Mac magic: Hit the Apple menu > System Settings > Mouse (if you have one) or Trackpad (on a MacBook). You’ll find all kinds of settings you can adjust to your heart’s desire, including cursor speed and how hard you have to tap your trackpad to click.
Ideal number of bank accounts: Is one bank account enough? Probably not. My pal, Clark Howard, recommends at least two bank accounts, but you may need more if you’re married or use payment apps. Subscribe to Clark’s free newsletter to receive more must-have money tips every day.
10 privacy-friendly Big Tech alternatives
Amazon uses your Alexa voice commands to train its AI, Dropbox had a breach in April that exposed customers’ passwords, and apps like Facebook and Google make billions of dollars gathering and sharing every little detail about you. I could go on (and on).
Luckily for you, there are privacy-friendly alternatives. Here are some proven ones.
1. Instead of Dropbox …
Try Nextcloud. It does everything Dropbox does (including end-to-end file encryption) but gives you total control. You can even host your own server for free at home.
2. Instead of Google Docs or Microsoft 365 …
Try Joplin. It’s a document app that keeps your files encrypted and stored in open formats, so you can take them anywhere without anyone snooping.
3. Instead of Google Keep or Apple Notes …
Try Notesnook. It’s end-to-end encrypted and lets you export to other apps. Unlike some companies, Notesnook won’t use your stuff to train an AI chatbot.
4. Instead of Google Photos or Apple Photos …
Try Ente, a free photo storage app that backs up your data in multiple locations and scrambles it with a password for maximum security. Ente doesn’t use your pics for AI machine learning, either, like Google Photos and Apple Photos both do.
5. Instead of Apple Home or Google Home …
Try Home Assistant. It’s an open-source smart home hub that works with just about every smart home device out there. The best part? You can manage everything from your browser or phone — no need for home apps that collect your data … and voice … and schedule … and shopping habits …
How to install antivirus and scan your computer
If you’re online, you’re at risk, plain and simple. There’s more out there after your info and wallet than you realize, from phishing scams to ransomware and malicious apps to malware.
That’s why it’s critical to protect your personal and business devices correctly. When it comes to your computer, tablet and phone, you need a robust security suite.
Shopping scams are getting nastier: One victim in Maryland was tricked into paying a fake $0.99 “redelivery fee” and ended up losing $400. USPS and other shipping companies won’t add a shipping charge after the fact. These scams usually come via text, so watch out.
5 hidden fees costing your small business money
Starting your own business can be exciting, but it often comes with a rocky road ahead. Those rocks will cut into your wallet through several expenses. Miscalculating the daily costs of running a company can hurt you in the long run.
Why I used Incogni to wipe my info off the internet
I got this note the other day from Mike S. (Hi, Mike! 👋): “Next time you talk about Incogni, maybe you can do a deep dive?”
Mike, you’re not the only reader who’s asked for a more in-depth look at how Incogni works and why I chose it to wipe my info from data broker sites. I picked this service before they became a sponsor. So, without further ado …
🐭 Zoom-zoom! You can change how fast your cursor moves around your screen. On a Windows PC, click on the Start menu icon in your taskbar and type mouse. Click on Mouse settings, and use the Mouse pointer speed slider to adjust your cursor speed. You can also change the number of lines your mouse wheel scrolls at a time, too.
🦺 Junior mode: That’s the kid-friendly version of Disney+. To enable it for your little one, create a new profile, then tap Add profile. To do this with an existing profile, tap Edit profile. Toggle on Junior mode to limit streaming options to kid-appropriate content, all with a simpler, easier-to-navigate interface.
Windows users, take note: Mike in Gibsonia, Pennsylvania, wrote in to ask if it’s safe to upgrade to Windows 11 version 24H2, which rolled out in October. I’m glad you held off, Mike, because there were a lot of bugs. The major kinks have been worked out now, so you’re good to go.
🛃 Oman, I Kuwait to Rome around: Download the U.S. Customs and Border Protection Global Entry app for iOS or Android. Snap a selfie while in the security line, and you won’t have to do it at the kiosk when returning to the U.S. The catch: You must be registered with the Global Entry program, which costs $100 for five years.
🤖 “So, uh, where do I find ChatGPT?” I get that in my email every day. Use it on the web or download it for iPhone or Android. You’ll need to create an account. The free tier works for most people.
Remember when Google was good? You know, back when there were barely any ads and no AI overview. If you’re not ready to jump ship just yet, I found a website that lets you make your own Google search engine. Customize it to include websites you like (or exclude the ones you don’t), then bookmark your finished masterpiece for your future searches.
“Kim, I missed the link!” So many of you asked me to link to my password manager pick. Happy to help! I negotiated a great deal on NordPass just for you — 58% off. It can import your passwords from any password manager you’re using, btw.
Screenshot upgrade: Windows 11’s Snipping Tool can take data from a screenshot straight to a spreadsheet. Just take a screenshot (hold down the Windows key + Shift + S) and select Copy as table. It’ll preserve the formatting but works best one table at a time. Super sweet.
It’s Kah-man-do: Tired of Siri butchering names? Just say, “Hey, Siri, that’s not how you pronounce [name].” Siri will ask for the correct pronunciation, and voila — all set. On Android, it’s a bit more complicated but totally doable.
🤹♀️ Free audio editing software: Get the one we use at the ol’ Komando Radio Ranch right here. It works great if you’re digitizing music on cassettes and LPs, podcasting or just editing audio for whatever reason.
$40 to Sharon for cocktails: Unless you change your settings, anyone with the Venmo app can see all your contacts. Go to Privacy settings > Friends list > Private. While you’re there, turn off “Appear in other users’ friends’ lists.” This is important!
🏈 What’s the score? In the Alexa app, open Settings > Sports Update. Add your teams (you’ll find all major American sports leagues). Now, say, “Alexa, give me my sports update” for scores and schedule info.
🔒 Friendly reminder: Browser extensions lose support and change developers. Take a minute to review what’s installed and ditch anything you don’t use. On Chrome, tap the three dots near your profile icon, hover over Extensions, then select Manage Extensions. On Safari, go to Preferences > Extensions.
5 clever tricks holiday scammers use
JD in Dallas emailed me with a story. He and his wife were at the mall and stopped for a Christmas selfie. Two young men walking by offered to take the pic for them — and one kept wiping the phone’s lens inside his jacket.