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Twitter will let users tip with bitcoin, explores way to showcase NFTs
Twitter will let users tip with bitcoin, explores way to showcase NFTs
Twitter said Thursday that users worldwide will be able to tip others with bitcoin, the popular digital currency. The company is also exploring a way for users to track and showcase nonfungible tokens, a new form of crypto assets, on the platform.
NFTs can be used to represent the ownership of unique digital or physical items such as art, music and even a tweet. Twitter CEO Jack Dorsey, for example, sold his first tweet as a NFT for $2.9 million.
Dorsey, who also runs payment company Square, is a well-known fan of cryptocurrency so it isn't entirely surprising Twitter is examining how the social network fits into this space. Twitter product manager Esther Crawford said digital currencies make it easier for people around the world to get paid, noting that 2 billion people don't use traditional banking services.
Twitter's tipping feature includes an option for bitcoin.
Twitter
"We want everyone to have access to pathways to get paid," she said during a press conference. "Digital currencies that encourage more people to participate in the economy and help people send each other money across borders and with as little friction as possible, help us get there." Twitter has been testing tipping but will roll it out globally first to iPhone users and then on Android. Twitter said users can provide their bitcoin address or use a payments app called Strike to send bitcoin tips. Users can also tip with other third-party payment services, including Bandcamp, Cash App, Patreon, PayPal and Venmo.
Crawford said Twitter is looking into NFT authentication. That could come in the form of a badge or the shape of an avatar that gives insight about the origin of a NFT.
The release of the new features underscores how quickly Twitter has been testing new products as it tries to entice more people to use its site. The company has also been doubling down on live audio and said it's putting together a fund for creators who use its live-audio product, Spaces. It's also planning to let people record and replay live audio chats.
Twitter is testing more safety features as well, including a tool that'll autoblock accounts that are similar to the ones users have already blocked, the ability to remove yourself from a conversation, and a way to filter out tweets with offensive words. It's also exploring a tool that'll give users a heads-up if they're about to enter a potentially heated discussion.
Kayvon Beykpour, Twitter's head of consumer product, said the company will be gathering feedback as it tests more features.
"We're trying to push the envelope to evolve the product [and] solve really important and tricky problems," he said.
Home equity loan rates for september 2022 calendar home equity loan rates for september 2022 holidays home equity loan rates for excellent credit home equity loan rates for bank of america chase home equity loan rates home equity loan calculator heloc vs home equity loan home equity line of credit home equity application home equity loan rates
Home Equity Loan Rates for September 2022
Home Equity Loan Rates for September 2022
With record-breaking home appreciation seen throughout the pandemic, most homeowners have more equity in their homes now compared to two years ago. If you need access to funds for a renovation project, education expenses or even debt consolidation, tapping into your home's equity could provide you with a lower-rate financing option. A home equity loan, which lets you borrow money against the equity you've built in your home, provides you with a lump sum of cash at a fixed interest rate.
Home equity loans may be particularly appealing in the current economic climate. Mortgage rates overall have gone up more than 2% since the beginning of the year. Even though rates recently dipped as the Federal Reserve increased its benchmark interest rate for the fourth time this year in an attempt to combat rising inflation, home equity loans still tend to offer lower interest rates than other types of loans. That's a significant benefit for anyone looking for financing at a time when it's uncertain how much rates will fluctuate moving forward.
This type of financing may make sense if you own a home and have at least 15% to 20% of equity built up in your home. Unlike a home equity line of credit, or HELOC, you'll receive the sum of the loan upfront in one lump payment if you're approved.
A home equity loan is a lower interest rate financing option, but it's not without risk. When you secure a home equity loan, your home acts as collateral, which means you could lose your home if you're unable to repay what you borrowed. It's important to carefully consider whether a home equity loan is right for you before applying for financing.
Here's everything you should know about home equity loans, how they work, who they're best for and how they compare to other loan options.
What is a home equity loan?
A home equity loan offers you a lump sum of cash you borrow against the equity built in your house. Tapping into your home's equity means you are borrowing against the mortgage payments you've already made -- it won't replace your existing mortgage payment -- it's a new loan that you'll repay monthly, along with your existing home loan.
Most lenders require you to have 15% to 20% of equity in your home to secure a home equity loan. To figure out how much equity you have, subtract your remaining mortgage balance from the value of your home. For example, if you have a $500,000 mortgage and you owe $350,000 on it, you have $150,000 in equity. To figure out the percentage, divide this number ($150,000) by your home's value ($500,000) and you'll see you have 30% equity available in your home. Lenders will typically let you borrow around 80% to 85% of your home's equity for a home equity loan. So, in this case, you could borrow up to $120,000 to $127,500.
A standard repayment period for a home equity loan is between five to 30 years for a home equity loan. You make fixed-rate payments that never change, which means even if interest rates go up, your loan rate is locked in.
Current home equity loan rate trends
One of the benefits of home equity loans is that they typically have lower interest rates than personal loans or credit cards. Right now, borrowers with good credit and sufficient equity can secure home equity loans with interest rates as low as 3%, according to Bankrate, which is owned by the same parent company as CNET.
One potential downside of a home equity loan is that if your property value goes down for any reason, you could end up underwater on your loan. This happens when the balance of your loan becomes higher than the value of your home. That's what happened to millions of Americans during the 2008 financial crisis. Right now, there's less risk of your home's value decreasing below your home equity loan amount, though. Home prices have appreciated as much as 20% in some metro areas across the US over the last two years, and it seems unlikely that they will go down in a significant way anytime soon.
Pros of a home equity loan
Fixed-rate payments: Your monthly payment will never change even if interest rates rise.
One lump sum of cash: You receive the entire loan upfront in one disbursement.
Low interest rates: It has a lower interest rate than other types of personal loans or credit cards.
Tax deductible interest: If you use it for home renovations, you can deduct the interest from your taxes.
