![]() In the twins scenario, for example, the two parties to the contract might well use differing models allowing both to show substantial profits for many years. ![]() As a general rule, contracts involving multiple reference items and distant settlement dates increase the opportunities for counterparties to use fanciful assumptions. This substitution can bring on large-scale mischief. But often there is no real market (think about our contract involving twins) and “mark-to-model” is utilized. Those who trade derivatives are usually paid (in whole or part) on “earnings” calculated by mark-to-market accounting. But the parties to derivatives also have enormous incentives to cheat in accounting for them. That’s true because today’s earnings are in a significant way based on estimates whose inaccuracy may not be exposed for many years.Įrrors will usually be honest, reflecting only the human tendency to take an optimistic view of one’s commitments. Overstated earningsĪnother commonality of reinsurance and derivatives is that both generate reported earnings that are often wildly overstated. But most strategies of that kind leave you with residual liability. True, there are methods by which the risk can be laid off with others. ![]() In either industry, once you write a contract – which may require a large payment decades later – you are usually stuck with it. In fact, the reinsurance and derivatives businesses are similar: Like Hell, both are easy to enter and almost impossible to exit. It will be a great many years before we are totally out of this operation (though we reduce our exposure daily). We failed in our attempts to sell the operation, however, and are now terminating it.īut closing down a derivatives business is easier said than done. When we purchased Gen Re, it came with General Re Securities, a derivatives dealer that Charlie and I didn’t want, judging it to be dangerous. No problem – at a price, you will easily find an obliging counterparty. Or say you want to write a contract speculating on the number of twins to be born in Nebraska in 2020. At Enron, for example, newsprint and broadband derivatives, due to be settled many years in the future, were put on the books. The range of derivatives contracts is limited only by the imagination of man (or sometimes, so it seems, madmen). In the meantime, though, before a contract is settled, the counterparties record profits and losses – often huge in amount – in their current earnings statements without so much as a penny changing hands. Unless derivatives contracts are collateralized or guaranteed, their ultimate value also depends on the creditworthiness of the counterparties to them. Derivatives contracts are of varying duration (running sometimes to 20 or more years) and their value is often tied to several variables. If, for example, you are either long or short an S&P 500 futures contract, you are a party to a very simple derivatives transaction – with your gain or loss derived from movements in the index. Having delivered that thought, which I’ll get back to, let me retreat to explaining derivatives, though the explanation must be general because the word covers an extraordinarily wide range of financial contracts.Įssentially, these instruments call for money to change hands at some future date, with the amount to be determined by one or more reference items, such as interest rates, stock prices or currency values. An excerpt for that shareholder letter:Ĭharlie and I are of one mind in how we feel about derivatives and the trading activities that go with them: We view them as time bombs, both for the parties that deal in them and the economic system. One of my favorite gems is in the 2002 shareholder letter in which Buffett describes derivatives as ‘financial weapons of mass destruction’, carrying dangers that, while now latent, are potentially lethal. ![]() Each contains hidden gems of value investing wisdom. ![]() One of our favorite investors at The Acquirer’s Multiple is Warren Buffett.Īs a value investor, one of the most important free investing resources is Buffett’s Berkshire Hathaway shareholder letters. ![]()
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![]() Speak button - to start the speech service.ĭownload the starter project from here, uncompress and open the project. Segmented controls - to switch between the different voice options. Text view - to enter the text that we want to convert to audio. We will be creating a simple demo app with basic input controls. Make sure that billing is enabled for your project. Create a project (or use an existing one) in the Cloud Console. To setup a project in the Google Cloud Console, you can follow all the steps described here, except that this demo app requires an API key instead of a service account key. Before getting into the codeĪs with any Google Cloud API, the API has to be enabled on a project within the Google Cloud Console and all the API calls will be associated to that project. Even the “enhanced” voices, which the user has to download first, still sound pretty bad by today’s standards. We also provided some information about using this service in Expo-based projects and native projects.But Apple’s sound quality is very bad in comparison, it does not use Siri’s voice, it uses other