Luminar Neo AI-Powered Photo Editor on Sale
According to Business Insider, entrepreneurs typically allocate 10% of their revenue to pay freelancers for support roles. But if you're ready to take on more yourself, the award-winning Luminar Neo Lifetime Bundle lets you create professional-grade images without having to outsource.
Right now, a lifetime license to Luminar Neo, a video training course, and six packs of preset photo filters can all be yours for $79.99 (reg. $682), the best price on the web.
Handle pro-level image edits yourself with Luminar Neo
With Luminar Neo, you can create professional-looking photos without hiring an expensive photographer. This easy-to-use photo editor is compatible with both Windows and Mac, and works as a plugin for Photoshop and Lightroom. It's packed with basic editing tools like masking, layers, and local adjustments, so you can create eye-catching photos.
Luminar Neo also offers AI-powered tools to take your photos to the next level. It provides tools like sky replacement, skin retouching, and control of lighting aspects in photos. And if you figure out the perfect recipe for your photos, you can use multiform presets and easily replicate that same look over and over again.
This bundle includes the Creative Photo Editing Techniques in Luminar Neo Video Course, an informative class taught by photographer and editor Albert Dros that teaches you how to edit landscapes beautifully.
You'll also receive six preset photo filter packs, which allow you to transform photos without manual editing. Change your photos with the Light Reflections Overlay Add-On, give a winter vibe with the Frosty Winter LUTs Add-On, among other options.
Handle photos in house with the Luminar Neo Lifetime Bundle, now only $79.99 (reg. $682), the best price on the web.
StackSocial prices subject to change.
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Tom's Guide
10 minutes ago
- Tom's Guide
I review Windows laptops for a living — and these are the best keyboard shortcuts I found on Reddit
I review many laptops every year, which is how I end up thinking so much about something as banal as keyboard shortcuts. I also get to go hands-on with the latest laptops from Dell, HP, Samsung, Microsoft and more, so I have some great recommendations for the best Windows laptops worth buying. I've been using Windows 11 since Microsoft released the first public beta back in 2021, and mastering the keyboard shortcuts has been a huge help along the way. Getting to grips with all the big two- and three-button combos that you can use to quickly get things done in Windows not only saves me time during the workday, it saves me wear and tear on my hands and wrists because I spend less time with my hands on the mouse and keyboard. That's why learning the keyboard shortcuts for the things you do regularly on your PC is one of my top Windows 11 tips—they take some time to learn, but once you master them you start getting more done with less effort without even trying. I know because I review a wide variety of Windows PCs every year, so I spend more time than most thinking about Windows 11 and how to better use it—which is how I ended up trawling Reddit this weekend hunting for the best Windows keyboard shortcuts I didn't know about. I found a few I really like and started using right away, so I wanted to share them here in case any other budding keyboard jockeys want to add them to their repertoire. Windows 11 keyboard shortcut Command Windows key + arrow key Maximize, minimize, or snap a window to either side or center of screen Windows key + Shift key + arrow key Move window to adjacent monitor Windows key + V Open Clipboard History/Emoji/GIF menu Windows key + I Open Windows 11 Settings menu Windows key + D View Desktop Pretty quickly I found this post on the Windows 11 subreddit (from user Short-Beyond9815) that lists some super-useful keyboard shortcuts, including several I don't use but really ought to. The basic Windows key + arrow key combo, for example, would save me hours every year just from clicking and dragging windows to either side of the screen in order to snap them into place for side-by-side viewing. And when I'm on a multi-monitor setup, being able to add the Shift key to move a window to an adjacent monitor could be a game-changer. Get instant access to breaking news, the hottest reviews, great deals and helpful tips. But it's the other three I've listed above that will probably save me (and you) more time in the long run. I knew about hitting Windows key + V to open your Clipboard History, for example, but I'd forgotten that in that same pop-up menu you can also quickly access Windows emoji, GIFs and special characters — which can save you a lot of time when quickly responding in Slack or via email. Meanwhile, the other shortcuts are great for quickly navigating around Windows. I often default to getting to the Settings menu by right-clicking the Start menu and selecting it by hand, for example, so learning to use the Windows key + I combo will save me some time this year. And with Windows key + D not only can you quickly get to the desktop when you need to minimize all windows and find something, you can hit it again to summon your windows back into place — which is a handy way to drag and drop a file from your desktop into whatever you're working on with just a few keys. Windows 11 keyboard shortcut Command Windows key + Alt + B Enable/disable HDR Windows key + Shift + Ctrl + B Restart graphics driver I really like these two graphics-focused keyboard shortcuts I stumbled upon in this Reddit thread (from user kingofallnorway) because together they give me tools to do quickly what I've long done the hard way. Specifically, I like getting to grips with the enable/disable HDR shortcut (Win + Alt + B) because I'm often testing new monitors and I regularly struggle to see whether HDR is enabled or disabled. Typically I dig through Windows' display settings until I find the appropriate setting and make sure it's on, but now that I know the shortcut I can just hit it to see if HDR is enabled or not. On the other hand, memorizing the shortcut to restart