January 29th, 2013Top StorySimple Is Banking 2.0, and We've Got Priority AccessBy Adam Dachis Simple offers an online alternative to traditional banking, with a goal of providing features you care about and excellent customer support. Here's a look at what they have to offer and how you can get faster access to their invite-only service. I switched to Simple a few months ago and it has made managing my finances far easier than Bank of America. I don't have to worry about fees, I always know how much money I have, I'm alerted about any changes instantly, and the customer support team always offers quick answers to any problems that come up. While online banking isn't for everyone, I've really enjoyed my experience so far. This post details some of the best stuff Simple has to offer and a way to skip to the front the invite queue if you feel like giving it a try. How Simple WorksSimple is, well, pretty simple to understand. Instead of depositing your hard-earned cash in a physical bank, you use technology to do the job for you. When you sign up, you get a Simple VISA card that you can use to withdraw cash from an ATM or make purchases like you would with any bank debit card. The fun starts when you begin to see instant updates and alerts on your iPhone or Android. For example, when you purchase gas for your car Simple will let you know that the gas station may authorize $75 worth of charges but the final amount will change to the total given to you at the pump. When funds are available, you'll receive notifications, too. You can check up-to-the-minute information about your account on your smartphone, locate one of over 50,000 fee-free ATMs based on your location, scan checks for deposit, and much more. Essentially, Simple is a bank you interact with via your smartphone and computer rather than in person. That may frighten some, but many will find that the benefits are worth the sacrifices. Because online banking is a little scary for some, Simple requires strong passwords and an extra PIN on your smartphone to block out unwanted access if your mobile is lost or stolen. You can't use Simple without an iDevice or Android smartphone, which provides additional security because your bank account won't work without access. (You can, however, dump your smartphone after the initial setup.) Simple also allows you to block access to your debit card via the site and your smartphone, so if your card is lost (temporarily, anyway) you can just turn it off. (If you need to request a replacement through customer support, however, you won't be able to turn it back on.) Additionally, your money is insured to at least the FDIC limit (currently $250,000) and your personal information is never sold or shared with anyone. Simple wanted to create a banking replacement that provides the services of a Chase or Bank of America while adding new better features and focusing on making the experience ideal for the customer. The FeaturesSimple operates more like a tech startup than a bank, because in many ways that's what it is. This offers a number of advantages because it means new features are added regularly. Earlier this month Simple released their long-awaited Android app. Just today, they added several new features including the option to attach photos to purchases (e.g. receipts, general images), the option to spend from your savings goals (which we'll discuss shortly), and the aforementioned ability to block usage of your card for as long or as little as you desire. This fast-paced iteration means your bank gets feature upgrades frequently. Here are a few key features Simple offers that provide a better experience:
This is just a short list of features that Simple provides, but should give you an idea of some of their advantages. The Support TeamSimple puts a high priority on customer support. Not only is that important because they're an online bank, but because you want to work with kind people you can trust when it comes to your money. If you want to talk to a human, you can just give Simple a call. They also respond to email and messages on Twitter most often in minutes rather than hours. You don't receive just "yes" or "no" answers in most cases, either. If you have a problem and there isn't an outright solution, Simple's support staff will help you find a workaround. This is incredibly important with online banking because a number of transactions aren't as easy (e.g. cash deposits, large withdrawals) but are still possible. If you want to get an idea of how helpful their support team can be before switching, try inundating them with any number of questions. In my experience, they'll answer them enthusiastically, quickly, and with just the right amount of detail. The DownsidesWhen it comes to downsides, Simple offers many of the same issues that any online bank would: some transactions that may have been easy with a physical bank require a bit more effort. That said, you're trading that convenience for a number of new online conveniences. You can also retain a local bank account for the sole purpose of making local deposits when necessary. Simple also isn't accessible to everyone. If you don't own an iPhone, iPod touch, or Android smartphone, you can't use their service. You also have to wait to be invited, though we have a work-around for that below. For more on the ups and downsides of online banking, and help figuring out if it's worthwhile for you, check out this post. How to Sign Up and Get Invited ASAPSimple keeps their system closed and invites groups of people as they are able to accommodate them. That means you have to sign up for an invite and wait until they have room to provide you with an account. Normally that wait can be a little while, but Simple has agreed to give Lifehacker readers if they request an invite anytime this week (until 11:59 PM on Sunday, February 3rd 2013). All you have to do is click the link below to visit the Simple site, scroll down to the bottom of the page, and request an invite like you normally would. They'll know you came from Lifehacker and send you an invite within a few days. If you've already requested an invite from Simple but have yet to receive one, go ahead and make another request by following the aforementioned instructions. Be sure to do it by Sunday, however, as priority access is only available for that long. Images by bioraven (Shutterstock) and vso (Shutterstock). |
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Tuesday, January 29, 2013
Simple Is Banking 2.0, and We've Got Priority Access
Can Animals Be Mentally Ill?
