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Signal, WhatsApp and Telegram: Here's which secure messaging app you should use

Signal, WhatsApp and Telegram: Here's which secure messaging app you should use

If your choice of encrypted messaging app is a toss-up between Signal, Telegram and WhatsApp, do not waste your time with anything but Signal. This isn't about which one has cuter features, more bells and whistles or is the most convenient to use: It's purely about privacy. And if privacy's what you're after, nothing beats Signal.

You probably already know what happened. In a tweet heard 'round the world last January, tech mogul Elon Musk continued his feud with Facebook by advocating people drop its WhatsApp messenger and use Signal instead. Twitter's then-CEO Jack Dorsey retweeted Musk's call. Around the same time, right-wing social network Parler went dark following the Capitol attacks, while political boycotters fled Facebook and Twitter. It was the perfect storm -- the number of new users flocking to Signal and Telegram surged by tens of millions. 

Read more: Everything to know about Signal

The jolt also reignited security and privacy scrutiny over messaging apps more widely. Among the top players currently dominating download numbers, there are some commonalities. All are mobile apps available in the Google Play store and App Store that support cross-platform messaging, have group chat features, offer multifactor authentication and can be used to share files and multimedia. They all also provide encryption for texting, voice and video calls.

Signal, Telegram and WhatsApp use end-to-end encryption in some portion of their app, meaning that if an outside party intercepts your texts, they should be scrambled and unreadable. It also means that the exact content of your messages supposedly can't be viewed by employees of those companies when you are communicating with another private user. This prevents law enforcement, your mobile carrier and other snooping entities from being able to read your messages even when they intercept them (which happens more often than you might think). 

The privacy and security differences between Signal, Telegram and WhatsApp couldn't be bigger, though. Here's what you need to know about each of them. 

Getty/SOPA Images

• Does not collect data, only your phone number
• Free, no ads, funded by nonprofit Signal Foundation 
• Fully open-source
• Encryption: Signal Protocol

Signal is a typical one-tap install app that can be found in your normal marketplaces like Google Play and Apple's App Store and works just like the usual text-messaging app. It's an open-source development provided free of charge by the nonprofit Signal Foundation and has been famously used for years by high-profile privacy icons like Edward Snowden.

Signal's main function is that it can send -- to either an individual or a group -- fully encrypted text, video, audio and picture messages, after verifying your phone number and letting you independently verify other Signal users' identity. For a deeper dive into the potential pitfalls and limitations of encrypted messaging apps, CNET's Laura Hautala's explainer is a life-saver. 

When it comes to privacy, it's hard to beat Signal's offer. It doesn't store your user data. And beyond its encryption prowess, it gives you extended, onscreen privacy options, including app-specific locks, blank notification pop-ups, face-blurring antisurveillance tools and disappearing messages. 

Occasional bugs have proven that the tech is far from bulletproof, of course, but the overall arc of Signal's reputation and results have kept it at the top of every privacy-savvy person's list of identity protection tools. The Guardian, The Washington Post, The New York Times (which also recommends WhatsApp) and The Wall Street Journal all recommend using Signal to contact their reporters safely. 

For years, the core privacy challenge for Signal lay not in its technology but in its wider adoption. Sending an encrypted Signal message is great, but if your recipient isn't using Signal, then your privacy may be nil. Think of it like the herd immunity created by vaccines, but for your messaging privacy. 

Now that Musk's and Dorsey's endorsements have sent a surge of users to get a privacy booster shot, however, that challenge may be a thing of the past. 

Getty/NurPhoto

• Data linked to you: Name, phone number, contacts, user ID
• Free, forthcoming Ad Platform and premium features, funded mainly by founder
• Only partially open-source
• Encryption: MTProto

Telegram falls somewhere in the middle of the privacy scale, and it stands apart from other messenger apps because of its efforts to create a social network-style environment. While it doesn't collect as much data as WhatsApp, it also doesn't offer encrypted group calls like WhatsApp, nor as much user data privacy and company transparency as Signal. Data collected by Telegram that could be linked to you includes your name, phone number, contact list and user ID. 

Telegram also collects your IP address, something else Signal doesn't do. And unlike Signal and WhatsApp, Telegram's one-to-one messages aren't encrypted by default. Rather, you have to turn them on in the app's settings. Telegram group messages also aren't encrypted. Researchers found that while some of Telegram's MTProto encryption scheme was open-source, some portions were not, so it's not completely clear what happens to your texts once they're in Telegram's servers. 

