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An anonymous reader quotes a report from The New York Times: Buy now, pay later" loans took off during the pandemic as a way for online shoppers to go on retail splurges without using a credit card. Now, lenders are offering the loans as a means for people to finance basic households needs. The lending apps Flex and Zip allow customers to take out loans to pay for their broadband, electricity, health insurance, mobile phone service, mortgage and water bills. Affirm, one of the most popular pay-later apps, has started providing some tenants loans to extend their monthly rent payment for a few weeks. Many dentists, veterinarians and medical clinics now often offer instant pay-later financing, and Intuit this year started promoting "File Now, Pay Later" loans to TurboTax users who owe money in their tax return. Pay-later loans are becoming the "working capital for the modern middle class," said Karen Webster, the chief executive of Pymnts, a news and market research company for the payments industry. "Consumers are using it more for essential, everyday things." Americans spent $160 billion last year through pay-later loans, according to research released recently by Federal Reserve economists -- nearly twice what consumers spent two years earlier, in 2023. That's still a fraction of the more than $3 trillion U.S. shoppers spend annually on consumer credit cards. But the industry continues to expand by double-digit rates each year. How much of that growth reflects consumer preferences, versus desperation, is a question economists and industry analysts are trying to unravel. The rise in pay-later financing comes as many households are leaning more on debt to keep up with their daily expenses. Paying interest -- to afford basic needs -- adds to the overall cost of living, which has already been rising amid higher medical, housing and fuel costs. For many borrowers, the loans have become their only option: Half of those using them said they could not make ends meet otherwise, according to the latest edition of a survey that LendingTree, a loan marketplace, has compiled for years.

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An anonymous reader quotes a report from Ars Technica: The Supreme Court today rejected Verizon's attempt to get a $47 million refund from the Federal Communications Commission. In a list of orders (PDF) issued by the court, Verizon's petition was denied without explanation. The denial apparently ends any possibility of Verizon asking a lower court to review the fine and order the FCC to issue a refund. However, AT&T and T-Mobile are continuing to challenge similar fines on grounds that selling device-location data did not violate US telecom law. AT&T, T-Mobile, and Verizon were fined a total of $196 million in 2024 for selling mobile users' real-time location data without their customers' consent. The carriers sold device-location information to data aggregators, who resold it to other firms. The carriers paid the fines and sought to have them overturned in courts, claiming their Seventh Amendment right to a jury trial was violated. Challenges by AT&T and Verizon were combined into a single case, and the Supreme Court ruled against the carriers in June of this year. The court ruled that the FCC penalty process does not violate the Seventh Amendment because the carriers could have obtained jury trials if they refused to pay the fines and waited for the government to try to collect. The ruling (PDF) against the carriers was 8-1, with Justice Clarence Thomas dissenting.

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Apple Wallet's driver's license and state ID feature is set to expand to North Carolina, Oklahoma, Utah, and Virginia, bringing the total to 18 states plus Puerto Rico. The digital IDs can be used at participating TSA checkpoints and businesses without handing over or unlocking an iPhone, though users are still generally advised to carry a physical ID because acceptance remains limited. MacRumors reports: A few days ago, North Carolina's DMV announced that it plans to launch a mobile ID program later this year. As reported by WRAL, North Carolina residents will be able to set up a digital ID through a new NC Wallet app starting in December, with Apple Wallet, Google Wallet, and Samsung Wallet support to follow in "early 2027." As mentioned, you do not need to unlock, show, or hand over your device to present an Apple Wallet ID in person, ensuring user privacy. Apple Wallet IDs are generally not accepted by law enforcement, so carrying a physical ID is still legally required for traffic stops. In addition, the number of businesses that accept Apple Wallet IDs is still quite small. At least for now, Apple Wallet IDs are designed to be a convenient alternative where they are accepted. "Your mobile ID is a valid form of identification in North Carolina," the DMV said, in a FAQ on its website. "However, as retailers, restaurants and other businesses transition to mobile IDs, some may not be set up to accept them right away. For now, carrying your physical card gives you a backup when needed." According to code seen by MacRumors, Apple Wallet IDs are also coming to Oklahoma, Utah, and Virginia, but there is no timeframe for availability.

