence is advised. Be debt-free. Be frugal. Spend less.

This advice sounds nice, but it rarely works.

Most people never learn these two money rules. Both approaches will impact how you see personal finance.

It may safeguard you from inflation or the inability to preserve money.

Let’s dive in.

#1: Making long-term debt your ally

High-interest debt hurts consumers. Many credit cards carry 25% yearly interest (or more), so always pay on time. Otherwise, you’re losing money.

Some low-interest debt is good. Especially when buying an appreciating asset with borrowed money.

Inflation helps you.

If you borrow $800,000 at 3% interest and invest it at 7%, you'll make $32,000 (4%).

As money loses value, fixed payments get cheaper. Your assets' value and cash flow rise.

The never-in-debt crowd doesn't know this. They lose money paying off mortgages and low-interest loans early when they could have bought assets instead.

#2: How To Buy Or Build Assets To Make Inflation Irrelevant

Dozens of studies demonstrate actual wage growth is static; $2.50 in 1964 was equivalent to $22.65 now.

These reports never give solutions unless they're selling gold.

But there is one.

Assets beat inflation.

$100 invested into the S&P 500 would have an inflation-adjusted return of 17,739.30%.

Likewise, you can build assets from nothing.  Doing is easy and quick. The returns can boost your income by 10% or more.

The people who obsess over inflation inadvertently make the problem worse for themselves.  They wait for The Big Crash to buy assets. Or they moan about debt clocks and spending bills instead of seeking a solution.

Conclusion

Being ultra-prudent is like playing golf with a putter to avoid hitting the ball into the water. Sure, you might not slice a drive into the pond. But, you aren’t going to play well either. Or have very much fun.

Money has rules.

Avoiding debt or investment risks will limit your rewards. Long-term, being too cautious hurts your finances.

Disclaimer: This article is for entertainment purposes only. It is not financial advice, always do your own research.

His regular regimen teaches stress management.

In 1995, an Indian graduate visited the US. He obtained a scholarship to Stanford after graduating from IIT with a silver medal. First flight. His ticket cost a year's income. His head was full.

Pichai Sundararajan is his full name. He became Google's CEO and a world leader. Mr. Pichai transformed technology and inspired millions to dream big.

This article reveals his daily schedule.

Mornings

While many of us dread Mondays, Mr. Pichai uses the day to contemplate.

A typical Indian morning. He awakens between 6:30 and 7 a.m. He avoids working out in the mornings.

Mr. Pichai oversees the internet, but he reads a real newspaper every morning.

Pichai mentioned that he usually enjoys a quiet breakfast during which he reads the news to get a good sense of what’s happening in the world. Pichai often has an omelet for breakfast and reads while doing so. The native of Chennai, India, continues to enjoy his daily cup of tea, which he describes as being “very English.”

Pichai starts his day. BuzzFeed's Mat Honan called the CEO Banana Republic dad.

Overthinking in the morning is a bad idea. It's crucial to clear our brains and give ourselves time in the morning before we hit traffic.

Mr. Pichai's morning ritual shows how to stay calm. Wharton Business School found that those who start the day calmly tend to stay that way. It's worth doing regularly.

And he didn't forget his roots.

Afternoons

He has a busy work schedule, as you can imagine. Running one of the world's largest firm takes time, energy, and effort. He prioritizes his work. Monitoring corporate performance and guaranteeing worker efficiency.

Sundar Pichai spends 7-8 hours a day to improve Google. He's noted for changing the company's culture. He wants to boost employee job satisfaction and performance.

His work won him recognition within the company.

Pichai received a 96% approval rating from Glassdoor users in 2017.

Mr. Pichai stresses work satisfaction. Each day is a new canvas for him to find ways to enrich people's job and personal lives.

His work offers countless lessons. According to several profiles and press sources, the Google CEO is a savvy negotiator. Mr. Pichai's success came from his strong personality, work ethic, discipline, simplicity, and hard labor.

