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Samsung's Galaxy Z Fold 4 Is Too Expensive and That's the Point

Samsung's Galaxy Z Fold 4 Is Too Expensive and That's the Point

Among the devices revealed at its Unpacked event last week, Samsung showed off its new flagship Galaxy Z Fold 4 foldable phone, which packs improvements like better multitasking software, a slimmer design and a more durable body. One thing Samsung didn't change is the sky-high $1,800 price tag -- which few consumers can likely afford. But that exclusivity is exactly why the Fold 4 exists. 

It may seem perplexing to keep the Z Fold 4 at about twice the price of other premium phones when Samsung wants foldables to become more mainstream, as CEO TM Roh said during Unpacked. I argued that price cuts would be the best way Samsung could combat Apple this holiday season. Since Samsung is holding steady with the Z Fold 4's price, it's clear the company is content to keep it a niche device that's out of reach for all but the most deep-pocketed consumers.

The Z Fold 4 sits atop a strata in which it has no real rivals. It's essentially a Ferrari amid Mercedes and BMWs. Creating that level of exclusivity is entirely the point, giving Samsung an exciting and aspirational product that generates buzz and interest in the entire lineup. Chipping a few hundreds dollars off its price won't make a difference, said IDC Research Director Nabila Popal.

Keeping the Z Fold 4 at $1,800 is "the right move, in my opinion, even if it won't be affordable to the masses," Popal said.

This dynamic, which runs counter to the idea that a lower priced foldable may spur interest in the category, is one of the predicaments this whole area faces. Foldables occupy an exciting niche of the phone business, which has seen an endless parade of drab metal and glass slabs come through for more than a decade. But the high price tag keeps them from really breaking out. 

The only answer is to slowly build up the market and interest through a combination of exciting, but less attainable, options like the Z Fold 4, and the comparatively affordable $1,000 Z Flip 4.

Samsung is hoping the Z Fold 4's dynamic design -- which is still impressive in person -- gives the company a pop ahead of Apple's own event next month and generates excitement about foldables in general. 

Samsung is relying on the Z Flip series to sell the vibe of foldables, transitional phones that alter their shape. And Samsung has work to do, because they're still scarce in the wild, with research firm IDC estimating that a bit over 7 million foldables shipped in 2021 compared with 1.3 billion smartphones sold last year.

From a market perspective, the small volume the Z Fold 4 could get may help Samsung gain back some of the global share of high-end phones, as Apple sells seven of every 10 $800-and-up premium phones globally. 

Screenshot by CNET

No price cuts while parts are expensive

Though price cuts would help Samsung make its foldable phones more mainstream, the company may have little choice but to keep its prices static. Unlike truly mainstream products, like Samsung's Galaxy S series, which have flat displays and components used in many other smartphones, the small volume of foldables sold every year have specialty parts.

"That means the very specialized components required ... are still only produced in small quantities and therefore are likely still very expensive," Technalysis Research analyst Bob O'Donnell said.

That leads to a chicken-and-egg problem that impacts every specialty device: Parts can't get cheaper until they're made at scale, and there's no point in making them at scale while consumers buy too few of the pricey devices using those parts. That's the reason so few phone-makers are making foldables, including Apple, O'Donnell said.

"We can't really ignore the fact that the supply chain is not really ready for an Apple-level product, and that's part of the reason Apple hasn't [made a foldable] either," O'Donnell said.

Samsung is splitting the difference with the Z Flip 4, a clamshell foldable that has half the footprint of a "flat" smartphone when it's closed, yet unfolds to show an inner screen as large as any regular phone's display. Samsung sees the Z Flip 4 as an "entry device" that turns bold buyers into foldable lifers, an on-ramp for consumers to eventually upgrade to the bigger, pricier Z Fold line. 

Samsung says the Z Flip is the better-selling series, accounting for 70% of the company's foldables shipped, but both devices serve different demographics. The Z Flip is stylish but ultimately just a shrinkable version of a typical 'flat' smartphone, not a junior edition of the productivity-enhancing Z Fold devices that unfold into tablet-size screens.

More foldables are being sold every year, and IDC predicts shipments will grow to 25 million foldables in 2025. Whether that's enough volume to enable cheaper foldables is tough to forecast. Samsung has at least gotten creative with offering foldables with more value. 

Facebook on the Samsung Galaxy Z Fold 4.

Screenshot by CNET

Cheaper foldables through trade-ins and carrier deals

The industry is working to make foldables a thing. You can get a Galaxy Z Fold 4 for less than $1,800 through Samsung's generous trade-in values and various carrier deals. Samsung retains its elite price tag, carriers get more customers signed on to their services, and customers  get their hands on the next evolution in phones.

Samsung's trade-in deals knock $1,000 off the list price of a Z Fold 4 if you send in your older Z Fold 3, Z Fold 2 or this year's Galaxy S22 Ultra. But trade-in values are still pretty generous for the original Z Fold or other flagship Samsung phones from the last few years. Apple's priciest phones also get decent trade-in value, but you'll get barely anything for phones from Google, Motorola, LG or OnePlus.

Carriers can also save you money on the Z Fold 4, with Verizon, AT&T and T-Mobile offering varying trade-in deals to lower the price by up to $1,000. Verizon also offers $800 off a second Z Fold 4 after buying a first, should your household need two foldables.

The other option is to wait for Black Friday or the holiday season, when Samsung may introduce new deals to discount its foldables. 