robotic-sounding voices. Description: IFlyTek synthesized speech recognition sdk package, based on Linux, voice recognition and speech synthesis Cloud API for developers. ![]() In this article, we compared speech to text solutions - native ones and the Google Cloud Speech To Text. ![]() On Android there are also Pan and Volume: Tts.speak('Hello, world!', `, payload)Īwait createFile(path, dioContent) While configuring your voice you can set parameters like: You can choose from 281 voices in different languages on Android and 38 provided by Apple on iOS. This could be an issue if you want to create a chatbot that speaks its own voice. Android and iOS have different text to speech engines, so the selection of voices is different on each platform. The downside of this solution is the lack of consistency. What is the biggest advantage of this solution? Native text to speech engines on both platforms allow you to easily use this feature in your app, and, more importantly, enable you to use some of the voices without a network connection. It is very easy to set up and the library is ready to use with auto-linking from React-Native version 0.60+. ![]() The simplest way to implement Text to Speech functionality in React Native apps is by using the React-Native-TTS library. In this article, we present a comparison of native solutions for normal React Native apps, Expo ones, and the Rest API of Google Speech To Text. ![]() The biggest downside is support for React Native - while all of them have official iOS and Android SDKs, it’s really hard to find a library for React Native. This sample code can be edited to extract more. While the last one seems easier to implement, is reliable, and offers possibilities like using it without an internet connection, the “bigger” solutions are backed by machine learning and provide higher quality voices. Speech SDK Github Repository: Sample codes available in C, C++, Java, JavaScript, Objective-C, SWIFT, Python. There are many text to speech solutions on the market, starting from Google Cloud Text To Speech, Microsoft Azure Text To Speech, Amazon AWS Polly and finishing with natively implemented solutions for Android and iOS devices. ![]() ![]() ![]() If I can’t buy a “coming soon” vehicle, why is any buyer going to wait on a “coming soon” home that’s not yet for sale? However, the fact remains that I can purchase only what’s available for sale today. ![]() If I were going to buy a new car today, I could look online at the next updated car models, but what good would they be to me as a consumer if I need a car today? And car manufacturers have some of the best marketing strategies for “coming soon” vehicles - better certainly than the “coming soon” home marketing I have seen. Maybe we can look at “coming soon” listings in the same way we do open houses: They are a good way to show your seller that you have some marketing ideas, but the reality is that neither tactic will necessarily appeal to buyers. This brings me back to my point: It seems like a lot of fuss over nothing. A home that is not available for two to four weeks might be interesting, but why would a buyer who doesn’t even want to stop house hunting on Christmas Day wait on a “coming soon” listing? Waiting on a “coming soon” listing or an open house is not in the constitution of most buyers I have worked with! Here’s another question: If a listing is “coming soon,” how can buyers view it today? It might whet the buyers’ curiosity a bit, but if they can’t see quality photos of the home in a “coming soon” status, why should they care? Buyers want to see homes today. On the other hand, I will be able to get good high-resolution photos of the entire house when all projects are completed, the tools and debris are removed, and the property is ready to show! A listing put out prematurely might be better served by waiting until it is ready to sell. I know that if I put it out there when it’s 95 percent completed, it will hurt the listing. I can’t stress enough how critical both buyers and buyer’s agents can be of a new listing! I have an upcoming renovation listing for a seller right now that both he and buyers are dying to see on the market, but he is not 100 percent finished with it. Those photos showed new flooring, freshly painted walls stripped of outdated wallpaper and other improvements by the recent owner. New photos were uploaded when the house went from “coming soon” to active in the MLS. One “coming soon” listing showed photos on Zillow of a home that had been there for a few years, and those photos showed the house in a negative light. What I have seen, too, is that previously listed homes had older photos that will populate the listing again on Zillow, so you may have outdated photos that could be a detriment to the property. If we are representing the seller to the best of our ability, shouldn’t we put a maximum number of photos into a “coming soon” listing just as we would a listing that was active and available on the market? The most any listing has is 10 photos, which is hardly acceptable for true property marketing when we can input 25 to 36 photos in an MLS or. But how? Five out of the 10 “coming soon” listings in Georgia have only one photo. Now, many have argued that “coming soon” listings are good for sellers and