What Is Home Equity?

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What Is Home Equity?

Most homeowners now have more equity in their homes than they did two years ago, thanks to surging home values during the pandemic. That means right now is a good time to consider tapping into your home equity if you're looking to borrow money at a lower interest rate than you might get with other types of loans such as personal loans. Home equity is the difference between what you owe on your mortgage and the current market value of your home.

You build equity in your home by consistently making mortgage payments over the years. Equity is valuable because it allows you to borrow money against your home at lower interest rates than other types of financing. Once you have enough equity built up in your home, lenders and banks will allow you to borrow against it. Some of the most common reasons to borrow against your equity are to pay for life expenses such as home improvements, higher education costs such as tuition, or to pay off high-interest credit card debt.

Most lenders want to see that you've built up at least 15% to 20% in equity in order to let you borrow money against your house in the form of refinancing or other kinds of home equity loans. One of the simplest ways to ensure you have a good chunk of equity in your home is to make a large down payment if you are able to. 

For a typical homeowner with a 30-year fixed-rate mortgage, building up 15% to 20% usually takes about 5 to 10 years. Even if you paid less for your home when you bought it years ago, your equity is based on the present-day value of your house. If, for example, your home is currently worth $500,000 and you have $400,000 left to pay on your mortgage, you would have $100,000 of equity in your home.

Here's what you need to know about home equity, what it is, how to calculate it and why it's important to homeowners. 

How do you calculate home equity?

To calculate your home equity, simply subtract your remaining mortgage balance from the current market value of your home. So if you owe $400,000 on your mortgage and your house is worth $500,000, you have $100,000, or 20% equity in your home. You may need to work with an appraiser or real estate agent in order to get an accurate evaluation of your home's fair market value, especially since home values have risen by record-breaking amounts since the beginning of the pandemic. 

Ways to borrow against home equity 

There are various ways to access the equity in your home. Some of the most common equity financing options are home equity loans, home equity lines of credit (or HELOCs) and reverse mortgages. It's important, however, to keep in mind that all of these options require you to put up your home as collateral to secure the loan, so it's critical to understand that there's a risk of losing your home to foreclosure if you miss payments or default on your loan for any reason. 

Home equity loan

A home equity loan lets you borrow money against the equity you've built in your home and provides you with a lump sum of cash at a fixed interest rate. Lenders typically want to see that you have at least 15% to 20% in your home to approve you for a home equity loan. A home equity loan doesn't replace your mortgage like a refinance, rather, it's an entirely new loan that you'll repay monthly along with your existing mortgage payment. But just like a mortgage, with a home equity loan, your interest rate never changes and your monthly payments are fixed, too.

HELOCs

A home equity line of credit, or HELOC, is a type of loan that lets you borrow against the equity you've built up in your home and functions like a credit card. It provides you with an open line of credit that you can access for a certain amount of time, typically 10 years, followed by a set repayment period, which is usually 20 years. Lenders also generally want you to have at least 15% to 20% in your home for HELOC approval. With a HELOC, you don't have to take all of your funds out at once, and you can withdraw money repeatedly from your HELOC over the 10-year period, once previously borrowed sums are paid back.

"A HELOC offers more flexibility than a home equity loan -- you can't withdraw money from a home equity loan like you can with a HELOC, and a HELOC allows you to receive replenished funds as you pay your outstanding balance," said Robert Heck, VP of Mortgage at Morty, an online mortgage marketplace.

HELOCs have variable interest rates however, so it's important to make sure you can afford higher monthly payments if your rate goes up once your introductory interest rate expires, especially in the current economic climate. 

Reverse mortgage  

You must be 62 years or older to access a reverse mortgage and have either paid off your home or have significant equity accumulated, usually at least 50%. With a reverse mortgage, you do not have to make monthly mortgage payments and the bank or lender actually makes payments to you. You must still pay your property taxes and homeowners insurance and continue to live in the house, however. A reverse mortgage allows you to access the equity in your home and not pay back the funds for an extended period of time while using them for other expenses during retirement. It's important to keep in mind that you are building a mortgage balance back up as you borrow against your equity, and your estate will eventually have to pay off your loan. A common way to repay this loan is to sell your house. 

The bottom line

Unlocking the equity in your home can be a valuable way to access financing to cover other life expenses. It's important to understand the differences between the kinds of equity loans available to secure the best one for your particular financial situation. When comparing ways to access equity, always take into account the interest rate, additional lender costs and fees, and the size of the loan and how it will be disbursed to you, as well as the amount of time you have to pay it back, before you enter into an agreement to borrow against the equity in your home. 

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Stock Up on Home and Dorm Essentials With Big Savings on Amazon Brands

Stock Up on Home and Dorm Essentials With Big Savings on Amazon Brands

Sending your kid off to the dorms this week for their first semester at college? While you've probably already picked up a laptop, furniture and other college necessities, you don't want to send them off without some household essentials as well. That means things like trash bags, laundry detergent, paper towels and other supplies that your student likely won't think about until they need them.

Right now, Amazon is offering big discounts on a huge selection of cleaning supplies, personal care products and other dorm and household essentials so you can stock up for less. There's no set expiration on these deals, but given that the back-to-school season is coming to a close, we don't expect them to last for long. 

You'll find a huge selection of household necessities available for less at this sale. And you don't have to be a college student to take advantage of these offers. If you need to stock up on cleaning supplies, you can pick up basics like this three-pack of Solimo disinfecting wipes for just $7, or this $9 box of Amazon Basics dry floor cloths for cleaning up dust and pet hair. There are plenty of personal care and wellness products on sale as well. You can grab this bottle of Amazon Aware hydrating face cleanser for just $13, $4 off the usual price, or pick up a bottle of melatonin gummies< /span> to help you get a good night's rest for just $10, $3 off the usual price. There's plenty of other deals on laundry detergent, storage bags, razors, coffee and much more as well, so be sure to shop around.