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District Court Judge Eric Elliff has ordered Iron Mountain to cooperate with Nine PBS in recovering roughly 50TB of archival material stored through now-defunct vendor OSS. "He found that the station is the rightful owner of the materials and entitled to recover them from OSS' storage systems," reports Current.org. Nine PBS must identify a third party to help retrieve the files, pay outstanding storage fees, and ensure that data belonging to other OSS customers isn't disturbed or accidentally recovered. From the report: Under his order, Nine PBS is to identify a third-party vendor, such as a former OSS employee, who can assist in accessing and retrieving the data from the infrastructure that's housed in Iron Mountain's center within 30 days. Elliff acknowledged the complexities of Iron Mountain's position as a vendor to OSS, which, according to Nine PBS' complaint, is in delinquency. Iron Mountain is the "custodian" of Nine PBS' data, but it isn't the vendor that contracted with the station to store and preserve its data. That obligation remains with OSS. Under the order, Nine PBS will pay Iron Mountain current and past-due fees for data storage, starting from when OSS stopped paying Iron Mountain for use of its data storage facility. During the hearing, Gregory Rich, an attorney representing Nine PBS, said the station seeks access to a physical cage where the data is housed within Iron Mountain's facility. The station is in contact with a former OSS employee who is willing to help obtain the data. The attorney noted that the data could potentially be stored in physical form, such as tapes that could be easily retrieved. But if the materials are on a server, Nine PBS could lose the materials forever if Iron Mountain shuts it down. William Cravens, the attorney representing Iron Mountain, told the judge his client doesn't know the format of Nine PBS' materials that were stored by OSS. He expressed concern about whether Nine PBS' archival material is lumped together with data from other OSS clients. Iron Mountain wants to avoid potentially corrupting the other data, Cravens added. Elliff ordered the immediate return of any physical devices that hold Nine PBS' data once access to OSS' storage system is granted. If data retrieval turns out to be more complicated -- if it is encrypted, for example -- he will schedule another hearing to determine how to proceed. Once Nine PBS retrieves its data, the station must work with a third party to ensure that no data from other OSS customers is among those materials.

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Meta is heading to trial in a case brought by dozens of states accusing it of deliberately designing addictive features, misleading users about safety, and illegally collecting data from children under 13. Meta says the states are seeking penalties as high as $1.4 trillion, though the judge has already called that figure "unreasonable." The case could, however, influence thousands of similar lawsuits against the company. Engadget reports: The trial kicks off Tuesday in federal court in Oakland, California, after Meta lost a last-ditch attempt to get the case dismissed last week. It could see testimony from top officials at Meta, including Mark Zuckerberg, and could result in record-breaking penalties for the company. The case stems from a 2023 lawsuit brought against Meta from dozens of states, which accused Meta of intentionally creating addictive features and violating consumer protection laws. The action came after a multi-state investigation into the company's safety practices that officials said revealed serious harms to children and teens. During the trial, federal Judge Yvonne Gonzalez Rogers will hear claims from California, Colorado, Kentucky and New Jersey that Meta violated state consumer protection laws by intentionally misleading the public about the safety of its apps. Those four states and 25 others are also suing Meta over alleged violations of the Children's Online Privacy Protection Act (COPPA). The states allege Meta broke the law because it knew Instagram and Facebook had users under the age of 13 and collected data about them without permission. [...] For Meta, the stakes are especially high because the company is currently facing thousands of other lawsuits that accuse it of harming users. Juries in Los Angeles and New Mexico have already ruled against Meta in high-profile trials that deal with similar issues. (Meta has said it will appeal in both cases.) Another loss could not only be a financial blow, it could give other lawsuits an easier path forward. And while Meta isn't exactly hurting for money, its legal costs are adding up. The company said it spent $2.4 billion on legal costs in the second quarter of 2026 alone. The jury in the case has already been selected and opening arguments are set to begin Tuesday, August 18. The trial is expected to last about six weeks. Unlike in a standard jury trial, the eight-member jury will serve in an "advisory" role, as Law360 explains. The judge will have full power over the final verdict and penalties. Along the way, the trial could also see testimony from some of Meta's most visible executives, including CEO Mark Zuckerberg and Instagram chief Adam Mosseri. Both men are likely to testify, according to Reuters. [...] Audio from the trial will be live streamed on the court's YouTube channel. A spokesperson for Meta issued the following statement: "The State AGs may call this a landmark case, but their limited claims are unsubstantiated and their financial demands are vastly disproportionate. The AGs offer no proof anyone in their states was misled, claim benign features like having an additional Instagram account somehow harmed their residents, and attempt to penalize Meta for industry-wide challenges like age verification," the spokesperson continued. "Rather than sticking to the facts or the law, the states have instead decided to chase an outlandish payout. We stand by our record of creating strong protections for teens, and look forward to making our case in court."

