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Why WhatsApp users are pushing family members to Signal

Why WhatsApp users are pushing family members to Signal

When WhatsApp users started freaking out about privacy on the messaging app last month, Kevin Woblick knew it was time to encourage his family to move to another chat service: Signal.

The 30-year-old German software developer had broached the topic after Edward Snowden leaked classified documents detailing America's mass surveillance program. But Woblick couldn't convince his family to delete WhatsApp despite the Snowden news and the global uproar over digital privacy that followed. So this time, he took a gentler approach. 

"It wouldn't be too inconvenient to have a second messenger on your phone right?" he asked his family. He found it amusing that his grandma was the first to agree to download the app. Then, the rest of his family followed.

Woblick and his family are among the exodus of WhatsApp users bolting from the Facebook-owned messaging app to services like Signal that are seen as secure alternatives. Making the move isn't easy, because people naturally gravitate toward apps their friends and family use, and then stick with them. In India, WhatsApp's largest market, switching to another messaging service is even tougher because of its enormous reach. 

WhatsApp, which Facebook bought in 2014 for $19 billion, is used by more than 2 billion people in over 180 countries. The popular app is an online space where people go to chat, shop and share news. More than 175 million people message a business on WhatsApp daily, allowing them to browse or buy items, ranging from cakes to flights. The messaging app, though, has also been criticized for not doing enough to curb the spread of misinformation that fuels violence. In 2018, false rumors about child kidnappers ignited mob violence and killings in India, prompting WhatsApp to limit message forwarding.

Outrage over privacy on WhatsApp began to grow in January, when the service notified users it was updating its privacy policy and terms of service. The update included details about how WhatsApp data could be used and shared when a user messages a business on the app. Some users thought the changes meant WhatsApp could read their messages and listen to their personal phone calls. WhatsApp said the messaging service can't read personal messages, because they're end-to-end encrypted, and that the changes wouldn't expand the app's ability to share data with Facebook. 

WhatsApp responded to the fallout, pushing back the update until May. It placed newspaper ads in India, shared more information on its website, and used Status, a tool that lets users post content that disappears within 24 hours, to assure people their personal WhatsApp messages remain private. 

By then, though, the damage had been done. 

From Jan.1 to Jan. 25, compared with Dec. 7 to Dec. 31, Signal installs jumped 4,868%, while downloads of WhatsApp fell roughly 16%, according to data from data analytics firm SensorTower. At one point, the surge in new users led to a daylong outage on Signal. A spokesperson for Signal said the app "had a record breaking January" but declined to say how many users are on the app. 

Unlike WhatsApp, Signal isn't owned by a company. It's funded by a nonprofit set up by Moxie Marlinspike and Brian Acton, who co-founded WhatsApp but left the social media giant in 2017. Besides the user outrage, the encrypted-messaging service has also been endorsed by high-profile figures, including Snowden and Tesla and SpaceX CEO Elon Musk.

David Choffnes, an associate computer science professor at Northeastern University, said WhatsApp's policy updates could've rekindled concerns over Facebook's poor track record with privacy. He pointed to the scandal involving Cambridge Analytica, a British political consultancy, that harvested the data of roughly 87 million Facebook users without their permission. 

"The whole world has lost a lot of trust in Facebook," Choffnes said, adding that the WhatsApp backlash "was sort of like a powder keg ready to ignite."

Nidhi Hegde, director of strategy and programs at the American Economic Liberties Project in Washington, DC, said her family uses a mix of WhatsApp and Signal. Some didn't want to switch to a new messaging service, especially after WhatsApp delayed its privacy updates. On Thursday, WhatsApp was No. 3 in Apple's top apps for social networking, and Signal was No. 12.

"I think what it has done is make a lot more people (like my mom and older relatives) who are not particularly tech-savvy or thinking about privacy become more aware of Facebook's power and how their personal data is mined for targeted advertising to feed Facebook's business," Hegde said in an email. "And they are now significantly concerned that they have no choice but to accept the terms."

Last month, WhatsApp users got a notice telling them the app's 3,800-word privacy policy and 5,000-word terms of service were being updated to include information about processing of user data, the ability of businesses to use Facebook services for managing chats, and the relationship between WhatsApp and Facebook. The notice linked to the revised policies but didn't outline the exact changes users were agreeing to if they accepted the updates.

The changes spell out what happens to your data when you message a business on WhatsApp, which is different from chatting with friends and family. Some businesses might make communications available to a third-party service provider that manages their chats with customers, which can include Facebook, the revised privacy policy says. WhatsApp labels chats with businesses that use Facebook's services to manage their conversations. A WhatsApp FAQ on the changes also notes that when a person messages a business, the store might use that information for marketing, which could include Facebook ads. 

Some users thought the updates meant WhatsApp was going to force them to share personal data with Facebook for the first time. (But WhatsApp has already been sharing data with Facebook to suggest content and connections, and display "relevant offers and ads." The company updated its privacy policy in 2016 to reflect that and WhatsApp users that year were allowed to opt out of this data sharing.) 

On social media, WhatsApp users quickly began sharing strategies about how to get family and friends to migrate to Signal or other messaging apps. 

Siddharth Rao created a public Google doc he shared on Twitter titled "How to start a conversation about the Signal app with your family." Rao, a security and privacy researcher in Finland, said he's trying to learn more from WhatsApp users about their experience migrating to Signal and whether they stayed after the move. Many of the people who added to the document still have "one leg" in WhatsApp and the other in Signal, he said. 

One strategy included in the document is to lie and tell people that WhatsApp is shutting down. Other tips include easing users into deleting WhatsApp after they've tried Signal, by disabling notifications for the Facebook-owned app.

Shachin Bharadwaj, an entrepreneur who splits his time between India and California, said he received anxious messages from his parents after the privacy changes were announced, concerned that WhatsApp was going to read their chats. The 38-year-old said he also recalled seeing videos, including one that called Facebook "evil" and claimed the company was planning to listen to users' conversations. 

Bharadwaj knows that private messages remain encrypted on WhatsApp, but that didn't stop him from downloading Signal last month. He's used WhatsApp to order items such as medication in India, but he feels like there's just "too much happening" on the Facebook-owned service and wants to keep his most personal chats, like his family chats, on Signal. He now splits his messaging between the apps.