my Windows graphic driver (Win + Ctrl + Shift + B) is going to be handy for quickly diagnosing and solving minor graphical bugs in games. I typically notice issues like that cropping up around the time Nvidia releases new drivers (since I'm typically on a GeForce card) or when I'm testing out a new game, so being able to hit a key combo and quickly restart the display instead of having to quit out of the game (and potentially restart the PC) could be a big time-saver. Windows 11 keyboard shortcut Command Windows key + Ctrl + Escape Open Task Manager Windows key + 1-9 Open app pinned in 1-9th position on taskbar Windows key + Ctrl + V Open audio settings to quickly switch output devices Win key + - or + Zoom in/out on where cursor is located using Windows Magnifier Finally, I found some more shortcuts in this thread (from user connectedaero) that are going to make my time in Windows 11 a bit more productive. I like knowing that I can get to the Windows Task Manager more quickly than my usual methods (right-clicking the taskbar or hitting Ctrl + Alt + Delete) if I just use the Win + Ctrl + Esc key combo. And with the Win + Ctrl + V shortcut I can quickly access Windows' Sound Output menu, which is handy for when I quickly want to switch my sound output from desktop speakers to a pair of headphones I'm testing, or vice versa. I admit I had known that you could quickly launch apps pinned to your Windows taskbar by hitting Win + 1-9, with the numbers corresponding to which apps you pinned first. But I forgot to keep using it after the latest update, and now that I've pinned my most-used apps to the taskbar, I already feel a lot more productive. This last one came out of left field for me, but now that I'm getting older (and also experimenting with living room PC setups) I'm starting to see the appeal of being able to zoom in or out on any area of the screen with a quick key combo. I'm already using Win + +/- to read websites when I'm using my PC on the TV from the couch, and it's made the whole experience loads more comfortable. I'm grateful to Reddit for sharing these tips and reminding me of some of the best Windows 11 keyboard shortcuts worth knowing. If you're eager to continue making your copy of Windows better, I recommend digging into the free Windows PowerToys app--check out our guide to how to get PowerToys in Windows 11 for a full rundown! What are your favorite Windows shortcuts? Leave a comment below. Follow Tom's Guide on Google News to get our up-to-date news, how-tos, and reviews in your feeds. Make sure to click the Follow button.
Business Insider
11 minutes ago
- Business Insider
There's a good chance you're making a simple mistake when it comes to money, Vanguard says. How to make sure you're not missing out on any gains.
There's a good chance "your money could be making a lot more money," says Kate Byrne, Vanguard's head of Cash Plus distribution. With short-term interest rates still relatively high, it's a great time to earn essentially risk-free, inflation-beating returns on your cash. But a majority of Americans are missing out on these easy gains, Byrne told Business Insider. According to a Vanguard survey of 1,011 respondents published in March, at least 57% of Americans are earning less than 3% a year on their cash savings. Eight percent said they have their savings in physical cash, meaning they're yielding nothing; 16% are earning less than 1%; and 33% are earning 1%-3%. This suggests that even if savers are aware enough to move their money to an account or product with a higher interest rate than the standard checking or savings account — the annual yield on which is under 0.5% — they're still not capitalizing on the highest-yielding products on the market. "If it's below 3% you should be looking," Byrne said. "You should be finding a vehicle that has a better rate than that, and also has the features you need, whether that's FDIC insurance or the ability to move money seamlessly." High-yield savings accounts, certificates of deposit, and money market rates can vary by institution, length of deposit, and the amount deposited. Money-market funds, which hold cash equivalents like ultra low-risk short-term Treasurys, are more liquid than other products CDs, for instance, often force investors to pay a penalty if they pull their money out before the maturity date. Here are examples of some money market accounts — which you can invest in through a brokerage account with a firm like Charles Schwab or Fidelity — yielding above 4% as of August 1, according to Bankrate: The Vanguard survey data showed that 60% Americans feel they don't fully understand the interest-rate landscape and how it affects their savings. "Not only are they sort of not even clear on what APY is and how it affects their savings, but, likely because they're not clear on it, they're earning less than they could be in a more high-yielding product," Byrne said, referencing the common acronym for annual percentage yield. Young savers are less likely to understand interest rates and more likely to be missing out on returns, the data also shows. Sixty-seven percent of Gen Z savers are earnings less than 3%. Among millennials, that number is 59%. Byrne said that savers often miss out on these returns because switching banks or moving money to different accounts isn't top of mind. "You would be shocked at the number of people who are still in the bank account they opened up when they were in college or even high school, because they needed somewhere to put that first paycheck," Byrne said. "And then inertia kicks in and you've got bills connected to it, and life just moves really fast and many things seem more important." It's unclear how long cash-equivalent investments will continue to deliver strong returns. Short-term interest rates, which track closely with the fed funds rate, are expected to come down in September and later this year. Markets are placing a 99% chance that the Federal Reserve will slash rates by 0.25% next month. Still, with the fed funds rate between 4.25% and 4.5%, returns should remain above the inflation rate, which was 2.7% year-over-year in July.
