Technology
Stream more, pay less by lowering your monthly streaming costs
Gone are the days of boundless free trials and ad-free subscriptions for every tier of subscription memberships.
It seems now that every year our favorite subscription services are threatening to increase membership plan prices or strip away benefits previously provided based on your membership tier. Streamers have claimed to be struggling with costs as well as increasing their subscriber base.
Despite people abandoning costly cable bundles in exchange for cheaper streaming services, now those costlier monthly subscription services are really adding up.
It pays to take a good look at which services you’re subscribed to already, ways you can stop overpaying and a clear look at the different plans and how they measure up against one another. Let’s check to see which services have gone up and which ones are worth sticking with.
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Streaming on a computer (Kurt “CyberGuy” Knutsson)
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Ways to avoid overpaying for streaming services
According to Nielsen, “Americans streamed 21 million years’ worth of content [in 2023]”, which is a 21% increase from 2022. Add up all of your monthly streaming bills, and you are likely spending more than you are aware of.
Ninety-nine percent of U.S. households are subscribed to ONE or more streaming services. On average, Americans are spending around $46 per month on streaming services. Others are paying more and sometimes don’t know it. There is an easy way to get a handle on out-of-control spending on streaming.
Couple looking at their streaming bill (Kurt “CyberGuy” Knutsson)
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Tip 1 – Check for hidden subscription charges
Audit your credit card bill to discover recurring streaming charges. While looking at your bill online, sort by name over a number of months to help the recurring charges stand out. Then check your app store settings for subscriptions you may not be using any longer but are still paying for each month.
How to check iPhone subscriptions
To check recurring app subscriptions on iPhone, start by tapping Settings > tap your name > and tap Subscriptions
How to check Android subscriptions
Settings may vary depending on your Android phone’s manufacturer.
To check recurring app subscriptions on Android, Settings > Google > Manage your Google Account > Payments & Subscriptions > Manage purchases, Manage subscriptions, or Manage reservations
How to check Amazon subscriptions
To check recurring subscriptions on Amazon on your smartphone, click your account settings tab after logging into Amazon > then tap Memberships and Subscriptions to see what recurring services are subscribed to.
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Tip 2 – Change to a cheaper tier
Over the past year, Netflix just started offering advertising-supported subscriptions at a reduced monthly rate of $6.99 (vs. the ad-free standard tier, which starts at $15.49). Disney Plus costs $7.99 a month for ad-supported streaming (vs $13.99 a month for ad-free playback).
Tip 3 – Start and stop subscriptions
Because most streaming services are month-to-month and offer the ability to cancel at any time, there is no reason not to start and stop your subscription.
Tip 4 – Split and share subscriptions
Most streaming services offer the ability to now add users to subscription plans. When done correctly and with the right people, splitting a subscription can save you money.
Amazon Prime – $139 a year or $14.99 a month subscription, which includes Prime Video; can be shared by two adults at separate addresses
Apple TV – offers various tiers:
(1) If you buy an Apple device, Apple TV+ is included free for three months.
(2) A monthly subscription is just $9.99 per month after a free seven-day trial.
(3) Apple TV+ is included in Apple One, which bundles up to five other Apple services into a single monthly subscription. Apple One plans start at $19.95 per month. You can choose a more premium tier, such as ‘Family’ ($25.95/month) or ‘Premier’ ($37.95/month), which allows you to share an account with up to five people.
(4) The Apple Music Student Plan comes with a free subscription to Apple TV+.
While some services let you share with friends and family who reside outside your home address, other streaming companies, including Disney+, Hulu, Paramount+, Netflix, and Max, require those who share the same plan to live under the same roof.
Netflix is starting to check subscriber locations in some Latin American countries that could come to the U.S. in the future to enforce shared accounts at different addresses. Netflix started to enforce fees for subscribers sharing the same account but who do not reside in the same address. Netflix, however, does now have subscription levels where you can add users who can sign in with their own username and password, so the account owner doesn’t have to share the master username and password with others. Share the account, not your information.
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Couple streaming movie on their laptop (Kurt “CyberGuy” Knutsson)
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Tip 5 – Bundle and save
Some streaming services like Disney Plus allow you to bundle multiple platforms to save you money. For instance, if you pay for the Disney Bundle Duo Basic for $9.99/month, you get Disney Plus (with ads) and Hulu (with Ads). Separately, each of those subscription levels would cost $7.99/month. That means a saving of $5.99 a month. So, double check to see if your favorite streaming platforms offer similar bundles for cost savings.
Tip 6 – Purchase the annual subscription
While it sounds counterintuitive, if you know you’ll keep watching a platform for a whole year, it may save you money in the long run to buy the whole year upfront. For instance, Disney Plus allows you to purchase a whole year’s subscription to the Premium tier for $139.99, which breaks down to $11.66/month or a savings of $27.89 (or two months free) compared to the monthly subscription of $13.99.
