Hello and welcome to a money Monday, friend! Monopoly is turning 90 this year, and Hasbro is rolling out its first-ever app-powered version in August. Monopoly App Banking uses a smartphone or tablet as the game’s financial hub, placed in a “phone throne.” The app tracks property deals, auctions and rankings in real time. You won’t get board playing this game!

🏦 Speaking of banks, I answer a big question in our top story today.

Do me a favor: Tell one person to try my free newsletter. Even better, have them enter to win an iPhone 16 Pro at WinFromKim.com. Every entry signs them up, and yes, you can enter too! — Kim

I love answering your questions and Danielle in Austin, Texas, wrote, “I see online banks that offer really high interest rates. Are they safe? My bank doesn’t even pay 1%!”

High-yield savings accounts (HYSAs) online earn much higher interest rates than what big-name banks like Chase or Wells Fargo offer. I wouldn’t go with just any online bank, though.

Stick with the established names, and make sure your deposits are FDIC-insured. Even if the bank fails, you’re covered up to $250,000 per depositor, per account type.

Here are four major online banks

These are FDIC-insured, have no monthly fees and no minimum deposit requirement. The differences boil down to interest rates, ATM access, number of withdrawals allowed per month and customer service.

📌 Marcus by Goldman Sachs – APY: 3.90%

📌 Ally Bank – APY: 4.35%

📌 Capital One 360 Performance Savings – APY: 3.70%

📌 American Express High Yield Savings – APY: 3.70%

What to watch out for

🤑 A robot tried to rob a bank but was caught when its battery died. Police have no plans to charge the suspect. (Get it?!) Now, use those share icons below to spread this know-how.

Imagine waking up to an intruder in your home. Scary, right? A burglary happens every 30 seconds in the U.S., and homes without security systems are three times more likely to be targeted.

That’s why you need SimpliSafe.

✅ 24/7 peace of mind – Professional monitoring protects your home day and night. Agents can stop intruders in real time.

✅ Easy setup – Install it yourself in minutes or opt for professional installation.

✅ No contracts – No long-term commitment or hidden fees.

✅ Backup protection – Stays secure even during power outages or internet disruptions.

✅ Comprehensive security – Protect against break-ins, fires, and floods with advanced sensors and cameras.

🚨 850K vehicles recalled! Tesla, Ford, Toyota, Maserati, Volkswagen and Rivian are dealing with crash risks, seat belt issues, rearview camera errors and more. If your car is affected, you should receive a notice by mail, but it’s worth calling your dealership to confirm. Own a Tesla? Use your VIN with the search tool to check.

💸 Thinking about meme coins? The SEC says they don’t count as securities under U.S. law. Why? Securities (like stocks) usually offer profits or rights to a company’s assets. Meme coins? They don’t pay out earnings or give ownership. They’re more like collectibles with little real-world use. So don’t fall for them.

Mind your drone business: DJI just launched a “drone-in-a-box” that can take off from a moving vehicle. The DJI Dock 3 fits in the back of a pickup and is made for police and fire missions. Sounds cool, until you see the price … over $20,000. And no, that doesn’t include installation. Yikes.

Scammers pretending to be the IRS: They’re sending out phishing texts claiming you’re eligible for a $1,400 Economic Impact Payment. The message includes a link that looks like the IRS website, but it’s a trick to steal your personal info or install malware. Remember, the IRS never contacts taxpayers by text — official notices always come by postal mail.

🏈 Kicking off the ad dollars: All 32 NFL teams got busted for not warning fans that their websites and apps were collecting sensitive data and probably selling it all to advertisers. No notices, no easy opt-out, just silent tracking of your online behavior and location. You’ll start seeing privacy prompts now. As if the NFL doesn’t make enough money.

Cancer breakthrough: I wish this was available for my mom who died from pancreatic cancer. It’s one of the worst cancers, with half of patients living less than a year after diagnosis. But there is hope. Pranathi Perati ran out of treatments until she found a new drug called daraxonrasib. It’s kept her alive for 17 months and counting. It causes fatigue and ulcers, but she feels better than she did on chemo. Share this with anyone who can benefit right now.

I get bored drinking water all the time. Let’s make it fun.

✅ To-do: A fireproof, waterproof organizer is the right way to store important docs like your passport and birth certificate.

Smart security: Turn on SIM lock to prevent unauthorized SIM swaps if your phone is lost or stolen. On iPhone: Settings > Cellular > SIM PIN. On Android: Settings > Security > SIM card lock. Your phone’s steps may vary. Now, don’t forget the PIN you set up.

▶️ Need to rewind or skip ahead on YouTube? Forget fiddling with the timeline. Tap the left/right arrow keys to jump 5 seconds, or press J/L to rewind or fast-forward 10 seconds. Easy, right? Now you can skip the boring parts (or replay the good ones) in a flash.

🚨 Hackers can steal your home without you even knowing: With just a forged signature, cybercriminals can take out loans in your name, drain your equity, and leave you with the mess. Home Title Lock monitors your title 24/7 and alerts you to any tampering because your biggest investment deserves the best protection. Click here to get a free home title history report, using code KIM250.*

More replies = more reach: Want more engagement on social media? Accounts that reply to comments within 30 minutes see 50% more engagement on future posts. Stay on top of it by turning on post notifications. Look under Settings > Privacy > Notifications.

🔋 Make your laptop battery last longer: Windows 11 has a Dynamic Refresh Rate option that adjusts how often your screen updates for simple tasks. Go to Settings > System > Display > Advanced Display > Choose a refresh rate > Dynamic.

Snappy trick: On a Mac, dragging windows around works, but it’s slow. Instead, hold down Option, and your Mac will instantly highlight the left or right side. Pick a side, and voilà, windows in place instantly.

🥞 Batter up! Tomorrow is National Pancake Day. If I was the kind of person to syruptitiously make pancakes on a Tuesday, I’d go with this recipe, but I really want this recipe. PSA: Free short stacks at IHOP tomorrow from 7 a.m. to 8 p.m. your time.

Reminds me … Two eggs, a sausage link, a piece of toast and three pancakes walk into a bar. They walk up and order beers all around. The bartender says, “Sorry, we don’t serve breakfast.” (Come on, that was good!)

👊 I’m your secret weapon: If you need a hand with your online business, a digital dilemma or getting something done, drop your questions here. I read every single one. Thanks for being such a loyal reader of the best tech newsletter in the universe! See you tomorrow! — Kim