This One-Year Subscription to Adobe Lightroom Is on Sale for $120 Right Now

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If your photo library lives across five devices and looks like digital chaos, Lightroom can help, and this $119.88 deal on a one-year Adobe Lightroom subscription gives you access to a full suite of tools that work just as well on a phone as on a desktop. The cloud-based platform comes with 1TB of storage, so even if you’re editing a vacation album on your tablet in transit, the edits sync seamlessly everywhere. You can start on your phone, tweak more on your laptop, and finish on your desktop—without exporting or juggling file versions.

Adobe’s AI additions make Lightroom feel smarter with features like Generative Remove, which lets you clean up background distractions with a click, and Lens Blur, which adds that soft, DSLR-style bokeh effect if your phone didn’t quite nail the depth. The new Quick Actions are especially helpful if you’re not looking to deep dive into sliders—Lightroom now suggests edits automatically, tailored to each photo. That said, it’s not just for beginners. Lightroom Classic still lives on for power users who need the old-school tools like Map or Develop modules for bulk editing or geotagging.

This subscription includes both the modern Lightroom and Lightroom Classic, which is a solid deal for anyone wanting flexibility. Just keep in mind the system requirements—macOS Ventura 13.1 or later, or Windows 10 and up—and it’s limited to one device at a time. Whether organizing decades’ worth of photos or just trying to make your social posts pop a little more, this bundle offers a streamlined way to edit, store, and sync everything. But this might feel like overkill if you don’t care about editing on mobile or prefer offline-only workflows. It’s built for the cloud, so you’ll want to be, too.



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Mango Languages Is an Alternative to 'AI-First' Duolingo, and It's Free at Libraries

Duolingo is now phasing out contract workers as it switches to using artificial intelligence for some tasks, a move that's part of the company going "AI-first".

"AI isn't just a productivity boost," said Duolingo co-founder and CEO Luis von Ahn in a press release. "It helps us get closer to our mission." From what von Ahn says, it sounds as though AI will be used to scale up content, build out the Duolingo codebase, and power features such as video calls with AI avatars.

If that reliance on AI leaves you a little cold—perhaps over concerns around ethics, energy use, copyright infringement, or accuracy—then one of the alternatives worth checking out is Mango Languages. You can usually access it for free through your local public library and other institutions such as schools, but if you can't find a free option you're eligible for, it costs from $12 a month (or less, if you pay a year at a time).

Getting started with Mango Languages

Even if you can't get free access to Mango Languages through your library or another institution, you can try out a free lesson to see if it suits you, before having to pay (or even register an account). There are more than 70 languages to choose from, and your first task is to pick the one you'd like to start learning.

There's a simple slide-based approach here, so you can move at your own pace and move backwards and forwards as you like. The app also tries to explain fundamentals about a language as you go, including the way that pronunciations might change as you put more words and phrases together, and the patterns of speech involved.

Mango Languages
Credit: Lifehacker

You really do get to start with the basics, with straightforward lessons covering greetings and how to make yourself understood. Alongside vocabulary learning, Mango Languages also tries to get you to understand the grammar of the sentences you're saying as you progress, and the goals of each lesson are set out ahead of time.

As well as being available on the web, Mango Languages also offers dedicated apps for Android and iOS, so you can learn on the go as well as when you're sitting at a desk. There are the usual configuration settings you'd expect, including timings on the slides you see and whether or not you want each slide narrated to you.

Progressing with your language learning

As you move through the Mango Languages course, you can review your progress each day and go back to any previous lessons, as well as seeing what's further ahead. You get tests on your reading, writing, speaking, and pronunciation, and there's also the option to compare your speaking with that of a native speaker.

Something Mango Languages does well is provide little cultural notes to explain how different terms are used—essential if you don't want to be offending any of the locals on your next vacation. The app also encourages critical thinking, and will sometimes ask you to work out how something should be said, rather than just telling you.

Mango Languages
You get cultural notes to go with your language learning. Credit: Lifehacker

Further down the line, you'll come across special lessons too: For my chosen language of German, one of them is the annual booze-up that is Oktoberfest. These can help put your language learning into more context, so you're learning about a country and its customs as well as the native tongue.

You get a clean interface, lots of flexibility, and an interesting mix of exercises and challenges to help you stay engaged with learning a language—which for most of us, isn't an easy ask. Both the basics of vocabulary and the more advanced ways that words are put together are well-handled, and if you're able to access it for free, so much the better.



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10 Podcasts That Will Help You Understand the Economy (and Trump's Tariffs)

As if it wasn’t already a hard enough concept to grasp, Trump tariffs have made understanding the economy even harder, and there are no signs things are going to get less complicated any time soon. Maybe podcasts can help?

These 10 shows cover the latest economic news in a thorough, thoughtful way, with sharp reporting, accessible analysis, and even a bit of humor. Hosted by the likes of NPR journalists, finance pros, and academic economists, they break down everything from trade wars to inflation in ways that make sense—even if you slept through econ class.


Planet Money

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Hosted by a rotating team of NPR journalists, Planet Money is the gold standard for podcasts that make understanding the economy not just feasible, but entertaining. Each episode unpacks a single concept—like tariffs, or interest rates—using real-world stories, interviews, and accessible explanations. It’s especially good at showing the ripple effects of high level economic decisions across everyday life. To get a basic understanding of the key issue of the day, start with "Tariffs: What Are They Good for?"


Marketplace

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Known for its signature “Let’s do the numbers” segment, Kai Ryssdal’s daily show Marketplace cuts through the noise with clarity and wit, offering updates on the latest news on Wall Street and in Washington. Ryssdal and his team regularly dive into how policy affects jobs, supply chains, and consumer prices. The show is perfect for people who want to stay informed but don’t want a lecture.


The Indicator

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If you want sharp, snackable insights into the economy, The Indicator delivers episodes under 10 minutes. From the people at Planet Money, it’s fast, informative, and doesn’t assume you’re a finance pro. The show covers everything from economic policy to strange statistics, including how tariffs have affected American businesses. Try “Trump’s Trade War, Revisited” for a quick but powerful refresher.


Odd Lots

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On Odd Lots, Bloomberg’s Joe Weisenthal and Tracy Alloway go deep on the weird yet important corners of the global economy. With top-tier guests and an eye for timely topics, Odd Lots is ideal if you're ready for a slightly more technical (but still accessible) listen. They’ve covered everything from soybean trade disruptions to inflation after tariff hikes.


