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Bill Gates on NFTs: 'I'm Not Involved in That'
Bill Gates on NFTs: 'I'm Not Involved in That'
Bill Gates is no fan of Bored Ape. The billionaire philanthropist appeared at TechCrunch's climate event on Tuesday and expressed skepticism about NFTs and other cryptocurrencies.
Gates said that he prefers to invest in farming or companies that offer products, and described NFTs as "an asset class that's 100% based on greater fool theory that someone's going to pay more for it than I do." Greater fool theory is an approach that asserts one can make a profit from an overvalued asset as long as there's someone out there willing to buy it for more than what you paid. Eventually, the market will flood and run out of "fools" who are on board with that asset's money-making wave.
Pointing to issues about taxation and government regulation, Gates made it clear he doesn't invest in NFTs or any other forms of crypto. "I'm not involved in that," he stated. "I'm not long or short in any of those things." At one point in the discussion, Gates joked that digital images of monkeys would help the world -- an acknowledgement of Bored Ape Yacht Club's pervasive presence in the realm of NFTs.
The comments aren't the first time the Microsoft co-founder has spoken out about crypto. In a 2021 interview with Bloomberg Technology, Gates said that such investments are too risky and cautioned against bitcoin. He advised investors who have less money to burn than Elon Musk to be wary of its volatility. On the flip side, Gates shared his approval of digital money where transactions can be tracked and regulated, especially in developing countries.
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MacOS Ventura: The Coolest Upgrades and New Features for Macs
MacOS Ventura: The Coolest Upgrades and New Features for Macs
This story is part of WWDC 2022, CNET's complete coverage from and about Apple's annual developers conference.
Apple introduced MacOS Ventura, the next operating system for Mac computers, at Apple's WWDC 2022 keynote on Monday. As the successor to MacOS Monterey, Ventura will offer new features in addition to upgrading Mac staples like Spotlight and Safari.
And that's not the only change coming to the Mac world. Apple also announced a 2022 MacBook Air and MacBook Pro, both with a new M2 chip. (Here's a full list of the new tech Apple revealed at WWDC this week.)
Read on for all the updates and new tricks to expect when MacOS Ventura becomes publicly available this fall.
Stage Manager and other new features
Ventura adds a new feature called Stage Manager that helps you rearrange and group your open windows. Enabling the feature from Control Center will center your screen on one window, with other windows in a smaller thumbnail view on the side. Have multiple windows related to one project? You can group them together in Stage Manager, making it easier to jump around to what you need.
Stage Manager helps you organize your desktop in MacOS Ventura.
Apple
Ventura also brings updates to other apps and features. Upgrades to Spotlight will let you search the internet for images and also search within images. In Mail, you'll be able to undo and schedule sent messages, and Apple touted "more accurate and complete results" in Mail's search function. On Safari, you'll be able to share tab groups and create Passkeys -- unique login credentials for each individual site that requires a login.
Plus, MacOS Ventura features Metal 3, an upgrade to the software that powers gaming on MacOS devices. These upgrades will allow the MacBook Air to run games at 1080p resolution, and Mac Studio devices will be able to play in up to 4K.
MacOS Ventura brings new camera tricks
FaceTime gets an upgrade in the new MacOS, allowing you to seamlessly transition a call between iPhone, iPad and Mac. Ventura also lets you use your iPhone as your webcam in a new feature called Continuity Camera. A new Desk View feature uses the ultrawide camera on iPhones to create a portrait view and a desktop view side by side. Apple says Continuity Camera will work with every video chat app.
MacOS Ventura will enter public beta in July, and Apple plans to release it in the fall.
Need to show what's on your desk? Use your iPhone as a camera to enable Desk View in your video apps.
Apple
Apple's MacOS has been around for more than 20 years, powering its Macs, MacBook Pros, MacBook Air and similar devices. However, Apple's Mac computers only represent less than 10% of the computers being used today. Apple's homegrown M-series chip is helping to change that, though. Apple said fans bought so many M1 Macs when they hit the market a year ago that they helped push the company's desktop and laptop revenues to an all-time high of $9.1 billion during the first three months of the year. Sales were up a whopping 70% from the same period a year earlier.
For more, check out everything else Apple debuted at WWDC, including WatchOS 9 and iOS 16, as well as Apple's new MacBook Pro and MacBook Air.
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This Pixel 6 Camera Trick Cleans Up Your Photos Like Magic
This Pixel 6 Camera Trick Cleans Up Your Photos Like Magic
If you own a Pixel 6 (or a Pixel 6A or Pixel 7 in the future), there's a camera tool that can put an end to photobombers ruining your treasured pictures. It's called Magic Eraser. The tool gives you the power to remove unwanted items or people pulling focus from both new and old photos without compromising the background with a blur effect.
