Tag Archives: Personal Investing Ideas & Strategies

Snap is testing a less confusing version of its app

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One of the most common criticisms against Snapchat is that it's not very intuitive and is quite hard navigate as a new user. Personally, I never quite got the hang of it and find TikTok much, much easier to use. Apparently, Snap is aware of the issue, because it's currently testing a "simplified version of Snapchat." Snap CEO Evan Spiegel has revealed the existence of an experimental Snapchat app in a lengthy blog post discussing the company's highs and lows over the past 13 years, as well as its most recent earnings and future plans. 

The simplified app "aims to improve accessibility and usability," he wrote, adding that it's been positively received in early tests. In addition, the app could lead to better app performance and faster load times overall. Even so, Spiegel said that the company "will be thoughtful and deliberate about making a change of this magnitude" despite the app's reception. That most likely means that Snap is still testing the app more thoroughly and that we won't be seeing it anytime soon. 

In addition to revealing the existence of a simpler Snapchat, Spiegel has also revealed that the company is testing new advertisement formats. One of those formats called Sponsored Snaps will show up as new Snaps in your chat inbox, alongside your friends' messages. The good news is that you won't get a notification for those Snap ads, and opening the messages is optional. As The Verge notes, though, the ads could sit above your actual friends' messages if you never open them. 

The company most likely cooked up the new and potentially more intrusive ad placement as a response to its lagging share performance in the ad market. Spiegel said that the company has managed to reverse two years of declining year-over-year revenue growth, but its advertising business is growing slower than its competitors'. He also said that expanding the company's digital advertising business is key to its long-term revenue potential and that Snap's investors are getting concerned that it's not growing faster. 

This article originally appeared on Engadget at https://www.engadget.com/apps/snap-is-testing-a-less-confusing-version-of-its-app-113007479.html?src=rss

Meta will open up Horizon Worlds access to preteens

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When I was a preteen, social media was just getting going, so there weren't many restrictions in place regarding access. Now, regulations — and the consequences of not having them — are everywhere, with the latest example coming courtesy of Meta (a case study for all the good and bad social media has to offer). Meta has announced it's opening up Horizon Worlds to preteens with parent-approved access to a Meta account.

Anyone aged 10 to 12 can soon request entry to the VR game and explore different worlds like The Space Station or Citadel. Each world is also getting a rating of ages 10+, 13+ or 18+, with ones in the last category not shown as an option to anyone 17 or younger. Parents can either approve all worlds in a specific age bracket, go through and pick specific ones or wait for their kid to send a request.

Further safety features in Horizon Worlds for preteens include the fact that voice chat is disabled for everyone except parent-approved contacts, there are no follow suggestions and there are automatic offline status and visibility settings — something only a parent can change. All parent-managed accounts will also permanently have the personal boundary feature turned on, stopping other avatars from getting too close. Plus, anyone using a Meta Quest 2 or 3 headset will have to re-enter their birthday before playing.

As thought out as these measures seem, parents and guardians might not want to trust that Meta will take care of everything without question. The company has hardly kept young people's well-being at the forefront of their decisions, with lawmakers slamming (and suing) Meta for its disregard. Nearly every state across the US has taken part in lawsuits alleging Meta hooks teenagers onto its platforms and repeatedly promotes safety features while ignoring staff pleas to devote more time and resources to protecting children. Our deep dive into all of Meta CEO Mark Zuckerberg's dangerous decisions (including the company taking minimal action to stop adults from sexually harassing children on Facebook and Instagram) is available here.

This article originally appeared on Engadget at https://www.engadget.com/social-media/meta-will-open-up-horizon-worlds-access-to-preteens-130059930.html?src=rss

Gemini will soon generate AI images of people again with the upgraded Imagen 3

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Google’s generative AI tools are getting some of the boosts the company previewed at Google I/O. Starting this week, the company is rolling out the next-gen version of its Imagen image generator, which reintroduces the ability to generate AI people (after an embarrassing controversy earlier this year). Google’s Gemini chatbot also adds Gems, the company’s take on bots with custom instructions, similar to ChatGPT’s custom GPTs.

Google’s Imagen 3 is the upgraded version of its image generator, coming to Gemini. The company says the next-gen AI model “sets a new standard for image quality” and is built with guardrails to avoid overcorrecting for diversity, like the bizarre historical AI images that went viral early this year.

“Across a wide range of benchmarks, Imagen 3 performs favorably compared to other image generation models available,” Gemini Product Manager Dave Citron wrote in a press release. The tool allows you to guide the image generation with additional prompts if you don’t like what it spits out the first time.