So Money

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On So Money, Farnoosh Torabi brings a fresh voice to money talk, bridging the gap between personal finance and macroeconomic trends. She frequently interviews experts on how broader policies can affect people’s money and financial decisions—especially useful for connecting the dots between tariffs, inflation, and your wallet. Her strength lies in accessibility and inclusion.


Trade Talks

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Trade Talks is a great resource (and has a wonderful, robust archive) for understanding international trade and tariffs. Hosted by economist Chad P. Bown and Soumaya Keynes, Trade Talks explored global trade policy with clarity, wit, and plenty of context. Though the show only recently returned with new episodes, the archive is still highly relevant, explaining how the policies affecting us all evolved—and why we’re still dealing with the fallout.


Capitalisn’t

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Hosted by economist Luigi Zingales and journalist Bethany McLean, Capitalisn’t dissects how capitalism works—and when it doesn’t. With episodes focused on corporate power, regulation, and economic inequality, the show frequently analyzes the real impacts of trade policy and government intervention. It’s ideal for listeners who want a thoughtful, critical look at the system itself.


Brown Ambition

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Co-hosted by Mandi Woodruff-Santos and Tiffany “The Budgetnista” Aliche, Brown Ambition brings sharp, funny, and insightful commentary to both personal finance and the broader economy. Mandi’s background as a business journalist means you’ll often get informed takes on policy, markets, and how people of color are uniquely affected. It’s a grounded perspective.


Freakonomics Radio

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Stephen Dubner’s Freakonomics brand is all about digging into “the hidden side of everything,” and that includes economic policy. While it’s less news-driven than others on this list, the show brings big-picture thinking and deep research to topics like tariffs, globalization, and market forces. The storytelling keeps it engaging while the insights hit hard.


Money with Katie

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On Money with Katie, Katie Gatti Tassin makes the economy relatable, focusing a millennial-friendly lens on everything from inflation to investing. While it’s rooted in personal finance, the show frequently zooms out to explain how policy decisions—like tariffs or tax shifts—affect your everyday financial life. The tone is witty but well-researched.



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This Tool Tells You How Much Energy Your AI Chatbot Uses

Thanking your AI chatbot when it provides a response to a query may not require much energy on its own, but the cost of your interactions will add up over time—and a new tool from Hugging Face can tell you approximately how much.

The ChatUI energy interface estimates the energy consumption involved in messaging with an AI model in real time, with comparisons to common appliances like LED light bulbs and phone chargers. You can type in any query or utilize one of the suggested inputs to generate a response along with the corresponding energy requirement.

For example, a "professional email" took an AI just over 25 seconds to create and required 0.5 watt-hours, the equivalent of 2.67% of a phone charge. A 90-second script for testing transcription software required 1.4 watt-hours—7.37% of a phone charge, 22 minutes of an LED bulb, or 0.6 seconds of microwave use. (Responding to my "thank you" equaled 0.2% of a phone charge.)

Note that ChatUI is approximating, not providing exact measurements. The tool can run on various models, including Meta’s Llama 3.3 70B and Google’s Gemma 3.

According to estimates from the International Energy Agency (IEA), a single ChatGPT request requires nearly 10 times the electricity of a typical Google search at 2.9 watt-hours vs. 0.2 watt-hours, respectively. If ChatGPT was utilized in all 9 billion daily searches, that would require nearly 10 terawatt-hours of additional electricity per year, the equivalent usage of 1.5 million European Union residents.

AI's environmental impact comes in large part from the power and water demands of running data centers. The IEA expects global AI electricity consumption to be ten times in 2026 what it was in 2023, and the water requirements by 2027 could be more than the entire annual usage of all of Denmark.



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Your Google Pixel Can Make New Emojis for You Now

For the past five years, Google's Emoji Kitchen has offered a way for users to make unique emojis from existing icons. The feature lets you take two emojis and combine them into one to make emojis that are familiar yet new. You can take the saluting emoji and combine it with the robot emoji to make a saluting robot, or the alien emoji and the "shh" emoji to make an alien telling you to be quiet.

You can't necessarily mix each and every emoji that you see in your emoji keyboard, though—first, Google has to make those combinations possible. Every now and then, Google will include new combinations within software updates, even if they don't advertise each one. The more often you use emojis with Gboard, the more combinations you're bound to discover.

But now, you no longer need to experiment with Emoji Kitchen in order to discover new combinations. In fact, Google will do the combining for you: All you have to do is scroll.

Browse Emoji Kitchen combinations on Pixel

As reported by 9to5Google, Google is rolling out an update to the emoji keyboard on Pixel devices. Once the update hits your Pixel, you'll now see a short row of emoji combinations along the top of the emoji keyboard, with an arrow at the end of the row. Tap the arrow, and you'll open up a full grid of emoji combinations, which you can scroll through for a long time. If you somehow reach the bottom without finding an emoji you like, you can return to the top of the grid and pull down to refresh the browser.

emoji kitchen browse
Credit: Jake Peterson/Lifehacker

When you do find a combination you like, tap on it. The emoji keyboard will reveal a pop up, showing you which two emojis were used to make this new one. If you want to use it, just tap Send.

two examples of how emojis were made in the emoji kitchen
Credit: Jake Peterson/Lifehacker

While the Emoji Kitchen is available on all devices using Gboard, the new Emoji Kitchen browser is exclusive to Pixel devices. Other devices will still need to create Emoji Kitchen icons by hand. Alternatively, you can use the "Randomize" option in the Emoji Kitchen tool built into Google: just search Emoji Kitchen in the web browser, then click Get cooking.



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The Out-of-Touch Adults' Guide to Kid Culture: The End of Slang

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Youth culture moves fast. New slang is created and abandoned in days, whole communities organize around a blurry photograph, jokes become memes, memes become rituals, and everything might is abandoned before you even notice it exists. It's like to trying to study a snowflake: Once you can look at it, it's already melted. So it is this week, as I take a look a new lexicon of brain-rot slang (that might not really be slang), a meme format based on threatening to eat your Uber driver, and the performative disappointment of youth. Plus, as a reminder that we still still share something, a video about humanity's never-ending fascination with digging holes.

What do "Kevin," "gurt," and "IKIAB" mean?