"I don't think you can ever leave WhatsApp as of the situation in India today," Bharadwaj said, pointing to the amount of WhatsApp users in that country. "But my idea was to move quality conversations to Signal."

As for Woblick, he thinks it'll "take a lot of time" before he's comfortable deleting WhatsApp, because some of his friends stayed on the app. For now, however, he's OK with using both. "For me it was more important to do that first step and migrate the most important people and contacts to Signal so I'm able to work with them without needing to use WhatsApp," he said.

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5 ways the world will change in 2022: CNET's predictions for the year ahead

5 ways the world will change in 2022: CNET's predictions for the year ahead

This story is part of The Year Ahead, CNET's look at how the world will continue to evolve starting in 2022 and beyond.

Even before the momentous events of 2020 and 2021 shook up the planet, the tectonic plates of culture, society and technology were already shifting and reshaping the world. The pandemic took those changes and accelerated them, exacerbated them, and in some cases, threw them into chaos. 

As we speed into 2022, one question remains: Where are we headed next?

In tech, health, money, transportation, home and family life, we can be confident of one fact: Things are changing, fast. As in years past, CNET has its finger on the pulse of the ever evolving world and we're confident our CNET: The Year Ahead stories will help you navigate these choppy waters.

During this three-week series -- which will include CES -- we'll especially tackle five themes that will shape 2022.

1. The pandemic and the future of health

COVID-19 largely caught the world by surprise. When the World Health Organization declared the pandemic on March 11, 2020, few of us suspected that it would lead to two years of shutdowns, social distancing and disruptions. Things appeared to be normalizing in mid-2021, but then the Delta variant -- and later the Omicron variant -- touched off renewed shutdowns.

Will 2022 be the year that COVID-19 transitions from a pandemic to an endemic? That's what we're all hoping, of course, but there's no going back to 2019. For example, expect more of the world to follow Asia's lead, where people have been wearing masks in public for years if they were sick (out of courtesy to the people around them) or immunocompromised. 

And, healthcare will never be the same post-pandemic. Expect telehealth to become commonplace now that a lot more people have been exposed to using video calls for health visits. And the COVID-19 vaccine will forever change the way vaccines (and potentially other therapies) are created. It's not unusual for vaccines to take a decade to develop, but these were created in 10 months using genetics and mRNA technology. This could prove to be one of the most important medical breakthroughs of the century.

2. Hybrid work and the 'Great Resignation'

Work and school were perhaps the most disrupted aspects of life during the pandemic. While schools largely returned in-person, work has been a far slower process. Many employees have decided that they prefer the work/life balance of remote work and many have migrated to be closer to family or moved farther away from city centers to have more space and fresh air.

Meanwhile, many employers have become infatuated with the productivity gains of remote work and the ability to scale down their commercial real estate holdings for significant cost savings. 

The most surprising trend that's likely to continue to gain steam in 2022 is the Great Resignation. More people are quitting their jobs and reprioritizing their lives than ever -- CNET's Farnoosh Torabi even has advice. In December, the US Labor Department reported that the number of people quitting their jobs remains at record high levels. How could we go through something as jarring as the pandemic for the past two years and not be changed by it? The Great Resignation is just one example of how those changes are manifesting themselves. 

3. Crypto, inflation and what's next for your finances 

Money and personal finance also remain in the midst of tectonic shifts. In November, inflation hit its highest level since 1982 at 6.8%. The inflation of real estate and cars will be closely watched in 2022, after eye-watering numbers in 2021. The stock market's bull run looks likely to continue with interest rates at such low levels, but its volatile swings are getting more pronounced. There's a big question about whether tech and other growth stocks have run out of steam or are getting ready for another run. 

Speaking of growth, cryptocurrencies have been breaking new highs and attracting more interest. The crypto exchange app Coinbase passed TikTok and YouTube to become the most downloaded app in Apple's App Store a couple times during 2021. Some view the world's most popular cryptocurrency, Bitcoin, as a hedge against inflation. Politicians, athletes and others started taking their paychecks in Bitcoin in 2021. We'll see if your employer will offer you that option in 2022.

4. Space, travel and the next internet

One of 2022's most dramatic developments is the new space race. China and Russia are collaborating on a future moon base (in 2030) as well as landing a robot on an asteroid (in 2024). Not to be outdone, NASA announced its next 10 future astronauts in December with ambitions for a future Moon mission.

Private space companies SpaceX, Blue Origin and Virgin Galactic all sent civilians into space in 2021, and they are all teasing the promise of a future of space tourism. Their ambitions will get bigger in 2022. This will be the year that SpaceX plans to put its Starship reusable rocket and space vehicle into flight for its first missions. Speaking about Starship, SpaceX CEO Elon Musk said, "This is a profound revolution in access to orbit. There has never been a fully reusable, orbital launch vehicle. This is the holy grail of space technology. It is the fundamental breakthrough that is necessary for humanity to become a space-faring civilization." 

Meanwhile, SpaceX's StarLink and Blue Origin and Amazon's Project Kuiper will launch thousands of low orbit satellites into the atmosphere in 2022. Their mission to bring fast, reliable broadband internet at a reasonable price to every corner of the planet is a welcome advance. But, the side effect is tons of space debris that could disrupt astronomers' telescopes, collide with spacecraft and create massive amounts of space junk. Apparently, they've never watched the movie Wall-E.

5. The EV has arrived -- and it means business

Electric vehicles, or EVs, are poised for a huge year in 2022 after a number of breakthroughs in 2021, including the Tesla Model 3 becoming the bestselling vehicle in Europe in September. The writing is on the wall for fossil fuel-burning vehicles. The US will discontinue purchases of gas-powered vehicles by 2035, the UK will do so by 2030 and a broader coalition of countries have set 2040 as a global date for ending fossil fuel vehicles.

Musk, also the CEO of Tesla, predicted that the Tesla Model Y compact SUV will become the bestselling vehicle worldwide in terms of revenue in 2022 -- beating out the Ford F-150 pickup and the Toyota Corolla compact. But the biggest EV story of 2022 is likely to be the transition in trucks, with the Chevy Silverado EV, Ford F-150 Lightning, Tesla Cybertruck and Rivian R1T dominating the headlines. 