Just don't hold your breath for Samsung to discount its most premium mobile device. Unlike the Z Flip 3, which got a $150 price cut once its successor was revealed this week, the Z Fold 3 has the same $1,800 price on Samsung's website that it had when it launched a year ago. With high parts prices, years of R&D to recoup, and a lack of competition, there's not much pressure for Samsung to lower its prices.

Samsung is "leading in this space at the moment and can afford to charge a premium before other Android players ramp up in this space, and perhaps even Apple in a couple of years," Popal said.

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Source

https://nichols.my.id/how-to-repair-efi-boot-windows-10.html

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Dji fpv drone footage dji fpv drone manual dji new fpv drone dji fpv drone weight dji fpv drone bag dji fpv combo dji fpv weight

DJI FPV drone hands-on: A high-speed immersive flying experience with 4K video for $1,299

DJI FPV drone hands-on: A high-speed immersive flying experience with 4K video for $1,299

The DJI FPV drone is made for everyone but is not for everyone. It's built for speed and agility, but its features and capabilities cater to both beginner pilots and those who can keep a drone in the air without the assistance of sensors and GPS. The FPV drone is also much more about experiencing flight than it is about what the camera can do. 

In the box for $1,299 (£1,249, AU$2,099) you'll get the FPV drone, DJI's FPV Goggles V2, a new gaming-style controller and a single battery. That means out of the box you have everything you need for FPV flying and, with the exception of a firmware update, it's also ready to fly. That's unusual for the category, which is still mainly a DIY situation. Even the prebuilt drones this size usually require some setup. 

The FPV has obstacle detection to help beginners.

Drew Evans/CNET

No fear of flying (well, almost)

If you've never flown using an FPV headset, it can be simultaneously thrilling and terrifying, with a little bit of nausea thrown in for good measure (at least for me). It really does feel like you're in the pilot's seat of an aircraft as you soar through the air or zip above the ground at speeds up to 87 mph (140 kph). It also means one small control slip-up could take you out of the sky and empty your wallet. 

If you've ever built your own racing drone, you're likely good to repair damage from crashes. Trying to lower that bar, DJI made some of the FPV's parts easily replaceable, specifically the landing gear, the plastic top shell (an extra is included), the gimbal and the propellers. It's sturdier than DJI's other drones, too, which helps if you get a little too close to a tree, building or other obstacles. 

The large battery is integrated into the frame and securely clips in. DJI says it will last up to 20 minutes, but that's going to depend on how aggressively you're flying. Still, I didn't have any problems getting past the 10-minute mark in Sport mode, which is about the best you can do. It's typical for an FPV drone to only last five to 10 minutes in the air. 

Most of the main body is a battery.

Drew Evans/CNET

Choose your own adventure

The FPV has three flight modes -- Normal, Sport and Manual -- with varying degrees of automated assistance. Normal mode is the closest to flying something like DJI's Air 2 or Mini 2 camera drones. Cameras on the bottom can keep the drone hovering in place without your help, while more on the front will slow you down as you approach obstacles. The top speed is 30 mph. 

Switching to Sport mode lets you fly at up to 60 mph, but the front obstacle detection is shut off. In Manual mode, you're pretty much on your own, although by default it starts with an attitude limit that can be turned off. There is no obstacle detection and no help hovering in place. You can even open up the back of the controller and adjust the stick tension so they don't spring back to the center. 

No matter what mode you're in though, you get an emergency brake on the controller and the same button will trigger the drone to return to the home point. Plus, there's a Find My Drone feature that you can use if you crash and can't see exactly where it went down. 

Analog performance with digital clarity  

The Goggles are lightweight and comfortable. 

Drew Evans/CNET

Most FPV drones aimed at consumers typically rely on using an app and your phone in a VR-type headset. That's fine for casual flying, but the latency of the video feed from the drone's camera to the phone won't be much good at speeds up to nearly 90 mph. On the other hand, FPV racing drones generally use low-resolution analog cameras to send a low-latency feed to a headset while a second camera records the action. The image quality isn't great but when milliseconds count, you want as little delay in the video as possible. 

The FPV drone paired with the FPV Goggles V2 solves these problems by using DJI's transmission technologies to give you low-latency video with great visual clarity. When DJI launched the Goggles I said it's like the difference between a VHS tape that's been played a few too many times and a remastered DVD. 

It's the clear, cinematic live view at 810-pixel resolution that drives the immersive experience from the FPV. Plus, since all of the pieces are paired and ready out of the box, it's a hassle-free experience. Turn on the drone, the headset and the controller and you're ready for take-off. 

A controller fit for FPV gaming

The controller ties it all together. 

Drew Evans/CNET

Many transmitters used for FPV drone racing are large, clunky and loaded with switches. DJI's controller has more in common with your favorite gaming console controller. Flying by FPV feels a lot like you're playing a racing game with a view from behind the wheel, so it's fitting that the controller feels like one made for gaming. 

On top, you just have the two sticks, the power button and a programmable shortcut button. The sticks unscrew and can be stored in the controller's grips and the antenna flips down so it's easier to slip into a bag. The back of the controller is loaded with buttons to control the camera and performance. For example, there's a switch for jumping between flight modes as well as a switch and a dial for moving the camera up and down on its gimbal. 

DJI also made a single-handed pistol-grip motion controller. There are buttons for camera controls, the emergency brake and take-offs and landings. Flying, however, is done by pulling back on a trigger and tilting your hand to the sides or up and down. It's available for $200. 

More a drone with a camera than a camera drone

The FPV's camera records 4K video and transmits a view to the headset.