Citron says Imagen 3 performs “favorably” compared to the competition. It also includes Google’s SynthID tool to watermark images, making it clear that they’re AI-made and not the genuine article.

AI images created with Google's Imagen 3 model. Foxes and balloons.
Google

Citron says the ability to generate people will return in the coming days for paid users, months after Google yanked the feature. He says new guardrails will prevent the generation of “photorealistic, identifiable individuals” — a far cry from the problematic deepfakes generated by Elon Musk’s Grok. Also off-limits are children and (as with other image generators) any gory, violent or sexual scenes. The product manager grounds expectations by saying Gemini’s images won’t be perfect, but he promises the company will continue to listen to user feedback and refine accordingly.

Starting this week, the Imagen 3 model will be available for all users, but reintroducing images featuring people will begin with paid users. English-speaking Gemini Advanced, Business and Enterprise users can expect human image generation to return “over the coming days.”

A Google AI Gem, custom bot, designed to curate cliffghangers.
Google

Initially previewed at Google I/O 2024, Gems are Google’s custom chatbots with user-created instructions. It’s essentially Gemini’s answer to OpenAI’s GPTs, which Google’s competitor rolled out late last year. Gems begin rolling out in the next few days.

“With Gems, you can create a team of experts to help you think through a challenging project, brainstorm ideas for an upcoming event, or write the perfect caption for a social media post,” Citron wrote. “Your Gem can also remember a detailed set of instructions to help you save time on tedious, repetitive or difficult tasks.”

In addition to the blank slate of custom Gems, Gemini will include premade ones “to help you get started” and inspire new ideas. Prebuilt Gems include:

  • Learning coach - to help you understand complex topics

  • Brainstormer - to inspire new ideas

  • Career guide - walk you through skill upgrades, decisions and goals

  • Writing editor - provide constructive feedback on grammar, tone and structure

  • Coding partner - upgrade coding skills for developers and inspire new projects

Gems begin rolling out today on desktop and mobile. However, they’re only available for Gemini Advanced, Business and Enterprise subscribers, so you’ll need a paid plan to check them out.

This article originally appeared on Engadget at https://www.engadget.com/ai/gemini-will-soon-generate-ai-images-of-people-again-with-the-upgraded-imagen-3-161429310.html?src=rss

The Apple iPhone 16 event is officially set for September 9: Apple Watch, AirPods and more

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With Google's Pixel 9 event in the rear view mirror, it's time to look ahead to the industry's next big showcase. Apple's iPhone 16 event, arguably the biggest date on the tech world's fall calendar, will take place on September 9 at 1PM ET. And as always, rumors about the iPhone 16 lineup have been flying around in the run up to the event.

Apple is using the tagline "It's Glowtime" on an invite it sent to the media. As usual, the event will take place at the Steve Jobs Theater at the company's headquarters, Apple Park, in Cupertino, California.

This year is likely to be a more muted one in terms of hardware changes, with Apple perhaps placing more onus on the software side and AI-powered Apple Intelligence features. 

2024 Apple iPhone event invite. It features a glowing Apple logo with text reading
Apple

Apple will certainly upgrade the chipset that the iPhone runs on, in large part because it will want to make sure all of its current smartphones support Apple Intelligence. As things stand, only the iPhone 15 Pro and 15 Pro Max have enough oomph to do so. Plus, a new chipset is a bare minimum upgrade.

Apple may slightly increase screen sizes this year. The camera array could get a new look on the base iPhone 16, with Apple ditching the square and switching to a vertical orientation. Apple is likely to upgrade the cameras on several models too.

There may be a more significant change on the camera front as Apple is expected to add a capture button that includes zoom gesture controls. The idea is to make it easier to take photos and shoot videos in landscape mode. It's unclear whether the button will be available on the entire lineup or just the Pro models. However, the iPhone 16 and 16 Plus are expected to lose the mute switch in favor of the action button that debuted on the 15 Pro and 15 Pro Max. 

Meanwhile, Apple typically debuts new Apple Watch models at its iPhone events. The Apple Watch Series 10 (or Series X, perhaps) is expected to have a new chip that will either make the device more powerful or power efficient. The screen could be much bigger, with reports suggesting that Apple plans to ditch the 41mm variant and introduce a 49mm one. Rumors also suggest Apple is redesigning the band system with new connectors. This could, unfortunately, prevent you from using your existing bands on the Series X.

It's all but certain that iOS 18, iPadOS 18, macOS Sequoia, watchOS 11 and Apple's other major operating system updates will go live very soon after the event. However, the much-hyped Apple Intelligence features won't be available right away. Since those are in the iOS 18.1 beta, most people will have to wait for the public rollout of that version (and equivalent OS versions on other compatible devices) to try out Apple Intelligence. It's expected that Apple will release iOS 18.1 in October.

