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Finished Your Wordle For the Day? Try These Puzzles Next

Finished Your Wordle For the Day? Try These Puzzles Next

If you're still playing Wordle and need even more puzzles to keep the mind ticking, there are a ton of games worth your time.

Wordle asks players to figure out a five-letter word in six or fewer guesses (get some tips here). After each guess, the game shows gray blocks for wrong letters, yellow blocks for right letters in the wrong spot and green blocks for right letters in the correct spot. It's addictive, but after you solve the daily puzzle or use up all your guesses, you have to wait until the next day to play again.

You've likely already learned some tips, tricks and lessons from the popular word game, so why not apply your newly honed problem-solving skills to other puzzles, too? After all, Wordle isn't the only game in town. Here are 24 other puzzle games to play.

Multiple word Wordle spinoffs: Quordle, Octordle, Dordle and Sedecordle

Are you up for a challenge? If you love Wordle and want a puzzle game that takes more brain power, you'll want to check out Quordle, Octordle, Dordle and Sedecordle. Each of these four word games look very similar to Wordle, but add more rows, columns and words to solve. Dordle requires you to solve two words at once. Quordle, four at once. Octordle, eight, and Sedecordle a whopping 16. Good luck. 

You can play Quordle, Octordle, Dordle or Sedecordle on any web browser.

Word Master

This Wordle remake gives you six tries to guess a five-letter word but with a slight tweak. Word Master uses gray, yellow and green blocks in the same way as the original. How is it different from Wordle? Word Master offers unlimited games so you don't have to wait 24 hours.

You can play Word Master on any web browser.

Hello Wordl

Hello Wordl -- another Wordle remake -- gives you six tries to guess a word and uses the same colored blocks to track your progress. In addition to unlimited games, Hello Wordl also lets you change the number of letters in the word you're guessing. Guess a four-letter word or use the in-game slider to go all the way up to an 11-letter word. You still get six chances to guess no matter how long a word is, though.

You can play Hello Wordl on any web browser.

Lewdle

Before you play Lewdle, the game's content advisory reads, "Lewdle is a game about rude words. If you're likely to be offended by the use of profanity, vulgarity or obscenity, go play Wordle instead!" Translation: It's Wordle, but with bad words. The words range from mild -- like poopy -- to words that would make a sailor blush. However, despite the numerous bad words the game pulls from, slurs are not included. Like Wordle, you get six tries to guess a five-letter word; gray, yellow and green blocks are used in the same way; and there's only one puzzle per day. Go forth and let the bad words flow!

You can play Lewdle on any web browser.

Absurdle

Absurdle bills itself as the "adversarial version" of Wordle. While Wordle nudges you in the right direction with each guess, Absurdle "is actively trying to avoid giving you the answer," according to the game's website. Absurdle doesn't pick a word at the beginning of the game for the player to guess. Instead it uses the player's guesses to narrow its list of words down in an effort to make the game go as long as possible. The final word might not even include a yellow letter from one of your earlier guesses either. You can guess as many times as you want, which is helpful, and the best score you can get is four guesses. Have fun!

You can play Absurdle on any web browser.

Crosswordle

Sure, Wordle is fun, but what if there was a crossword element to it? Enter Crosswordle. In this Wordle-inspired game, you have to figure out two words of varying lengths that intersect with each other like a crossword puzzle. The gray, yellow and green color blocks are the same, and there's one puzzle a day. However, it looks like you can guess as many times as you want until you either get the words or give up. Unlike other Wordle-based games, Crosswordle lets you create your own custom Crosswordle puzzle to share with your friends. Here's one I made. If Crosswordle wasn't hard enough, the Settings page shows the developers are working on a Hard Mode.

You can play Crosswordle on any web browser.

Antiwordle

Tired of seeing those green blocks plastered all over your social media feed? Give Antiwordle a shot. Where Wordle wants you to guess a word every day in as few tries as possible, Antiwordle wants you to avoid the word by guessing as many times as possible. When you guess, letters will turn gray, yellow or red. Gray means the letter isn't in the word and can't be used again, yellow means the letter is in the word and must be included in each subsequent guess and red means the letter is in the exact position within the word and is locked in place. If you can use every letter on the keyboard and not get the word right, you win. It sounds easy, but I've found this version of Wordle to be much harder than the original.

You can play Antiwordle on any web browser.

Lordle of the Rings

Lordle of the Rings is for the Tolkien fan who wants in on the Wordle fun. The gray, yellow and green blocks are here, and players have six tries to guess a five-letter word from the main Lord of the Rings text. Possible guesses include places like Rohan, well-known characters like Frodo and Smaug and lesser known characters like Turin, Hurin and Idril. There's only one puzzle a day, but you can play that puzzle more than once in the same day if you want.

You can play Lordle of the Rings on any web browser.

Primel

If you are more of a numbers person, Primel is for you. In this game, you get six tries to guess a five-digit prime number. The gray, yellow and green color blocks are back, and you only get one puzzle a day. What makes this game even more frustrating though is the game only accepts prime numbers as guesses, so that alone is difficult. Throw in the Wordle aspect and you're sure to be scratching your head.

You can play Primel on any web browser.

Nerdle

Nerdle is another option for people who are more into numbers. This time though you have to guess the math equation and solution. You get six chances to guess the equation and solution, and the equation must be mathematically sound, too, so don't forget PEMDAS. After each guess, numbers or symbols that are in the correct spot will be green; numbers or symbols in the wrong place in the equation will be purple; numbers or symbols not in the equation will be black. After you finish one puzzle, you have to wait eight hours before the next one. Here's a hint: The "=" sign is always in the puzzle. You can thank us later.

You can play Nerdle on any web browser. 

IYKYK

IYKYK is a combination of Wordle and the card game #CultureTags and was made by the same team behind #CultureTags, too. In this game, you are given an acronym and have to figure out the acronym in three guesses or less. You are given the first letter of each word, how many letters are in each word and a hint after your second guess, and the green, yellow and gray blocks make an appearance here, too. While this game is based off #CultureTags, the acronyms used in that game aren't repeated in IYKYK. 

You can play IYKYK on any web browser. 

