Tweak your tech settings to protect your privacy

So much of our sensitive personal data is being tracked and sold that trying to protect our privacy can seem like a pointless exercise.

We can disable the location tracking on phone apps only to find new apps stalking us the next time we check. We can turn off personalized advertising and still get bombarded by marketers that ignore our wishes. We can be fooled by language that’s designed to protect companies’ access to data rather than our privacy.

All this surveillance allows advertisers to manipulate us into spending more. People who are struggling financially can be targeted by predatory lenders and other seedy companies. If there’s a database breach, criminals can buy our information for just a few dollars and use it to impersonate or target us for various scams.

As individuals, we have limited ability to stop the prying. Meaningful action typically must come from regulators and lawmakers. In my latest for the Associated Press, what steps we can take to reclaim small but significant chunks of privacy and send a signal to companies that we don’t like what they’re up to.

Thursday’s need-to-know money news

Today’s top story: How to bypass ATM fees while you’re on the road. Also in the news: Protecting your digital privacy after you die, 4 smart ways to split bills with friends while traveling abroad, and as the school year begins, beware of hackers.

How to Bypass ATM Fees While You’re on the Road
A little research could save you some bucks.

Who Gets Your Digital Assets: Heirs or Hackers?
Protecting your privacy after you die.

4 Smart Ways to Split Bills With Friends While Traveling Abroad
No need to make it awkward.

As the school year begins, beware of hackers
Hackers are especially targeting college students.