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'Keep Sweet: Pray and Obey' -- What Happened to Warren Jeffs and the FLDS?

'Keep Sweet: Pray and Obey' -- What Happened to Warren Jeffs and the FLDS?

Keep Sweet: Pray and Obey is a brutal, often disturbing Netflix documentary about the effects of absolute power when placed in the hands of horrific men drunk on the worst aspects of fundamentalist religion. If you've just watched the documentary and have some questions, we've got answers.

If you or someone you know is impacted by sexual abuse, assault or family violence, call the National Domestic Violence Hotline at 1-800-799-7233 or visit  www.thehotline.org . You can also text HOME to 741741 connect with a Crisis Counselor. In an emergency, call 911.

Where is Warren Jeffs now?

Warren Jeffs was convicted of two counts of child sexual assault in 2011. At that time Jeffs was already behind bars for being an accomplice to rape, a crime he was convicted of in 2007 after spending a year on the FBI's most wanted list.

Jeffs is serving time at Louis C. Powledge Unit, a prison in Palestine, Texas. He was given a life sentence plus 20 years back in 2011. He won't be eligible for parole until July 2038. 

In 2007, while in prison, Jeffs tried to hang himself. He's also taken part in lengthy hunger strikes. In 2009 a judge ordered he be force fed as a result. In 2011 he was put into an induced coma after excessive fasting. In 2019 his own lawyers said Jeffs had "suffered a mental breakdown" and was not fit to provide admissible testimony in an additional deposition for the alleged abuse of an underage child.

What happened to the FLDS?

The FLDS is still up and running and, according to one documentary released in 2018, Warren Jeffs is allowed visits from family in prison and still runs the sect to this day.

Current members still treat Warren Jeffs as their prophet and believe he was wrongly convicted. As per reports, church membership oscillates between 6000 and 10,000. 

According to some members of the group, members have to take time to pray for Jeffs' release.

What happened to 'Zion'?

The Yearning for Zion Ranch, AKA the YFZ Ranch was seized by the State of Texas in 2014. It was a 1,700-acre ranch and home to over 700 members of the FLDS. After multiple raids on the ranch, Texas finally took physical possession of the ranch on April 17, 2014.

Where is the FLDS based now?

If you watched the show you'll know FLDS headquarters were initially in Short Creek in Arizona. Since the takeover of the YFZ Ranch, newer church settlements have been built in Pringle, South Dakota, Mancos, Colorado, Minot, North Dakota and Grand Marais, Minnesota.

What has the Mormon Church said about Warren Jeffs and the FLDS?

In 2006 the Mormon Church sent out a statement saying it was "misleading and inaccurate" to call Warren Jeffs a Mormon. The Church of Jesus Christ of Latter-day Saints discontinued the practice of polygamy in 1890 via a 'Manifesto'. In 1904 a second 'Manifesto' established excommunication as a punishment for those who refused to stop the practice of polygamy.

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Are USDA Loans Available to Everyone? How to Know if You Qualify

Are USDA Loans Available to Everyone? How to Know if You Qualify

USDA home loans offer a path to homeownership for those with lower incomes and for people who are looking to buy a home in certain areas of the country. 

These mortgages are backed by the US Department of Agriculture as part of its Rural Development program, which promotes homeownership in smaller communities nationwide. If you don't have enough money saved for a down payment or if you've been denied a conventional loan, you may have a good chance of qualifying for a USDA loan. 

Don't rule out a USDA loan for yourself even if you aren't moving to an especially rural region, as many suburban areas qualify, too. This means even if you're moving just outside of a city to get more square footage and land, chances are pretty high that you're moving to a USDA-designated area. 

Here is everything you need to know about USDA loans, how to qualify for one and whether it's the right type of home loan for you.

What is a USDA loan? 

USDA loans are insured by the Department of Agriculture and have interest rates that are often lower than rates for a traditional mortgage. In contrast to conventional loans and FHA home loans, which both require a down payment, you can qualify for a USDA home loan with 0% down. USDA loans can also be easier to qualify for, even if you've been turned down for a traditional mortgage. 

So why have you never heard of them? There's one major downside: These loans are only available to lower-income buyers in designated USDA rural and suburban locations. And while most of the US landmass is technically considered rural, over 80% of the population live in the 3% of cities and urban areas that are excluded from this loan program.

Types of USDA loans

USDA-guaranteed loans are the most common type of USDA mortgage, but there are also two other types of USDA loans: direct and home-improvement home loans. The lowest-income buyers who may be unable to get a conventional loan might be eligible for a USDA direct loan, financed by the USDA with rates as low as 1%. If you're looking to improve a home you already own, you can also apply for a USDA home-improvement loan or grant.

USDA-guaranteed loans are obtained through a private lender -- like a conventional loan -- but are backed by the government. This offers a major benefit for private lenders because if you default on your loan, the USDA vouches to repay the lender. Just like a conventional loan, if you put down less than 20%, you'll need to pay for mortgage insurance. Because of that government backing, USDA mortgage insurance is cheaper than other mortgage types.

What are the USDA loan requirements?

There are three main factors the USDA considers when determining your eligibility. First, you must buy a home in a designated area. Next, your household income cannot exceed USDA income thresholds for your place of residence: 15% above the local median income. Finally, you'll need a credit score of at least 640, though contributing some cash toward a down payment can negate this requirement. If you meet the first two specifications but have a low credit score, you might still qualify for a USDA direct loan or FHA loan.

Otherwise, the requirements are straightforward. You must be a US citizen, green-card holder or noncitizen national. Your mortgage payment cannot exceed 29% of your monthly income, and your debt-to-income ratio must be no more than 41% of your monthly salary. You'll also need to use the home as your primary residence, have no history of breaking mortgages or commitments to other federal programs, and meet any other lender-specific requirements.