Drew Evans/CNET

The FPV's camera can record video: up to 4K resolution at 60 frames per second and 128 Mbps, or 1080p at up to 120 fps. It's on a single-axis gimbal for image stabilization, as opposed to the three-axis gimbals found on most of DJI's drones. The gimbal helps when rotating vertically, but most of the shake and vibration is controlled with DJI's RockSteady electronic stabilization. The results are overall good, especially given how quickly the drone moves, but it's not without some motion artifacts. If you're expecting the silky smooth -- and level -- video of a three-axis gimbal, you're better off with a Mavic 2 Pro. 

Also, recording video is pretty much the end of the road for camera features. There are no drone modes or any other automated camera moves. There's no subject tracking or panorama photos. You can correct distortion to remove the fish-eye look from your recordings and video can be stored in H.265 or H.264. That's it, though, and all of the settings are navigated with a mini-joystick and buttons on the headset. Also, there's a microSD card slot on the headset so you can record the FPV video, but it won't have the RockSteady stabilization. 

A big battery for big power. 

Drew Evans/CNET

The DJI FPV is fun to use. For beginners, there's just enough flight assistance to take some of the intimidation out of flying. Experienced pilots will appreciate the additional camera control and how agile and fast the drone is and the great-looking video in the headset. And it's also a good, albeit expensive, way to grow as an FPV pilot without needing to cobble together your own drone, headset and transmitter combo. 

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https://nichols.my.id/how-to-fix-corrupted-files-on-iphone.html

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The Duck Curve: The Cute-Sounding Energy Problem We'll Need to Fix

The Duck Curve: The Cute-Sounding Energy Problem We'll Need to Fix

To tackle the problem of climate change, a swift shift to clean energy technologies is underway. And homeowners have become part of the shift by generating clean energy (and saving money) by adopting solar panels. 

But any change as big as the energy transition comes with some challenges. The National Renewable Energy Laboratory found one years ago: Solar panels produce electricity when demand for it isn't at its highest, and stop producing in the evening, when demand ramps up. This can create a bit of a problem for the grid, though one that does have solutions, as we'll explore below. 

If you're considering solar panels, be sure to research the best solar companies, know how to avoid scams and understand the incentivesavailable to you.

What is the duck curve?

The duck curve is what you get when you plot solar power generation and energy demand on a graph. It's called a duck curve because it ends up resembling a duck. 

Do you see the duck?

California Independent System Operator/Screenshot Andrew Blok

There is a small peak in the morning, when energy demand grows as people start their day. This is the duck's tail. Then there is a drop-off in the middle of the day when many people are out of their homes. This is the duck's back. By evening, there is an even bigger spike in energy demands before tapering off over the evening. This is the duck's head and beak.

Why the duck curve matters

The duck curve is important because it highlights a problem for solar power generation. Solar panels operate best in direct sunlight, so they reach their peak production during the daytime when the sun is overhead. This is when demand for electricity is the lowest. 

This wouldn't matter, except that the grid needs supply and demand to be in sync in order to function. This means utilities need to ramp up generation at power plants to meet evening demand. As solar electricity means power plants are needed even less during the day, they need to ramp up farther and faster than before.

Solar power is generating tons of excess power when it is not needed but starts to taper off as the sun goes down -- right when people are heading home and energy demand increases.

How rooftop solar affects the duck curve

Rooftop solar panels are among the most popular clean energy technologies for residential homes and businesses because they are nonintrusive, relatively affordable, and can even generate enough energy that it can be sold back to utility companies. However, the deployment of these rooftop solar panels also worsens the duck curve.

The more solar panels deployed to help the grid, the more the duck curve deepens because the panels are over-generating during off-hours and are unable to keep up with the peak hours when a ramp-up of electricity distribution is required. Without an efficient or effective way to store solar power and deploy it later, the grid ends up needing to curtail solar energy generation during off-peak hours, which cuts back on the overall benefits provided by solar panels.

More solar coverage from CNET: How to Avoid Solar Scams

This isn't an issue except for a few days in places with a lot of solar panels, such as California and Hawaii.

Solutions to the duck curve

While the duck curve does present a problem as we ramp up solar power in an effort to clean up our electricity generation, there are solutions that may be able to help mitigate and even eliminate the issues it poses. The biggest potential solution: the ability to store excess solar energy so it can be used during peak electricity demand.

There are a number of projects underway seeking to address this problem, and our storage capacity is improving. Because solar energy technology is getting cheaper, more research and funding is being directed toward storage solutions, and storage is expected to grow by five-fold by 2050. This will help utility companies not only generate solar power, but deploy it when it is needed most and counteract days when solar generation is lower.

The adoption of solar power technology bodes well for efforts to reduce reliance on fossil fuels. That doesn't mean that it won't come with its own challenges, but solar power is an important tool in making our electrical grid cleaner, safer, and more efficient. As storage technology improves, the duck curve will lessen and our grid should remain as reliable as ever while being significantly cleaner.

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Inflation, Interest Rates and Jobs: How Today's Economy Compares to Recessions of the Past

Inflation, Interest Rates and Jobs: How Today's Economy Compares to Recessions of the Past

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

There's still debate about whether the US economy is officially headed into a recession, but the economic downturn is causing widespread stress.

Why it matters

Periods of financial volatility and market decline can drive people to panic and make costly mistakes with their money.

What's next

Examining what's happening now -- and comparing it with the past -- can help investors and consumers decide what to do next.

