Financial blogger Barry Ritholtz discusses upcoming changes to Instagram (the popular "app" that adds arty filters to cellphone photo-sharing):

Facebook will be adding advertisements into Instagram’s application — and you and your kids may be part of them. From the NYT Bits blog, here are the changes in Instagram’s privacy policy that you should be aware of:

1. Instagram can share information about its users with Facebook, its parent company, as well as outside affiliates and advertisers.

2. You could star in an advertisement — without your knowledge.

3. Underage users are not exempt.

4. Ads may not be labeled as ads.

5. Want to opt out? Delete your account.