The best finance and security apps for college students

You may be more or less prepared for the academics of college, but the other life stuff can be an eye-opener. College might be the first time you’re in charge of your own finances, and with new living situations, new jobs and new connections, you may also be expanding the amount of personal data you’re putting out into the world. If you could use a little help with budgeting, remembering passwords or making sure everything you do online is secure, here are the finance and security apps we’ve used, tested and ultimately recommend.

Mint

If you’re new to tracking finances, getting an overview of your banking, credit and loan accounts in one place can be helpful. Mint is a simple and free app that does just that. I tested it for our subscription guide and continue to use it. The interface is intuitive and it’s pretty good at correctly categorizing purchases. The main features, like transaction history, self-budgeting and goal-setting, are available free. For $5 per month, you can have Mint cancel subscriptions on your behalf and you won’t see as many ad links peppered throughout the app (though, I’ve never found the ads particularly distracting.)

YNAB

For help creating a more formal budget, a few Engadget staffers use YNAB (You Need A Budget) and we recommend it in our guide to student budgeting. It’s based around a theory that imposes four “rules” to improve your money management, and learning those principles now will benefit you long after graduation. The browser and mobile app interfaces are pretty easy to use, and YNAB has a ton of instructional content for newbies that can point you in the right direction when you’re first setting up expense categories, debt trackers and sinking funds. It’s usually $15 per month or $99 per year, but students who can prove they’re in school can get a year for free.

Goodbudget

Between loans, jobs and, if you’re lucky, scholarships and financial aid, a student’s “extra” money can be pretty limited. Goodbudget translates the envelope technique to an app format, earmarking your money for the things you need to pay for. By visualizing what you have and what you need, you can see when there’s room for stuff you want, like going out with friends or decorating your first apartment. Plenty of graphs and sliders help map out your situation, and Goodbudget also offers free online classes for those who want to get better with money (granted, that may be a hard sell when you’re already in school). The free version gives you twenty total envelopes, split between expenses and goals, and lets you add one bank account. For unlimited accounts and envelopes, the paid version is $8 per month or $70 per year.

Acorns investment

Say you indulge in an Iced Toasted Vanilla Oatmilk Shaken Espresso for $5.75. The Acorns investment app rounds up that last 25 cents and deposits it into an investment account, and over time, your money grows. By providing a simple app and recommending just a few different portfolios, Acorns takes some of the complexity out of investing. For students in particular, it’s also easier to invest a few cents here and there than larger chunks of cash when you’re already just trying to get by. The monthly plan defaults to $5 per month with an option of a $3 plan at sign up. Both come with a checking and a retirement savings account in addition to the investment features, so if you’re totally starting fresh, this could prove useful.

1Password

Our senior security reporter, Katie Malone, put 1Password at the top of Engadget’s guide to password managers. Like all services like this, 1Password one helps you create unique and complex credentials for every site you use, and then saves them securely so you don’t have to remember them all. It works across most platforms and even lets you share logins and credit card info with other people as needed, which will make it easier to access any family accounts you may need while in school. The security and encryption measures are top-notch, with a zero-knowledge policy that ensures the company doesn’t store your data, as well as a bug bounty program that rewards ethical hackers who discover any vulnerabilities.

Proton VPN

If you study in public places where the WiFi is suspect, a VPN can give you an extra layer of protection. It’s not a cure-all for online security woes, but VPNs do create a protected “tunnel” to keep out people who may otherwise have access to your data, like your internet service provider or hackers targeting public WiFi. Proton VPN is the best overall option not just because it’s easy to use. The Switzerland-based company also enforces a no-log policy and their open-source software continually stands up to independent audits. Unlike some VPNs, it didn’t tank our connection speeds in our tests, either. Proton goes for $10 per month to access servers in 65 countries, or you can get the free version with access to just three.

