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海外TECH	Ars Technica	Kong gets some “minor augmentations” in latest Godzilla x Kong trailer	https://arstechnica.com/?p=2003458	Something is coming Something even they re afraid of	2024-02-15 17:16:40
海外TECH	AppleInsider - Frontpage News	'Napoleon' storms onto Apple TV+ in March	https://appleinsider.com/articles/24/02/15/napoleon-storms-onto-apple-tv-in-march?utm_medium=rss	The Apple Original box office hit Napoleon will premiere on Apple TV at the beginning of March Image Credit Apple Napoleon had a theatrical release in November just before Thanksgiving Apple had signed the order for the project in early back when it was still known as Kitbag The Apple Original depicts the life of Napoleon and how he became an emperor focusing on his tumultuous relationship with Josephine The film will also highlight Napoleon as a military leader and war visionary through its depictions of his famous battles Continue Reading on AppleInsider Discuss on our Forums	2024-02-15 17:39:08
海外TECH	Engadget	The 6 best budgeting apps to replace Mint in 2024	https://www.engadget.com/the-best-budgeting-apps-to-replace-mint-143047346.html?src=rss	If you haven t heard the popular budgeting app Mint is about to go away Parent company Intuit will shut down the service on March The company suggests folks migrate to its other personal finance app Credit Karma Mint had million active users as of according to Bloomberg and I m one of them I use the app to track all of my accounts in one place without having to log into too many disparate banking apps But I ve also used it to monitor my credit score stick to a monthly budget and set goals like building a rainy day fund or paying down my mortgage faster With that looking for a Mint alternative beyond Credit Karma became a top priority Intuit has not commented on whether it intends to fold Mint s budgeting features into Credit Karma but as it stands Credit Karma is not a Mint substitute It s meant to monitor your credit and Intuit hopes steer you toward credit cards and various other financial products I downloaded it spent some time with it and wasn t impressed So in addition I recently installed a good half dozen competing money apps to see if any might cut it as a permanent Mint replacement What follows is the guide I would have wanted to read a comparison of budgeting apps that promise to track your net worth and spending in one place I also pledge to update this guide as the various apps I tested continue to add more features and in some cases correct known bugs Join me as I fall down a rabbit hole How we tested First I had to do some research To find a list of apps to test I consulted trusty ol Google and even trustier Reddit read reviews of popular apps on the App Store and also asked friends and colleagues what budget tracking apps they might be using Some of the apps I found were free just like Mint These of course show loads of ads excuse me offers to stay in business But most of the available apps require paid subscriptions with prices typically topping out around a year or a month Spoiler My top pick is cheaper than that Since this guide is meant to help Mint users find a permanent replacement any services I chose to test needed to do several things import all of your account data into one place offer budgeting tools and track your spending net worth and credit score Except where noted all of these apps are available for iOS Android and on the web Once I had my shortlist of six apps I got to work setting them up For the sake of thoroughly testing these apps and remember I really was looking for a Mint alternative myself I made a point of adding every account to every tracking app no matter how small or immaterial the balance What ensued was a veritable Groundhog Day of two factor authentication Just hours of entering passwords and one time passcodes for the same banks half a dozen times over Hopefully you only have to do this once How to import your financial data from Mint If only importing data from Mint were as easy as entering your credentials from inside your new budgeting app and hitting import In fact any app that advertises the ability to port over your stats from Mint is just going to have you upload a CSV file of transactions and other data To download a CSV file from Mint do the following Sign into Mint com and hit Transactions in the menu on the left side of the screen Select an account or all accounts Scroll down and look for export number transactions in smaller print Your CSV file should begin downloading Note Downloading on a per account basis might seem more annoying but could help you get set up on the other side if the app you re using has you importing transactions one for one into their corresponding accounts The best Mint alternative Quicken Simplifi No pun intended but what I like about Quicken Simplifi is its simplicity Whereas other apps try to distinguish themselves with dark themes and customizable emoji Simplifi has a clean user interface with a landing page that you just keep scrolling through to get a detailed overview of all your stats These include your top line balances net worth recent spending upcoming recurring payments