Word on the street also suggests that we'll get some updated AirPods at the event. We may see both entry-level and mid-tier versions of the AirPods 4 in a couple of weeks, with only the latter supporting wireless charging for the case.

You'll be able to watch the iPhone 16 event live on YouTube, Apple's website and the Apple TV app. As ever, we'll have full coverage of all the big news right here on Engadget.

This article originally appeared on Engadget at https://www.engadget.com/mobile/smartphones/the-apple-iphone-16-event-is-officially-set-for-september-9-apple-watch-airpods-and-more-160432294.html?src=rss

Meta has reportedly killed its Apple Vision Pro competitor

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Meta has canceled its plans for a long-rumored mixed-reality headset that was intended to compete with the Apple Vision Pro, according to reporting by The Information. The company told employees at Reality Labs to stop working on the device after a product review meeting attended by CEO Mark Zuckerberg, as cited by Meta staffers.

The headset was internally referred to as La Jolla and was reportedly supposed to release in 2027. This mixed-reality device was allegedly heads and shoulders above the Quest 3, with ultra-crisp micro OLED displays. This is the same display technology used in the Apple Vision Pro.

Reporting indicates that a major sticking point was cost. The team wanted to get the device under $1,000, but those micro OLED panels don’t come cheap. The Vision Pro, after all, is $3,500.

Another likely reason the premium device got canned is that, well, there might not be that much hunger for expensive headsets. The Vision Pro’s sales have been sluggish and Meta’s own pre-existing high-end headset, the Quest Pro, was widely ridiculed for coming in with a $1,500 price tag.

It’s important to note that this doesn’t mean Meta is abandoning VR and MR devices. It’s just putting the kibosh on one expensive, high-end headset. There are plenty of rumors out there that a Quest 4 is coming, alongside a more budget-friendly version of the Quest 3. Meta is also reportedly prepping some new AR glasses that will likely be shown off at the next Connect event on September 25.

The CTO of Meta, Andrew Bosworth, echoed the above sentiment. He wrote on Threads that the company has "many prototypes in development at all times" and that "decisions like this happen all the time." 

The company is, however, shifting its strategy a little bit. Beyond canceling the aforementioned headset, Meta’s been trying to license its XR software to third-party hardware makers. The platform, which is called Horizon OS, might be licensed to Indian tech giant Jio as an opening move in this gambit. A deal with LG, however, fell through.

It’s always possible that the company will revive the concept of a high-end headset in the future, once the space gets more consumer traction. In the meantime, the Quest 4 will reportedly hit store shelves in 2026.

This article originally appeared on Engadget at https://www.engadget.com/ar-vr/meta-has-reportedly-killed-its-apple-vision-pro-competitor-184446962.html?src=rss

Microsoft boosts Windows’ FAT32 partition size limit after nearly three decades

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Microsoft righted an age-old “wrong” (at least for those who geek out on disk formatting) earlier this week. With its latest Windows 11 Insider Canary Preview Build (via The Verge), the company increased the maximum FAT32 partition size limit from 32GB to 2TB when using the command line. The boost from the previous limit, which its creator thought would be limited to the lifespan of Windows NT 4.0, comes after 28 years.

FAT32 isn’t widely used today. Even SD cards, the last holdout, have mostly moved to exFAT. (FAT32 has other limitations for the modern world, like a 4GB file size limit.) So, the move appears to be more about making amends — a Windows geek’s equivalent of pardoning a historical figure who’s been dead for a century — than a practical change that will affect people today. The fact that the Windows GUI partitioning tool still includes the 32GB partition cap further decreases the odds that many will find much tangible benefit from the move.

In a 2021 video on his “Dave’s Garage” YouTube channel, retired Microsoft system engineer Dave Plummer explained why he chose the 32GB partition cap. When he picked the limit “on a rainy Tuesday morning” in the mid-90s, he thought it would have an extremely short lifespan and would see an increase in the next revision. “I picked the number 32GB as the limit and went on with my day,” he said. “I didn’t start to regret that choice until SD cards got to the magic 32GB size many years later.”

Plummer went on to dispute the myth that Microsoft imposed the 32GB cap to push the adoption of the company’s NTFS format. He explained that NTFS was already widely adopted and that, to his knowledge, Microsoft never promoted it or made a dime from licensing it. Instead, he says FAT32’s artificial cap was more about preventing wasted space (especially with small files) than deploying any sinister corporate strategies.

