It’s estimated that 27% of people in America live in a condo or homeowner’s association (HOA) property. If you’re one of them, then you’re all too familiar with the double-edged sword that is your HOA. On the one hand, your HOA can ensure that your community is kept to a certain standard. On the other […]

The post What Condo Owners Need To Know About Insurance appeared first on Clark Howard.

There’s a high chance your car insurance has gone up recently. If not, the bad news is it might increase at your next renewal. But there’s good news, too. You don’t have to simply accept an auto insurance increase! Take money expert Clark Howard’s advice to save. He says: “This year coming up in ‘25 […]

The post Why You Need To Re-Shop Your Car Insurance Right Now appeared first on Clark Howard.

With more than 67 million beneficiaries, around one in five Americans is enrolled in Medicare. The federal health insurance program has helped ensure adults over 65 and individuals with disabilities have access to health insurance since 1965. But with regular changes to the program — and our health system at large — it’s no wonder […]

The post Medicare: 10 Things To Know appeared first on Clark Howard.

Some credit cards pay you back when an item you've purchased with that card goes on sale later.

The post Everything you need to know about credit card price protection appeared first on Clark Howard.

If you’re looking for cheap flight options in the United States or around the world, there are some discount airlines you need to know about.  They may be “flying beneath your radar” because they’re relatively new or they service routes that aren’t at the mega-airports. In this article, I’ll fill you in on where these […]

The post 5 Discount Airlines You Need To Know About appeared first on Clark Howard.

Jitterbug makes both flip phones and smartphones for seniors. Take a look at the product line, monthly costs, device activation and actual customer reviews.

The post 6 Things To Know Before Buying a Jitterbug Phone on Lively appeared first on Clark Howard.

If you’re tired of paying a big cable bill each month, you may find that cutting the cord and subscribing to Hulu + Live TV is a great money-saving solution in 2024. This live TV streaming service is an option for people looking to leave the cable company behind for good. Others include Sling TV and YouTube TV. In this article, I’ll […]

The post 4 Things To Know About the Hulu + Live TV Streaming Service appeared first on Clark Howard.

Philo is a cable and satellite TV alternative that caters to cord cutters who are serious about keeping their costs down. We tried it out!

The post 4 Things To Know Before You Sign Up for Philo appeared first on Clark Howard.

Mint Mobile relies on T-Mobile's towers to provide customers with the same coverage at a cheaper price, but is it worth the savings?

The post Mint Mobile Review: 6 Things To Know Before You Sign Up appeared first on Clark Howard.

Red Pocket Mobile provides low-cost cell phone plans and lets you choose your network. Read our review before you sign up!

The post RedPocket Mobile: 6 Things To Know Before You Sign Up appeared first on Clark Howard.

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Kristin Chenoweth recently reflected on her marriage to her 42-year-old husband, Josh Bryant, emphasizing that “age is just a number” during an interview on The View.

According to Daily Mail, the...

Privacy: Our analog parents had the ability to read news anonymously, however they wanted, wherever they wanted, and whenever they wanted. For our digital children, a government agent might as well be looking over their shoulder: the government knows what news sources they read, what articles, for how long, and in what order.

For our analog parents, reading the news was an affair the government had no part of, or indeed had any business being part of. Our analog parents bought a morning newspaper with a few coins on the street corner, brought it somewhere quiet where they had a few minutes to spare, and started reading without anybody interfering.

When our digital children read the news, the government doesn’t just know what news source they choose to read, but also what specific articles they read from that news source, in what order, and for how long. So do several commercial actors. There are at least three grave issues with this.

The first is that since the government has this data, it will attempt to use this data. More specifically, it will attempt to use the data against the individual concerned, possibly in some sort of pre-crime scheme. We know this that since all data collected by a government will eventually be used against the people concerned, with mathematical certainty.

In an attention economy, data about what we pay attention to, how much, and for how long, are absolutely crucial predictive behaviors. And in the hands of a government which makes the crucial mistake of using it to predict pre-crime, the results can be disastrous for the individual and plain wrong for the government.

Of course, the instant the government uses this data in any way imaginable, positive or negative, it will become Heisenberg Metrics — the act of using the data will shape the data itself. For example, if somebody in government decides that reading about frugality probably is an indicator of poverty, and so makes people more eligible for government handouts, then such a policy will immediately shape people’s behavior to read more about frugality. Heisenberg Metrics is when a metric can’t be measured without making it invalid in the process.

(The phenomenon is named after the Heisenberg Uncertainty Principle, which is traditionally confused with the Observer Effect, which states you can’t measure some things without changing them in the process. The Heisenberg Uncertainty Principle is actually something else entirely; it states that you can’t measure precise momentum and position of a subatomic particle at the same time, and does not apply at all to Heisenberg Metrics.)

The second issue is that not only government, but also other commercial actors, will seek to act on these metrics, Heisenberg Metrics as they may be. Maybe somebody thinks that reading fanzines about motorcycle acrobatics should have an effect on your health and traffic insurance premiums?

The third issue is subtle and devious, but far more grave: the government doesn’t just know what articles you read and in what order, but as a corollary to that, knows what the last article you read was, and what you did right after reading it. In other words, it knows very precisely what piece of information leads you to stop reading and instead take a specific action. This is far more dangerous information than being aware of your general information feed patterns and preferences.

Being able to predict somebody’s actions with a high degree of certainty is a far more dangerous ability than being vaguely aware of somebody’s entertainment preferences.

Our analog parents had the privacy right of choosing their information source anonymously with nobody permitted (or able) to say what articles they read, in what order, or for what reason. It’s not unreasonable that our digital children should have the same privacy right, the analog equivalent privacy right.

Privacy remains your own responsibility.

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