Telegram has seen several breaches. Some 42 million Telegram user IDs and phone numbers were exposed in March of 2020, thought to be the work of Iranian government officials. It would be the second massive breach linked to Iran, after 15 million Iranian users were exposed in 2016. A Telegram bug was exploited by Chinese authorities in 2019 during the Hong Kong protests. Then there was the deep-fake bot on Telegram that has been allowed to create forged nudes of women from regular pictures. Most recently, its GPS-enabled feature allowing you to find others near you has created obvious problems for privacy. 

I reached out to Telegram to find out whether there were any major security plans in the works for the app, and what its security priorities were after this latest user surge. I'll update this story when I hear back.

Angela Lang/CNET

• Data linked to you: Too much to list (see below)
• Free; business versions available for free, funded by Facebook
• Not open-source, except for encryption
• Encryption: Signal Protocol 

Let's be clear: There's a difference between security and privacy. Security is about safeguarding your data against unauthorized access, and privacy is about safeguarding your identity regardless of who has access to that data. 

On the security front, WhatsApp's encryption is the same as Signal's, and that encryption is secure. But that encryption protocol is one of the few open-source parts of WhatsApp, so we're being asked to trust WhatsApp more than we are Signal. WhatsApp's actual app and other infrastructure have also faced hacks, just as Telegram has. 

Jeff Bezos' phone was famously hacked in January of 2020 through a WhatsApp video message. In December of the same year, Texas' attorney general alleged -- though has not proven -- that Facebook and Google struck a back-room deal to reveal WhatsApp message content. A spyware vendor targeted a WhatsApp vulnerability with its software to hack 1,400 devices, resulting in a lawsuit from Facebook. WhatsApp's unencrypted cloud-based backup feature has long been considered a security risk by privacy experts and was one way the FBI got evidence on notorious political fixer Paul Manafort. To top it off, WhatsApp has also become known as a haven for scam artists and malware purveyors over the years (just as Telegram has attracted its own share of platform abuse, detailed above). 

Despite the hacks, it's not the security aspect that concerns me about WhatsApp as much as the privacy. I'm not eager for Facebook to have yet another piece of software installed on my phone from which it can cull still more behavioral data via an easy-to-use app with a pretty interface and more security than your regular messenger. 

When WhatsApp says it can't view the content of the encrypted messages you send to another WhatsApp user, what is doesn't say is that there's a laundry list of other data that it collects that could be linked to your identity: Your unique device ID, usage and advertising data, purchase history and financial information, physical location, phone number, your contact information and that of your list of contacts, what products you've interacted with, how often you use the app, and how it performs when you do. The list goes on. This is way more than Signal or Telegram. 

When I asked the company why users should settle for less data privacy, a WhatsApp spokesperson pointed out that it limits what it does with this user data, and that the data collection only applies to some users. For instance, financial transaction data collection would be relevant only to those WhatsApp users in Brazil, where the service is available. 

"We do not share your contacts with Facebook, and we cannot see your shared location," the WhatsApp spokesperson told CNET. 

"While most people use WhatsApp just to chat with friends and family, we've also begun to offer the ability for people to chat with businesses to get help or make a purchase, with health authorities to get information about COVID, with domestic violence support agencies, and with fact checkers to provide people with the ability to get accurate information," the spokesperson said. "As we've expanded our services, we continue to protect people's messages and limit the information we collect." 

Is WhatsApp more convenient than Signal and Telegram? Yes. Is it prettier? Sure. Is it just as secure? We won't know unless we see more of its source code. But is it more private? Not when it comes to how much data it collects comparatively. For real privacy, I'm sticking with Signal and I recommend you do the same. 

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How to finance your solar panels: Cash, loan, lease and more

How to finance your solar panels: Cash, loan, lease and more

Whether you're looking to save money, avoid paying so much to your utility or keep some carbon out of the atmosphere, homeowners are generating their own energy with rooftop solar. By some estimates, 13.4% of homes will have solar panels installed by 2030.

While prices are dropping steadily (though supply chain snags have pushed them up recently), rooftop solar costs thousands of dollars, sometimes tens of thousands. Most people don't have that kind of cash laying around, but there are plenty of options for paying for solar.

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Advertiser Disclosure : CNET's corporate partner, SaveOnEnergy, can help you find the right energy fit for your home. The SaveOnEnergy marketplace helps you search, compare, sign up and save on the right energy fit for your home — all for free. If you're interested in solar, answer a few questions to get an exact price quote from our solar advisors.  

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"Financing has always been an issue," said Roger Horowitz, director of co-ops at Solar United Neighbors, a nonprofit and advocacy group helping people adopt solar in 11 states. Being able to finance solar is often dependent on having a bunch of cash, good credit and owning a home. 

