TikTok Notes is basically Instagram for your TikTok account

TikTok is experimenting with an all-new app that’s just for sharing photos with text updates. It’s called TikTok Notes, and it’s available now in Australia and Canada.

“We're in the early stages of experimenting with a dedicated space for photo and text content with TikTok Notes,” the company wrote in an update on X. “We hope that the TikTok community will use TikTok Notes to continue sharing their moments through photo posts. Whether documenting adventures, expressing creativity, or simply sharing snapshots of one's day, the TikTok Notes experience is designed for those who would like to share and engage through photo content.”

Based on App Store screenshots, it appears the app will, like TikTok, have two feeds: a “for you” timeline of recommended content as well as a “following” feed. Posts appear to be very similar to what you’d see scrolling Instagram (before TikTok-like video took over the app, anyway): single images or carousels of multiple photos with lengthy captions.

Rumors of the Instagram-like app have been swirling for the last month as reverse engineers unearthed references in TikTok’s code. Some TikTok users had also seen in-app notifications about the new service in recent days.

It’s an interesting moment for TikTok to try to take on Instagram’s central feature. Having a photo-focused app gives TikTok users a new place to share non-video content and potentially reach their existing audience. The company is also facing the possibility its main app could be banned or drawn into a lengthy legal fight in the United States, so having an alternative app could help it maintain users in the country (TikTok hasn’t said when Notes might be available in the US.)

It also comes at a time when many Instagram users are frustrated with Meta about the reach of their feed posts. Instagram’s top exec Adam Mosseri regularly responds to frustrated creators on Threads about why their feed posts don’t seem to reach as many followers as they used to. If TikTok Notes takes off, those creators may actually have a viable alternative for posting photos.

This article originally appeared on Engadget at https://www.engadget.com/tiktok-notes-is-basically-instagram-for-your-tiktok-account-170151958.html?src=rss

TikTok Notes is basically Instagram for your TikTok account

TikTok is experimenting with an all-new app that’s just for sharing photos with text updates. It’s called TikTok Notes, and it’s available now in Australia and Canada.

“We're in the early stages of experimenting with a dedicated space for photo and text content with TikTok Notes,” the company wrote in an update on X. “We hope that the TikTok community will use TikTok Notes to continue sharing their moments through photo posts. Whether documenting adventures, expressing creativity, or simply sharing snapshots of one's day, the TikTok Notes experience is designed for those who would like to share and engage through photo content.”

Based on App Store screenshots, it appears the app will, like TikTok, have two feeds: a “for you” timeline of recommended content as well as a “following” feed. Posts appear to be very similar to what you’d see scrolling Instagram (before TikTok-like video took over the app, anyway): single images or carousels of multiple photos with lengthy captions.

Rumors of the Instagram-like app have been swirling for the last month as reverse engineers unearthed references in TikTok’s code. Some TikTok users had also seen in-app notifications about the new service in recent days.

It’s an interesting moment for TikTok to try to take on Instagram’s central feature. Having a photo-focused app gives TikTok users a new place to share non-video content and potentially reach their existing audience. The company is also facing the possibility its main app could be banned or drawn into a lengthy legal fight in the United States, so having an alternative app could help it maintain users in the country (TikTok hasn’t said when Notes might be available in the US.)

It also comes at a time when many Instagram users are frustrated with Meta about the reach of their feed posts. Instagram’s top exec Adam Mosseri regularly responds to frustrated creators on Threads about why their feed posts don’t seem to reach as many followers as they used to. If TikTok Notes takes off, those creators may actually have a viable alternative for posting photos.

This article originally appeared on Engadget at https://www.engadget.com/tiktok-notes-is-basically-instagram-for-your-tiktok-account-170151958.html?src=rss

The best budgeting apps for 2024

I recently found myself on the hunt for a new budgeting app. As a former Mint user, I knew I'd be forced to track my finances elsewhere come March 2024 when Inuit planned to shut down the service for good. I used Mint as a trusted place to track all of my accounts, monitor my credit score, follow a monthly spending plan and even set goals like building a rainy-day fund and paying down my mortgage faster. After giving Inuit's other financial app, Credit Karma, a shot and being unimpressed, I decided to immerse myself in the world of budgeting apps. Mint had been around for more than 10 years, but in that time, many other apps popped up that claimed to help you do all of the same things with your money and more. I set out to try the top competitors in the hopes that I'd find a new one that I could turn to for all of my financial needs, and to help you find the best budgeting app for you.

How we tested

Before I dove in and started testing out budgeting apps, I had to do some research. To find a list of apps to try out, 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 and 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.)

All of the 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, 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.