Evenings

His evenings are spent with family after a busy day. Sundar Pichai's professional and personal lives are balanced. Sundar Pichai is a night owl who re-energizes about 9 p.m.

However, he claims to be most productive after 10 p.m., and he thinks doing a lot of work at that time is really useful. But he ensures he sleeps for around 7–8 hours every day. He enjoys long walks with his dog and enjoys watching NSDR on YouTube. It helps him in relaxing and sleep better.

His regular routine teaches us what? Work wisely, not hard, discipline, vision, etc. His stress management is key. Leading one of the world's largest firm with 85,000 employees is scary.

The pressure to achieve may ruin a day. Overworked employees are more likely to make mistakes or be angry with coworkers, according to the Family Work Institute. They can't handle daily problems, making the house more stressful than the office.

Walking your dog, having fun with friends, and having hobbies are as vital as your office.

Ready to quit full-time? No worries.

Baby Boomer retirement has accelerated since COVID-19 began. In 2020, 29 million boomers retire. Over 3 million more than in 2019. 75 million Baby Boomers will retire by 2030.

First, quit your work to enjoy retirement. Leave a professional legacy. Your retirement will start well. It all starts with a retirement letter.

Retirement Letter

Retirement letters are formal resignation letters. Different from other resignation letters, these don't tell your employer you're leaving. Instead, you're quitting.

Since you're not departing over grievances or for a better position or higher income, you may usually terminate the relationship amicably. Consulting opportunities are possible.

Thank your employer for their support and give them transition information.

Resignation letters aren't merely a formality. This method handles wages, insurance, and retirement benefits.

Retirement letters often accompany verbal notices to managers. Schedule a meeting before submitting your retirement letter to discuss your plans. The letter will be stored alongside your start date, salary, and benefits in your employee file.

Retirement is typically well-planned. Employers want 6-12 months' notice.

Summary

• Guidelines for Giving Retirement Notice

• Components of a Successful Retirement Letter

• Template for Retirement Letter

• Ideas for Samples of Retirement Letters

• First Example of Retirement Letter

• Second Example of Retirement Letter

• Third Example of Retirement Letter

• Fourth Example of Retirement Letter

• Fifth Example of Retirement Letter

• Sixth Example of Retirement Letter

• Seventh Example of Retirement Letter

• Eighth Example of Retirement Letter

• Ninth Example of Retirement Letter

• Tenth Example of Retirement Letter

• Frequently Asked Questions

• 1. What is a letter of retirement?

• 2. Why should you include a letter of retirement?

• 3. What information ought to be in your retirement letter?

• 4. Must I provide notice?

• 5. What is the ideal retirement age?

Guidelines for Giving Retirement Notice

While starting a new phase, you're also leaving a job you were qualified for. You have years of experience. So, it may not be easy to fill a retirement-related vacancy.

Talk to your boss in person before sending a letter. Notice is always appreciated. Properly announcing your retirement helps you and your organization transition.

How to announce retirement:

• Learn about the retirement perks and policies offered by the company. The first step in figuring out whether you're eligible for retirement benefits is to research your company's retirement policy.

• Don't depart without providing adequate notice. You should give the business plenty of time to replace you if you want to retire in a few months.

• Help the transition by offering aid. You could be a useful resource if your replacement needs training.

• Contact the appropriate parties. The original copy should go to your boss. Give a copy to HR because they will manage your 401(k), pension, and health insurance.

• Investigate the option of working as a consultant or part-time. If you desire, you can continue doing some limited work for the business.

• Be nice to others. Describe your achievements and appreciation. Additionally, express your gratitude for giving you the chance to work with such excellent coworkers.

• Make a plan for your future move. Simply updating your employer on your goals will help you maintain a good working relationship.

• Use a formal letter or email to formalize your plans. The initial step is to speak with your supervisor and HR in person, but you must also give written notice.

