Technology

The bill that could ban TikTok in the United States inches closer to becoming law. The legislation passed the House of Representatives last month, then had to face the Senate — and opposition from a few prominent lawmakers. The House is to vote on a package of bills this weekend, which includes a slightly revised version of the TikTok bill. In the latest version, ByteDance would have up to 12 months to divest TikTok, instead of the six months initially pitched.

That change alone was apparently key to winning support from some skeptical members of the Senate, including Sen. Maria Cantwell, chair of the Senate Commerce Committee. What will happen if the bill passes into law? TikTok (and potentially other apps “controlled by a foreign adversary”) would face a ban in US app stores if it declined to sell to a new owner.

— Mat Smith

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Apple says it was ordered to remove WhatsApp and Threads from China App Store Chinese regulators cited national security concerns.

… and in what you might believe is something of a tit-for-tat move for blocking TikTok, Apple has pulled WhatsApp and Threads from the Chinese App Store. The country’s internet regulator says the removal was required and justified on national security grounds. Apple is always willing to comply, lest it harm relations with one of its largest markets.

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Taylor Swift is joining Threads At the exact same time as her new album drops.

Taylor Swift has a new album out. Taylor Swift has a new album out.

Taylor Swift has a new album out. Taylor Swift has a new album out.

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Analogue Duo review A second chance for an underappreciated console. Tim Stevens for Engadget

Analogue’s latest retro console takes us to the multimedia era with the Duo: a love letter to one of Japan’s most beloved (but niche) consoles, the TurboGrafx-16. It’s a deep cut from a brand that has made its name reviving the most obscure hardware from gaming history. But, as much as you can emulate all of these titles on pretty much any device you have laying around, there’s something different about running it from the original media.

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Netflix is done telling us how many people use Netflix There’s no penalty for secrecy if you’re a streaming company.

Netflix has always been secretive about how much of its near-limitless library of content is being watched at any given time. Now, the company has said it will even stop disclosing how many subscribers it has to prevent giving Wall Street another stick with which to beat it. Instead, it’ll only drop data when it’s good PR, like crossing the 300-million subscriber threshold, and stick telling everyone how much money it’s making.

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This article originally appeared on Engadget at https://www.engadget.com/the-morning-after-the-bill-to-ban-tiktok-is-barreling-ahead-111531373.html?src=rss

Enlarge / A BE-4 engine is moved into position on ULA's second Vulcan rocket. (credit: United Launch Alliance)

Welcome to Edition 6.40 of the Rocket Report! There was a lot of exciting news this week. For the first time, SpaceX launched a reusable Falcon 9 booster for a 20th flight. A few miles away at Cape Canaveral, Boeing and United Launch Alliance completed one of the final steps before the first crew launch of the Starliner spacecraft. But I think one of the most interesting things that happened was NASA's decision to ask the space industry for more innovative ideas on how to do Mars Sample Return. I have no doubt that space companies will come up with some fascinating concepts, and I can't wait to hear about them.

As always, we welcome reader submissions, and if you don't want to miss an issue, please subscribe using the box below (the form will not appear on AMP-enabled versions of the site). Each report will include information on small-, medium-, and heavy-lift rockets, as well as a quick look ahead at the next three launches on the calendar.

Going vertical Down Under. Gilmour Space has raised its privately-developed Eris rocket vertical on a launch pad in North Queensland for the first time, the Australian Broadcasting Corporation reports. This milestone marks the start of the next phase of launch preparations for Eris, a three-stage rocket powered by hybrid engines. If successful, Eris would become the first Australian-built rocket to reach orbit. Gilmour says the maiden flight of Eris is scheduled for no earlier than May 4, pending launch permit approvals. This presumably refers to a commercial launch license from the Australian government.

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Amazon's live adaptation of Fallout was so well-received, the fourth main game in the franchise had a resurgence in sales almost a decade after it was released. If you were ever worried about its fate despite the success it enjoyed, you can rest easy, for now: Amazon has already renewed the show for a second season, mere days after the first one debuted. The Fallout universe is set in a post-apocalyptic world, decades after a nuclear war decimated the planet. Ella Purnell plays Lucy in the series, a vault dweller who was forced to go to the surface to rescue her father.

