Tech / Technology

Using Affirm on Amazon: How to buy now, pay later this Black Friday

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This Black Friday, using BNPL tools like Affirm on Amazon help with budgeting…or romanticize overspending.
Amazon logo, Affirm logo, and Amazon package with purple and blue tint

Affirm is the first BNPL (Buy Now, Pay Later) service to be available directly through Amazon Pay, and shoppers love it. Last year, BNPL orders increased by 85 percent during Cyber Week compared to the week before, while revenue increased 88 percent. And just a few months back, Amazon Prime Day saw a 20% increase in BNPL use from the previous year. With inflation still wreaking havoc, it’s no stretch of the imagination to guess that Affirm use will remain high for Black Friday 2023.

The ability to pay for items in installments can sweeten your Black Friday prospects. But before going BNPL-wild on your Cyber Week haul, there are some factors to consider about Affirm versus other BNPL apps, as well as the advantages and disadvantages of using these tools in general.

Why Buy Now, Pay Later is so appealing

Layaway programs were popular with shoppers in the ’90s until they were overtaken by credit cards. But there is a key difference between layaway and BPNL. When you put an item on layaway, it was held for you until you paid it off, at which point you could take it home. With BPNL, you get the goods shipped to you right after you order and then pay off that item in installments.

When combined with Amazon‘s typically lightning-fast shipping and Affirm’s lack of late fees, BPNL can make big purchases feel easier to stomach.

Affirm’s interest rates typically range from 0 to 30% APR based on your credit and on the number of payments you select across three to 48 months. Different plans are available for different purchase amounts, and the minimum purchase amount to use Affirm is $50. Affirm’s APR calculator can help you estimate how much interest you’ll rack up on a certain purchase, which could hit $100 or more if you get a loan for, say, a pricey piece of furniture.

When it’s wise to buy now and pay later

  • For some big purchases, using BNPL services may make sense. Breaking up the cost of big investments like a new MacBook Pro or premium robot vacuum can be easier to manage over time than laying down the whole amount in one go.

  • Using BNPL services on necessities like groceries depends on your habits. Habitually funding little daily expenses (like Starbucks) with an installment app can trigger a domino effect of debt, but may work better if you’re buying something like toilet paper in bulk.

  • When used responsibly, apps like Affirm can also help you work around the timing of your paycheck and monthly costs that require an up-front payment, like rent. Be aware that Affirm’s “soft inquiry” to determine your credit won’t affect your credit score, but the company doesn’t promise not to report your payment history to credit bureaus. To make sure you pay on time, we recommend turning on automatic payments and confirming that your payment method won’t expire over the pay period.

When you shouldn’t buy now and pay later

  • Before purchasing with BPNL, consider whether you’d buy that item if you didn’t have the option to break up the payment.

  • Don’t snag something just to hit Affirm’s $50 minimum.

  • Make a wishlist ahead of time if you have to, and hold yourself accountable. The devil on your shoulder saying “You need this, though” can get louder when something is on sale. Especially during Black Friday, you don’t want to cancel out your savings with a serotonin booster that you didn’t know existed five minutes ago.

  • Impulse purchases may feel less risky at the moment, thanks to tools like Affirm. But they can swiftly feel unnecessary once the Affirm reaper returns for payment month after month. Making a series of small payments can create the harmful illusion that you’re spending less money. While that’s technically accurate (and admittedly blissful) for the first few months, you’ll still be spending the same amount of money by the time you’ve paid out every installment.

Tech / Technology

‘Culprits’ review: A heist-o-rama drama that sticks to the plan

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Hulu/Disney+ series “Culprits” picks up after a big heist, as an assassin tracks down everyone involved. TV review.
A man and a woman face each other in a warehouse looking ready to have a conversation.

Why do we bloody love a heist?

Most of us are unlikely to actually execute one (you’d likely be reading this from prison), so we live vicariously through ultimate crews of nicknamed misfits thrown together through niche skills and legendary backstories. We need greasemen, drivers, and explosives experts to distract us from our own nine-to-fives. We want the ol’ bait and switch, nail-biter safe-cracking scenes, and planning montages drenched in wah-wah pedal-heavy funk. Most of all, we love an anti-hero who screws over the one percent in style.

