AVOIDING BIG DATA CENTERS

Protesters have been raging about giant data centers guzzling power, water and land. But here’s an environmentally-friendly solution: standalone apps that don’t connect to the internet. When you use free apps like Atomic Chat, Google’s AI Edge Gallery, LLM Studio, or Ollama, you sever your cord to the cloud. Unlike ChatGPT and other AI bots, these apps don’t require a web window. They allow you to download their brains to work offline. In short, by using these apps, you won’t cause electricity demand to shoot up the way it would with cloud-based AI bots. When you type a prompt into ChatGPT, Gemini and other standard AI services, your request travels to massive server farms that consume staggering amounts of electricity […]

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USING GEMINI TO GET REWARDS

Without Gemini, Google’s artificially intelligent bot, I might never have figured out how to get the most out of my new Bilt credit card. Gemini is a whiz at finance. A Bilt card works like a virtual bank. Besides having its own routing number, it offers a virtual bank account number. This way you can earn points for charging your rent, mortgage or Home Owners Association fee without incurring a “convenience” fee. But you also need to make at least four other regular credit card transactions. “Could I buy a pack of gum four times?” I asked. Yes, Gemini said, but it wouldn’t be ideal. Here’s a better way to go. I could use my Bilt virtual bank account to […]

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CALLING FREUD

I just picked up the phone and called Sigmund Freud. He had a lot to say. You can call him too, or almost any other famous person, through the magic of artificial intelligence. It’s a new feature in the “Character AI” app, free for iPhone and Android. After Freud, I looked up Abraham Lincoln. From 98 versions, I selected the most popular, an Abe who had already participated in over 400,000 chats. I asked him about Mary Todd, but unfortunately, unlike the other characters I tried, he was slow to respond. Maybe he’s too popular: He has a great old-timey voice. Most are as jarring as a surfer dude trying to be Franklin Delano Roosevelt. You may prefer texting to […]

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GETTING TAX PREP HELP

I’ve never done my own taxes. I was always afraid I’d mess up. Yet I’ve known about tax software for years. I met my late husband, Bob Schwabach, when I was in public relations, trying to get him to write about it.  He never did review my rinky-dink client. Having been among the first to write about Intuit, he knew it was best. I’m a convert now. Intuit’s TurboTax website makes it so easy. I went there and clicked  “connect with an expert.” I got a phone call from a folksy guy who drives a school bus. He explained how I could do the taxes myself, paying anywhere from nothing to $170, the filing fee for complex returns. TurboTax reviews […]

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GOLD VERSUS BITCOIN

Bitcoin, the digital currency, has been going up like crazy. But is it a better store of value than gold? Last year, Bitcoin went from a little over $7,000 to over $26,000 per digital coin. On January 8, a single coin hit $40,675.80! I’ve had some experience with cryptocurrency. In 2017, I bought part of a Bitcoin at Coinbase.com, when it was valued at around $4,000. I bought a bit more when it rose to $15,000. What can I say, I’m a gambler. Unfortunately, I sold it after it crashed below $4000. Disaster! I admire those who “HODL” a Bitcoin acronym standing for “Hold On For Dear Life.” According to a deVere Group survey of their own clients, 67 percent […]

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BACK TO THE PAST

Have you heard of Linux? It’s a version of Unix developed by a Finn, Linus Torvalds. But what is Unix? It’s a computer operating system developed by Bell Labs in the 1960s. What was Bell Labs? It was the research arm of Bell Telephone. Bob’s been to the original one in New Jersey. All this is gone now. But we still have Unix. Unix lives on and we all use it just about every day. Every time we put a dot (a period) inside something we type on the computer, like a .com, .org, or .gov, it is a Unix command to go to that location in its memory banks and find what came before the dot. Unix ran the […]

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GOING PRIVATE

Until recently, we thought that the only time you need a Virtual Private Network or VPN is when you are using a Wi-Fi connection away from home. The idea is to prevent hackers from breaking in. But you might want that protection at home too. Though hackers likely can’t get in when you’re on your home Wi-Fi, a VPN prevents anyone from seeing the data you transmit over the Internet. That includes your Internet Service Provider, which most likely sells your information to advertisers. When we searched on the phrase: “Does AT&T sell my info?” we got an AT&T form titled “Do Not Sell My Information.” Filling it out would stop the practice. They say they sell it so we […]

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THE RULES OF THE GAME

Joy would like to contradict Bob’s complaint about updates. He recently advised not doing them, even on an iPhone, because of all the problems they cause. Joy always does updates for security reasons and because some apps require them. A reader wrote us with these words of wisdom: “My son who is chief programmer and bottle washer in his game company says there are two mandatory rules about updating software: 1.NEVER update software. 2. Be sure your software is always up-to-date.”Bob has an additional rule: No matter what you get, you have to get something else to make it work. Update on Updates “Don’t let the door hit you on the backside on your way out,” is a variation on […]

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BUYING HIGH AND LOW

We haven’t seen all the features of Apple’s new iPhone, but even without seeing them we’re  impressed by the price. Apparently, a thousand dollars isn’t what it used to be. But what is? Apple has always had high prices but this may be getting ridiculous. So we bought an elderly friend a smartphone for $17. That would be a cost ratio of about sixty to one. She impressed a fellow resident at her retirement home by whipping out her new phone to call an Uber cab. When she said it was a cheap phone, he figured she meant around  $200, a bargain these days. But the “Alcatel One Touch” cost us $17 from Walmart, and her monthly service cost is […]

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BACKING UP AND BEEPING

We recently mentioned using “File History” in both Windows 10 and Windows 8 because it backs up changes you make to your files. You can find it by typing the name in the Windows search box. Another solution is “Google Backup and Sync.” It’s free and somewhat simpler and works for both Windows and Mac. It automatically backs up all your files, or just the ones you mark; it also keeps tracks of the files you delete. We were deleting some old stuff recently and Google Backup  popped up with a message to ask if we wanted to also delete them from our Google Drive account, which is online storage. This is also free and if you use Gmail for […]

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