This article aims to hit some of the highlights of solar financing, but it should not be taken as financial advice. For that you'll have to find someone more qualified to determine whether going solar makes financial sense for you and how to best pull it off. 

Buying solar panels with cash

Arguably the most straightforward way to buy solar panels is with cash, and the benefits are clear. With a cash payment you avoid paying interest and loan fees and don't need a qualifying credit score. As a result, you'll save more money over the life of your solar panels. 

You do have to cough up more cash up front, however, so it will take a while before you recoup the money that you've spent. That period of time is called a payback period, and it's a useful piece of information when deciding whether or not paying in cash is a good option for you. The average payback period is eight years in the US, and you can find help calculating your payback period here.

A cash purchase gives you the opportunity to take advantage of the federal solar tax credit. If your solar panels are fully installed through 2022, the US government will give you 26% of the cost back when you file your taxes. In 2023 the credit falls to 22% and will disappear after that, barring new legislation.

That means you could be getting thousands of dollars back, but it also means you don't get that money back until tax time.

Paying cash works best for folks who have a stable cash flow and can absorb such a large one-time payment, said Grant Klein, senior dealer relations specialist at Clean Energy Credit Union.

Buying solar panels with a loan

If you can't afford to pay all at once, solar loans are widely available from a number of sources and in a number of forms, though a poor credit score might disqualify you.

It's increasingly common for solar providers to offer loans, often from a third party. While these loans are easy to apply for, they can have higher fees associated with them than options from a bank or credit union.

"The vast majority of folks that purchase solar that we see end up using loans from their installers," Horowitz said. He pins that apparent preference on how easy it can be to get a loan in that way. However, getting multiple loan proposals (at least two, Horowitz said) can save you significant money.

One such option is a home equity loan or home equity line of credit, where you borrow against the equity of your house (what you could get for selling it minus what you owe on your mortgage). You can borrow up to 85% of that amount, according to the Federal Trade Commission.

You can claim the federal solar tax credit if you purchase solar using a loan, though it comes back to you when you file your taxes, not when you buy your system. Still, it might be useful in paying back the loan.

Solar loans can be secured or unsecured. A secured loan is one that's backed by collateral, like your house or the solar panels themselves. Essentially, you're saying the lender can sell your collateral to pay off the loan if you fail to pay it. Solar loans are most often secured by the solar equipment, Klein said. Home equity loans are secured by the value in your house. Unsecured loans don't have that guarantee backing them up. As a result, secured loans offer lower interest rates and longer terms for paying them back. 

With any of these options, it's important to shop around and compare lenders. Again, this article isn't to be considered as financial advice. 

Getting help from the government to buy solar panels

Beyond the federal solar tax credit, the federal government (and sometimes your state) can help with a couple of other financing options.

A HomeStyle energy mortgage from Fannie Mae allows you to add the cost of a solar project into your new or refinanced mortgage. The Federal Housing Administration offers similar additions to mortgages. The amount of money you can borrow is determined based on the value of your home. 

One of the advantages of an energy efficient mortgage is that you're borrowing money once instead of twice. That means you only pay one set of loan costs and fees, and you can pay it back over 30 years, instead of 10 or 15 as can be the case with other solar loans. This keeps your monthly payment low. Not every lending institution offers loans from these programs and the borrowing process can be complicated.

"They tend to be more complicated, because you need to make so many phone calls to reach the right people," Horowitz said. That can place an extra burden on people who have fewer financial resources, the people the program is meant to help. It's important to work with an institution who knows how to navigate these systems, Horowitz said. 

An energy efficient mortgage can be used for other energy saving equipment in addition to solar panels such as new insulation, new windows and doors, smart thermostats or water efficiency improvements. Whatever the upgrade, it must be cost effective, which means it needs to save more money over its lifetime than it costs. For most places in the country, solar panels are sure to satisfy that requirement.

Johner Images/Getty Images

Another option is Property Assessed Clean Energy, which deserves a brief mention despite only being available to residential customers in California, Florida and Missouri. Working with a local PACE office, you can finance your solar panels and pay back the loan over a longer period of time through an additional charge on your taxes. In theory, this makes large purchases more affordable, though early iterations of the program have actually buried some low income homeowners with debt and the possibility of foreclosure. New regulations passed by state legislatures could fix this problem.