Walton Goggins seems to be a hit with audiences as the Ghoul, a radioactive noseless bounty-hunting corpse. We called him an "enlightened choice" for the role in our review and found this to be his most engaging performance yet. As a whole, we liked Fallout almost as much as we liked the TV adaptation of the The Last of Us. It features fantastic visuals with detailed sets and costumes that stay true to the source materials, and it has a story that flows well and doesn't feel like it's struggling to juggle several different plotlines. The game is also violent and gory, though, and it's not really for the faint of heart. 

The show is one of Amazon's projects under executive producers Jonathan Nolan and Lisa Joy, the creators of Westworld, who Prime Video signed back in 2019. "We can’t wait to blow up the world all over again," Nolan and Joy said, indicating that they'll be back for the next season, though Amazon has yet to announce when it will begin production or if it has a timeline for the project.

This article originally appeared on Engadget at https://www.engadget.com/fallout-has-already-scored-a-green-light-for-a-second-season-103013664.html?src=rss

The developer behind the popular, award-winning and slightly bawdy Baldur's Gate 3 confirmed that it won't be doing Baldur's Gate 4 — but it does have other irons in the fire. 

 "We won't be introducing any major new narrative content to the story of Baldur's Gate 3 (BG3) or its origin characters and companions, nor will we be making expansions or Baldur’s Gate 4," Larian Studio wrote in a community update on Steam. "We’re currently working on two new projects and we couldn’t be more excited about what the future has in store."

Larian promised more news about the new games "later down the line," but did give a hint about the style. "Know that even as our focus turns to these new games, the sensibilities that brought you Baldur’s Gate 3 are alive and well here at the Larian castle. I don’t know if we’re going to pull it off, but looking at our narrative, visual and gameplay plans, I think what we’re working on now will be our best work ever."

Baldur's Gate 3 has been praised for its breadth, character development, puzzles, combat, D&D fidelity and, of course, intimate relationships. It sold around 15 million copies, far exceeding the expectations of the studio, while pretty much sweeping game accolades over the last year. Namely, it took game of the year prizes at The Game Awards, The Steam Awards, D.I.C.E. awards, Streamer Awards, Hugo Awards, GLAAD Media Awards and others.

Director Swen Vincke previously revealed that the studio dropped plans for BG3 DLC and a sequel, partly due to constraints imposed by the Dungeons & Dragons 5th Edition mechanics. Still, there's no question of a sequel for the Hasbro-owned property. "We've done our job. It's a story with a beginning, a middle and an end. So let's pass the torch to another studio to pick up this incredible legacy," he added. 

This article originally appeared on Engadget at https://www.engadget.com/baldurs-gate-3-developer-confirms-it-wont-make-the-sequel-091930642.html?src=rss

Regardless of if you just got your hands on a PS5 or you’ve had the console for a while, chances are you had a good idea which few games you wanted to start out with. After playing those to death, maybe you’re on the hunt for the next title that will suck you into an immersive world. We can confidently say that all of the video games on our best PS5 games list do this in their own way, be they action-adventure titles, racing sims, puzzles and everything in between. As always, in building a list like this, we looked for must-play games that offer meaningful improvements over their last-gen counterparts when played on a PlayStation 5 console, or are exclusive to the system. We'll be updating this periodically, so, if a video game's just been released and you don't see it, chances are that the reason for its absence is that we haven't played through it for the first time yet. Either that or we hate it.

Read more: The best SSDs for PS5

This article originally appeared on Engadget at https://www.engadget.com/the-best-ps5-games-for-2024-top-playstation-titles-to-play-right-now-144653417.html?src=rss

We're now living in a post-Mint world. Intuit shuttered the popular budgeting app on March 24, 2024, and suggested its millions of users switch to its other finance app, Credit Karma. I, along with 3.6 million others (as of 2021, according to Bloomberg), had been Mint users for a long time. Many of us liked the Mint app for how it easily allowed us to track all accounts in one place and monitor credit scores. It was also a great tool for sticking to a monthly spending plan and setting goals like building a rainy-day fund or paying down my mortgage faster.

I gave Credit Karma a shot in the months leading up to Mint shutting down. I was left unimpressed; it’s not a true Mint alternative, so I set out to find an app that could be. The following guide lays out my experience testing some of the most popular Mint replacement apps available today. If you’re also on the hunt for a budgeting app to replace Mint, we hope these details can help you decide which of the best budgeting apps out there could meet your needs in this post-Mint world.

