Every time Microsoft launched a major AI feature this year, I couldn't help but feel more skeptical about the company's new direction. Here's Microsoft, a notoriously conservative and slow-moving giant, reshaping its products around artificial intelligence not long after most people learned generative AI existed. The last time it made such a dramatic shift we got Windows 8, a failed attempt at making its flagship OS tablet and touchscreen friendly.
Now, the company is bringing AI right into the heart of Windows and I'm left wondering: Is Microsoft jumping into artificial intelligence to actually make its products better? Or is it just trying to stake a claim as an AI innovator and pray that the technology actually lives up to the hype? At this point, it's genuinely hard to tell.
As the Zune, WebTV and Windows Phone have shown, Microsoft isn't so great at timing. Its products often either land too early to be useful (as in the case of the sluggish WebTV), or arrive far too late to make an impact (like the genuinely great Zune HD). But when the company unveiled its AI-powered Bing Chat earlier this year, it was perfectly positioned to coast on the success of ChatGPT, which by then had reportedly reached 100 million users in just two months. According to UBS analysts, that would have made ChatGPT the fastest growing consumer application in history. What better time to mate the power of generative AI with one of its notoriously beleaguered products? Microsoft had nothing to lose.
OpenAI CEO Sam Altman and Microsoft CEO Satya Nadella at the first OpenAI DevDay in November 2023.
Justin Sullivan via Getty Images
After investing a total of $13 billion in ChatGPT-maker OpenAI (and acquiring a 49 percent stake in the process), Microsoft was probably eager to show off its shiny new toy ahead of Google and others. The introduction of Bing Chat officially kicked off Microsoft's year of AI: Copilot launched on Edge, Microsoft 365 products like Word and Powerpoint and eventually made its way to Windows 11. Even more surprising, the company recently announced that Copilot is coming to Windows 10 — a sign that it wants AI features in front of as many people as possible. (Windows 11 reportedly accounts for 26 percent of Windows installations, while Windows 10 still has 69 percent. By targeting both platforms Copilot could potentially reach up to 1.4 billion users.)
There's no doubt that Copilot makes a great first impression. Type in a few words (or speak them aloud), and it returns with direct answers to your questions, like a whip-smart assistant. There are no ads to wade through, and you only have to engage with additional links if you want. It's a glimpse at a world beyond search engines, one where AI could help guide us through an increasingly chaotic media landscape. Microsoft's Copilots can also help out in specific applications: In Edge it can summarize the webpage you're looking at; it can help to transcribe and generate action points in Teams Meetings; and it can help unearth hard to find settings in Windows (for example, you could just type "How do I turn on Night Mode?" to flip that on).
But Copilot's confident veneer hides the fact that it often makes errors and can occasionally misunderstand your questions entirely. It's far less responsive than using a typical search engine, as there's a lot of opaque AI processing happening in the background. And in my testing, it also crashes more often than you'd think, which requires a “reboot” of your session (but at least it doesn't flash a blue screen like Windows).
Microsoft
In an effort to temper our expectations, Microsoft has a helpful note emblazoned atop Bing's AI chat: "Bing is powered by AI, so surprises and mistakes are possible. Please share feedback so we can improve!" Microsoft appears to show a bit of humility here by acknowledging that its AI chat isn't perfect, and it's trying to earn some brownie points by saying it's listening to your feedback. Mostly, though, that warning serves as a way out for Microsoft. It can tout Copilot's ability to write essays for you and hold vaguely realistic conversations, but the minute it screws up, the company can just say, "It's just a beta, LOL!"
The big test for Microsoft's Copilots and other generative AI tools comes down to one thing: trust. Can a user trust that it'll deliver the relevant information when it asks a question? Can we be sure Copilow will even understand our query correctly? Aaron Woodman, Microsoft's VP of Windows Marketing, tells us that trust will ultimately come down to users "kicking the tires" for themselves and seeing how well Copilot performs. "I think that type of organic growth is one that we're going to see over time," he said in an interview with Engadget at the Windows Copilot launch in September. "And I bet it'll be explosive because the value is there, and I think customers will see that very quickly."
Microsoft
Woodman also believes that users will understand that Copilot won't always be perfect, especially during these early days. "I weirdly think we're probably more empathetic with people and understand where they're at with growth than we are with technology," he said. "I think the best thing that we can do is honestly own that, be transparent about it. At some level, every conversation we're in, we're trying to lean into [that] this is a growth process. We want to make sure you understand reference materials. I think people will understand that we're trying to accelerate bringing [new] technology to them."
I’ve been using Microsoft’s AI solutions since Bing Chat launched earlier this year, and while it’s helpful for simple tasks, like creating a specification table comparing two products, it hasn’t exactly changed the way I work. Microsoft also had to seriously restrict Bing Chat’s capabilities early on after it started arguing with users and issuing disturbing responses. In Windows 11, Copilot can sometimes help me find settings like dark mode, but it can’t always pull up the controls within the Copilot pane, and sometimes it just sends me to general settings menus if it can’t figure out what I’m asking for.
More recently, I’ve had disappointing conversations with Bing when I asked if it was a good time to buy a Nintendo Switch (it took some prodding for it to bring up rumors of a potential Switch follow-up coming next year), and its ability to answer questions around images is still less useful than Google’s image search.
When I took a photo of my kid’s baby monitor and asked “What is this?,” Bing was aware of its function, but it got the actual model and manufacturer wrong. That query also took five seconds to complete. The Google Image Search took half a second and correctly identified it as the Eufy Space Monitor. Score one for traditional search (and yes, I know it’s also powered by its own set of computer vision models).
Microsoft
We can look to Microsoft's Github Copilot, which launched in November 2021, as one way users can learn to work with AI. It's mainly meant to serve as a partner alongside an experienced programmer: It'll look out for potential issues and it can even whip up some simple code.
According to developer Aidan Tilgner, Github Copilot can be genuinely useful for coders, so long as you keep your expectations in check. In the paper "GitHub Copilot AI pair programming: Asset or Liability?" authors Arghavan Moradi Dakhel, Vahid Majdinasab, Amin Nikanjam, Foutse Khomh, Michel C.Desmarais, and Zhen Ming Jiang found Github Copilot similarly useful, but note "it can also become a liability if it is used by novices, those who may not be familiar with the problem context and correct coding methods."
"Copilot suggests solutions that might be buggy and difficult to understand, which may be accepted as correct solutions by novices," the authors add. "Adding such buggy and complex code into software projects can highly impact their quality."
By leaning so much on Copilots in the future, Microsoft may also be tying itself too closely to OpenAI, a young company that recently went through one of the most volatile weekends in Silicon Valley history. OpenAI’s board fired CEO Sam Altman, but after a significant amount of internal pressure (and some cajoling from Microsoft CEO Satya Nadella), it ultimately re-hired him a few days later. If OpenAI goes through another tumultuous event, it won’t just be Microsoft’s $13 billion investment in danger: It’ll be the company’s future plans for practically all of its products.
According to Windows Central, Microsoft’s next major Windows update, “Hudson Valley,” may arrive next year with a slew of AI enhancements in tow. That includes the ability to analyze content being displayed in video chats, an improved Copilot that can remember everything you’ve done on your PC, and better system-wide search. Some features may also require CPUs with NPUs, like AMD’s last batch of chips and Intel’s new Core Ultra hardware. That’s similar to the Windows Studio Effects features like background blurring and auto-framing, which also require NPUs.