Tip 7 – Free streaming services
If you choose not to purchase a streaming service, there are a bunch of free TV shows and movies available on a variety of platforms. Tubi from Fox Entertainment, Amazon’s Freevee, PlutoTV, and Roku Channel are free channels to watch with ads. Be sure to check out our picks for the best sites to stream free movies, TV shows, and live news in 2024.
Some ad-free streaming services like Hoopla and Kanopy let you watch for free with an active library card membership.
Couple streaming shows and movies (Kurt “CyberGuy” Knutsson)
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Top streamer subscription cost
In an effort to help you get a bird’s eye view of how much streaming services cost, below is a breakdown of the top streamers and their cost at the time of publishing: The streaming services market is very competitive, with different platforms offering various plans and prices.
- Among the major players, Paramount has the cheapest monthly plan with ads, at $5.99, followed by Hulu at $7.99.
- Netflix, Amazon, AppleTV, and Max all have plans without ads, ranging from $9.99 to $22.99 per month.
- YouTube has three plans, with the individual one costing $13.99 per month.
- The yearly plans are usually cheaper than paying monthly, except for Netflix and Hulu, which do not offer yearly plans.
- The most expensive yearly plan is the Ultimate Ad-Free plan from Max, at $199.99.
- Disney+ has two plans, one with ads and one without. The Disney+ Basic plan costs $7.99 per month, while the Disney+ Premium plan costs $13.99 per month or $139.99 per year.
Kurt’s key takeaways
Though streaming services are adapting to economic challenges by passing along the burden to the consumer by increasing subscription costs or eliminating some benefits at the base subscription level, these services aren’t going anywhere and are a staple of most American lives. Having good awareness, however, of what you are subscribing to and adopting a savvy strategy could still have you coming up on top.
Has the rising cost of streaming services changed your viewing habits? Are you planning on incorporating any of these cost-saving strategies? Let us know by writing us at Cyberguy.com/Contact.
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Copyright 2024 CyberGuy.com. All rights reserved.
Technology
Tim Cook will still be Apple’s Trump whisperer
Though Tim Cook is shedding his CEO title for the role of Apple’s executive chairman, it appears he’ll keep one of his most important duties: that of the company’s Trump whisperer.
“As executive chairman, Cook will assist with certain aspects of the company, including engaging with policymakers around the world,” Apple writes in a press release. Translation: he’s sticking around to deal with thorny political relationships — in particular the one with President Donald Trump.
Throughout his tenure, Cook has navigated Apple through tricky political terrain. He’s had to balance the company’s massive business interest in China with US policymakers’ concerns, and he’s worked to appease Trump for favorable regulatory decisions, without alienating too many Apple employees and customers in the process.
Cook has navigated Apple through tricky political terrain
The task of wooing Trump has repeatedly placed Cook in embarrassing situations: Cook showed the president around a factory in Texas in 2019, where Trump wrongly boasted that because of his policies, Apple was building a new manufacturing plant in the US. Last year, he presented Trump with a symbolic gift of “Made in the USA” glass from Apple supplier Corning set in 24-karat gold.
Recently, Cook took criticism from Trump critics for attending a movie night at the White House, for a screening of the documentary Melania, the same day that Alex Pretti was killed by federal agents on the streets of Minneapolis during a protest against Immigration and Customs Enforcement. Cook later vaguely referred to the “events in Minneapolis,” and referenced a “good conversation with the president.”
As Apple’s senior vice president of hardware engineering John Ternus takes over as CEO, the company will need to overcome significant policy challenges, including global efforts to regulate AI, and a push for app stores to verify user ages. Lucky for Ternus, Cook will still be there to take on that job.
Technology
6 crypto scam scripts criminals use to steal your money
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Just about every day, we receive emails from readers who have encountered new scams. Many involve cryptocurrency. The pattern keeps repeating. Someone receives a message that feels urgent, emotional or exciting. The person on the other end sounds confident and persuasive. Before long, the victim is being asked to send money through cryptocurrency. Once the money is sent, it often disappears forever.
Cryptocurrency appeals to scammers for a simple reason. Transactions move quickly, often cross international borders and usually cannot be reversed once completed. That combination makes crypto payments especially attractive to criminals.
Kate recently wrote to us with a great question.
“Could you do an article that illustrates the scripts used by scammers to lure people to send money using cryptocurrency. Those scripts must be very convincing to get so many reasonably intelligent people to send money. Maybe five or six examples of the scripts, so people, especially seniors, will know what to watch out for.”
Kate is absolutely right. These scripts are convincing because scammers practice them constantly. They use psychology, urgency and emotion to push people toward quick decisions.