Worldle

Don't like words or numbers? Give Worldle a shot. This geography-based Wordle spinoff gives you six tries to guess what country or territory is shown. Instead of gray, yellow and green blocks marking letters or numbers after each guess, you see distance, direction and proximity percentage, like a game of hot and cold. For example, if you guess Chile, Worldle might show you 13,557 kilometers and an arrow pointing northeast with 32%. This means the correct country or territory is 13,557 km to the northeast of Chile and there is a 32% proximity rate. Translation: You're cold. There's only one puzzle a day, and there are options to make the game harder by either not showing the country or rotating the country shown randomly. 

You can play Worldle on any web browser.

Heardle

Can you guess a song just from listening to the first few seconds? Heardle is for you. In this game, a song is chosen from a list of popularly streamed artists, one second of the song is played and you have to name the song. You have six guesses, and more of the song is unlocked with each wrong guess. You can skip a turn, too, and that also unlocks more of the song. Once you've solved or missed the puzzle, a timer will show how long until the next puzzle.

You can play Heardle on any web browser.

Name That Ride

Are you a gearhead who can tell the difference between a '55 and a '57 Chevy Bel Air? You should try Name That Ride. In this game, you have 20 seconds and six guesses to name the vehicle in the picture, as more of the image reveals itself. When you think you know what vehicle is in the picture, you click Guess -- which pauses the timer -- and type in your answer. There's a preset list of cars, so even if you aren't sure of a car's year, you can make an educated guess.

You can play Name That Ride on any web browser.

Lookdle

Lookdle is similar to Name That Ride, but this game has you guess which famous person is shown in a pixelated picture. You get five guesses, and with each wrong guess the picture comes more into focus. There is also a preset list of names you can choose from, but the list doesn't have every famous person in it. That can be good since it narrows down who can be in each picture, or it can be bad because who you think is in the picture might not be an option. 

You can play Lookdle on any web browser. 

Framed

If you know what movie is showing by seeing a few frames, then give Framed a try. In this game, you have to guess the name of a movie from a series of frames. You have six guesses, and with each wrong guess you are shown a new frame from the movie. You can click back through the frames to re-examine them as well. In my experience, the frames go from pretty innocuous to more specific. Like other games on this list, there is a preset list of movies to guess from which could help narrow down what the movie is without using a guess.

You can play Framed on any web browser.

Words With Friends is a classic, and it's still a popular word game.

Zynga

Words With Friends

What kind of list of word games would this be without this classic? Words With Friends plays like a virtual game of Scrabble and is still popular more than a decade after its original launch. You and your opponent, either another person or the computer, get letters and make words on the board for points and whoever has the most points at the end wins. 

You can download Words With Friends from the Apple App Store, Google Play Store or play it in any web browser.

Word Forward

Word Forward is like Boggle but with power-ups and tools to help you. You play on a five-by-five board of letters and try to make words with those letters. When you make a word, the used letters vanish. You keep going until you clear the board. If you get stuck, you can use your power-ups and tools to eliminate some letters or jumble the board to replace the letters with new ones.

You can buy Word Forward in the App Store, the Play Store, the Nintendo Game Store for the Nintendo Switch or on Steam.

Wordscapes gives players letters and asks them to fill in a crossword puzzle with those letters.

Google Play

Wordscapes

Wordscapes is a mix between Boggle and a crossword puzzle. You are given a bank of letters at the bottom of your screen and there's a crossword puzzle at the top. You make words with the letters in your bank and fill out the crossword with them. Once you complete the puzzle, you're rewarded with a nice landscape picture.

You can download Wordscapes from the App Store or the Play Store.

Kitty Letter

Kitty Letter is a word game from the creators behind The Oatmeal and Exploding Kittens. In the game, you unscramble letters to make words which then turn into armies of cats. What do the cats do? They attack either the player or computer you are playing against, as well as defend your home. It's an absurd tower defense game where your words create legions of cats willing to fight on your behalf.

You can download Kitty Letter from the App Store or the Play Store.

SpellTower

In SpellTower, letters rise from the bottom of the screen and you have to assemble words as quickly as possible. Each word you make eliminates the used letters, and if any letter reaches the top of your screen the game ends. It's like Tetris in that regard. There are also 10 other game modes, including Search Mode, where you try to find the longest word using specific letters. 

You can download SpellTower from the App Store or the Play Store. You can also get it on Apple Arcade -- there's a subscription fee for the service, but you'll get this and other games ad-free and with in-app purchases already unlocked.

For more word game fun, check out CNET's Wordle tips, the best Wordle jokes and how to play past Wordle puzzles. If you haven't downloaded Wordle yet, here's how you can do it today.

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5 Grounding Techniques to Manage Anxiety

5 Grounding Techniques to Manage Anxiety

While we wish we could give you a foolproof guide on how to get rid of anxiety fast, the reality is that anxiety is a health and, just like a cold or arthritis, getting relief usually comes from continually applying treatment instead of a one-and-done fix. The good news? We can show you how to calm anxiety right where you are. If anxiety is a pervasive part of your life, talking with a primary care doctor or therapist can go a long way. 

We'll start simple first. If you want to learn how to deal with anxiety, you've come to the right place. 

Read More: 6 Best Teas for Anxiety and Stress for 2022

Can you really get rid of anxiety? 

You might have come here to learn how to get rid of anxiety fast. However, anxiety isn't an old item you can just toss to the curb. If you live with anxiety, you might be dealing with a diagnosable mental health condition that will likely be a part of your life long-term. It can take many forms -- like social anxiety or a phobia. In any case, learning how to deal with anxiety means figuring out how anxiety affects you personally.  

To find out if you're living with generalized anxiety disorder, the most common type of anxiety, Mental Health America has a free online screening tool that you can use. 

Whether you want to figure out how to get rid of social anxiety, GAD, panic attacks, phobias or another way that anxiety is impacting your life, it starts with learning your triggers. That means identifying your symptoms and what causes them, so let's start there. 

JLco - Julia Amaral/Getty Images

What are the symptoms of anxiety? 

The symptoms of anxiety depend on the type of anxiety affecting you. The five most common types are:

• GAD
  
• Obsessive-compulsive disorder 
  
• Panic disorder
  
• Post-traumatic stress disorder 
  
• Social anxiety disorder
  

If you want to learn how to get rid of anxiety, it's worth doing some research to find out what type could be affecting you and the symptoms it causes. Talking to a doctor can help, too. 