Consumers should also keep in mind that a gas-powered vehicle you buy today could have its resale value drop steeply in the years ahead as demand plummets because of people transitioning away from old combustion engine technology to EVs.

The future

The changes sweeping across the planet will not slow down in 2022, even if the COVID-19 pandemic finally recedes to become endemic. Beyond the five big themes mentioned above, CNET: The Year Ahead will cover a wide range of topics to help you get your head around what's coming.

We'll leave you with one last topic you should expect to hear a lot about in 2022: the metaverse. Plenty of us would love to step into a version of the holodeck from Star Trek, and it's hard not to notice the explosion of online gaming during the pandemic. But let's keep our metaverse expectations low for 2022. A lot of work needs to be done to build better virtual reality headsets and an ecosystem of truly immersive virtual worlds. If we get a few encouraging glimpses of the metaverse in 2022, we should count ourselves pretty happy.

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Test pilots. Engineers. Physicists. A US National Team cyclist. A SpaceX flight surgeon. NASA announced its 2021 class of 10 future astronauts on Monday, and they're a diverse group of high achievers. NASA calls them the "Artemis generation" because they're likely to be heavily involved in future Artemis-program missions to the moon.

"The women and men selected for the new astronaut class represent the diversity of America and the career paths that can lead to a place in America's astronaut corps," the space agency said in a statement.

NASA's candidates, the first ones since 2017, were chosen out of a pool of over 12,000 applicants and received their official introductions during an event near the Johnson Space Center in Houston. You can watch the replay here:

The candidates will kick off two years of intensive training in January. They will learn how to operate equipment for the International Space Station, prepare for spacewalks, advance their robotic skills, learn or improve their Russian language and operate a training jet. The reward for all that work could be trips not just to orbit, but possibly all the way to the moon.

Nichole Ayers is a major in the US Air Force and a combat aviator with experience in the F-22 fighter jet. "Ayers led the first ever all-woman formation of the aircraft in combat," NASA said.

Marcos Berrios, also a major in the US Air Force, is from Puerto Rico. Berrios is a test pilot and aerospace engineer. 

Christina Birch has a doctorate in biological engineering from MIT and is a track cyclist on the US National Team.

Deniz Burnham is a lieutenant in the US Navy and a former intern at NASA's Ames Research Center in California. Burnham has a background in mechanical engineering and experience as a drilling-projects manager.

This patriotic view shows an American flag with the SLS rocket at NASA's Kennedy Space Center. SLS will power the Artemis moon missions.

NASA/Frank Michaux

Luke Delaney is a retired major in the Marine Corps with experience as a naval aviator and test pilot. Delaney is familiar with NASA after having worked as a research pilot at the agency's Langley Research Center.

Andre Douglas has a collection of engineering degrees from multiple universities. "Douglas served in the US Coast Guard as a naval architect, salvage engineer, damage control assistant, and officer of the deck," NASA said.

Jack Hathaway, a Navy commander, is a distinguished aviator with "more than 2,500 flight hours in 30 types of aircraft." 

Anil Menon also has an Air Force background and was SpaceX's first flight surgeon. "Menon is an actively practicing emergency medicine physician with fellowship training in wilderness and aerospace medicine," NASA said.

Christopher Williams is a medical physicist and researcher studying image guidance techniques for cancer treatments.

Jessica Wittner, a lieutenant commander in the Navy, spent her military career as an aviator and test pilot. 

Most of the candidates are in their 30s. Delaney and Menon are in their 40s. NASA has stringent requirements for its future astronauts. They must be US citizens, pass a rigorous, long-duration flight astronaut physical, and hold a master's degree in a science, technology, engineering or math field, along with at least three years of related experience.

Each candidate spoke briefly during the event. Many of them talked about people who inspired them, the excitement of space exploration and the importance of teamwork. Berrios took a different route. He said he would like NASA to scale up the Ingenuity Mars helicopter to carry people, though that's probably a pipe dream.

NASA is hoping to launch its first uncrewed Artemis I test mission next year. Berrios may not get to fly a helicopter on Mars, but he might touch his boots down on the moon one day. 

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Top Reasons the IRS Could Flag Your Tax Return

Top Reasons the IRS Could Flag Your Tax Return

This story is part of Taxes 2022, CNET's coverage of the best tax software and everything else you need to get your return filed quickly, accurately and on-time.

According to the IRS website, an audit is simply a review of accounts and financial information "to ensure information is reported correctly according to the tax laws and to verify the reported amount of tax is correct."

But many taxpayers live in fear of being audited or receiving any sort of feedback from the IRS other than a confirmation (or refund). Audits can be triggered at random, but certain kinds of taxpayers -- and certain behaviors -- are more likely to raise red flags with the agency.

Below, we've spoken with tax experts about the chief mistakes people make that generate more scrutiny from the IRS. We'll also explain what you can do to avoid making errors and how far back into your records the agency will look.

1. You have missing or mismatched paperwork

"There's no one single thing that automatically triggers an audit," said Jo Willetts, director of tax resources at Jackson Hewitt, "but mismatched documentation is the most common reason why you'll get a letter from the IRS."

It can be as simple as a missing form, she said, "and often it happens to people who rush around at the last minute." 

Last year the federal government offered a variety of financial support programs to offset the economic effects of the pandemic, notably the child tax credit, the earned income tax credit, a third stimulus check and the American opportunity tax credit, which allows you to claim up to $2,500 in education expenses.

But you have to show you legitimately qualified for these benefits, Willetts told CNET. 

"If, last year, you claimed no child tax credit and this year you claimed three kids and they're not babies, it's going to trigger a letter from the IRS," she said.

That doesn't mean you're always in the wrong: You might have had a child in May 2021, and the IRS is working off information it has on you from 2020. 

While the EITC is aimed at lower-income households, taxpayers who claim it are among the most likely to be audited, accounting for nearly 31% of all audits over the past 10 years, according to a 2021 report from the US Treasury Department (PDF).

That's because fraud is so rampant, according to the IRS: Some $16 billion, or 23.5% of EITC payments, were improperly paid in fiscal year 2020.

2. You made a mistake with the math or data entry

While simple math errors won't usually trigger a full-blown examination by the IRS, they will garner an extra look and slow down the completion of your return, even if the error is in the IRS' favor.

