You know the old saying — an ounce of prevention is worth a pound of cure. Doubly so on the internet.
Having one's digital life hacked is a little like death: We walk through daily life, blissfully unaware of its possibility, while all the while it dangles over our heads like the Sword of Damocles.
Rather than be caught unawares, surrendering bank account information and sexy selfies to nefarious, faceless internet criminals, follow these steps now to protect yourself. You know the old saying — an ounce of prevention is worth a pound of cure. Doubly so on the internet.
Use better passwords
That means no pet names, no birthdays, no kid names. Get creative with a complex string of upper and lowercase letters, numbers, and symbols. You might even think of this as an opportunity to give yourself a motivational phrase like, "Youarebrilliantin2019!" Set up passwords — and different ones! — on your voicemail, Wi-Fi, and individual apps for banking and email.
...and use a password manager
Password managers like 1Password and LastPass make logging into websites simple without leaving yourself vulnerable to problematic browser autofill. One master password gains access to all the others, so you want it to be long and complex with numbers and special characters so not even the most determined hacker can guess it. From there, the password manager takes care of all your other password.
Employ multi-factor authentication
Sheera Frenkel, who writes about cybersecurity for The New York Times, says that a password manager and multifactor authentication "are the bare minimum of what we should all be doing. And even with all that, I just assume I'm going to be hacked any day." Here's how to set up multi-factor authentication on Apple, Google, Instagram, and more.
Keep your operating systems up-to-date
Most successful hacks exploit vulnerabilities of out-of-date operating systems. When Apple or Android tells you an update is ready, download and install it. Ditto with apps. Keep them up-to-date to protect against data breaches, and be mindful which ones you download. No longer using Shazam or Tinder? Delete 'em.
Use "Find My Phone"
You can set your phone to automatically erase itself after a certain number of incorrect passcode attempts. You can also use Apple and Google's "find my device" services, which can locate your phone on a map, remotely lock it, make it ring or the nuclear option — delete it entirely.
Beware open wifi
The danger isn't in your local Intelligentsia — though you shouldn't log into your bank accounts on any open networks — but if you're ever unsure about a wireless network, stick with your phone's mobile internet connection or use a VPN, which routes your activity through a private encrypted connection. Here's a recent rating of VPN services by PC Mag to help you choose.
There's no such thing as 100% security but following these steps will keep your digital data as safe as a citadel.
These apps are free to download, but they seduce you into spending.
These apps may be free to download, but once they're on your phone, you're likely spending cold hard cash when you use them. Delete or spend at your own peril!
When Dan Frommer of Quartz took a look at which of his apps were gobbling up most of his data usage, he was surprised.
"Twitter turns out to be my biggest 'expense,' he wrote. "This seemed surprising at first: isn't Twitter just 140-character text snippets? But with all the photos and videos in the Twitter stream today, plus loading websites in the built-in browser, addict-level usage adds up." Next in line, Instagram.
If you're only using these apps on wifi, you're not spending by scrolling. But if you can't resist seeing what your ex is up to when you're sitting in the no-wifi dentist's waiting room, then it's gonna cost you. Delete and set yourself free.
Sure, it's free, and yeah, you're just using it for fitness inspiration or keto recipes or whatever you tell yourself. But Instagram's super-targeted, compelling, and on-point ads may be causing you to click-to-buy products you'd never otherwise consider. You know: the miracle exfoliator, the chicest workout leggings, the meal kit that will make your life easier and way more delicious.
Seven out of ten hashtags on Instagram are branded, which means most of the time you're interacting with advertisers whether you realize it or not. In 2016, at least thirty percent of Instagram's users had purchased a product they first discovered on the platform; in 2018, when the monthly users were up to 1 billion on the platform, there was sure to be even more app-driven purchases. And yes, we speak from personal experience.
You love your Prime, we know. We do too. But all the seductive lure of those free deliveries is causing you to spend beaucoup bucks. When you've got the phone in your hand and one-click buying activated, a new backyard hammock or silky nightgown or kitchen gadget is one tap away. And the taps add up.
Research has shown that Prime members spend an average of $1,300 per year on Amazon, compared with just $700 for non-Prime customers. Take the app off your phone and you might find a new way to fund that trip to Portugal you've been dreaming of.
Don't stop at Amazon; this goes ditto for all your go-to shopping apps, like ShopBop and Etsy. According to App Annie, time spent on Amazon, Amazon Shopping, Wish, Etsy and Zulily grew 44 percent in the first half of 2017 compared with the first half of 2016. If you're spending time, you're probably spending money.
Food Delivery Apps
Any time you're making convenience too, well, convenient, you're hurting your wallet. Consider dinner. Between taxes, service fees, delivery charges and driver tips, a $10 burrito can easily turn into a $20 mindless splurge.
Americans spend an average of $63 a month on food delivery services. that's $756 a year — enough for a round-trip ticket to Europe. When HuffPost editor Janie Campbell wrote about her reliance on Postmates, she found that the had spend $287.71 on delivery fees and another $70.88 for additional fees in the first 22 days of a month.
Delete that app and use your phone the old-fashioned way — to call in a pick-up order. Or save mondo bucks by learning a few easy-to-whip up pantry meals; soon enough you'll have saved enough to eat ramen in Tokyo.
The cost of higher education has been steadily increasing over the past four decades and that's not changing
Universities and other advanced schools of learning seem to be raising their prices at an alarming rate. Higher education costs have ballooned over 538% since 1985. To put this in perspective, healthcare has increased more than 286% and the consumer price index has gone up 121%. That means education costs are over four times what they were thirty years ago.
No wonder people are complaining. But with these price increases come a greater quality and a better educational experience than what was to be had twenty or thirty years ago. Whether college is a better overall experience than before is individual and subjective.
Musings: From two perspectives of tech conglomerate fines, antitrust laws, and the tech world as a whole
Lauren: The EU has given Google a $2.7 billion fine due to alleged antitrust violations. According to EU antitrust regulators, the internet giant is a monopoly. And so Google now has to prove that it has rivals that had made substantial inroads to its businesses, including specialized search categories, mobile phones, and online ad buying. This fine and punishment could also set a precedent for other tech giants. Seems like they're not as unstoppable as many have believed.