That said, since GAD is the most common form of anxiety and many of its symptoms apply to other anxiety disorders, we look at those here. Before we dive in, you should know that anxiety looks different for everyone. Symptoms vary and it can be challenging to tell if you're living with a diagnosable anxiety disorder or whether you just need new tools for dealing with stress. 

Ultimately, knowing what symptoms to look for can help you decide if it's time to talk to your doctor. Anxiety can manifest both physically and mentally so let's look at both. 

Physical symptoms of anxiety :

• Headaches
  
• Fatigue
  
• Stomach aches
  
• Excessive sweating
  
• Nausea and digestive problems
  
• Sleep problems
  
• Achy or tense muscles
  

Psychological symptoms of anxiety :

• A pervasive sense of worry that you can't control
  
• The consistent feeling that something bad will happen
  
• Overthinking and imagining the worst outcome
  
• Restlessness
  
• Irritability
  
• Decision-making problems
  

What is a panic attack?

Panic disorder is the kind of anxiety that causes panic attacks, which are marked by the sudden onset of symptoms like:

• A racing heart
  
• Difficulty breathing
  
• Sweating
  
• Dizziness
  
• Trembling
  
• Numbness or tingling
  
• Chills or hot flashes
  

Panic attacks happen quickly but usually go away within five to 20 minutes. 

Keep reading: How to Stop and Prevent an Anxiety Attack  

How to get rid of anxiety in the moment 

While we can't promise to show you how to get rid of anxiety for good, we can equip you with grounding techniques. Having these tools at the ready can help you through challenging times, so let's dig in. 

Acknowledge you are feeling anxious

Naming something can make it feel less scary. When you're having a panic attack, knowing that it is a panic attack -- and that it will pass -- can go a long way.

Similarly, if you live with GAD, knowing that what you're feeling is part of a health condition, not a reflection of how the world actually is, can help you feel more grounded. Talking to someone about what you're feeling, whether it's a friend or a doctor, can also help to provide anxiety relief. 

Practice breathing exercises 

Breathing is one of the most powerful calming tools. Between the added oxygen and the stimulation for your parasympathetic nervous system, breathing can work wonders. Plus, breathing techniques are free and you can do them anywhere. 

As you learn how to deal with anxiety, it can be helpful to memorize some breathing exercises you can do anytime, anywhere. Slow, diaphragmatic breathing is a great place to start. Putting your hands on your stomach can help you learn this skill, but you don't necessarily need to do that if you're in public. 

Read more: 5 Easy Breathing Exercises to Relieve Stress and Relax 

10'000 Hours/Getty Images

Try the 5-4-3-2-1 method while anxious

Grounding yourself makes a big difference when you're feeling anxious. To do that, you can use the 5-4-3-2-1 method:

• Look around and spot five individual things.
  
• Touch four things near you. 
• Acknowledge three things you can hear. 
• Identify two smells.
• Check in with your mouth for one thing you can taste.

By tapping into your senses, you're bringing yourself back to the present moment and anchoring yourself there. Don't be afraid to walk around to get all 5-4-3-2-1 things named. Take your time and use this as a way to help yourself relax.

Distract yourself 

It's easier said than done, but distraction can be a useful tool. Try to reposition your mind from a place of worry to focusing on something you enjoy. Go for a walk somewhere nice, listen to music you love, show your pet some love, get yourself a beverage to enjoy, chat with a coworker -- whatever works to distract your mind.  

Journal through situations

Studies show that journaling can help as you're learning how to calm anxiety. You could freewrite, jotting down whatever comes to your mind. Getting it out of your head and down the page can help with letting things go. Or you might try to journal about what you're grateful for since that can shift your mind to more positive thoughts. 

More tips to help

If you're still hunting for how to deal with anxiety when it affects you, we have some more calming life hacks you can try out. 

When do I need treatment for my anxiety? 

Even though there's no immediate fix to get rid of anxiety once and for all, you can learn how to help anxiety when it impacts you. The tools we just laid out can build the arsenal you can turn to whenever you need anxiety relief.

Be mindful of how often you turn to that toolbox. Most of us deal with anxious feelings from time to time. If you're leaning on these tools to get you through the day on a regular basis, you may benefit from professional help.

Signs treatment may help your anxiety:

• Your anxiety is a daily obstacle 
  
• You've stopped doing things you used to enjoy because you feel anxious
  
• You worry through most of every day
  
• You continually feel physically unwell
  
• You always assume the worst outcome
  
• You experience panic attacks
  

Getting relief could mean talk therapy, medication or something else. But if all of this sounded familiar, know that help is waiting. Talk to your primary care provider or find a therapist in your area or online. Mental health experts are your best bet if you want to figure out how to treat anxiety that continually affects you. 

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.

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Amazon Echo's spooky sounds and stories can get you ready for Halloween. Here's how

Amazon Echo's spooky sounds and stories can get you ready for Halloween. Here's how

Spooky season is here. That means it's time to pick out costumes, candy and cue up your favorite Halloween movies. But Alexa has a few ways to help you get in the Halloween spirit, too. Your Amazon Echo device can play spooky sounds throughout the house, control smart lights and tell scary stories once you add a few Alexa skills. The voice assistant can even help you find a last-minute costume just in time for your spooktacular soiree (more below). 

You can add Halloween skills from the Amazon site or a voice command to give your home a creepy vibe (most of them are free). And if you want to really go all out, Google and Ring have a few Halloween tricks and treats to give all of your smart home devices a spooktacular feeling. 

We'll show you how to set up some of our favorite Halloween skills so you can use them this weekend (and year-round if you're obsessed with Halloween, like me). Here are our favorite ways an Amazon Echo ($37 at Amazon) can make your home spooky on All Hallows' Eve. And if you're having trouble with your Echo-enabled device, here are a few common problems and easy solutions. 

Scare neighbors with your Echo speaker 

If you've got multiple Echo speakers, it can be fun to place one outside, out of sight, to spook others. For example, you can broadcast creepy sounds or play Halloween music. You can also use the Drop In feature on the speaker to let trick-or-treaters know from a safe distance that you enjoy their costume or how much candy to take. Note that it may be best to set out small bags of candy to avoid dozens of hands touching each piece. You should also make sure your Echo is out of the rain to prevent any water damage. 