So can entering your Social Security number wrong, transposing the numbers on your address and other boneheaded blunders.

Filing electronically cuts down on these foul-ups by pulling a lot of information from previous returns and letting you load your W-2s or 1099s directly into the system.

Using a professional tax preparer is also a good bulwark against mistakes and miscalculations.

3. You're self-employed

"If you work for yourself and have legitimate business expenses, you should feel empowered to take them," said Lisa Greene-Lewis, a TurboTax tax expert. "Just make sure you have receipts and documentation to back it up."

If you claim the home-office deduction, it has to be a space used "exclusively and regularly for your trade or business" -- not the dining-room table. 

If you claim transportation expenses, you'll need documentation of the mileage used for work: If you deduct 100% of your personal vehicle as a business expense, it's going to raise a flag. 

The largest percentage of Americans who are audited make over $1 million.

Sarah Tew/CNET

Being diligent is especially true when deducting business meals, Greene-Lewis added. 

In the past, they were only 50% deductible -- now you can now claim 100% of the cost of a business meal, "but you have to document who you are with, what the purpose of the meeting was, the date of the meal, and so on," Greene-Lewis said. 

"And of course, keep your receipts," she added.

Read more: Best Tax Software for Freelancers, Gig Workers and Self-Employed

4. You make a lot of money, or no money at all

Higher-income taxpayers are more likely to be reviewed, said Willetts, "but we're talking less than 1% of the total population."

According to the IRS, 2.53% of those earning between $1 million and $10 million were audited in 2015, and 8.1% of Americans who made $10 million or more were.

That compares to less than 1% for all the income brackets under $1 million that year.

The one exception was those declaring "no positive income," 4.47% of whom were audited. A negative income could be the result of capital losses or declared business expenses, which the IRS will want to scrutinize.

You're in the safest position if your total household income is between $25,000 and $200,000, according to the agency. Those taxpayers were audited the least. 

5. You claim too many business expenses or losses

You are required to file a Schedule C form if you have business income, but it complicates your return and can make you more likely to be contacted by the IRS.

Greene-Lewis encourages taxpayers to claim every deduction they're legitimately entitled to. But, she adds, you have to be extremely diligent in justifying those deductions, providing details and supporting paperwork.

The IRS' computer system is looking for deductions that are outside the norm for people in your profession.

Angela Lang/CNET

By and large, the IRS algorithm is looking for deductions that are outside the norm for people in your profession: If you're a patent attorney but your travel expenses are three times what other patent attorneys claim, it could lead to closer inspection.

And If you've taken a loss on your business for several years in a row, the IRS might want to make sure your business is above board.

According to Thomas Scott, a tax partner at Aprio, small business owners who keep sloppy records often make "frivolous business deductions."

"When the business owner makes up expenses and deductions, they tend to stick out," Scott told CNET. "Under an audit, the IRS will require support and proof of deductions and if not provided these deductions will be disallowed."

On a similar note, Scott added, "businesses that try to take incentives and credits that they don't qualify for may cause a red flag."

6. Your charitable deductions are outsized

If you itemize your deductions, you can claim cash donations to recognized charities -- as well as the value of a donated car, clothes or other property. But the IRS notices if these donations "seem out of whack with your income," says Greene-Lewis. The agency's computer system, called Discriminant Information Function, continuously scans tax returns for anomalies.

"If you say your salary was $50,000 last year, but you claimed a charitable deduction that's, like, half your income, it's going to catch their eye," Greene-Lewis told CNET.

For the 2021 tax year, the IRS actually suspended the typical limits on charitable contributions: Individuals are allowed to deduct charitable contributions worth up to 100% of their adjusted gross income.

But doing so is likely to draw scrutiny, so you better have all your paperwork in order.

7. You have undeclared income

This is the big one: Employers are required to file a W-2 with the IRS that reflects your earnings, or 1099s in the case of freelancers and contractors who earn more than $600.

The agency's computer automatically checks to see that your reported income matches up to what your boss submitted. 

It also gets notified of interest or earnings from savings accounts, investments and stock trades, too -- as well as large gambling wins, inheritances and almost any other kind of income. If you fail to report capital gains on cryptocurrency trades, it could trigger an audit.

Even if you work in a cash business -- say, as a waiter or babysitter -- unclaimed income can catch up to you.

"If someone is bringing their child to you to care for, they're probably claiming your service on their taxes. So you need to make sure it all aligns," says Willetts. "Even a small business like a house painter will require you to be bonded. That will eventually cross the IRS's desk." 

For instance, if you declare $20,000 in income on your tax return, but when you apply for a home loan backed by the Federal Housing Administration, you put down $80,000. "These departments talk to each other and eventually it's going to get you caught," Willetts added.

According to Aprio's Thomas Scott, small-business owners who don't keep good records also tend to underreport -- a major audit risk.

"Because the business owner hasn't kept up with their income for the entire year, when it's time to file their taxes they tend to estimate," Scott says. "The problem with this approach shows up because most of the income earned has been reported to the IRS on a Form 1099. The IRS can match the income reported on the owner's return to the income reported on Form 1099s."

The IRS also accepts tips from concerned citizens: Your disgruntled co-worker or aggrieved in-law may be only too happy to report you for tax fraud, especially since the agency's 2006 Whistleblower Program increased incentives to potentially between 15% and 30% of the proceeds the IRS collects.

The three kinds of 'audits'

Typically, the IRS sends three different kinds of notifications: Adjustment letters, correspondent audits and examination audits.

Adjustment letters simply let taxpayers know they owe additional money or that there is a change in their refund amount, typically because of a miscalculation. 

"People get a letter from the IRS and they automatically freak out and think it's an audit, but it's really just an adjustment letter," said Greene-Lewis.

A correspondence audit is a bit more involved: It lets the taxpayer know additional documentation is needed to complete their return. The IRS might ask for receipts, bills, employment documents, canceled checks, legal papers, loan agreements, shareholder reports or even ticket stubs.

An examination audit is what people are really scared of, but less than 1% of Americans are audited in a given tax year, said Willetts. "Generally the IRS says 'If you have the documents, send them to us.'" 

If you do receive a letter indicating the IRS is conducting an examination audit, you might want to solicit a professional, she added.

The process may be conducted through the mail, or more rarely, in person. (In March 2020, the IRS suspended face-to-face examinations because of the COVID-19 pandemic.)