FAQs

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 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 all of the budgeting apps listed in 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.”

Why did Mint shut down?

When parent company Intuit announced in December 2023 that it would shut down Mint, it did not provide a reason why it made the decision to do so. It did say that Mint's millions of users would be funneled over to its other finance app, Credit Karma. "Credit Karma is thrilled to invite all Minters to continue their financial journey on Credit Karma, where they will have access to Credit Karma’s suite of features, products, tools and services, including some of Mint’s most popular features," Mint wrote on its product blog. In our testing, we found that Credit Karma isn't an exact replacement for Mint — so if you're still looking for a Mint alternative, you have some decent options.

This article originally appeared on Engadget at https://www.engadget.com/best-budgeting-apps-120036303.html?src=rss

The best budgeting apps for 2024

I recently found myself on the hunt for a new budgeting app. As a former Mint user, I knew I'd be forced to track my finances elsewhere come March 2024 when Inuit planned to shut down the service for good. I used Mint as a trusted place to track all of my accounts, monitor my credit score, follow a monthly spending plan and even set goals like building a rainy-day fund and paying down my mortgage faster. After giving Inuit's other financial app, Credit Karma, a shot and being unimpressed, I decided to immerse myself in the world of budgeting apps. Mint had been around for more than 10 years, but in that time, many other apps popped up that claimed to help you do all of the same things with your money and more. I set out to try the top competitors in the hopes that I'd find a new one that I could turn to for all of my financial needs, and to help you find the best budgeting app for you.

How we tested

Before I dove in and started testing out budgeting apps, I had to do some research. To find a list of apps to try out, 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 and 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.)

All of the 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, 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.

FAQs

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 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 all of the budgeting apps listed in 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.”

Why did Mint shut down?

When parent company Intuit announced in December 2023 that it would shut down Mint, it did not provide a reason why it made the decision to do so. It did say that Mint's millions of users would be funneled over to its other finance app, Credit Karma. "Credit Karma is thrilled to invite all Minters to continue their financial journey on Credit Karma, where they will have access to Credit Karma’s suite of features, products, tools and services, including some of Mint’s most popular features," Mint wrote on its product blog. In our testing, we found that Credit Karma isn't an exact replacement for Mint — so if you're still looking for a Mint alternative, you have some decent options.

This article originally appeared on Engadget at https://www.engadget.com/best-budgeting-apps-120036303.html?src=rss

Epic wants to blow the Google Play Store wide open

Back in December, Epic Games won an antitrust case against Google. A jury found that Google held an illegal monopoly on in-app billing and app distribution on Android devices, and that it engaged in anticompetitive practices with certain gaming companies and device manufacturers.

At the time, it was unclear what Epic actually won as the remedies had not been determined. The Fortnite maker has now submitted a proposed permanent injunction against Google detailing what it wants. In short, Epic wants the Play Store to be almost wide open.

The injunction is based on three core points, Epic noted in a blog post. First, Epic believes that Google has to let users download apps from wherever they want without it getting in the way. It says people should be able to add apps to Android devices in much the same way they can from a computer — from any app store or the web.

Epic wants to block Google from scaring people off from downloading apps from the web (though it's okay with letting Google block malware). It also wants to stop the company from working with carriers and phone manufacturers to limit the options consumers have for downloading apps. Among other things, Epic wants restrictions on pre-installed app stores to be outlawed. So, if the injunction is approved, we might see Android phones pre-installed with a Epic Games Store app in the future.

Second, Epic argues that Google has to allow developers and users the freedom to choose how they offer and pay for in-app purchases, "free from anticompetitive fees and restrictions." It asserts that Google has to let developers include links from their apps to websites, where they might be able to make offer discounts as they'd bypass Google's cut of in-app payments facilitated through the Play Store.

Epic kicked off its legal battle with Google (and Apple) in 2020 by pointing out to Fortnite mobile players that they could save money by buying the V-bucks currency directly from Epic. Under the proposed injunction, Google would be prevented from trying to prevent alternative payment options through compliance programs like User Choice Billing.

The third aim of Epic's proposed injunction is to block Google from retaliating against it (or any app or developer) for taking on app store practices. "Google has a history of malicious compliance and has attempted to circumvent legislation and regulation meant to reign in their anti-competitive control over Android devices," Epic wrote. "Our proposed injunction seeks to block Google from repeating past bad-faith tactics and open up Android devices to competition and choice for all developers and consumers."

The injunction has more details about Epic's demands, including for Google to untangle its products and services (such as Android APIs) from the Play Store. For a period of six years, Epic wants Google to allow third-party app stores onto the Play Store without fees, and for them to have access to the Play Store's library of apps. That would also mean allowing the third-party app stores to handle updates for Play Store apps. Epic wants Google to appoint a compliance committee to ensure it's abiding by the injunction too.