Cons of a home equity loan
Using your home as collateral: If you fail to make your payments or default on your loan, your lender can foreclose and take ownership of your house.
Can take longer to receive the funds: It can take more time to receive a home equity loan than a personal loan, for example.
Closing costs are expensive: Closing costs can range anywhere from 2% to 5% of the loan.
Your home's value could decrease after receiving your loan: Although home values are not expected to decrease significantly any time soon, if your home's value were to drop below your home equity loan amount, you would have what is known as negative equity. Negative equity means you owe more than your home is worth. So, if you were to sell your home, you likely would not receive enough money from a seller to pay off your loan balance.
Home equity loans vs. HELOC
Home equity loans and home equity lines of credit, or HELOCs, are similar, but have a few key distinctions. Both let you draw on your home's equity and require you to use your home as collateral to secure your loan. The two major differences between a home equity loan and a HELOC are the way you receive the money and how you pay it back.
A home equity loan gives you the money all at once as a lump sum, whereas a HELOC lets you take money out in installments over a long period of time, typically ten years. Home equity loans have fixed-rate payments that will never go up, but most HELOCs have variable interest rates that rise and fall with the economy and overall interest-rate trends.
A home equity loan is better if:
You want a fixed-rate payment: Your monthly payment will never change even if interest rates rise.
You want one lump sum of money: You receive the entire loan upfront with a home equity loan.
You know the exact amount of money you need: If you know the amount you need and don't expect it to change, a home equity loan likely makes more sense than a HELOC.
A HELOC is better if:
You need money over a long period of time: You can take the money as you need it and only pay interest on the amounts you withdraw, not the full loan amount, as is the case with a home equity loan.
You want a low introductory interest rate: Although HELOC rates may increase over time, they also typically offer lower introductory interest rates than home equity loans. So, you could save money on interest charges.
Home equity loans vs. cash-out refinances
A cash-out refinance is when you replace your existing mortgage with a new mortgage, typically to secure a lower interest rate and more favorable terms. Unlike a traditional refinance, though, you take out a new mortgage for the home's entire value -- not just the amount you owe on your mortgage. You then receive the equity you've already paid off in your home as a cash payout.
For example, if your home is worth $450,000 and you owe $250,000 on your loan, you would refinance for the entire $450,000, rather than the amount you owe on your mortgage. Your new cash-out refinance home loan would replace your existing mortgage, and then offer you a portion of the equity you built (in this case $200,000) as a cash payout.
Both a cash-out refi and a home equity loan will provide you with a lump sum of cash that you'll repay in fixed amounts over a specific time period, but they have some important differences. A cash-out refinance replaces your current mortgage payment. When you receive a lump sum of cash from a cash-out refi, it is added back onto the balance of your new mortgage, usually causing your monthly payment to increase. A home equity loan is different -- it does not replace your existing mortgage and instead adds an additional monthly payment to your expenses.
A home equity loan is better if:
You do not want to pay private mortgage insurance: Some cash-out refinances require PMI, which can add hundreds of dollars to your payments, but home equity loans do not.
You can't complete a refinance: With rates rising, it's possible that your mortgage rate is lower than current refinance rates. If that's the case, it likely won't make financial sense for you to refinance. Instead, you can use a home equity loan to only take out the money you need, rather than replacing your entire mortgage with a higher interest rate loan.
A cash-out refinance is better if:
Refinance rates are lower than your current mortgage rate: If you can secure a lower interest rate by refinancing, this could save you money in interest, while providing access to a lump sum of cash.
You only want one monthly payment: The amount you borrow gets added back to the balance of your mortgage so you only make one payment to your lender every month.
Less stringent eligibility requirements: If you don't have great credit or you have a high debt-to-income ratio, you may have an easier time qualifying for a cash-out refi compared to a home equity loan.
Lower interest rates: Cash-out refinances sometimes offer more favorable interest rates than home equity loans.
FAQs
What is a good home equity loan rate?
Right now, lenders are offering rates that start as low as around 3% for borrowers with good credit, but rates vary depending on your personal financial situation. A lender will base your interest rate on how much equity you have in your home, your credit score, income level and other aspects of your financial life such as your debt-to-income ratio, which is calculated by dividing your monthly debts by your gross monthly income.
How do I qualify for a home equity loan?
You are typically required to have at least 15% to 20% equity built up in your home to qualify for a home equity loan. You must also have enough income and a low-enough debt-to-income ratio to qualify -- lenders usually want to see a DTI of 43% or below. Lenders also like to see a minimum credit score of at least 620. Generally speaking, if your credit score is below 700 there is a possibility that a lender will deny you for a home equity loan. The better your credit, the better your chances of being approved for a loan with a low interest rate.
What can I use a home equity loan for?
Home equity loans can be used for anything you choose to spend the money on. Typical life expenses that people usually take out home equity loans to cover are expenditures like home renovations, higher education costs like tuition or to pay off high-interest debt like credit card debt. There's a bonus for home improvements: If you use a home equity loan for renovations, the interest is tax deductible.
You can also use a home equity loan in an emergency situation or for life events like weddings. But keep in mind that whatever you chose to use a loan for, taking out a large sum of money that accrues interest is an expensive choice you should always carefully consider – especially since you're using your home as collateral to secure the loan. If you can't pay it back, the lender could seize your home to repay your debt.
How do I apply for a home equity loan?
Applying for a home equity loan is similar to applying for a mortgage. You need to qualify with a lender or bank who is willing to lend you the money. First, the lender will first want to make sure you have at least 15% to 20% equity in your home. If you do, the lender will take into account your credit score (lenders usually like to see a minimum score of 620), your income and your current debt-to-income ratio to determine whether you qualify and what your interest rate will be. You should be prepared to have financial documents like pay stubs and W2s in order, as well as proof of ownership and proof of the appraised value of your home. It's important to interview multiple lenders to determine which lender can offer you the lowest rates and fees.