After all, when you're trying to get that perfect image for Instagram, the rest of the world won't always notice you're taking a photo and could unintentionally end up in the background. The Magic Eraser feature should save you from awkwardly asking someone to move out of frame while giving you more control over what shows up in your pictures.
Magic Eraser detects distractions in your photos, makes suggestions as to what you may want to remove and lets you choose to erase them either all at once or one at a time, with a simple tap, according to a blog post from Google. Machine learning then predicts what the pixels should look like after you remove the unwanted elements from your photos.
Google introduced the Magic Eraser photo-editing tool alongside the Pixel 6 and Pixel 6 Pro in October, but at Google I/O 2022, the company said that the upcoming Pixel 6A and Pixel 7 will also sport the photo editing feature.
For now, Magic Eraser is only available on the Pixel 6 and Pixel 6 Pro. Here's how to find it.
1. Open the Google Photos app.
2. Choose the photo you want.
3. Tap Edit in the bottom toolbar.
4. Tap Magic Eraser. The tool will detect and outline potential distractions in white.
5. If you agree with the suggestions, tap Erase All or tap each item to remove them individually.
If Magic Eraser didn't correctly choose what you want to remove, you can manually circle something in the photo to erase it.
For more, take a look at everything announced at Google I/O 2022, including the adoption of a 10-step skin tone scale for beauty related searches. There's also the Pixel Watch, Pixel 6A, Android 13 (here's how to download the beta now) and the Pixel Buds Pro.
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Let Pocket read your clipped articles aloud
Let Pocket read your clipped articles aloud
Pocket's new text-to-speech feature is just two taps away. Read It Later, Inc.
There are few apps I prize as much as Pocket. I use the browser bookmarklet constantly to "clip" Web articles I want to read later, and the app to read those articles -- all beautifully reformatted for mobile viewing -- on my phone or tablet.
Of course, Pocket doesn't do me much good if I'm in the car, working in the kitchen or otherwise unable to hold my device and focus my eyes.
That's why this news rocks: Pocket for iOS now offers a text-to-speech option that lets you listen to your clipped stories. (Android users have enjoyed the same feature since way back in 2012. Better late than never?)
To access the option, first hit the App Store on your device and make sure to update Pocket to the latest version (5.6.7 as of this writing).
Next, run the app, open any article you want to hear, then tap the More icon (represented by three dots). Then just tap "Listen (TTS)" and the audio will start immediately. At the same time, you'll see a player toolbar with the usual Play/Pause/Shuttle buttons.
There's also a slider at the bottom that lets you adjust reading speed. I found the default speed a little fast, but one notch down was just right.
The female, Siri-like voice is a little on the robotic side -- to be expected -- but at least "she" uses the proper inflection and pauses around punctuation. It's not a perfect listening experience, but it's pretty darn good.
Indeed, this is a great way to enjoy long-form articles while you're driving or just want to give your eyes a screen break. Pocket was already awesome; now it's even better.
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8 Ways to Protect Your Money During a Recession
8 Ways to Protect Your Money During a Recession
This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.
What's happening
With the latest GDP report showing another consecutive quarterly decline in economic activity, the country is likely in a technical recession.
Why it matters
Previous recessions have all seen pervasive layoffs, higher costs of borrowing and a tumultuous stock market.
What it means for you
Worry less about the macroeconomic news of the day and focus on what you can control. Take inventory of your financial life, gather facts and make moves to protect your savings.
While many economists still refuse to use the R-word, the warning signs indicate the US economy is now likely in a technical recession. In addition to another quarterly drop in GDP, or gross domestic product, consumer confidence has gone down, the stock market is in bear territory and inflation is still soaring, despite four interest rates hikes from the Federal Reserve.
An increase in layoffs -- another key indicator of a recession -- is also being felt across the country as many companies, particularly in the tech sector, have announced layoffs in recent months. And if you ask most people, they'll say it's become undoubtedly harder to make ends meet. At least one poll conducted in June finds a majority of Americans, or 58%, believe we are in a recession.
But then others point to some key factors that point in the opposite direction -- for example, low unemployment levels, rising spending and a healthy banking sector.
While the National Bureau of Economic Research makes the official call on a recession -- and so far it's remained tight-lipped -- whether we call this challenging financial period a recession or not seems like a pretty subjective matter of interpretation.
At CNET Money, we're dedicated to supporting your financial health with accurate, timely and honest advice that takes into consideration the pressing financial questions of our time. That's why we're launching the Recession Help Desk, a destination where you will get the latest, best advice and action steps for navigating this uncertain period.