How to import your financial data from Mint

Mint users should consider getting their data ready to migrate to their new budgeting app of choice soon. Unfortunately, importing data from Mint is not as easy as entering your credentials from inside your new 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:

1. Sign into Mint.com and hit Transactions in the menu on the left side of the screen.

2. Select an account, or all accounts.

3. Scroll down and look for “export [number] transactions” in smaller print.

4. 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.

How we tested

Before I dove into the world of budgeting apps, 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 budgeting 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.

The best Mint alternative: Quicken Simplifi

No pun intended, but what I like about Quicken Simplifi is its simplicity. Whereas other budgeting 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. One thing I would add to my initial assessment of the app, having used it for a few months now: I wish Simplifi offered Zillow integration for easily tracking your home value (or at least a rough estimate of it). Various competitors including Monarch Money and Copilot Money work with Zillow, so clearly there's a Zillow API available for use. As it stands, Simplifi users must add real estate manually like any other asset.

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 Mint alternative (runner-up): Monarch Money

Monarch Money grew on me. My first impression of the budgeting 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

Not long after I first published this story in December 2023, Monarch introduced a detailed reporting section where you can create on-demand graphs based on things like accounts, categories and tags. That feature is available just on the web version of the app for now. As part of this same update, Monarch added support for an aggregator that makes it possible to automatically update the value of your car. This, combined with the existing Zillow integration for tracking your home value, makes it easy to quickly add a non-liquid asset like a vehicle or real estate, and have it show up in your net worth graph.

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. In February 2024, Monarch expanded on the net worth graph, so that if you click on the Accounts tab you can see how your net worth changed over different periods of time, including one month, three months, six months, a year or all time.

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 networks to connect with banks, including Plaid, MX and Finicity, a competing network owned by Mastercard. (I have a quick explainer on Plaid, the industry standard in this space, toward the end of this guide.) As part of an update in late December, Monarch has also made it easier to connect through those other two networks, if for some reason Plaid fails. 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.

Additionally, Monarch just added the ability to track Apple Card, Apple Cash, and Savings accounts, thanks to new functionality brought with the iOS 17.4 update. It's not the only one either; currently, Copilot and YNAB have also added similar functionality that will be available to anyone with the latest versions of their respective apps on a device running iOS 17.4. Instead of manually uploading statements, the new functionality allows apps like Monarch's to automatically pull in transactions and balance history. That should make it easier to account for spending on Apple cards and accounts throughout the month.

Monarch also recently launched investment transactions in beta. It also says bill tracking and an overhauled goals system are coming soon. Monarch hasn't provided a timeline for that last one, except to say that the improved goals feature is coming in early 2024.

The best up-and-comer: Copilot Money

Copilot Money might be the best-looking budgeting app 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.

We'll continue to…

— Andres Ugarte (@chuga) November 15, 2023

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. Like Monarch Money, you can also add any property you own and track its value through Zillow, which is integrated with the app.

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.

Like Monarch Money, Copilot updated its app to make it easier to connect to banks through networks other than Plaid. As part of the same update, Copilot said it has improved its connections to both American Express and Fidelity which, again, can be a bugbear for some budget tracking apps. In an even more recent update, Copilot added a Mint import option, which other budgeting apps have begun to offer as well.

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 new year.

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 budgeting 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.

What is Plaid and how does it work?

Each of the apps I tested uses the same underlying network, called Plaid, to pull in financial data, so it’s worth explaining in its own section 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.”

My top Mint alternative picks: Quicken Simplifi and Copilot Money

To conclude, you might be wondering what app I decided on for myself after all of this research. The answer is actually two apps: Quicken Simplifi, my overall top pick, and Copilot Money. For now, I am actively using both apps and still deciding, long-term, which I feel more comfortable with. I tend to prefer Copilot's fast, colorful user interface, but as I explained above, it's too lacking in table-stakes features for me to go so far as to name it the best overall option.

This article originally appeared on Engadget at https://www.engadget.com/the-best-budgeting-apps-to-replace-mint-143047346.html?src=rss

Apple users in China won't be able to find and download WhatsApp and Threads from the App Store anymore, according to The Wall Street Journal and The New York Times. The company said it pulled the apps from the store to comply with orders it received from Cyberspace Administration, China's internet regulator, "based on [its] national security concerns." It explained to the publications that it's "obligated to follow the laws in the countries where [it operates], even when [it disagrees]."