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Crypto scammers use polished scripts built on urgency, trust and emotion to pressure victims into sending irreversible payments. (gpointstudio/Getty Images)
Let’s break down some of the most common crypto scam scripts, so you know what they sound like before they reach your inbox or phone.
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The investment opportunity script
This script often begins with a friendly introduction through social media, email or even a text message.
Example script:
“Hi, I work with a private investment group that trades cryptocurrency. We’ve helped many people earn steady returns. If you invest $500 today, you could earn $5,000 within weeks. I can show you proof of other investors’ success.”
The scammer may send fake screenshots of profits. Some will even allow a small withdrawal early on to build trust. Eventually, they push the victim to send larger deposits. Once the larger transfer is sent, the account suddenly stops responding.
The romance crypto script
This scam often starts with a simple message on a dating app, Facebook or Instagram. The first contact is friendly and low-pressure.
Example initial script:
“Hi, insert name here, I hope you don’t mind me saying hello. Your profile caught my attention, and you seem like a very kind person. How has your day been?”
After a few days of conversation, the scammer begins sharing details about their life. They often claim to work overseas as an engineer, doctor or business owner. Eventually, they mention cryptocurrency trading as something they do on the side.
Later message in the script:
“I have been doing some short-term crypto trading after work. It has helped me save a lot faster. If you are interested, I can show you the platform I use. It is very easy to start with a small amount.”
From there, the scammer guides the victim to a fake trading site or asks them to transfer cryptocurrency to a wallet they control. At first, the account may show fake profits. The victim believes the investment is working and sends more money. Eventually, the victim cannot withdraw any money.
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From romance schemes to fake government threats, scammers often follow repeatable crypto scripts designed to sound convincing. Knowing the pattern can help you stop the fraud early. (Nhac NGUYEN / AFP via Getty Images)
The government impersonation script
Scammers often pretend to represent government agencies or law enforcement.
Example script:
“This is an urgent notice regarding your tax account. Your Social Security number has been linked to suspicious activity. To prevent legal action, you must verify your identity and pay the outstanding balance today using cryptocurrency.”
Government agencies do not demand payment through cryptocurrency. The goal is to scare you into acting quickly without checking the facts.
The tech support emergency script
This scam often begins with a pop-up warning or an unexpected phone call.
Example script:
“Your computer has been compromised by hackers. Your bank information may be at risk. To secure your system, we need you to transfer funds temporarily into a protected cryptocurrency wallet.“
The scammer claims the funds will be returned once the system is secure. In reality, the transfer moves the money directly to the criminal.
The crypto giveaway script
This scam frequently appears on social media or video platforms.
Example script:
“We are celebrating a new crypto launch. Send 0.1 Bitcoin to this wallet, and we will immediately send back double the amount.”
The message may appear to come from a well-known company or public figure. The wallet address belongs to the scammer. Anyone who sends funds receives nothing in return.
The fake recovery service script
This scam targets people who have already lost money.
Example script:
“We specialize in recovering stolen cryptocurrency. Our investigators located the wallet that received your funds. To begin the recovery process, we require a small crypto payment to unlock the legal tracing tools.”
The victim believes they are hiring professionals to recover their money. Instead, they are being scammed again.
Why these scripts work so well
These scams succeed because they exploit human behavior. First, they create urgency. Victims feel pressured to act quickly.
Second, they create trust. The scammer may sound friendly or sympathetic.
Third, they promise rewards. Investment scams offer profits that feel life-changing.
Finally, cryptocurrency adds confusion. Many people are still learning how it works. Criminals take advantage of that uncertainty.
Understanding these scripts is the first step to protecting yourself. Once you recognize the patterns scammers use, it becomes much easier to stop the conversation before money is involved.
How to protect yourself from crypto scams
Crypto scammers rely on urgency, trust and confusion to pressure victims into sending money. These practical steps can help you recognize warning signs and avoid costly mistakes.
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Criminals favor cryptocurrency because transactions move fast, cross borders easily and usually cannot be reversed. That makes crypto a powerful tool for scammers. (Mario Tama/Getty Images)
1) Slow down when money is involved
Scammers depend on urgency to push victims into fast decisions. If someone pressures you to send money immediately, treat it as a warning sign. Pause the conversation and verify the situation independently. Contact the company, agency or person through a known phone number or official website. Taking even a few minutes to step back can stop a scam before money leaves your account.
2) Never send cryptocurrency to someone you do not know
Cryptocurrency transactions work very differently from credit cards or bank transfers. Once funds are sent, they usually cannot be reversed. Scammers prefer crypto because it moves quickly and often crosses international borders. If someone asks for payment through Bitcoin, Ethereum or another digital currency, assume the request is suspicious until proven otherwise.
3) Verify investment opportunities independently
Many crypto scams promise fast profits or guaranteed returns. Legitimate investments never guarantee profits. Before investing, search the company name, website and contact information online. Look for warnings from regulators or consumer protection agencies. If you cannot find reliable information about the company, that is a major red flag.