ProtonMail

Free email services are everywhere, but finding one that isn’t propped up by selling your habits and history to advertisers is almost impossible. And while you might get a school email address, a good personal email will serve you long after access to your alumni mail is discontinued. ProtonMail is focused on privacy: It uses end-to-end encryption, whereas a service like Gmail encrypts messages in transit only. Proton’s open-source encryption methods are independently audited, and since the service is supported by paid subscriptions and not advertising, the company has little incentive to snoop your info. Free plans give you one gigabyte of storage and allow for 150 emails per day, while a $12-per-month subscription grants 500GB of storage and removes email limits.

Signal

As a non-profit, there's no tech giant behind the wheel at Signal, which sets it apart from most other messaging services. A phone number is required for set up, but that’s about all the information Signal ever collects. It’s a favorite of journalists, protestors and people living in unstable territories, but students who realize their communications are no one else’s business will find the app useful, too. Texts, videos and images you send are end-to-end encrypted using open-source protocols, and you can even set messages to expire. Recent additions that enhance group chats may make Signal feel a little more like other messaging apps, but the core structure of the service will always be fundamentally more private than many competitors.

Noonlight

Staying safe in college extends beyond online safety, which is where apps like Noonlight come in. Tinder bought a stake in the app a few years ago to help people in the event of a date gone wrong. Within the app, you’ll find a giant white button that you press and hold in sketchy situations. As long as you hold the button, nothing happens. Let go of it, and unless you enter a secret pin to prove you’re safe, the police will be dispatched to your location. A timeline feature lets you add names and images when you’re meeting someone new. The safety network allows your friends and family to request check-ins and take action when they don’t hear from you. The free version includes all three of the features mentioned above, while the $5-per-month plan adds an iPhone widget and the ability to sync with rideshare apps.

This article originally appeared on Engadget at https://www.engadget.com/best-finance-and-security-apps-for-college-students-130035602.html?src=rss

Rapid Prototyping Made Easy with the Jumper less Breadboard

Rapid Prototyping Made Easy with the Jumper less Breadboard

The breadboard, a staple tool in the realm of electronics, allows for rapid prototyping of electronic circuits without soldering or PCB creation, despite its drawbacks like high parasitic capacitance and resistance. Kevin Santo Cappuccio has introduced a modern twist with his jumper less breadboard design, utilizing 12 analog cross point switches beneath the PCB to establish connections.

Staff Thu, 07/20/2023 - 17:46
Circuit Digest 20 Jul 13:16

The Morning After: Netflix axes its ‘Basic’ plan

Netflix has removed its $10 Basic tier — once the service's cheapest plan without ads — in the US and the UK. The company has updated its pricing page to say new and rejoining members in both countries can no longer sign up for the Basic tier. If you’re already on the plan, you can keep your membership as is (and pay $10 a month) until you cancel or change your subscription – or Netflix changes its mind, I’m guessing.

If new members don't want to pay for a Standard plan, they must now make do with the Standard Ad-Supported tier, which costs $7 a month in the US and £5 in the UK. It supports Full HD streams and viewing on two devices at a time, like the no-ads Standard plan but lacks offline viewing. How many ads are you likely to see if you want to save money? Netflix says you’ll get an average of four minutes of ads an hour at around 15 to 30 seconds each, which, of course, you can’t skip. Streaming services are all looking to get more money out of us, whether they’re closing off their cheapest plans or increasing their base prices. YouTube Premium seems to be following suit.

– Mat Smith

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Apple is reportedly making its own AI chatbot to rival ChatGPT

It's called Ajax.

Apple is working on its very own chatbot, according to Bloomberg sources. Engineers have cheekily named the toolset AppleGPT, but it’s actually called Ajax, as the large language model (LLM) was built using Google’s JAX framework. Sources indicate Apple has multiple teams working on the project, with one team devoted to addressing potential privacy concerns. This move comes after Apple CEO, Tim Cook, told Good Morning America that generative AI is something the company is “looking at closely.” According to Bloomberg, John Giannandrea and Apple’s senior vice president of software engineering, Craig Federighi, are leading the initiative.

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Nothing Phone 2 review

Another strong alternative to boring midrange phones.

Engadget

In 2023, when new generations of phones never seem quite as exciting as the last, Nothing has made the Phone 2 stand out. Its eye-catching design captures some of the best qualities of clear plastic gadgets from the ‘90s, but in a more sophisticated way. Nothing’s Monochrome UI asks users to be more thoughtful about how they use their device while giving them tools like the Glyph interface that can surface info and notifications in novel ways. It’s also very similar to the company’s first phone.