If you really want to nerd out on ‘90s disk formats, Plummer’s three-year-old video goes into more detail about his arbitrary decision that — unbeknownst to him at the time — would last nearly 30 years.

This article originally appeared on Engadget at https://www.engadget.com/computing/microsoft-boosts-windows-fat32s-partition-size-limit-after-nearly-three-decades-192022618.html?src=rss

Texas Instruments awarded $1.6 billion in CHIPS Act funding for domestic silicon production

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Texas Instruments is the latest recipient of CHIPS Act funds. The 2022 law, signed by President Biden to boost domestic silicon production in the face of increasing Chinese chip imports, will award TI $1.6 billion in grants. The company will also receive $3 billion in loans and tax credits that could amount to $6 to $8 billion.

The effort is expected to create over 2,000 US manufacturing jobs at Texas Instruments’ new plants and “thousands of indirect jobs” for construction, suppliers and supporting industries. TI says it expects to receive another $10 million to fund workforce development.

TI’s grant money will go towards three chip fabs already under construction in Texas and Utah. The plants will produce 300mm silicon wafer chips under the bill’s $2 billion minimum set aside for legacy chips. The CHIPS Act primarily focuses on cutting-edge silicon, like those increasingly used for AI. TI’s production will go towards less advanced processors for things like smartphones, appliances and national defense. GlobalFoundries was awarded $1.5 billion for legacy silicon production in February. With Friday’s awarding of funds for TI, the government has now met its minimum quota for legacy chips.

Bloomberg notes that China has recently boosted its investments in legacy chips. Along with creating US jobs, the CHIPS Act was designed to curtail China’s influence as silicon becomes more of an essential global resource. Other recipients include Intel ($8.5 billion), TSMC ($6.6 billion) and Samsung ($6.4 billion).

Texas Instruments said it will spend around $40 billion in Utah and Texas, including two more factories in Sherman, TX. However, those aren’t expected to be operational until after 2030. For the CHIPS Act, the Commerce Department prioritizes projects that can be completed by the decade’s end, leaving those delayed plants without federal funding.

The $280 billion CHIPS Act passed in 2022 with 64 votes in the Senate and 243 in the House. The bill included $39 billion in subsidies for domestic chip manufacturing, 25 percent tax credits for manufacturing costs and $13 billion for workforce training.

After the bill passed in 2022, Biden said it would “strengthen our national security by making us less dependent on foreign sources of semiconductors.” He noted that it included “guardrails to ensure that companies receiving tax payer dollars invest in America and that union workers are building new manufacturing plants across the country.”

This article originally appeared on Engadget at https://www.engadget.com/big-tech/texas-instruments-awarded-16-billion-in-chips-act-funding-for-domestic-silicon-production-180039388.html?src=rss

Google brings the AI feature that told Americans to eat rocks to six more countries

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Google is expanding AI Overviews, the feature that summarizes answers to complex questions from the web and presents them at the top of traditional search results, to six more countries — India, Japan, Mexico, Indonesia, Brazil and the United Kingdom — from Thursday with support for local languages as well as English.

That’s less than three months after AI Overviews launched in the United States and promptly told people to eat rocks and put glue on their pizzas. Bringing them to millions more people begs the question: How do you prevent another glue pizza fiasco in a foreign country?

“It’s a challenging space,” Hema Budaraju, senior director of product management for Search at Google, told Engadget in an interview. “Understanding quality at the scale of the web across all these languages is a hard problem, and integrating LLMs (large language models) is not easy to do. Using AI to better understand languages is pretty critical.”

To prevent a glue pizza situation in, say, Hindi or Japanese, Google said it has done language-specific testing of AI Overviews as well as red-teaming, a technique used by the tech industry to stress-test how systems might behave under attack from bad actors. “We are focused on addressing potential issues and we are committed to listening and acting quickly,” Budaraju said. In May, Google put additional guardrails on AI Overviews after its outlandish responses, such as limiting the inclusion of satire and humor content and restricting the types of queries that triggered the feature to begin with.

In addition to expanding the feature to more countries, Google is also making one more big change to AI Overviews: it will now prominently display links to sources on the right-hand side of each AI-generated answer, making it easier for people to click through to the actual website where the answer came from. And for a small percentage of users, it will also add links directly within the text of AI Overviews. If this move is rolled out more broadly, it could allay concerns from publishers about losing traffic to AI that reads the internet for people and reduces the need to click through to actual web pages.

"This experiment has shown early positive results and we are able to drive more traffic with links directly in the text,” Budaraju said.