The one constant around AI these days is that everything is changing quickly. Since I started writing this piece, Microsoft announced Copilot would be upgraded with the more powerful GPT-4 Turbo and Dall-E 3 models, which will make them even more capable. Perhaps Microsoft and OpenAI will eventually be able to fix all of the issues I’ve seen with Copilot so far, and ultimately deliver a transformative AI tool that’s easily available to everyone. But I also hoped for the best when it came to the company’s dual-screen Duo and Neo plans, and all I got in return was disappointment.
This article originally appeared on Engadget at https://www.engadget.com/microsoft-bet-big-on-ai-in-2023-but-its-ai-future-is-still-unclear-143055721.html?src=rss
A video of Taters the cat beamed across 19 million miles of space because NASA had to try it. It was a successful demonstration of new laser communication technology, through which NASA beamed an ultra-high-definition video across deep space, from the Psyche spacecraft back to Earth. The signal from the video, sent on December 11, made it to Earth in 101 seconds.
That data speed — through space — is faster than most broadband connections on Earth.
— Mat Smith
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It’s offering publishers deals worth at least $50 million, according to The New York Times.
Apple has apparently started negotiating with major publishers and news organizations to use their content to train its generative AI system. The company doesn’t expect to get its hands on content for free, though, and The New York Times says it’s offering them multi-year deals worth at least $50 million. While some of the publishers are reportedly concerned about the repercussions of letting Apple use their news articles throughout the years, the company is building goodwill simply by asking for permission and showing willingness to pay.
The Humane Ai Pin is expected to start shipping in March. On Friday, the company posted on X that “those who placed priority orders will receive their Ai Pins first when we begin shipping in March.” The company previously gave an “early 2024” estimate for the screen-less, $66 wearable device, which Humane believes is the next-gen hardware to replace smartphones.
Instead of a screen, the Ai Pin relies on voice cues and a projector that beams info onto the user’s hand.
Mint Mobile, the prepaid mobile carrier backed by Ryan Reynolds, notified customers via email this weekend that their information may have been stolen in a security breach. That information includes names, phone numbers, email addresses and SIM and IMEI numbers. Hackers did not access customers’ credit card information, which Mint says is not stored, nor were passwords compromised.
This article originally appeared on Engadget at https://www.engadget.com/the-morning-after-nasa-beamed-a-cat-video-from-deep-space-to-earth-121540007.html?src=rss
Mint Mobile, the prepaid mobile carrier backed by Ryan Reynolds, notified customers via email this weekend that their information may have been stolen in a security breach, according to BleepingComputer. That information includes names, phone numbers, email addresses, plan descriptions, and SIM and IMEI numbers — which could be used for SIM swap attacks.
After a Reddit user posted a screenshot of the email and questioned if it was a scam, the Mint account responded to confirm its validity and said a customer support number has been set up to handle questions about the breach. Hackers did not access customers’ credit card information, which Mint says is not stored, nor were passwords compromised, BleepingComputer reports. The company also said it has since resolved the breach and customers do not need to take any action.
This article originally appeared on Engadget at https://www.engadget.com/mint-mobile-says-hackers-accessed-customer-information-during-a-security-breach-185215800.html?src=rss
Sand, salt, iron, copper, oil and lithium — these foundational materials are literally what the modern world is built on. Without sand for glass, say goodbye to our fiber optic internet. No copper means no conductive wiring. And a world without lithium is a world without rechargeable batteries.
For the final installment of Hitting the Books for 2023, we're bringing you an excerpt from the fantastic Material World: The Six Raw Materials That Shape Modern Civilization by Ed Conway. A finalist for the Financial Times and Schroders Business Book of the Year award, Material World walks readers through the seismic impacts these six substances have had on human civilization throughout history, using a masterful mix of narrative storytelling and clear-eyed technical explanation. In the excerpt below, Conway discusses how the lithium ion battery technology that is currently powering the EV revolution came into existence.
Thanks very much for reading Hitting the Books this year, we'll be back with more of the best excerpts from new and upcoming technology titles in post-CES January, 2024!
The first engineer to use lithium in a battery was none other than Thomas Edison. Having mastered the manufacture of concrete by focusing religiously on improving the recipe and systematising its production, he sought to do much the same thing with batteries. The use of these devices to store energy was not especially new even when he began working on them at the dawn of the twentieth century. Indeed, the very earliest days of the electrical era were powered almost exclusively by batteries. Back before the invention of the dynamos and generators that produce most of our electricity today, the telegraphs and earliest electric lights ran on primitive batteries.
Their chemistry went back to Alessandro Volta, an Italian who, at the turn of the nineteenth century, had discovered that by stacking layers of zinc and copper discs separated by cardboard soaked in brine, he could generate an electric current, flowing from one electrode (in this case the metallic discs) to the other. His pile of electrodes was the world’s first battery — a voltaic cell — or as it’s still sometimes called, a pile (since a pile is precisely what it was). That brings us to the prickly question of what to call these things. Purists would argue that a single one of these units, whether it was Volta’s first effort or the thing you find in your smartphone, should be called a cell. A battery, they say, is a word only to be used about an array of multiple cells. But these days most people (including this author) use the words interchangeably.
Half a century later the French physicist Gaston Planté came up with the first rechargeable battery using a spiral of lead electrodes bathed in acid, housed in a glass container. Lead-acid batteries, versions of which are still used to help start car engines today, could provide quick bursts of power, but their relatively low energy density meant they were not especially good at storing power.
In an effort to improve on the chemistry, Edison began to experiment his way through the periodic table. Out went lead and sulphuric acid and in came a host of other ingredients: copper, cobalt and cadmium to name just a few of the Cs. There were many false starts and one major patent battle along the way but eventually, after a decade of experimentation, Edison landed upon a complex mixture of nickel and iron, bathed in a potassium hydroxide solution and packed into the best Swedish steel.
“The only Storage Battery that has iron and steel in its construction and elements,” read the advertising.
Edison’s experiments underlined at least one thing. While battery chemistry was difficult, it was certainly possible to improve on Planté’s lead–acid formula. After all, as Edison once said, “If Nature had intended to use lead in batteries for powering vehicles she would not have made it so heavy.” And if lead was a heavy metal then there was no doubt about the lightest metal of all — the optimal element to go into batteries. It was there at the opposite end of the periodic table, all the way across from lead, just beneath hydrogen and helium: lithium. Edison added a sprinkling of lithium hydroxide to the electrolyte solution in his battery, the so-called A cell, and, alongside the potassium in the liquid and the nickel and iron electrodes, it had encouraging results. The lithium lifted the battery’s capacity by 10 per cent — though no one could pin down the chemistry going on beneath the surface.
In the following years, scientists followed in Edison’s footsteps and developed other battery chemistries, including nickel–cadmium and nickel–metal hydride, which are the basis for most consumer rechargeable batteries such as the AA ones you might have at home. However, they struggled to incorporate the most promising element of all. Decade after decade, scientific paper after paper pointed out that the ultimate battery would be based on a lithium chemistry. But up until the 1970s no one was able to tame this volatile substance enough to put it to use in a battery. Batteries are a form of fuel — albeit electrochemical rather than fossil. What occurs inside a battery is a controlled chemical reaction, an effort to channel the explosive energy contained in these materials and turn that into an electric current. And no ingredient was more explosive than lithium.
The first breakthrough came in the 1970s at, of all places, Exxon-Mobil, or as it was then known, Esso. In the face of the oil price shock, for a period the oil giant had one of the best-funded battery units anywhere, staffed by some of the world’s most talented chemists trying to map out the company’s future in a world without hydrocarbons. Among them was a softly spoken Englishman called Stan Whittingham. Soon enough Whittingham had one of those Eureka moments that changed the battery world forever.