I cover slang a lot in this column and keep a running glossary of Gen Z and Gen A words, but I'm not sure what to make of "Kevin," "gurt," "IKIAB," and countless other slang terms born in the past couple of weeks. To many young people, anything bad can be described as Kevin, and the word gurt means something like "smart but dangerous" and IKIAB is an acronym for "Imma keep it a buck," which means "I'm telling the truth." But maybe they don't mean anything.

All these new words are part of the quickly evolving world of brain-rot memes, and they straddle a line between self-aware parody of slang and actual slang. IKIAB was coined a few weeks ago by TikTok user @xznthos, who declared it was new slang that everyone would now use. Gurt was invented and defined a few days later, and Kevin a few days after that. This led to making up slang words becoming a meme format in brain-rot videos, with all kinds of people declaring that all kinds of words now mean all kinds of things. But do they? Is slang really slang just because someone says it is and a lot of people see the video?

Taking it a step further, a writer at Daily Dot asked Google Search’s generative AI Overview to define nonsense phrases like “banana slurp” and “cyclops vibing," and it answered that banana slurp "could potentially be a misinterpretation of ‘that’s bananas’ or ‘she/he went bananas,’ which both mean something is crazy, wild, or extremely agitated," and that cyclops vibing "essentially suggests that a person is enjoying themselves and in a good place, even if they are depicted with a somewhat intimidating or unusual image like a cyclops.”

So you don't even need a person to have ever used a word or phrase for it to have a definition (at least to a computer), so when is a word slang and when is it nonsense? That's the kind of question only a total stork smoother would ask.

What is the "I'm so hungry I could eat..." trend?

The "I'm so hungry I could eat..." trend is way easier to understand than brain-rot slang. It's a form of prank video where you secretly record someone's reaction to you saying, "I'm so hungry I could eat X," with X being whatever is likely to get the biggest reaction.

It started with videos of parents saying "I'm so hungry I could eat a kid" to their kids, which is adorable:

Then dog owners started threatening to eat their dogs:

Then things started getting stranger, like this video where someone threatens to eat their Uber driver.

But the height of the trend is saying you're so hungry they could eat a random, specific person from their victim's past. Like an old classmate who might have been dangerous:

or their first boyfriend:

or their coke dealer from the 90s.

What is the Hiccup Cult?

If your child has just joined The Hiccup Cult, don't worry. It's not a cult like The People's Temple; it's just a random TikTok thing with no real meaning. A few weeks ago, TikToker @annesstinkysock posted a video where they pointed out that the character Hiccup from How to Train Your Dragon is kind of funny-looking, and that she'd changed her profile picture to an image of Hiccup. That's it. That's the whole origin story. For some reason no one can explain, this video was spat out to millions of TikTok users, thousands (maybe hundreds of thousands) of whom changed their own profile pictures to Hiccup. Many of them started following each other, and a cult was born. To join, you just have to change your profile picture to Hiccup and you're in.

TikTok cults aren't new. There have been a ton of them revolving around a picture of a hamster, or Dragon Ball character Goku, or minions. It's the kind of thing that will be forgotten quickly, but maybe it provides some sense of belonging for the 12 seconds it exists.

"Rejection cakes" take over the internet

It's the time of year when high school seniors are crossing their fingers and receiving their acceptance or rejection emails from the colleges they applied to. As you'd probably expect, social media is filled with videos of over-achievers crying happy tears because they were accepted at Harvard, Boston College, or all four of the Ivy League schools they applied to. As you'd probably expect, it's getting ridiculous. Just check out how elaborate this video is for getting into UT Austin:

Good for her and all, but I mean, it's UT Austin? Anyway, I'm more interested in the people who won't be choosing between Yale and Dartmouth this fall. The trend for the rest of us, the also-rans and the almost-made-its, this year is rejection cakes. Videos like this one:

and this one:

are providing a much-needed counter-narrative to all the terrible success some people experience. I think there's something more valuable in performative displays of resilience than displays of pride, because we can't all get into Stanford, but we can all eat cake. Anyway, If you'd like to look at young people who have had their hopes dashed early instead of having them dashed when they graduate from their dream college there's a bunch of videos here.

Viral video of the week: A Video About Digging A Hole

A lot of youth culture these days lives up to the "brain-rot" name, but there's always a yin to the yang, like this week's viral video, "A Video About Digging a Hole." This video will not rot anyone's brain. In it, YouTuber Jacob Geller goes deep into the subject of holes. People, particularly younger people, have always been fascinated with holes, and Geller's video examines the cultural and symbolic power of the simple hole in the ground, finding connections between Louis Sachar's classic young adult novel Holes, Minecraft's constant digging and tunneling, 2025's unexpected blockbuster video game A Game About Digging a Hole, and way more hole-based media. This video is worth the watch just for the section on The Kola Superdeep Borehole—the deepest hole humans have ever dug.



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The Best AI Video Generators (and How They Compare to Each Other)

AI video generators are rapidly improving and becoming more widely available, with Google's Veo 2 now built into the Gemini app for anyone paying for a Google One AI Premium plan. Like OpenAI's Sora, Runway, Adobe's Firefly, and others, Veo 2 enables you to create a professional-looking video from nothing more than a text prompt.

With Veo 2 now available to paying users, it seems like a good opportunity to test these different AI video generators against each other, and compare their strengths and weaknesses—and to assess where we're at with AI video in general. We keep being told that these tools will transform movie-making, or at least fill the internet with AI slop, but are they actually practically useful?

Microsoft seems to think so, having used it in a recent ad. However, only parts of the clip were AI-made—shots with quick cuts and limited motion, where hallucinations are less likely to happen or be noticed.

For the purposes of this guide I'm going to take a look at Google Veo 2 and put it up against Sora, Runway, and Firefly. Other video generators are available, but these are four of the most prominent: They all cost money to access (starting from $20 a month), so you'll need to sign up for a month at least to play around with them.

Bouncing balls

If you're as old as I am, you'll remember an incredible ad Sony made to promote its new 1080p Bravia televisions in 2005 (above). More than 100,000 bouncy balls were dropped on the steep streets of San Francisco while the cameras rolled, and it was a compelling watch (the behind-the-scenes story is pretty fun, too).

This is a real challenge for AI, involving a lot of physics and movement. The prompt I used was: "Thousands of individual, brightly colored balls bouncing down a steep, sunny street in San Francisco, in slow-motion. The camera moves carefully down the street as the balls bounce downwards, passing trees and parked cars."