Getting solar through a lease or power purchase agreement

If buying solar using cash or a loan is out of reach because of poor credit, lack of cash or some other reason, you still have options. Instead of buying, you can enter into a lease or power purchase agreement with a solar provider. With both options, lumped together as third-party-owned solar, the solar provider owns the panels and you agree to pay for the equipment (via lease) or pay for the power (power purchase agreement), usually at a lower price than you pay your utility.

CNET went into detail on power purchase agreements earlier, but briefly, here's what you need to know.

The biggest benefits to these arrangements are that you don't have to buy solar panels to get solar power. Usually you'll save money on power over the life of your agreement, too. And you won't have to worry about the maintenance of the panels, although maintenance usually isn't a huge burden.

Power purchase agreements usually save you less money than buying panels outright. And, depending on the price of your lease or power purchase agreement and how much your payment increases over time, you could end up saving significantly less. The federal tax credit also goes to the owner of the system, in this case the solar company.

Because these agreements commonly last for 25 years, they work best if you plan to stay in your house long term. Anecdotal reports reveal moving to a house with third-party-owned solar panels can be onerous and expensive. What happens if you move is something you'll want to be sure of before sticking third-party-owned solar panels on your roof.

Also, be aware that third-party ownership of solar panels isn't allowed in every state.

Which solar financing option is best?

Sorry! I'm not giving financial advice here. Before making any decision, make sure you get the advice you need from someone qualified, get multiple offers on solar projects or loans, and make a point of reading all the fine print.

Are there finance options I left out? Others you're curious about? Did you finance solar panels in a way that worked perfectly for you? Reach out via comments and let me know.

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The Xiaomi Mi Band 5 fitness watch just dropped to $36

The Xiaomi Mi Band 5 fitness watch just dropped to $36

The Xiaomi Mi Band 5 is the latest fitness band to bring a wealth of impressive features to your wrist on the cheap. How impressive and how cheap? Let's start with the latter: Walmart has the Xiaomi Mi Band 5 for just $36. That's a couple bucks below the last time I shared this deal and the lowest price I've seen yet. Note that it's being offered via a third-party seller, not Walmart proper.

The Mi Band 5's predecessor, the Mi Band 4, was already a pretty solid product, selling for around the same price and standing toe-to-toe with the pricier Fitbit Inspire HR. 

The water-resistant Mi Band 5 features a 1.1-inch color AMOLED display (just slightly larger than the Mi Band 4's), heart rate and oxygen sensors, dozens of animated watch faces, a magnetic charge cord and a 14-day battery.

That battery represents a bit of a downgrade, as the Mi Band 4 was rated for up to 20 days -- though two weeks is still pretty fantastic. The Mi Band 5 adds several new sport modes, however, bringing the total to 11. It also adds menstrual tracking.

Although CNET's US team has yet to do a full-on review of the product, CNET en Español covered the Mi Band 5 back in August. You can use Google Translate to read an English version of that review. Verdict: "Interesting new features that together with its low price make it a great choice for those who want to start taking care of themselves."

Worth noting: The very similar Amazfit Band 5 is available for $35, and it adds onboard Amazon Alexa and an SpO2 sensor to the mix. I took a detailed look at that model back in November, when it was on sale for $30. (It usually sells for $40-$50, though, so $35 is still a good buy.)

Between the two, I'd probably choose the Amazfit. But you really can't go wrong with either one, especially if you're looking for an inexpensive wrist companion.

If you already own either of these, hit the comments and let me know what you think of it!

First published last year. Updated to reflect new sale price and availability.

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CNET's Cheapskate scours the web for great deals on tech products and much more. For the latest deals and updates, follow him on Facebook and Twitter. You can also sign up for deal texts delivered right to your phone. Find more great buys on the CNET Deals page and check out our CNET Coupons page for the latest Walmart discount codes, eBay coupons, Samsung promo codes and even more from hundreds of other online stores. Questions about the Cheapskate blog? Answers live on our FAQ page.  

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US Life Expectancy Declined Again in 2021, CDC Says

US Life Expectancy Declined Again in 2021, CDC Says

For the most up-to-date news and information about the coronavirus pandemic, visit the

WHO

and

CDC

websites.

Life expectancy for people in the US fell again in 2021, to 76.1 years, according to Centers for Disease Control and Prevention data released Wednesday. It's the second drop in a row, since 2020 -- the first year of the COVID-19 pandemic -- saw the average US lifespan decrease by 1.8 years to age 77.

Life expectancy, a metric used when looking at population health and well-being, refers to the expected average number of years of life remaining for a person at a given age -- in this case at birth.

COVID-19 deaths contributed to half of the overall decline in life expectancy last year, data showed, with drug overdoses (which come under the "unintentional injuries" classification) and heart disease among the other major contributors.