Up until then, one of the main problems facing battery makers was that every time they charged or discharged their batteries it could change the chemical structure of their electrodes irreversibly. Edison had spent years attempting to surmount this phenomenon, whose practical consequence was that batteries simply didn’t last all that long. Whittingham worked out how to overcome this, shuttling lithium atoms from one electrode to the other without causing much damage.
At the risk of causing any battery chemists reading this to wince, here is one helpful way of visualising this. Think of batteries as containing a set of two skyscrapers, one of which is an office block and the other is an apartment block. These towers represent the anode and cathode — the negative and positive electrodes. When a rechargeable smartphone or electric car battery is empty, what that means in electrochemical terms is that there are a lot of lithium atoms sitting in the cathode — in the apartment block — doing very little.
But when that battery gets charged, those atoms (or, as they’re technically called, since they hold a charge, ions) shuttle across to the other skyscraper — the anode or, in this analogy, the office block. They go to work. And a fully charged battery is one where the anode’s structure is chock-full of these charged lithium ions. When that battery is being used, the ions are shuttling back home to the apartment block, generating a current along the way.
Understand this shuttling to and fro between cathode and anode and you understand broadly how rechargeable batteries work. This concept — the notion that ions could travel across from the crystalline structure of one electrode to nest in the crystalline structure of another — was Whittingham’s brainwave. He called it intercalation, and it’s still the basis of how batteries work today. Whittingham put the theory to work and created the world’s first rechargeable lithium battery. It was only a small thing — a coin-sized battery designed for use in watches — but it was a start. Per kilogram of weight (or rather, given its size, per gram), his battery could hold as much as 15 times the electrical charge of a lead–acid battery. But every time Whittingham tried to make a battery any bigger than a small coin cell, it would burst into flames. In an effort to tame the inherent reactivity of lithium, he had alloyed it with aluminium, but this wasn’t enough to subdue it altogether. So Whittingham’s battery remained something of a curio until the following decade, when researchers working in the UK and Japan finally cracked the code.
The key figure here is an extraordinary man called John B. Goodenough, an American physicist who, as it happens, was born in Jena, the German city where Otto Schott and Carl Zeiss first perfected technical glassmaking. After studying at Yale, Chicago and the Massachusetts Institute of Technology, Goodenough eventually found himself in charge of the inorganic chemistry lab at the University of Oxford in the late 1970s and early 1980s, where he played the pivotal role in the battery breakthrough. Among his team’s achievements — commemorated today in a blue plaque on the outside of the lab — was the discovery of the optimal recipe for the cathode (that apartment skyscraper) in a lithium-ion battery. The material in question was lithium cobalt oxide, a compound that improved the safety and the capacity of these batteries, providing them with a stable cathode matrix in which the lithium ions could nest. It wasn’t that battery explosions could be ruled out, but at least they were no longer inevitable.
The final intellectual leaps occurred a few years later in Japan, where a researcher called Akira Yoshino perfected the other ingredients. He paired Goodenough’s lithium cobalt oxide cathode with an anode made from a particular type of graphite — that very variety they still make from the needle coke produced at the Humber Refinery — and the combination worked brilliantly. Lithium ions shuttled safely and smoothly from one side to another as he charged and discharged the battery. He also worked out the best way to fit these two electrodes together: by pasting the materials on to paper-thin sheets and coiling them together in a metal canister, separated by a thin membrane. This final masterstroke — which meant that if the battery began to overheat the separator would melt, helping to prevent any explosion — also evoked those first cells created in France by Gaston Planté. The rechargeable battery began life as a spiral of metal compressed into a canister; after more than a century of experimentation and a complete transformation of materials, it came of age in more or less the same form.
But it would take another few years for these batteries to find their way into consumers’ hands, and it would happen a long way from either Esso’s laboratories or Oxford’s chemistry labs. Japanese electronics firm Sony had been on the lookout for a better battery to power its camcorders, and came across the blueprints drawn up by Goodenough and adjusted by Yoshino. Adapting these plans and adding its own flourishes, in 1992 it created the first production lithium-ion battery: an optional power pack for some of their Handycam models. These packs were a third smaller and lighter than the standard nickel–metal hydride batteries, yet they carried even more capacity. In the following years, lithium-ion batteries gradually proliferated into all sorts of devices, but it wasn’t until the advent of the smartphone that they found their first true calling. These devices, with their circuitry, their semiconductors, their modem chips and bright displays, are incredibly power hungry, demanding the most powerful of all batteries. Today, almost all smartphones run on batteries derived from the discoveries of Whittingham, Goodenough and Yoshino. The trio was awarded the Nobel Prize in Chemistry in 2019.
That this invention — first prototyped in America and then mostly developed in England — only came to be mass produced in Japan is one of those topics that still causes frustration in the Anglophone world. Why, when so many of the intellectual advances in battery design happened in Europe and the Americas, was production always dominated by Asia? The short answer was that Japan had a burgeoning market for the manufacture of the very electronic goods — initially video cameras and Walkmans — that needed higher-density batteries.
As the 1990s gave way to the 2000s, lithium-ion batteries became an essential component of the electronic world, in laptops, smartphones and, eventually, electric cars. Smartphones could not have happened without the extraordinary silicon chips inside, powering the circuitry, housing the processing units and bestowing memory storage, not to mention providing optical sensors for the camera. But none of these appliances would have been practical without light, powerful batteries of far greater energy density than their predecessors.
All of which is why demand for lithium has begun to outstrip our ability to extract it from the earth. And unlike copper or iron, which we have many centuries’ experience producing, the lithium industry remains in its infancy. Up until recently there were few mines and the pools in the Salar de Atacama were still relatively small. Today they are big enough to be easily visible from space, a gigantic pastel paint palette smack bang in the middle of the desert.
This article originally appeared on Engadget at https://www.engadget.com/hitting-the-books-material-world-ed-conway-knopf-153010572.html?src=rss
The Humane AI Pin is expected to start shipping in March. On Friday, the company posted on X (Twitter) that “those who placed priority orders will receive their Ai Pins first when we begin shipping in March.” The company had previously given an “early 2024” estimate for the screen-less wearable device designed to replace a smartphone.
Humane, founded by former Apple employees Bethany Bongiorno and Imran Chaudhri, views the smartphone (still their ex-employer’s bread and butter) as on its last legs. “The last era has plateaued,” TechCrunchreported Chaudhri as saying in a November press briefing. He views the AI-powered wearable product as “a new way of thinking, a new sense of opportunity.”
We are thrilled to announce that Ai Pin will start shipping in March 2024.
All of us here at Humane can’t wait for you to experience your Ai Pin, the world’s first wearable computer powered by Ai. We’re incredibly grateful for the enthusiasm and support, especially from our… pic.twitter.com/kTe4d3Jee7
The $699 Humane AI Pin doesn’t have a screen; instead, it relies on voice cues and a projector that beams relevant info onto the user’s hand. The founders flaunt the device’s privacy focus combined with contextual intelligence, promising it “quickly understands what you need, connecting you to the right AI experience or service instantly.” Partnerships with OpenAI, Microsoft and Tidal provide what the company calls “access to some of the world’s most powerful AI models and platforms.”
The pin runs on a quad-core Snapdragon processor with a dedicated Qualcomm AI Engine powering its Cosmos OS software. It ships in three color options, two of which add an extra $100 to its price. Buyers must pay $24 monthly to access the pin’s cellular data, built as an MVNO (mobile virtual network operator) on top of T-Mobile’s network.