Facing the aftershocks of a rough economy in the first half of 2022, with sky-high inflation, rising mortgage rates, soaring gas prices and a bear market for stocks, leading indicators of a recession have moderated slightly in the past month. That could mean the economic downturn won't be as long or brutal as expected. 

Still, the majority of Americans are feeling the sting of rising prices and anxiety over jobs. The country has experienced two consecutive quarters of economic slowdown -- the barometer for measuring a recession -- even though the National Bureau of Economic Research hasn't made the "official" recession call.  

At a time like this, we should consider what happens in a recession, look at the data to determine whether we're in one and try to maintain some historical perspective. It's also worth pointing out that down periods are temporary and that, over time, both the stock market and the US economy bounce back. 

I don't mean to minimize the gravity and hardship of the times. But it can be useful to review how the economy has behaved in the past to avoid irrational or impulsive money moves. For this, we can largely blame recency bias, our inclination to view our latest experiences as the most valid. It's what led many to flee the stock market in 2008 when the S&P 500 crashed, thereby locking in losses and missing out on the subsequent bull market. 

"It's our human tendency to project the immediate past into the future indefinitely," said Daniel Crosby, chief behavioral officer at Orion Advisor Solutions and author of The Laws of Wealth. "It's a time-saving shortcut that works most of the time in most contexts but can be woefully misapplied in markets that tend to be cyclical," Crosby told me via email. 

Before you make a knee-jerk reaction to your portfolio, give up on a home purchase or lose it over job insecurity, consider these chart-based analyses from the last three decades. We hope this data-driven overview will offer a broader context and some impetus for making the most of your money today.

What do we know about inflation? 

Historical inflation rate by year

Macrotrends.net

Current conditions: The US is experiencing the highest rate of inflation in decades, driven by global supply chain disruptions, the injection of federal stimulus dollars and a surge in consumer spending. In real dollars, the 8.5% rise in consumer prices over the past year is adding about $400 more per month to household budgets. 

The context: Policymakers consider 2% per year to be a "normal" inflation target. The country's still experiencing over four times that figure. The 9.1% annual rate in July was the largest jump in inflation since 1980 when the inflation rate hit 13.5% following the prior decade's oil crisis and high government spending on defense, social services, health care, education and pensions. Back then, the Federal Reserve increased rates to stabilize prices and, by the mid-1980s, inflation fell to below 5%.

The upside: As overall inflation rates rise, the silver lining might be increased rates of return on personal savings. Bank accounts are starting to offer more attractive yields, while I bonds -- federally backed accounts that more or less track inflation -- are attracting savers, too. 

What's happening with mortgage rates? 

30-year fixed-rate mortgage averages in the US

Current conditions: As the Federal Reserve continues its rate-hike campaign to cool spending and try to tame inflation, the rate on a 30-year fixed mortgage has grown significantly. In June, the average rate jumped annually by nearly 3 percentage points to almost 6%. In real dollars, that means that after a 20% down payment on a new home (let's use the average sale price of $429,000), a buyer would roughly need an extra $7,300 a year to afford the mortgage. Since then, rates have cooled a bit, even dipping back down below 5%. What happens next with rates depends on where inflation goes from here.

The context: Three years ago, homebuyers faced similar borrowing costs and, at the time, rates were characterized as "historically low." And if we think borrowing money is expensive today, let's not forget the early 1980s when the Federal Reserve jacked up rates to never-before-seen levels due to hyperinflation. The average rate on a 30-year fixed-rate mortgage in 1981 topped 16%. 

The upside: For homebuyers, a potential benefit to rising rates is downward pressure on home prices, which could cause the housing market to cool slightly. As the cost to borrow continues to increase with mortgages becoming more expensive, homes could experience fewer offers and prices would slow in pace. In fact, nearly one in five sellers dropped their asking price during late April through late May, according to Redfin. 

On the flip side, less homebuyers mean more renters. Rent prices have skyrocketed, and housing activists are asking the White House to take action on what they call a "national emergency."

What about the stock market? 

Dow Jones Industrial Average stock market index for the past 30 years

Macrotrends.net

Current conditions: Year-to-date, the Dow Jones Industrial Average -- a composite of 30 of the most well-known US stocks such as Apple, Microsoft and Coca-Cola -- is about 8.5% below where it started in January. Relative to the broader market, technology stocks are down much more. The Nasdaq is off almost 19% since the start of the year. 

The benchmark S&P 500 stock index hit lows in June that marked a more than 20% drop from January, which brought us officially into a bear market. Since then, it's bounced back up a little, but some experts warn that a current bear market rally is at odds with expected earnings and we could see even lower stock prices in the near future.

The context: Stock price losses in 2022 are not nearly as swift and steep as what we saw in March 2020, when panic over the pandemic drove the DJIA down by 26% in roughly four trading days. The market reversed course the following month and began a bull run lasting more than two years, as the lockdown drove massive consumption of products and services tied to software, health care, food and natural gas. 

Prior to that, in 2008 and 2009, a deep and pervasive crisis in housing and financial services sank the Dow by nearly 55% from its 2007 high. But by fall 2009, it was off to one of its longest winning streaks in financial history. 

The upside: Given the cyclical nature of the stock market, now is not the time to jump ship.* "Times that are down, you at least want to hold and/or think about buying," said Adam Seessel, author of Where the Money Is. "Over the last 100 years, American stocks have been the surest way to grow wealthy slowly over time," he told me during a recent So Money podcast.