When the audit is completed, your IRS auditor will determine what's required to rectify the situation. If you disagree, there is an appeals process.

Some of the things that get flagged by the agency are no big deal, Willetts said, "and the IRS is not always right -- or not fully right." In 2018, 30,000 of the million or so audits conducted resulted in taxpayers getting additional money back. 

"It's always a pleasure to resolve an issue with the IRS when it's the taxpayer's favor," said Willetts.

How far back can the IRS go to audit a return?

Generally, the IRS will include returns filed within the last three years in an audit, with most audits of returns from the last two.

"If we identify a substantial error, we may add additional years," according to the agency's website, which adds it doesn't usually don't go back more than the last six years.

If an audit is not resolved, the IRS may request extending the statute of limitations for assessing additional taxes and fees, which is usually three years after a return was due or was filed, whichever is later.

The auditee doesn't have to agree to the extension of the statute of limitations date, according to the IRS. "However if you don't agree, the auditor will be forced to make a determination based upon the information provided."

How long should you hold onto your old tax records? 

Since the IRS typically looks at returns from the past three years, it's a good rule of thumb to hold onto your records for at least that long.

Six or seven years is fine if you really want to cover your bases. The agency itself says it won't go back further than that.

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5 Best Online Therapy Services for 2022

5 Best Online Therapy Services for 2022

The destigmatization of mental health has come leaps and bounds over the years, but access to traditional resources hasn't followed suit. As per a study, up to 70% of the people who need mental health care don't have access to it. Enter online therapy. It helps bridge the gap and offers resources to those who otherwise can't get help, whether because of location, finances or scheduling conflicts. 

There are plenty of reasons traditional therapy may not be the best option for you. The convenience and flexibility of online therapy are quickly making it one of the most popular ways to connect with mental health professionals. If you're considering giving online therapy a try or just interested in learning more, here are our top six choices for the best online therapy. 

But not all online therapy platforms are created equal. Below, a primer on five popular HIPAA-compliant therapy services that only employ licensed and trained mental health professionals. 

Read more: Best Mental Health Apps  

BetterHelp

BetterHelp is one of the largest, reputable online therapy platforms that gives you access to over 12,000 experienced mental health professionals. You can feel confident about the therapist you work with through BetterHelp therapists, thanks to experience requirements and a thorough vetting process. Every therapist has a minimum of three years and 1,000 hours of hands-on experience. 

After you sign up and complete the questionnaire, you'll be matched with a therapist, generally within a day. BetterHelp therapists specialize in various areas, including anxiety, depression, substance abuse and eating disorders. You can message your therapist from anywhere, anytime. However, that doesn't mean you will always get an immediate response. Given they are real people, they aren't available 24/7. 

The cost of online therapy with BetterHelp ranges from $60 to $90/week. You are billed monthly. According to the website, pricing is based on your location, preferences and therapist availability. Some users did note frustrations with customer service and technical issues with the BetterHelp app. 

BetterHelp best features:

• You can participate in video calls, instant messages, text and live therapy sessions with your counselor. 
• On the website, you have access to blog articles and educational content.

Things to consider:

• BetterHelp doesn't accept insurance, so what you see is what you'll pay. Financial assistance may be available through BetterHelp for qualified individuals. The initial questionnaire determines the eligibility for financial assistance, as it asks about employment and financial troubles. 
• You get talk therapy with BetterHelp; counselors do not diagnose or prescribe medication. 

Talkspace

Talkspace is one of the most versatile online therapy platforms with several communication methods, therapy options and price points. With Talkspace, you get message-based therapy that's a great option for those who feel comfortable sharing through video or have a changing schedule that cannot commit to weekly sessions. 

Starting Talkspace is simple. Once you sign up, you complete an assessment that includes the payment plan options. Talkspace has three therapy subscription options. Messaging therapy which includes text, video and audio messaging with a therapist, starts at $69/week. Live therapy starts at $99/week and includes four 45-minute live therapy sessions each month. The last subscription option combines the two. Starting at $129/week, it includes four live sessions and text, video and audio messaging. Talkspace notes that pricing is based on where you live and the network of available therapists. 

After you select which plan you want, a consultation therapist selects a list of matched therapists that you can choose from. 

Talkspace best features:

• Those with an employee assistance program through their employer may have coverage. 
• A psychiatrist through Talkspace Psychiatry has the ability to prescribe medication and help you manage it. These services cost $249 for the initial consultation and $120 for your follow-up sessions. 
• TalkSpace has a network of over 3,000 mental health professionals. 

Things to consider:

• While still more affordable than traditional therapy, Talkspace doesn't offer sliding scale payments. However, Talkspace does offer the occasional discount. 
• Your therapist may not reply immediately to messages; it typically takes a day. 
• Recent user reviews note that customer service and insurance claims with TalkSpace can be frustrating. 

Cerebral

Cerebral takes the spot for the best online therapy platform for medication management, thanks to its all-in-one approach to mental health. You have access to talk therapy and medication with a licensed psychiatrist. Those who manage their prescriptions through Cerebral will be shipped directly to your home. 

There are three membership plans. Medication and care counseling includes evaluation, diagnosis and prescription from a psychiatrist, medication delivery and weekly video/phone sessions. This plan is $85/month. Mediation and therapy costs $325/month and includes everything the first plan does, though you can chat with your therapist anytime. The final is therapy, which does not include any medication though weekly meetings with your therapist. It costs $259/month. 

Cerebral subscriptions are about average compared to competitors for out-of-network providers. However, if you have an insurance plan that Cerebral accepts, the price can be as low as $30/month, plus a copay.

Cerebral best features: 

• Membership plans are FSA/HSA eligible. 
• Cerebral is a one-stop shop that offers therapy, psychiatry and medication management. 
• All therapists and psychiatrists are board-certified and licensed. 

Things to consider:

• Cerebral is not available in all states. Treatment for disorders also varies by state. 
• When signing up, you have to add a payment method before an appointment. This may result in your card being charged if you do not match with a therapist within the time period provided. However, since Cerebral recently started issuing refunds for this. 
• User reviews are typically positive at 4.3 on Google Play and 4.6 on the App Store. 