The Great Firewall of China blocks a lot of non-domestic apps and technologies in the country, prompting locals to use VPN if they want to access any of them. Meta's Facebook and Instagram are two of those applications, but WhatsApp and Threads have been available for download until now. The Chinese regulator's order comes shortly before the Senate is set to vote on a bill that could lead to a TikTok ban in the US. Cyberspace Administration's reasoning — that the apps are a national security concern — even echoes American lawmakers' argument for blocking TikTok in the country. 

In the current version of the bill, ByteDance will have a year to divest TikTok, or else the short form video-sharing platform will be banned from app stores. The House is expected to pass the bill, which is part of a package that also includes aid to Ukraine and Israel. President Joe Biden previously said that he supports the package and will immediately sign the bills into law. 

This article originally appeared on Engadget at https://www.engadget.com/apple-says-it-was-ordered-it-to-remove-whatsapp-and-threads-from-china-app-store-061441223.html?src=rss

With the Eras Tour still under way and The Tortured Poets Department dropping today, you can't shake off Taylor Swift these days. She's everywhere — in the news, on streaming services and on social media, which now includes Threads. Taylor's Threads account, and her first post, are going live around midnight. And if you're one of the first people to share her post, you'll get a custom badge based on her new album's artwork that you can display on your Threads profile. 

Meta has been dropping hints and releasing easter eggs for Swifties over the past week as part of a countdown for her album release today. You may have even seen its call to pre-follow Swift on Threads, along with the shimmer effect that's been showing up on conversations on the social network with Taylor-related hashtags. Celebratory hearts pop up when you like relevant posts, as well. 

On Instagram, you'll be able to change the background in your DMs with one that's inspired by TPD's artwork. The company told Engadget that the countdown on Taylor's Instagram profile will also reset, and you can apparently expect yet another surprise to go live at 2AM ET. 

This article originally appeared on Engadget at https://www.engadget.com/surprise-taylor-swift-is-joining-threads-on-the-day-her-new-album-drops-040026147.html?src=rss

Enlarge / The SLS rocket is seen on its launch pad at Kennedy Space Center in August 2022. (credit: Trevor Mahlmann)

On Thursday senior Boeing officials leading the Space Launch System program, including David Dutcher and Steve Snell, convened an all-hands meeting for the more than 1,000 employees who work on the rocket.

According to two people familiar with the meeting, the officials announced that there would be a significant number of layoffs and reassignments of people working on the program. They offered a handful of reasons for the cuts, including the fact that timelines for NASA's Artemis lunar missions that will use the SLS rocket are slipping to the right.

Later on Thursday, in a statement provided to Ars, a Boeing spokesperson confirmed the cuts to Ars: "Due to external factors unrelated to our program performance, Boeing is reviewing and adjusting current staffing levels on the Space Launch System program."

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The bill that could lead to a ban of TikTok in the United States appears to be much closer to becoming law. The legislation sailed through the House of Representatives last month, but faced an uncertain future in the Senate due to opposition from a few prominent lawmakers.

But momentum for the “Protecting Americans from Foreign Adversary Controlled Applications Act” seems to once again be growing. The House is set to vote on a package of bills this weekend, which includes a slightly revised version of the TikTok bill. In the latest version of the bill, ByteDance would have up to 12 months to divest TikTok, instead of the six-month period stipulated in the original measure.

That change, as NBC News notes, was apparently key to winning over support from some skeptical members of the Senate, including Sen. Maria Cantwell, chair of the Senate Commerce Committee. So with the House expected to pass the revised bill Saturday — it’s part of a package that also includes aid to Ukraine and Israel — its path forward is starting to look much more certain, with a Senate vote coming “as early as next week,” according to NBC. President Joe Biden has said he would sign the bill if it’s passed by Congress.

If passed into law, TikTok (and potentially other apps "controlled by a foreign adversary" and deemed to be a national security threat) would face a ban in US app stores if it declined to sell to a new owner. TikTok CEO Shou Chew has suggested the company would likely mount a legal challenge to the law.

“It is unfortunate that the House of Representatives is using the cover of important foreign and humanitarian assistance to once again jam through a ban bill that would trample the free speech rights of 170 million Americans, devastate 7 million businesses, and shutter a platform that contributes $24 billion to the U.S. economy, annually,” TikTok said in a statement.