January 29th, 2013Top StoryCan Animals Be Mentally Ill?Welcome to our science-like new feature, "Hey, Science," in which we will have our most provocative scientific questions answered by real live scientists (or related experts). No question is too smart for us to tackle, theoretically speaking. This week, experts answer the question: Do animals get mental illnesses, just like humans? Or is your dog just dumb? THE QUESTION: Animals act weird sometimes. There's even a flourishing industry of pet psychologists. But do animals actually become mentally ill, scientifically speaking, in the same way that humans do? Do we even know that? Or is this whole thing a bunch of speculative pseudoscience? Also, I gave my dog some of my Prozac, is that cool? Michael Oglesbee, Professor and Chair, Department of Veterinary Biosciences, Ohio State University:
Meghan E. Herron, veterinary behaviorist, Department of Veterinary Clinical Sciences, Ohio State University:
Christopher L. Mariani, veterinary neurologist, College of Veterinary Medicine, North Carolina State University:
Hugh McClelland, emergency veterinarian, Affiliated Pet Emergency Services, Gainesville, FL, also we used to light off fireworks together when we were kids:
THE VERDICT: Animals do suffer from mental illnesses. Caveats: 1) not necessarily the same mental illnesses as humans, and 2) diagnosis of animal mental illness is based on animal behavior, a trickier task than the diagnosis of mental illness in humans. If you want to get your pet's mental illness diagnosed, go to a certified veterinary behaviorist, not a bullshit "pet psychologist." And don't give your dog Prozac unless he's been a very good boy. [Thanks to question-asker JRL and to all of our experts. Do you have a question for "Hey, Science?" Email me. Image by the talented Jim Cooke.] |
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Let’s Rank The Final Fantasy Games, Best to Worst
January 29th, 2013Top StoryLet's Rank The Final Fantasy Games, Best to WorstFor the past two months, we've been running a feature called Pecking Order, in which we rank every game in a series, from best to worst. First up was Halo, then Grand Theft Auto. Now it's Final Fantasy's turn. Which game in Square's crystal-packed behemoth is the best? Which is the worst? Which has the cutest moogles? Which has the best Aeris death? Before I start ranking Square's flagship series, let's lay down some ground rules. 1) We'll only be covering the single-player Final Fantasy games, because throwing in the online Final Fantasys is like comparing apples and chocobos. 2) Only games in the main series. No direct sequels, no spinoffs. That takes us down to a manageable number: 12. 3) Remember, this is my personal opinion. You are more than welcome to post your own rankings and/or get really angry in the comments. But this is just my personal order of favorites. Keep that in mind. Onwards. 1. Final Fantasy VISometimes I wonder how much different my life would be if I hadn't discovered Final Fantasy VI and realized that hey, holy crap, video games can actually make you feel things. When I think about my favorite gaming moments, my mind always moseys back to the sixth Final Fantasy: from 16-bit bellowing at the Opera House to the reunion between the wildling Gau and his insane father, the individual scenes of FFVI are all brilliantly crafted, combining to make one hell of an overall experience. And the music! The music! RPGs don't get much better than this. 2. Final Fantasy IXMost people think of the ninth Final Fantasy as one big homage to old-fashioned design, which is true, but it shines because it feels so unequivocally modern. Yes, you've got plenty of genre tropes here—wizards, knights, crystals, dwarves—but how many old-school RPGs tell the story of a person trying to deal with the fact that yes, he is a clone, and yes, he's going to die very soon? Final Fantasy IX has some great dungeons and a really interesting world, but it's the writing—and the impeccable U.S. localization—that makes this game stand out. "How do you prove that you exist...? Maybe we don't exist..." 3. Final Fantasy IVThis is one of those "I know this game isn't really that good, but I've played it to completion at least 20 times and it's got sentimental value and also if you want I can recite to you, off the top of my head, an exact play-by-play of everything that happens, which is kind of weird but whatever" picks. FFIV might not hold up so well today, but in the early 90s, there was nothing like it. We were so used to RPGs with shoestring narratives like "go find the ORBS and save the PRINCESS," it was mind-blowing to pick up the Super Nintendo and find a twisty, powerful story about actual human beings and their emotions: love, revenge, jealousy. Also you get to go to the moon. 4. Final Fantasy VIIMuch has been written about the charms of FFVII: the eco-terrorism, the terrifying bishounen bad guy, the elegantly simple materia system. But my favorite thing about this game is that it never takes itself too seriously. Even while your characters are suffering identity crises and trying to save the world, there's always room for a slap fight, some cross-dressing, and Red XIII in a sailor suit, which isn't quite as cute as it should be. 5. Final Fantasy VPeople generally remember Final Fantasy as a game where four heroes go around the world collecting elemental crystals, and Final Fantasy V epitomizes that concept. You go around the world, fight through dungeons, get better equipment, unlock new classes for your characters, and eventually fight a giant demon tree. Even in the late 90s, when FFV first came to U.S. shores as part of a PlayStation 1 collection, this was all typical RPG fare, but there's still something really satisfying about the fifth Final Fantasy's class system and how you can use it to turn your characters into powerhouses of your own making. FFV also produced one of the most iconic Final Fantasy songs out there. 