What we don’t always get, aside from sequels like Ocean’s 12, is what happens after the heist. Will they actually get away with it? How are you going to hide and spend all that gold without fleeing to somewhere without extradition? Hulu/Disney+ series Culprits picks up after the loot is gone and the team split, but rather than getting the band back together, they’re running from an assassin with no real allegiance to each other but to stay alive long enough to find out who it is.

While the material may not reinvent the screeching getaway car wheel, the series boasts a talented cast, big action scenes, and enough time jump confusion to keep you on your toes.

What is Culprits about?

A man in a denim jacket and beanie stands looking worried in the middle of the night.

Nathan Stewart-Jarrett as David aka Joe aka Muscle.
Credit: Disney+

Extending a heist over an entire series is by no means unprecedented: see Money Heist, Lupin, Kaleidoscope et al. But it’s tough to keep the energy going.

If you’re wondering why Culprits isn’t a film instead of an eight-episode series, it’s based on an anthology, Culprits: The Heist Was Only The Beginning, a collection of stories about criminals post-heist. It was snapped up by The Undoing producer Stephen Garrett for the screen and adapted by I Care A Lot‘s J Blakeson, who co-directed the series with Claire Oakley.

Culprits begrudgingly reunites a crew of heist specialists who have moved on with their lives and the loot. Years after a major one-and-out job in London went haywire, a masked assassin is tracking them down. It’s basically like Ocean’s 12, when Terry Benedict locates all eleven crew members and demands his money returned. But it’s eight hours long, instead of two, which comes with its pros and cons — you can potentially dig deeper into each character, play a longer, more realistic game, but the heist genre usually benefits from brevity to keep the thrills high.

Leading the series is compelling Candyman, Genera+ion, and Misfits star Nathan Stewart-Jarrett as protagonist David Marking, a family man and hopeful restaurant owner living a quiet life in Washington State with his partner Jules (Kevin Vidal) and super cute kids. But David’s heisting past threatens to unravel his suburban bliss and his new identity under the name Joe Petrus. Before the killer makes it to America, David must track down his former crew mates in the UK and figure out who’s targeting them.

Culprits sticks to the heist genre hard

Four people stand together in a disused train tunnel.

Tara Abboud, Nathan Stewart-Jarrett, Gemma Arterton, and Kirby in “Culprits.”
Credit: Disney+

If Culprits feels derivative of heist movies and TV before it, at least the series respectfully sticks to formula, pulling a number of switcheroos — most notably beginning post-heist and switching up the timeline. The heist at its core is your classic “one last job”, the ultimate haul that will set this bunch of misfits up for life. Of course, the plan will go off the rails. Of course, the boss has an ace up their sleeve. Of course, explosions will be bigger than expected when you were only supposed to blow the bloody doors off.

For the heist itself, the series leans on a talented cast to bring their own flare to the trope-filled script: think covert meetings in galleries, high speed chases, coded messages in the classified section. The crew are handed monikers snipped from classic caper cloth: Fixer, Right Hand, Muscle, Driver, Fuse, Greaseman, Specialist, Soldier, Officer. (“It’s like being in a movie, no?” retorts Driver). And they’re all steered by Brain aka Dianne Harewood, played with ice cold M-style (and the best costumes of the entire cast) by Gemma Arterton.

A woman in a pink jacket sits in front of a car with headlights.

Gemma Arterton as Dianne Harewood aka Brain.
Credit: Disney+

When you’re watching Arterton’s unblinking “stick to the plan” monologue during the series’ requisite blueprint briefing scene, it feels overtly familiar to the genre — and it eliminates the planning element of the heist with everything already done. But while this reduction of characters to their handles seems intended to make it easier to remember who did what during the heist, it’s somewhat restrictive for character development and camaraderie. While rooting for the team is vital for a heist, it’s even more important if you’re going to start killing them off.

With Stewart-Jarrett and Arterton up front, the cast (featuring way more women than most heist tales beyond Ocean’s 8) is strong enough to find their own footing, with standouts including The Good Place star Kirby as the mischievous Officer, The Wonder‘s Niamh Algar as the psychotic Specialist, Tara Abboud as the safe-cracking Azar, and national treasure Suzy Eddie Izzard almost stealing the series in a surprise role.

A woman clutches a bullet wound while brandishing a gun.