Play spooky sounds

It's not Halloween without creepy sounds, and there are many Alexa skills that provide them. You can also say, "Alexa, let's get spooky" to prompt Alexa to give you ideas.

• Spooky Halloween Sounds will play a continuous loop of unsettling noises until you tell Alexa to stop. Just say, "Alexa, start Spooky Halloween Sounds" to get started.
• Spooky Sounds plays 50 minutes of original spooky sounds (in a continuous loop), complete with an audio Easter egg hidden within. Say, "Alexa, open Spooky Sounds" to begin.

• Spooky Scream will play a random scream after a set time of your choosing. Say, "Alexa, ask Spooky Scream to start in 5 minutes." Turn up the volume and wait for your unknowing victim to fall into your trap.

You can also request audio like the Spooky Sounds for Halloween EP on Spotify. Alexa has other creepy sounds available, including Haunted House and Scary Halloween Sounds to turn your Alexa device into a Halloween sound machine. 

Spooky sounds are sure to scare the neighborhood kids.

Chris Monroe/CNET

Play Halloween-themed games

If you're looking for an eerie game to play, there are quite a few Alexa skills to choose from. But if you'd rather have Alexa pick for you, just say, "Alexa, let's get spooky."

• The Magic Door is a popular interactive adventure game. If you take the Dark Forest Path, it will lead you to the Witch's mansion in search of the Wise Wizard.
• Ghost Detector is exactly what it sounds like. You must detect and capture ghosts to earn Ghost Bux, which you can use to buy "improvements, gadgets and missions" for further gameplay.
• Haunted Adventure is just one of several spooky adventure games.
• Halloween Feel the Pressure is a spin-off of Feel the Pressure with a Halloween twist. You must answer questions based on a letter of the alphabet. You need 10 correct answers in a row to "save your soul."

Ask Alexa to tell a scary story 

Want to hear something chilling, yet kid-friendly? Simply say, "Alexa, tell me a spooky story" and you'll hear a short story voiced by an actor. They're pretty cheesy, so they're best for younger ears.

If you want to hear something a bit scarier, you can try the Scare Me skill. Just say, "Alexa, ask Scare Me to tell me a scary story." It'll read you a short, two-sentence scary story. Kids can also use the Scooby Doo! Mystery Inc. Theater for scary stories. Just say, "Alexa, I'm ready for a mystery from Scooby-Doo" or "Alexa, tell Scooby-Doo I want to solve a mystery" from any Echo-enabled device. The skill is free but requires a parent's permission in the Alexa app. 

Still not scary enough? Try creating your own scary story using the Alexa Halloween Blueprint. You can even use names of the people in your home as the characters in the story.

Alexa can tell you scary stories. 

Alina Bradford/CNET

Play Halloween music

One of Alexa's best tricks on Halloween is playing party music. You can easily make a playlist with all your Halloween favorites on Amazon Music or Spotify -- like this Halloween Party Soundtrack -- and ask Alexa to play it. Or you can use the Halloween Music skill. 

Greet visitors with spooky sounds

Use your Alexa-compatible video doorbell, like Ring, to talk to trick-or-treaters who are waiting at your door. With the Ring doorbell, you can have it say "Boo" to anyone who comes to the door. You can also change the chime to a spookier tone. Your Ring doorbell has a few other spooky features and hardware accessories. 

You can also use the Trick the Witch skill for your Alexa device to entertain your guests with a witch voice. Just say, "Alexa, start Trick the Witch" to get started. Lamona, the witch, is an interactive game that trick or treaters can take part in while practicing social distancing. Or you can enable Halloween Facts to share facts about Oct. 31 with your visitors. 

When you hear the doorbell, or think you hear it, tell Alexa to "Answer the front door" or "Show [camera name]" to see who's there.

A video doorbell will show you who's at the door.

Chris Monroe/CNET

Create a smart haunted house

You can turn your home into a haunted house using your Echo devices. You'll need to replace your regular bulbs with smart bulbs and change the colors to orange, purple and red. However, it's much more fun to set up a routine that you can trigger by saying, "Alexa, make it spooky," rather than a boring "Alexa, change the lights to red."

For example, you could create a routine that turns the lights orange and plays Halloween music. If you've got a smart plug, you can even plug a Halloween decoration into it and set it to come on with the routine. 

Spookify your house with smart bulbs.

Josh Miller/CNET

Get help with a last-minute costume 

If you're one of those people who wait until the last minute to find a costume (guilty), Alexa can help you come up with some ideas. Using the Halloween Costume Ideas skill, Alexa will list some ideas until you find one that you like.

Just say, "Alexa, open Halloween Costume Ideas." Then answer the yes-or-no questions until you come across the perfect costume idea.

Lighten up with Halloween jokes

If you're spooked out by the end of the night, have Alexa lighten the mood by telling jokes. Just say, "Alexa, tell me a Halloween joke." The joke it gave me was, "Why shouldn't you date a spirit? So you don't get ghosted." The jokes may not be fall-over funny, but at least they can distract you from the scary stories you listened to earlier in the night.

When Halloween's over, dive into the 10 weirdest things your Amazon Echo can do, the four best uses for an Amazon Echo in your living room and four places to avoid putting your Amazon Echo in your home.

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No Filters Allowed: This Up-and-Coming Social Media App Aims for Authenticity

No Filters Allowed: This Up-and-Coming Social Media App Aims for Authenticity

BeReal is a social media app that aims to leave behind artificial glamour and give you a more authentic way to tell your stories. Instead of carefully curated images, BeReal offers "a new and unique way to discover who your friends really are in their daily life," according to the company. 

BeReal users post a picture, called a "BeReal," within a random two-minute window each day from wherever they are, doing whatever they're doing. So you probably won't see glossy, stylized photos that have been edited to hell and back. You'll more likely see your friend hanging out on the couch with their dog or cat. 

The app notifies you at the beginning of the two-minute posting window, but since the window changes daily, you can't plan what you'll be doing ahead of time. During that window, you'll snap a picture with both your front and back cameras, and the two photos are uploaded to the app simultaneously.