We may not have to wait too long to find out just how many of Epic's requests the court rubberstamps. Google will respond to the proposal by May 2 and a hearing on the injunction is set for May 23.

"Epic’s filing to the US Federal Court shows again that it simply wants the benefits of Google Play without having to pay for it," a Google spokesperson told Engadget in a statement. "We’ll continue to challenge the verdict, as Android is an open mobile platform that faces fierce competition from the Apple App Store, as well as app stores on Android devices, PCs and gaming consoles.” 

Google is having to make many similar changes in the European Union due to the bloc's Digital Markets Act. However, parent company Alphabet and Apple are already under investigation over concerns that they're not freely allowing developers to bypass the Play Store and App Store.

Meanwhile, as a result of the DMA, Epic plans to release a mobile app store on iOS and Android in the EU later this year. It's also still battling Apple over third-party payments in the US.

Update 4/12 5:55PM ET: Added Google's statement.

This article originally appeared on Engadget at https://www.engadget.com/epic-wants-to-blow-the-google-play-store-wide-open-202411585.html?src=rss

Apple officially allows retro game emulators on the App Store

In addition to updating its developer guidelines to allow music streaming apps to link to external website, Apple has also added new language that allows game emulators on the App Store. The updated guidelines, first noticed by 9to5Mac, now say that retro gaming console emulator apps are welcome and can even offer downloadable games. Apple also reportedly confirmed to developers in an email that they can create and offer emulators on its marketplace. 

Emulator software wasn't allowed on the App Store prior to this update, though developers have been finding ways to distribute them to iOS users. To be able to install them, users usually need to resort to jailbreaking and downloading sideloading tools or unsanctioned alternate app stores first. This rule update potentially eliminates the need for users to go through all those lengths and could bring more Android emulators to iOS.

Apple warns developers, however, that they "are responsible for all such software offered in [their] app, including ensuring that such software complies with these Guidelines and all applicable laws." Clearly, allowing emulators on the App Store doesn't mean that it's allowing pirated games, as well. Any app offering titles for download that the developer doesn't own the rights to is a no-no, so fans of specific consoles will just have to hope that their companies are planning to release official emulators for iOS. While these latest changes to Apple's developer guidelines seem to be motivated by the EU's Digital Markets Act regulation, which targets big tech companies' anti-competitive practices, the new rule on emulators applies to all developers worldwide. 

This article originally appeared on Engadget at https://www.engadget.com/apple-officially-allows-retro-game-emulators-on-the-app-store-130044937.html?src=rss

Apple officially allows retro game emulators on the App Store

In addition to updating its developer guidelines to allow music streaming apps to link to external website, Apple has also added new language that allows game emulators on the App Store. The updated guidelines, first noticed by 9to5Mac, now say that retro gaming console emulator apps are welcome and can even offer downloadable games. Apple also reportedly confirmed to developers in an email that they can create and offer emulators on its marketplace. 

Emulator software wasn't allowed on the App Store prior to this update, though developers have been finding ways to distribute them to iOS users. To be able to install them, users usually need to resort to jailbreaking and downloading sideloading tools or unsanctioned alternate app stores first. This rule update potentially eliminates the need for users to go through all those lengths and could bring more Android emulators to iOS.

Apple warns developers, however, that they "are responsible for all such software offered in [their] app, including ensuring that such software complies with these Guidelines and all applicable laws." Clearly, allowing emulators on the App Store doesn't mean that it's allowing pirated games, as well. Any app offering titles for download that the developer doesn't own the rights to is a no-no, so fans of specific consoles will just have to hope that their companies are planning to release official emulators for iOS. While these latest changes to Apple's developer guidelines seem to be motivated by the EU's Digital Markets Act regulation, which targets big tech companies' anti-competitive practices, the new rule on emulators applies to all developers worldwide. 

This article originally appeared on Engadget at https://www.engadget.com/apple-officially-allows-retro-game-emulators-on-the-app-store-130044937.html?src=rss

iOS music apps in the EU can now send users to external websites for purchase

Apple will make it easier for you to pay for music purchases and subscriptions outside of its payment system, if you're living in a European Union country. As first noticed by 9to5Mac, the company has updated its Apple Developer guidelines page to state that iOS and iPadOS music streaming apps "in specific regions" can now include a link to an external website where you can find alternative ways to pay for content and services. Developers can also ask you to provide your email address, so they could send you a link to that website. 