Niamh Algar as Specialist.
Credit: Disney+

But unlike a Guy Ritchie or Steven Soderbergh cast, they’re not really given enough banter to define their bonds, to give the audience moments of comic relief amid the chaos — depending on where in the timeline we are, they literally either just met or haven’t seen each other in years. Throughout the series, they’re mostly chasing their own tails instead of pulling an elaborate con, and while they do have moments of genuine connection, they’re pretty fleeting.

As for the masked assassin himself, only known as Devil, the series’ primary villain barely invokes fear or style, instead slow-walking into every scene like Jason Vorhees in athleisure wear and playing to the overtly melodramatic violence that’s more likely to open a BBC murder-of-the-week show. Honestly, a team full of heist specialists couldn’t take on this one dude?

A man in a white mask stands in the dark.

Get him.
Credit: Disney+

Like Money Heist, the series takes itself deeply seriously, trying to keep the action closer to reality than any Mission Impossible film will. This level of dark realism means we miss out on the silliness that can come with a good heist tale: the banter, the hijinks, and moments of false bravado. But there really isn’t enough time for that, amid all the time jumps.

Culprits‘ time jumps make you work

A flurry of moving pieces, the series doesn’t just live in the present, instead jumping back and forth to before, during, and after the heist. It’s the kind of disruption that worked for Netflix’s Kaleidoscope, a series that owned the structure shake-up by encouraging viewers to watch the episodes out of order. But here, it’s entirely up to the director, which makes for some hard work for the viewer.

One of the least fun parts of the series’ reliance on time jumps, however, is the lack of stakes for the heist itself. The real nature of the target is kept under wraps for most of the season, which makes it really only Brain’s emotional investment and the crew’s cash to pick up at the end of the day. Without stakes, it becomes just a cursed suitcase of money for each crew member with little connection. But without the full details of the job, we have little to fight for, and not knowing the truth for eight episodes is a hard ask.

The time jumps also make it tricky to really get to know the team that well beyond David due to the majority of the show happening after the crime. But with David, it’s truly fun to watch him practically manage living post-heist: where his creative stash hiding places are, where his secret SIM lies, how he MacGyvers home security. And Stewart-Jarrett creates his own reality to fight for in his moving scenes with Vidal, both of whom make every one of their scenes count.

If you’re looking for a heist series that follows the formula with time jumps, action sequences, and a compelling cast to boot, Culprits is worth a watch. If anything, it might give you too many good ideas…

How to watch: Culprits is streaming on Hulu in the U.S. and Disney+ in the UK from Nov. 8.

Tech / Technology

How to watch US Netflix: Best VPN for Netflix in 2023

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Unblock and watch U.S. Netflix from anywhere in the world with a streaming-friendly VPN.
Netflix on laptop

Collecting all your favourite snacks and drinks, surrounding yourself with comfortable cushions and blankets, and then spending hours in front of a screen can be a truly therapeutic experience. Unfortunately, there is one big problem with this hobby: There is a limited amount of content out there to keep you entertained.

We are a greedy bunch, and regular streamers can quickly get to a point when it feels like there’s nothing left to watch. What are you supposed to do then? Don’t panic, because there is a simple solution to this frustrating issue.

If you’ve reached this point of streaming shortage, you should consider investing in a VPN.

What is a VPN?

VPNs are security tools that provide protection for your information by creating a private network that hides your real IP address (digital location). All of your activity is untraceable and secure, because all of your online traffic passes through an encrypted tunnel. Nobody can see into the tunnel, and everything inside the tunnel is protected against online threats like hackers, viruses, and malware.

The act of hiding your real IP address is what can trick leading streaming sites into thinking you are based in another country.

Do you need a VPN?

VPNs are used to provide protection for your sensitive information, which is obviously super important. This isn’t the only reason VPNs are so popular though, because these tools can be also be used to watch content that is normally blocked in your location.

By hiding your real IP address and connecting you to a server in another country, you can watch all your favourite content from that location. For example, you could watch all the extra films and shows on American Netflix that are not usually accessible outside of the U.S. There is so much content out there that can be accessed with the help of a VPN.

Everyone is in need of something that can bypass geo-restrictions to access all of this blocked entertainment, and that something is a VPN. These services are keys to the online world, granting you access to more of the shows and films you love.