This article originally appeared on Engadget at https://www.engadget.com/the-bill-that-could-ban-tiktok-is-barreling-ahead-230518984.html?src=rss

Enlarge / Miami Beach, Fire Rescue ambulance at Mt. Sinai Medical Center hospital. ] (credit: Getty | Jeffrey Greenberg/)

Since 2021, federal law has required hospitals to publicly post their prices, allowing Americans to easily anticipate costs and shop around for affordable care—as they would for any other marketed service or product. But hospitals have mostly failed miserably at complying with the law.

A 2023 KFF analysis on compliance found that the pricing information hospitals provided is "messy, inconsistent, and confusing, making it challenging, if not impossible, for patients or researchers to use them for their intended purpose." A February 2024 report from the nonprofit organization Patient Rights Advocate found that only 35 percent of 2,000 US hospitals surveyed were in full compliance with the 2021 rule.

But even if hospitals dramatically improved their price transparency, it likely wouldn't help when patients need emergency trauma care. After an unexpected, major injury, people are sent to the closest hospital and aren't likely to be shopping around for the best price from the back of an ambulance. If they did, though, they might also need to be treated for shock.

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Enlarge / Morfydd Clark is Galadriel in The Lord of the Rings: The Rings of Power. (credit: Amazon Studios)

Subscribers lodged thousands of complaints related to inaccuracies in Amazon's Prime Video catalog, including incorrect content and missing episodes, according to a Business Insider report this week. While Prime Video users aren't the only streaming users dealing with these problems, Insider's examination of leaked "internal documents" brings more perspective into the impact of mislabeling and similar errors on streaming platforms.

Insider didn't publish the documents but said they show that "60 percent of all content-related customer-experience complaints for Prime Video last year were about catalogue errors," such as movies or shows labeled with wrong or missing titles.

Specific examples reportedly named in the document include Season 1, Episode 2 of The Rings of Power being available before Season 1, Episode 1; character names being mistranslated; Continuum displaying the wrong age rating; and the Spanish-audio version of Die Hard With a Vengeance missing a chunk of audio.

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Netflix will stop disclosing the number of people who signed up for its service, as well as the revenue it generates from each subscriber from next year, the company announced on Thursday. It will focus, instead, on highlighting revenue growth and the amount of time spent on its platform.

“In our early days, when we had little revenue or profit, membership growth was a strong indicator of our future potential,” the company said in a letter to shareholders. “But now we’re generating very substantial profit and free cash flow.”

Netflix revealed that the service added 9.33 million subscribers over the last few months, bringing the total number of paying households worldwide to nearly 270 million. Despite its decision to stop reporting user numbers each quarter, Netflix said that the company will “announce major subscriber milestones as we cross them,” which means we’ll probably hear about it when it crosses 300 million.

Netflix estimates that more than half a billion people around the world watch TV shows and movies through its service, an audience it is now figuring out how to squeeze even more money out of through new pricing tiers, a crackdown on password-sharing, and showing ads. Over the last few years, it has also steadily added games like the Grand Theft Auto trilogy, Hades, Dead Cells, Braid, and more, to its catalog.

Subscriber metrics are an important signal to Wall Street because they show how quickly a company is growing. But Netflix’s move to stop reporting these is something that we’ve seen from other companies before. In February, Meta announced that it would no longer break out the number of daily and monthly Facebook users each quarter but only reveal how many people collectively used Facebook, WhatsApp, Messenger, and Instagram. In 2018, Apple, too, stopped reporting the number of iPhones, iPads, and Macs it sold each quarter, choosing to focus, instead, on how much money it made in each category.

This article originally appeared on Engadget at https://www.engadget.com/netflix-is-done-telling-us-how-many-people-use-netflix-215149971.html?src=rss

Enlarge (credit: SOPA Images / Contributor | LightRocket)

X's chatbot Grok is supposed to be an AI engine crunching the platform's posts to surface and summarize breaking news, but this week, Grok's flaws were once again exposed when the chatbot got confused and falsely accused an NBA star of criminal vandalism.