More mortgage tools and resources
You can use CNET's mortgage calculator to help you determine how much house you can afford. The CNET mortgage calculator factors in variables such as the size of your down payment, home price and interest rate to help you understand how much of a difference even a slight increase in rates can make in the amount of interest you'll pay over the lifetime of your loan.
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Microsoft's Surface Laptop Studio Is $300 Off Today Only at Best Buy
Microsoft's Surface Laptop Studio Is $300 Off Today Only at Best Buy
Creatives and gamers alike -- do you need an advanced laptop for your digital pursuits? The fast, powerful Surface Laptop Studio might be the tool for the job. Whether you're looking to work, play or create, the versatility of a three-position display gives you more options in one machine than ever before.
In seconds, the 14-inch laptop display easily pulls forward to angle over the keyboard for easy streaming or gaming, then in seconds can lay over the keyboard for a nearly flat surface Studio, where you can draw, sketch, take notes and more with the Surface Slim Pen 2 (sold separately). This laptop even features built-in storage and charging for it under the keyboard. Best Buy has currently discounted the premium 2-in-1 Surface Laptop Studio by $300, bringing the price down to just $1,500 during this one-day sale.
Featuring Windows 11, the 14-inch PixelSense touchscreen display has a 2400x1600 screen resolution with a refresh rate up to 120Hz, producing advanced graphics and true-to-life color. It also features Dolby Vision and Dolby Vision IQ, which automatically adjusts to changing lighting conditions. It packs powerful sound in its Quad Omnisonic speakers with Dolby Atmos offering immersive, high-quality sound while you listen to music, stream movies, edit videos, game and more. The 1080p HD smart camera optimizes exposure and lighting automatically, too, and dual Studio Mics provide crisp sound so that you can get the most out of video calling.
With 512GB of storage on a solid state drive and 16GB of RAM, you'll have the space and speed you need to work on whatever projects come your way. The machine also comes equipped with two high-speed Thunderbolt 4 ports, offering you faster charging and data transferring, as well as the ability to connect to an external monitor and more. Plus, all-day battery life makes it easier to stay connected and unlock your creative potential. Get all the versatility and convenience needed for gaming, art, work and more before this deal passes.
Does your next phone really need 5g how it works does your next phone really need 5g how many teaspoons does your next phone really need 5g mobile does your chewing gum lose its flavor does your heart stop when you sneeze what does your pancreas do how long does your period last what does your appendix do
Does Your Next Phone Really Need 5G? How to Decide
Does Your Next Phone Really Need 5G? How to Decide
5G was once synonymous with premium prices, but it's become the norm in most new phones -- even those that cost less than $300 in some cases.
But you might be wondering whether 5G is a necessary in a new a phone. Maybe you're getting a great deal on a refurbished device from a couple of years ago that doesn't support 5G. Perhaps you're eyeballing the iPhone 11, one of the cheapest phones Apple currently sells at $500 but that can't connect to 5G.
For US shoppers, the answer largely depends on what carrier you have, how much you're willing to spend and how long you're planning to hold onto your next phone. Since 5G is available in just about every new phone at no additional cost, there are few reasons not to buy a 5G-enabled phone.
Combine that with the fact that carriers are building out their midband networks -- which offer faster speeds than low-band 5G offerings as well as broader coverage than the fastest millimeter-wave networks -- and the argument for buying a 5G phone is even stronger.
Read more: Not All 5G Is the Same: We Explain the Different Names and Flavors
At the same time, it's important to remember that 5G speeds and coverage will vary depending on your carrier. And 4G phones will continue to function for years to come.
"They're not turning off those 4G networks anytime soon," said Avi Greengart, president and lead analyst for research and advisory firm Techsponential. "Your phone will be dead before you need to worry about it."
Understanding 5G
Figuring out whether you need 5G in your next phone starts with understanding the current state of 5G. All three major network providers in the US offer 5G, and there are three main flavors to be aware of.
There's low-band 5G, which is available broadly but provides similar speeds as 4G LTE, and millimeter-wave 5G, the super fast version that only operates at a short range. You likely won't notice the difference between 4G and 5G when you're on a low-band network. But millimeter-wave networks are so scarce you probably won't find yourself near one on a regular basis unless you frequent busy venues like stadiums, arenas or airports. Even then, the coverage is often only in select locations.
The happy medium between both of these networks is midband 5G, which provides faster speeds than 4G but can also cover much larger distances than millimeter wave. AT&T, Verizon and T-Mobile are all at different phases of their midband deployment, with T-Mobile currently taking the lead. The carrier said in February that its Ultra Capacity network, which is mostly composed of midband spectrum acquired from Sprint, reached 210 million people by the end of 2021. T-Mobile expects to reach 300 million people with its midband network, Ultra Capacity 5G, by the end of 2023.
Verizon, on the other hand, is aiming to cover 175 million people with its Ultra Wideband network, which uses millimeter wave and its midband spectrum, in 2022. AT&T plans to cover 200 million people with its own midband network by the end of the year.
Read more: Apple Needs Another Affordable 5G iPhone
T-Mobile, Verizon and AT&T 5G
Faster 5G Network Reach
Time frame
T-Mobile
210 million people
2021
Verizon
175 million people
2022
AT&T
200 million people
2022
All these technologies can work together to provide better coverage, speed and performance than 4G LTE.
"So we're not just talking about cities, but a lot of the country where people live is covered by T-Mobile 5G," said Greengart. "And so you're going to want to buy a 5G phone both for coverage reasons and for speed."
How much are you willing to spend?
The iPhone 11 from 2019 is one of Apple's cheapest iPhones, but it doesn't support 5G.
Angela Lang/CNET
The biggest factor in determining whether you should buy a 5G phone is how much you're willing to spend. If you have less than $200 to spend on a new device, it might be difficult to find a worthwhile 5G phone.