First, a quick look back at the US economy
Since the Great Depression, the US has had about a dozen economic setback periods lasting anywhere from a few months to over a year. In some ways, there's always a recession on the horizon: Economies are cyclical, with upswings and downturns. We can't predict what will happen in advance, and sometimes we can't even tell what's happening while we're in the middle of it. Morgan Housel, author of The Psychology of Money, may have said it best when he tweeted back in April: "We're definitely heading toward a recession. The only thing that's uncertain is the timing, location, duration, magnitude and policy response."
Attempting to figure out recession specifics is a guessing game. Anyone who tells you different is likely trying to sell you something. The best we can do right now is draw on history to build context, get more proactive about the money moves we can control and resist the urge to panic. This includes reviewing what happened in previous recessions and taking a closer look at our financial goals to see what levers to pull to stay on track.
Here are eight specific steps you can take to create more financial stability and resilience in a turbulent economy.
Read more: Bear Markets: Expert Stock Market Advice for Investors
1. Plan more, panic less
The silver lining to current recession predictions is that they're still only forecasts. There is time to assemble a plan without the real pressures and challenges that come with being in the thick of an economic slowdown. Over the next couple of months, review your financial plan and map out some worst-case scenarios when your adrenaline isn't running high.
Some questions to consider: If you did lose your job later this year or in early 2023, what would be your plan? How can you fortify your finances now to weather a layoff? (Keep reading for related advice.)
2. Bulk up your cash reserves
A key to navigating a recession relatively unscathed is having cash in the bank. The steep 10% unemployment rate during the Great Recession in 2009 taught us this. On average, it took eight to nine months for those affected to land on their feet. Those fortunate to have robust emergency accounts were able to continue paying their housing costs and buy time to figure out next steps with less stress.
Consider retooling your budget to allocate more into savings now to hit closer to the recommended six- to nine-month rainy day reserve. It may make sense to unplug from recurring subscriptions, but a better strategy that won't feel as depriving may be to call billers (from utility companies to cable to car insurance) and ask for discounts and promotions. Speak specifically with customer retention departments to see what offers they can extend to keep you from canceling your plans.
3. Seek a second income stream
Web searches for "side hustles" are always popular, but especially now, as many look to diversify income streams in the run up to a potential recession. Just like it helps to diversify investments, diversifying income streams can reduce the income volatility that arrives with job loss. For inspiration on easy, low-lift side hustles that you might be able to do from home, check out my story.
4. Resist impulsive investing moves
It's hard not to be worried about your portfolio after all the red arrows in the stock market this year. If you have more than 10 or 15 years until retirement, history proves it's better to stick with the market ups and downs. According to Fidelity, those who stayed invested in target-date funds, which include mutual funds and ETFs commonly tied to a retirement date, during the 2008 to 2009 financial crisis had higher account balances by 2011 than those who reduced or halted their contributions. "Those who panic and sell 'at the bottom' often regret it because trying to time the market can result in losses that are very difficult to regain because stock prices can change quickly," said Linda Davis Taylor, seasoned investment professional and author of The Business of Family.
If you have yet to sign up for automatic rebalancing, definitely look into this with your portfolio manager or online broker. This feature can ensure that your instruments remain properly weighted and aligned with your risk tolerance and investment goals, even as the market swings.
5. Lock interest rates now
As the policy makers raise interest rates to bring down inflation levels, interest rates will increase. This potentially spells bad news for anyone with an adjustable-rate loan. It's also a challenge for those carrying a balance on a credit card.
While federal student loan borrowers don't have to worry about their rates going up, those with private variable rate loans may want to look into consolidating or refinancing options through an existing lender or other banks, such as SoFi, that could consolidate the debt into one fixed-rate loan. This will prevent your monthly payments from increasing unpredictably when the Federal Reserve raises interest rates again this year, as expected.
6. Protect your credit score
Borrowers may have a tougher time accessing credit in recessions, as interest rates jump and banks enforce stricter lending rules. To qualify for the best loan terms and rates, aim for a strong credit score in the 700s or higher. You can typically check your credit score for free through your existing bank or lender, and you can also receive free weekly credit reports from each of the three main credit bureaus through the end of the year from AnnualCreditReport.com.
To improve your credit score, work towards paying down high balances, review and dispute any errors that may be on your credit report or consider consolidating high-interest credit card debt into a lower interest debt consolidation loan or 0% introductory APR balance transfer card.
7. Rethink buying a home
While home prices have cooled in some areas, it remains a competitive housing market with few homes to go around. If rising mortgage rates are adding more pressure to your ability to buy a home within budget, consider renting for a little longer. If you're also worried about your job security in a potential recession, then that's even more reason to take pause. Leasing isn't cheap at the moment, but it can afford you more flexibility and mobility. Without the need to park cash for a down payment and closing costs, renting can also keep you more liquid during a potentially challenging economy.