Amwell

Most online therapy platforms don't accept insurance, making counseling unattainable for many. Amwell is the best online therapy platform that takes insurance because of its large network of accepted health plans. 

After signing up with Amwell, you will choose a licensed therapist and schedule your first session. You can choose your therapist based on what they specialize in, allowing you to find the best fit for your needs. Each therapist has a bio on their profile. 

Amwell offers fewer communication options than competitors because it is not a subscription-based therapy. You only have access to virtual video sessions that you schedule. This tends to be the best for people who only have sessions with a therapist and have a schedule that requires flexibility. Most users comment that while the app may not be the most modern, it is typically easy to use. 

The cost of your sessions is based on the therapist or psychiatrist and their experience level. Typically, sessions cost between $109 to $129. Your health insurance plan will determine how much you pay out of pocket.

Amwell's best features:

• You can schedule a session with a psychiatrist for medication.
• Amwell accepts many types of insurance providers. 
• Amwell also offers a variety of services competitors don't have, like breastfeeding support or stress management. 

Things to consider:

• Amwell doesn't do subscription plans; you are charged by session. 
• Since it doesn't have messaging or phone call options, Amwell is not a good choice for crisis situations. 

Pride Counseling

The LGBTQIA+ community struggles with mental health issues at a disproportionately high rate. And traditional counseling options aren't always helpful. A survey of LBGTQ+ people found that 50% had experienced harsh language, scapegoating problems on their sexual orientation or outright denial of care. 

Pride Counseling, a subsidiary of BetterHelp, offers inclusive and accessible virtual counseling specialized for the LGBTQIA+ community to address struggles like gender identity, stigma, eating disorders and stress. Every therapist you encounter when using Pride Counseling has extensive experience working with the LGBTQIA+ community. 

At the start, you are asked several questions, including your pronouns, how you identify and your sexual orientation, to ensure you at matched with the best therapist. Pride Counseling also has taken steps to ensure security and anonymity are valued -- you can pick a "nickname" instead of your full name. 

You have unlimited messaging to contact your therapist at any time. Unlike other options, your counselor cannot diagnose conditions or prescribe medication. Costs range from $60 to $90/week with a billing cycle of every four weeks.  

Pride Counseling's best features:

• All therapists have experience working with the LGBTQIA+ community. Requirements are at least three years and 1,000 hours of experience to become a Pride Counseling therapist.
• Price Counseling has positive reviews from users, with a 4.5 on Google Play and 4.6 on the App Store. 

Things to consider:

• Unfortunately, Pride Counseling does not accept insurance. 
• Pride Counseling is only for adults. 
• The website, while straightforward, doesn't offer any additional resources like blog articles for those seeking an answer to a specific question. 

ReGain

ReGain, a sister site to BetterHelp, is a virtual therapy platform with experts specializing in relationships, intimacy and family issues. That's why it's our choice for the best online therapy for couples counseling. All therapists through ReGain are licensed and hold titles like licensed marriage and family therapists or clinical social workers.  

The sign-up process is similar to the other options on the list -- you fill out a questionnaire and are matched with a therapist. You can have both couples sessions and individual sessions with your therapist. You have access to 24/7 chat messaging, phone and video sessions. Unique to ReGain, there is a one-week free trial when you sign up.  

Another benefit that ReGain offers that alternatives do not is the wealth of educational information available on the website. ReGain offers dozens of articles and advice on relationships, regardless if you are signed up. This is not a standard feature in the virtual therapy space. 

ReGain online therapy costs between $60 to $90/week; you'll be billed every four weeks.  

ReGain's best features:

• You don't have to pay double for having both partners in the session. 
• All therapists through ReGain specialize in relationships and family issues.
• ReGain has a 4.5 rating on Google Play and 4.8 on the App Store. User reviews are generally positive.  

Things to consider:

• ReGain doesn't support three-way video conferencing; you and your partner have to be in the same room for your video sessions. 
• Typically it is not covered by insurance. 

How we chose the best online therapy platforms

Many criteria were considered when choosing the best online therapy platforms. The most important being the therapist's qualifications and credibility, pricing, ease of use, customer reviews, accessibility and insurance coverage. 

All of the selections on the list have positive user reviews, are easy to use and more affordable than traditional therapy. 

What is online therapy?

Online therapy brings the expertise of mental health professionals to the comfort of your home through phone calls, messages and video conferencing. Each online mental health service will vary in what they offer. For example, some services won't be able to diagnose or prescribe medication as a traditional therapy option could. 

Online therapy isn't for everyone. But it's a good option for people who have inconsistent schedules, tight budgets or aren't comfortable meeting with a therapist face to face. Research has shown that virtual therapy can be as effective as in-office meetings for some. 

Online therapy benefits: 

• Virtual therapy is more affordable and accessible than traditional therapy options. However, not all platforms accept insurance. 
• It's convenient. You can schedule your sessions around work, childcare or other life events that may get in the way.
• Being at your home when you're working in sessions can be more comfortable than going into an office. 

Read more: Tips to Find the Right Therapist For You

Is online therapy secure?

Privacy is one of the most important concerns when seeking online therapy. The American Psychological Association provides specific guidelines that therapists should follow for virtual sessions. One of the most important guidelines states that all online therapy platforms must comply with the Health Insurance Portability and Accountability Act (HIPAA). Whether through video or chat or text, all communication is covered under HIPAA. 

Some virtual counseling platforms take extra levels of precaution and allow you to delete messages after reading. It's important to read the privacy policies of each platform before signing up. This information is often found in the frequently asked questions section of the website. 

How to choose the best online therapy

Finding your ideal match can be difficult with so many options available to you. All platforms will vary in strengths and weaknesses, so it's important to know what your most important needs are. When you're looking for the best online therapy, you'll want to keep a few things in mind:

• Your goal: The first thing you want to check is that the platform includes the issue you want help with. Some platforms are specialized, like in the case of ReGain and couples counseling. 
• The therapists' credentials: You should be able to find the credentials and experience requirements for the platform's therapist. This is often located in the FAQ section of the website. You typically also want a service that allows you to change therapists. 
• User reviews: User reviews can serve as a gauge of the satisfaction of the platform. Did people find the website or app easy to use? What were their favorite features? Were there any pain points you need to watch for?
• Your budget and insurance: The unfortunate truth is that money is one of the main reasons people do not get the help they need. The subscription options and cost should be clearly stated on the website. You also should be able to find insurance coverage. 