If your budget allows for spending more than $400, there are several compelling 5G options like the $429 iPhone SE and $450 Galaxy A53 5G. The $450 Google Pixel 6A, which recently launched on July 28, also supports 5G. That's a significant departure compared to when the Samsung Galaxy S10 5G launched roughly three years ago for a sky high price of $1,300.
Cheaper phones may not support all flavors of 5G, namely the fastest millimeter-wave networks, but that shouldn't be a dealbreaker for most people shopping today. With its benefits in speed and range, the three major networks have prioritized midband 5G deployments over the past year. As long as your new phone supports midband 5G, you should be able to connect to faster speeds in more places.
It's important to consider what matters most to you in a phone and how long you're planning to hold onto a device. If you'd rather have a larger screen, a more contemporary design, dual cameras and are planning to upgrade your phone again in two years, the 4G-enabled $500 iPhone 11 might be a better choice than the $429 5G-capable iPhone SE.
But if you're looking for a phone that can get you through the next three years or so, it's probably best to look for a 5G device. Most Android phones in the $400-$500 range have 5G and modern features like multi-lens cameras and large screens.
The situation is different for Apple fans. The only 5G-enabled option under $600 is the 2022 iPhone SE, which has Apple's latest smartphone chip but lacks other staples like a big screen and multiple cameras. That might change this fall when the rumored iPhone 14 launches and Apple drops the iPhone 12 and 12 Mini's price accordingly.
Bob O'Donnell, president and chief analyst for Technalysis Research, says 5G will likely feel more essential in early 2024. By then, carriers will have had more time to build out their midband networks.
"You will get faster speeds," said O'Donnell. "Hopefully by then we'll see some additional services and apps that take advantage of 5G."
The bottom line
Sarah Tew/CNET
To decide whether you need 5G in your next phone, consider how much you're willing to spend, how long you plan to hold onto your phone before upgrading and what type of coverage your carrier provides.
Investing in a new 5G phone is generally the best move if you can afford it since it ensures that your device will feel fast and relevant for years to come. But if your budget is limited, or the 5G phones available to you right now don't fit your needs, you won't be missing out on too much by opting for 4G instead.
"As a purely functional phone, you can't go wrong with a good LTE phone," said O'Donnell.
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Moderna COVID Vaccine Safe for Kids Under 5, FDA Reviewers Say
Moderna COVID Vaccine Safe for Kids Under 5, FDA Reviewers Say
For the most up-to-date news and information about the coronavirus pandemic, visit the
WHO
and
CDC
websites.
Moderna's coronavirus vaccine for kids under 5 is safe and effective, reviewers with the US Food and Drug Administration said in a briefing document released late Friday ahead of an upcoming meeting about granting an emergency use authorization.
"Available data support the effectiveness of the Moderna COVID-19 vaccine in preventing symptomatic COVID-19 in pediatric age groups from 6 months through 17 years of age," the document says.
The FDA's Vaccines and Related Biological Products Advisory Committee is scheduled to meet next week to decide whether the agency should OK Moderna's request for an emergency use authorization of its vaccine for kids from 6 months through 5 years old, as well as a request for kids from 6 through 17 years old. An application from Pfizer and partner BioNTech to authorize their own pediatric vaccine for children under 5 will also be up for consideration.
Currently, kids under 5 in the US still can't receive a coronavirus vaccine. Older children can get Pfizer-BioNTech shots.
Read more: When Can Kids Get the COVID Vaccine or Booster?
Moderna's low-dose pediatric vaccine was found to be 51% effective in preventing symptomatic infection in kids from 6 months to 2 years old and 37% effective in kids 2 to 5, The New York Times said in a report about the briefing document. The FDA cautioned that estimates on the vaccine's effectiveness were based on only a few cases of COVID-19. The agency also said kids would probably need to get a booster shot, as adults already do.
The FDA reviewers said the Moderna vaccine for kids didn't produce cases of inflammation of the heart muscle and surrounding tissue -- myocarditis or pericarditis -- a rare side effect that's a risk for young men who get the Moderna or Pfizer shots, the Times reported.
This week, the White House said that if they're approved, vaccines for kids under 5 could start being administered as soon as June 21 and that 10 million doses would initially be available, The Washington Post reported.
The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.
AVG AntiVirus 2021 - Free Mobile Security - Free download and software reviews Download
AVG AntiVirus 2021 - Free Mobile Security - Free download and software reviews
AVG AntiVirus scans your Android device for malicious software and offers a wealth of related security tools if you buy an annual subscription. The free version, however, is weighed down by intrusive ads and notifications.
Pros
Free or paid malware protection: AVG AntiVirus is available in an ad-supported free edition or through an annual Pro subscription that costs about $7.50. The free version provides antivirus and antitheft tools. With a subscription, you lose the ads and gain device and app locking, app backup, and -- if your Android phone gets lost or stolen -- the ability to take an image of whoever may have swiped it.
Quick scanning: The app opens on the scanning screen. Tap scan, and the app displays scan progress and the results. You can schedule scans to occur daily or weekly, or you can manually activate one. A related security tool watches for malicious Web links as you surf. The app checks for security updates every 24 to 48 hours, according to AVG.
Middling malware detection scores: AVG received passable scores on the suite of tests run by AV-Test, a security and antivirus research firm. On both malware detection and usability, AVG's app scored in the bottom half of the 27 mobile security apps tested.
Cons
Unwanted notifications: The free edition displays unwelcome icons in the status bar, notifying you of other AVG apps or telling you "You forgot something" with a link to get a "limited-time gift."
Misleading ads: After a virus scan, the free version displays misleading ads. One ad in our tests, for example, mimicked a system alert and warned that our device was unsafe and needed cleaning.
Bottom Line
The paid version of AVG offers a broad range of security tools. The app, however, is held back by low to middling scores in malware detection and usability, as well as by the intrusive, misleading notifications and ads that litter the free version.