Users who opt in to Search Labs, the company’s platform for trying out upcoming features ahead of their general release also get to play with a couple of additional features — the ability to “save” a specific AI Overview for future reference, as well as an option to simplify the language of an AI-generated answer, something that Google previewed earlier this year.

Update, August 15 2024, 12:50 PM ET: This story has been updated to clarify that links within the text of AI Overviews are available for a small percentage of users, not just those signed up for Search Labs.

This article originally appeared on Engadget at https://www.engadget.com/ai/google-brings-the-ai-feature-that-told-americans-to-eat-rocks-to-six-more-countries-160025221.html?src=rss

Hackers may have leaked the Social Security Numbers of every American

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Several months after a hacking group claimed to be selling nearly 3 billion records stolen from a prominent data broker, much of the information appears to have been leaked on a forum. According to Bleeping Computer, the data dump includes 2.7 billion records of personal info for people in the US, such as names, Social Security Numbers, potential aliases and all physical addresses they are known to have lived at.

The data, which is unencrypted, is believed to have been obtained from a broker called National Public Data. It's said that the business assembles profiles for individuals by scraping information from public sources and then sells the data for the likes of background checks and looking up criminal records. (A proposed class-action suit was filed against National Public Data over the breach earlier this month.)

In April, hacking collective USDoD attempted to sell 2.9 billion records it claimed was stolen from the company and included personal data on everyone in the US, UK and Canada. The group was looking for $3.5 million for the whole 4TB database, but since then chunks of the data have been leaked by various entities.

Previous leaks included phone numbers and email addresses, but those reportedly weren't included in the latest and most comprehensive dump. As such, you won't be able to check whether your information has been included in this particular leak by punching your email address into Have I Been Pwned?

The data includes multiple records for many people, with one for each address they are known to have lived at. The dump comprises two text files that amount to a total of 277GB. It's not really possible for any independent body to confirm that the data includes records for every person in the US, but as Bleeping Computer points out, the breach is likely to include information on anyone who is living in the country.

The publication states that several people confirmed the information that the dump has on them and their family members (including some dead relatives) is accurate, but in other cases some SSNs were associated with the wrong individuals. Bleeping Computer posits that the information may have been stolen from an old backup as it doesn't include the current home address for the people whose details its reporters checked against the data.

In any case, it's worth taking some steps to protect yourself against any negative repercussions from the leak, such as fraud and identity theft. Be extra vigilant against scammers and phishing attacks that look to obtain access to your online accounts. 

Keep an eye on credit reports to see if there has been any fraudulent activity on your accounts and inform credit bureaus Experian, Equifax and TransUnion if so. You can ask the bureaus to put a freeze on your credit files to stop anyone else opening a bank account, taking out a loan or obtaining a credit card under your name.

You can sign up for services that offer identity fraud protection and remove your personal information from the public web to reduce the chances that you'll be negatively impacted. However, such services often charge a fee.

Be sure to use two-factor authentication wherever possible (preferably with you obtaining codes from an authenticator app rather than SMS). And, as always, we highly recommend having a password manager, never reusing the same login credentials for different services and regularly changing the password on your most sensitive accounts.

This article originally appeared on Engadget at https://www.engadget.com/cybersecurity/hackers-may-have-leaked-the-social-security-numbers-of-every-american-150834276.html?src=rss

TikTok is finally rolling out group chats for up to 32 people

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TikTok is rolling out some direct message updates, including "highly requested" group chats. Owner ByteDance notes that group chats aren't available everywhere just yet, but those who do have access to the feature will be able to chat in groups of up to 32 people.

You can start a group chat in a couple of ways. From your inbox, you can tap the Chat button at the top of the screen or a name in the messages list and then the "More options..." button. You can then choose which friends you want to include and then tap "Start group chat."

The other method to start a group chat is by sharing a post with a bunch of people. When you have a video you'd like to chat about with more than one person, tap the Share button, then select "Create group chat." Pick the friends you want to send it to, add a message if you like, then start chatting with your buds about the video.

You can accept any group chat invites you receive via your inbox. You can only invite people you mutually follow to a group chat. As with regular DMs, group chats are not available to users aged between 13 and 15. As for 16- and 17-year-olds, they'll only be able to join a group chat if they have at least one mutual friend in there. If they create a group chat, they'll have to review and manually approve anyone new who joins.

TikTok is also bringing stickers to DMs. That gives folks another way to engage with each other visually. You can create and upload custom stickers for anyone to use.

This article originally appeared on Engadget at https://www.engadget.com/social-media/tiktok-is-finally-rolling-out-group-chats-for-up-to-32-people-180056720.html?src=rss