How to apply for a USDA loan

When applying for a USDA loan, you'll need to submit documentation to prove your identity and income levels, just as you would for any financing agreement. Plan on submitting a copy of your driver's license or passport, your Social Security card, your previous two years' tax returns and pay stubs, and recent bank statements.

You may also be asked to turn in additional documentation if you do not have a credit score, apply with nontraditional credit or have unpredictable income. You can review the complete list of requirements on the USDA website.

Advantages of USDA loans

No down payment requirements

If you can't afford a down payment, you can still qualify for a USDA mortgage.

Lower Interest Rates

You can lock in a lower interest rate with a USDA loan than a conventional loan, especially if you have a good to excellent credit score. This could save you tens of thousands of dollars in interest over the lifetime of the loan.

Less expensive mortgage insurance

Although USDA loans do require mortgage insurance called a guarantee fee, it's much more affordable than private mortgage insurance and FHA insurance. You'll pay an upfront fee at closing equal to 1% of your loan amount and 0.35% of the loan amount annually (as of 2021). 

More thorough appraisal

Lenders order an appraisal to determine a property's value before finalizing your loan. This ensures they are not lending you more money than the home is worth, protecting their investment. USDA appraisals have stricter guidelines than conventional loans, which could save you from pulling the trigger on a home requiring expensive repairs.

Designed for low-income buyers

If a conventional lender has turned you down because of your income, a USDA loan can still offer you a path to homeownership. 

USDA loan limitations

Strict income eligibility requirements

USDA loans are not for everyone. They are designated for low-income Americans who cannot qualify for a traditional mortgage. 

Limited to properties in rural areas

If you live in a city or outside a designated area, you won't be eligible for a USDA loan.

Longer buying process

Guaranteed USDA loans typically have longer application and closing processes since the loans are underwritten twice -- once by the private lender and then by the USDA. 

Pay more over time

Although USDA loans are designed to make homeownership more affordable, the mortgage insurance requirement could mean that you pay more over the lifetime of your home loan.

No option to cancel mortgage insurance

You can cancel PMI on conventional mortgages (and even sometimes on FHA loans) once you reach a certain equity level. The guaranteed fee on USDA mortgages might be cheaper, but it lasts for the lifetime of the loan.

Is a USDA loan right for you?

These mortgage programs are more affordable than traditional mortgages, but they're only possible if you do not exceed the income limits and are buying a home in a designated rural area. If you're just above the income threshold or want to live in a city, you'll need to explore other mortgage options.

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John McEnroe's Tennis Advice to 'Never Have I Ever' Actor Jaren Lewison Was 4 Words

John McEnroe's Tennis Advice to 'Never Have I Ever' Actor Jaren Lewison Was 4 Words

This story is part of I'm So Obsessed (subscribe here), our podcast featuring interviews with actors, artists, celebrities and creative types about their work, career and current obsessions.

Mindy Kaling and Lang Fisher, who created the popular Netflix series Never Have I Ever, are pioneers. At least that's what actor Jaren Lewison, who plays Ben Gross, told us in an interview for CNET's I'm So Obsessed podcast. And I have to agree.

"They've created such a groundbreaking show that is doing so much in terms of diversity inclusion, while simultaneously being so multidimensional, brilliant, relatable, heartwarming and witty," said Lewison during our interview. 

Never Have I Ever follows an Indian-American teen named Devi as she navigates her way through school, her social life, her feelings and family. The show is loosely based on Kaling's childhood. Never Have I Ever straddles the line between high school comedy and drama by being ridiculously funny one moment and gut-wrenchingly awkward another.

Lewison's Ben has an interesting character arc on the series, and his relationship with Devi morphs over the show's three seasons.

"The biggest thing, especially in season three, for Ben was pressure. And that is a bit of a pun: both like internal and a bit of external pressure," said Lewison. "I was feeling some of that pressure in my real life because I had just graduated from USC, and the show wrapped shooting this past summer for the fourth season. And when I was watching the third season, and throughout a lot of these interviews and talking about it, I was like wow, Ben's really struggling with opening up and learning that the perfect plan that he has in his head is not exactly how life works."

You can listen to my entire conversation with Lewison in the podcast player above. During my interview, he shares what it was like being on one of the most popular shows on the planet while attending college. He also explains his obsession with tennis and what tennis legend John McEnroe, who narrates Never Have I Ever, told him when Lewison asked for advice.

"I told John, 'I need some help with my topspin and my backhand. And he was like, 'Yeah, you'll be fine.'"

Watch the first three seasons of Never Have I Ever on Netflix . Subscribe to I'm So Obsessed on your favorite podcast app. In each episode, Connie Guglielmo and I catch up with an artist, actor or creator to learn about their work, career and current obsessions.

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Snapchat just made it super-easy to design a custom filter on the fly

Snapchat just made it super-easy to design a custom filter on the fly

Ever wanted to create your very own Snapchat filter for a party or wedding, but didn't know where to start? Instead of paying someone on Fiverr or Etsy to do it for you, Snapchat's new tool has filter templates you can create in minutes. You can go through the process on your computer, or use the Snapchat app on your phone. 

From your computer

Screenshot by Jason Cipriani/CNET

To get started, visit geofilters.snapchat.com. You don't have to log in to your account to mess around with the templates and get an idea of how the process works. However, if you do log in you'll have access to your personal Bitmoji stickers.  

Snapchat currently has filters for eight different categories: Graduation, summer vibes, wedding, bachelor(ette), birthdays, baby shower, celebration and love. 

Step 1: Select a category, then find a filter that fits your personal tastes. Use the tools on the right side of the page to add your own text or change the placeholder text. Alternatively, you can upload your own filter creation. Click Next when you're happy with the filter.

