DJI Phantom 3

You Should Have Left 2020

Embark on a Quest with You Should Have Left 2020

Step into a world where the focus is keenly set on You Should Have Left 2020. Within the confines of this article, a tapestry of references to You Should Have Left 2020 awaits your exploration. If your pursuit involves unraveling the depths of You Should Have Left 2020, you've arrived at the perfect destination.

Our narrative unfolds with a wealth of insights surrounding You Should Have Left 2020. This is not just a standard article; it's a curated journey into the facets and intricacies of You Should Have Left 2020. Whether you're thirsting for comprehensive knowledge or just a glimpse into the universe of You Should Have Left 2020, this promises to be an enriching experience.

The spotlight is firmly on You Should Have Left 2020, and as you navigate through the text on these digital pages, you'll discover an extensive array of information centered around You Should Have Left 2020. This is more than mere information; it's an invitation to immerse yourself in the enthralling world of You Should Have Left 2020.

So, if you're eager to satisfy your curiosity about You Should Have Left 2020, your journey commences here. Let's embark together on a captivating odyssey through the myriad dimensions of You Should Have Left 2020.

Showing posts sorted by relevance for query You Should Have Left 2020. Sort by date Show all posts
Showing posts sorted by relevance for query You Should Have Left 2020. Sort by date Show all posts

You Should Probably Clear Your IPhone Cache


You Should Probably Clear Your iPhone Cache


You Should Probably Clear Your iPhone Cache

Your iPhone is a handy, versatile piece of technology. Looking for a new recipe? Easy. Need a new internet provider? You can do that, too. Trying to figure out which actor appeared in the most 007 movies? Just search online. (The answer: Desmond Llewelyn, who appeared as Q in 17 Bond films from the '60s through the '90s.) Regardless of what you need it for, your iPhone does a lot of work.

But here's the thing: Whether you do your browsing in Chrome, Safari or elsewhere, your cache builds up digital clutter over time. Clearing your cache gives your browser a new start, which can speed up your browsing whether you're using iOS 15 or the public beta of iOS 16. (And if you're trying to get your phone to run faster, try managing your iPhone's storage.) 

CNET Tech Tips logo

Clearing your cache is like clearing out your fridge. When you visit a site, your iPhone downloads photos, banners and other data. To make that process faster, most browsers store some data in a cache to make loading faster. It's great when the fridge is fully stocked and you can quickly grab what you need... and less great when the thing you grab expired two months ago. 

Eventually, your browser's cache will become outdated and the data being retrieved no longer matches the data actually being used on the website. The result? Slower load speeds and wonky website formatting. This is the equivalent of your fridge being full of gross, expired products.

That's why clearing your cache can help: It gives sites a fresh start in your browser and frees up some space in your storage. Note that clearing your cache will sign you out of sites you're currently logged into. Still, it's generally worth that mild inconvenience about every month to keep things moving quickly. 

Here are step-by-step guides on how to clear your cache on your iPhone based on the browser you use. 

How to clear your iPhone cache in Safari

Safari is the default browser on iPhones, and you can clear your Safari cache in a few short steps. Starting with iOS 11, following this process will affect all devices signed in to your iCloud account. As a result all your devices' caches will be cleared, and you'll need to sign in to everything the next time you use them. Here's what to do.

1.Open the Settings app on your iPhone.

2. Select Safari from the list of apps.

3. Go to Advanced > Website Data.

4. Scroll down and select Clear History and Website Data.

5. Choose Remove Now in the pop-up box.

Then you're set!

Read more:Best iPhone for 2022

How to clear your iPhone cache in Chrome

Google Chrome internet browser

It's easy to clear your iPhone cache in Chrome.

James Martin/CNET

Chrome is another popular browser for iPhone users. The overall process for clearing your Chrome cache requires a few more steps, and you'll need to do things through the Chrome browser itself. Here's how. 

1. Open the Chrome app.

2. Select the three dots in the bottom right to open more options.

3. Scroll down and select Settings.

4. Select Privacy in the next menu.

5. Then select Clear Browsing Data to open up one last menu.

6. Select the intended time range at the top of the menu (anywhere from Last Hour to All Time).

7.Make sure that Cookies, Site Data is selected, along with Cached Images and Files. Finally, hit Clear Browsing Data at the bottom of the screen.

Read more: This iPhone Setting Stops Ads From Following You Across the Web

How to clear your iPhone cache in Firefox

If you're a Firefox devotee, don't worry. Clearing the cache on your iPhone is pretty straightforward. Just follow these steps. 

1. Click the hamburger menu in the bottom right corner to open up options.

2. Choose Settings at the bottom of the menu.

3. Select Data Management in the Privacy section.

4. You can select Website Data to clear data for individual sites, or select Clear Private Data at the bottom of the screen to clear data from all selected fields.

