Trending December 2023 # Apple Clamping Down On In # Suggested January 2024 # Top 17 Popular

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Apple is making the move to have more control over App Store apps that utilize “in-app” purchases. The Sony Reader app was recently declined from App Store approval due to Apple’s new stance on in-app transactions.

Until now, developers were able to sell content with in-app purchases through their own payment infrastructure. Apple has now made the stance that all in-app purchases must go through the Apple payment system, which in turn would give Apple a 30% cut off the top of sales.

This marks a shift from Apple’s previous claim to want a more collaborative relationship with content producers who want to manage in-app purchases through their own backend…

In case you’re unfamiliar, “in-app” purchasing is a feature that Apple added to the iPhone back in 2009. This feature allows developers to charge for extra, optional content in their app.

In Sony’s case, their e-book app was shot down by Apple because it allowed the user to buy a book from Sony’s online store without using Apple’s payment infrastructure.

The New York Times reports,

“Steve Haber, president of Sony’s digital reading division, said on Monday that Apple had told his company that from now on, all in-app purchases would have to go through Apple.

“It’s the opposite of what we wanted to bring to the market,” Mr. Haber said. “We always wanted to bring the content to as many devices as possible, not one device to one store.”

Apple isn’t taking an prisoners with their new stance,

“Apple is now saying the app makers must allow those purchases to happen within the app, not in a separate browser window, with Apple getting its standard 30 percent cut of the transaction. At the moment this applies only to e-book purchases.”

Lots of gaming platforms and news distributors use in-app purchases for paid upgrades and additional content. Apple is not getting rid of in-app purchasing, only enforcing the stipulation that all purchases go through their payment system,

“We have not changed our developer terms or guidelines,” Trudy Muller, an Apple spokeswoman, said Tuesday. “We are now requiring that if an app offers customers the ability to purchase books outside of the app, that the same option is also available to customers from within the app with in-app purchase.”

Apple has always been a company that’s about the bottom line. The 30% cut that Apple gets from all App Store sales is a huge part of its revenue. It’s no surprise that the company would eventually tighten restrictions on payment-related features like in-app purchasing.

A quoted reference from the New York Times says it best,

“This sudden shift perhaps tells you something about Apple’s understanding of the value of its platform,” said James L. McQuivey, a consumer electronics analyst at Forrester Research. “Apple started making money with devices. Maybe the new thing that everyone recognizes is the unit of economic value is the platform, not the device.”

Does it bother you that Apple takes such a controlling stance on the way the App Store operates? Shouldn’t develepors have a little room to use their own payment backends for in-app purchasing? The sad thing is that Apple will most likely bulldoze this new policy, and develepors will have to just go along with it like normal.

[via The New York Times]

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How To Slow Down A Video On Snapchat

With the inception of smartphones and mobile applications, a lot of the tools that gave professional cameras a superior edge over its mobile counterparts have shifted to the other side of the camp. You can now professionally perform almost any kind of editing to your photos and videos from your mobile device and one of them involves being able to create slow-motion videos.

Not only can you shoot slow-motion videos from your device but you can also edit your videos to have a slowed-down effect after you’ve shot them. If you’re someone who uses Snapchat, then it’ll be easier for you to slow down videos to post them to your stories as the app features Speed Modifiers for the videos that are available in your gallery.

The following guide will help you slow down a video on Snapchat so that you can create fun slow-motion videos and share it to your friends and family on Snapchat.

Method 1: Using Snapchat

The following method can be used to slow down an already captured video from directly within Snapchat.

Step 1: Open Snapchat and tap on the gallery button below the Shutter icon.

Step 2: If the video was captured using Snapchat, select the Snaps tab at the top. Otherwise, tap on the Camera Roll tab.

Step 3: Select the video you want to create the slowed-down effect on.

Step 4: Once the video open in full screen, tap on the 3-dot icon at the top right, and select the ‘Edit Snap’ option from the popup menu.

This will open the video editing screen with options to add stickers and filters to the selected video.

Step 5: In this screen, swipe from left to right to change filters, one of which will feature a ‘Snail’ icon. Select this filter to apply the slow-motion effect on the video.

Step 6 (Optional): You can perform other editions to the video by using any of the tools on the right side of the screen like crop, cut, stickers, text, and sketch.

Step 7: Tap on the ‘Send to’ button on the bottom right to share the slowed-down video to your friends on Snapchat.

Method 2: Using Slow Motion Video FX

Since Snapchat allows only one setting for its slow-motion videos, you might want to use another app for slowing down videos and sharing them on Snapchat. In this guide, we’re using the Slow Motion Video FX app which is pretty straightforward in the way it works. We selected the app for one neat reason and it is that you can select how slow you want the video to be.