If you're sitting in your bed, then you'll show off your bedhead. If you're picking up food at a drive-thru, ask if the drive-thru employee wants in on the pic. If you're on the toilet... well, you get the idea. 

Founded in 2019, BeReal has been installed on about 7.5 million devices, according to Apptopia. Here's what to know about the app, including what you can and can't do.

Can I edit BeReal photos?

No. You can't spruce up your BeReal by brightening, cropping or using weird filters as you might on other social media apps. If you have bags under your eyes, then you have bags under your eyes in the post. That means you won't be subjected to heavily edited and staged photos of your friends acting as if they have a glamorous lifestyle. You can retake a photo, but the app shows people how many times you retook the picture once you post your BeReal. 

What happens if I miss the two-minute window?

If you don't post in the allotted two minutes, nothing really happens. There's no Snapchat-style streak to lose, and you can still post later. But BeReal snitches on you and tells people you posted "late." BeReal sends out push notifications each time a person posts, so your friends will know how late you posted. That sounds a little stressful in itself.

What if I don't want to post?

That's fine. You don't have to post, but then you won't be able to see other people's posts. You must actively participate in the app to see what everyone else is doing. By requiring people to post in order to see other people's posts, it ensures everyone plays along. 

You can't see posts on BeReal until you post.

Zach McAuliffe/CNET

Who sees my BeReal?

When you post your BeReal, you can either send it only to your friends or you can post it publicly and let anyone on the app see it. When you post publicly, users can find your BeReal in the app's Discovery tab. 

How do I add friends?

People choose a username when they sign up for the app, so you'll have to search for other people's usernames. You can grant the app access to your contacts when you first sign up to quickly find people you know that are already using the app. You can also find and add friends in the Discovery tab. 

Can I post my BeReal on Instagram?

You can if you want. You can see all your posted BeReals in Your Memories by tapping on your profile icon in the top-right corner, and a calendar will show your BeReals listed in chronological order. Just tap the BeReal you want, then share it on other social media or save it to your photos. (BeReal will first ask permission to access an outside app or your photos gallery.) If you want to share your BeReal on Instagram, it uploads to your Instagram Stories, and you can't edit the picture beyond adding text or a sticker.

As you post, your BeReals can be seen in Your Memories.

Zach McAuliffe/CNET

What else makes BeReal different from other social media?

Let's say you want to respond to a BeReal from a friend with a thumbs-up or a laughing face the way you would on other social media platforms. In order to do that, you have to create a "RealMoji," or a picture of you doing the corresponding emoji. So instead of just adding a pictogram of a thumbs-up, you have to send a photo of you with the gesture. If you want to convey to a friend that their BeReal was funny, snap a photo of your face appearing to laugh.

You can download BeReal for free in the Apple App Store or the Google Play Store.

For other social media news, check out how you can use social media for good, some Facebook alternatives and why early MySpace was the peak of social media. 

First published on April 19, 2022 at 11:00 a.m. PT.

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Home equity line of credit heloc rates for september 2022 holiday home equity line of credit heloc rates for september 2022 movie home equity line of credit how does a home equity line of credit work home equity line of credit home equity loan home equity loan rates wells fargo home equity loan home equity loan requirements

Home Equity Line of Credit: HELOC Rates for September 2022

Home Equity Line of Credit: HELOC Rates for September 2022

A home equity line of credit, or HELOC, is a loan that allows you to borrow against the equity you've built up in your home and functions like a credit card. It provides an open line of credit that you can access for a certain amount of time (usually 10 years). During that time, you're only required to pay back the interest on money you've withdrawn, which means you can borrow a large amount of money for an extended period of time while only making minimum monthly payments.

HELOCs can be a good option because they have lower rates than most credit cards, personal loans, home equity loans and mortgage refinances. But HELOCs are also risky because they're secured loans, which require collateral to obtain financing: Your home serves as the collateral, so if you're unable to pay back the money you've withdrawn, you could lose your house. In addition, HELOCs have variable interest rates that mean your rate can go up or down with the market, so you won't always have a predictable monthly payment.

We'll walk you through how a HELOC works, how to decide if it's the right option for you and how it stacks up against other loan types.

Current HELOC rate trends

Right now, the average interest rate for a HELOC is 6.5%, according to Bankrate, which is owned by the same parent company as CNET. Anything below the average rate is typically considered a good rate for HELOCs. 

Interest rates for HELOCs are variable and largely determined by the benchmark interest rate, which is set by the Federal Reserve. So far this year, the Fed has raised the benchmark interest rate four times and has signaled it will continue raising rates throughout 2022. Interest rates for HELOCs tend to be lower than mortgage rates and other home equity loan rates, which is one of the benefits. They also usually have introductory periods during which they offer an even lower rate for a certain amount of time. 

What is a HELOC?

A HELOC is a home loan that allows you to tap into your home's equity over an extended period of time. You can find out how much equity you have in your home by subtracting your remaining mortgage balance from the house's current market value. So if your house is worth $500,000 and you have $300,000 left to pay off on your mortgage, you would have $200,000 in equity. Typically you can borrow up to 85% of your equity — in this case, that's $170,000.

A HELOC functions as a revolving line of credit that you can continually access. The time period when you can draw money from your line of credit is called the draw period, and it's usually 10 years for HELOCs. This could be a good option if you need access to money, but aren't sure how much you'll need (or when you'll need it). HELOCs also tend to have lower interest rates than other types of home loans or personal loans.

If you need cash for home improvements or to pay higher education costs like tuition, a HELOC can be beneficial because you can repeatedly withdraw money over the course of your loan term. Plus, you only have to pay interest on the money that you withdraw. So, if you're approved for a HELOC of $100,000 and only withdraw $25,000, you'll only pay interest on the $25,000. 

How do HELOCs work?

Since HELOCs work like a line of credit, during the draw period you can take out money as many times as you need via check or a debit card, as long as it's below your total HELOC loan amount. You must also make minimal monthly payments, typically just for the interest that accrues during the draw period. As you repay your HELOC, this money is added back to your revolving balance (so you can continue to withdraw funds).

Once the draw period comes to an end you enter the repayment period, which usually lasts between 10 to 20 years. At this point, you cannot take more money out of your HELOC. Once you're in the repayment period, your monthly payments will go up because you must start paying back the principal (the amount you withdrew) in addition to the accrued interest.