In early March, the European Union slapped Apple with a €1.8 billion ($1.95 billion) fine for preventing music streaming app developers from informing iOS users "about alternative and cheaper music subscription services available outside of the app and from providing any instructions about how to subscribe to such offers." This anti-steering practice, the European Commission said, is illegal under the bloc's new Digital Markets Act (DMA) rules, which became applicable in May 2023.

By the end of March, EU officials revealed that they were investigating Apple, Meta and Google over their compliance with the DMA. The commission wasn't happy with the changes the companies made in order to adhere to the law, and it was concerned that they were still constraining "developers' ability to freely communicate and promote offers and directly conclude contracts, including by imposing various charges." With these recent changes, music apps can be more transparent about their pricing, so you can make an informed choice on whether to pay via Apple or use the other methods offered by the developers. 

Apple will be taking a 27 commission on proceeds apps earn from sales for digital goods or services on developers' website after a link out, according to its website. Spotify, which hasn't allowed users to subscribe through Apple's in-app purchase since 2016, told us that the company has yet to accept its app submission that includes pricing and a link out for premium purchase. 

Update, April 09, 2024, 3:30AM ET: This story has been updated to include details about Apple's commission and information about Spotify's bid to get its updated app on the App Store. 

This article originally appeared on Engadget at https://www.engadget.com/ios-music-apps-in-the-eu-can-now-send-users-to-external-websites-for-purchase-111511085.html?src=rss

iOS music apps in the EU can now send users to external websites for purchase

Apple will make it easier for you to pay for music purchases and subscriptions outside of its payment system, if you're living in a European Union country. As first noticed by 9to5Mac, the company has updated its Apple Developer guidelines page to state that iOS and iPadOS music streaming apps "in specific regions" can now include a link to an external website where you can find alternative ways to pay for content and services. Developers can also ask you to provide your email address, so they could send you a link to that website. 

In early March, the European Union slapped Apple with a €1.8 billion ($1.95 billion) fine for preventing music streaming app developers from informing iOS users "about alternative and cheaper music subscription services available outside of the app and from providing any instructions about how to subscribe to such offers." This anti-steering practice, the European Commission said, is illegal under the bloc's new Digital Markets Act (DMA) rules, which became applicable in May 2023.

By the end of March, EU officials revealed that they were investigating Apple, Meta and Google over their compliance with the DMA. The commission wasn't happy with the changes the companies made in order to adhere to the law, and it was concerned that they were still constraining "developers' ability to freely communicate and promote offers and directly conclude contracts, including by imposing various charges." With these recent changes, music apps can be more transparent about their pricing, so you can make an informed choice on whether to pay via Apple or use the other methods offered by the developers. 

Apple will be taking a 27 commission on proceeds apps earn from sales for digital goods or services on developers' website after a link out, according to its website. Spotify, which hasn't allowed users to subscribe through Apple's in-app purchase since 2016, told us that the company has yet to accept its app submission that includes pricing and a link out for premium purchase. 

Update, April 09, 2024, 3:30AM ET: This story has been updated to include details about Apple's commission and information about Spotify's bid to get its updated app on the App Store. 

This article originally appeared on Engadget at https://www.engadget.com/ios-music-apps-in-the-eu-can-now-send-users-to-external-websites-for-purchase-111511085.html?src=rss

Journaling app Palmsy offers fake likes from real friends

An oddball new app called Palmsy lets you post to a social media network full of adoring followers who only exist in your imagination. Whether used as a journaling app with a fresh twist or a nicotine patch equivalent for social media addiction, Palmsy prevents the real world from ever seeing your “posts,” storing them on-device, offline and private.

Palmsy’s App Store description says it “lets you make little posts for yourself.” And, at its core, that’s all you’re doing. As for why you’d want to do such a thing, people who have trouble with typical journaling or mind-mapping apps may find it a more inspiring framework. Or, if your social posting habit has gotten out of hand (or you want a break from it for any other reason), it could serve as a way to wean yourself off and give you the dopamine hit without sharing anything publicly.

One clever wrinkle from developer Pat Nakajima is that the app imports your contacts to generate fake likes from them. As pointed out by TechCrunch, Nakajima wrote on Threads that nothing leaves your device or is posted to your contacts, the app’s servers or anywhere else. “It’s just pretend,” he clarified.

If seeing fake likes from real contacts feels a bit too weird, a recent update added the ability to limit the number of faux likes your posts get. You can also set caps on how long you receive them, ranging from a few seconds to a few days.

The app is free and iOS-only, including iPhone and iPad variants.

This article originally appeared on Engadget at https://www.engadget.com/journaling-app-palmsy-offers-fake-likes-from-real-friends-194059136.html?src=rss