Step 2:  Choose the date and time you want the filter to be active for. 

Step 3: Create a geofenced area using the map. Snapchat requires a minimum 20,000-square-foot area geofence and will let you know if you need to expand your selected area to meet its criteria. Custom filters start at $5.99 and increase in cost depending on size of the geofence and the amount of time the filter will remain active. Each time you adjust the size of the geofence, the price estimate will update to let you know the correct price. 

Tip: Choose a geofence larger than the actual venue. Since GPS reception can be wonky -- especially at remote wedding locations -- a wider range helps make sure your guests don't miss the filter.

Step 4: Fill in the submission form, which requires a name for the filter and payment info. Snapchat will review your filter, and if approved, charge your payment info. 

From the app

Screenshots by Jason Cipriani/CNET

Using the Snapchat app, the process is nearly the same, although a bit more streamlined. To view the On-Demand Geofilter tool in the app, open Settings and select On-Demand Geofilter. The first time you visit this section of the app, a brief explainer will show up. Future visits will show you a list of previously created filters. 

Step 1: Pick a category for the filter. 

Step 2: Choose a predesigned filter, then edit or add the text, and add emoji or Bitmoji. Almost everything on the screen can be adjusted or moved. Tap and swipe around to get the hang of it. 

Screenshot by Jason Cipriani/CNET

Step 3: Pick a start and end time, along with a location for the filter. The app will default the location to the 20,000-square-foot minimum based on your current location. However, you can search for venues or adjust the location with the search bar at the top. As with the process via computer, the price will be adjusted as you adjust the size of the geofence. 

Step 4: Give the filter a name, then submit it and wait for Snapchat's approval. I created a filter when working on this article and it was approved within a few seconds. You will receive an email once it's approved. 

Step 5: Pay for the filter! Don't forget to open the app and process payment. Your filter will not show up until you've paid for it.

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The Best Comedies on Netflix You Absolutely Need to Watch

The Best Comedies on Netflix You Absolutely Need to Watch

Looking for a good comedy on Netflix? It can be tricky.

That's why we've decided to make this list. We'll endeavour to keep this as up to date as possible!

Let's get started.

The best comedies on Netflix

Getty Images

Anchorman

Anchorman might be one of the most influential comedies of all time. Parts of it haven't necessarily aged well, but that's true of comedy as a genre. What remains is probably Will Ferrell's most iconic performance ever. In fact, everyone rules in this movie. Just an incredible suite of comic actors working at the peak of their powers. 

Universal

Happy Gilmore

Happy Gilmore is Adam Sandler's funniest movie. Easily. It's the ultimate stoner movie, just a collection of iconic sequences. The intro scene is the best, Sandler beating up the clown statue at the mini golf is the best, Sandler being beat up by Bob Barker is also the best. Also -- Shooter McGavin is the greatest comedy villain of all time. It's not even close.

New Line

Dumb and Dumber

Dumb and Dumber is just one of those movies. It's peak goofball Carrey and peak Farrelly brothers back when the Farrelly brothers were relevant. Like all comedies from that era, it's aged terribly, the jokes are ridiculously offensive and weird. But come on man... it's Dumb and Dumber. 

Doane Gregory/Netflix

The Adam Project (2022)

Personally, I'm well over Ryan Reynolds and his schtick, but if you're looking for a people-pleasing comedy action flick, you could do way worse than The Adam Project.

Video screenshot by Amanda Kooser/CNET

Don't Look Up (2021)

Despite the fact this movie is tremendously flawed, I've got Don't Look Up in both my best sci-fi movies and now my best comedies list.

The movie is patronizing and way too on-the-nose, but it feels important and is undoubtedly a net benefit, particularly for scientists continually bumping their heads against the wall trying to communicate the impact of climate change.

It's also pretty funny. Leonardo DiCaprio is great, as is Jennifer Lawrence. It also features a great cameo from Timothée Chalamet.

Sony

The Other Guys

A buddy cop comedy directed by Adam McKay of Anchorman fame, The Other Guys is super entertaining and takes full advantage of great chemistry between Will Ferrell and Mark Wahlberg. 

Paddington

Is Paddington a comedy? I think so. Either way it's a light hearted movie packed with good vibes. The original isn't quite the masterpiece Paddington 2 is, but it's still a fantastic, must-see movie.

Netflix

The Mitchells vs. the Machines (2021)

The Mitchells vs. the Machines is seriously one of the funniest and most authentic animated movies of the last couple of years. Starring a family of misfits on a road trip during a robot apocalypse, it's consistently sharp, funny and perfect for a family movie night. Everyone will love it.

Universal Pictures

Forgetting Sarah Marshall

I love this movie. To this day it's one of my favorite comedies ever. 

Forgetting Sarah Marshall is a movie about break ups. It's also a movie about masculinity and puppet rock-operas centred around Dracula. 

Honestly, just one of the best and most unique comedies ever made. Maybe a little too long, but we'll forgive that.

Netflix

Monty Python's Life of Brian (1979)

Alright, now we're talking. The Life of Brian is, for me, the best of the Monty Python movies, with The Holy Grail coming in a close second. Both are actually currently available on Netflix, so you should really watch both.

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Tesla now has a Supercharger in every US state with latest Hawaiian unit

Tesla now has a Supercharger in every US state with latest Hawaiian unit

Tesla capped off another milestone this week with the announcement of a new Supercharger station in Hawaii. Typically, a new charging station would be pretty boring, but the construction of the unit is the state's first. And with that, Tesla now has a Supercharger station in every US state.

The new Supercharger station features six stalls for Tesla EVs, located in Aiea in Honolulu, and becomes a significant piece of infrastructure outside of the lower 48 states. Tesla spent much of the past decade building out its Supercharger network of charging stations. Today, it's a fantastic benefit to owning one of the automaker's EVs. In many areas, Supercharger stations are the only EV charging stations in town.