Components of a Successful Retirement Letter

To write a good retirement letter, keep in mind the following:

• A formal salutation. Here, the voice should be deliberate, succinct, and authoritative.

• Be specific about your intentions. The key idea of your retirement letter is resignation. Your decision to depart at this time should be reflected in your letter. Remember that your intention must be clear-cut.

• Your deadline. This information must be in resignation letters. Laws and corporate policies may both stipulate a minimum amount of notice.

• A kind voice. Your retirement letter shouldn't contain any resentments, insults, or other unpleasantness. Your letter should be a model of professionalism and grace. A straightforward thank you is a terrific approach to accomplish that.

• Your ultimate goal. Chaos may start to happen as soon as you turn in your resignation letter. Your position will need to be filled. Additionally, you will have to perform your obligations up until a successor is found. Your availability during the interim period should be stated in your resignation letter.

• Give us a way to reach you. Even if you aren't consulting, your company will probably get in touch with you at some point. They might send you tax documents and details on perks. By giving your contact information, you can make this process easier.

Template for Retirement Letter

Identify

Title you held

Address

Supervisor's name

Supervisor’s position

Company name

HQ address

Date

[SUPERVISOR],

1.

Inform that you're retiring. Include your last day worked.

2.

Employer thanks. Mention what you're thankful for. Describe your accomplishments and successes.

3.

Helping moves things ahead. Plan your retirement. Mention your consultancy interest.

Sincerely,

[Signature]

First and last name

Phone number

Personal Email

Ideas for Samples of Retirement Letters

First Example of Retirement Letter

Martin D. Carey

123 Fleming St

Bloomfield, New Jersey 07003

(555) 555-1234

June 6th, 2022

Willie E. Coyote

President

Acme Co

321 Anvil Ave

Fairfield, New Jersey 07004

Dear Mr. Coyote,

This letter notifies Acme Co. of my retirement on August 31, 2022.

There has been no other organization that has given me that sense of belonging and purpose.

My fifteen years at the helm of the Structural Design Division have given me‌ ‌a‌ ‌strong sense‌ ‌of‌ ‌purpose. I’ve been fortunate to have your support, and I’ll be always grateful for the opportunity you offered me.

I had a difficult time making this decision. ‌As a result of finding a small property in Arizona where we will be able to spend our remaining days together, my wife and I have decided to officially retire.

In spite of my regret at being unable to contribute to the firm we’ve built, I believe it is wise to move on.

My heart will always belong to Acme Co. ‌Thank you for the opportunity and best of luck in the years to come.

Sincerely,

Martin D. Carey

Second Example of Retirement Letter

Gustavo Fring

Los Pollas Hermanos

12000–12100 Coors Rd SW,

Albuquerque, New Mexico 87045

Dear Mr. Fring,

I write this letter to announce my formal retirement from Los Pollas Hermanos as manager, effective October 15.

As an employee at Los Pollas Hermanos, I appreciate all the great opportunities you have given me. ‌It has been a pleasure to work with and learn from my colleagues for the past 10 years, and I am looking forward to my next challenge.

If there is anything I can do to assist during this time, please let me know.

Sincerely,

Linda T. Crespo

Third Example of Retirement Letter

William M. Arviso

4387 Parkview Drive

Tustin, CA 92680

May 2, 2023

Tony Stark

Owner

Stark Industries

200 Industrial Avenue

Long Beach, CA 90803

Dear Tony:

I’m writing to inform you that my final day of work at Stark Industries will be May14, 2023. ‌When that time comes, I intend‌ ‌to‌ ‌retire.

As I embark on this new chapter in my life, I would like to thank you and the entire Stark Industries team for providing me with so many opportunities. ‌You have all been a pleasure to work with and I will miss you all when I retire.

I am glad to assist you with the transition in any way I can to ensure your new hire has a seamless experience. ‌All ongoing projects will be completed until my retirement date, and all key information will be handed over‌ ‌to‌ ‌the‌ ‌team.

