For years, John Hancock has offered Vitality Plus life insurance program members a way to earn an Apple Watch for (almost) free with regular exercise.

Recently, the Vitality program expanded to include the newest Apple Watch Series 11 and Apple Watch Ultra 3. Here’s how it works and how to take advantage if you’re hoping an Apple Watch will help with your new year’s resolutions.

Apple has announced Apple Creator Studio, which it describes as a “groundbreaking collection of powerful creative apps designed to put studio-grade power into the hands of everyone.”

Apple Creator Studio will launch on the App Store on Wednesday, January 28, and will cost $12.99 per month or $129 per year. There will also be a one-month free trial offer. College students and educators can subscribe for $2.99 per month or $29.99 per year.