In addition to providing the March shipping date, Humane says the remaining orders will continue to roll out in the order they were received. Engadget emailed the company to ask when it expects current orders to go out, and we’ll update this article if it responds.
The Humane AI Pin is available to pre-order now from Humane’s website. The Eclipse (matte black on black) costs $699, while Lunar (polished chrome on white) and Equinox (polished chrome on black) colorways will set you back $799.
This article originally appeared on Engadget at https://www.engadget.com/humane-ai-pin-orders-will-start-shipping-in-march-185449334.html?src=rss
While it's a bit too late to receive most gifts in time for Christmas, there are still a handful of good gadget deals floating around if you're shopping for yourself. If you need a new laptop today, for instance, multiple configurations of the 13-inch MacBook Air are $200 off Apple's list price. The 15-inch Air, meanwhile, is available for as low as $999, a $300 discount. A bundle of Apple's AirTags is down to $79, while a pack of Tile trackers is down to $50. The Xbox Series X is still $150 off, and the major video game storefronts have kicked off their annual winter sales, with sweeping discounts across Steam, the Nintendo eShop, the PlayStation Store and the Microsoft Store. We're also seeing price drops on recommended gaming mice, wall chargers, wireless earbuds and more. Here are the best tech deals from this week that you can still get today.
A configuration of the 13.6-inch MacBook Air with an Apple M2 chip, 16GB of RAM and a 512GB SSD is down to $1,299 at B&H. That's $200 off Apple's list price. If you can live with less storage and memory, a variant with 8GB of RAM and a 256GB SSD is also $200 off at $899. A version of the 15.3-inch Air with the same specs, meanwhile, is $300 off and down to an all-time low of $999. The M2 MacBook Air is the top pick in our guide to the best laptops, and both models earned a score of 96 in their respective reviews.
That said, you should only grab one of these if you need a notebook right away, as a recent report fromBloomberg's Mark Gurman said that Apple plans to launch updated MacBook Airs in the coming months. If you absolutely can't wait, however, the current models remain supremely well-built and should perform well for everyday tasks for years to come.
If you want a more affordable desktop PC, the M2 Mac mini is also on sale for an all-time low of $479. That's about $30 off its usual street price, though, again, it's likely just a matter of time until we see a refresh with Apple's new M3 chip.
It's a great time to pick up a new video game, as Steam, Nintendo, PlayStation and Xbox have all kicked off their respective holiday sales. There are simply too many deals for us to list them all here, but one highlight is Baldur's Gate 3 for $54. That's only $6 off its usual price, but it's the first discount to date for the recent game of the year winner and recommendation in our guide to the best couch co-op games. The PS5 version of the RPG is also on sale for $63, another 10 percent discount.
There are hundreds more deals beyond those, so it's worth perusing the sales for yourself if you're looking to pad your backlog. (Use sites like Deku Deals and IsThereAnyDeal to ensure you're getting a good price.) All of these promos will run into 2024, so even if you don't want anything right now, you'll have time to apply any gift cards you may receive over the holidays. PC gamers should note that the Epic Games Store is still running its holiday sale, which includes a recurring 33 percent coupon that makes many games cheaper than they are on Steam and other storefronts.
The Apple AirTag is the top pick for iPhone owners in our Bluetooth tracker buying guide, as it can utilize Apple's giant Find My device network to locate lost items with impressive accuracy. Right now you can get a single AirTag for $24, which is $6 off Apple's list price, or a four-pack for $79, which is $20 off. The former is about $1 off the lowest price we've tracked; the latter is a deal we've seen for much of the past few weeks, but it still comes within $5 of its all-time low. Just be aware that you'll need an extra accessory or two if you want to attach an AirTag to a particular item, as it lacks any keyring holes or built-in adhesive. These deals are available at several retailers, including Amazon, Walmart and Best Buy.
Tile's trackers are among the better AirTag alternatives for Android users, and right now a four-pack that includes two Tile Mates, a Tile Slim and a Tile Sticker is down to a new low of $50. Normally, this bundle costs about $75. Tile's devices generally aren't as precise as AirTags, but its feature set is mostly similar and its crowd-finding network is still decently large. The varying designs here are more convenient, too — you can easily slip a Tile Slim into a wallet and attach a Tile Mate to a keyring without any third-party accessories. None of these devices have replaceable batteries, however, and Tile locks separation alerts (which let you know when you've travelled too far from a tracked item) behind a subscription fee.
The Xbox Series X is still $150 off and down to $350 at Best Buy, Walmart and Target, though the latter two may require in-store pickup. If those offers run dry, you can still get a bundle that pairs the console with the action-RPG Diablo IV for $50 more. While the console briefly dipped to $340 earlier this week, these are still nice entry points to Microsoft's highest-end game console, which can play many games at a steady 4K/60 fps. The hardware also includes a disc drive, unlike the lower-cost Xbox Series S. And while the Xbox library is a bit light on top-tier exclusives, it still includes a diverse range of games we like. There's a chance Microsoft launches an all-digital Series X refresh at some point in 2024, but the existing model is an easier buy at this price.
The Ultimate Ears Wonderboom 3 is down to $60 at Amazon and Target, which is a little more than $20 off the compact portable speaker's typical street price. To sweeten the deal, both retailers are throwing in $10 of store credit alongside the purchase. That'll come in the form of an e-gift card at Target, while Amazon says it'll apply the credit to your account 30 days after shipment. We recommend the Wonderboom 3 in our guide to the best portable Bluetooth speakers, praising its rugged, waterproof design and punchy-for-the-size sound quality. Battery life should last between 14 and 20 hours depending on how much you crank the volume.
The Razer Basilisk V3 is on sale for $40 at Amazon, Target and Best Buy, a $10 discount that matches the deal price we saw on Black Friday. This is the top pick in our gaming mouse buying guide. It's not especially light at 100 grams, but it performs reliably, and its sturdy, contoured shape should be comfortable for any grip type. It comes with 11 customizable buttons, and its scroll wheel is impressively versatile, as it can tilt left or right and utilize a free spin mode for faster scrolling. Though the design looks "gamer-y," its RGB lighting isn't overly aggressive, either.
The Anker 735 Charger is down to $30 at Amazon, which is about $10 off its typical street price. This is a fairly compact wall charger with two USB-C ports and a USB-A port. It can supply up to 65W of power, which is enough to refill many smartphones at full speed and charge some smaller laptops. If you need more juice, the Anker 736 Charger is a bit larger but can deliver up to 100W; that one is $15 off and down to $45 with an on-page coupon.
The Bose QuietComfort Ultra Earbuds are back on sale for $249 at several retailers, which isn't an all-time low but still takes $50 off the pair's usual going rate. It also ties the deal we saw on Black Friday. The QuietComfort Ultra Earbuds earned a score of 88 in our review this past September, and they're currently the "best for noise cancellation" pick in our wireless earbuds buying guide. If you just want the strongest active noise cancellation (ANC) possible in a true wireless form factor, they're better at muting the outside world than any earbuds we've tested. Their default sound goes heavy on the bass, which should please fans of hip-hop and EDM, but you can customize the EQ curve if needed. The design is on the larger side, however, and their battery life and call quality are just OK.
Sony's WF-1000XM5, the top pick in our guide, is currently available for a dollar less, though that discount has been available for most of the past two months. The WF-10000XM5 is still a more well-rounded option on the whole, but the QuietComfort Ultra Earbuds' ANC is more adept at muting low-end noises like the rumble of a plane or bus engine.