Step 1: Download and install the Slow Motion Video FX app from Google Play. Once the app is installed, open it.

Step 2: Tap on the ‘Start Slow motion’ option on the home screen and select ‘Choose movie’.

Option A: Slow down the entire video

Step 3A: When the gallery opens, select the video that you want to slow down and tap on Simple.

Step 4A: Here, you can select the speed you want the video to switch to by sliding through the speed adjustment slider. You can manually choose any speed between 0.25 and 1.00 to make a slow-motion effect on the video. Selecting a value above 1 will fasten the video.

Step 5A: Once the slowed-down video is ready, tap on the Save button at the top right and then select Start Processing.

Step 6A: Once the slow-motion video is fully rendered, you can share the video on Snapchat by tapping on the hamburger icon, then tapping the Share icon, and selecting Snapchat from the Share menu.

Option B: Slow down sections of the video

Step 3B: After Step 2, select the video that you want to slow down and tap on Advanced.

Step 4B: To change speeds of certain parts in the video, select the points according to the speed you want them to run on. Customize the slow-motion effect by considering the following options:

Slide all four points on the graph below the half-way line to slow down the entire video.

Select the start and end points that are positioned on the extreme left and extreme right. In addition to selecting the speed for the start and end points, you can use them to cut out unwanted sections of the video at the start or at the end.

Slide the two points in the middle below the half-way line and keep them at different speeds (anywhere between 0.25 and 1) to give different sections of the video different slow-motion effects.

Step 5B: Once the slowed-down video is ready, tap on the Save button at the top right, and then select Start Processing.

Step 6B: Once the slow-motion video is fully rendered, you can share the video on Snapchat by tapping on the hamburger icon, then tapping the Share icon, and selecting Snapchat from the Share menu.

Did the above guide help you slow down videos on Snapchat? Let us know what you often do to create slow-motion videos when sharing on Snapchat.

Mortgage Rate Lock Float Down

Mortgage Rate Lock Float Down

A mortgage rate lock that gives the borrower the option to reduce the interest rate on their mortgage if the market interest rates fall during a specified period

Written by

CFI Team

Published July 16, 2023

Updated July 7, 2023

What is a Mortgage Rate Lock Float Down?

Mortgage Rate Lock Float Down Structure

Here are the basic mechanics behind a mortgage rate lock float down:

1. The lender provides a baseline for how much rates must fall 2. Integrated renegotiation fee

Some lenders will charge a loan percentage amount for the float down option. For example, a lender may charge an individual 1% on a $500,000 loan to exercise the float down option. If the individual opts to exercise the float down option, they would need to pay an additional $5,000 (1% of $500,000) to the lending institution.

3. No change to mortgage lock expiration date

A borrower is required to either exercise or void the float down option before closing. Many lenders make it explicitly clear that they are not able to extend the lock period for the float down, even if your closing date is extended.

4. You must ask the lender for a float down

The float down option is not automatically executed. A borrower must request the option be exercised, whether in person, over the phone, or through email.

5. Prior conditional loan approval may be required

Some lenders require that a borrower received approval on a previous loan to acquire the float down option. Also, a lender will usually reserve the right to review a borrower’s credit, income, and assets before assigning the float down option.

Advantages of a Mortgage Rate Lock Float Down 1. Advantages of falling rates

A float down option provides the opportunity for a borrower to effectively low their mortgage costs if rates fall.

2. Protection from rising rates

If mortgage rates rise, a mortgage rate lock float down will provide downside protection to the borrower.

Limitations of a Mortgage Rate Lock Float Down

Some limitations of a mortgage rate lock float down include:

1. Payment is required even if it is unused

The borrower will still be required to pay any fees associated with the float down option, even if they do not end up exercising it.

2. Speculative in nature Practical Example

Below are the terms of the borrower’s mortgage agreement:

Locked rate of 4.5% for 30 years.

The borrower must pay a fixed $1,000 fee to exercise the float down option.

The float down rate is set at 4.25%.

If, before closing, the mortgage rate falls to or below 4.25%, the individual will have the option to lock in the new lower rate. It may not sound like a large difference, but if the loan amount is $5,000,000, then it makes a huge difference:

$5,000,000 at 4.5% means an individual would need to pay $9,120,334 over the life of the loan.

$5,000,000 at 4.25% means an individual would need to pay $8,854,920 over the life of the loan.