Once again, thank you for the opportunity to be part of the Stark Industries team. ‌All the best to you and the team in the days to come.

Please do not hesitate to contact me if you require any additional information. ‌In order to finalize my retirement plans, I’ll meet with HR and can provide any details that may be necessary.

Sincerely,

(Signature)

William M. Arviso

Fourth Example of Retirement Letter

Garcia, Barbara

First Street, 5432

New York City, NY 10001

(1234) (555) 123–1234

1 October 2022

Gunther

Owner

Central Perk

199 Lafayette St.

New York City, NY 10001

Mr. Gunther,

The day has finally arrived. ‌As I never imagined, I will be formally retiring from Central Perk on November 1st, 2022.

Considering how satisfied I am with my current position, this may surprise you. ‌It would be best if I retired now since my health has deteriorated, so I think this is a good time to do so.

There is no doubt that the past‌ ‌two‌ ‌decades‌ ‌have‌ ‌been‌ ‌wonderful. ‌Over the years, I have seen a small coffee shop grow into one of the city’s top‌ ‌destinations.

It will be hard for me to leave this firm without wondering what more success we could have achieved. But I’m confident that you and the rest of the Central Perk team will achieve great things.

My family and I will never forget what you’ve done for us, and I am grateful for the chance you’ve given me. My house is always open to you.

Sincerely Yours

Garcia, Barbara

Fifth Example of Retirement Letter

Pat Williams

618 Spooky Place

Monstropolis, 23221

123–555–0031

pwilliams@email.com

Feb. 16, 2022

Mike Wazowski

Co-CEO

Monters, Inc.

324 Scare Road

Monstropolis

Dear Mr. Wazowski,

As a formal notice of my upcoming retirement, I am submitting this letter. ‌I will be leaving Monters, Inc. on‌ ‌April‌ ‌13.

These past 10 years as a marketing associate have provided me with many opportunities. ‌Since we started our company a decade ago, we have seen the face of harnessing screams change dramatically into harnessing laughter. ‌During my time working with this dynamic marketing team, I learned a lot about customer behavior and marketing strategies. ‌Working closely with some of our long-standing clients, such as Boo, was a particular pleasure.

I would be happy to‌ ‌assist‌ ‌with‌ ‌the‌ ‌transition‌ ‌following‌ ‌my‌ ‌retirement. ‌It would be my pleasure to assist in the hiring or training of‌ ‌my‌ ‌replacement. ‌In order to spend more time with my family, I will also be able to offer part-time consulting services.

After I retire, I plan to cash out the eight unused vacation days I’ve accumulated and take my pension as a lump sum.

Thank you for the opportunity to work with Monters, Inc. ‌In the years to come, I wish you all the best!

Sincerely,

Paul Williams

Sixth Example of Retirement Letter

Dear Micheal,

As In my tenure at Dunder Mifflin Paper Company, I have given everything I had. It has been an honor to work here. But‌ ‌I‌ ‌have‌ ‌decided‌ ‌to‌ ‌move on to new challenges and retire from my position — mainly bears, beets, and Battlestar Galactia.

I appreciate the opportunity to work here and learn so much. During my time at this company, I will always remember the good times and memories we shared. Wishing you all the best in the future.

Sincerely,

Dwight K. Shrute

Your signature

May 16

Seventh Example of Retirement Letter

Greetings, Bill

I am announcing my retirement from Initech, effective March 15, 2023.

Over the course of my career here, I’ve had the privilege of working with so many talented and inspiring people.

In 1999, when I began working as a customer service representative, we were a small organization located in a remote office park.

The fact that we now occupy a floor of the Main Street office building with over 150 employees continues to amaze me.

I am looking forward to spending more time with family and traveling the country in our RV. Although I will be sad to leave.

Please let me know if there are any extra steps I can take to facilitate this transfer.