The 2021 decline of nearly a year puts US life expectancy at its lowest level since 1996, the CDC noted. There's also a nearly six-year difference between genders -- male life expectancy is 73.2 years, and females are given an average of 79.1 years.

The situation might improve this year, Robert Anderson, chief of mortality statistics at CDC's National Center for Health Statistics, told Reuters.

"Mortality's been a little better in 2022 than it was in 2020, so I think it's likely that we would see maybe a slight increase in life expectancy," he said, but warned that 2022 lifespans are unlikely to return to pre-pandemic levels.

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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This Snazzy Lil' Air Fryer Is Just $39 (Save $20)

This Snazzy Lil' Air Fryer Is Just $39 (Save $20)

There's a lot to love about air fryers. I use mine all the time for quick dinners and fast snacks without the need for much or any cooking oil. There's also no better way to reheat leftover pizza. 

Don't believe me? Snag this compact Chefman air fryer on sale for $39 at HomeGoods and find out for yourself. (The same model is selling for $97 on Amazon.)

The one drawback to buying a new air fryer (or any kitchen appliance) is finding space for it, but this 3.5-liter model is small enough that it won't hog all the counter space. You can find even smaller models if you so desire. I love the Magic Bullet 2-quart oven, which packs a lot of power and has plenty of capacity to cook for one or two. 

But this discounted Chefman 3.5-liter air fryer is a better pick if you're often cooking for a small group or like to host friends for drinks and snacks on occasion. This model sports a digital touch display, a nonstick cooking basket and a sleek glossy finish. 

For more options, see our list of best air fryers in 2022.

Read more:  A Guide to Air Fryers: Everything to Know Before You Buy

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Royal Caribbean Cruise Ships to Get SpaceX Starlink Internet

Royal Caribbean Cruise Ships to Get SpaceX Starlink Internet

Royal Caribbean Group has announced it will be implementing internet connectivity on board its cruise ships using Elon Musk's SpaceX Starlink service.

The high-speed broadband service will be installed on all ships across the Royal Caribbean International, Celebrity Cruises and Silversea Cruises brands. Installation will begin "immediately," Royal Caribbean said Tuesday, and should be completed by the end of the first quarter of 2023.

"This technology ... will improve and enable more high-bandwidth activities like video streaming as well as activities like video calls," Jason Liberty, Royal Caribbean Group CEO, said in a statement.

Starlink uses more than 2,000 satellites orbiting in space to beam satellite internet connectivity around the world. Starlink is now available in more than 40 countries.

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Bundle Madden 23, Elden Ring or another game for free with an Xbox Series S right now

Bundle Madden 23, Elden Ring or another game for free with an Xbox Series S right now

For a lot of folks, the price of the current crop of consoles and accompanying games has been enough to put off potential purchases, but Best Buy has a deal that might just convince you to pull the trigger on one today. For a limited time, you can snag the Xbox Series S there with a game of your choosing thrown in for free. The games on offer include some of the most popular and recently released titles, some selling for as much as $130 on their own, making this deal a total steal. 

To get in on the savings, simply add the 512GB disc-free console to your cart at Best Buy and then select one of the many digital games on offer to add to your cart alongside it. Eligible games will show as free once the Xbox is in your cart. There's a lot of choice but some top picks include Madden 23, NBA 2K23 Michael Jordan Edition, Far Cry New Dawn Ultimate Edition, Elden Ring Deluxe Edition and Forza Horizon 5 Premium Edition. The deal is also available at Microsoft with the console itself seeing a $10 discount there, though the selection of free games is smaller. 

The Xbox Series S console is smaller and more affordable than the Xbox Series X, but it still packs a punch when it comes to features and games. It comes equipped with an eight-core AMD Zen 2 processor, 10GB of RAM and 512GB SSD storage and gets up to 120 frames per second, so it's definitely a step up from previous systems, like the Xbox One. 

All of the same Xbox games can be played on both systems, so you won't be missing out on content. You can stream video in 4K from the likes of Netflix, Disney Plus and Amazon Prime Video if you have a 4K TV, though its gaming resolution tops out at 1440p. Though an improvement on HD, you might want to opt for the Series X that supports gaming at 4K if resolution is particularly important to you. The Series S also features Dolby Vision and Dolby Atmos for an immersive gaming experience.

At $300 with a top-tier game included, this is a great Xbox deal for the casual gamer or savvy shopper looking for the best deal on a new console right now. Alternatively, you can save $50 on the console alone at Adorama right now.

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