listing agents. ![]() Looking at the entire state of Georgia, there are a grand total of 10 “coming soon” listings! The number of “coming soon” listings? One. For-sale-by-owner listings comprise 119 of the total. In Gwinnett County, Georgia, one of the larger counties in the state, there are 4,259 listings for sale on Zillow. It seems to me to be much ado about nothing. The subject is at more of a simmer than a boil right now, and we don’t see the emotion today that we did some months ago, but some are still debating whether there are merits to “coming soon,” whether the listings are worthwhile and beneficial, or whether “coming soon” is simply a marketing ploy. Ever since Zillow introduced its “coming soon” listings section a few months ago, people have been talking about these listings. ![]() ![]() There are a variety of characters and the plot progresses smoothly as you play. While exploring the large open area, you have complete freedom in how you wish to play the game. You can personalize your weaponry to your liking, and each mission can be approached uniquely. Conflicts between insane warlords and primitive rebels are common. Gameplayįar Cry 3 is an open-world first-person shooter set in the tropical rainforests, with danger lurking around every corner. He attempts to keep an eye out for his friends as they plan to depart the island together. ![]() He sets out to assist them in reclaiming their island from the pirate Vaas Montenegro and the privateer invader Hoyt Volker. Brody encounters the Rakyat, the island’s indigenous population. The entire groups of friends were on vacation when they got themselves into a sticky scenario. Jason Brody, a young American guy, is working tirelessly to save his imprisoned pals while also planning to escape from the dangerous Rook Islands. What is the game about?įar Cry 3 is set in the Rook Islands, a tropical Asian-Pacific archipelago. Far Cry 3 is a game with an open world that you can explore on the PlayStation 3, Xbox 360, and Microsoft Windows. ![]() This first-person shooter game was launched on November 29, 2012, in Australia, November 30, 2012, in the Republic of Ireland and Europe, and December 2, 2012, in North America. Ubisoft Montreal developed and Ubisoft released Far Cry 3, the third main installment in the Far Cry series. ![]() ![]() ![]() The controls, address and tab bar in Safari have been moved to the bottom of the screen. Safari’s redesign makes reaching the address bar and controls with one hand a lot easier. If you are being asked to pay for an update it is likely to be a scam. You will need to put the smartwatch on its charger to complete the update. Then open the Watch app and navigate to General > Software Update to begin the installation. WatchOS 8 requires an iPhone 6s or later to be running iOS 15 first. You can also install the update via a Mac or iTunes on a Windows computer. Tap install if available to download, verify and then reboot to install. Open the Settings app on an iPhone or iPad then navigate to General > Software Update. All Apple Watches from the 2017’s Series 3 or newer can install WatchOS 8. All Apple tablets from 2014’s iPad Air 2, 2015’s iPad mini 4, 2017’s iPad 5th Generation or newer can install iPadOS 15. Which devices can get it?Īll Apple smartphones from 2015’s iPhone 6S or newer, including the first-generation iPhone SE, can install iOS 15. Unlike other manufacturers, all eligible Apple devices will be able to download and install the update the moment it is released rather than in a staggered fashion. When can I get it?ĭownloads for iOS, iPadOS and WatchOS updates usually start at about 6pm UK time (1pm in New York 3am in Sydney). All rights reserved.Here’s what you need to know about the updates. Major League Baseball trademarks and copyrights are used with permission of MLB Advanced Media, L.P.Some features, applications and services may not be available in all regions or all languages. Available in English, Chinese, French, German, Italian, Japanese, Korean, Portuguese, Spanish and Ukrainian. Live Text photo search is available on iPhone with A12 Bionic and later. Available on iPhone 12 Pro, iPhone 13 Pro, iPhone 14 Pro, iPad Pro 12.9-inch (4th and 5th generation) and iPad Pro 11-inch (2nd and 3rd generation).Additional information is available on the labels of your medications, but please consult your healthcare provider prior to making any decisions related to your health. The Medications feature should not be used as a substitute for professional medical judgement.Matter accessories require an Apple TV or HomePod device as a home hub, and the Home app must be updated to the new architecture. Only Apple TV and HomePod are supported as home hubs. Sharing control of your home and receiving Home notifications require a home hub. It requires all Apple devices that access the home to be using the latest software. ![]()