Sincerely,

Frankin, RenitaEighth Example of Retirement Letter

Height Example of Retirement Letter

Bruce,

Please accept my resignation from Wayne Enterprises as Marketing Communications Director. My last day will be August 1, 2022.

The decision to retire has been made after much deliberation. Now that I have worked in the field for forty years, I believe it is a good time to begin completing my bucket list.

It was not easy for me to decide to leave the company. Having worked at Wayne Enterprises has been rewarding both professionally and personally. There are still a lot of memories associated with my first day as a college intern.

My intention was not to remain with such an innovative company, as you know. I was able to see the big picture with your help, however. Today, we are a force that is recognized both nationally and internationally.

In addition to your guidance, the bold, visionary leadership of our company contributed to the growth of our company.

My departure from the company coincides with a particularly hectic time. Despite my best efforts, I am unable to postpone my exit.

My position would be well served by an internal solution. I have a more than qualified marketing manager in Caroline Crown. It would be a pleasure to speak with you about this.

In case I can be of assistance during the switchover, please let me know. Contact us at (555)555–5555. As part of my responsibilities, I am responsible for making sure all work is completed to Wayne Enterprise’s stringent requirements. Having the opportunity to work with you has been a pleasure. I wish you continued success with your thriving business.

Sincerely,

Cash, Cole

Marketing/Communications

Ninth Example of Retirement Letter

Norman, Jamie

2366 Hanover Street

Whitestone, NY 11357

555–555–5555

jamie.norman@email.com

15 October 2022

Mr. Lippman

Head of Pendant Publishing

600 Madison Ave.

New York, New York

Respected Mr. Lippman,

Please accept my resignation effective‌ ‌November‌ ‌1,‌ ‌2022.

Over the course of my ten years at Pendant Publishing, I’ve had a great deal of fun and I’m quite grateful for all the assistance I’ve received.

It was a pleasure to wake up and go to work every day because of our outstanding corporate culture and the opportunities for promotion and professional advancement available to me.

While‌ ‌I am excited about retiring, I am going to miss being part of our team. ‌It’s my hope that I’ll be able to maintain the friendships I’ve formed here for a long time to come.

In case I can be of assistance prior to or following my departure, please let me know. ‌If I can assist in any way to ensure a smooth transfer to my successor, I would be delighted to do so.

Sincerely,

Signed (hard copy letter)

Norman, Jamie

Tenth Example of Retirement Letter

17 January 2023

Greg S. Jackson

Cyberdyne Systems

18144 El Camino Real,

Sunnyvale, CA

Respected Mrs. Duncan,

I‌ ‌am‌ ‌writing‌ ‌to‌ ‌inform you that I will be resigning from Cyberdyne Systems as of March 1, 2023. I’m grateful to have had this opportunity, and it was a difficult decision to make.

My development as a programmer and as a more seasoned member of the organization has been greatly assisted by your coaching.

I have been proud of Cyberdyne Systems’ ethics and success throughout my 25 years at the company. Starting as a mailroom clerk and currently serving as head programmer.

The portfolios of our clients have always been handled with the greatest care by my colleagues. It is our employees and services that have made Cyberdyne Systems the success it is today.

During my tenure as head of my division, I’ve increased our overall productivity by 800 percent, and I expect that trend to continue after‌ ‌I‌ ‌retire.

In light of the fact that the process of replacing me may take some time, I would like to offer my assistance in any way I can.

The greatest contender for this job is Troy Ledford, my current assistant.

Also, before I leave, I would be willing to teach any partners how to use the programmer I developed to track and manage the development of Skynet.

Over the next few months, I’ll be enjoying vacations with my wife as well as my granddaughter moving‌ ‌to‌ ‌college.

If Cyberdyne Systems has any openings for consultants, please let me know. ‌It has been a pleasure working with you over the last 25 years. I appreciate your concern and care.