That'll change this decade as other companies continue investing in the infrastructure and the US government throws its weight behind the initiative. The bipartisan infrastructure law finalized last year will make funds available to build a nationwide network of charging stations. Total, the US will gain 500,000 new stations in the future. But, for now, Tesla can stand by its network proudly.

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What's New for Samsung's Galaxy Z Flip 4: Cool Screen Tricks and Better Battery Life

What's New for Samsung's Galaxy Z Flip 4: Cool Screen Tricks and Better Battery Life

What's happening

Samsung announced the Galaxy Z Flip 4, the newest iteration of its foldable flip phone.

Why it matters

Foldable phones have been widely available for about three years, but they still make up just a fraction of the smartphone market. The Z Flip 4 and Fold 4 are Samsung's attempt to change that.

What's next

Samsung will release the Galaxy Z Flip 4 on Aug. 26, starting at $1,000.

Samsung announced the Galaxy Z Flip 4 during its Unpacked event last week, marking another stage in the company's effort to popularize foldable phones. The new Z Flip 4, which goes on sale Aug. 26 and starts at $1,000 (£999, AU$1,499), has a bigger battery and improved nighttime photography capabilities compared to its predecessor, plus new software that leans into the phone's foldable design. 

The Galaxy Z Flip has proven to be the most popular foldable yet according to market research estimates. But across the industry, high prices, subpar cameras and battery life compared to standard phones and a lack of compelling features have hindered the general appeal of foldables. With the Galaxy Z Flip 4, Samsung is addressing some -- but not all -- of those concerns. More importantly, it's also making progress in understanding the audience for foldable devices like the Z Flip.

Samsung is trying to prove there's more to the Z Flip 4's appeal beyond its compactness. That's why it's leaning into Flex Mode -- the feature that splits apps between the top and bottom portions of the screen when folded halfway. Now, you'll be able to use the bottom half of the screen as a trackpad for navigating the top portion of the screen -- an update that should make it easier to manipulate apps in Flex Mode. 

This feature is new to both the Galaxy Z Flip 4 and Z Fold 4, although Samsung said it would evaluate bringing it to older foldables as well. In the short time that I spent with the Z Flip 4, this seemed to work pretty easily after toggling the feature on in the settings menu. 

More from Samsung Unpacked

The Z Flip 4's cover screen is also getting a few new additions. You'll be able to send quick replies to text messages, make phone calls and take portrait mode photos from the outer display. 

The Galaxy Z Flip 4's cover screen.

Lisa Eadicicco/CNET

Taken together, these upgrades are a step in the right direction for the Z Flip 4. It's unclear whether the expansion of Flex Mode and the cover display's extra functionality are going to be enough to convert those who aren't already interested in foldable phones. But it shows that Samsung is paying closer attention to the software in addition to the hardware, which is crucial for proving the promise behind foldable phones. 

Otherwise, the Z Flip 4 is getting a handful of routine updates you'd expect to see in any new smartphone -- foldable or not. It'll run on Qualcomm's Snapdragon 8 Plus Gen 1 processor, a slightly upgraded version of the chip that powers the Galaxy S22 lineup. Although the main camera resolution is the same as it was in the Z Flip 3 (12-megapixel wide and ultrawide lenses), the Z Flip 4 inherits the Galaxy S22's improved nighttime photography. That means it will have a brighter wide lens and larger pixel size in addition to support for portrait mode photos in the dark. The Z Flip 4's battery size is also getting an increase to 3,700-mAh capacity compared to its predecessor's 3,300-mAh battery.

These are all welcome changes that cut down on the compromises you have to make when choosing between the Z Flip and Samsung's non-folding Galaxy S phones. The previous Z Flip 3's battery life was underwhelming, and the camera system felt like the "equivalent of the cameras you'd find on a $700 phone," as my colleague Patrick Holland put it. 

The Z Flip's design hasn't changed all that much, aside from some refinements. The hinge is slightly smaller and now has a glossier finish than the Z Flip 3. The Z Flip 4's interior display is 45% more durable while the exterior is coated in Corning's Gorilla Glass Victus Plus. Color options include the new bora purple, which Samsung just introduced for the Galaxy S22 along with pink gold, blue and graphite. These differences aren't immediately noticeable when you pick up the device, but you can see them when looking at the Z Flip 3 and Z Flip 4 side-by-side.

Lisa Eadicicco/CNET

The Z Flip 4's $1,000 price is still likely too high for many people, especially since there are so many compelling standard phones on the market that cost hundreds of dollars less. With a few new software improvements and routine upgrades to the camera, processor and battery, the Galaxy Z Flip 4 doesn't seem like a monumental upgrade. 

But it still represents a turning point for Samsung's foldables. Samsung has moved past simply making apps work smoothly across bendable screens. It's finally trying to find new ways to interact with apps that you wouldn't be able to get with a non-folding phone.

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Are We in a Recession? Here's What You Should Know About Layoffs, Debt and Investing

Are We in a Recession? Here's What You Should Know About Layoffs, Debt and Investing

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

What's happening

Based on the latest numbers, the US is in a period of decline -- possibly even a recession.

Why it matters

Recessions are historically marked by a period of widespread layoffs, bankruptcies, higher borrowing costs and turbulence in the stock market.

What's next

Gather facts to protect your financial position. No one can predict the future, and it's important to move calmly and deliberately.

A recession is top of mind for many Americans. But how do we know if we're in one? Technically, the country is in a recession when gross domestic product, the value of all goods and services produced during a specific period, falls during two quarters back to back. Last week's results proved this was the case: GDP dropped by 1.6% in Q1 and 0.9% in Q2, according to the advanced estimate by the Bureau of Economic Analysis.