6. Final Fantasy VIIILike many modern JRPGs, FFVIII starts off with a bang, then kind of fizzles when it turns out everyone had amnesia. But playing around with magic is really rewarding, the card mini-game is one of the best things you can do for fun in any video game, and you can fly a school. YOU CAN FLY A SCHOOL. 7. Final Fantasy XWhile it's not quite clear how much involvement Final Fantasy creator Hironobu Sakaguchi had with the tenth installment in his massive series—he's credited as an executive producer—I suspect that this is the game that made him want to go to Hawaii and surf all day. Filled with beaches and bathing suits, FFX is best known for starring Meg Ryan an aggressively whiny hero named Tidus who plays an underwater sport called Blitzball that's kind of like soccer if soccer was A) underwater B) played with magic and C) actually fun to watch. FFX is quite good in a lot of different ways, even when the journey starts to drag—and even when you want to smash your television while trying to dodge lightning bolts or complete one of the game's other infuriating side quests. 8. Final Fantasy IIIAlso known as the beta version of Final Fantasy V, FFIII is a really solid RPG marred by an impossibly unforgiving final dungeon, in which you have to battle through a gauntlet of difficult bosses with no save points in sight. Die once and you could have to redo hours of progress. Even the DS remake didn't make that final trial—which is a challenge in the same way that sticking your hand into an oven is a challenge—any more palatable. I recommend playing through the whole thing, then quitting before the last dungeon. Watch the end on YouTube or something. 9. Final Fantasy XIIRemember Vaan? Me neither. FFXII is best described as a single-player MMORPG, which might be why it ripped most of its plot from Star Wars and most of its characters from a Disney movie. (Vaan is Aladdin. Balthier is Jack Sparrow.) Still, the world is sweeping and lovely, and the combat system is brilliant: you can test out your AI programming skills using what the game calls Gambits, or actions that you can assign to your characters based on certain conditions. You could make one hero cast a heal spell as soon as someone loses more than half of their health, for example. The combinations aren't quite endless, but they're a great deal of fun. 10. Final FantasyWhile remakes of the first Final Fantasy have removed some of the antiquated moments—like how in combat, a character would stand around hitting empty space if their original target died, instead of moving onto the next one—the game still feels very old. But hey, if you want to see how this whole train ride began, from light warriors to deus ex machinas, the first Final Fantasy is still quite playable—and quite enjoyable—even today. (Just don't play the NES version.) 11. Final Fantasy IIThis is the black sheep of the bunch. The second Final Fantasy discarded RPG conventions in favor of a SaGa-like leveling system where your characters gain stats based on their use in combat. Your heroes gain hit points, for example, after taking lots of damage in battle. Of course, savvy players figured out that they could break the game by just sitting in combat for an hour and making all their characters whack one another for HP gains afterwards. Whoops. Regardless, FFII isn't bad, but it's bad for a Final Fantasy game. Also, when you start, if you walk in the wrong direction, you'll die. Fun! 12. Final Fantasy XIIIBest known as The One Where You Walk In A Straight Line For 25 Hours, Final Fantasy XIII takes some really great components—eye-popping graphics, a killer battle theme, and fascinating combat—and packages them in a mediocre game. FFXIII's biggest problem, as I've written before, isn't that it's too linear: it's that the game discards all illusion or pretense of being an RPG. While games like Final Fantasy VII don't let you veer from the main plot all that much, you can still visit towns, talk to NPCs, and do interesting things that don't involve walking in a straight line, fighting, and watching cut-scenes. Gone are brilliant dungeons like the Ghost Train or the Babel Giant. Say farewell to fun mini-games like blitzball and Triple Triad. FFXIII is a shallow, lifeless experience that might be more forgivable if its writing wasn't so wretched. But hey, moms are tough. Okay, your turn. Post your thoughts—and your own Final Fantasy rankings—below. |
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