Sincerely,

Greg S, Jackson

Questions and Answers

1. What is a letter of retirement?

Retirement letters tell your supervisor you're retiring. This informs your employer that you're departing, like a letter. A resignation letter also requests retirement benefits.

Supervisors frequently receive retirement letters and verbal resignations. Before submitting your retirement letter, meet to discuss your plans. This letter will be filed with your start date, salary, and benefits.

2. Why should you include a letter of retirement?

Your retirement letter should explain why you're leaving. When you quit, your manager and HR department usually know. Regardless, a retirement letter might help you leave on a positive tone. It ensures they have the necessary papers.

In your retirement letter, you tell the firm your plans so they can find your replacement. You may need to stay in touch with your company after sending your retirement letter until a successor is identified.

3. What information ought to be in your retirement letter?

Format it like an official letter. Include your retirement plans and retirement-specific statistics. Date may be most essential.

In some circumstances, benefits depend on when you resign and retire. A date on the letter helps HR or senior management verify when you gave notice and how long.

In addition to your usual salutation, address your letter to your manager or supervisor.

The letter's body should include your retirement date and transition arrangements. Tell them whether you plan to help with the transition or train a new employee. You may have a three-month time limit.

Tell your employer your job title, how long you've worked there, and your biggest successes. Personalize your letter by expressing gratitude for your career and outlining your retirement intentions. Finally, include your contact info.

4. Must I provide notice?

Two-week notice isn't required. Your company may require it. Some state laws contain exceptions.

Check your contract, company handbook, or HR to determine your retirement notice. Resigning may change the policy.

Regardless of your company's policy, notification is standard. Entry-level or junior jobs can be let go so the corporation can replace them.

Middle managers, high-level personnel, and specialists may take months to replace. Two weeks' notice is a courtesy. Start planning months ahead.

You can finish all jobs at that period. Prepare transition documents for coworkers and your replacement.

5. What is the ideal retirement age?

Depends on finances, state, and retirement plan. The average American retires at 62. The average retirement age is 66, according to Gallup's 2021 Economy and Personal Finance Survey.

Remember:

• Before the age of 59 1/2, withdrawals from pre-tax retirement accounts, such as 401(k)s and IRAs, are subject to a penalty.

• Benefits from Social Security can be accessed as early as age 62.

• Medicare isn't available to you till you're 65,

• Depending on the year of your birth, your Full Retirement Age (FRA) will be between 66 and 67 years old.

• If you haven't taken them already, your Social Security benefits increase by 8% annually between ages 6 and 77.

Apocodes helps entrepreneurs create SaaS products without writing code. This post introduces micro-SaaS and outlines its basic strategy.

Strategy

Vision and strategy differ when starting a startup.

• The company's long-term future state is outlined in the vision. It establishes the overarching objectives the organization aims to achieve while also justifying its existence. The company's future is outlined in the vision.

• The strategy consists of a collection of short- to mid-term objectives, the accomplishment of which will move the business closer to its vision. The company gets there through its strategy.

The vision should be stable, but the strategy must be adjusted based on customer input, market conditions, or previous experiments.

Begin modestly and aim high.

Be truthful. It's impossible to automate SaaS product creation from scratch. It's like climbing Everest without running a 5K. Physical rules don't prohibit it, but it would be suicide.

Apocodes 5K equivalent? Two options:

• (A) Create a feature that includes every setting option conceivable. then query potential clients “Would you choose us to build your SaaS solution if we offered 99 additional features of the same caliber?” After that, decide which major feature to implement next.

• (B) Build a few straightforward features with just one or two configuration options. Then query potential clients “Will this suffice to make your product?” What's missing if not? Finally, tweak the final result a bit before starting over.

(A) is an all-or-nothing approach. It's like training your left arm to climb Mount Everest. My right foot is next.

(B) is a better method because it's iterative and provides value to customers throughout.

