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Darling Picks Up New Contributors For Its macOS Compatibility Layer On Linux  Phoronix

Darling is the long-standing (albeit for some years idling) effort to allow macOS binaries to run on Linux that is akin to Wine but focused on an Apple macOS ...

Asus has unveiled a spec-heavy gaming phone called the ROG Phone II. When it launches later this year, it'll be one of the only phones to feature Qualcomm's new gaming-focused Snapdragon 855 Plus processor, a 120Hz AMOLED display, and massive 6,000mAh battery. PhoneDog reports: The ROG Phone II features a 6.59-inch 2340x1080 AMOLED display with a 120Hz refresh rate and it's the first phone to include Qualcomm's gaming-focused Snapdragon 855 Plus processor. Both the CPU and GPU in the SD855 Plus are clocked higher than in the standard SD855, helping you get better performance. ASUS has crammed 12GB of RAM inside the ROG Phone II's body, too. Another gaming-centric feature of the ROG Phone II are its AirTrigger buttons. Located on the side of the device, they give you extra buttons for your games and an improved software algorithm over the first ROG Phone that lets you rest your fingers on the AirTriggers, meaning you can react more quickly since you're not having to move your fingers to reach for the buttons. Other notable features of the ROG Phone II include a 48MP main camera with Sony IMX586 sensor, a 13MP ultra wide rear camera with a 125-degree field of view, and a 24MP front camera. There's up to 512GB of built-in storage available, an in-display fingerprint reader, dual front-facing speakers, and a 3.5mm headphone jack. Powering the whole package is a whopping 6000mAh battery. There are two USB-C ports on the ROG Phone II, with one in a traditional place on the bottom of the device and the other on the side of the phone so that it doesn't get in your way when you're gaming and charging. Both ports support Quick Charge 3.0, but the side port can charge more quickly with QuickCharge 4.0 support. It also includes support for 4K video output using DisplayPort 1.4. We don't have an official price or release date yet, but it's likely to start shipping later this year at around $899, which was the cost of the original ROG Phone.

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I’ve invested in multiple real estate crowdfunding companies, and the one that I’ve put the most money into is PeerStreet. I posted my overall statistics in my PeerStreet review 2019, but here is a specific example of a loan that looked like it was going bad, but was paid off suddenly at the beginning of the foreclosure process. This is the kind of information that I would have liked to see before investing myself, so I wanted to share the real-world details.

Initial investment details.

• Property: 2 bedroom, 1 bath, 975 sf condo in Salem, MA.
• Net Investor Rate/Term: 8.50% APR.
• Amount invested: $1,073.
• Term: 24 months with extension option.
• Total loan amount: $123,750 from Peerstreet and $13,250 from loan originator (10% “skin in the game”).
• Appraised at $199,000 = 62% LTV.
• Loan secured by the property in first position.
• Stated goal is buy-to-rent.

Here is the Zillow listing. The buyer appeared to get a condo for a good price ($130k). The unit last sold for $155k in 2016.

Timeline.

• May 2017. Loan originated. Maturity is set for June 2018.
• May 2017 to June 2018. Interest-only payments made as agreed upon. (My portion was taken out July 2017.)
• June 2018. Borrower requests extension.
• August 2018. 6-month extension approved and extension fee paid.
• November 2018. Borrower requests another extension. Additional 4-month extension granted.
• April 2019. Payments stop coming in. Loan is late. Full balance of loan is due.
• June 2019. Now 60+ days late. Still no payments. Demand letter sent. Foreclosure process initiated.
• July 2019. At around 90 days late, the loan was suddenly brought current and paid off. All back interest (including default interest) and fees paid.

If you look at the MLS data, they tried to list it in March 2019 for $288,000 and then reduced to $249,000 in May 2019. The listed was removed, so I’m not sure who paid off the loan, perhaps the borrower or the loan originator somehow refinanced it elsewhere. The price wasn’t unreasonable, as the neighboring unit sold for $268,000 in May 2018 (2 bed/1 bath/1,000 sf). Notice that for this note, the loan originator put up 10% of the loan, so it had “skin in the game”. I don’t know if that made a difference.

Final numbers. I invested $1,073 in July 2019 and got paid $192.27 of interest and $1,073 of principal for a total of $1,265.27 as of July 2019. (This was an automated reinvestment which included whatever cash was in my account, thus the odd numbers.) This works out to a 17.92% total return over two years, which is 8.59% annualized return. The number was a little higher than the stated interest rate due the various penalty fees the borrower paid. These numbers are net of all PeerStreet fees.

I haven’t had a Peerstreet loan go through the entire process of foreclosure yet, but will write another update if/when that happens.

Bottom line. The vast majority of my Peerstreet loans have been paid back in full in a timely manner. Some of them end up with issues like late payments, sporadic payments, and/or repeated loan extensions, like this one. This one ended up as an example of an investment that looked like it was heading for foreclosure at nearly 90 days late with little communication, but bounced back and ended up being paid in full.

If you are interested and are an accredited investor, you can sign up and browse investments at PeerStreet for free before depositing any funds or making any investments.

“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone. This email may contain links through which we are compensated when you click on or are approved for offers.”

PeerStreet Real Estate-Backed Loan: Near-Foreclosure Example from My Money Blog.

Copyright © 2018 MyMoneyBlog.com. All Rights Reserved. Do not re-syndicate without permission.

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Shortly after the 2019 Hyperloop Pod competition ended, Elon Musk announced on Twitter that next year's Hyperloop competition will be held in a six mile curved vacuum tunnel. Previously, the competition was held in a straight three-quarters of a mile test tunnel which is located at SpaceX's headquarters in Hawthorne, California. Engadget reports: The Hyperloop competition is a student engineering challenge where teams are invited to design and build a prototype vehicle to travel in the potential Hyperloop network. The vehicles must be self-propelled and achieve maximum possible speeds without crashing. At this year's competition, in which a team from Technical University of Munich (TUM) reached a top speed of 288 miles per hour before damage occurred and an emergency stop had to be performed, Musk mentioned the possibility of expanding the competition to include tunneling as well. "We'll consider a tunneling competition," Musk said at a Q&A about the competition, TechCrunch reports. "I think a tunneling thing would be pretty exciting. Because as I just articulated the primary challenge is how do you tunnel effectively, especially how do you put in the reinforcing segments and get the dirt out effectively -- it's harder than it seems."

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