Business Insider
41 minutes ago
- Business Insider
Elon Musk called on corporations to leave Delaware. Delaware says it's doing just fine.
Elon Musk has a Rolodex of feuds: US President Donald Trump, "212" rapper Azealia Banks, and even a British diver who helped save a Thai soccer team stuck in a flooded cave. In 2024, he set his sights on Delaware. Although Delaware is generally considered a business-friendly state with a robust corporate legal system, Musk tried to shatter that reputation after a judge at Delaware's Court of Chancery denied his multi-billion-dollar pay package, which was approved by Tesla's board. In typical Musk fashion, he used his X account as a megaphone to blast the court and urged others to incorporate their business elsewhere. "Companies should get the hell out of Delaware," Musk wrote last August. Musk moved SpaceX and Tesla from Delaware to Texas in 2024. Some prominent companies have since followed Musk out of the state. VC firm Andreessen Horowitz is the most recent high-profile company to exit Delaware because, the company said in a blog post, recent rulings by the Court of Chancery had undermined its "reputation for unbiased expertise." Companies like Roblox, Dropbox, and Trump Media have also left the state. Texas, Nevada, Florida, and Wyoming have become preferred destinations for some business leaders in a shift that some have dubbed "Dexit," a reference to the UK's withdrawal from the European Union, known as Brexit. The state's historical dominance as a destination for companies to incorporate is rooted in the Delaware General Corporation Law, a business-friendly statute that acts as the bedrock of its corporate law. Companies leaving Delaware might do so for various reasons, including privacy or tax preferences, but for Musk, it's about finding greener legal pastures. For its part, Delaware isn't overly worried. Dexit? Not according to Delaware. Attorneys and state officials still consider Delaware the premier destination for corporations, despite Musk's criticism. "Yes, there has been some political rhetoric about leaving Delaware," Delaware Secretary of State Charuni Patibanda-Sanchez told Business Insider. "What our data is showing is that Delaware is still the preeminent place to incorporate your business." Patibanda-Sanchez's office oversees the Division of Corporations, which says the state was home to over 2.1 million corporations and two-thirds of Fortune 500 companies in 2024. Still, the number of business entities formed in Delaware has slowed slightly, falling from about 313,000 in 2022 to about 289,000 in 2024. Joshua Margolin, a partner at Selendy Gay who is familiar with corporate governance in Delaware, told Business Insider that the state's decadeslong experience navigating corporate disputes is a big reason the state remains a top destination. "You've got judges who sit on the Court of Chancery who have spent their entire careers litigating corporate disputes," Margolin said. "That is invaluable to have that experience on the bench when you're bringing a dispute, whether you're the plaintiff or the defendant." Margolin added that Delaware has a "breadth and depth of case law and precedent that I don't think other states can rival." "I think if you went back over time, you'd see various states creating business courts that are in one way or another meant to try to mirror the expertise of the Court of Chancery," he said. Lindsey Mignano, founding partner of SSM Law PC, which represents emerging tech companies, said Delaware remains the "simplest, most cost-effective choice" for business founders. Mignano said many of the documents related to governing financing for startups are based on Delaware corporate law, meaning attorneys would need to adopt those templates to fit the requirements of other states. "This is an expensive lift from a practical perspective," Mignano said. Patibanda-Sanchez said, for now, the state isn't sweating. "We don't believe that Delaware's position as the corporate leader and corporate capital of the world is being threatened in any significant way," Patibanda-Sanchez said. "We always come under threat, though, because states are always trying to get a piece of the action." In February, Delaware Gov. Matt Meyer told Business Insider that things may "need to change" as companies considered leaving the state. Meyers approved changes to Delaware's corporate law in March. This month, Delaware's Court of Chancery said it would automate its process for case assignment, which could address concerns of bias.