a snapshot of your spending plan top spending categories achievements and any watchlists you ve set up You can also set up savings goals elsewhere in the app I also appreciate how it offers neat almost playful visualizations without ever looking cluttered I felt at home in the mobile and web dashboards after a day or so which is faster than I adapted to some competing services I m looking at you YNAB and Monarch Getting set up with Simplifi was mostly painless I was particularly impressed at how easily it connected to Fidelity not all budget trackers do for whatever reason This is also one of the only services I tested that gives you the option of inviting a spouse or financial advisor to co manage your account One thing I would add to my initial assessment of the app having used it for a few months now I wish Simplifi offered Zillow integration for easily tracking your home value or at least a rough estimate of it Various competitors including Monarch Money and Copilot Money work with Zillow so clearly there s a Zillow API available for use As it stands Simplifi users must add real estate manually like any other asset Dana Wollman Engadget In practice Simplifi miscategorized some of my expenses but nothing out of the ordinary compared to any of these budget trackers As you re reviewing transactions you can also mark if you re expecting a refund which is a unique feature among the services I tested Simplifi also estimated my regular income better than some other apps I tested Most of all I appreciated the option of being able to categorize some but not all purchases from a merchant as recurring For instance I can add my two Amazon subscribe and saves as recurring payments without having to create a broad strokes rule for every Amazon purchase The budgeting feature is also self explanatory Just check that your regular income is accurate and be sure to set up recurring payments making note of which are bills and which are subscriptions This is important because Simplifi shows you your total take home income as well as an income after bills figure That number includes well bills but not discretionary subscriptions From there you can add spending targets by category in the planned spending bucket Planned spending can also include one time expenditures not just monthly budgets When you create a budget Simplifi will suggest a number based on a six month average Not dealbreakers but two things to keep in mind as you get started Simplifi is notable in that you can t set up an account through Apple or Google There is also no option for a free trial though Quicken promises a day money back guarantee The best Mint alternative runner up Monarch Money Monarch Money grew on me My first impression of the app which was founded by a former Mint product manager was that it s more difficult to use than others on this list including Simplifi NerdWallet and Copilot And it is Editing expense categories adding recurring transactions and creating rules for example is a little more complicated than it needs to be especially in the mobile app My advice Use the web app for fine tuning details Monarch also didn t get my income right I had to edit it Once you re set up though Monarch offers an impressive level of granularity In the budgets section you can see a bona fide balance sheet showing budgets and actuals for each category You ll also find a forecast for the year or by month And recurring expenses can be set not just by merchant but other parameters as well For instance while most Amazon purchases might be marked as shopping those for the amounts of or are definitely baby supplies and can be automatically marked as such each time not to mention programmed as recurring payments Weirdly though there s no way to mark certain recurring payments as bills specifically Dana Wollman Engadget Not long after I first published this story in December Monarch introduced a detailed reporting section where you can create on demand graphs based on things like accounts categories and tags That feature is available just on the web version of the app for now As part of this same update Monarch added support for an aggregator that makes it possible to automatically update the value of your car This combined with the existing Zillow integration for tracking your home value makes it easy to quickly add a non liquid asset like a vehicle or real estate and have it show up in your net worth graph The mobile app is mostly self explanatory The main dashboard shows your net worth your four most recent transactions a month over month spending comparison income month to date upcoming bills an investments snapshot a list of any goals you ve set and finally a link to your month in review That month in review is more detailed than most delving into cash flow top income and expense categories cash flow trends changes to your net worth assets and liabilities plus asset and liability breakdowns In February Monarch expanded on the net worth graph so that if you click on the Accounts tab you can see how your net worth changed over different periods of time including one month three months six months a year or all time On the main screen you ll also find tabs for accounts transactions