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Last minute shopper? These stores offer same and next-day delivery
Last minute shopper? These stores offer same and next-day delivery
This story is part of Gift Guide, our year-round collection of the best gift ideas.
If you haven't finished up your holiday shopping, you may be noticing that it's becoming harder and harder to find gifts that you can get delivered in time. We've passed the shipping deadline for several online retailers already, and if you're against going to an actual store to shop you may be feeling a bit hopeless.
There are some stores out there that offer same-day and next-day shipping options in certain areas, so you may be able to pull this off. Keep in mind that these services are not available in all locations and often have specific requirements for order amounts and daily time deadlines.
Below is some information that may be able to help you get the perfect gift for that special someone in time for the holidays.
Read more: Holiday shipping deadlines expired: Do Target, Walmart, Best Buy, Apple curbside pickup instead
Amazon
Amazon's same-day delivery service is available to Prime members in various ZIP codes across the country. To qualify for free same-day shipping you'll need to spend $35 on qualifying products, which are marked as "Prime Free Same-Day Delivery." There is a daily cut-off time and the listing will tell you how much time you have left to order it so you can receive it the same day.
Best Buy
Some Best Buy locations offer same-day delivery on in-stock products. You need to place your order by 5 p.m. local time daily (except Sunday, which is 3 p.m.) to qualify. This service is far more limited than Amazon and Walmart's, but be sure to check and see if you can get anything delivered the same day, otherwise you may want to opt for curbside pickup.
Walmart
Walmart offers free same-day shipping on orders of $35 or more as part of its Walmart Plus subscription. The items will need to be available in your local Walmart for the same-day shipping to happen, otherwise there are a ton of items that are available with free next-day shipping. Walmart Plus members can have anything shipped to their home for free without limits.
Target
Target's same-day delivery service is powered by Shipt, which is a bit different from the others in this list. Shipt is a third-party service that requires a membership in order to get the benefits. One great part of the service is that you can schedule the delivery (within available times) and in some locations you can get the order as soon as 60 minutes after placing it.
Sephora
Sephora has partnered with Instacart for its same-day deliveries. If you're a member of Sephora's Beauty Insider program you can get free same-day delivery through Christmas using code SAMEDAY.
Macy's
Through a partnership with DoorDash, Macy's is able to deliver a lot of items to you the same day or the very next day. Eligible items have a special icon next to them so you can easily identify these as you shop. You will need to pay a $15 fee for orders that would qualify for free standard shipping, or $26 for any other order.
GameStop
For orders placed on GameStop's site or mobile app you can get same-day delivery when you pick "Deliver Today" during the checkout process. It's available up until three hours before your local store closes, and does vary based on inventory at that store.
Costco
While it's mainly for groceries, Costco does offer same-day delivery through Instacart for orders of $35 or more. It's worth noting that the price in the app and the price in Costco's warehouse are often different, so you will likely be paying a little extra on each item for the convenience.
Bed Bath & Beyond
Bed Bath & Beyond may not be the first place you think of, but it offers thousands of items with same-day delivery for a $10 flat-fee. Availability will vary based on local inventory, but it's worth checking to see what it has if you can't find what you want elsewhere.
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The most accurate calorie burn tracker isn't a smartwatch -- and you can make one yourself
The most accurate calorie burn tracker isn't a smartwatch -- and you can make one yourself
Smartwatches are great tools for keeping track of your activity. They can monitor your heart rate during a workout and track your sleep, and some even help manage workout recovery. But severalstudies show smartwatches and fitness trackers don't do as good of a job at calculating calorie burn during activity and can be off anywhere between 40% to 80% of your actual energy expenditure.
A new wearable developed at Stanford University claims to be far more accurate. It's not worn on the wrist -- you put it on your leg.
That's because it measures leg motion, where most of your energy is used during lower body exercises like walking, running, climbing stairs and cycling. It uses two inertial measurement units (IMUs) plus a battery unit and microcontroller worn on the hip. Definitely not as convenient as strapping on a wrist-based smartwatch or tracker, but it's the first proof of concept developed by Stanford University graduate student Patrick Slade.
Measuring calorie burn accurately is important for a number of reasons, but mainly because it can help people manage their weight. "We want to understand the connection between physical activity and obesity so we can develop new interventions to help people live longer, healthier and more fulfilling lives," says Steve Collins, associate professor of mechanical engineering at Stanford University, who co-authored the findings with Slade.
Naturally, I wanted to put this system to the test to see if a tracker worn on my leg could really be more accurate at estimating calories burned than one on my wrist.
Stanford graduate student Delaney Miller wearing the leg tracker.
Andrew Brodhead
Measuring calorie burn is complex
Most consumer wearables use heart rate and wrist-based motion to calculate calorie burn during activity. But heart rate isn't directly related to the energy you are expending, says Slade. "Your heart is just pumping blood through your body and has a bunch of different factors that affect it," he says. "How tired you are, if you had coffee, worked out, this time history makes it really volatile."
Despite the wires, the tracker didn't get in the way during my workouts and is lightweight.
Lexy Savvides/CNET
Instead, his system breaks down motion into each step, then uses a machine-learning model to calculate energy expenditure. It was tested with over a dozen participants of varying ages and weights and averaged 13% error, compared with 40% to 80% error from consumer wearables.
To test its accuracy for myself, I've come to Stanford University's human performance lab, filled to the brim with a range of sophisticated workout equipment including an antigravity treadmill. But for the purposes of testing out this new wearable, only regular gym machines like a stair climber and exercise bike are needed. I'll be doing four workouts for 5 minutes each: walking, running, cycling and stair stepping.
Putting on Slade's system is straightforward. You strap two stretchy bands with the IMUs on your thigh and shin, then wrap a controller and battery around your waist. It feels like I have a small smartphone strapped to my midsection and I don't even notice the wires running down my legs.
