👀 For your eyes only: The holidays mean a house full of family, friends and curious little ones. With all the hustle and bustle, get into the habit of locking your computer every time you get up. On Windows, press the Windows key + L. On Mac, hit Ctrl + Cmd + Q.
The truth behind smart driving programs and what they track
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I’ll bet your insurance company has sent this one your way: “Drive safely, get rewarded. Sign up for our smart driving program today!” You’ve got a squeaky clean driving record, so what’s the harm?
Smart driving programs track your driving habits and give you discounts for being a good driver. But there’s more to it than just saving a few bucks. Buckle up — I’ll break it down for you.
Know what’s being tracked
These programs monitor your driving habits using an app on your phone or a small gadget installed in your car. That data is combined with other factors, like your age, ZIP code and driving history, to calculate a score.
If the score is good enough, you might get a discount — think anywhere from 10% to 30% off your premium. Pretty sweet, right? But the discount comes with hidden costs.
They watch your every move
State Farm dings you if you go 8 miles per hour over the speed limit. So what happens if you floor it to avoid an accident?
GEICO and Allstate both tell you to avoid late-night driving since it’s the riskiest time for fatal crashes. But what if you work late or your kid has soccer practice that finishes after dark?
Ask your insurance company exactly what data they collect and how it’s used. Look for details on:
- Speed, braking and acceleration habits
- Late-night driving penalties
- Phone usage tracking
Maybe more importantly, what happens to your driving data after it’s collected? Does your insurance company share it with third parties or use it for marketing? Can it be sold or handed over in legal situations? Review those details before you agree to anything.
Your data could work against you
Security tip: Next time you stay at a hotel, turn on your VPN
Did you know the average American spends more than 24 hours each week online? That is a considerable chunk of time.
If you’re one of many with multiple devices regularly accessing the internet, you probably know you need a secure connection to protect sensitive data. A virtual private network or VPN is the best way to do this.
Small-biz tip: Don't overlook this digital danger
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Are you the type of business owner who forgets about ex-employees as soon as they’re gone? Failing to remove former employees’ access to your systems and data could lead to security breaches. Don’t let poor offboarding practices be the weak link in your cybersecurity chain.
Why you can’t access some sites while you’re on a VPN and what to do
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Let’s say you’re browsing the web with a VPN. You’re protecting privacy, so you’re confident hackers and advertisers can’t track you. Then you try to go to a site, and it just won’t load.
This can throw a wrench into productivity when working. Or it can ruin your mood when trying to have fun online.
🤑 It’s cozy-up-with-a-book season: If you have Amazon Prime, grab two free e-books from their monthly First Reads selections. It’s early access to popular new books. Sweet!
We may earn a commission from purchases, but our recommendations are always objective.
Nifty YouTube shortcuts: Press M to mute or unmute a video, K to pause or play a video, and F to enter or exit full-screen mode. While you’re there, follow my channel so you never miss a vid.
What the …? Kia’s U.S. privacy policy says they can collect info about your “medical condition, physical or mental disability,” “religious or philosophical beliefs” and “the contents of certain mail, emails and text messages.” Check Mozilla’s Privacy Not Included site for a recap of your carmaker’s policies.
Take out the trash: On a Mac, hold down Cmd + Shift, then press Delete. Boom, your trash can’s empty. On Windows, you’re better off right-clicking and selecting Empty Recycle Bin.
➗ The math helper you’ve always wanted: AI is smart enough to teach you if you know how to ask. In Google Search, ask, “How do I solve,” followed by your equation (e.g., “How do I solve 52% of 1,399?”). The answer will walk you through the steps, too. Handy.
Battle of the betas: Be the first to try Motorola’s and Samsung’s AI features, now in beta. Motorola’s upgrades include notification summaries and meeting transcriptions; Samsung’s update includes call transcriptions, AI writing tools and a revamped camera interface. The betas are open for Razr, Edge and Galaxy S24 smartphones. Have fun! Just remember, beta software glitches out sometimes.
Antivirus comparison: Which option is best for your PC or Mac?
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If you browse the internet regularly, you can’t get around the fact that you need antivirus software. Viruses can pop up in unexpected places, and you want your device to be able to fight one off if it appears.
Dangerous malware making the rounds is what makes having antivirus software protecting you so critical. But what’s the best antivirus software for a Mac or Windows computer? Keep reading to see the best options.
Surveys that can make you a ton of cash (really!)
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People always call the show and ask, “How do I make money with online surveys?” I tell them two things: First, you’ll probably earn gift cards instead of actual cash, and second, those gift cards could be worth $50 with the right sites.
Shortcut to reading annoying privacy policies
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Tech privacy policies are confusing on purpose. I know, big shocker! But I’m always surprised by just how difficult these things are to comb through and what they hide.
Today, I’m calling out the biggest offenders — and sharing one of my favorite, easy-to-use privacy tools.
Sick of QuickBooks? There’s a better way!
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Stop fighting with spreadsheets and trying to figure out what the heck you did with last year’s inventory list. I have the solution — my sponsor, NetSuite by Oracle.
You get visibility and control of your financials, inventory, HR, planning, budgeting, and more — all from one easy dashboard. Don’t just take my word for it — over 37,000 businesses already use NetSuite.
Malware warning: Red flags your computer is under attack
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It’s Computer Security Day, and there’s no better time to remind you malware is lurking everywhere. From phishing emails to unsuspecting ads, just one wrong click can compromise your personal info or infect your devices.
Gobble, gobble: Catch the Macy’s Thanksgiving Day Parade streaming on NBC via YouTube TV and Peacock starting at 8:30 a.m. EST on Thursday. More in the mood for “A Charlie Brown Thanksgiving”? Sign up for a seven-day Apple TV+ trial to watch it for free. Don’t forget to cancel!
Are your smart devices tracking too much?
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Your smartwatch is great for tracking steps, but have you ever thought about where all that personal data actually goes?
From sleep patterns to calorie intake, it’s like a digital diary — and it’s worth billions to insurance companies, marketing outfits, advertisers and, of course, hackers. Don’t panic! I’ll walk you through how to lock down your privacy.
Secrets to growing your business quickly
© Khatuna Bandzeladze | Dreamstime.com
I’m proud to say that I built my multimillion-dollar enterprise with no debt and no investors. It’s rewarding for me to help the many small business owners who call and need a hand getting their company off the ground or breaking past a big hurdle. I’ve been there myself.
These passwords take 1 second to crack
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Here’s a wild stat: 78% of the world’s most common passwords can be cracked in less than a second. The most-used password in the world, “123456,” has been leaked more than 3 million times. And get this: 1.2 million of those were corporate passwords.