Pros of a HELOC

• Lower interest rates: HELOCs typically have lower interest rates than other home equity loans, personal loans or credit cards. 
• Long draw and repayment periods: Most HELOCs let you withdraw money for as long as 10 years, and then offer an even longer repayment period (usually up to 20 years).
  
• You can take the money in installments: You don't have to use all of the money available at once, and you only have to pay interest on the funds you withdraw.
  

Cons of a HELOC

• You have to use your own home as collateral: If you default on a HELOC or can't make your payments, you could lose your home. When you put a house up as collateral and cannot repay your loan, the bank or lender can foreclose on your home, which means they can take ownership of your house in order to make up for the money they lost. 
• They have variable interest rates: Your initial interest rate may be low, but HELOC rates are variable and not fixed. This means they can fluctuate depending on what's happening with the economy and the benchmark interest rate. This means your monthly payments are not predictable and can fluctuate over the course of the loan. While there are fixed-rate HELOCs, they are less common and are considered a hybrid between a HELOC and a home equity loan.
  
• There may be minimum withdrawal amounts: Some HELOCs have minimal initial withdrawal amounts, which could lead you to taking out more money than planned (and having to pay back more than planned).
  

HELOCs vs. home equity loans

HELOCs and home equity loans both allow you to borrow against the equity you've built up in a home. With both, you take out a second home loan in addition to your mortgage. Your home is also used as collateral to secure either type of loan. A home equity loan, however, offers a lump sum of cash that you pay back in fixed monthly installments. A HELOC, on the other hand, approves you for a set loan amount and then allows you to withdraw only what you need, when you need it.

A HELOC has a variable interest rate, whereas home equity loans are fixed-rate loans. This means, you'll have a more predictable monthly payment with a home equity loan. HELOCs are much more flexible, but your monthly payments can be more unpredictable since your interest rate can fluctuate. With a HELOC, you need to make sure you can afford your monthly interest payments if your rate shoots up.

A HELOC is better if

• You need access to credit for an extended period of time (usually 10 years)
• You need more time to repay the loan amount
  
• You want the flexibility to withdraw your money in installments and not all at once
  

A home equity loan is better if

• You want a fixed interest rate
• You want a predictable monthly repayment schedule
  
• You want one lump sum of cash and know exactly how much money you need

HELOCs vs. cash-out refinances

A cash-out refinance is a different type of loan than a HELOC: You are quite literally cashing out the equity you've built up in your home over the years. It replaces your current mortgage with a new mortgage equal to your home's value, and allows you to cash out the amount you've built in equity. If your home is valued at $300,000 and you still owe $100,000 on a mortgage, the difference of $200,000 is your home equity. Lenders often let you cash out 80% of your equity ($140,000 in this case).

With a HELOC, you're also cashing out your equity, but you are taking out an additional loan alongside your current mortgage. So, you will have to make your monthly mortgage payments in addition to repaying your HELOC each month. With a cash-out refinance, you are only responsible for your mortgage payment every month. However, your mortgage payment will be more expensive because you added more money onto your mortgage when you cashed out your equity.

A cash-out refinance offers you this equity in a lump sum, whereas a HELOC lets you draw on your equity in installments and offers a yearslong line of credit.

A HELOC is better if

• You need access to credit for an extended period of time (usually 10 years)
• You need a longer loan repayment period
  
• You want to the flexibility to withdraw your money in installments
  

A cash-out refinance is better if

• You want to refinance your mortgage to a lower interest rate or shorter term
• You want one one lump sum of cash and know the amount
  
• You want one fixed monthly mortgage payment
  

FAQs

What is a good HELOC rate?

Anything below the average rate is typically considered a good rate for HELOCs. Currently, the average interest rate for a HELOC is 6.5%, according to Bankrate. 

How do I qualify for a HELOC?

To qualify for a HELOC, you must have good credit, at least 15% to 20% equity in your home and a debt-to-income ratio that does not exceed 43%. (Your debt-to-income ratio is your total monthly debts divided by your gross monthly income.) So, if you make $4,000 a month before taxes and pay $1,500 in debts each month, your DTI would equal 37.5%. The lower your DTI, the better your approval chances.

If you have good or excellent credit, you could lock in a lower HELOC rate closer to 3% to 5%. If you have below average credit expect to pay rates closer to 9% to 10%. Lenders usually want to see at least a 620 credit score or higher. You can be denied for a HELOC if you don't have a high enough credit score or income. You can also be denied if you don't have enough equity built up in your home. Most lenders require at least 15% to 20%. 

What can I use a HELOC for?

You can use your line of credit for almost anything, but HELOCs are typically best for people who need access to available credit over a long period of time or who will be making recurring withdrawals. For example, HELOCs are good for home improvement projects that could potentially take years or higher education expenses like tuition.

How do I apply for a HELOC?

You have to be approved for a HELOC by a bank or lender just like with your mortgage. You will need to provide financial documents like pay stubs and information about your home's value, like your loan-to-value ratio. Lenders will also run a credit check before approving you. 

In some cases, you may need to have your home appraised to confirm its current market value. It's important to interview multiple lenders to compare rates and fees in order to find one who will give you the best rates. Some experts recommend starting with the bank or lender that already holds your mortgage, but shopping around can help you compare offers. 

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 like the size of your down payment, home price and interest rate to help you figure out how large of mortgage you may be able to afford. Using the CNET mortgage calculator can help you understand how much of a difference even a slight increase in rates can make in how much interest you'll pay over the lifetime of your loan.

Compare mortgage rates:

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Yes, you can fix a broken phone during the coronavirus lockdown. See 3 ways to repair it

Yes, you can fix a broken phone during the coronavirus lockdown. See 3 ways to repair it

For the most up-to-date news and information about the coronavirus pandemic, visit the

WHO

and

CDC

websites.

Accidents happen. Cracking your iPhone's ($500 at Best Buy) screen or breaking your Android phone's charging port is the last thing any of us wants to worry about right now. Especially with most of us under stay-at-home orders, practicing social distancing and wearing face masks in public during the coronavirus pandemic.

You may be spending more time at home, but chances are you're still texting, watching videos and making more calls than ever from your phone. So what happens if it takes a tumble onto the sidewalk when you're out for a social-distancing walk? What if it slides off the counter top when you're making dinner? What if it just starts acting buggy?