"Klay Thompson Accused in Bizarre Brick-Vandalism Spree," Grok's headline read in an AI-powered trending-tab post that has remained on X (formerly Twitter) for days. Beneath the headline, Grok went into even more detail to support its fake reporting:

In a bizarre turn of events, NBA star Klay Thompson has been accused of vandalizing multiple houses with bricks in Sacramento. Authorities are investigating the claims after several individuals reported their houses being damaged, with windows shattered by bricks. Klay Thompson has not yet issued a statement regarding the accusations. The incidents have left the community shaken, but no injuries were reported. The motive behind the alleged vandalism remains unclear.

Grok appears to be confusing a common basketball term, where players are said to be throwing "bricks" when they take an airball shot that doesn't hit the rim. According to SF Gate, which was one of the first outlets to report the Grok error, Thompson had an "all-time rough shooting" night, hitting none of his shots on what was his emotional last game with the Golden State Warriors before becoming an unrestricted free agent.

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Enlarge / Reddit user Kidipadeli75 spotted a fossilized hominin jawbone in his parents' new travertine kitchen tile. (credit: Reddit user Kidipadeli75)

Ah, Reddit! It's a constant source of amazing stories that sound too good to be true... and yet! The latest example comes to us from a user named Kidipadeli75, a dentist who visited his parents after the latter's kitchen renovation and noticed what appeared to be a human-like jawbone embedded in the new travertine tile. Naturally, he posted a photograph to Reddit seeking advice and input. And Reddit was happy to oblige.

User MAJOR_Blarg, for instance, is a dentist "with forensic odontology training" and offered the following:

While all old-world monkeys, apes, and hominids share the same dental formula, 2-1-2-3, and the individual molars and premolars can look similar, the specific spacing in the mandible itself is very specifically and characteristically human, or at least related and very recent hominid relative/ancestor. Most likely human given the success of the proliferation of H.s. and the (relatively) rapid formation of travertine.

Against modern Homo sapiens, which may not be entirely relevant, the morphology of the mandible is likely not northern European, but more similar to African, middle Eastern, mainland Asian.

Another user, deamatrona, who claims to hold an anthropology degree, also thought the dentition looked Asiatic, "which could be a significant find." The thread also drew the attention of John Hawks, an anthropologist at the University of Wisconsin–Madison and longtime science blogger who provided some valuable context on his own website. (Hawks has been involved with the team that discovered Homo naledi at the Rising Star cave system in 2013.)

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Enlarge (credit: Getty Images | Benj Edwards)

On Thursday, Meta unveiled early versions of its Llama 3 open-weights AI model that can be used to power text composition, code generation, or chatbots. It also announced that its Meta AI Assistant is now available on a website and is going to be integrated into its major social media apps, intensifying the company's efforts to position its products against other AI assistants like OpenAI's ChatGPT, Microsoft's Copilot, and Google's Gemini.

Like its predecessor, Llama 2, Llama 3 is notable for being a freely available, open-weights large language model (LLM) provided by a major AI company. Llama 3 technically does not quality as "open source" because that term has a specific meaning in software (as we have mentioned in other coverage), and the industry has not yet settled on terminology for AI model releases that ship either code or weights with restrictions (you can read Llama 3's license here) or that ship without providing training data. We typically call these releases "open weights" instead.

At the moment, Llama 3 is available in two parameter sizes: 8 billion (8B) and 70 billion (70B), both of which are available as free downloads through Meta's website with a sign-up. Llama 3 comes in two versions: pre-trained (basically the raw, next-token-prediction model) and instruction-tuned (fine-tuned to follow user instructions). Each has a 8,192 token context limit.

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Like many other multiplayer games, Overwatch 2 isn't immune from cheaters. And it's not only an issue on PC, where cheaters use tools like aimbots. Some folks use XIM devices so they can play with a keyboard and mouse (KBM) on consoles. This is against Blizzard's rules, as KBM players typically have an aim advantage over those who use a controller, even though the console versions of the game have features like aim assist. While it's taken some time to get the ball rolling, the developer is finally doing something about the XIM problem.

XIM devices trick consoles into believing that KBM users are playing with a controller. However, in a blog post, Blizzard says it has been able to detect KBM players on consoles over the last few Overwatch 2 seasons. It has found that the cheating problem is more prevalent among higher ranked players. The developers say that use of so-called unapproved peripherals is "very rare" in lower ranks.

During the current season (which started this week), Blizzard will dish out permanent bans to the most extreme users of unapproved peripherals. It will rely on reports from other players and its own data to pinpoint those who are breaking the rules.