The Beats Fit Pro is the "best for workouts" pick in our wireless earbuds guide, and it's now on sale for $160 at Amazon, Walmart and others. We've seen this deal several times in the past year, but it's a decent $20 less than the pair's typical street price. The Fit Pro packs many of the Apple-friendly conveniences of the AirPods Pro — hands-free Siri, easy pairing and audio switching, spatial audio, etc. — in a sportier and more stable design. It sounds nice, too, plus it uses physical buttons instead of touch controls. That said, it lacks wireless charging, it can't connect to multiple devices simultaneously and its ANC can't really touch the better options on the market. We gave the Fit Pro a score of 87 in our review. A few other Beats models are also on sale, including the more basicStudio Buds for $80.
The 55-inch version of Hisense's U6K TV is back down to $350 at Amazon and Best Buy, tying the all-time low we saw around Black Friday. Normally, it retails for $50 to $100 more. Though we don't review TVs at Engadget, the U6K has receivedpositivereviewsfrom other sites we trust for delivering better-than-usual picture quality for a budget-level TV. It's one of the few sets in this price range to use mini-LED backlighting, quantum dots and full-array local dimming, which collectively improve its color volume and contrast performance. Reviews say it can't get as bright as more expensive models, so it won't be great for HDR content, and its image will wash out when viewed from an angle. It's also not ideal for gaming, as it's stuck at a basic 60Hz refresh rate and lacks HDMI 2.1 ports. But if you don't have tons of cash to burn, it should provide strong value.
If you're willing to pay a little extra and don't mind dropping down to a 48-inch TV, the LG A2 is also worth noting at its current price of $550 at Best Buy. This is another deal we've seen numerous times, but it ties the best price we've tracked. The A2 is LG's entry-level OLED TV from 2022, but simply being an OLED set means it produces superior contrast, bolder colors, wider viewing angles and smoother motion than most options in this price range. It can't get especially bright, so it's best suited away from glare, and like the U6K it lacks HDMI 2.1 features for gaming like VRR. Still, it should be a nice step-up option for smaller or secondary rooms.
The 8BitDo Ultimate Bluetooth Controller is on sale for $56 at Best Buy. That's a few bucks higher than the lowest price we've tracked but still $14 off the device's typical going rate. The Ultimate Bluetooth Controller is a comfortable and deeply customizable wireless gamepad for Switch and PC that we've highlighted before. The big advantage it has over most official controllers is its Hall effect joysticks, which use magnets to read inputs instead of contact-based potentiometers. That means it should be less susceptible to wear over time and avoid the dreaded “stick drift” we often see with traditional gamepads. An accurate d-pad, a nifty charging dock and a pair of customizable back buttons are all nice to have as well.
The latest Amazon Fire HD 10 tablet is on sale for $90, which is $10 more than the all-time low we saw on Black Friday but still $50 off its usual going rate. At this price, the Fire HD 10 is one of the better values for those who just want a cheap slate for media consumption. Its 10.1-inch 1080p display is decently sharp and bright, its battery lasts a solid 10-ish hours per charge and it performs fine for simple web browsing and video streaming. This model only comes with 32GB of storage, but you can expand that with a microSD card. Its matte plastic design is still a far cry from an iPad's build quality, and Amazon's Fire OS is still a bit of a mess, with lock-screen ads, a limited app store and a general tendency to push you toward the company's own services. But if you really can't spend more than $100 on a new tablet, the Fire HD 10 should be an acceptable compromise.
The 32-inch Samsung Smart Monitor M80C is back down to $400 at Amazon, B&H and other retailers. That's a roughly $100 discount and the best price we've seen outside of education-related special offers. This is one of the more versatile monitors on the market, as it comes with the Tizen platform you'd find on Samsung's smart TVs built-in. This allows the device to access various streaming services without having to connect to a PC. It's a decent 4K monitor in its own right, with a VA panel that delivers high contrast, though it's limited to a 60Hz refresh rate and will look washed out from an angle. You'd buy it for the extra functionality first: Apart from the built-in app support, it can function as a smart home hub, it supports Apple AirPlay and it works with both Alexa and Bixby. There are built-in speakers and a dedicated webcam as well.
This article originally appeared on Engadget at https://www.engadget.com/apples-macbook-air-m2-is-up-to-300-off-plus-the-rest-of-the-weeks-best-tech-deals-165034046.html?src=rss
If you haven’t heard, the popular budgeting app Mint is about to go away. Parent company Intuit will shut down the service on March 24, 2024. The company suggests folks migrate to its other personal finance app, Credit Karma. Mint had 3.6 million active users as of 2021, according to Bloomberg, and I’m one of them. I use the app to track all of my accounts in one place without having to log into too many disparate banking apps. But I’ve also used it to monitor my credit score, stick to a monthly budget, and set goals like building a rainy-day fund or paying down my mortgage faster.
Intuit has not commented on whether it intends to fold Mint’s budgeting features into Credit Karma but as it stands, Credit Karma is not a Mint substitute: It’s meant to monitor your credit and, Intuit hopes, steer you toward credit cards and various other financial products.
So, over the past month, I’ve downloaded a good half-dozen competing money apps to see if any might cut it as a permanent Mint replacement. What follows is the guide I would have wanted to read: a comparison of budgeting apps that promise to track your net worth and spending in one place. Join me as I fall down a rabbit hole.
How we tested
First, I had to do some research. To find a list of apps to test, I consulted trusty ol’ Google (and even trustier Reddit); read reviews of popular apps on the App Store; and also asked friends and colleagues what budget tracking apps they might be using. Some of the apps I found were free, just like Mint. These, of course, show loads of ads (excuse me, “offers”) to stay in business. But most of the available apps require paid subscriptions, with prices typically topping out around $100 a year, or $15 a month. (Spoiler: My top pick is cheaper than that.)
Since this guide is meant to help Mint users find a permanent replacement, any services I chose to test needed to do several things: import all of your account data into one place; offer budgeting tools; and track your spending, net worth and credit score. Except where noted, all of these apps are available for iOS, Android and on the web.
Once I had my shortlist of six apps, I got to work setting them up. For the sake of thoroughly testing these apps (and remember, I really was looking for a Mint alternative myself), I made a point of adding every account to every tracking app, no matter how small or immaterial the balance. What ensued was a veritable Groundhog Day of two-factor authentication. Just hours of entering passwords and one-time passcodes, for the same banks half a dozen times over. Hopefully, you only have to do this once.
What is Plaid and how does it work?
Dana Wollman / Engadget
Each of the apps I tested uses the same underlying network, called Plaid, to pull in financial data, so it’s worth explaining up top what it is and how it works. Plaid was founded as a fintech startup in 2013 and is today the industry standard in connecting banks with third-party apps. Plaid works with over 12,000 financial institutions across the US, Canada and Europe. Additionally, more than 8,000 third-party apps and services rely on Plaid, the company claims.
To be clear, you don’t need a dedicated Plaid app to use it; the technology is baked into a wide array of apps, including the budget trackers I tested for this guide. Once you find the “add an account” option in whichever one you’re using, you’ll see a menu of commonly used banks. There’s also a search field you can use to look yours up directly. Once you find yours, you’ll be prompted to enter your login credentials. If you have two-factor authentication set up, you’ll need to enter a one-time passcode as well.
As the middleman, Plaid is a passthrough for information that may include your account balances, transaction history, account type and routing or account number. Plaid uses encryption, and says it has a policy of not selling or renting customer data to other companies. However, I would not be doing my job if I didn’t note that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for collecting “more financial data than was needed.” As part of the settlement, Plaid was compelled to change some of its business practices.