Focus on a small market sector, meet its needs, and expand gradually. Micro-SaaS is Apocode's first market.

What is micro-SaaS.

Micro-SaaS enterprises have these characteristics:

• A limited range: They address a specific problem with a small number of features.

• A small group of one to five individuals.

• Low external funding: The majority of micro-SaaS companies have Total Addressable Markets (TAM) under $100 million. Investors find them unattractive as a result. As a result, the majority of micro-SaaS companies are self-funded or bootstrapped.

• Low competition: Because they solve problems that larger firms would rather not spend time on, micro-SaaS enterprises have little rivalry.

• Low upkeep: Because of their simplicity, they require little care.

• Huge profitability: Because providing more clients incurs such a small incremental cost, high profit margins are possible.

Micro-SaaS enterprises created with no-code are Apocode's ideal first market niche.

We'll create our own micro-SaaS solutions to better understand their needs. Although not required, we believe this will improve community discussions.

The challenge

In 100 days (September 12–December 20, 2022), we plan to build 10 micro-SaaS enterprises using Apocode.

They will be:

• Self-serve: Customers will be able to use the entire product experience without our manual assistance.

• Real: They'll deal with actual issues. They won't be isolated proofs of concept because we'll keep up with them after the challenge.

• Both free and paid options: including a free plan and a free trial period. Although financial success would be a good result, the challenge's stated objective is not financial success.

This will let us design Apocodes features, showcase them, and talk to customers.

(Edit: The first micro-SaaS was launched!)

Follow along

If you want to follow the story of Apocode or our progress in this challenge, you can subscribe here.

If you are interested in using Apocode, sign up here.

If you want to provide feedback, discuss the idea further or get involved, email me at nicolas.tresegnie@gmail.com

Apple's search engine has long been rumored. Recent Google developments may confirm the rumor. Is Apple about to become Google's biggest rival?

Here's a video:

People noted Apple's changes in 2020. AppleBot, a web crawler that downloads and caches Internet content, was more active than in the last five years.

Apple hired search engine developers, including ex-Googlers, such as John Giannandrea, Google's former search chief.

Apple also changed the way iPhones search. With iOS 14, Apple's search results arrived before Google's.

These facts fueled rumors that Apple was developing a search engine.

Apple and Google Have a Contract

Many skeptics said Apple couldn't compete with Google. This didn't affect the company's competitiveness.

Apple is the only business with the resources and scale to be a Google rival, with 1.8 billion active devices and a $2 trillion market cap.

Still, people doubted that due to a license deal. Google pays Apple $8 to $12 billion annually to be the default iPhone and iPad search engine.

Apple can't build an independent search product under this arrangement.

Why would Apple enter search if it's being paid to stay out?

Ironically, this partnership has many people believing Apple is getting into search.

A New Default Search Engine May Be Needed

Google was sued for antitrust in 2020. It is accused of anticompetitive and exclusionary behavior. Justice wants to end Google's monopoly.

Authorities could restrict Apple and Google's licensing deal due to its likely effect on market competitiveness. Hence Apple needs a new default search engine.

Apple Already Has a Search Engine

The company already has a search engine, Spotlight.

Since 2004, Spotlight has aired. It was developed to help users find photos, documents, apps, music, and system preferences.

Apple's search engine could do more than organize files, texts, and apps.

Spotlight Search was updated in 2014 with iOS 8. Web, App Store, and iTunes searches became available. You could find nearby places, movie showtimes, and news.

This search engine has subsequently been updated and improved. Spotlight added rich search results last year.

If you search for a TV show, movie, or song, photos and carousels will appear at the top of the page.

This resembles Google's rich search results.

When Will the Apple Search Engine Be Available?

When will Apple's search launch? Robert Scoble says it's near.

Scoble tweeted a number of hints before this year's Worldwide Developer Conference.

Scoble bases his prediction on insider information and deductive reasoning. January 2023 is expected.

Will you use Apple's search engine?