cash flow budget and recurring Like many of the other apps featured here Monarch can auto detect recurring expenses and income even if it gets the category wrong They all do to an extent Expense categories are marked by emoji which you can customize if you re so inclined Monarch Money uses a combination of networks to connect with banks including Plaid MX and Finicity a competing network owned by Mastercard I have a quick explainer on Plaid the industry standard in this space toward the end of this guide As part of an update in late December Monarch has also made it easier to connect through those other two networks if for some reason Plaid fails Similar to NerdWallet I found myself completing two factor authentication every time I wanted to get past the Plaid screen to add another account Notably Monarch is the only other app I tested that allows you to grant access to someone else in your family ーlikely a spouse or financial advisor Monarch also has a Chrome extension for importing from Mint though really this is just a shortcut for downloading a CSV file which you ll have to do regardless of where you choose to take your Mint data Additionally Monarch recently launched investment transactions in beta It also says bill tracking and an overhauled goals system are coming soon Monarch hasn t provided a timeline for that last one except to say that the improved goals feature is coming in early The best up and comer Copilot Money Copilot Money might be the best looking budget tracker I tested It also has the distinction of being exclusive to iOS and Macs ーat least for now Andres Ugarte the company s CEO has publicly promised that Android and web apps are coming in more likely the second half of the year Ugarte tells me But until it follows through I can t recommend Copilot for most people with so many good competitors out there Copilot Money for Web and Android Thanks to the support from our users and the overwhelming positive reception we re seeing from folks migrating from Mint we can now say that we ll be building copilotmoney for Web and Android with a goal to launch in We ll continue to ーAndres Ugarte chuga November There are other features that Copilot is missing which I ll get into But it is promising and one to keep an eye on It s just a fast efficient well designed app and Android users will be in for a treat when they ll finally be able to download it It makes good use of colors emoji and graphs to help you understand at a glance how you re doing on everything from your budgets to your investment performance to your credit card debt over time In particular Copilot does a better job than almost any other app of visualizing your recurring monthly expenses Behind those punchy colors and cutesy emoji though is some sophisticated performance Copilot s AI powered Intelligence gets smarter as you go at categorizing your expenses You can also add your own categories complete with your choice of emoji It s not perfect Copilot miscategorized some purchases they all do but it makes it easier to edit than most On top of that the internal search feature is very fast it starts whittling down results in your transaction history as soon as you begin typing Dana Wollman Engadget Copilot is also unique in offering Amazon and Venmo integrations allowing you to see transaction details With Amazon this requires just signing into your Amazon account via an in app browser For Venmo you have to set up fwd copilot money as a forwarding address and then create a filter wherein emails from venmo venmo com are automatically forwarded to fwd copilot money Like Monarch Money you can also add any property you own and track its value through Zillow which is integrated with the app While the app is heavily automated I still appreciate that Copilot marks new transactions for review It s a good way to both weed out fraudulent charges and also be somewhat intentional about your spending habits Like Monarch Money Copilot updated its app to make it easier to connect to banks through networks other than Plaid As part of the same update Copilot said it has improved its connections to both American Express and Fidelity which again can be a bugbear for some budget tracking apps In an even more recent update Copilot added a Mint import option which other budgeting apps have begun to offer as well Because the app is relatively new it launched in early the company is still catching up to the competition on some table stakes features Ugarte told me that his team is almost done building out a detailed cash flow section which could launch before the end of but more likely in early On its website Copilot also promises a raft of AI powered features that build on its current Intelligence platform the one that powers its smart expense categorization These include smart financial goals natural language search a chat interface forecasting and benchmarking That benchmarking Ugarte tells me is meant to give people a sense of how they re doing compared to other Copilot users on both spending and investment performance Most of these features should arrive in the new year Copilot does a couple interesting things for new customers that distinguish it from the competition There s a