The Google Veo 2 attempt isn't bad. There's some weird physics going on here, but it looks reasonably natural, and could work as a short clip if you're not looking too closely. The background elements are well-rendered, and the instructions in my original prompt were followed pretty closely.

Sora seems confused about the scene it's supposed to be rendering. There are colored balls for sure, but they move as a confusing mush, and defy gravity. The pace of the video is OK, even if it's going in the opposite direction to the one I requested, and the background parts of the video look fine on the whole.

Runway gets the vibes pretty close, if you compare it to the original Sony clip, but again, there are several problems: The balls aren't at all consistent, the movement isn't what I asked for, and it looks as though there's an alien watching from a window in the top right corner. The street does look pretty cool though.

Firefly is probably the worst of the bunch, here. Most of the balls are stationary, and those that are moving aren't very well-rendered. The street looks OK but it's nothing special—there's definitely a retro video game feel to it. As with the Sora clip, the camera is taking me up the street when I really wanted to go down.

"Jurassic Park" scene

If AI is going to replace the actual people who make movies, then it needs to be able to create scenes as powerful as the "welcome to Jurassic Park" one in Spielberg's 1993 movie: the moment where Richard Attenborough as John Hammond reveals the dinosaurs to his visitors for the first time (above).

I was curious to see what AI would make of the scene. The prompt was: "At the top of a hill, two paleontologists slowly stagger along through the grass. As they do so the camera pulls back for a wider shot, revealing a wide clearing and a lake below. There are dinosaurs slowly walking through the lake and the trees."

The clip from Google Veo 2 looks pretty good. The camera isn't really moving in the way I described, and the paleontologists aren't really staggering (and they're not on a hill either), but the scenery looks good and the dinosaurs look OK. It's rather generic overall, but it's a decent effort.

Sora goes a little bit crazy with this prompt. The camera movements are jerky and don't follow the instructions I made, and the dinosaurs look like weird shape-shifting creatures. The best I can say about this effort is that all the elements I described are included, and the surrounding scenery is reasonably well done.

As for Runway, it's probably the closest to what I wanted when it comes to the camera movements and the overall feel of the scene. The lake and the dinosaurs look realistic enough, but it's by no means a perfect rendering—where does the red-shirted paleontologist disappear to?

It's another poor effort from Firefly. I'm not sure it knows what paleontologists are, and the dinosaurs are very small. The lake and the surrounding forest are done to an OK standard, though, even if there's a noticeable AI sheen to everything in the frame. The camera movements have been translated well here.

"The Living Daylights" scene

One more: the memorable Bond and Kara border-crossing scene in The Living Daylights, where they scoot down a snowy mountain on a cello case (above). I don't need to hire Timothy Dalton or Maryam d'Abo, learn how to operate a camera, or travel to Austria, because AI can make the whole scene for me.

The prompt for this one was: "A man and a woman in winter clothing are sliding down a snow-covered road on a cello case. There is a barrier on the road, and as they reach it, both characters duck under it."

Google Veo 2 manages this pretty well, everything considered—the scene looks mostly realistic and fun, and that does look a bit like a cello case. We do have to ignore the two people going through the road barrier as if it isn't there, but at least there is a barrier there (something the other AI models couldn't grasp).

Over to Sora, and again, it's not terrible. OK, that's not really a cello case, and surely the two people would be facing forward, but the snowy road and the surrounding trees look good—it's an immersive scene. Where's my road barrier, Sora? I want to see these people ducking under it.

As for Runway, whatever videos it was trained on, they sure weren't videos of people riding cello cases down mountains. The people are blending into each other, elements in the shot are shifting shape, and it just looks weird. The snowy scenery and the actual live snow effect do look good, though.

Who knows what Adobe Firefly is thinking here. The physics in this one make absolutely no sense, the characters aren't consistent, and there's no road barrier to duck under. It's actually unsettling to watch. We do get a snowy road, a cello case, and two people in the clip, however.

There's no clear winner

I think the Veo 2 videos impressed me most overall, though Runway seems good for realism more often than not. Across the board we have a lot of problems with physics, realism, and prompt interpretation. These are all clearly AI videos, with numerous weird quirks and inconsistencies.

Now, I wasn't expecting these AI generators to get anywhere near the quality of professional ads or movies: It's just not possible to recreate those scenes with only a text prompt and a few minutes of time and effort. I'm not trying to take a cheap shot at these tools, which are obviously very clever, but rather point out some of the fundamental issues with AI video.

Bouncing balls
These balls aren't bouncing. Credit: Adobe Firefly/Lifehacker

With more careful work and expertise, I could probably get something that looked a lot better, and clearly these video generators are going to improve over time. Who knows what they'll be able to produce in five or 10 years? If you check out the showcased videos on these platforms, you can see that great results are possible.

Personally, though, I'm not convinced these AI tools will ever fully replace traditional film work, no matter how well they're trained. To get something like the Sony ad in AI, you'd have to write reams and reams of incredibly detailed prompts, and even then you might not get what you wanted. Would AI think up the frog jumping out of the drain? Results are quick and easy, sure, but you're offloading most of the creative decisions to AI. These videos feel computer-generated.

People walking
One of these people is about to disappear. Credit: Runway/Lifehacker

AI doesn't really know how a ball bounces, or what a dinosaur looks like, or which way people should face as they slide down a snowy road on a cello case. It approximates and calculates based on all the videos it's previously seen, and those shortcomings show up a lot more in video than they do with images or text. You'll notice most AI videos, including the examples above, don't include elements that come in and out of shot, because the AI is likely to forget what they look like if they're not visible.

And I haven't even had space here to cover the copyright issues or the energy cost to the planet. No doubt we'll see an increasing number of AI-made ads and shorts as time goes on and the technology improves, but it's worth going back to the famous warning in Jurassic Park: Being so preoccupied with whether we can do it, we don't stop to think about whether we should.

Disclosure: Lifehacker’s parent company, Ziff Davis, filed a lawsuit against OpenAI in April, alleging it infringed Ziff Davis copyrights in training and operating its AI systems.



