Things To Do In SW Florida

By BARBARA ORTUTAY, Associated Press Technology Writer

Instagram is beginning to test the use of artificial intelligence to determine if kids are lying about their ages on the app, parent company Meta Platforms said on Monday.

Meta has been using AI to determine people’s ages for some time, the company said, but photo and video-sharing app will now “proactively” look for teen accounts it suspects belong to teenagers even if they entered an inaccurate birthdate when they signed up.

If it is determined that a user is misrepresenting their age, the account will automatically become a teen account, which has more restrictions than an adult account. Teen accounts are private by default. Private messages are restricted so teens can only receive them from people they follow or are already connected to. “Sensitive content,” such as videos of people fighting or those promoting cosmetic procedures, will be limited, Meta said. Teens will also get notifications if they are on Instagram for more than 60 minutes and a “sleep mode” will be enabled that turns off notifications and sends auto-replies to direct messages from 10 p.m. until 7 a.m. read more

An early Monday morning launch was the first of two on the Space Coast with planned booster landings that could bring sonic booms to Central Florida.

First up was a Falcon 9 on the CRS-32 resupply mission to the International Space Station that launched from Kennedy Space Center Launch Pad 39-A at 4:15 a.m.

The first-stage booster made its third flight with a recovery landing at Cape Canaveral Space Force Station’s Landing Zone 1.

CRS-32 sent a cargo Dragon spacecraft with about 6,700 pounds of supplies to the ISS. That includes a demonstration of refined maneuvers for free-floating robots, an enhanced air quality monitoring system that could be used for missions to the moon and Mars, and two atomic clocks. This is the fifth flight of the Dragon spacecraft. It will dock with the ISS after a 28-hour flight targeting 8:20 a.m. Tuesday. It won’t undock until May.

Next up for launches will be a Falcon 9 on the rideshare mission for multiple customers Bandwagon-3, set to lift off from Canaveral’s Space Launch Complex 40 at 8:48 p.m. with a backup on April 22 at 8:26 p.m. read more

By Jennifer Bradley Franklin, Bankrate.com

In broad terms, mortgage acceleration or an accelerator loan is any program that “helps homeowners pay off their mortgage balances much earlier, resulting in significant interest savings over the life of the loan and reducing the payment duration by several years,” says Robert Bullara, owner of Fine Realty International in Austin, Texas.

“With mortgage accelerator programs, you pay a little extra each month toward your mortgage’s principal,” says Bullara.

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Keep in mind: A mortgage acceleration program isn’t the same as an acceleration clause in your loan contract — more on that below. read more

By Kacie Goff, Bankrate.com

Per the 2024 National Association of Realtors (NAR) Member Profilec, a typical agent had 10 transactions in the last year. With roughly one deal closing per month, the agent you hire should theoretically have bandwidth to provide you with the best possible service.

If that doesn’t ring true for your current experience, however, it could be time for a change. You might be wondering when to fire your Realtor. Or, more pressingly, how to fire your real estate agent.

Let’s take a look at when to make that call — and how to navigate a firing legally.

How to know when to fire your Realtor

We’re all only human, so it’s OK if an agent makes a mistake or two. But you may want to consider finding a new real estate rep if you spot several of these red flags:

• They don’t communicate well. Your agent should be reachable and communicative with you. If they take a long time to get back to you, it can impact your ability to see listings and put in offers before the competition. And if you feel like they’re not being straightforward with you, or possibly even lying, that’s a deal-breaker. Speaking in jargon is another issue — politely ask them to explain anything you don’t understand.
• They’re not marketing your home well. Today, real estate pros have a wide range of options they can use to get the word out about your listing. If your home isn’t turning up on leading listing sites or is otherwise poorly positioned, you might want to figure out how to fire your real estate agent.
• There’s a personality clash. Your agent is navigating one of the biggest decisions of your life with you. You want to feel comfortable working with them. If your personalities don’t mesh well, you might be better served by finding someone else. Trust your instincts. If it doesn’t feel right, it probably isn’t.
• They’re overly pushy or aggressive. An agent’s job is to advocate for you — not against you. Someone who is argumentative or tries to pressure you into things you feel uncomfortable with is not a good fit.
• They act unprofessional. Everyone has a different work style, but there are a few behaviors that just won’t fly. If they consistently show up late to appointments (or not at all), come unprepared, lack knowledge about the property or seem distracted during your interactions, be wary. This shows a lack of respect for you as a client.
• They’re unfamiliar with the market. A good agent stays informed about their local market. If they don’t know about current market trends in your area, how can they help you find the best place or make the best deal possible? Make sure to arrange regular and continual updates from your agent on market conditions, recent sales, new listings, available inventory and price trends.
• They demonstrate a lack of skills. Whether it’s helping you stage your for-sale home or negotiating on price, you want an agent who knows what they’re doing. No one likes to feel like they left money on the closing table, whether you’re the buyer or the seller.

How to fire your real estate agent

Don’t leap to a firing right away. If you’re unhappy with your agent, you may still be able to mend the relationship: Try communicating with them openly in a non-confrontational way about the issues you have. If the issues persist, it’s probably time to let them go. You’ll need to do so legally, ensuring you’re in compliance with any agreements or contracts you signed. The last thing you want is an expensive court battle. read more

If you have significant investments in the stock market, you have probably watched the recent volatility with trepidation, as the values of some indexes have retreated by 10% or more from their recent highs.

If you’re not concerned about your portfolio, then you don’t have to read this column. If you are concerned, then I hope what follows will help.

Whenever you see a dramatic change in the value of your assets, it is normal to ask whether you should make major changes in your portfolio. That is a legitimate question, and the following four questions should help to answer it.

The first two questions were suggested by Peter Lynch, a former asset manager for the Fidelity Magellan Fund. He became justly famous success managing the fund, and he wrote an excellent, best-selling book explaining how he did it.

The final two questions were suggested by Jason Zweig, an astute financial journalist with a well-deserved reputation for his excellent financial advice column in the Wall Street Journal. read more