I also put on a lab-grade respirometer to measure my actual energy expenditure. This monitors the carbon dioxide I breathe out and the oxygen I breathe in to give me what Slade calls the "ground truth" reading, or my actual calorie burn. It costs tens of thousands of dollars and weighs about 5 pounds complete with mask and backpack, so it's not really the best tool for people to use outside the lab.
Finally, I strap a smartwatch to my wrist to get its calorie estimations. After my workouts, we'll compare results from all three devices.
Once we get a baseline reading from the respirometer, I start working out. I know I'm not going to be setting any pace records with all these tools strapped to my body, but fortunately that doesn't matter -- we're only tracking energy expenditure.
The results are in -- and they're surprising
After gathering all the data points from each device, Slade walks me through the results. For running, the respirometry device said I burned 87 calories, the leg wearable 66 calories and the smartwatch 52 calories. You can see the rest of the calorie counts per exercise in the video on this page, but across all four workouts, the leg wearable error rate was 14% compared with 58% from the watch on my wrist. Turns out the watch was underestimating my overall calorie burn during each exercise, but Slade tells me it could overestimate for someone else. "People can't necessarily just scale the smartwatch estimates by a fixed amount to make them accurate for everyone," he says.
For now, this leg-based system only works for lower-body exercises, but he's already thinking of ways to make a version that can also take into account upper-body movement like weightlifting. "Maybe using an IMU in your smartwatch to get that arm motion, if you're doing a rep you could perhaps use the same modeling approach," he says. The research paper also encourages smartwatch engineers to use its method to improve calorie tracking effectiveness.
You can't buy this new wearable, but you can make it yourself. All of the instructions and code were made available in the hopes this will help speed up development. Slade is also working on a smaller and lighter version that could be integrated into clothing and maybe even use a smartphone as the controller.
For these sorts of trackers viable, they'll need to be affordable and small enough to wear all day, so we can track our energy expenditure on a second-by-second basis. "So you can really understand which activities led to the energy expenditure and how intense it was," Collins tells me. The end goal? By tracking our activity more accurately, wearables will be able to give us personalized insights into how to exercise or manage our weight.
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New Universal Music band Kingship is a few bored, virtual apes who're also NFTs
New Universal Music band Kingship is a few bored, virtual apes who're also NFTs
One of the world's largest music labels is exploring entertainment in the metaverse. Universal Music Group is already home to some of music's biggest names, but now its label 10:22PM is launching the music group Kingship, made up of some famous NFTs, or nonfungible tokens.
Four virtual apes from the Bored Ape Yacht Club collection of NFTs comprise a "metaverse group," Universal said Thursday. The team behind Kingship will eventually put on performances and release original music.
"Just as we would with any artist or creator, my team and I will work with Kingship to sharpen their vision and develop their unique sound," Celine Joshua, founder of the label 10:22PM, said in a press release. "Each member of the group has their own story and personality that influences and contributes to Kingships's overall narrative."
10:22PM will create backstories for the apes and eventually sell NFT performances, providing buyers with unique musical experiences, Bloomberg reported. Alongside concerts in the metaverse, the group represents a "new area of NFT ownership," said Jimmy McNeils, the owner of the four NFTs that make up the group.
NFTs have already been big money for some owners. The Bored Ape Yacht Club is a collection of thousands of unique digital artwork depicting, well, bored apes. At the end of October, one sold for $3.4 million. Two of the NFTs in Kingship are currently valued at about $125,000, according to OpenSea, an online NFT marketplace.
It's unclear when the first performance or musical NFT will be available to potential fans. Universal Music Group didn't immediately respond to questions about any timeline.
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Electric Vehicle Tax Credit Would Extend Buyer Discounts Under Proposed Senate Deal
Electric Vehicle Tax Credit Would Extend Buyer Discounts Under Proposed Senate Deal
A newly proposed Senate deal would extend the consumer tax credit for many electric vehicles sold in the US, including used cars. As reported Wednesday by Bloomberg, if the bill passes, buyers could get a tax credit for purchasing electric vehicles even from automakers currently excluded from the existing deal, like GM, Tesla and Toyota.
The tax credit would allow automakers to offer $7,500 back to customers, and buyers of used vehicles could get back $4,000. However, there are multiple conditions that must be fulfilled.
The critical minerals used to construct the battery must be mostly extracted or processed in a country that has a free trade agreement with the US, or recycled in North America. Before Jan. 1, 2024, that means at least 40%, and it rises 10 percentage points every year until reaching 80% in 2027.
The components of the battery must also be constructed or assembled in North America at a rate of 50% in 2024, and 10 percentage points more every year until hitting 100% in 2029.
There's also a price cap of $55,000 for new cars and $80,000 for pickup trucks, vans and SUVs. Add to that an income cap of who can claim the tax credit: $150,000 if you're single, or $300,000 if you joint-file tax returns.
Read also:Best Electric Cars for 2022
On the plus side, It removes the 200,000-vehicle cap on automakers, which previously disqualified purchasers of GM, Tesla and Toyota models from getting the tax credit.
The new tax credit is being included as part of the Inflation Reduction Act of 2022. Senate Majority Leader Chuck Schumer, a Democrat from New York, reached a deal with Sen. Joe Manchin, a Democrat from West Virginia, who now says he'll support the bill, likely giving Democrats the majority needed for it to pass without any Republican support. Just this month, Manchin said he wouldn't support such legislation. Schumer called the deal "big news" late Wednesday.
"The Inflation Reduction Act of 2022 will put the US on a path to roughly 40% emissions reductions by 2030," Schumer tweeted.
Neither GM, Tesla nor Toyota immediately responded to requests for comment. The Senate has yet to vote on the bill.
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Harrowing Social Media Videos Capture Pakistan's Deadly Floods
Harrowing Social Media Videos Capture Pakistan's Deadly Floods
There are too many heartbreaking images to count of the widespread flooding in Pakistan that's already taken the lives of over 1,100 people, caused an estimated $10 billion-plus in damage and displaced millions.