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How to Take Money From Your Retirement Accounts Without a Penalty (and When You Should)

Saving up to retire takes decades of planning (and sometimes sacrifice), not to mention a steady income that allows you to put that money aside. Not everyone makes it to the finish line; in 2024, close to 5% of people with 401(k) plans took a hardship withdrawal, pulling money from their future to solve immediate financial needs. If you’re not yet 59½ years old (and don’t qualify for one of the exceptions allowed by the IRS) this can be a costly decision, though, because in addition to paying taxes on the withdrawal (which is considered income), you’ll be slapped with a 10% penalty.

But if you need to access your retirement funds a little early, there’s a way to do it without incurring the penalty—but it does come with some potential downsides.

Substantially Equal Periodic Payments

“Substantially Equal Periodic Payments (SEPP) is a method that allows individuals to withdraw funds from their retirement accounts before reaching the age of 59½ without incurring the typical 10% early withdrawal penalty imposed by the IRS,” says Sarah Daya, Executive Director of Wealth Planning and Advice at J.P. Morgan Wealth Management. “It could be a good option for individuals who are retiring early, or if you’re facing unexpected financial challenges and you need additional income to support yourself.”

A SEPP involves setting up annual distributions from a qualifying retirement account (like an IRA or a 401(k)—although you can’t use a 401(k) at a current employer) over a period of five years, or until the account holder turns 59½. That’s where the “substantially equal” part comes in—a SEPP isn’t a one-time distribution, it’s a schedule of more or less equal distributions over a period of time.

“The IRS has specific guidelines for how the SEPP is calculated and offers three methods for calculation that you can choose from,” Daya says:

  • The Required Minimum Distribution (RMD) Method, which calculates the annual payment by dividing the account balance by your life expectancy based on the IRS’s tables; the annual payment is recalculated each year and can change from year to year.

  • The Fixed Amortization Method, which calculates the payment by amortizing—in other words, distributing payments from—the account balance over a specified number of years, based on your life expectancy and a chosen interest rate; these payments remain the same from year to year.

  • The Fixed Annuitization Method, which calculates the payment by dividing the account balance by an annuity factor based on a chosen interest rate and your life expectancy; the annual payment amount stays the same each year.

Which method is best for you depends on your specific financial needs.

SEPP downsides

If a SEPP seems like a magical way to tap that nest egg without penalties, Daya cautions that there are some downsides.

“A SEPP lacks flexibility,” she says. “You cannot change the payment amount or the schedule once you start—once you start a SEPP, you must continue withdrawals for at least five years or until you reach age 59 ½, whichever is longer. Changing the payment schedule or stopping the withdrawals before the five-year period ends can result in penalties.”

Another consideration is taxes, which you will have to pay on the distributions like you would on any income. And SEPPs aren’t easy to figure out, even if you handle a lot of your own finances and do your own taxes. “Calculating the SEPP payment amount is very complex,” Daya says. “You should consider working with a financial professional to help you meet all of the IRS’s compliance rules.”

Perhaps the most important consideration is the effect a SEPP will have on Future You. “Making early withdrawals through a SEPP can reduce the amount of funds available for their later retirement years,” Daya says. Every dollar you take today is a dollar you won’t have when you officially retire.

The SEPP option

Setting up a SEPP can be a good idea if you are retiring early and need access to your funds for your living expenses. If you have no other income or the income you do have is insufficient, a SEPP can bridge the gap between today and official retirement. And if you need regular income over a long period of time due to an unexpected financial challenge, a SEPP might be a good way to provide that.

But the inflexibility, cost to your future, and tax bill means a SEPP should be a kind of last-resort solution.

“They are not for short-term emergency expenses,” Daya says. “A SEPP is a way to provide a consistent income stream over five or more years. Everyone’s financial situation is different, and whether a SEPP makes sense for you will depend on a number of personal factors.”



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The 31 Best Thrillers on Netflix Right Now

You’d think we all have enough stress in our lives already, but for some reason we still love those heart-pumping thrillers—whether the quiet, suspenseful kind or the big action spectacles. It might be that the things that get our hearts racing in real life are in the realm of “oh no, this medical bill,” making a spy movie, a heist-gone-wrong scenario, or even a dark kidnapping story a good vehicle for vicarious (and comparatively cheap) thrills.

Regardless, here are the best thrillers currently streaming on Netflix, with a variety of tones that run from mildly tense to extremely dark.


Rebel Ridge (2024)

If you hadn't previously considered "civil forfeiture" as a fit subject for a tense action thriller, that might be about to change; Aaron Pierre stars as Terry Richmond, a former Marine, who cycles into the cycles into Shelby Springs, Louisiana with cash on hand to post bail for his cousin (held on a misdemeanor charge) and some extra to buy the truck they'll need for work. He's knocked off his bike and the cops claim the cash (a real thing that absolutely happens), forcing Terry into a position where he will have to prove in court that his money is not involved in criminal activity. The clock is ticking, though, and his cousin is about to be shipped off to a prison where he'll be a target as an informant. On the side of justice? Terry's fists—he's a close-quarters combat expert and he's more than capable of taking on some corrupt small-town cops. You can stream Rebel Ridge here.


Woman of the Hour (2023)

Anna Kendrick (also the director) stars as Sheryl Bradshaw, a real-life contestant on the TV game show The Dating Game. In and of itself, not terribly thrilling, except that Bradshaw was a guest on an episode with Rodney Alcala (played here by Daniel Zovatto), even winning a date with the "successful photographer" who was, in reality, in the middle of a string of serial murders and rapes. The movie alternates between their two stories until they collide on the set of the popular TV show, and later as Bradshaw meets Alcala for their planned date. You can stream Woman of the Hour here.


The Net (1995)

Time has caught up to The Net in many ways, in that elements that seemed wildly implausible in 1995 are commonplace now (ordering pizza over the internet, for example, was absolutely science fiction back in the day). And, while the aesthetics are often dated to the point of goofiness, the movie's overall premise holds up: Sandra Bullock plays Angela Bennett, a software systems analyst who gets involved in a tangled web (pun kinda intended) of intrigue when she's given a disk with links to a criminal conspiracy lead by Jack Devlin (Jeremy Northam). Computers are all-powerful here—erasing her life, crashing planes, bringing down politicians, etc.—in ways they weren't in 1995 but definitely are now. You can stream The Net here.