Read more: How Cognitive Behavioral Therapy Can Reshape the Way You Think

More support for your mental health

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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The best Halloween movies to stream on Netflix, Hulu, Disney Plus and more

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The best Halloween movies to stream on Netflix, Hulu, Disney Plus and more

Halloween movies are a thrilling watch year-round, but there's no better time to enjoy them than when chillier temperatures settle in. Especially this year, with the COVID-19 pandemic changing the way we partake in classic Halloween activities like trick-or-treating, you might need something to transport you to fictional places where the horrifying stuff isn't actually real. (We all cope differently, right?)

Here are our top picks for the scariest, creepiest and sometimes silliest films to stream or watch on demand on platforms including Hulu, Netflix, Disney Plus, Amazon Prime Video, Peacock, HBO Max and others. We've noted which of these films require higher-tier streaming subscriptions like Hulu Plus Live TV, or a Showtime or Cinemax add-on.

Read more:  15 of the best movies to see on Amazon Prime Video

Disney

Hulu started life as a joint venture between ABC, NBC and Fox. Since Disney (ABC's parent) absorbed most of the Fox Entertainment properties, however, it's been buying out its remaining partners and converting Hulu to more of a Disney Plus for adults. As such, you can watch the movies below with their full, R-rated gore intact. The baseline subscription includes commercials, and you can also bundle this with Disney's other online properties, Disney Plus and ESPN Plus.

(Available on Hulu Plus Live TV. Also available on Peacock.) We always appreciate a well-done horror comedy! You can catch the sequel, Zombieland Double Tap, on Starz.

(Also available on Tubi.) Something about murderous children in a cornfield just feels autumnal. 

It's a Swedish film about a little girl vampire. Are we selling it? It's fantastic, trust us. 

(Also available on Tubi.) We don't particularly get this franchise, but Hellraiser viewing parties are a pretty common Halloween activity. You do you.

Quite frankly, this adaptation isn't the greatest, but then again neither was the first one. Still it definitely has some chilling moments.

(Available with Showtime add-on.) The first Paranormal Activity was pretty unnerving. It might be worth a revisit this Halloween. 

(Available on Hulu Plus Live TV starting Oct. 7.) We refuse to fact-check this, but Get Out is possibly the only Oscar winner on this list. That's inaccurate. Ruth Gordon won an Oscar for Rosemary's Baby. And The Silence of the Lambs won like 5 Academy Awards too. Are you happy? Get Out is fantastic though.

Get Out 

Universal Pictures

Our 8-year-old selves still believe deep down this is the greatest Halloween movie ever made. Mary Kate and Ashley Olsen, please, please return to making films.

This Korean creature feature is easily one of the best films on this list.  

As far as haunted house movies go, this one is better than The Amityville Horror, but not quite as good as The Conjuring.

(Available on Hulu Plus Live TV starting Oct. 8.) Once again we learn abstinence is the only way to prevent slow-moving nightmare monsters from trying to kill you. What a helpful PSA!

(Available on Hulu Plus Live TV.) This is the part where you stop reading the article and immediately go put on Ghostbusters. Don't worry, this article isn't going anywhere. We'll wait. 

(Available on Hulu Plus Live TV.) Rebecca's mom really loves the Madea movies. And who are we to deny you options?

(Available on Hulu Plus Live TV.) On the one hand, it's a pretty good remake. On the other hand, Zack Snyder directed it. Your call.

(Available with Cinemax add-on.) Don't you want to finally understand what a "Jacob's Ladder scenario" actually is?

Ever since Dead Snow came out, we are always 100% down for any movie with Nazi zombies. 

(Available on Hulu plus Live TV. Also available on Spectrum.) It's possible Rebecca has seen this film more than any other film on this list. Don't judge!

Saw (2004)

(Available on Hulu with Cinemax add-on.) If you plan on watching Saw, we also recommend checking out our interview with screenwriter Leigh Whannell. He tells us about his 5-year-old's bedtime story demands and let's just say, twisted storytelling definitely runs in the family.

Netflix hardly needs an introduction, but the biggest streaming service out there remains a mixture of TV shows and movies, including content licensed from other studios and a growing stable of originals. 

We probably didn't need a family-friendly version of The Omen, but we enjoyed it nevertheless.

If you've come to this list looking for the scariest horror films, watch this one. Maybe with the lights on. 

Anjelica Huston is majestic in this Roald Dahl adaptation.

Even if you're not into super dark films, the storyline in this Guillermo del Toro masterpiece will be enough to win you over.

One of our favorites and Zelda Rubinstein's performance is really just the cherry on top.

This is probably the most under-the-radar film on this list, but it's absolutely worth your time.

Certain horror fans find themselves disappointed when the "big bad" turns out to be metaphorical. Don't worry, this one has a satisfying "actual monster" payoff.

This movie is carried by Mark Duplass and his amazingly sinister face. A delightfully creepy watch.

(Also available on Spectrum.) Ghost movies are great for Halloween, right?

Universal Pictures

Already subscribe to HBO? You can probably get HBO Max at no extra charge. Think of it as (wait for it) "HBO Plus" -- everything on HBO, plus a bunch of additional back catalog and exclusives from Warner's catalog, as well as some nice licensed exclusives like Doctor Who and the Studio Ghibli library. 

Shark movie!!! Sorry, didn't mean to get that excited. But we did see The Meg on opening weekend. Are you a "shark movie" person? No better time to find out!   

Possibly the last time we found the ending to a horror film surprising. 

I (Rebecca) thought this movie was really scary when I was 13. It might still be scary. There's really no way of knowing these things. 

We all know the saying, "In space, no one can hear you scream," but your neighbors will definitely be able to hear you scream while watching this on your couch.

It's pretty rare with a horror masterpiece to stumble upon a masterpiece of a sequel, especially with a different director. Thanks, James Cameron!

John Landis doesn't get enough credit for being able to blend horror and comedy.

While The Shining is probably the favorite horror film of many and may not have needed a sequel, it's one of the better Stephen King adaptations in recent years.

A very enjoyable example of a dark comedy and horror mashup.