How to unblock U.S. Netflix

If you think accessing American Netflix is going to be difficult with a VPN, think again. It’s actually a really simple process that absolutely everyone can understand:

  1. Sign up to a streaming-friendly VPN (like ExpressVPN)

  2. Download the app to your device of choice (the best VPNs have apps for Windows, Mac, iOS, Android, Linux, and more)

  3. Open up the app and connect to a server in the U.S.

  4. Visit Netflix to watch movies and shows from the U.S. content library

If you’re worried that this whole thing sounds a bit illegal, then maybe we can reassure you. It’s currently legal to watch Netflix while using a VPN, although we should point out that Netflix states in its terms of service that it may restrict your account without compensation or notice if you are engaged in “improper” use. We’re not entirely sure what that means, but consider yourself warned.

We should make it very clear that you still need to be subscribed to Netflix for this trick to work. A VPN is not going to grant access to the streaming site for free. A VPN provides access to more libraries from around the world, once you’re subscribed.

Should you use free VPNs?

There are plenty of free versions and free trials of VPNs, so why would you ever consider paying for a service? As with most things in life, you get what you pay for with VPNs.

There is always a catch with free versions, and it’s normally in the form of limited data usage. These plans will be just fine if you’re just an occasional user, but if you’re going to be streaming or downloading anything, this isn’t going to work. Free trials are different as come with everything you get in a paid plan, but obviously they don’t tend to last very long. Trials are great for testing out a service before committing, but this isn’t a long-term solution.

To gain access to advanced security features without limitations on usage, you generally need to pay up. That being said, services like ProtonVPN offer an impressive set of features for free. However, you might have trouble streaming Netflix with this free version.

What is the best VPN for Netflix?

There are a lot of VPN services out there that can effectively unblock American Netflix, but which is the best? There are plenty of strong options for you to consider, but we wouldn’t want you wasting your time checking everything out. To save you time, we’ve handpicked your best options. Each service has a different set of features that will suit some users better than others, and it’s all about finding something that works for you.

ExpressVPN is at the top of this list because it combines essential features with impressive results, but it isn’t the only option available to you. We have lined up all the best VPNs for unblocking Netflix, with something for everyone on this list. We’ve highlighted the best deals on the likes of Surfshark, PureVPN, CyberGhost VPN, and NordVPN.

These are the best VPNs for Netflix in 2023.

Tech / Technology

Best Excel and data science training bundle deal: 95% off

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The Complete Excel, VBA, and Data Science Certification Training Bundle is on sale for £16.46, saving you 95% on list price.
Laptop on table

TL;DR: The Complete Excel, VBA, and Data Science Certification Training Bundle is on sale for £16.46, saving you 95% on list price.


Shuddering at the thought of crunching numbers on Excel? You may want to change that. Apparently, data science remains the most appealing job in the 21st century, and if you want to be a data scientist who takes home a cushy paycheck, you have to be comfortable with analysing data on the popular spreadsheet software, Excel.

Granted, navigating the app alone and getting to grips with its many functionalities are overwhelming for any beginner, which is why receiving proper training is a must. This Excel, VBA, and data science certification training bundle can help you on that front, and you can get it on sale for £16.46 for a limited time.

This instructional package, put together by Mammoth Interactive, a company that specialises in programming, design, and project management, contains 13 comprehensive courses and 52 hours of expert-led training. It touches on the basics and intricacies of Excel, as well as the ins and outs of the Python programming language. At the start, you can expect to gain a fundamental understanding of how Excel works and how it relates to synthesising and analysing data, and receive a primer on the syntax of Python and how it can create databases and perform data manipulation.

Once you’ve familiarised yourself with the building blocks of both tools, you’ll proceed with learning how to apply them in data science. For instance, with Excel, you’ll be trained on how to manage and sort data, visualise mounds of information, and do financial analysis. With Python, you’ll learn how to automate tasks, build a tool that scrapes data from a page, and put together charts.

All lessons included are beginner-friendly, so you don’t have to worry about not having any prior experience. You can also access the courses anytime, anywhere, using any device, so you can learn at your own pace, on your own time.

For a limited time, you can get this Excel, VBA, and data science certification training bundle on sale for just £16.46.