In a statement provided to Engadget, a Plaid spokesperson said the company continues to deny the allegations underpinning the lawsuit and that “the crux of the non-financial terms in the settlement are focused on us accelerating workstreams already underway related to giving people more transparency into Plaid’s role in connecting their accounts, and ensuring that our workstreams around data minimization remain on track.”
How to import your financial data from Mint
If only importing data from Mint were as easy as entering your credentials from inside your new budgeting app and hitting “import.” In fact, any app that advertises the ability to port over your stats from Mint is just going to have you upload a CSV file of transactions and other data.
To download a CSV file from Mint, do the following:
Sign into Mint.com and hit Transactions in the menu on the left side of the screen.
Select an account, or all accounts.
Scroll down and look for “export [number] transactions” in smaller print.
Your CSV file should begin downloading.
Note: Downloading on a per-account basis might seem more annoying, but could help you get set up on the other side, if the app you’re using has you importing transactions one-for-one into their corresponding accounts.
The best budgeting app overall: Quicken Simplifi
No pun intended, but what I like about Quicken Simplifi is its simplicity. Whereas other apps try to distinguish themselves with dark themes and customizable emoji, Simplifi has a clean user interface, with a landing page that you just keep scrolling through to get a detailed overview of all your stats. These include your top-line balances; net worth; recent spending; upcoming recurring payments; a snapshot of your spending plan; top spending categories; achievements; and any watchlists you’ve set up. You can also set up savings goals elsewhere in the app. I also appreciate how it offers neat, almost playful visualizations without ever looking cluttered. I felt at home in the mobile and web dashboards after a day or so, which is faster than I adapted to some competing services (I’m looking at you, YNAB and Monarch).
Getting set up with Simplifi was mostly painless. I was particularly impressed at how easily it connected to Fidelity; not all budget trackers do, for whatever reason. This is also one of the only services I tested that gives you the option of inviting a spouse or financial advisor to co-manage your account.
Dana Wollman / Engadget
In practice, Simplifi miscategorized some of my expenses, but nothing out of the ordinary compared to any of these budget trackers. As you’re reviewing transactions, you can also mark if you’re expecting a refund, which is a unique feature among the services I tested. Simplifi also estimated my regular income better than some other apps I tested. Most of all, I appreciated the option of being able to categorize some, but not all, purchases from a merchant as recurring. For instance, I can add my two Amazon subscribe-and-saves as recurring payments, without having to create a broad-strokes rule for every Amazon purchase.
The budgeting feature is also self-explanatory. Just check that your regular income is accurate and be sure to set up recurring payments, making note of which are bills and which are subscriptions. This is important because Simplifi shows you your total take-home income as well as an “income after bills” figure. That number includes, well, bills but not discretionary subscriptions. From there, you can add spending targets by category in the “planned spending” bucket. Planned spending can also include one-time expenditures, not just monthly budgets. When you create a budget, Simplifi will suggest a number based on a six-month average.
Not dealbreakers, but two things to keep in mind as you get started: Simplifi is notable in that you can’t set up an account through Apple or Google. There is also no option for a free trial, though Quicken promises a “30-day money back guarantee.”
The best budgeting app (runner-up): Monarch Money
Monarch Money grew on me. My first impression of the app, which was founded by a former Mint product manager, was that it's more difficult to use than others on this list, including Simplifi, NerdWallet and Copilot. And it is. Editing expense categories, adding recurring transactions and creating rules, for example, is a little more complicated than it needs to be, especially in the mobile app. (My advice: Use the web app for fine-tuning details.) Monarch also didn’t get my income right; I had to edit it.
Once you’re set up, though, Monarch offers an impressive level of granularity. In the budgets section, you can see a bona fide balance sheet showing budgets and actuals for each category. You'll also find a forecast, for the year or by month. And recurring expenses can be set not just by merchant, but other parameters as well. For instance, while most Amazon purchases might be marked as “shopping,” those for the amounts of $54.18 or $34.18 are definitely baby supplies, and can be automatically marked as such each time, not to mention programmed as recurring payments. Weirdly, though, there’s no way to mark certain recurring payments as bills, specifically.
Dana Wollman / Engadget
The mobile app is mostly self-explanatory. The main dashboard shows your net worth; your four most recent transactions; a month-over-month spending comparison; income month-to-date; upcoming bills; an investments snapshot; a list of any goals you’ve set; and, finally, a link to your month-in-review. That month-in-review is more detailed than most, delving into cash flow; top income and expense categories; cash flow trends; changes to your net worth, assets and liabilities; plus asset and liability breakdowns.
On the main screen, you’ll also find tabs for accounts, transactions, cash flow, budget and recurring. Like many of the other apps featured here, Monarch can auto-detect recurring expenses and income, even if it gets the category wrong. (They all do to an extent.) Expense categories are marked by emoji, which you can customize if you’re so inclined.
Monarch Money uses a combination of Plaid and Finicity, a competing network owned by Mastercard. Similar to NerdWallet, I found myself completing two-factor authentication every time I wanted to get past the Plaid screen to add another account. Notably, Monarch is the only other app I tested that allows you to grant access to someone else in your family — likely a spouse or financial advisor. Monarch also has a Chrome extension for importing from Mint, though really this is just a shortcut for downloading a CSV file, which you’ll have to do regardless of where you choose to take your Mint data.
The best up-and-comer: Copilot Money
Copilot Money might be the best-looking budget tracker I tested. It also has the distinction of being exclusive to iOS and Macs — at least for now. Andres Ugarte, the company’s CEO, has publicly promised that Android and web apps are coming in 2024 (more likely the second half of the year, Ugarte tells me). But until it follows through, I can’t recommend Copilot for most people with so many good competitors out there.
Copilot Money for Web and Android!
Thanks to the support from our users, and the overwhelming positive reception we're seeing from folks migrating from Mint, we can now say that we'll be building @copilotmoney for Web and Android with a goal to launch in 2024.
There are other features that Copilot is missing, which I’ll get into. But it is promising, and one to keep an eye on. It’s just a fast, efficient, well designed app, and Android users will be in for a treat when they’ll finally be able to download it. It makes good use of colors, emoji and graphs to help you understand at a glance how you’re doing on everything from your budgets to your investment performance to your credit card debt over time. In particular, Copilot does a better job than almost any other app of visualizing your recurring monthly expenses.
Behind those punchy colors and cutesy emoji, though, is some sophisticated performance. Copilot’s AI-powered “Intelligence” gets smarter as you go at categorizing your expenses. (You can also add your own categories, complete with your choice of emoji.) It’s not perfect. Copilot miscategorized some purchases (they all do), but it makes it easier to edit than most. On top of that, the internal search feature is very fast; it starts whittling down results in your transaction history as soon as you begin typing.
Dana Wollman / Engadget
Copilot is also unique in offering Amazon and Venmo integrations, allowing you to see transaction details. With Amazon, this requires just signing into your Amazon account via an in-app browser. For Venmo, you have to set up fwd@copilot.money as a forwarding address and then create a filter, wherein emails from venmo@venmo.com are automatically forwarded to fwd@copilot.money.
While the app is heavily automated, I still appreciate that Copilot marks new transactions for review. It’s a good way to both weed out fraudulent charges, and also be somewhat intentional about your spending habits.