![]() ![]() You can join the discussion on Hitman 3 PC players finally being able to import their Hitman 1 and 2 locations on the OC3D Forums. To help PC gamers import their Hitman 1 & 2 locations from Steam, IO Interactive have created a guide on their website that Hitman 3 players can follow. Today, IO Interactive have announced that they have finally allowed Hitman 1 and 2's Steam players to import their locations into Hitman 3's Epic Games Store version by allowing them to link their Steam and Epic Games account though their IO Interactive account. While Xbox and PlayStation users could enjoy this feature from day-1, PC games couldn't thanks to Hitman 3's Epic Games Store exclusivity, which prevented PC gamers from importing the locations from their Steam copies of Hitman 1 and 2. The version is apparently crashing on the first release, but IOI has an official issue tracking mechanism.One of the key features of Hitman 3 is that the game allows gamers to replay the missions of Hitman 1 & 2 with improved visuals and additional gameplay mechanics, effectively remastering the game's predecessors while also reducing the install size of the entire trilogy on PC and consoles. All three games have just been uploaded to PC. Luckily, the entire Hitman trilogy is currently a better deal, if you don’t do it alone, and you’re dependent on subscriptions to the entire trilogy. To be clear, the $13.99 Epic discount was available for anyone at the time, but those who reviewed the game on Steam clearly refuse to use the Epic app for one reason or another. Those who talk about gameplay mainly say it’s great, but decided to leave a general negative review due to its time on Epic and its price. While many things were being said about How Hitman 3 is packaged, in the fact that there was little information regarding the game itself, there were few negative reviews. A fan has even created an extensive flowchart to guide players to the edition they want. The minor anger also perpetuates the Hitman subreddit, where most of the top posts are about Hitman 3’s Steam price or its confusing editions. VR is currently on the top of the IOI’s known issues list, and a hotfix was deployed today to improve performance. ![]() Other people are disappointed in the limitations and a lack of performance from Hitman’s new VR mode. Numerous editions of the hitman 3 are confusing and under-explained, especially for those who simply want to transfer their Hitman 1/2 progress to Hitman 3 (and only buy the Standard edition and use the IOI’s progress transfer tool for that). Reviewers aren’t arguing about the price, though. Chris Button Febru2 minutes read PC Hitman players, ready your suit and piano wire all three games in the World of Assassination Trilogy can now be played in the one place. Nevertheless, in the past, numerous disgruntled steam buyers are still angry, with a lot of people saying that Hitman 3 was heavily discounted during Epic’s holiday saleit was available for $23.99, but one could cash in Epic’s free $10 coupons and get it for $13.99. Hitman 3 developer IO Interactive has now enabled PC players to import all content from Steam to Epic for free. “My positive review is swayed up into a year timed exclusivity agreement,” wrote CaptainSavvy. No discount in any game, no franchise sale, no discount on people who own H1 and H2 on Steam. You must earn 60 dollars for a football game that’s one year old. “The price tag is foolish considering that many of us have waited a whole year to get this to come on Steam, so we could see the entire trilogy on the same client”, says one negative review. Many reviewers also believe that a 1-year old game shouldn’t be fully priced regardless of the exclusivity of the game. Some call an increase in the price of the premiums a deserved gesture for the year to wait for the Steam version. Many reviewers have gotten angry with the announcement that there’s no discount to coincide with the Steam release, some say that Borderlands 3 has 50% off the steam release as a precedent. Hitman is $60 on Steam, the same price that he launched a year ago on Epic. Over half of the reviewers are negative, and the price is the common theme of these two. As of January 21, Hitman 3 has a “Mixed” rating on Steam, with 435 total reviews. You certainly should play that excellent game, but the initial reviews on Steam suggest that there is no other game. Some fans who waited for a year waited for the discount.Īfter an entire year of exclusivity on the Epic Games Store, Hitman 3 is out on the store most of us launched their games, Steam. ![]() ![]() ![]() There are also pop-ups that appear that I don't quite understand, perhaps to tell me how long until my next scheduled break? There seems to be a surprising lack of choices in the settings and lack of documentation to tell you what the few settings they provide actually do. It would be nice if you could use either the interval timer or the scheduled timer or both. ![]() ![]() Now that I have it, I realize that there is no way to shut off the interval timer (that I can find) - it will tell me I need to take a break every 90 min (max time you can set it for) and on top of that ask me to take my scheduled breaks. There are many break timers, and I just needed one that could be set to a particular time, not a particular interval. I'm a working mom who is nursing a baby and I wanted a to remember to take breaks at a particular time each day to go express milk. ILifeTouch making apps that make your life easier one day at a time. You may also remind yourself why you are taking a specific break.