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Beats Studio Pro review: Upgraded sound makes all the difference

The changes that matter most are the ones you can’t see.

After almost six years, Beats is back with new over-ear noise-canceling headphones. A significant update from the Studio 3 Wireless, the new Studio Pro is a familiar formula reconfigured from the inside out. A second-generation version of Beats’ own audio chip powers this new model, delivering improvements to active noise cancellation (ANC), spatial audio with dynamic head tracking and wired audio modes via USB-C connection. The one thing that hasn’t particularly changed? The $350 price.

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Transformers’ Grimlock gets an expensive auto-transforming toy

The $1,699 Dinobot stands 15 inches tall.

Robosen

Robosen announced a new auto-converting Transformer today. After launching its self-transforming Optimus Prime in 2021, the company set its sights on Grimlock, the Autobot-allied leader of the Dinobots, who changes from a robot into a mechanical T-Rex. The Grimlock collectible stands 15 inches tall in robot mode and 15.4 inches in dinosaur mode. Robosen describes its auto-transforming as “the epitome of auto-conversion” – all for just $1,699, or $1,499 for pre-orders.

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This article originally appeared on Engadget at https://www.engadget.com/the-morning-after-netflix-axes-its-basic-plan-111511962.html?src=rss

Infineon Expands CoolSiC™ MOSFET Family with 650V TOLL Portfolio for Enhanced Thermal Performance and Power Density

Infineon Expands CoolSiC™ MOSFET Family with 650V TOLL Portfolio for Enhanced Thermal Performance and Power Density

Infineon Technologies AG introduces its latest innovation, the silicon carbide (SiC) CoolSiC™ MOSFET 650V in TO leadless (TOLL) packaging, to address the growing demand for energy-efficient power solutions amid the rise of digitalization, urbanization, and electro-mobility. Designed to optimize energy efficiency and reliability, the new CoolSiC MOSFETs offer superior performance in applications such as SMPS for servers, telecom infrastructure, energy storage systems, and battery formation solutions.

Staff Thu, 07/20/2023 - 16:32
Circuit Digest 20 Jul 12:02

YouTube Premium quietly goes up in price to $14 per month

Google has quietly increased the price of YouTube Premium by a significant $2 from $12 to $14, according to the updated signup page spotted by 9to5Google. The annual price jumped to $20, from $120 to $140 per month, a savings of about $28 over paying month-by-month. YouTube also increased the price of Music Premium from $10 to $11 per month, matching similar increases by Apple and Amazon. The price increases weren't accompanied by any kind of official announcement.

On top of eliminating ads, YouTube Premium offers features like offline viewing and background playback (without it, your video will stop playing when the app is minimized or your phone screen is off). It also allows higher-quality 1080p streaming on some platforms. 

Last year, Google hiked the family Premium plan to $23 per month, and charged existing month-by-month subscribers the new fee the following month. Previously, the company was more generous — when it rebranded YouTube Red to Premium in 2018, it kept the former's $10 price for subscribers and is still honoring it for some users, according to 9to5Google

At the same time that it's boosting prices, YouTube has been cracking down on ad-blockers that lets you view videos without ads. Some users have seen a pop-up indicating YouTube will block their ability to play videos unless they disable their ad blocker or whitelist the site. "Ads allow YouTube to stay free for billions of users worldwide," it reads. To go ad-free, the company tells users to get a YouTube Premium subscription so "creators can still get paid."

This article originally appeared on Engadget at https://www.engadget.com/youtube-premium-quietly-goes-up-in-price-to-14-per-month-100531473.html?src=rss

WhatsApp makes it easier to send messages to unsaved numbers

Every app has one flaw that is baffling in how unnecessarily complicated it is. For WhatsApp, that has always been the fact that you can only message people after first saving their contact. But the frustrating extra step is finally gone: A WhatsApp update is rolling out that lets you reach out to whoever you want without saving their information, WABetaInfo reported.