More Resources

CFI offers the Commercial Banking & Credit Analyst (CBCA)™ certification program for those looking to take their careers to the next level. To keep learning and developing your knowledge base, please explore the additional relevant resources below:

How To Share Playlists In Apple Music On Iphone & Ipad

Apple Music allows you to create, manage and share your playlists with other users, similar to any other major music streaming platform that’s available today. If you are an avid music listener, then there’s a pretty good chance that you have already curated some playlists on your iPhone or iPad, and you might want to share those Apple Music playlists with other people too.

Mastering the art of playlist curation is no easy task as it requires a lot of patience and effort to keep your playlists constantly updated as your music preferences change with time. Regardless, it can be key when it comes to organizing all the songs in your music library and what you want to listen to.

If you’re an Apple Music user who’s pretty good at curating playlists, you might be interested in sharing one or more of your playlists with your friends to impress them. In this tutorial we’ll be discussing exactly how you can share playlists in Apple Music on your iPhone or iPad with friends, family, coworkers, or other people.

How to Share Playlists in Apple Music on iPhone & iPad

Although you don’t need to be an Apple Music subscriber to create and manage playlists on your iPhone or iPad, you will need to pay for the service if you ever want to share your playlists with your friends. So, if you’ve already subscribed to the service, simply follow the steps below to learn how to share a playlist.

In the “Playlists” menu, tap on any playlist that you want to share, similar to how we’ve indicated in the screenshot below.

Here, tap on the “triple-dot” icon which is located right above the toggle for shuffle.

The “More” menu will pop up from the bottom of your screen. Simply tap on “Share”.

Now, you’ll notice the option to share your playlist with other iOS users via AirDrop or send your playlist URL on other social networking and messaging platforms.

Additionally, if you’re looking to show off the playlist on your Apple Music profile for your followers to see, simply tap “Edit” at the top-right corner of the screen.

Tap once on the toggle right next to “Show on My Profile and in Search” for making your playlist visible on your profile. Now, just tap “Done” to confirm your action.

That’s pretty much all you need to do in order to share your Apple Music playlists with your friends and other users.

The recipient who receives your shared playlist must also be subscribed to the Apple Music streaming service in order to playback the full song. However, if they aren’t a subscriber, they can still listen to a 30-second preview of each and every song in the playlist, which in most cases should be good enough to get a rough idea of the song.

Considering how Apple is pursuing the idea of socializing music and “Music + Friends” perhaps to compete against the likes of Spotify, we might expect Apple to add more features to the Friends section in the music app down the line. As of now, you’re limited to being able to see what your friends are listening to, view their shared playlists, and following your contacts though.

So, create a playlist in Apple Music and share it away! Curate a great playlist of hits and pass it around, enjoy the music and share that enjoyment with others thanks to the Apple Music service.


Are Browser Extensions Slowing You Down?

There are a few different reasons why your browser might be starting up or loading pages more slowly than usual – you have three million tabs open right now, don’t you? But browsers out of the box should work pretty well across machines. If you use a bunch of extensions, however, you’re changing the memory/CPU footprint of your browser and possibly how it interacts with webpages. This can often be a culprit in browser slowdowns, so it’s one of those things you should check if your browser has suddenly started moving with all the speed and grace of a slightly concussed sloth.

How can extensions slow down your browser?

Think of extensions as mini-programs or apps that are meant to run inside your browser. Every one you use is going to cost your memory/CPU a little more, potentially slowing down your whole computer (though some extensions can actually make your browser more memory-efficient). Most extensions are pretty lightweight and will merely sip power, but some can become real resource hogs depending on how they were developed and how they get along with your browser and other extensions.

How can you identify the culprits?

Browser extensions and browsers themselves change all the time, so it’s pretty hard to keep track of which extensions are using resources efficiently and which ones are eating up your RAM and asking for seconds. If there’s a good developer behind the extension, and it’s well-reviewed at the source, odds are it’s fine, but even then you might run into issues because of your specific setup.

First, check to make sureyou know what all of your extensions and toolbars are. Some of the worst culprits for browser lag are things that have been slipped in by shady programs, possibly while you were installing something else. If it looks sketchy, you can Google it to find out what it is, then delete it if you don’t need it. Even if this doesn’t clear up your problem, it’ll help keep you a bit more private and secure.

After the initial sweep, a good place to start is your browser’s “Incognito” mode, which will disable all your extensions (except in Firefox, where you may have to specify which extensions will and won’t be disabled in incognito mode). If you run into the same problems regardless of mode, it’s probably something else altogether. If the problem disappears, though, you’ll probably want to figure out if one of your extensions is dragging you down.

To do that, Chrome/Chromium and Firefox users can use the browser task manager to check if any extensions are currently drawing too much power. If you don’t see anything right away, keep the task manager open and check back whenever your browser slows down. This may reveal that a tab is actually the guilty party.