Because the app is relatively new (it launched in early 2020), the company is still catching up to the competition on some table-stakes features. Ugarte told me that his team is almost done building out a detailed cash flow section, which could launch before the end of 2023, but more likely in early 2024. On its website, Copilot also promises a raft of AI-powered features that build on its current “Intelligence” platform, the one that powers its smart expense categorization. These include “smart financial goals,” natural language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is meant to give people a sense of how they’re doing compared to other Copilot users, on both spending and investment performance. Most of these features should arrive in the ne
Copilot does a couple interesting things for new customers that distinguish it from the competition. There’s a “demo mode” that feels like a game simulator; no need to add your own accounts. The company is also offering two free months with RIPMINT — a more generous introductory offer than most. When it finally does come time to pony up, the $7.92 monthly plan is cheaper than some competing apps, although the $95-a-year-option is in the same ballpark.
The best free budgeting app: NerdWallet
You may know NerdWallet as a site that offers a mix of personal finance news, explainers and guides. I see it often when I google a financial term I don’t know and sure enough, it’s one of the sites I’m most likely to click on. As it happens, NerdWallet also has the distinction of offering one of the only free budget tracking apps I tested. In fact, there is no paid version; nothing is locked behind a paywall. The main catch: There are ads everywhere. To be fair, the free version of Mint was like this, too.
Even with the inescapable credit card offers, NerdWallet has a clean, easy-to-understand user interface, which includes both a web and a mobile app. The key metrics that it highlights most prominently are your cash flow, net worth and credit score. (Of note, although Mint itself offered credit score monitoring, most of its rivals do not.) I particularly enjoyed the weekly insights, which delve into things like where you spent the most money or how much you paid in fees — and how that compares to the previous month. Because this is NerdWallet, an encyclopedia of financial info, you get some particularly specific category options when setting up your accounts (think: a Roth or non-Roth IRA).
Dana Wollman / Engadget
As a budgeting app, NerdWallet is more than serviceable, if a bit basic. Like other apps I tested, you can set up recurring bills. Importantly, it follows the popular 50/30/20 budgeting rule, which has you putting 50% of your budget toward things you need, 30% toward things you want, and the remaining 20% into savings or debt repayments. If this works for you, great — just know that you can’t customize your budget to the same degree as some competing apps. You can’t currently create custom spending categories, though a note inside the dashboard section of the app says “you’ll be able to customize them in the future.” You also can’t move items from the wants column to “needs” or vice versa but “In the future, you'll be able to move specific transactions to actively manage what falls into each group.” A NerdWallet spokesperson declined to provide an ETA, though.
Lastly, it’s worth noting that NerdWallet had one of the most onerous setup processes of any app I tested. I don’t think this is a dealbreaker, as you’ll only have to do it once and, hopefully, you aren’t setting up six or seven apps in tandem as I was. What made NerdWallet’s onboarding especially tedious is that every time I wanted to add an account, I had to go through a two-factor authentication process to even get past the Plaid splash screen, and that’s not including the 2FA I had set up at each of my banks. This is a security policy on NerdWallet’s end, not Plaid’s, a Plaid spokesperson says.
Precisely because NerdWallet is one of the only budget trackers to offer credit score monitoring, it also needs more of your personal info during setup, including your birthday, address, phone number and the last four digits of your social security number. It’s the same with Credit Karma, which also does credit score monitoring.
Related to the setup process, I found that NerdWallet was less adept than other apps at automatically detecting my regular income. In my case, it counted a large one-time wire transfer as income, at which point my only other option was to enter my income manually (which is slightly annoying because I would have needed my pay stub handy to double-check my take-home pay).
Budgeting apps we also tested
YNAB
YNAB is, by its own admission, “different from anything you’ve tried before.” The app, whose name is short for You Need a Budget, promotes a so-called zero-based budgeting system, which forces you to assign a purpose for every dollar you earn. A frequently used analogy is to put each dollar in an envelope; you can always move money from one envelope to another in a pinch. These envelopes can include rent and utilities, along with unforeseen expenses like holiday gifts and the inevitable car repair. The idea is that if you budget a certain amount for the unknowns each month, they won’t feel like they’re sneaking up on you.
Importantly, YNAB is only concerned with the money you have in your accounts now. The app does not ask you to provide your take-home income or set up recurring income payments (although there is a way to do this). The money you will make later in the month through your salaried job is not relevant, because YNAB does not engage in forecasting.
The app is harder to learn than any other here, and it requires more ongoing effort from the user. And YNAB knows that. Inside both the mobile and web apps are links to videos and other tutorials. Although I never quite got comfortable with the user interface, I did come to appreciate YNAB’s insistence on intentionality. Forcing users to draft a new budget each month and to review each transaction is not necessarily a bad thing. As YNAB says on its website, “Sure, you’ve got pie charts showing that you spent an obscene amount of money in restaurants — but you’ve still spent an obscene amount of money in restaurants.” I can see this approach being useful for people who don’t tend to have a lot of cash in reserve at a given time, or who have spending habits they want to correct (to riff off of YNAB’s own example, ordering Seamless four times a week).
My colleague Valentina Palladino, knowing I was working on this guide, penned a respectful rebuttal, explaining why she’s been using YNAB for years. Perhaps, like her, you have major savings goals you want to achieve, whether it’s paying for a wedding or buying a house. I suggest you give her column a read. For me, though, YNAB’s approach feels like overkill.
PocketGuard
PocketGuard is one of the only reputable free budget trackers I found in my research. Just know it’s far more restricted at the free tier than NerdWallet or Mint. In my testing, I was prompted to pay after I attempted to link more than two bank accounts. So much for free, unless you keep things simple with one cash account and one credit card. When it comes time to upgrade to PocketGuard Plus, you have three options: pay $7.99 a month, $34.99 a year or $79.99 for a one-time lifetime license. That lifetime option is actually one of the few unique selling points for me: I’m sure some people will appreciate paying once and never having to, uh, budget for it again.
From the main screen, you’ll see tabs for accounts, insights, transactions and the “Plan,” which is where you see recurring payments stacked on top of what looks like a budget. The main overview screen shows you your net worth, total assets and debts; net income and total spending for the month; upcoming bills; a handy reminder of when your next paycheck lands; any debt payoff plan you have; and any goals.
Dana Wollman / Engadget
Like some other apps, including Quicken Simplifi, PocketGuard promotes an “after bills” approach, where you enter all of your recurring bills, and then PocketGuard shows you what’s left, and that’s what you’re supposed to be budgeting: your disposable income. Obviously, other apps have a different philosophy: take into account all of your post-tax income and use it to pay the bills, purchase things you want and maybe even save a little. But in PocketGuard, it’s the “in your pocket” number that’s most prominent. To PocketGuard’s credit, it does a good job visualizing which bills are upcoming and which ones you’ve already paid.
PocketGuard has also publicly committed to adding some popular features in early 2024. These include rollover budgeting in January 2024, categorization rules in February and shared household access in March.
Dana Wollman / Engadget
Although PocketGuard’s UI is easy enough to understand, it lacks polish. The “accounts” tab is a little busy, and doesn’t show totals for categories like cash or investments. Seemingly small details like weirdly phrased or punctuated copy occasionally make the app feel janky. More than once, it prompted me to update the app when no updates were available. The web version, meanwhile, feels like the mobile app blown up to a larger format and doesn’t take advantage of the extra screen real estate.