*One caveat: If you're closer to or living in retirement and your portfolio has taken a sizable hit, it may be worth talking to a professional and reviewing your selection of funds to ensure that you're not taking on too much risk. Target-date funds, a popular investment vehicle in many retirement accounts that auto-adjust for risk as you age, may be too risky for pre- or early retirees. 

What does unemployment tell us? 

US unemployment rates

Current conditions: The July jobs report shows the unemployment rate holding steady, slightly dropping to 3.5%. The Great Resignation of 2021, where millions of workers quit their jobs over burnout, as well as unsatisfactory wages and benefits, left employers scrambling to fill positions. However, that could be changing as economic challenges deepen: More job losses are likely on the horizon, and an increasing number of workers are concerned with job security. 

The context: The rebound in theunemployment rate is an economic hallmark of the past two years. But the ongoing interest rate hike may weigh on corporate profits, leading to more layoffs and hiring freezes. For context, during the Great Recession, in a two-year span from late 2007 to 2009, the unemployment rate rose sharply from about 5% to 10%. 

Today, the tech sector is one to watch. After benefiting from rapid growth led by consumer demand in the pandemic, companies like Google and Facebook may be in for a "correction." Layoffs.fyi, a website that tracks downsizing at tech startups, logged close to 37,000 layoffs in Q2, more than triple from the same period last year. 

The upside: If you're worried about losing your job because your employer may be more vulnerable in a recession, document your wins so that when review season arrives, you're ready to walk your manager through your top-performing moments. Offer strategies for how to weather a potential slowdown. All the while, review your reserves to see how far you can stretch savings in case you're out of work. Keep in mind that in the previous recession, it took an average of eight to nine months for unemployed Americans to secure new jobs.

§

What's happening

Home prices overall are up by 37% since March 2020.

Why it matters

Surging home prices and higher interest rates make monthly mortgage payments less affordable.

What's next

Rising mortgage rates will make borrowing money more expensive, which will lessen competition to buy homes and eventually flatten prices.

Home prices continued to skyrocket in March as buyers tried to stay ahead of rising mortgage rates. 

Prices increased by 20.6% this March compared to last year, according to the S&P CoreLogic Case-Shiller Indices, the leading measures of US home prices. This was the highest year-over-year increase in March for home prices in more than 35 years of data. Seven in 10 homes sold for more than their asking price, according to CoreLogic. 

Out of the 20 cities tracked by the 20-city composite index, Tampa, Phoenix and Miami saw the highest year-over-year gains in March. Tampa saw the greatest increase, with an almost 35% increase in home prices year-over-year. All 20 cities experienced double-digit price growth for the year ending in March.

The strongest price growth was seen in the south and southeast, with both regions posting almost 30% gains in March. Seventeen of the 20 metro areas also saw acceleration in their annual gains since February. 

"Those of us who have been anticipating a deceleration in the growth rate of US home prices will have to wait at least a month longer," said Craig Lazzara, managing director at S&P DJI, in the release. "The strength of the Composite indices suggests very broad strength in the housing market, which we continue to observe."

Since the start of the pandemic in March 2020, home prices overall are up by 37%. The current surge in home prices is a result of tight competition between buyers in a low-inventory market as they attempt to lock in lower mortgage rates before rates jump even higher throughout the year, as experts predict they will.

If you're considering buying a new home -- or are actively in the market -- the news isn't all bad. Interest rates are at their highest point in more than 40 years, and one potential benefit of that may, eventually, be downward pressure on home prices. As it becomes increasingly expensive to borrow money, fewer people will seek to do so, and homes for sale may receive fewer offers leading to, eventually, lower prices. In fact, nearly one in five sellers lowered their asking price during a four-week period in May and April, according to Redfin.

"Mortgages are becoming more expensive as the Federal Reserve has begun to ratchet up interest rates, suggesting that the macroeconomic environment may not support extraordinary home price growth for much longer," said Lazzara. "Although one can safely predict that price gains will begin to decelerate, the timing of the deceleration is a more difficult call."

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Stock Market Secrets: My Smartest Investment Tips After 16 Years of Reporting

Stock Market Secrets: My Smartest Investment Tips After 16 Years of Reporting

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

If there's one thing I've learned in all my years of reporting, it's this: The stock market is moody.

In 2006, I began a new role as a financial correspondent reporting from the trading floor of the New York Stock Exchange. My job was to make sense of why the market was up or down each day. I'd start out each morning interviewing mostly older, white male brokers who were in charge of buying and selling shares on behalf of large institutional investors. (Also true: I was required to wear closed-toe shoes and a blazer. The dress code then was strict and a bit ridiculous.) 

I learned if tech stocks slumped just after the market opened, it might have been due to lower-than-expected earnings the evening before from an industry giant like Apple. Any hint of turbulence in the tech sector induced panicked brokers to drop shares at the opening bell. 

The market doesn't actually reflect reality. It measures the moods and attitudes of people like the brokers I used to interview. 

"Today's stock prices aren't because of how businesses are performing today," said Matt Frankel, a certified financial planner and contributing analyst for The Motley Fool, in an email. "They are based on future expectations." 

That's the problem: Current prices serve as a gauge of investor confidence, but stock market predictions are, at best, educated guesses. And to further complicate matters, "the markets are not always correct," according to Liz Young, head of investment strategy at SoFi. 

Reporting from the floor of the NYSE during the May 2010 "flash crash," when major stock indices crashed and then partially rebounded within an hour. 

Screenshot/CNET

Sound discouraging? I hear you, but it's still worth investing. Here's why.