demo mode that feels like a game simulator no need to add your own accounts The company is also offering two free months with RIPMINT ーa more generous introductory offer than most When it finally does come time to pony up the monthly plan is cheaper than some competing apps although the a year option is in the same ballpark The best free budgeting app NerdWallet You may know NerdWallet as a site that offers a mix of personal finance news explainers and guides I see it often when I google a financial term I don t know and sure enough it s one of the sites I m most likely to click on As it happens NerdWallet also has the distinction of offering one of the only free budget tracking apps I tested In fact there is no paid version nothing is locked behind a paywall The main catch There are ads everywhere To be fair the free version of Mint was like this too Even with the inescapable credit card offers NerdWallet has a clean easy to understand user interface which includes both a web and a mobile app The key metrics that it highlights most prominently are your cash flow net worth and credit score Of note although Mint itself offered credit score monitoring most of its rivals do not I particularly enjoyed the weekly insights which delve into things like where you spent the most money or how much you paid in fees ーand how that compares to the previous month Because this is NerdWallet an encyclopedia of financial info you get some particularly specific category options when setting up your accounts think a Roth or non Roth IRA Dana Wollman Engadget As a budgeting app NerdWallet is more than serviceable if a bit basic Like other apps I tested you can set up recurring bills Importantly it follows the popular budgeting rule which has you putting of your budget toward things you need toward things you want and the remaining into savings or debt repayments If this works for you great ーjust know that you can t customize your budget to the same degree as some competing apps You can t currently create custom spending categories though a note inside the dashboard section of the app says you ll be able to customize them in the future You also can t move items from the wants column to needs or vice versa but In the future you ll be able to move specific transactions to actively manage what falls into each group A NerdWallet spokesperson declined to provide an ETA though Lastly it s worth noting that NerdWallet had one of the most onerous setup processes of any app I tested I don t think this is a dealbreaker as you ll only have to do it once and hopefully you aren t setting up six or seven apps in tandem as I was What made NerdWallet s onboarding especially tedious is that every time I wanted to add an account I had to go through a two factor authentication process to even get past the Plaid splash screen and that s not including the FA I had set up at each of my banks This is a security policy on NerdWallet s end not Plaid s a Plaid spokesperson says Precisely because NerdWallet is one of the only budget trackers to offer credit score monitoring it also needs more of your personal info during setup including your birthday address phone number and the last four digits of your social security number It s the same with Credit Karma which also does credit score monitoring Related to the setup process I found that NerdWallet was less adept than other apps at automatically detecting my regular income In my case it counted a large one time wire transfer as income at which point my only other option was to enter my income manually which is slightly annoying because I would have needed my pay stub handy to double check my take home pay Budgeting apps we also tested YNAB YNAB is by its own admission different from anything you ve tried before The app whose name is short for You Need a Budget promotes a so called zero based budgeting system which forces you to assign a purpose for every dollar you earn A frequently used analogy is to put each dollar in an envelope you can always move money from one envelope to another in a pinch These envelopes can include rent and utilities along with unforeseen expenses like holiday gifts and the inevitable car repair The idea is that if you budget a certain amount for the unknowns each month they won t feel like they re sneaking up on you Importantly YNAB is only concerned with the money you have in your accounts now The app does not ask you to provide your take home income or set up recurring income payments although there is a way to do this The money you will make later in the month through your salaried job is not relevant because YNAB does not engage in forecasting The app is harder to learn than any other here and it requires more ongoing effort from the user And YNAB knows that Inside both the mobile and web apps are links to videos and other tutorials Although I never quite got comfortable with the user interface I did come to appreciate YNAB s insistence on intentionality Forcing users to draft a new budget each month and to review each transaction is not necessarily a bad thing As YNAB says on its website Sure you ve got pie charts showing that you spent an obscene amount of money in restaurants ーbut you ve still