Good Morning: Why Waste Time in Line on Such a Beautiful Saturday?

It's been 41 years since the first time-saving automated teller machine appeared. (Trivia for the day: The first bank ATM appeared in New York City on September 2, 1969 and was installed by Chemical Bank.)  But step aside, ATMs, there's a new timesaver in town that's going to let us spend more time enjoying the weekend and less time standing in line at the ATM:  Check deposit by smartphone.

I just deposited my first check using my iPhone and it's a modern miracle of convenience. Instead of slogging down to the bank's ATM, I was able to deposit a check with two clicks of my iPhone's camera.

More and more banks are offering smartphone apps that let you deposit checks by taking a photo of the front and back sides of the check. If your bank doesn't yet have that app, sign up with PayPal and get their iPhone app, and start spending less time in line and more time enjoying the sunshine.

Saturday's going to be warm and sunny with a light breeze.  How warm? About 77 degrees warm. Sunday will be a few degrees cooler, but also sunny.