While the stock market represents an elite class of investors (the wealthiest 10% of Americans hold 89% of stocks), it has proven over time to be a reliable way to grow your money for anyone with the tools and information to try. And technology has made it cheaper and easier to access. Now, a whole new generation has the chance to start investing and building wealth. If you can afford your basic needs and have some emergency savings set aside, there's no better time than now to invest -- even if it's just $20 a month.

Of course, the stock market feels particularly risky right now and it's natural to want to safeguard your money when the economy is volatile. If you're on the fence about investing because you're worried about a recession, or you just don't feel comfortable taking financial risks right now, you're not alone. Over 40% of Americans surveyed earlier this spring said that the bear-market downswing made them too scared to invest. 

But waiting to invest is an even bigger risk. Here's what I know for sure about how to overcome worry and invest for success.   

The 'Right Time' to Invest Is Right Now

Yes, the market is risky. Yes, there will be more crashes. But there's a high probability that the market will recover, just like it bounced back (and then some) a few years after the 2007-09 global financial crisis.

"Things will get better again. They always do," as my friend David Bach, author of the New York Times bestselling book The Automatic Millionaire told me on my podcast So Money.

Sure, it's better to buy at a low price so that you can cash in later from as much appreciation, or compound interest, as possible. But since it's very hard to predict where prices will go, the "right time" to strike is often something we only realize in hindsight. Waiting to invest until the time feels right, when you think stocks have hit a "bottom," can set you up for more failure than success. 

Your time in the market is more important than timing the market. Lying low until stocks rebound just means you're going to pay more. Instead, invest consistently and continuously, and let compounding interest build. You'll buy the dips and the highs, but ultimately, over the years, you'll come out ahead. "If you're in your 30s, or your 40s, or your 50s, and you're not retiring in the next year or two, guess what? Everything's on sale," Bach said. 

For example, had your parents invested $1,000 in the year 1960, it would be worth close to $400,000 today. That's after a presidential assassination, multiple wars, a global pandemic and many recessions, including the Great Recession. If the past is any indicator of the future, it's proven that markets will eventually recuperate from a downturn, and that they have greater periods of growth than decline. 

Read more: Investing for Beginners

Diversification is your best tool against volatility and market tumbles. Investors who are more cautious could try US bonds, which are considered "safe haven" investments because they are backed by the Treasury and offer a predictable return. 

Right now, with inflation at 8.5%, Americans are flocking toward Series I Savings Bonds, a government-issued investment that's protected against inflation. I bonds have both a fixed rate and an inflation rate that's adjusted every six months. Right now, I bonds will deliver a 9.62% annualized interest rate, which means they'll get you higher guaranteed returns than any other federally backed bank account. 

Technology Makes Investing Cheaper and More Accessible

Investing can be unnecessarily complicated and exclusionary, and the financial industry as a whole can do a lot more to break down barriers to entry. Guests on my podcast So Money, especially women, people of color and young adults, have shared how they wish they'd learned about investing sooner. 

My advice? Lean on technology, as well as the proliferation of social media and podcasts, to gain better access and education. At CNET, we are big fans of robo-advisors, such as Wealthfront and Betterment, that provide low-cost portfolio management. There's no need to wait until you have $1 million in the bank, which is what some professional investment advisors require before working with clients. You can start with just a little cash. 

And whether you're a fan of TikTok, Instagram or YouTube, there are some reputable experts there offering free education. One cautionary tip: Be sure to check their backgrounds and ensure whomever you're following is not a salesperson disguised as an investment educator!

Read more: Investing Doesn't Have to Be Intimidating. Pros and Cons to Robo-Advisors

Once you're investing, embrace automation so you never go astray. Automating our savings or retirement contributions is a smart move that, honestly, saves us from ourselves. With money in our hands, it's much easier to spend than it is to save, but technology can automatically move that money into an account. We're more likely to save for our future if we're already enrolled in a company retirement plan as opposed to choosing to opt in with each paycheck. Start your contribution with the maximum employer-match rate and try to increase your contribution to 10% or even 15%. That could net you thousands of dollars more each year. 

Pro-tip: If you're saving for retirement, see if your plan provider will automatically increase your savings rate each year (60% of employers offer this feature, according to the American Benefits Council). 

For all other types of long-term investments such as a brokerage account or Roth IRA, create a calendar reminder at the beginning of the year or on your birthday to increase your contributions.

Read more: Need to Save for Retirement? This Is the Easiest Way

You may also be able to set your portfolio to auto-rebalance so that it adjusts and automatically scoops up more stocks after a down period in the market, which can give you the right balance of stocks and bonds in your portfolio. 

Auto-rebalancing is a feature many banks and brokerages offer to ensure your portfolio's allocation doesn't fall off-kilter, says David Sekera, chief US market strategist for MorningStar. For example, let's say you set up your portfolio to have an equal mix of stocks and bonds. A bear market like the one we're in now may reduce the weight of stocks and be too heavy with bonds. But an auto-rebalance can fix that by buying more stocks when prices are low again, according to Sekera. 

I've seen first-hand how market volatility is creating a lot of uncertainty, and I know why it's hard to feel confident about investing. But history shows that staying on the sidelines as an investor can be riskier than participating in the market and riding out the dips and highs. 

Getting into the market sooner rather than later can be one of the smartest decisions on the road to building personal wealth and economic security. Along the way, be mindful of your risk tolerance, stay diversified and rely on automation to help you stay the course.