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Coastal Curry took over the former Clean Eatz space on Gallery Boulevard.

An anonymous reader quotes a report from Reuters: PJM Interconnection, the biggest U.S. grid operator, proposed on Thursday a new framework that would force data centers to use back-up generators when electricity supply on the grid approaches dangerously low levels. The grid operator's proposal dovetails with President Donald Trump's Ratepayer Protection Pledge, a non-binding initiative to protect residential customers from getting saddled with costs related to data center power consumption, PJM said. A new emergency procedure would notify utilities to reduce or transfer the electricity demand from data centers and other large power users ahead of any action that would shut off traditional consumers such as households. PJM said it does not, however, currently have the authority to curtail power to those sites and would require the cooperation of individual state governments. PJM manages the electricity for 67 million people in a territory that stretches from Washington, D.C. to Chicago. Its proposal highlights a growing tension between the rapid expansion of data centers and the ability of the nation's power grid to keep up. If PJM cannot close its supply gap, millions of residents and businesses face an increased risk of blackouts, and the cost of new generation could be passed on to other power consumers. At its recent capacity auction, PJM hit its $325-per-megawatt-day price cap but still came up about 6.8 GW short of its projected reliability needs. With rapidly expanding data centers adding pressure to the grid, PJM has also proposed creating a registry to track their locations and power consumption.

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The glacial sand dunes, revealed due to overfarming in the 1800s, have drawn visitors to Freeport for a century.

OpenAI has signed a 10-year lease for an enormous Ohio data center that will eventually provide 8 gigawatts of computing capacity and require at least 10 gigawatts of new power generation. According to OpenAI, Nvidia will be supplying the chips and guaranteeing up to $105 billion in lease and power obligations. From the report: The facility -- which will be built and owned by SoftBank's SB Energy -- illustrates the immensity of the computing and power needed to fuel the growth of the AI economy. The data center will have 8 IT-gigawatts of computing capacity, powered by 10 gigawatts of new energy generation, on private land and federal property formerly used for uranium enrichment. Nvidia -- which will be the exclusive provider of chips to the site -- agreed to guarantee up to $105 billion in conditional lease and power payment obligations to SB Energy, according to an SEC filing (PDF). The so-called "land, power and shell" deal structure could allow for multiple upgrade cycles for new generations of Nvidia infrastructure at the site, Nvidia CEO Jensen Huang said on X. A massive 9.2 gigawatts of new gas-fired power is ultimately envisioned for the Ohio project, which U.S. officials say Japan is funding under the 2025 trade and investment deal. SB Energy and SoftBank "will build at least 10 GW of new energy generation," a joint announcement from Nvidia, OpenAI and SB Energy states. Nvidia also said today that it's investing $1.5 billion in SB Energy to back its "continued evolution into a leading AI infrastructure developer."

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Symbotic is where innovators come to solve – and r

alternative_right shares a report from 404 Media: Amazon is buying massive quantities of books, scanning them for AI training data, and destroying them in the process. A 404 Media investigation was able to reveal Amazon's book buying operation, which hasn't been previously reported, by placing a tracking device in a rare book we suspected would be acquired by an AI company for training data, and following it around the country to its final destination. That final destination was an Amazon warehouse in Las Vegas, Nevada. Amazon employees who work at this location say all they do is receive massive shipments of printed books which they then cut the bindings off in order to scan the books more quickly. The printed book is destroyed in the process. The logo of the Amazon team that works at this warehouse, called VGT3, is a dinosaur, brandishing its teeth and with a book in its hands. "Amazon purchases books through commercial channels to help develop and improve the products and services our customers use," an Amazon spokesperson told 404 Media in a statement.