While all signs point to a recession, in the US, this is determined by the National Bureau of Economic Research -- and it has not called a recession yet. 

But whether we can call this period a recession or not feels like a game of semantics. 

Ultimately, everyday Americans are struggling as prices continue to soar, the cost of borrowing rises and layoffs increase across the country. Here are some recent questions I answered for my So Money podcast audience about how best to prepare, save, invest and make smart money moves in these uncertain times. 

What can we expect in a recession?

It's always helpful to go back and review recession outcomes so that we can manage our expectations. While every recession varies in terms of length, severity and consequences, we tend to see more layoffs and an uptick in unemployment during economic downturns. Accessing the market for credit may also become harder and banks could be slower to lend, because they're worried about default rates. 

Read more: The Economy Is Scary. Here's What History Tells Us 

As the Federal Reserve continues to raise rates to try to clamp down on inflation, we'll see an even greater increase in borrowing costs -- for mortgages, car loans and business loans, for example. So, even if you qualify for a loan or credit card, the interest rate will be higher than it was in the prior year, making it harder for households to borrow or pay off debt. We're already seeing this in the housing market, where the average rate on a 30-year fixed mortgage was recently approaching nearly 6%, the highest level since 2009. 

During recessions, as rates go up and inflation cools, prices on goods and services fall and our personal savings rates could increase, but that all depends on the labor market and wages. We may also see an uptick in entrepreneurship, as we saw in 2009 with the Great Recession, as the newly unemployed often seek ways to turn a small business idea into reality.

Will layoffs become more common?

With the unemployment rate sitting at 3.6%, the job market may appear to be, at least right now, the only stable part of the economy. But that's likely to be temporary, as companies battling with the current financial headwinds -- including inflation, rising interest rates and weakening consumer demand -- have already begun to announce layoffs. According to Layoffs.fyi, a website that tracks job losses at tech startups, there were close to 37,000 layoffs from startups in the second quarter of 2022. This week, Shopify announced reducing its workforce by about 10% or roughly 1,000 layoffs. CEO Tobi Lutke said the e-commerce company's pandemic-driven growth plans "didn't pay off."

In the Great Recession, unemployment peaked at 10%, and it took an average of eight to nine months for those out of work to secure a new job. So now could be the time to review your emergency fund if you think there's a shortfall. If you won't be able to cover a minimum of six to nine months' worth of expenses, which is hard for most people, see if you can accelerate savings by cutting back on spending or generating extra money. It's also a good time to make sure your resume is up to date and to establish contact with influential individuals in your professional and personal network. If you are laid off, make sure to apply for unemployment benefits right away and secure your health insurance. 

If you're self-employed and worried about a possible downturn in your industry or a loss of clients, explore new revenue streams. Aim to bulk up your cash reserves as well. Again, if previous recessions taught us anything, it's that having cash unlocks choices and leads to more control in a challenging time.

Will interest rates on my loans and debts go up?

As the Federal Reserve continues to raise interest rates to try to curb inflation, adjustable interest rates are set to increase -- ratcheting up the APRs of credit cards and loans, and making monthly payments more expensive. Ask your lenders and card issuers about low-interest credit options. See if you can refinance or consolidate debts to a single fixed-rate loan.

In past recessions, some financial institutions were hesitant to lend as often as they did in "normal" times. This can be troubling if your business relies on credit to expand, or if you need a mortgage to buy a house. It's time to pay close attention to your credit score, which is a huge factor in a bank's decision. The higher your score, the better your chances of qualifying and getting the best rates. 

Should I stop investing in my 401(k)?

With stocks in a downward spiral, many want to know how a recession could impact their long-term investments. Should you stop investing? The short answer is no. At least, not if you can help it. Avoid panicking and cashing out just because you can't stomach the volatility or watch the down arrows during a bear market. 

My advice is to avoid making knee-jerk reactions. This may be a good time to review your investments to be sure that you're well-diversified. If you suddenly experience a change in your appetite for risk for whatever reason, talk it through with a financial expert to determine if your portfolio needs adjusting. Some online robo-advisor platforms offer client services and can provide guidance. 

Historically, it pays to stick with the market. Investors who cashed out their 401(k)s in the Great Recession missed out on a rebound. Despite the recent downtick, the S&P 500 has risen nearly 150% since its lows of 2009, adjusted for inflation.

The one caveat is if you desperately need the money you have in the stock market to pay for an emergency expense like a medical bill, and there's no other way to afford it. In that case, you may want to look into 401(k) loan options. If you decide to borrow against your retirement account, commit to paying it back as soon as possible.

Should I wait to buy a home?

With mortgage rates on the rise and housing prices not cooling nearly fast enough, owning could be more expensive than renting right now. A report from the John Burns Real Estate Consulting firm looked at the cost to own versus renting across the US in April and found that owning costs $839 a month more than renting. That's nearly $200 greater than at any point since the year 2000.

Fixed rates on 30-year mortgages have practically doubled since last spring, which has helped slow down offers and cool housing prices -- but competition among buyers is still stiff due to historically low inventory. All-cash offers and bidding wars continue in plenty of markets. If you've been shopping for a home in recent months or the past year to no avail, you may feel exhausted and defeated.

As I stated in my newsletter: Don't be hard on yourself. You're not doing anything wrong if you have yet to offer the top bid. While it's true that a fixed-rate mortgage can offer you more predictability and budget stability, as long as inflation continues to outpace wages, there could be some bright sides to renting right now. For one, you're not buying a home in a bubble market that some economists are saying is soon to burst. If you have to unload the home in a year or two -- during a possible recession -- you may risk selling at a loss.

Secondly, renting allows you to hold onto the cash you would have spent on a down payment and closing costs, and will help you stay more liquid during a time of great uncertainty. This allows you to pivot more quickly and secure your finances in a downturn. Remember: Cash is power.