The flooding is being attributed to a historic monsoon season of seemingly never-ceasing rains that have led to flash floods in the northern province of Khyber Pakhtunkhwa along the Kabul River and the Swat Valley. Numerous clips show the raging waters rolling massive boulders through towns, washing out concrete bridges and turning homes and even large hotels into driftwood.
But there are also inspiring images of heroism and bravery, the likes of which often pop up in the midst of calamity. Rescue teams have been deployed across the country armed with rafts and ingenuity, and plenty of individuals have swung into action at a moment's notice as well.
Farther south, the low-lying and heavily populated provinces of Sindh and Balochistan have become vast wetlands in places, with countless families pitching tents on the side of road beds or on whatever dry patch of land they can find.
"Literally, one-third of Pakistan is underwater right now, which has exceeded every boundary, every norm we've seen in the past," Pakistan Climate Minister Sherry Rehman told AFP.
It will be a while before scientists can assess how much climate change may have played a role in these historic monsoons, but NASA points out that the flooding has been exacerbated by the ongoing melting of Pakistan's 7,000 glaciers, which can be attributed in part to human-caused warming. The nation is home to the most glacial ice beyond the polar regions.
Officials are cautiously optimistic that flood waters are now beginning to recede, but it will be years before the country can begin to return to normal in most aspects.
If you'd like to help Pakistan relief efforts, there are a number of donation portals to check out, including one set up by GoFundMe, the international aid group CARE, and the Pakistan-based Alkhidmat Foundation.
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Asus RT-AX86U Review: One of the Best Wi-Fi 6 Routers for the Money
Asus RT-AX86U Review: One of the Best Wi-Fi 6 Routers for the Money
Like
Terrific use of Wi-Fi 6, with fast speeds and excellent range
Best-in-class latency management
Multi-gig WAN port
Full-featured app with device prioritization
Don't Like
Somewhat bulky design
No additional 5GHz band for dedicated gaming traffic
"Smart Connect" band steering slows down average speeds
Before Wi-Fi 6 came along, the Asus RT-AC86U clobbered fancier, more expensive competitors in the gaming router category. The speeds were fast and consistent, the lag was nice and low, the features were deep -- and the price tag wasn't too painful. I liked it so much that it didn't just find a spot atop our list of the best gaming routers: It sat high on our list of the best routers, period.
Asus followed that one up with a new model, the Asus RT-AX86U, available now for $250. As the addition of an "X" in the model number might suggest, it supports 802.11ax, better known as Wi-Fi 6. That means that in addition to the existing, gaming-centric features like device prioritization and open NAT port forwarding, it supports new Wi-Fi 6 features like 1024-QAM and OFDMA that make your home network faster and more efficient.
At $250, the RT-AX86U is a definite step up from entry-level Wi-Fi 6 routers like the $70 TP-Link Archer AX10 and the $150 Linksys MR7350 , but neither of those felt like much of an upgrade when I tested them out at my home. The RT-AX86U easily outperformed each of them and felt every bit the part of a top-of-the line access point as I used it. In our lab, it registered impressive top speeds, clocking in with local transfer rates on the 5GHz band as high as 1.8 Gbps at wireless distances of up to 37.5 feet (at 75 feet, speeds only fell to about 1.4 Gbps). In my home, it maintained low latency better than any router I've ever tested, which is exactly what you're looking for if you're a gamer, and terrific even if you aren't. $250 for a router like that doesn't seem unreasonable to me in the slightest.
In sum, this router checks all of the boxes. It's fast, it's full-featured and easy to use, and even without Wi-Fi 6E, it feels sufficiently future-proofed with a WAN port that supports incoming speeds as high as 2.5 Gbps. Gamer or not, this Editors' Choice-winning router belongs right at the top of your wireless networking wishlist.
The Asus RT-AX86U, available now for $250.
Ry Crist/CNET
Specs and features
The RT-AX86U is a dual-band AX5700 router, which means that it supports Wi-Fi 6, and that the top theoretical speeds from its 2.4 and 5GHz bands add up to 5,700 Mbps, or 5.7 Gbps. Don't let that figure mislead you -- those numbers are based on optimized, lab-based tests that don't take real-world factors like distance, interference and physical obstructions into account, and you can only connect to one band at a time. Translation: Your actual speeds will be a lot lower.
That's not to say that they'll be slow, though. The router boasts of top transfer rates of up to 4,804 Mbps on the 5GHz band and 861 Mbps on the 2.4GHz band, and it also features a 2.5 Gbps WAN port that allows for multi-gig incoming wired speeds from your modem. All of that makes it a good pick if you're living in a home with a gigabit internet plan, and support for 4x4 MU-MIMO connections on the 5GHz band makes it easier for the router to handle multiple devices at once, or to aggregate multiple lines of traffic to devices that use multiple antennas.
In our lab, with a MacBook Pro wired to the router's extra-speedy WAN port, we were able to transfer files wirelessly to a Wi-Fi 6-equipped PC at a maximum rate of 1,795 Mbps, or nearly 1.8 Gbps. Even after we increased the distance between the MacBook and the client PC to 75 feet, speeds only fell to about 1.4 Gbps. Keep in mind that you'll only be able to pull data from the cloud as fast as your ISP plan allows, but still, this is a very capable piece of hardware.
The Asus app offers a bounty of gaming-centric features that promise to boost your network performance while you play.
Screenshots by Ry Crist/CNET
Asus gaming routers also boast a very well-featured app, with lots of settings and tricks to help you tweak your network connection as you see fit. Along with the adaptive quality of service engine for prioritizing traffic to specific devices on your network, you can just tap a button on the home screen to launch Mobile Game Mode, which instantly prioritizes traffic to your phone. There's also an Open NAT database of game- and platform-specific port forwarding rules that can help ensure the best possible performance when you're playing online with friends.