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Anthropic CEO Dario Amodei says the growing backlash against AI is less about executives sounding alarms and more about a broader "crisis of trust" in companies, governments, and the tech industry. TechCrunch reports: Amodei's comments came in response to investor Gavin Baker, who argued -- both on the All-In podcast and on X -- that Amodei's warnings about the dangers of AI have helped to fuel a backlash in the United States, particularly against data centers. Claiming that Amodei has "lost the argument" when it comes to AI regulation (Anthropic has advocated for some regulations, including a California bill that imposes transparency requirements on large AI companies), and given that "he is about to be the CEO of one of the most important companies in the world," Baker wrote, "I respectfully think he should make an effort to be a more positive advocate for his own industry." Baker is far from the only one arguing that AI skepticism and even government crackdowns are a natural response to the dire warnings of some AI executives. But in a series of posts, Amodei disagreed with the idea that his "messaging has been disproportionately negative." Instead, he said that his writing has been "about equally balanced between risks and benefits," and that he wrote his essay "Machines of Loving Grace" because he "didn't feel the AI industry was painting an inspiring enough picture of how the technology could radically transform the world for the better." Nonetheless, Amodei acknowledged that "the public has a negative view of AI" and he agreed that "this is a big problem." Where he disagreed was with the idea that this negativity is "primarily caused" by Amodei "or any other AI leader warning about AI's risks." "I think it is fundamentally a crisis of trust," Amodei said. "I think that ordinary people don't trust companies, governments, or the tech industry and always suspect that we are cooking up some new way to screw them over."

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The state has launched a data dashboard that includes information about lot rents and the number of units and vacancies in parks.

Nearly 32% of participants hold graduate degrees, far above the statewide average. The state plans to evaluate the numbers and adjust outreach.

An anonymous reader quotes a report from The Register: If you want to record whatever you do on a computer, send those records to OpenAI, use more ChatGPT tokens, and increase your vulnerability to prompt injection, then OpenAI has something for you. It's called Computer History, an opt-in way to record your computer interactions across apps and websites as memories organized on a timeline. Why would you want to do so? Maybe you found Chronicle, the predecessor of Computer History which compiled similar histories using screenshots, a bit too intrusive but don't mind Computer History's approach -- recording input events and storing them unencrypted locally for 48 hours (or more), with a brief visit to OpenAI's servers. Maybe you're not bothered by the warning OpenAI includes in its documentation: "Computer History files can contain sensitive information. They are not encrypted by Computer History, and other programs running as your macOS user may be able to access them." Perhaps, having given OpenAI's Codex and GPT Work the run of your computer, you're already sold on the suggestion that storing your computer activity in memory files and arranging those interactions in a timeline will improve ChatGPT responses, surface opportunities for automation, and make it easier to resume prior work. Computer History is, to put it bluntly, a keylogging and event capture system. "Computer History creates an interaction-event stream from allowed apps and websites," OpenAI's documentation explains. "Events can include clicks, typing, keyboard shortcuts, app switches, and context that macOS exposes through its accessibility system. Computer History periodically turns these events into text summaries and local memory files." OpenAI says the feature doesn't capture screen images, microphone input, or system audio. It also doesn't record private-mode browsing. "Turn it off during communications with other people unless you have their prior express consent," the company advises, perhaps in acknowledgement of legal risk. "Consider pausing it or excluding apps that contain sensitive health, financial, or personal information." ChatGPT and Codex delete locally stored Computer History interaction events after 48 hours, but data sent to OpenAI to generate memories may be retained locally longer and reused in future chats.

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The expansion will include bowling lanes, a bar, and an arcade.

The company makes software that helps manufacturers coordinate robots in industrial settings. It plans to expand into electronics assembly and aerospace.

Some take their criticism even further. Reacting to Flock's changes, an EFF statement calls it "Too little, too late," while calling it Flock's admission that their technology needs reforms. But... To be clear, our position has long been that police, at a minimum, need to get a warrant, signed by a judge, in order to search for historic ALPR data regarding specific vehicles. For us, it's common sense: if police want to dip into historic ALPR data like they were going back in time to retroactively follow your comings and goings, they need a warrant. There's also nothing stopping Flock from rescinding these latest reforms. This all leads to the bigger and more important issue: We should not be letting companies decide how much privacy we deserve... It shouldn't be up to Flock or any other ALPR vendor to decide how long police can collect and retain data on millions, if not hundreds of millions, of innocent people. We need lawmakers to step up and pass laws that restrict police's use of surveillance technology. After all, the surveillance business model is the problem, and a few company-imposed slapdash reforms aren't going to change that.

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From surprisingly good $300 Chromebooks to excellent $650 Windows notebooks and more, these are the best budget laptops I’ve tested.

I’ve tried most of the ready-to-eat meal delivery services in the country. CookUnity is the one that feels like real cooking, from real chefs.