---

Source

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'Paper Girls' Review: Newsies vs. Terminator, but Don't Mention 'Stranger Things'

'Paper Girls' Review: Newsies vs. Terminator, but Don't Mention 'Stranger Things'

There's a new streaming series about four walkie-talkie-toting 1980s teens, pedaling their bikes into action against fantastical goings-on.

Yes, I know. Sounds a lot like Stranger Things. But let's try to forget about Netflix's smash hit for a minute and give Amazon's entertaining new sci-fi show Paper Girls a chance.

Paper Girls is based on the award-winning comic by writer Brian K. Vaughan and artist Cliff Chiang, which began in 2015 and ran for 30 issues. All eight episodes of the first season began streaming on Prime Video in July.

The show begins in the wee small hours as Halloween 1988 draws to a close. Four 12-year-old paper delivery girls take to the darkened suburban streets to begin their round. Tough-talking Mac, shy new kid Erin, rich kid KJ and budding prodigy Tiffany have to contend with racists, bullies and drunks, but these everyday assholes pale into insignificance when the girls are caught up in a war between time travelers.

The first episode is thrillingly chaotic, with the sodium-yellow streetlights giving way to a roiling pink sky as the kids find themselves caught up in craziness and confusion. Their paper round spirals into escalating weirdness and action, with some genuine shocks building to a solid cliffhanger. It's all there: four engaging leads, an intriguing premise and some deliciously odd twists and turns.

The main strength of the show is the young cast as they're catapulted forward 30 years and are thrown around in time, facing themselves and their loved ones in years to come. Riley Lai Nelet and Fina Strazza are relatable as the unassuming underdog and sensitive scion of a wealthy family, while Camryn Jones shines later in the show as the team's sparky thinker. The standout throughout is Sofia Rosinsky, channeling Edward Furlong's rebellious juvenile delinquent from Terminator 2 with a combination of bravado and vulnerability.

The Terminator is probably the other big influence on the series, as a ruthless hunter infiltrates the suburbs to track down our time-displaced young heroines. As with all time travel stories, paradoxes and timelines soon get tangled, with the young newsies encountering their future selves (including comedian Ali Wong).

This is the key thing about Paper Girls: it's a coming-of-age story, using the sci-fi conceit of time travel to allow characters to see how they turned out and demand answers from the people they come to be. The older versions of the girls have as much to learn from their younger selves as the youngsters do from any adult, and it's a compelling way to explore these questions of what it means to grow up and take control of your life.

Or at least, the show comes pretty close. Later in the series one of the young cast meets their older self in an encounter that's bribing with conflict and revelation. But Wong is under-served in her appearance as an adult who just turns out to be a bit mediocre. A slightly disappointing life isn't really the stuff of drama, especially in a show when the other storyline is a frickin' guerrilla war between sci-fi commandos and laser-gun-toting fanatics jumping through time.

Paper Girls has enough twists and compelling characters to keep you involved, but the show does lose momentum after the eventful first episode. All too often the girls arrive in a new location and then just… go to bed. People need to sleep, sure, but scenes like this feel like intermissions when the momentum flags, even sapping the tension out of the pursuing hunter's approach. Paper Girls could do with more urgency and energy as the heroes fight both their enemies and their desire to get back to their home time (or not).

A lack of momentum isn't a problem that troubles Stranger Things, and Paper Girls will suffer by comparison with Netflix's hit show. But it's worth noting that Paper Girls is a different animal. Stranger Things is set in the 1980s because it's all about the '80s: the hair, the music, the clothes, Dungeons & Dragons -- the pop culture references are the point, as this retro nostalgia is a loving tribute to (and updating of) the movies and culture of that era. Paper Girls, however, starts in the 1980s so the kids can hop forward through their lives. There are some excellent vintage needledrops (if only it would do for New Order, Danzing or Echo and the Bunnymen what Stranger Things season 4 did for Kate Bush), but this isn't a show about the '80s specifically: it's a story about growing up told across the timeline of a life.

Paper Girls could do with a jolt of the energy that makes Stranger Things fizz. But set aside any comparisons and there's a lot to like about this twisty show, especially its winning young cast.

---

Source

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Stock Market Secrets: My Smartest Investment Tips After 16 Years of Reporting

Stock Market Secrets: My Smartest Investment Tips After 16 Years of Reporting

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

If there's one thing I've learned in all my years of reporting, it's this: The stock market is moody.

In 2006, I began a new role as a financial correspondent reporting from the trading floor of the New York Stock Exchange. My job was to make sense of why the market was up or down each day. I'd start out each morning interviewing mostly older, white male brokers who were in charge of buying and selling shares on behalf of large institutional investors. (Also true: I was required to wear closed-toe shoes and a blazer. The dress code then was strict and a bit ridiculous.) 

I learned if tech stocks slumped just after the market opened, it might have been due to lower-than-expected earnings the evening before from an industry giant like Apple. Any hint of turbulence in the tech sector induced panicked brokers to drop shares at the opening bell. 

The market doesn't actually reflect reality. It measures the moods and attitudes of people like the brokers I used to interview. 

"Today's stock prices aren't because of how businesses are performing today," said Matt Frankel, a certified financial planner and contributing analyst for The Motley Fool, in an email. "They are based on future expectations." 

That's the problem: Current prices serve as a gauge of investor confidence, but stock market predictions are, at best, educated guesses. And to further complicate matters, "the markets are not always correct," according to Liz Young, head of investment strategy at SoFi. 

Reporting from the floor of the NYSE during the May 2010 "flash crash," when major stock indices crashed and then partially rebounded within an hour. 