Fair Play (2023)

A throwback (complimentary) erotic thriller, Fair Play is an effective slow burner that builds toward a fairly shocking final act. Phoebe Dynevor is Emily Meyers, who's pretty happy for her secret boyfriend Luke (Alden Ehrenreich) when she hears that he might be getting a promotion at the ultra-cutthroat hedge fund where they both work. When she gets the new job instead? Let's just say that Luke is less enthusiastic, kicking off a series of power games that lead first to illegality, then to violence. You can stream Fair Play here.


Revelations (2025)

Writer/director Yeon Sang-ho (Train to Busan) heads this more grounded police thriller, involving the intersecting lives of a quiet, shy pastor (Ryu Jun-yeol) and a traumatized police detective who's only recently been transferred to a violent crimes unit—just in time to lead the hunt for a truly nasty serial kidnapper. This time, it's one of Pastor Min-chan's congregation who's been taken, and the ensuing hunt leads to a crisis if faith for the minister, and then a growing conviction that God's will is for him to be an instrument of divine retribution. You can stream Revelations here.


Spiderhead (2022)

While Joseph Kosinski’s Netflix original Spiderhead didn’t make quite the splash of his mega blockbuster, Top Gun: Maverick, it does make for a smart thriller with sci-fi overtones. Chris Hemsworth plays Steve Abnesti, who oversees a prison program in which prisoners receive less oversight and reduced sentences in exchange for serving as test subjects for a variety of pharmaceuticals. Supposedly, this is the project of some benevolent geniuses who just want to improve humankind, but you might not be surprised to learn (if you’ve ever lived in our world) that a pharmaceutical conglomerate has a lot more to do with it. The experiments grow increasingly manipulative and even deadly, with solid performances from Miles Teller and Jurnee Smollett as two of the prison’s inmates. You can stream Spiderhead here.


Society of the Snow (2023)

You might be familiar with the true story of the 1972 Uruguayan rugby team lost in the Andes following a plane crash—the incident has been the subject of multiple documentaries and two previous dramas, including Frank Marshall's 1993 Alive. This is probably the best take on the tragedy, a thoughtful and tastefully thrilling drama. Director J. A. Bayona emphasizes both the heart-stopping physical perils faced by the team, and the spiritual toll their survival takes on them. You can stream Society of the Snow here.


I Don’t Feel at Home in This World Anymore (2017)

When nursing assistant Ruth (a fabulous Melanie Lynskey) comes home to find that she’s been burglarized, she sets out with her neighbor (Elijah Wood) to get her stuff back, and get revenge, in the most incompetent manner possible. As a vigilante farce, it nearly reaches Coen-brothers levels of absurdity, but it hits a lot of those beats while alternately challenging and confirming our worst instincts about our fellow humans. You can stream I Don’t Feel at Home in This World Anymore here.


The Pale Blue Eye (2022)

This brooding mystery is a compelling (and twisty) tale that plays fast and loose with history, even as it conjures up a chilly and brooding atmosphere. Christian Bale plays a retired and troubled detective teaming up with a young West Point cadet you might have heard of: his name’s Edgar Allen Poe, and he’s played here by Harry Melling, who’s great. The two team up to solve a case involving dead students and creepy occult signifiers. You can stream The Pale Blue Eye here.


Runaway Jury (2003)

Gene Hackman's third John Grisham adaptation (and his penultimate film overall) isn't quite the movie The Firm is, but it's still an effective legal thriller. Hackman plays shady, conniving jury consultant Rankin Fitch, going head-to-head with Wendell Rohr (Dustin Hoffman) as key figures in the trial of a gun manufacturer. Complicating matters is the presence on the jury of Nick Easter (John Cusack) who, with the help of girlfriend Marlee (Rachel Weisz), plans to manipulate the jury in such a way that he'll have a multimillion dollar payout coming his way. You can stream Runaway Jury here.


Trap (2024)

Cooper (Josh Hartnett) is a pretty cool dad in M. Night Shyamalan’s latest, taking his daughter Riley (Ariel Donoghue) to see a very cool Taylor Swift-ish pop star in concert. We quickly learn, though, that Cooper is a hunted serial killer, and that the FBI knows that "The Butcher" will be at the concert, even if they don't know exactly who it is. Of such premises are fun thrillers made, as Cooper has to try to escape the pop concert while somehow making sure his daughter gets to enjoy the show. You can stream Trap here.


Delicious (2025)

The thrills here are more psychological, but the movie is no less intense for it. A German family strikes a young woman on the road during a protest en route to their beautiful villa in Provence. Rather than let that ruin an otherwise perfectly delightful vacation, they take the young woman in and hire her on as domestic help; each family member has their own motive for wanting her around, and they will, each of them, come to deeply regret their choices (shades of Parasite) by the final act. You can stream Delicious here.


Doi Boy (2023)

Sorn (Awat Ratanapintha), fleeing conscription and violence in his native Myanmar, flees to Thailand, living in poverty as an illegal immigrant. With little money and fewer legal rights, he becomes a dancer and sex worker at the title's gay club, being one of the few ways he can make money. When Covid shuts down the club, Sorn gets an offer from one of his customers, Ji, a cop charged with quietly silencing activists—if Sorn will help capture and disappear a human rights activist, Ji will promise a passport and legal status. Director Nontawat Numbenchapol is best known for his award-winning documentaries, and brings a scrupulously realistic approach to this tense drama. You can stream Doi Boy here.


The Killer (2023)

Michael Fassbender plays the titular (nameless) hitman, a fastidious and ruthless killer who is suffering from the fallout of the first mistake of his career—accidentally shooting the wrong person, whoops—as his carefully managed life begins crumbling faster than he can shore it up. Very unlike his previous Netflix original, Mank, this is about as close as Fincher gets to a pure action thrill ride. You can stream The Killer here.


Bird Box (2018)

This Netflix original had a cultural moment way back in 2018, riding the success of A Quiet Place with a story about creatures YOU MUST NOT LOOK AT. Sandra Bullock leads an impressive cast that includes John Malkovich, Sarah Paulson, Lil Rel Howery, and BD Wong in a post-apocalypse in which the only way to survive is with a blindfold and, perhaps, a stylish puffer jacket. You can stream Bird Box here.


Cam (2018)

Director Daniel Goldhaber (the upcoming How to Blow Up a Pipeline) teamed up with writer Isa Mazzei, who based this Black Mirror-esque story partly on her own memoir. Madeline Brewer (Orange is the New Black) plays online sex worker Alice Ackerman, aka Lola_Lola, who once night discovers there’s another Lola out there—a cam girl who’s identical to Alice in appearance and general vibe, but whose willingness to go further puts her out in front in terms of viewership. It’s a horror movie with a lot to say about the dehumanization of sex workers, with a great central performance from Brewer. You can stream Cam here.