That's right, no more contacts saved with "Lisa library" or "Paul apartment on South 4th" for people you communicate with over WhatsApp once and never speak to again. You can try out this new feature much in the same way you would start any message. Click on the new message button on your home screen (top right for Apple devices, bottom right for Android ones) and then type the number into the search bar. The number will appear under the category "Not in your contacts." To the right of the person's number and profile photo is the option to click "chat," which brings you right into a conversation with them.

Until now, one of the only exceptions — if you can even call it that — has been responding to unsaved numbers in group chats. But, this still required you to enter one through a QR code or link or for a person with your contact saved to invite you into it. WhatsApp's latest update is rolling out to all users, so you should see it in the next few days or maybe weeks. 

This article originally appeared on Engadget at https://www.engadget.com/whatsapp-makes-it-easier-to-send-messages-to-unsaved-numbers-093511724.html?src=rss

Kevin Mitnick, formerly the world’s ‘most-wanted’ hacker, has passed away

Kevin Mitnick, who was once one of the world's most wanted computer hackers, has passed away at 59 on July 16th. According to his obituary, Mitnick battled pancreatic cancer for more than a year and was undergoing treatment at the University of Pittsburgh Medical Center. "[M]uch of his life reads like a fiction story," his obituary reads, and that's perhaps the perfect way to describe his tale. The first time Mitnick infiltrated a computer system was way back in 1979, but it wasn't until 1988 that he was convicted and sentenced to 12 months in prison for copying a company's software.

He broke into Pacific Bell's voicemail computers when he was under supervised release and then continued to hack into cell networks, as well as company and government websites, as a fugitive in the 90s. Mitnick was also involved in the theft of thousands of files and credit card numbers, but his obituary says he "never took one dime from any of his 'victims.'" He was eventually caught in 1995 and charged with illegal use of a telephone access device and computer fraud. Apparently, authorities believed he had access to corporate trade secrets worth millions of dollars at the time.

Mitnick spent five years in prison, which he described as a "vacation" by the time he was freed. From there, he changed the course of his career and chose to become a White Hat hacker and cybersecurity consultant. In 2011, he became part owner and chief hacking officer of KnowBe4, which provides security awareness training and a simulated phishing platform to clients. Before all these happened, Mitnick figured out how to game LA's public transportation system at 12 years old by memorizing bus schedules and punch cards and then obtaining his own punch tool systems so he could ride buses all day. Mitnick is survived by his wife, Kimberley Mitnick, and their unborn child.

This article originally appeared on Engadget at https://www.engadget.com/kevin-mitnick-formerly-the-worlds-most-wanted-hacker-has-passed-away-084912966.html?src=rss

Google is reportedly testing an AI tool that can generate news articles

Google is testing a new AI technology codenamed "Genesis" that can generate news articles, according to The New York Times. The tech giant has reportedly demonstrated the tool not just for The Times, but also for executives at The Washington Post and News Corp, which owns The Wall Street Journal. Based on reports from people who witnessed the pitch, Genesis can whip up copy from the data fed to it, whether it's current events or other types of information. Apparently, Google believes journalists could use it as some sort of an assistant to automate tasks and free them up for other things. 

Some of the people who saw the demonstration described it as "unsettling." They also said that it seemed to disregard the kind of work that goes into writing accurate, digestible pieces. Jeff Jarvis, a journalist professor at the City University of New York, told The Times that journalists should use the tool "[i]f this technology can deliver factual information reliably." Since Google has yet to launch Genesis, we can't say if it actually can, or if it could easily lead to the dissemination of misinformation. As The Times notes, Google has been moving quickly to deploy AI technology in an effort to catch up with the Microsoft-backed company OpenAI. Its generative AI tech, Bard, was caught spouting misinformation as soon as it debuted on Twitter.

Recent attempts by some publications to use AI tools hadn't ended up well. CNEThad to issue corrections after being made aware of substantial errors in most of 77 machine-written articles it published under the CNET Money byline. And just earlier this month, Gizmodo's io9published a Star Wars piece full of errors attributed to the "Gizmodo Bot." io9 deputy editor James Whitbrook said the website's editorial team played no part in its publishing, and hence was given no chance to edit it for corrections before it went out. 