Starting in Season 11, which should get underway in June, the developers will tackle the issue at a broader level. The first time a console player is detected using an unapproved device on consoles, they'll be banned from Competitive modes for a week. If they keep using KBM or other unapproved peripherals in casual modes, they'll get a season-long Competitive suspension, only have the option of playing with other KBM users in Quick Play and lose access to aim assist features. It's all in the name of fairness.

There are accessibility concerns here, though, as some folks simply can't play games with a standard controller. Blizzard says that it has done its "utmost to ensure that players with accessibility needs will be less likely to trigger our detection." The developers say they will tailor their enforcement actions so that folks with accessibility needs can still land a sick Earthshatter or keep healing their teammates.

With all that said, Blizzard is looking into adding official KBM support on consoles so folks can play the game that way without negatively impacting controller players. As things stand, console and PC players are separated into separate pools for Competitive play. So to make things fair, Blizzard would need to shuffle console players who want to use a keyboard and mouse into games with other KBM players and no aim assist.

The XIM problem isn't exactly new. The Overwatch 2 developers' colleagues at Activision last year started banning Call of Duty players who spoof input devices (or just messing with them, as usual). Ubisoft and Epic have also targeted XIM users in Rainbow Six: Siege and Fortnite, respectively.

Blizzard is doing more on other fronts to try to keep Overwatch 2 fair and more enjoyable for the majority of players. It's punishing those who leave in the middle of matches more severely and taking a stronger stance on toxicity in voice and text chat.

Meanwhile, there's been a kerfuffle this week related to Overwatch 2 players being banned for using profanity. Those who use slurs or threaten others should obviously face appropriate consequences, but apparently booting out players from a game that has profanity filters for some slightly spicy trash talk is some kind of BS.

This article originally appeared on Engadget at https://www.engadget.com/blizzard-takes-aim-at-overwatch-2-console-cheaters-203923200.html?src=rss

Enlarge / For just $199, you could be having as much fun as this paid model.

Meta has announced it's permanently lowering the price of its aging Quest 2 headset to $199 for a 128GB base model, representing the company's lowest price yet for a full-featured untethered VR headset.

The Quest 2, which launched in 2020 at $299, famously defied tech product convention by increasing its MSRP to $399 amid inflation and supply chain issues in mid-2022. Actual prices for the headset at retail have fallen since then, though; Best Buy offered new units for $299 as of last October and for $250 by the 2023 post-Thanksgiving shopping season, for instance.

And the Quest 2 is far from the company's state-of-the-art headset at this point. Meta launched the surprisingly expensive Quest Pro in late 2022 before dropping that headset's price from $1,499 to $999 less than five months later. And last year's launch of the Quest 3 at a $499 starting price brought some significant improvements in resolution, processing power, thickness, and full-color passthrough images over the Quest 2.

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Enlarge / Google HQ. (credit: Getty Images)

Google is doing a major re-org of Android, Chrome, and the Google hardware division: They're merging! Google Hardware SVP Rick Osterloh will lead the new "Platforms and Devices” division. Hiroshi Lockheimer, Google's previous head of software platforms like Android and ChromeOS, will be headed to "some new projects" at Google.

"Having a unified team across Platforms & Devices will help us deliver higher quality products and experiences for our users and partners," writes Google CEO Sundar Pichai. "It will help us turbocharge the Android and Chrome ecosystems, and bring the best innovations to partners faster — as we did with Circle to Search with Samsung. And internally, it will also speed up decision-making."

Google also justifies the decision the same way it does most decisions nowadays: by saying it's AI-related. The announcement is a few paragraphs in a wide-ranging post by Pichai, titled, "Building for our AI future," and the new division is taking a chunk of Google Research along with it, specifically the group that has been working on computational photography. Pichai wants the team to live in "the intersection of hardware, software, and AI."

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Enlarge / A Falcon 9 rocket launches a Starlink mission in January 2020. (credit: SpaceX)

SpaceX is reportedly working with at least one major US defense contractor, Northrop Grumman, on a constellation of spy satellites for the National Reconnaissance Office.

According to Reuters, development of the network of hundreds of spy satellites by SpaceX is being coordinated with multiple contractors to avoid putting too much control of a highly sensitive intelligence program in the hands of one company.

"It is in the government's interest to not be totally invested in one company run by one person," one of the news agency's sources said, most likely referring to SpaceX founder Elon Musk.

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