Normally you might pop into a retail store, but in an effort to stem the spread of the COVID-19 disease, retail stores across the country have closed, including Apple Stores, and wireless carriers have closed the majority of their brick-and-mortar stores, too. So where do you go to get your phone repaired? You still have several options to get it fixed. 

Apple support has a few different options for you. 

Screenshot by Jason Cipriani/CNET

Fixing a broken iPhone

If your iPhone isn't physically broken, and you're experiencing software or performance issues, use the Apple Support app to talk to an employee who can help troubleshoot your issue. The app allows the support representative to run diagnostic reports and guide you through any potential fixes. 

For physical damage or an unresponsive device that needs to be fixed or replaced, you can find a list of authorized Apple service providers by visiting this support page and click on Schedule a Repair. You'll be asked to sign in to our Apple ID and select a device that's linked to your account, after which you can search for an open store. 

Using an Apple-approved repair center will allow you to take advantage of lower repair fees if you have AppleCare Plus on your iPhone. 

It's a good idea to call the store before you finalize your appointment, as some stores may have adjusted their hours or temporarily closed due to being nonessential services. 

If you don't feel comfortable going out in public, or lack a nearby repair facility, you can also mail your phone to Apple in for service. Visit this support page and click on Send in for Repair the follow the prompts. Of course, this is a less than ideal solution, because you'll be without your phone for up to five days. You can use an old phone or buy a cheap backup phone to keep you connected while your device is in the shop. 

uBreakiFix is still open and repairing broken devices. 

Screenshot by Jason Cipriani/CNET

Android phone repairs

As a whole, Android owners don't have a central location, like an Apple Store, that they can go to for repairs. Don't let that stress you. For software and performance issues, contact your wireless carrier or your phone maker to troubleshoot. Most of the time, those types of issues can be resolved over the phone. 

Best Buy has paused device repairs for the time being, leaving Android owners to find third-party repair businesses. One such reputable company is uBreakiFix, an official Samsung repair partner. uBreakiFix repairs all types of phones, tablets and even computers -- including Apple products. 

In order to help keep customers and employees safe, uBreakiFix has rolled out curbside service and a mail-in option. In some areas, you can even have a tech come to your home and fix your device. Find the closest uBreakiFix location and the repair services offered using the company's availability tool.

Again, it's probably best to call any business directly to confirm they're open -- especially as more cities continue to shut down nonessential services -- and make sure they're taking appointments and have the parts in stock to complete your specific repair. It may be you need to mail in your device.

You can also repair your phone yourself. 

iFixit

Fix it yourself

If you're out of warranty and feel comfortable attempting to repair your phone on your own, you can always order a repair kit from iFixit. There are kits that include everything you need -- including the tools -- to replace a broken iPhone screen, swap out an Android phone's battery or more. 

iFixit has posted guides that go with each kit, walking you through the entire process. If your movement isn't restricted, it'll save you a trip out, and potentially save you some money in the process.

While we all try to do our part to stop the spread of coronavirus, there are some myths you should be aware of. And if you absolutely have to go out, use these best practices to keep yourself safe. Here's the current knowledge on coronavirus and your delivery packages.

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How much house can you afford on 100k salary how much house can you afford based on salary how much house can you afford calculator how much house can i afford how much house can i afford dave ramsey how much house can i afford fha how much house can i buy how much house can i afford zillow how much water should you drink in a day

How much house can you afford calculator | CNET

How much house can you afford calculator | CNET

CNET's mortgage calculator can help you figure out how you can affording when searching for a new house. Our calculator works by collecting some basic financial information, layering in some regional home sales data and calculating an estimated monthly mortgage payment. (Note that the information collected is used only to calculate your monthly mortgage payment -- and not for marketing or ad-targeting purposes.) 

This home mortgage calculator can only provide you with an estimate -- your actual monthly mortgage payment (and other related costs) will depend on your specific financial situation, the property, your state of residence and your lender's terms and conditions.

How our mortgage affordability calculator works

This calculator uses your ZIP code to estimate a property tax rate, and your credit score to estimate a mortgage interest rate. It uses your monthly income and your current monthly debt payments to calculate the monthly payments you can afford to stay under a target debt-to-income ratio. Finally, the calculator subtracts your other estimated monthly expenses, such as property taxes and homeowners insurance, to determine your monthly housing budget -- and the total home price you can afford. 

The formula used is: Monthly payment = (income x DTI) - debts - tax - insurance.

If you want to figure out how much your monthly payment will be instead, check our our mortgage calculator.

How much home can I afford?

You can quickly gauge how much you can safely spend on a mortgage and other debts by using the 28/36 rule. Not only can this rule give you insight into your overall financial health, but many lenders use it to determine whether you're a good loan candidate.

So what is the 28/36 rule? This simple rule of thumb says that you should spend a maximum of 28% of your gross monthly income -- that's your salary before any taxes or deductions come out -- on housing-related expenses -- such as your mortgage payment, principal, interest, taxes, private mortgage insurance (PMI) and homeowners dues.

 This rule also says that you should keep all of your household debt under 36% of your gross monthly income. That includes your mortgage,  credit card payments, car loans and student loans.

For example, if you make $5,000 per month (before taxes), using the 28% rule, you could safely spend up to $1,400 on your housing expenses. You should also aim to keep your total monthly household debt under $1,800 (or 36% of your pay).

Of course, these amounts are the upper limits of what you should plan on spending -- if possible keep these costs under the 28/36 thresholds.

What's my debt-to-income ratio?

Your debt-to-income ratio (DTI) shows lenders how much you make each month compared to how much you spend on debt. This figure helps lenders assess your financial health and when evaluating your loan application.

To calculate your DTI, you'll divide your monthly debt payments -- loans, credit cards, alimony and child support -- by your gross monthly income to get your DTI percentage. If you're applying with your spouse, include both of your incomes and debts in this calculation.

To qualify for a mortgage, try to keep your DTI as low as possible. Most lenders prefer borrowers with a DTI of 36% or less.