The Guilty (2021)

It’s not quite up to the standard of the Danish original, but this American remake of a 2018 film is still excellent. Director Antoine Fuqua is joined by screenwriter Nic Pizzolatto (True Detective) in the film starring Jake Gyllenhaal as Joe Baylor, an LAPD officer who’d been busted down to 911 dispatcher for initially unspecified errors in judgment. He gets a call from a panicked woman that leads him to make some dramatic decisions, not all of them good. An exercise in pure suspense, the contained movie very much rests on Gyllenhaal’s shoulders, though a few famous names show up via voiceover. You can stream The Guilty here.


Shimmer Lake (2017)

This crime drama begins on a Friday, with Andy (Rainn Wilson) hiding in his basement while his wife stalls his brother Zeke (Benjamin Walker), who’s also the sheriff. Andy, on the run with a bag of money, will be dead before the day’s out, but we’re going backwards here: writer/director Oren Uziel’s narrative then takes us to Thursday, and each previous day subsequently, until we understand how everyone wound up where they are. You can stream Shimmer Lake here.


Gerald’s Game (2017)

Set almost entirely in an isolated cabin in the woods, this Stephen King adaptation involves a single immobilized character for much of its running time. Director Mike Flanagan, nevertheless, manages to craft a taut, suspenseful story about a married woman (Carla Gugino) trapped in a remote cabin when her husband played by Bruce Greenwood, dies after having handcuffed her to the bed. Increasingly delirious, she’s forced to face not only her past trauma, but the hungry dog that keeps sniffing around. You can stream Gerald's Game here.


Lou (2022)

Lou (Allison Janney) is a quiet loner on Orcas Island in 1986; she’s also landlady to Hannah (Jurnee Smollett). Lou has just come by to tell Hannah that the rent is due when she learns that Hannah’s daughter has been kidnapped by the girl’s father, an ex-Green Beret and war criminal. Fortunately for Hannah, Lou has some very John Wick-esque secrets regarding her past, making her an unexpectedly good ally against the kidnapper. You can stream Lou here.


Luther: The Fallen Sun (2023)

Continuing from the British crime series starring Idris Elba, but also a movie you can watch on its own, the film finds disgraced, imprisoned former DCI John Luther taunted by a serial killer (Andy Serkis) who, he’s pretty sure, can only be stopped if Luther busts out of jail and hunts him down. If you watched the series, this is an essential follow-up. If you haven’t, it’s a perfectly good time to find out why Elba is doing the morally gray detective thing better than anyone, maybe ever. You can stream The Fallen Sun here.


Creep (2014)

Mark Duplass (The Morning Show) co-writes and stars alongside director/co-writer Patrick Brice in this sly spin on the found-footage genre. Filmmaker Aaron (Brice) answers an ad from Josef (Duplass) who says he wants to document his life for the benefit of his unborn child. Things start off normal enough, but then Josef's requests keep getting more and more bizarre, and Aaron's car keys go missing. The slightly comedic vibe, at least at the outset, only serves to make the whole affair more unsettling. You can stream Creep here.


Fractured (2019)

This is a solid example of that type of thriller in which one person realizes someone has disappeared, and everyone else acts like that person was never around at all. (If it's not quite a sub-genre, it's definitely a thing.) After an accident at an exposed construction site, Ray (Sam Worthington) takes his family to the hospital, then dozes off in the waiting room. Big mistake: When he wakes up, they're gone, and the hospital has no idea what he's talking about. If it isn't entirely original,

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Netflix Finally Adds Dialogue-Only Subtitles

I thought it was just me, a non-native English speaker, who loved watching everything with subtitles on. But clearly, it's not. Based on a recent survey, more than 50% of US viewers watch content with the subtitles on. And there are many reasons why. Sometimes you want to watch something on a low volume in bed, and sometimes it's just too hard to understand what a character is saying. Or, you could be watching with cheap TV speakers that make your audio hard to hear.

Netflix is starting to understand this, and so for people who don't necessarily need to see sound effects in their subtitles, is adding a new dialogue-only subtitles mode. This mode removes text-descriptions for sound effects, speakers, and more.

And don't worry: The CC or Closed Captions option will still be there, so you can pick that if you need subtitles for more than just dialogue. It will tell you when a song is playing, when someone makes some noise, or even if there's a change in setting.

How to switch to dialogue-only subtitles on Netflix

This will be a gradual rollout, and Netflix is starting with the latest (and final) season of You, as well as the Tom Hardy film Havoc.

We don't yet know if Netflix will go on to roll out dialogue-only subs for all existing content, but the company is promising that every new Netflix Original, in every language, will have dialogue-only subtitles. So Netflix isn't limiting this to only English. For example, you'll find dialogue-only subtitles in German as well.

English subtitles in Netflix.
Credit: Netflix

To switch over to dialogue only subs, start streaming your supported content, and then head over to the Subtitles section. Here, choose English (or your language of choice) in the Audio section, and then select English in the Subtitles section as well. To maintain subs for more than just dialogue, choose English (CC).

And that's all there is to it. You're now watching with subtitles that only show the dialogue. It's just you and the characters.



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I've Been Using This Sizzling Oil Sauce, and It Transforms Any Main Course

A good main-course meat can be made great with a complementary finishing sauce. This might look like a drizzle of an espagnole sauce, a buttery pan sauce, an easy board sauce, or maybe a bright vinaigrette, but lately I’ve been branching out. My latest meat sauce obsession is sizzling oil sauces. They’re delicious, fragrant, and—best of all—nearly impossible to screw up. 

I first started using this Chinese technique after making recipes from The Woks of Life, a delightful and approachable cookbook that you should check out (read my review here). This flash-fried sauce pops up regularly in the book as a dressing or a dipping sauce for meats and vegetables, and it’s a surefire way to add a massive amount of flavor to any dish. Though I'm not sure what the Chinese term for this method is (let me know if you know!), Reddit tells me it may be "you po" 油泼, as in: pouring a splash of hot oil over aromatic ingredients.

By the way, if you think this is just another hot chili oil, hang in a moment longer. While this sauce can certainly contain chilies, it's not like chili crisp and it doesn't have to have any spice at all.