Of note, although PocketGuard does work with Plaid, its primary bank-connecting platform is actually Finicity. Setting up my accounts through Finicity was mostly a straightforward process. I did encounter one hiccup: Finicity would not connect to my SoFi account. I was able to do it through Plaid, but PocketGuard doesn’t make it easy to access Plaid in the app. The only way, as far as I can tell, is to knowingly search for the name of a bank that isn’t available through Finicity, at which point you get the option to try Plaid instead. Like I said: the experience can be janky.
This article originally appeared on Engadget at https://www.engadget.com/the-best-budgeting-apps-to-replace-mint-143047346.html?src=rss
Along with a countdown showing the next Unpacked will be on January 17, leaker Evan Blass shared a spec sheet that purports to break down the components of the Galaxy S24 lineup. Just like the S23 (pictured above), expect three Galaxy devices: the regular model, an S24+ and an S24 Ultra. All three are slated to run on Qualcomm’s Snapdragon 8 Gen 3.
The leak suggests Samsung will offer Space Zoom of up to 30x and dual telephoto zoom of up to 3x in the Galaxy S24 and S24+, while Ultra will probably have a beefier camera system. If the leak proves true, it will have a 200MP main lens, with up to 10x quad telephoto and 100x Space Zoom.
So far, the Samsung S24 lineup isn’t likely to have any terribly exciting upgrades in designs and pure specs. These are likely to include the company’s own Gauss generative AI systems, so as with Google’s Pixel series, the hardware may only tell half the tale. Let’s see what appears next year.
Hyperloop One had once dreamed of building a high-speed freight link between Europe and China, one that could take cargo from one end to the other in a single day. But the dream is pretty much dead. Hyperloop One is shutting down, a staff member has confirmed to Engadget after Bloomberg reported its closure. Which Hyperloop company was this again? From 2017 until 2022, it was known as Virgin Hyperloop One due to an investment from Richard Branson’s Virgin Group. Virgin quietly pulled its branding last year when the company abandoned its plans to transport passengers to focus on a cargo-only service. The company couldn’t secure a contract to build a working hyperloop system.
Beeper versus Apple has been our own little David and Goliath matchup, but it looks like the saga’s coming to a close. The Beeper Mini chat app, which lets Android users send iMessage missives to its iOS buddies, has issued yet another fix after Apple once again disabled access to the iMessage platform. The company says this will be the last fix released. Beeper wrote in a blog post today that it’s done “playing a cat-and-mouse game with the largest company” on the planet. Be warned: It’s… convoluted.
A London judge has sentenced the teenage hacker who infiltrated Rockstar Games, leaking Grand Theft Auto VI footage, to an indefinite hospitalization. Arion Kurtaj breached Rockstar’s servers from a Travelodge hotel while under police custody, using only an Amazon Fire TV Stick, smartphone, keyboard and mouse. (He was promptly re-arrested.) Kurtaj was a central member of the Lasus$ international hacking group.
The two accomplices (the other is 17 so can’t be named) are the first Lapsus$ members to be convicted. Authorities believe others in the group (suspected to be primarily teenagers in the UK and Brazil) are still at large. It isn’t clear what kind of payoff the hackers got from the ransom requests, if any, as none of the affected companies have admitted to ponying up.
Microsoft is shutting down its Windows Mixed Reality platform, according to an official list of deprecated Windows features. This includes the garden variety Windows Mixed Reality software, along with the Mixed Reality Portal app and the affiliated Steam VR app. The platform isn’t gone yet, but Microsoft says it’ll be “removed in a future release of Windows.”
Microsoft first unveiled Windows Mixed Reality back in 2017 as its attempt to compete with rivals in the VR space, like HTC and Oculus (which is now owned by Meta.) We were fascinated by the tech when it launched as it offered the ability for in-person shared mixed reality. But uptake seemingly wasn’t big enough. Thank goodness I can still use MS Office on my Quest headset…
Beeper vs Apple has been our own little David and Goliath matchup, but it looks like the saga’s coming to a close. The Beeper Mini chat app has issued yet another fix after Apple once again disabled access to the iMessage platform. The company says this will be the last fix released. Beeper wrote in a blog post today that it's done “playing a cat-and-mouse game with the largest company" on the planet.
“With our latest software release, we believe we’ve created something that Apple can tolerate existing. We do not have any current plans to respond if this solution is knocked offline,” the company wrote.
So what’s the latest workaround? It’s certainly not a simple patch. It involves pairing your current mobile device with a Mac or an old iPhone. Mac users with Beeper Cloud should be able to simply update and reconnect, though not all macOS versions will support the software update. You can also ask a friend with a Mac and Beeper Cloud to share their iMessage registration code, which can be used with the desktop app.
Finally, you can jailbreak an old iPhone (6/6s/7/8/X), install Beeper’s tool to generate an iMessage registration code and update to the latest Beeper Mini app to enter the code and access the service. The company’s also renting and selling jailbroken iPhones for this task. Jailbreaking an iPhone, after all, can be confusing for beginners.
On the upside, the company says these fixes work well and even bring blue phone numbers back to the Beeper Mini experience. However, if you don’t have a Mac or an old iPhone, or access to either, you’re pretty much out of luck. Beeper says it’ll hold onto your chat history if you happen upon an old gadget at some point in the future.
If Apple blocks this final fix, that’ll be it for Beeper Mini, but the company has made the software open-source for other folks looking to give it a go. Beeper may be giving up on iMessage integration, but it's powering full-steam ahead with its primary chat app. The company promises it’ll work throughout 2024 to turn it into the “best chat app on Earth.”
This article originally appeared on Engadget at https://www.engadget.com/beeper-says-its-done-playing-cat-and-mouse-with-apple-over-its-imessage-for-android-app-182213320.html?src=rss
Windows Mixed Reality is heading to a farm upstate. Microsoft is shutting down the platform, according to an official list of deprecated Windows features. This includes the garden variety Windows Mixed Reality software, along with the Mixed Reality Portal app and the affiliated Steam VR app. The platform isn’t gone yet, but Microsoft says it’ll be “removed in a future release of Windows.”
Microsoft first unveiled Windows Mixed Reality back in 2017 as its attempt to compete with rivals in the VR space, like HTC and Oculus (which is now owned by Meta.) We were fascinated by the tech when it first launched, as it offered the ability for in-person shared mixed reality. The pricey Apple Vision Pro could offer a similar experience when it presumably launches in February.
Microsoft’s platform was ultimately adopted by several VR headsets, like the HP Reverb G2 and others manufactured by companies like Acer, Asus and Samsung. The Windows Mixed Reality Portal app allowed access to games, experiences and plenty of work-related productivity apps. However, it looks like the adoption rate wasn’t up to snuff, as indicated by today’s news.
Despite the imminent end to the platform, it doesn’t look to be impacting Microsoft’s other mixed-reality ecosystem, the HoloLens 2. Microsoft added a Windows 11 upgrade and other improvements for the business-focused headset earlier this year, according to The Verge. It also started shipping them out to the Army for combat tests. Yes. You read that last part right.
However, not everything’s rosy in HoloLens land. Reports indicate that Microsoft has stopped development on the HoloLens 3. A report in 2022 said that the company teamed up with Samsung to make an unannounced mixed-reality device, but Microsoft spokesperson Frank Shaw said that Microsoft remains "committed to HoloLens and future HoloLens development."
Additionally, Microsoft has made sweeping cuts throughout its VR division, leading to layoffs and the discontinuation of the AltspaceVR app. The company is, however, still developing its proprietary Mesh app that lets co-workers meet in a virtual space without a headset.
This article originally appeared on Engadget at https://www.engadget.com/microsoft-is-nixing-its-windows-mixed-reality-platform-161607566.html?src=rss