Disney

You know ... for kids! It's probably not the first thing that comes to your mind when you think of "horror," as nothing here eclipses PG-13 scares. But it also has the full libraries for everything from Marvel, Star Wars, Pixar and The Simpsons, to name just a few of the big content silos you'll find here. As with Hulu, you can subscribe to this solo, or as a Disney/Hulu/ESPN bundle.

A cult classic you can finally stream. 

(Also available on Hulu Plus Live TV.) It's really a Christmas movie, but also you should be watching it year-round.

This vibrant, touching film brings Day of the Dead to life in the most beautiful way.

Maybe it's the nostalgia talking, but this is simply a Disney classic.

Feel-good and Halloween don't always go hand in hand, but this nostalgic Halloween classic always warms our witchy little hearts.

As if trusting her new beau wasn't hard enough already.

Warner Bros. Pictures

Peacock is NBCUniversal's recently launched streaming app that includes several free movies and TV shows. Paying customers can unlock the platform's full library of content, and can also pay a little more to go ad-free. 

You should really watch/rewatch them all, but the third film does have the most Halloween-y vibe. 

You can't get more classic than Frankenstein!

We love a good dystopian film.

Another for the classics fans.

Screenshot by Abrar Al-Heeti/CNET

This ad-supported network offers a range of free TV shows and movies. It's available on devices including Roku and Amazon Fire TV, as well as on Android and iOS. You won't need an account to watch content, but creating one enables you to save favorites and resume playback when switching between devices.

Is it really Halloween if you haven't watched a creepy Tim Burton film?

A cannibal villain is as horrifying as it gets.

Not exactly sure if a flick about a viral outbreak is something you want to watch right now, but if it is, you're in luck.

MGM

Existing Showtime cable subscribers can access all of its content on the Showtime Anytime app on most major app platforms. But you can also get it as a straight streaming app for a monthly fee. (Disclosure: Showtime and CNET are owned by the same parent company, ViacomCBS.)

(Also available on Netflix.) This is one of our favorite films to watch on Halloween. Hannibal Lecter is a magnificent villain.

If you don't barf while watching the shaking cameras, it's a pretty good creature feature. 

This would pair well with The Omen for a Halloween double feature. 

We're going to throw this out there: More films should be set in the 1600s. Provided they're as good as The Witch.

Focus Features

Like Showtime, this premium cable movie service is also available "over the top" as a direct streaming option on most app store platforms.

This is the quite possibly the most perfect Halloween movie on this list. Demon spawn! (If you're interested, you can also find the 2006 version on Hulu.)

Not big on horror? No worries, you can check out one of the greatest comedies ever made instead.    

Is it just us or does anyone else find Edward Scissorhands incredibly soothing to watch?

Jeff Goldblum in a creature feature is all we're really looking for in a Halloween film.

Watch this after you finish watching The Nightmare Before Christmas.

Video screenshot by Bonnie Burton/CNET

Epix is another pay cable channel that's expanded its horizons to the digital realm. Get it with your cable or satellite subscription, or as a digital streaming option instead.

We're almost positive people have written dissertations on the influence of this film on the horror genre. So, we dunno, maybe check out?

Definitely worth it for Vincent Price. 

(Also available on Hulu.) Creature features often don't get enough love in the horror genre. But this one was our jam!

Warner Bros. Pictures

Prime Video is thrown in "for free" for anyone subscribing to Amazon's membership program, which otherwise guarantees delivery of a wide array of products in two days or less at no additional charge. It's got a ton of movies and TV shows from third-party studios, and a growing list of Amazon exclusives, too. Note, however, that only the first few selections are available via Prime; the rest are available as 48-hour rentals at a pay-per-view cost.

This movie will freak me out always and forever!

Chris Sarandon as a vampire? Sold!

(Available to rent.) This Michael J. Fox classic about a teen werewolf will have you howling for more! I promise that's the last pun in this article.

(Available to rent.) It's a Halloween movie list, so I'm obligated to include Pumpkinhead.

(Available to rent.) One of the few films on this list that is also a cinematic masterpiece.

(Available to rent. It's also available on Hulu Plus Live TV.) I know the found footage gimmick is tired, but do you actually remember how scary this movie was? An entire generation couldn't go camping for like a decade after it came out. 

(Available to rent.) This film was so scary that I still can't bring myself to watch any of the sequels or prequels! But if you are interested in watching The Conjuring 2, it's available on HBO Max. 

(Available to rent.) I went as the Bride for Halloween one year. This isn't relevant to my recommendation, but I'm trying to sell you on a film from 1935.

(Available to rent.) Carrie is so good! Sissy Spacek just has a special place in my heart. It isn't at all related to Halloween, but you should also check out Coal Miner's Daughter.

(Available to rent.) This is the American remake of Let the Right One In. And it's pretty well done for US market cash grab. 

It (2017)

(Available to rent. Also on Hulu plus Live TV.) This film is alway a thrill. The sequel is also available on HBO Max.

(Available to rent.) Frankly, I could use more sci-fi horror films. And more Vin Diesel.

(Available for rent.) For all the gore lovers.

(Available to rent, though the 1972 version is included with a Prime membership and is also on Hulu.) I'll say this about the remake: it's probably more suspenseful than the original. But the original left me feeling emotionally violated, and that's a special kind of horror that's hard to replicate. Still the remake is worth a watch.

(Available to rent.) Down with the yuppies! Honestly this is one of my all-time favorite films.

(Available to rent.) As a child I was only afraid of two things: Chucky and spiders. I am still terrified of both. But hey, now I'm also afraid of heights!

(Available with a Prime Video Channels subscription. Also available on Tubi.) It's Wes Craven so I'm not even going to bother trying to convince you. Just watch it.

Raw (2016) 

(Available to rent.) Watch only if you have a strong stomach!

(Available to rent.) OK, here's our pitch: Jessica Walter and Clint Eastwood. Are you sold?

(Available to rent.) Not to be confused with the Brooke Shields film The Blue Lagoon. This one is about a lagoon monster.

(Available to rent.) You'll never want to fly again. 

(Available to rent.) This is possibly one of the worst films ever made, but it stars Gerard Butler as Dracula. So you should probably watch it anyway.

(Available to rent.) Nearly half the movies in our roundup were in some way inspired by this classic slasher film. An absolute Halloween classic.

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