8. Take care of your valuables
The advice that was born out of the sky-high inflation period in the late 1970s still applies now: "If it ain't broke, don't fix it."
With ongoing supply chain issues, many of us face high prices and delays in acquiring new cars, tech products, furniture, home materials and even contact lenses. This includes replacement parts, too. If a product comes with a free warranty, be sure to sign up. And if it's a nominal fee to extend the insurance, it may be worth it during a time when prices are on the rise.
For example, my car has been in the repair shop for over three months, waiting for parts to arrive from overseas. So, in addition to paying my monthly car payment, I have a rental car fee that's adding up. If nothing else, I'll be heading into a possible recession a more cautious driver.
Read more: Smaller Packages, Same Prices: Shrinkflation Is Sneaky
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Musk Sells About $8.5 Billion in Tesla Stock After Twitter Deal
Musk Sells About $8.5 Billion in Tesla Stock After Twitter Deal
Elon Musk sold about $8.5 billion worth of Tesla shares this week in the wake of his deal to buy Twitter, according to reports from The Wall Street Journal and CNBC.
Tesla's CEO sold about 4.4 million shares on Tuesday and Wednesday, then another 5.2 million shares on Thursday, CNBC reported, citing Securities and Exchange Commission filings.
That left him with around 163 million shares in the electric-vehicle maker, or nearly 16% of the company, the Journal said. Musk is Tesla's largest shareholder and owned about 17% of the company before this week's sales.
After news of the sales started to break, Musk tweeted Thursday night: "No further TSLA sales planned after today."
Earlier this week, Twitter accepted Musk's offer to buy it for $54.20 per share for a total of about $44 billion, but the deal still requires shareholder and regulatory approval.
Tesla shares rose about 3 percent in Friday morning trading.
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Saturday deals: $12 Bluetooth selfie stick, $59 phone gimbal, $21 monitor mount and more
Saturday deals: $12 Bluetooth selfie stick, $59 phone gimbal, $21 monitor mount and more
Happy weekend, cheeps! I hope you're staring down the barrel of some unseasonably warm weather, as we are here in Michigan. Must. Return. To. Outdoors!
Like, maybe, go out and shoot some video? With a free OnePlus phone, maybe? Hey, just spitballing. Maybe you're content to stay in and play a free game. You do you. (Survey: Is that phrase played out or still viable?)
I found some great stuff to kick off your weekend. Take a look.
Atumtek
Amazon seller: Rosesy
Price: $12 with promo code AATSS065
Sure, at first we all thought selfie sticks were silly. But let's be honest: They're incredibly handy, especially if they're like this one. It doubles as a tripod, an invaluable feature for on-the-go vloggers. Plus, there's a removable Bluetooth remote for snapping photos and starting/stopping video. No-brainer at this price, if you ask me.
Moza
Amazon seller: Videotek-US
Price: $59 with promo code SYRK8NL4
Want to take phone video to the next level? Try shooting with a three-axis gimbal like this one. It promises to keep your footage much steadier than if you filmed by hand, plus it doubles as a tripod. It also folds up for easy transport.
Although I haven't tried this particular gimbal, one thing I've noticed with products like them (which, incidentally, used to sell for $100 and up): There's a learning curve. Read the instructions, watch some tutorial videos. Because operation isn't always intuitive, a little study is in order.
Humble Bundle
If you don't mind a little profanity with your self-help, check out this massive ebook bundle from Humble Bundle. It includes a whopping 27 titles, most from Microcosm's popular Unf*ck Your Life series. (The one that started it all, Unf*ck Your Brain, sells for $10 for Kindle all by itself.)
There are various tiers available, including one that's just $1, but obviously the best value is buying the whole enchilada. Whatever you choose, a portion of the proceeds goes to Street Books, a "bicycle-powered mobile library serving people who live outside and at the margins in Portland, Oregon."
Win-win.
Atumtek
Amazon seller: Rosesy
Price: $20.57 with promo code AATMS034
Two monitors side-by-side = big productivity boost. But if your desk doesn't quite have room to accommodate them, or you want more positioning options, grab this dual-arm mount. Just clamp it to the back of your desk (or using the grommet-hole option) and attach your Vesa-compatible monitors to the arms.
The mount can accommodate screens of up to 27 inches, and they're all good for independent tilting, rotating and swiveling. Great, great deal for the price.
Have a safe and enjoyable weekend, and I'll see you back here on Monday!
This article was first published on Friday. It has been updated with weekend deals.
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.