Read more: Should You Buy a Home in 2022 or Wait? 3 Factors to Consider

My final note is that it's important to remember that recessions are a normal part of the economic cycle. Long-term financial plans will always experience some declining periods. Since World War II, the US has had about a dozen recessions and they typically end after a year or sooner. By contrast (and to give you some better news), periods of expansion and growth are more frequent and longer lasting. 

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https://residencej.costa.my.id/

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Capture every moment with $210 off this GoPro Hero 10 bundle

Capture every moment with $210 off this GoPro Hero 10 bundle

With rugged designs and impressive specs, it's no wonder GoPro cameras repeatedly top our lists of the best action cameras and high-tech adventure gear. And while we love these compact adventure cameras, their biggest drawback has always been their substantial price tag. The Hero 10 is the most advanced GoPro on the market right now, and therefore it's also the priciest. But right now from GoPro directly, you can pick up the brand new Hero 10, along with a bundle of all the necessary accessories, for $450, down $210 from the usual price. There's no clear-cut expiration on this deal, so it could switch off at any point.

This offer comes with one stipulation: You'll only get the discount as long as you sign up for a year of the GoPro subscription service, a $50 value that provides you with unlimited cloud storage, access to the Quik editing app, a 50% discount at the GoPro store and no-questions-asked camera replacement. The Hero 10 camera itself boasts some impressive specs for its compact size, capable of capturing 5.3K resolution videos and 23MP photos, with video stabilization and voice control capabilities. You can read CNET's full breakdown here. The bundle comes with a small handheld tripod mount as well as a clip-on mount, a spare lithium ion battery, a 32GB memory card and a case to keep your camera protected on the road. 

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https://ahmedcak.blogr.my.id/

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Sleek Lenovo Legion Y740S gaming laptop weighs just over 4 pounds -- but at a cost

Sleek Lenovo Legion Y740S gaming laptop weighs just over 4 pounds -- but at a cost

This story is part of CES, where CNET covers the latest news on the most incredible tech coming soon.

Lenovo's Legion gaming laptops offer good mainstream performance with designs that don't necessarily scream "gamer." So when I saw the announcement for the 15-inch Legion Y740S, a gaming laptop that weighs only 4.2 pounds (1.9 kg), is just 0.6-inch thick (14.9mm) starting at $1,100, and is expected to be on display at CES 2020 this week, I quickly searched for what discrete graphics chip would be in it to power my gaming on the go. 

The answer is none. It has no discrete graphics.

The laptop will have up to a 10th-gen Intel Core i9 H-series processor. That chip's integrated graphics are expected to be good enough for entry-level gaming and other graphics tasks that Intel's integrated graphics weren't up for in the past. But for those who expect more from a gaming laptop than integrated graphics, which is everyone really, Lenovo has an answer.  

In an interesting move, the company made an external Thunderbolt 3 GPU box to pair with the Y740S, the Legion BoostStation. Not every gaming manufacturer makes its own eGPU, but for Lenovo, the BoostStation enabled the ultraslim profile of the Y740S -- by putting the graphics on the outside. The eGPU itself bears a strong resemblance to a rotated version of Razer's Core X, with its slide-out tray, venting design, aluminum build and arrangement of the back Ethernet and USB ports.

The BoostStation is a bit less accommodating, though; it looks like it only fits a dual-width card instead of the triple-width slot on the Razer. However, you can use Lenovo's for external storage as well, with slots for a hard disk/SATA SSD or a pair of PCIe SSD modules, as long as the 500-watt power supply can accommodate your options. 

Lenovo will offer pre-equipped versions of the BoostStation with Nvidia GeForce RTX 2060, 2070 or 2080 Super cards, a GTX 1660 Ti or an AMD Radeon RX 5700 XT, though you can always choose your own graphics card. It starts at $250, which is a pretty good price for the empty box. It's expected to ship in May alongside the laptop. That's assuming Intel is able to deliver its processors on schedule, something it struggled to do much of last year. 

One of the biggest issues with gaming laptops is that the GPU typically can't be upgraded, so at least this gives you options. But without discrete graphics built in, is the Legion Y740S even a gaming laptop? Lenovo gave it a new keyboard design with tactile feedback that it says is better for gameplay. But it also used a display panel with a 60Hz refresh rate, whereas much of its competition has moved to 120Hz panels (or faster) for smoother visuals. In the end, it's a thin-and-light 15-inch laptop with an edgier design and a few gaming features thrown in, but you'll need to spend more on the eGPU if you want to actually game with it. 

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https://ralinseanc.kian.my.id/

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The Xiaomi Mi 8 is the best iPhone X-like Android phone yet

The Xiaomi Mi 8 is the best iPhone X-like Android phone yet

The Xiaomi Mi 8 looks awfully familiar.

Juan Garzon/CNET

Chinese smartphone maker Xiaomi has rolled out three new phones that are clearly inspired by Apple'siPhone X: the Xiaomi Mi 8, Mi 8 Explorer and Mi 8 SE.

While Xiaomi isn't a brand well-known outside countries like China and India, it has a reputation for making high-quality phones for much less than the price of a typical flagship model. Making Android phones with similar features as popular iPhone models is a strategy to connect with cost-conscious buyers who can't afford a much higher-priced iPhone.

Xiaomi Mi 8

The Xiaomi Mi 8 follows last year's Mi 6, skipping the 7 to mark the company's eighth year. The resemblance to the iPhone X starts with a similar notch design. While this creates an uncanny resemblance to the iPhone, the Mi 8's 6.21-inch AMOLED display doesn't quite stretch all the way to the bottom like the X's does.

You'll also find two 12-megapixel cameras on the rear of the Mi 8, laid out in just the same way as the iPhone X. Xiaomi says the Mi 8's cameras achieved a 105 photo score after being rated by DxOMark. On the front is a 20-megapixel camera using "pixel-binning" technology to combine four pixels into a larger one for better low-light selfies.