How to make a hot oil sauce

1. Mince aromatics

Minced ginger, garlic, and scallions on a cutting board.
Credit: Allie Chanthorn Reinmann

This type of sauce starts with finely chopped aromatics. It’s usually a combination of garlic, fresh ginger, chilis, and scallions, but you can really take the reins and use your own aromatic mixture of aromatic vegetables. The only thing you need to make sure of is to thinly chop or mince the ingredients. They get cooked in a few seconds so if the pieces are too large, they won’t cook through. Add these finely chopped herbs and vegetables to a heat-proof container. I use a measuring cup because it’s deep and I can make a lot or a little bit of this sauce.

2. Heat the oil

In a skillet, heat a tablespoon or two of cooking oil over medium heat. Let the oil get to the shimmering (but not quite smoking) stage. This is when the oil spreads over the surface of the pan and the glimmer of the oil kind of moves like water even though nothing is touching it. That means your oil is around 350°F—frying temperature. 

3. Flash fry the aromatics

Oil pouring into a measuring cup of chopped aromatic ingredients.
Credit: Allie Chanthorn Reinmann

Quickly and carefully, pour the hot oil into the heat-proof bowl with the minced aromatics. The ingredients will sizzle as they briefly fry. (If they don’t, your oil wasn’t hot enough.)

Swirl the oil in the cup so the oil makes contact with everything. This should all happen within five seconds. The oil will quickly cool down and soon a gorgeous aroma will bloom from the cup. Now you can add other balancing seasonings like a combination of soy sauce, oyster sauce, and a splash of vinegar. Stir it well and taste to see if it needs adjusting. 

This sauce is incredible tossed with shredded meats like chicken and pork, or drizzled over thinly sliced steak, but it makes a fabulous dressing for roasted vegetables as well. Eggplant loves this stuff, in my humble opinion. And if you’re hesitant about adding oil to a sauce, don’t be. If you think about vinaigrettes on salads, and how steaks are often finished with tablespoons of melted butter, is this really more fat? Hardly. This is just another wonderful seasoning tool in your cooking tool kit. 

My Simple Sizzling Sauce Recipe

Ingredients:

  • 1 scallion, minced

  • 1 garlic clove, minced

  • 1-2 teaspoons minced fresh ginger

  • 2 tablespoons canola oil

  • 2 teaspoons light soy sauce

  • 2 teaspoons sherry vinegar

  • 1 teaspoon oyster sauce

1. Add the scallion, garlic, and ginger to a heat-safe bowl or measuring cup. 

2. Heat the oil in a frying pan until it shimmers, about 3 minutes over medium heat.

3. Pour the hot oil over the aromatics in the measuring cup and swirl.

4. Add the soy sauce, vinegar, and oyster sauce. Whisk until well incorporated. Taste and adjust. Use to drizzle over roasted meats, vegetables, or even as a condiment.



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You Can Get a Lifetime License to Microsoft Visio 2021 Pro on Sale for Just $20 Right Now

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication.

If you’ve ever had to sit through a meeting with a whiteboard full of scribbles and arrows, you probably understand the need for a good diagramming tool. Right now, Microsoft Visio 2021 Professional is on sale for $19.97 for a lifetime license on StackSocial for new users only. It’s priced low enough to justify adding to your digital toolbox, whether you use it often or just occasionally. It’s the same full version of Visio Pro, licensed for one Windows PC, no subscription required.

Visio turns overwhelming data into clean visuals. Visio keeps things intuitive, whether mapping a new office layout, building org charts from Excel data, or sketching a workflow diagram with a stylus on your touch device. The interface is packed with over 250,000 shapes and templates (that aren't included in the web version), including standards-compliant options like UML 2.5 and BPMN 2.0. It’s more than just drawing boxes and arrows—it lets you link diagrams to live data and keep everything dynamic. It’s ideal for IT, architecture, business analysis, and other professionals who don’t want to start from scratch whenever they plan something out.

That said, it’s not the most plug-and-play experience for everyone. While the standalone license is solid, unlocking features like cloud collaboration, editing Power BI dashboards, or syncing with OneDrive requires additional Microsoft 365 subscriptions. If you're already in Microsoft’s ecosystem, this will slide right into place. If not, it could feel limited depending on how much integration you need. But this lifetime license is an affordable entry point into serious visual planning for single-PC users looking to diagram efficiently with powerful, pro-grade tools. Just be sure to redeem the code within 30 days, and make sure your system meets the basic Windows 10/11 or Server 2019 requirements.



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My Favorite Amazon Deal of the Day: The Google Pixel 9

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The Pixel 9 is the latest series of the Google Pixel phone lineup. They were released late last summer along with the 9 Pro and Pro XL, while the budget Pixel 9a came out earlier this year. If you're looking for the latest middle-of-the-pack Pixel, the 128 GB unlocked Pixel 9 is just $639.99 (originally $799) after a $160 discount, the second-lowest price it has been since its release, according to price-tracking tools.

The Pixel 9 comes with 12GB of RAM, starts with 128GB of memory storage, a maximum 120 HZ refresh rate, and the Android 14 operating system. Lifehacker's associate tech editor Michelle Ehrhardt deemed the Pixel 9 so good that you likely won't miss the Pro. It's important to note that the AI features still had hiccups, but AI features will keep improving over time; the most important thing to get right is the hardware, and Michelle says this is the best smartphone Google has made so far.

The battery life can last almost 12 hours, according to PCMag's "excellent" review. The main camera has a 50MP shooter, a 48MP ultra-wide camera with a 123-degree field of view, same as the Pro models, but it has a single-zone laser detect autofocus (LDAF) sensor (the pro has multi-zone LDAF).

If you have the Pixel 8, you might not notice a huge upgrade in this model. However, if you're upgrading from an older version or doing a switch from a non-Pixel phone, the 9 has a lot to offer. One of my favorite things about Pixel phones is the ongoing support for many years. My Pixel 6A still gets all of the updates and tons of AI features that make the phone feel fresh many years later, with the latest ones dropping last month (if you have a GoPro, you can control it with your Pixel). With the Pixel 9, you'll be getting a quality phone with software updates for quite a while—as long as seven years.



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You Can Finally Change the Snooze Duration in iOS 26

The iPhone’s Clock app is one of the slowest moving apps on iPhone. It gets less love and attention than even the Phone app. While there are...