Ĭoffee Break is also available on your IOS devices. If you want to set up your day or night up in advance simply fill in your break schedule and Break Timer will do the rest, The second setting, which is how long you want the break to be will start counting down.Īfter the time for your break is up your computer lights up and you are back in control as if nothing happened. Set the time you want to take a break or schedule a time event or activity.Ī countdown clock will warn you that your screen will darken. ILifeTouch can make your life this simple. A mechanism that refuses to do anything else for you until you rest your eyes and grab some fresh air going for a walk. Imagine your Mac telling you with bold actions that you have been sitting in front of the screen too long or that you need a break to take the dog for a walk. We build apps that make your life easier one Coffee Break is now featured as a Staff favourite on the App Store! Along with great apps like Daily Expenses this break taking device is a perfect example of the apps iLifeTouch loves to build. ![]() ![]() ![]() There are many other useful features that make this tool the best for Instagram users. Also, The 4kStogram Cracked Download is compatible with Windows 11 and macOS Monterey latest features that helps you to download photos, videos, and stories from your friends’ public and private Instagram accounts. It offers an advanced and elegant way to use Instagram and download your favorite content from Instagram. This is an amazing software used as an Instagram Viewer and Downloader for Linux, Mac, and PC.
![]() There’s always a new experience waiting beyond the launcher. And to be real, this is why I personally still play. The already high replayability of Minecraft had increased exponentially. New food was added for them to grow, new features and structures for them to explore it was an excellent time to be a builder or a survivor. The new terrain allowed the hardcore survival players to have a new and fresh experience traversing the wild and crazy shaped mountains, or the lush rolling fields, which completely revitalized their experience. Your creativity was almost completely unbound. But you could build, and build, and build. There weren’t a lot of things to do in the game do besides survive and build. This creativity was part of the big draw people had to Minecraft. ![]() Everything was connected and notarized with sign blocks telling you where to go, and what path to take to get to where you wanted to be. Sprawling Viking villages, gigantic ships, a cathedral the size of mountains, underground temples - everything you could imagine was here in this world. He would eventually send me this world the culmination of almost six years of work put in from high school into college. So he just opted to work on it on this old, chunky laptop. He told me he had a Minecraft world and was afraid of losing it in a transfer. Eventually, I asked him what he was doing on that beat up old laptop - I knew he had a stronger one for work in his room. Every night I’d see him on an old laptop with his trackball mouse resting on his leg. Nice guy, really creative - which makes sense, as we were going to an art school. Let me digress to tell you just how influential Creative Mode was, because this is one of the critical factors that allows Minecraft to stand the test. The two big things that I can attribute to that were the addition of Creative Mode and a brand new terrain-spawning algorithm. However, that’s not what made the Beta the fan favorite that it would become. You suddenly had to eat to survive, which is realistic but sometimes limiting. Hunger is now a factor the reception is mixed. There’s a new logo, achievements, creative mode, weather, more trees, better lights, explosions, bubbles, strongholds, and villages. More everything? More everything sounds good! Then, all of a sudden, Beta hits. The Minecraft Alpha became available, and the game that we know today began to take shape. The Rise of MinecraftĪnd just like that, it started. Then came the survival test, which added in health, enemies, more blocks, TNT, and some enemies and NPCs that have since disappeared. The best thing about Classic Creative was the fact that walking caused your arms to flail about wildly. ![]() Then a bunch of new blocks were added, like ores, wools, flowers, gold, etc. You could create by yourself or with others and generally have a fun, creative time. There was a selection of blocks, and the ability to build. ![]() You see, Classic Creative was free on the web. I was but a child at the time, and that was when the addiction started. Then came the classic (and my introduction to the game). It’s bizarre to think that this very early pre-alpha proto-game would become a multimillion-dollar money printer. It wasn’t publically available, and it wasn’t anything special. The beginnings of Minecraft are humble: a small project by a man named Markus Persson, under the name Cave Game. But why is that? What makes Minecraft so unique when similar games with more in-game content disappear forever? We’re going to talk about what made everybody’s favorite cubic building game special, why it’s beloved to this day, and why it has the insane staying power that most indie devs can only dream of. Minecraft is like a phoenix t always seems to come back. 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