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b"A gaming war is underway between Apple and Google. Both are offering subscriptions. For a monthly fee you get a number of games with no in-game purchases or ads. Apple Arcade is $5 a month, Google PlayPass is $1.99 a month for the first year, and then to $5 reportedly. Check out both. \\xa0\\nThere's a new tax form that makes it easier for senior citizens to file their taxes.\\nClark\\u2019s been talking about interest rates dropping The best rates now are around 2.4% - .5 lower than a couple of months ago. In parts of Europe, savers PAY to save \\u2013 with negative interest rates. Trump recently suggested the Fed should cut rates to negative levels. But this can lead to extreme economic problems. When the economy slows the demand for borrowing slows. Savings institutions don\\u2019t want deposits and cut rates as a deterrent. If they have fewer borrowers, they don\\u2019t need the deposits and cut rates on savings. Things would have to get much worse for this to kick in here. It likely won\\u2019t come to negative interest rates. But since rates are headed lower, if you have savings you don\\u2019t need, lock in the rate in a one year CD. Traditional banks already pay nearly nothing. Don\\u2019t save there.\\nLearn more about your ad choices. Visit megaphone.fm/adchoices"