Screenshot/CNET

Sound discouraging? I hear you, but it's still worth investing. Here's why.

While the stock market represents an elite class of investors (the wealthiest 10% of Americans hold 89% of stocks), it has proven over time to be a reliable way to grow your money for anyone with the tools and information to try. And technology has made it cheaper and easier to access. Now, a whole new generation has the chance to start investing and building wealth. If you can afford your basic needs and have some emergency savings set aside, there's no better time than now to invest -- even if it's just $20 a month.

Of course, the stock market feels particularly risky right now and it's natural to want to safeguard your money when the economy is volatile. If you're on the fence about investing because you're worried about a recession, or you just don't feel comfortable taking financial risks right now, you're not alone. Over 40% of Americans surveyed earlier this spring said that the bear-market downswing made them too scared to invest. 

But waiting to invest is an even bigger risk. Here's what I know for sure about how to overcome worry and invest for success.   

The 'Right Time' to Invest Is Right Now

Yes, the market is risky. Yes, there will be more crashes. But there's a high probability that the market will recover, just like it bounced back (and then some) a few years after the 2007-09 global financial crisis.

"Things will get better again. They always do," as my friend David Bach, author of the New York Times bestselling book The Automatic Millionaire told me on my podcast So Money.

Sure, it's better to buy at a low price so that you can cash in later from as much appreciation, or compound interest, as possible. But since it's very hard to predict where prices will go, the "right time" to strike is often something we only realize in hindsight. Waiting to invest until the time feels right, when you think stocks have hit a "bottom," can set you up for more failure than success. 

Your time in the market is more important than timing the market. Lying low until stocks rebound just means you're going to pay more. Instead, invest consistently and continuously, and let compounding interest build. You'll buy the dips and the highs, but ultimately, over the years, you'll come out ahead. "If you're in your 30s, or your 40s, or your 50s, and you're not retiring in the next year or two, guess what? Everything's on sale," Bach said. 

For example, had your parents invested $1,000 in the year 1960, it would be worth close to $400,000 today. That's after a presidential assassination, multiple wars, a global pandemic and many recessions, including the Great Recession. If the past is any indicator of the future, it's proven that markets will eventually recuperate from a downturn, and that they have greater periods of growth than decline. 

Read more: Investing for Beginners

Diversification is your best tool against volatility and market tumbles. Investors who are more cautious could try US bonds, which are considered "safe haven" investments because they are backed by the Treasury and offer a predictable return. 

Right now, with inflation at 8.5%, Americans are flocking toward Series I Savings Bonds, a government-issued investment that's protected against inflation. I bonds have both a fixed rate and an inflation rate that's adjusted every six months. Right now, I bonds will deliver a 9.62% annualized interest rate, which means they'll get you higher guaranteed returns than any other federally backed bank account. 

Technology Makes Investing Cheaper and More Accessible

Investing can be unnecessarily complicated and exclusionary, and the financial industry as a whole can do a lot more to break down barriers to entry. Guests on my podcast So Money, especially women, people of color and young adults, have shared how they wish they'd learned about investing sooner. 

My advice? Lean on technology, as well as the proliferation of social media and podcasts, to gain better access and education. At CNET, we are big fans of robo-advisors, such as Wealthfront and Betterment, that provide low-cost portfolio management. There's no need to wait until you have $1 million in the bank, which is what some professional investment advisors require before working with clients. You can start with just a little cash. 

And whether you're a fan of TikTok, Instagram or YouTube, there are some reputable experts there offering free education. One cautionary tip: Be sure to check their backgrounds and ensure whomever you're following is not a salesperson disguised as an investment educator!

Read more: Investing Doesn't Have to Be Intimidating. Pros and Cons to Robo-Advisors

Once you're investing, embrace automation so you never go astray. Automating our savings or retirement contributions is a smart move that, honestly, saves us from ourselves. With money in our hands, it's much easier to spend than it is to save, but technology can automatically move that money into an account. We're more likely to save for our future if we're already enrolled in a company retirement plan as opposed to choosing to opt in with each paycheck. Start your contribution with the maximum employer-match rate and try to increase your contribution to 10% or even 15%. That could net you thousands of dollars more each year. 

Pro-tip: If you're saving for retirement, see if your plan provider will automatically increase your savings rate each year (60% of employers offer this feature, according to the American Benefits Council). 

For all other types of long-term investments such as a brokerage account or Roth IRA, create a calendar reminder at the beginning of the year or on your birthday to increase your contributions.

Read more: Need to Save for Retirement? This Is the Easiest Way

You may also be able to set your portfolio to auto-rebalance so that it adjusts and automatically scoops up more stocks after a down period in the market, which can give you the right balance of stocks and bonds in your portfolio. 

Auto-rebalancing is a feature many banks and brokerages offer to ensure your portfolio's allocation doesn't fall off-kilter, says David Sekera, chief US market strategist for MorningStar. For example, let's say you set up your portfolio to have an equal mix of stocks and bonds. A bear market like the one we're in now may reduce the weight of stocks and be too heavy with bonds. But an auto-rebalance can fix that by buying more stocks when prices are low again, according to Sekera. 

I've seen first-hand how market volatility is creating a lot of uncertainty, and I know why it's hard to feel confident about investing. But history shows that staying on the sidelines as an investor can be riskier than participating in the market and riding out the dips and highs. 

Getting into the market sooner rather than later can be one of the smartest decisions on the road to building personal wealth and economic security. Along the way, be mindful of your risk tolerance, stay diversified and rely on automation to help you stay the course.

---

Source