4) Use strong antivirus software on your devices
Scammers frequently use phishing links, fake websites and malicious downloads to trick victims. Strong antivirus software can help detect these threats before they cause damage. Strong antivirus software can warn you about suspicious websites, block malicious downloads and help stop phishing attempts that try to steal your financial information. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.
5) Reduce the personal information scammers can find online
Scammers often research their targets before sending messages. They may gather details from public records, social media or data broker websites. Limiting the amount of personal information available online can make it harder for criminals to craft convincing messages. Removing your data from people search sites with a data removal service can reduce the chances of becoming a target. Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.
6) Be cautious with online relationships
Romance scams often begin with friendly messages on dating apps or social media. Over time, the scammer builds trust and eventually introduces a crypto investment opportunity. If someone you have never met begins discussing cryptocurrency investments or asks you to move money, take a step back. Real relationships do not require financial transfers to strangers.
7) Never trust screenshots or profit dashboards
Crypto scammers often show screenshots of trading accounts that appear to generate large profits. These images are easy to fake or are displayed on fraudulent websites controlled by the scammer. Even if a platform shows profits, it does not mean the money exists. If you cannot withdraw funds easily through a verified exchange, the investment may be fake.
8) Watch for requests to move conversations off the platform
Many scams begin on social media, dating apps or messaging platforms. After the first contact, scammers often ask victims to continue the conversation on WhatsApp, Telegram or another private messaging app. Moving the conversation helps them avoid detection by the original platform. If someone quickly asks you to switch apps, treat it as a warning sign.
9) Talk to someone you trust before sending money
Scammers often isolate their victims and discourage them from discussing the situation with friends or family. Before sending cryptocurrency or making a large investment, pause and talk to someone you trust. A second opinion can often spot warning signs that are easy to miss when emotions are involved.
What to do if you already sent cryptocurrency to a scammer
If you believe you sent cryptocurrency to a scammer, act quickly. Contact the exchange or platform you used to send the funds and report the transaction immediately. Some exchanges may be able to flag the receiving wallet and help investigators track suspicious activity.
You should also report the scam to the FTC at reportfraud.ftc.gov and notify your local law enforcement agency. If the scam began on a social media site, dating app or messaging platform, report the account there as well so it can be investigated and removed.
While recovering funds can be difficult, reporting the incident can help authorities identify larger fraud networks and potentially prevent others from becoming victims.
Kurt’s key takeaways
Cryptocurrency scams continue to grow because the scripts are polished and carefully tested. The criminals behind them understand human psychology. They know when to apply pressure, when to build trust and when to promise rewards. Recognizing these patterns is one of the most powerful ways to stop them. When you know the script, the scam becomes much easier to spot.
Have you ever received a message that tried to convince you to send cryptocurrency, and did the script almost sound believable? Let us know by writing to us at Cyberguy.com.
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- Plus, you’ll get instant access to my Ultimate Scam Survival Guide free when you join.
Copyright 2026 CyberGuy.com. All rights reserved.
Technology
This pasta sauce wants to record your family
As if there weren’t already enough devices listening in on everything being said in your home, Prego, the pasta and pizza sauce brand, is releasing a device designed to record everything said around the dinner table for posterity. The Connection Keeper, which looks like an oversized pasta jar lid, was created in collaboration with StoryCorps, the nonprofit organization focused on preserving the stories of Americans in a collection housed at the Library of Congress’ American Folklife Center. There’s no AI, Wi-Fi, or Bluetooth, but you can optionally upload recordings to StoryCorps’ website to make them easier to share with family.
Prego says the goal of the device is to encourage families to make memories through conversation during dinner instead of staring at their phones — but only for a small number of families. The company is only planning to make less than 100 of them. The Connection Keeper will be available for purchase online starting on April 27th for $20 as part of a bundle that includes the device, a jar of Prego sauce, spaghetti noodles, and a deck of cards featuring conversation prompts and ideas.
Using the device is as easy as plopping the Connection Keeper down in the middle of everyone at the table and pressing one button to start recording. Using a pair of microphones, it captures CD-quality audio to a 16GB microSD card for up to eight hours when fully charged.
When dinner’s over, the recordings can be transferred to a computer over USB-C and then uploaded to a dedicated microsite created by StoryCorps where they’re preserved and accessible only by the uploader, unless they choose to share them with other StoryCorps users or the general public. You even have the option to archive them within the Library of Congress, which makes them public automatically, so hopefully your family talks about more than just stealing brainrots.
The recordings can be accessed on a smartphone through the StoryCorps app, but Prego intentionally left phones out of the rest of the process to discourage their use at the table. It’s also why the Connection Keeper lacks a screen. The goal was to minimize interactions with the device so family members instead focused on talking with each other.
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