Beyond the gaming-centric features, the RT-AX86U also includes the usual options for things like parental controls and guest network management. On top of that, it supports Asus' AIMesh feature, which lets you add additional Asus devices to the network to create a mesh. If you're already using an Asus router that supports AIMesh, you can upgrade to this one and use the old one to extend its range.
The RT-AX86U averaged impressive speeds on the 5GHz band -- but the SmartConnect feature, which automatically steers your connection between the 5 and 2.4GHz bands, brought those averages down by too much. Thankfully, you can turn it off.
Ry Crist/CNET
At-home speed tests
At my home, a smallish, shotgun-style house where I have an AT&T fiber internet connection of 300 Mbps, the RT-AX86U was able to hit max speeds at close range on the 5GHz band, which isn't surprising at all. What was surprising as I ran speed test after speed test was that the router was able on occasion to hit download speeds above 400 Mbps. Those were isolated spikes, mind you -- the ISP limit always pulls that average back to down to what you're paying for, and in this case, the final close-range average rang in at 339 Mbps.
Still, I don't think I've seen any other router notch a result above 400 Mbps in this test before. If your router is a bunch of balloons, and your ISP speed is a kid holding the string that keeps them from flying away, then the RT-AX86U was strong enough to lift the kid off the ground an inch or two.
All told, I ran dozens of speed tests over the course of about a week from multiple spots throughout my home. The 5GHz band was able to keep me covered throughout most of the space, though my average download speeds did fall to about 70 Mbps in my back bathroom, which most routers I test struggle to cover. 70 Mbps is better than most single-point routers I test are capable of in that dead zone, but most of the mesh routers I've tested are able to keep speeds back there up above 150 Mbps. If you're more concerned with covering a big space than you are with high-speed gaming, then a mesh router like that might be a better choice.
The Asus RT-AX86U (yellow) delivered fast speeds throughout my home -- not quite as fast as fancier Wi-Fi 6 routers that cost hundreds more, but noticeably faster than entry-level Wi-Fi 6 routers that cost less.
Ry Crist/CNET
In the end, the average download speed across all of my tests from all corners of my house was 218 Mbps. That's a good result, but not as strong as fancier Wi-Fi 6 routers, including the Netgear Nighthawk AX12 and Asus' own RT-AX89X, which clocked in at 250 and 289 Mbps, respectively. Just keep in mind that each of those costs hundreds more than the RT-AX86U.
As for entry-level Wi-Fi 6 routers that cost less, the TP-Link AX1500 and the Linksys MR7350 each felt underpowered in my tests, with whole-home average speeds of 189 and 97 Mbps. The RT-AX86U is a worthy upgrade over each of those.
After testing both the 5GHz and 2.4 GHz bands throughout my home, I turned on the SmartConnect feature, which combines both bands into a single, unified network. With SmartConnect, the RT-AX86U automatically "steers" you between the two bands depending on which one it thinks is better for your connection -- but speeds fell noticeably after turning it on, and I saw inconsistent performance depending on how close I was to the router when I'd first connect to the network. If I connected at a distance, where the 2.4GHz signal strength was stronger, and then moved close to the router, where the much faster 5GHz band is ideal, the router wouldn't realize it and steer me to the 5GHz band without me disconnecting and reconnecting. That's not what you want at all.
That said, I re-tested the RT-AX86U in 2022 after upgrading my home network to gigabit speeds, and didn't see nearly as much of a bandsteering issue, so perhaps the firmware has gotten smarter. And, in fairness to Asus, the bandsteering feature might be designed with a mesh setup in mind, so once I get a chance to test it out in a setup like that with other Asus devices on the network extending the system's range, I'll update this space. But for most users, especially those using the RT-AX86U on its own, I'd recommend turning the feature off and just sticking to the 5GHz band for most of your heavy traffic if speeds seem lower than you'd expect.
The leader in latency
One last point on performance (and I really can't stress this enough): The RT-AX86U is flat-out fantastic at handling latency, easily the best router I've ever tested when it comes to lag.
Each of these graphs show you how much lag I recorded across 90 speed tests for a single router. Routers that keep the colored line closer to the center of the graph are better -- and the RT-AX86U (purple) is the best I've ever tested.
Ry Crist/CNET
Lag, or ping, is a measurement of how long, in milliseconds, it takes your router to send a signal to a specific server and receive an answer. In my speed tests here at home, I always ping the same server in Lexington, Kentucky, about 80 miles away, and I record the ping time for each and every test. Each router I review goes through a minimum of 90 speeds tests, so that adds up a lot of data on lag.
Now check out those radar graphs. Each one shows the lag results of those 90 speed tests for a single router. The colored circle graphs each one's ping time across those tests. Spikes represent tests where the lag was unusually high, so the closer each line stays to the center, the better.
Just about every router will see occasional spikes at some point in my tests -- but not the RT-AX86U. It never, ever registered a lag time any higher than 20 ms, which is why the purple line representing its lag results looks like such a tight ring around the bullseye. That pattern held up here in 2022, when I ran my tests again on a gigabit connection -- the RT-AX86U never returned a ping value any higher than 16ms.
Ry Crist/CNET
The verdict
The RT-AX86U is a highly capable router that takes good advantage of Wi-Fi 6, and it offers lots of extra appeal for gamers. You'll enjoy better range of coverage with a mesh router, and it suffers from inconsistent band-steering -- but thankfully, you can turn that feature off and just stick to the isolated 5GHz band, which offers fast top speeds and enough range to bring adequate coverage to small-to-medium-sized homes.
I think the price is right, too. At $250, the RT-AX86U is more expensive than an entry-level Wi-Fi 6 router like the TP-Link Archer AX10 or the Linksys MR7350, but it justifies the cost with superior performance, decent features and steady, reliable networking, and it can even compete with fancier-looking gaming routers that cost hundreds more. It's an excellent pick and a clear Editors' Choice winner -- not just among gaming routers, but among routers, period.