For example, let's say that you earn $5,000 per month and these are your monthly expenses: 

• Credit card payment: $250
• Student loan payment: $500
  
• Car loan: $250
  
• House payment: $1,000
• Total: $2,000

From there, you'd divide your monthly expenses ($2,000) by your monthly income ($5,000), giving you a 40% DTI. While this might qualify you for a mortgage with some lenders,  paying down some of your deb could help lower your DTI, making your mortgage application more attractive to lenders. A lower DTI could also help you qualify for a better mortgage rate, saving you thousands in interest.

Don't forget down payments, closing costs, mortgage insurance and other fees

This affordability calculator can help you determine how much of a home you can afford, but that doesn't mean you should look for homes for the maximum amount in your price range. Buying a home comes along with many upfront costs that you'll want to consider when shopping for a home.

• Down payment: Depending on your loan type, expect to pay between 3% to 20% upfront. If you secure a USDA or VA loan, you may be exempt from providing a down payment.
• Closing costs: When you close on your new home, you'll likely have closing costs ranging from 2% to 5% of your total mortgage amount. Your closing costs typically include taxes, home appraisals, inspections, attorney fees, title insurance and other miscellaneous fees.
  
• Mortgage insurance: When you put less than 20% down on a home, you'll be required to purchase a form of mortgage insurance. Conventional loans require private mortgage insurance (PMI) and FHA loans require a mortgage insurance premium (MIP) -- both which have upfront and annual costs.
  
• Guarantee, funding or origination fees: USDA loans require an upfront and annual guarantee fee, while VA loans require an origination fee. Other conventional loans might also require processing or origination fees.
  

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How much house can I afford with an FHA loan? 

With an FHA loan, you'll need to put at least 3.5% of the home price down at closing if your credit score is 580 or higher. If your score is lower than 580, you'll need to put at least 10% down. 

When putting down less than 20% with an FHA loan, you'll also be required to purchase a mortgage insurance premium (MIP). This has two costs -- an upfront fee and recurring monthly charge. The upfront fee is currently 1.75% of your home loan amount. Your annual percentage rate will vary depending on your home price, loan-to-value ratio (mortgage balance divided by your appraised home value) and your loan terms. Currently rates range from 0.45% to 1.05% and will be divided evenly into monthly payments you'll pay along with your home loan.

An example of what you'll pay with an FHA loan

Let's say you use the calculator to determine you can afford a home up to $275,000. Using this price, if your credit score is 580 or higher, you'll need $9,625 for your down payment with an FHA loan. If your credit score is below 580, you'll need to put $27,500 down at closing. 

If your credit score is a 600, you'll need to put $9,625 down and take out the remaining $265,375 as a loan. In this scenario, your upfront MIP payment would be approximately $4,644 and if your annual MIP rate would be 0.85%. This means, your first year's MIP would be $2,255.69, divided into 12 monthly payments of $187.97.

Assuming your closing costs are 3% of your home loan, you'll need another $5,307.50 at closing. All in, you'll need $19,576.50 at closing and not just the $9k down payment.

Upfront costs 

• Down payment  - $9,625
• Upfront MIP fee - $4,644
• Closing costs - $5,307.50
• Total closing costs - $19,576.50

You can learn more about FHA loans here.

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How much house can I afford with a USDA loan? 

One of the main benefits of a USDA loan is that it doesn't require a down payment, making it easier for manyto become a homeowner. However, USDA loans have strict criteria you'll need to meet to qualify -- including living in a USDA-designated area and not exceeding the income threshold for that area. You'll also need to have a DTI under 41% and a monthly mortgage payment that doesn't exceed 29% of your monthly income.

An example of what you'll pay with a USDA loan

Let's assume that you've used the mortgage calculator and found that you can afford a $275,000 home. Although you won't need a down payment, you will need to take out mortgage insurance. This equates to an upfront fee of 1% of your loan amount (due at closing), as well as an annual payment of 0.35% of your loan amount (paid monthly with your mortgage). 

In this example, your upfront fee would be $2,750, and your annual payment would be $962.50, split into monthly payments of $80.21.

Finally, since USDA loan closing costs typically run between 3-6% of the purchase price, let's say yours is 4.5% (or $12,375). Altogether, that's an upfront cost of $15,1258 -- with no down payment.

Upfront costs 

• Down payment  - $0
• Upfront MIP fee - $2,750
• Closing costs - $12,375
• Total closing costs - $15,125

You can learn more about USDA loans here.

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How much house can I afford with a VA loan? 

Available to current or former US military members, VA loans are backed by the US Department of Veterans Affairs. Like USDA loans, VA loans are especially attractive to low-income home buyers since they don't require a down payment. To qualify, you or your spouse must be a veteran or active duty service member, and your property needs to meet VA loan requirements. For example, it can't be a fixer-upper or a secondary/vacation home.

An example of what you'll pay with a VA loan

Let's say that the mortgage calculator determined that you can spend as much as $275,000 on a home. Since you're taking out a VA loan, you won't need to put anything down or pay for mortgage insurance. 

However, you will need to pay a one-time VA funding fee at closing. This fee can be rolled into the loan amount and paid monthly, but we'll include it as an upfront cost in this example. If you put 0% down, the fee is 2.3% for first-time VA loans and 3.6% for subsequent loans. The fee decreases if you put more money down, but let's assume that it's your first VA loan and you're not making a down payment in this scenario. In that case, your funding fee would equal $6,325.

With a 4% closing cost, you'll need to pay another $11,000 upfront. That comes out to a total of $17,325. 

Upfront costs 

• Down payment  - $0
• Upfront VA funding fee - $6,325
• Closing costs - $11,000
• Total closing costs - $17,325

You can learn more about VA loans here.

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Other home expenses to consider

Along with your principal, interest, taxes and insurance (aka PITI), there are several other costs of homeownership to consider in your budget.

• HOA fees: Depending on your new home's location, you may be subject to homeowners or condo association fees each month, quarter or year.
• Maintenance and repairs: When you own a home, maintenance and repair expenses are inevitable. You'll have to factor those into your budget as well. Most experts recommend saving between 1% and 2% of your home's value for annual maintenance.
  
• Utility bills: There's a good chance you're already paying utility bills for your current home. But remember that moving to a new home, especially if you're moving from an apartment to a house, can result in significantly larger expenses for electricity, heat, natural gas and water.
  

More mortgage advice

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https://customiseq.pops.my.id/

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