This article originally appeared on Engadget at https://www.engadget.com/google-is-reportedly-testing-an-ai-tool-that-can-generate-news-articles-054602544.html?src=rss

Microsoft will deliver improved HoloLens combat goggles to Army testers this month

Microsoft is taking another turn at testing its HoloLens-based combat goggles with the US military. The company has confirmed to Engadget that it's delivering improved IVAS (Integrated Visual Augmentation System) 1.2 devices to the Army before the end of July. These updated augmented reality models are "slimmer, lighter and more balanced" than before, Microsoft says. That, in turn, should make them more comfortable and improve soldiers' performance.

The Army tellsBloomberg two squads will test 20 prototype IVAS goggles in late August. They'll gauge low-light functionality, reliability and whether or not they make soldiers feel ill. Some testers complained last year of nausea, headaches and eye strain, while others weren't happy with the bulk, narrow field of view and a display glow that could give away a soldier's presence at night. Key features also failed relatively frequently.

The HoloLens tech is meant to improve battlefield awareness. Infantry can see each other's positions, get vital health stats and use night vision that's less conspicuous. They can better coordinate assaults and warn if there are signs of injury or fatigue. The technology might reach the field within a few years if the August test is successful. The Army would award a contract between July and September 2024 for a second field study, and could move to an operational combat test as soon as April 2025. The Army could deploy IVAS months afterward.

Much is riding on this test, however. While the Army could spend as much as $21.9 billion in ten years for up to 121,000 IVAS units, Congress blocked further orders of the earlier goggles in January following reports of problems. Politicians instead gave Microsoft $40 million to rework the hardware. If there are still issues, the Army could cancel the program. It would not only cost Microsoft a lucrative contract, but would cast further doubt on HoloLens itself. The team lost lead developer Alex Kipman last year following misconduct allegations, and layoffs early this year dealt a serious blow to the mixed reality division.

This article originally appeared on Engadget at https://www.engadget.com/microsoft-will-deliver-improved-hololens-combat-goggles-to-army-testers-this-month-211521914.html?src=rss

Tesla built and delivered a nearly half a million EVs in Q2

Tesla remains the top US EV producer with a new internal record internal record with 479,700 vehicles built and 466,140 of them delivered in Q2, up ~87 percent YoY.

The company made headlines in Q2 after opening its previously-proprietary charging port design to the rest of the industry. Mercedes, Volvo, Rivian, and GM vehicles will use the design for their North American models beginning in the 2024 model year. Texas went so far as to require its state-funded EV charging stations accommodate the standard. Tesla's charging network station capacity has grown by a third from this time last year, with 48,082 chargers in total spread across 5,265 stations, globally.

The first production Cybertruck rolled off the assembly line this quarter as well, though you couldn't see much of the vehicle from its official release photo. The Cybertruck line has entered tooling, according to the company, and is expected to begin steady production sometime next year.

"We are now testing Cybertruck vehicles around the world for final certification and validation," the company wrote in its Q2 investors deck. "This might be the most unique vehicle product in decades; with that comes trialing and testing new technologies."

This past quarter has seen a number of scandals at the company including its executives accused of being overpaid by a cool $735 million dollars since 2017 as well as Elon being suspected of misappropriating company funds to build a glass house. Not a fancy aboratorium, not a metaphor for Twitter, a literal "glass house."

Wednesday's investor deck specifically noted Tesla's "commitment to being at the forefront of AI development" with the start of production for its Dojo training computers, which will be used to help Autopilot developers iterate future designs and features. Details were sparse but we do expect company executives to further discuss this initiative during the Q2 investors call which begins at 5:30pm ET.

Stay tuned to Engadget for up to the minute breaking news from that call, as well as whatever wacky and problematic-for-Legal statements CEO Elon Musk shares.

This is a developing story. Please check back for updates.

This article originally appeared on Engadget at https://www.engadget.com/tesla-built-and-delivered-a-nearly-half-a-million-evs-in-q2-205948639.html?src=rss