That's not all. The Mi 8 will run Xiaomi's custom MIUI 10 skin on top of Android (Xiaomi didn't say which version, but it's likely Oreo). The new, updated skin features gesture controls and a driving mode that uses Xiaomi's own Xiao Ai voice assistant (the assistant will come in a later update, though).

The Xiaomi Mi 8 phones aren't waterproof, however, and don't support wireless charging.

Mi 8 Explorer Edition

The Mi 8 Explorer Edition is Xiaomi's coolest-looking phone yet, with a transparent glass back panel that gives you the impression of peeking into the insides of the phone.

This phone takes the iPhone X resemblance a step further. It's the first Android phone to sport 3D face unlocking that projects over 30,000 infrared points on the face, the method used in the iPhone X's Face ID and Intel's RealSense.

Most current Android phones don't have this level of face unlocking, but more will follow in Xiaomi's footsteps as phone makers take advantage of Qualcomm's Snapdragon 845 processor, which supports the infrared mapping technology.

I mean, how cool does this look?

James Martin/CNET

The tech behind the face unlocking is also used for Xiaomi's version of Apple's animoji, which Xiaomi says will arrive in a future update -- too bad.

One other feature Xiaomi saved for the Mi 8 Explorer Edition is a built-in fingerprint reader from Synaptics that uses pressure to unlock the phone (Xiaomi boasts that this is the first pressure-sensitive optical reader in any phone). Xiaomi says the scanner's pressure sensitivity allows it to activate, scan and unlock the phone much faster, and drain fewer battery resources.

The regular Mi 8 uses a standard rear fingerprint scanner.

Mi 8 SE

A smaller Mi 8 SE will also be available, sporting a downsized 5.88-inch AMOLED display, and it will be the first phone to launch with Qualcomm's newest Snapdragon 710 chip (the Mi 8 is powered by the Snapdragon 845).

Unlike the Mi 8 Explorer, the Mi 8 has a fingerprint reader on the back.

James Martin/CNET

The Xiaomi Mi 8 and Mi 8 SE will launch in China from June 5 and 8 respectively, while the Mi 8 Explorer Edition is set to hit at a later date.

Specs breakdown

	Xiaomi Mi 8	Xiaomi Mi 8 SE	Xiaomi Mi 8 Explorer Edition	OnePlus 6
Display size, resolution	6.21 inches; 2,248x1,080 pixels	5.88 inches; 2,244 x 1,080 pixels	6.21 inches; 2,248x1,080 pixels	6.28-inch OLED; 2,280x1,080 pixels
Pixel density	402ppi	423ppi	402ppi	402ppi
Dimensions (Inches)	6.10x2.94x0.30 inches	5.80x2.94x0.30 inches	6.10x2.94x0.30 inches	6.13x2.97x0.31 inches
Dimensions (Millimeters)	154.9x74.8x7.6 mm	147.3x74.8x7.5 mm	154.9x74.8x7.6 mm	155.7x75.4x7.75 mm
Weight (Ounces, Grams)	6.17 oz; 175g	5.78 oz; 164g	6.24 oz; 177g	6.2 oz; 177 g
Mobile software	Android 8.1 Oreo	Android 8.1 Oreo	Android 8.1 Oreo	Android 8.1 Oreo
Camera	Dual 12-megapixel	Dual 12-megapixel, 5-megapixel	Dual 12-megapixel	16-megapixel standard, 20-megapixel telephoto
Front-facing camera	20-megapixel	20-megapixel	20-megapixel	16-megapixel
Video capture	4K	4K	4K	4K
Processor	2.8GHz Qualcomm Snapdragon 845	2.2GHz Qualcomm Snapdragon 710	2.8GHz Qualcomm Snapdragon 845	2.8GHz Qualcomm Snapdragon 845
Storage	64GB, 128GB, 256GB	64GB	128GB	64GB, 128GB, 256GB
RAM	6GB	6GB	8GB	6GB, 8GB
Expandable storage	None		None	None
Battery	3,400 mAh	3,120 mAh	3,400 mAh	3,300 mAh
Fingerprint sensor	Back of phone	Back of phone	Below screen	Back
Connector	USB-C	USB-C	USB-C	USB-C
Headphone jack	No	No	No	Yes
Special features	Quick charging, face unlock	Quick charging	Transparent rear, quick charging, 3D face unlock	Portrait mode, notifications toggle, dual-SIM, Dash Charging
Price off-contract (USD)	Converted from Chinese Yuan $420 (64GB),  $470 (128GB),  $515 (256GB)	$280 (converted)	$575 (converted)	$529 (64GB), $579 (128GB), $629 (256GB)
Price (GBP)	£315 (64GB) (converted), £350 (128GB) (converted), £385 (256GB) (converted)	£210 (converted)	£435 (converted)	£469 (64GB), £519 (128GB), £569 (256GB)
Price (AUD)	AU$555 (64GB) (converted), AU$620 (128GB) (converted), AU$680 (256GB) (converted)	AU$370 (converted)	AU$760 (converted)	AU$702 (64GB), AU$769 (128GB), AU$835 (256GB)

Xiaomi Mi 8 prices

The Mi 8 will have a starting price of 2,699 yuan or roughly $420, £315 or AU$555 converted. The Mi 8 SE will start at 1,799 yuan (approximately $280, £210 or AU$370). The Explorer Edition will cost the most at 3,699 yuan (about $575, £435 or AU$760).

Apart from the three new phones, Xiaomi also announced its largest TV, a 75-inch 4K capable Mi TV 4; a new Mi-Band 3 fitness tracker that claims a 20-day battery life; and the Mi VR Standalone, a portable VR headset co-developed by Oculus with the intention of being China's version of the Oculus Go.

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