spent an obscene amount of money in restaurants I can see this approach being useful for people who don t tend to have a lot of cash in reserve at a given time or who have spending habits they want to correct to riff off of YNAB s own example ordering Seamless four times a week My colleague Valentina Palladino knowing I was working on this guide penned a respectful rebuttal explaining why she s been using YNAB for years Perhaps like her you have major savings goals you want to achieve whether it s paying for a wedding or buying a house I suggest you give her column a read For me though YNAB s approach feels like overkill PocketGuard PocketGuard is one of the only reputable free budget trackers I found in my research Just know it s far more restricted at the free tier than NerdWallet or Mint In my testing I was prompted to pay after I attempted to link more than two bank accounts So much for free unless you keep things simple with one cash account and one credit card When it comes time to upgrade to PocketGuard Plus you have three options pay a month a year or for a one time lifetime license That lifetime option is actually one of the few unique selling points for me I m sure some people will appreciate paying once and never having to uh budget for it again From the main screen you ll see tabs for accounts insights transactions and the Plan which is where you see recurring payments stacked on top of what looks like a budget The main overview screen shows you your net worth total assets and debts net income and total spending for the month upcoming bills a handy reminder of when your next paycheck lands any debt payoff plan you have and any goals Dana Wollman Engadget Like some other apps including Quicken Simplifi PocketGuard promotes an after bills approach where you enter all of your recurring bills and then PocketGuard shows you what s left and that s what you re supposed to be budgeting your disposable income Obviously other apps have a different philosophy take into account all of your post tax income and use it to pay the bills purchase things you want and maybe even save a little But in PocketGuard it s the in your pocket number that s most prominent To PocketGuard s credit it does a good job visualizing which bills are upcoming and which ones you ve already paid PocketGuard has also publicly committed to adding some popular features in early These include rollover budgeting in January categorization rules in February and shared household access in March Dana Wollman Engadget Although PocketGuard s UI is easy enough to understand it lacks polish The accounts tab is a little busy and doesn t show totals for categories like cash or investments Seemingly small details like weirdly phrased or punctuated copy occasionally make the app feel janky More than once it prompted me to update the app when no updates were available The web version meanwhile feels like the mobile app blown up to a larger format and doesn t take advantage of the extra screen real estate Of note although PocketGuard does work with Plaid its primary bank connecting platform is actually Finicity Setting up my accounts through Finicity was mostly a straightforward process I did encounter one hiccup Finicity would not connect to my SoFi account I was able to do it through Plaid but PocketGuard doesn t make it easy to access Plaid in the app The only way as far as I can tell is to knowingly search for the name of a bank that isn t available through Finicity at which point you get the option to try Plaid instead Like I said the experience can be janky What is Plaid and how does it work Each of the apps I tested uses the same underlying network called Plaid to pull in financial data so it s worth explaining in its own section what it is and how it works Plaid was founded as a fintech startup in and is today the industry standard in connecting banks with third party apps Plaid works with over financial institutions across the US Canada and Europe Additionally more than third party apps and services rely on Plaid the company claims To be clear you don t need a dedicated Plaid app to use it the technology is baked into a wide array of apps including the budget trackers I tested for this guide Once you find the add an account option in whichever one you re using you ll see a menu of commonly used banks There s also a search field you can use to look yours up directly Once you find yours you ll be prompted to enter your login credentials If you have two factor authentication set up you ll need to enter a one time passcode as well As the middleman Plaid is a passthrough for information that may include your account balances transaction history account type and routing or account number Plaid uses encryption and says it has a policy of not selling or renting customer data to other companies However I would not be doing my job if I didn t note that in Plaid was forced to pay million to consumers in a class action suit for collecting more financial data than was needed As part of the settlement Plaid was compelled to change some of its business practices In a statement provided to Engadget a Plaid spokesperson said the company continues to deny the allegations underpinning