If the task manager gave you a lead, try disabling the extensions that were consuming the most resources and seeing if that helps. If the task manager didn’t show anything out of the ordinary (or you don’t have a browser with this feature), try disabling every extension and re-enabling them one by one until the problem resurfaces, at which point you’ll know what your problem is.

After removing the offending extension, your browser should work better, but if you’re still noticing problems, you may want to consider uninstalling and reinstalling the entire program, as there might be a problem that needs a reset to fix.

Find memory-hog extensions on Firefox

Firefox has a task manager in their browser, making it much easier to monitor the moving pieces.

1. Go to the hamburger menu on the top-right.

3. Go to the task manager.

4. Check the memory usage and energy impact of each item. If you don’t see anything out of the ordinary, try to reproduce your browser’s issue and see how things change.

If the task manager doesn’t give you anything useful, you’ll have to resort to either a one-by-one extension test or using the Firefox “refresh” option, which is similar to a reinstall (but easier).

Track down rogue Chrome processes

Chrome also has a handy task manager. You can access this with the keyboard shortcut Shift + Esc (also works for Opera), or follow the steps below.

1. Go to the three stacked dots on the top-right.

2. Mouse over “More tools.”

4. Check for abnormal memory/CPU usage, ideally while reproducing your browser’s issue.

No luck? You guessed it: you’ll have to go down the line and test each extension one by one. Or, as a last resort, reinstall everything.


Unfortunately, Safari and Edge do not appear to come with an easy way to check the memory footprint of your extensions, so you’ll have to go straight into turning them off and on to see which one is causing you issues.

But that was my favorite extension!

Alas, sometimes we must come to terms with the temporary nature of our universe. Luckily, most popular extensions have other versions from other developers, so you can probably find something similar that may not come with the same drawbacks. Also, while you’re about clearing up this extension, you may as well delete any others you aren’t using. They might not be causing you noticeable trouble at the moment, but extensions, even well-developed ones, can be potential privacy/security holes, so it’s not a bad idea to prune out the dead weight every now and then.

Image credits: Too many toolbars, Loading please wait

Andrew Braun

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Just Some Thoughts (On Apple Watch, Iphone 6, And Apple Pay)

First of all, I’d like to say, ignore my display name. I made this several years ago and I can’t be bothered at this point to make a new account.

So Basically, in this little opinionated article I’d just like to talk about some of the things that I have picked up on or noticed that perhaps are wrong or perhaps are correct over the past few days. These include the use of the digital crown on the Apple Watch, the timing of the releases of some of the iOS and apple pay features and some other things I’ve noticed.

So starting with the digital crown. I’ve seen on some article here on 9to5Mac and on other tech sites that some have been complaining about the digital crown. One of the primary complaints that I’ve seen is that how are we supposed to know when it scrolls and when it zooms. Well after re-watching the keynote from Tuesday, I picked up on some things. The crown appears to zoom whenever zooming would usually be applicable, and scrolls whenever that is applicable, as you would expect. Very rarely do you zoom and scroll vertically on the same element. For example, on a map, the crown would obviously work for scrolling because a 1-dimensional scrolling device can’t appropriately navigate the application. But then if you are changing one of the complications on the watch face, it will obviously work for scrolling, because what purpose would scrolling have there?

Now onto the design of the watch. The design, I agree isn’t perfect, and not everybody is going to love it. However, it does look splendid, in my opinion. The way that the screen curves around to meet the main body of the device, I think is really clever and really gives it an element of a screen that covers the whole device. I noticed in the UI as well, it’s mostly black so as to make a mostly seamless transition from the screen to the bezel/edge of the device. I personally think that the sport version of the watch is quite unattractive, but the other versions, in particular the space black stainless steel with either a classic buckle or link bracelet looks absolutely stunning. I also think that the sport version is where a lot of people are getting the idea it looks bad. If you look at a lot of the photos taken in person in the hands on room, it looks really nice.

Now, moving on from the Apple Watch, I’d like to talk about some of the dates that have been mentioned recently that have caught my attention.

Both Apple Pay and the continuity features of iOS 8 have been been explicitly said or rumoured to be made available in October. This, coincidentally, is exactly when Apple has previously been rumoured to be holding another event for the iPad and potentially some updates to the mac (if they have managed to do anything without the availability of the new processors from Intel). We haven’t heard anything recently about the October event, but I am still strongly in the belief that they will be holding an event within the next month and a half for the iPad. The way the features mentioned before happen to coincide with this event suggests that perhaps there is something that will tie these features together further, that will be announced at this event or maybe there will be just be solid release dates announced at the event.

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