the lawsuit and that the crux of the non financial terms in the settlement are focused on us accelerating workstreams already underway related to giving people more transparency into Plaid s role in connecting their accounts and ensuring that our workstreams around data minimization remain on track My top Mint alternative picks Quicken Simplifi and Copilot Money To conclude you might be wondering what app I decided on for myself after all of this research The answer is actually two apps Quicken Simplifi my overall top pick and Copilot Money For now I am actively using both apps and still deciding long term which I feel more comfortable with I tend to prefer Copilot s fast colorful user interface but as I explained above it s too lacking in table stakes features for me to go so far as to name it the best overall option This article originally appeared on Engadget at	2024-02-15 17:45:25
海外TECH	Engadget	The Morning After: Mark Zuckerberg thinks the Quest 3 is much better than the Vision Pro	https://www.engadget.com/the-morning-after-mark-zuckerberg-thinks-the-quest-3-is-much-better-than-the-vision-pro-121503056.html?src=rss	Meta chief Mark Zuckerberg has posted his own review of Apple s Vision Pro on Instagram coming inexplicably for our jobs here at Engadget In a video shot direct from a Meta Quest oh of course Zuckerberg didn t mince his words He said he expected the Quest to be the better value for most people because it s quot like seven times less expensive quot than the Vision Pro Eventually he concluded that the Quest was the better product period quot Zuckerberg thinks the Quest is quot a lot more comfortable quot noting that the headset s field of view is wider and has a brighter display than the Vision Pro He added that the Quest had a bigger library Meta s Quest unlike the Vision Pro has access to the YouTube and Xbox apps And that s definitely a fair criticism All in all two out of five Zucks Don t forget to like and subscribe ーMat SmithThe biggest stories you might have missedX let terrorist groups pay for verification report saysAmazon knocks off the Apple AirPods MaxAn earnings typo sent Lyft s stock price into the stratosphereMario vs Donkey Kong is an odd eye catching ode to simpler times You can get these reports delivered daily direct to your inbox Subscribe right here A piracy app outranked Netflix on the App Store before Apple pulled itKimi gave viewers access to pirated shows and movies An app called Kimi curiously outranked well known streaming services like Netflix and Prime Video in the App Store s list of top free entertainment apps this week Now Apple has pulled it probably because it gave users access to pirated movies Kimi was disguised as an app that tests your eyesight by making you play spot the difference between similar photos In reality it was packed with bootlegged shows and movies If anyone remembers the heyday of pirated movies on slow internet connections you got to relive the variable video quality of yesteryear Continue reading Walmart might buy budget TV maker VizioThis could make the retail giant a formidable rival to Amazon and Roku Justin Sullivan via Getty ImagesWalmart might buy budget TV maker Vizio The rumored billion deal would make Vizio a house brand for the retailer and would allow the company to compete directly in the affordable smart TV space currently dominated by Amazon and Roku Vizio has been eyeing up buyers for years It was nearly purchased by Chinese media conglomerate LeEco back in which was another billion deal but that fell through If the purchase happens Walmart would also have access to all of that sweet sweet customer data collected by Vizio s smart TV platform Continue reading Can geoengineering stop the ice caps from melting We re not ready for what s coming Getty ImagesSince Arctic ice has shrunk by million square miles and Antarctic ice is now at the lowest level since records began Frozen Arctic a report produced by the universities of the Arctic and Lapland alongside UN backed thinktank GRID Arendal collates sixty geoengineering projects that could slow down or reverse polar melting A team of researchers examined every idea from those already in place to the ones at the fringes of science Daniel Cooper breaks down some of the possible solutions Continue reading This article originally appeared on Engadget at	2024-02-15 17:25:12
科学	NYT > Science	SpaceX Launches Intuitive Machines Nova-C Moon Lander	https://www.nytimes.com/2024/02/14/science/spacex-launch-moon-lander-intuitive.html	A SpaceX rocket lifted the spacecraft which was built by Intuitive Machines of Houston to carry cargo for NASA and other customers to the lunar surface	2024-02-15 17:47:27
科学	NYT > Science	Jeff Koons Sculptures Hitch Ride on SpaceX Rocket to the Moon	https://www.nytimes.com/2024/02/15/arts/design/jeff-koons-spacex-moon-rocket.html	The artist has packed stainless steel sculptures of the moon inside a lunar lander headed into space	2024-02-15 17:50:32
科学	NYT > Science	Chocolate Chip Ice Cream Has Fallen Out of Favor	https://www.nytimes.com/2024/02/15/business/chocolate-chip-ice-cream.html	Chocolate chip ice cream once a year round staple has fallen out of favor	2024-02-15 17:29:35