Read more: Experiencing Slow Wi-Fi? It Could Be Caused By Internet Throttling. Here's How to Tell

What happens when you clear the cache? 

Clearing your cache removes the website data your phone stored locally to prevent having to download that data upon each new visit. The data in your cache builds over time and can end up slowing things down if it becomes too bulky. (My phone had about 150MB of data stored in Chrome when I checked.) Clearing that data gives sites a fresh start, which may fix some loading errors and speed up your browser. However, clearing your cache also signs you out of pages, so be prepared to sign in to everything again. 

How often do I need to clear my cache?

Most people only need to clear their caches once every month or two. That's generally the point when your browser will build up a cache large enough to start slowing things down. If you frequent a large number of sites, you should err on the side of clearing your cache more often.

For more, check out how to FaceTime between an iPhone and an Android device, how to download iOS 15 on your iPhone right now and five creative, fun photo projects to try with your phone at home. You can also take a look at CNET's list of the best cases for the iPhone 13


Source

Tags:

Why Did My Student Loans Disappear?


Why did my student loans disappear why did my student loans close why did my student loan servicer change why did my student loan get transferred why should student loans be forgiven why did my student loan get transferred why did my student loan payment increase why did my student loan account close why did my computer restart why did my mouse disappear why did my cat throw up why did my computer crash why didn t they ask evans why did i get married why did boris resign why did pernell roberts leave bonanza

Why Did My Student Loans Disappear?


Why Did My Student Loans Disappear?

What's happening

If Navient was your federal loan servicer, your loans have been transferred to Aidvantage.

Why it matters

With the federal loan pause ending in September, you'll want to know how to log into Aidvantage's website to view your student loan account.

What's next

The payment pause could be extended again, but we recommend verifying your Aidvantage account now, just in case.

Federal student loan repayments have been paused for more than two years, since the start of the pandemic. It's unclear if the pause will be extended again, and currently payments are set to resume in September. If you haven't logged into your student loan account since the payment freeze began, now is a good time to check in. 

If you had Navient federal student loans owned by the US Department of Education, your loans have moved to a new loan servicer. In 2021, Navient exited the federal student loan servicing industry, transferring its caseload of 5.6 million student loans to Aidvantage, which is owned by student loan giant Maximus. The new loan servicer will not affect the existing terms and conditions, interest rates or available repayment plans, but you should carefully review any communications you received about the transfer. 

Here's everything you need to know about what happened to Navient, and how to log in to your new Aidvantage student loan account.

Why did Navient leave the student loan industry?

Navient was long under fire from the Consumer Financial Protection Bureau, which sued the loan servicer in 2017: It claimed that the company had pushed borrowers into costly, subprime private loans they would be unable to repay. In January, Navient canceled $1.7 billion in private student loans for nearly 66,000 borrowers after coming under scrutiny for engaging in abusive and deceptive practices, including targeting students the company allegedly knew couldn't pay back loans

In 2020, the US Department of Education announced changes to loan servicing in an effort to modernize the federal student loan system. As part of the Next Gen Initiative, the Department of Education extended its partnership with five of the 10 current loan servicers, which would continue servicing federal student loans, but under stricter government regulations. Navient, along with FedLoan and Granite State, opted to end their participation in federal student loan servicing at the end of 2021.

Michael Lux, a student loan expert, attorney and founder of the Student Loan Sherpa, said that the "increase in federal regulation and government scrutiny over federal loan servicing is almost certainly to blame for Navient's departure." 

What does Navient's departure mean for your student loans?

If your federal student loans were previously serviced by Navient, here's what you need to know:

1. Aidvantage is your new student loan servicer

By now, you should have been notified of this change by mail or email from Navient, Aidvantage and the Department of Education. If you have not received a notification, you should log in to your existing Navient account and double-check your contact information to make sure it's correct. Even if your address was outdated, you should be able to log in to your new account. 

2. You can access your Aidvantage account with Navient credentials

If you try to log in to Navient, you'll find a $0 balance: This balance is simply showing that your loans have been purchased by Aidvantage. To log in to your new account, visit aidvantage.com and enter your Navient login information.

The process is nearly identical to Navient's. Once you enter your login and password, you'll be prompted to enter your Social Security number or account number and date of birth to confirm your identity. From there, you'll be taken to the Aidvantage account home page, which looks just like the Navient landing page, right down to the left-hand navigation options.

If you can't remember your login information, select "Forgot user ID" or "Forgot password" and confirm a personal identification question to have a new one emailed to you. If you still can't get in or no longer have access to the email on file, reach out to Aidvantage for assistance at 800-722-1300.

3. Your payment preferences should be the same, but double check

Any payment terms you set up with Navient -- autopay, deferment, income-driven repayment plans -- should have transferred seamlessly to Aidvantage. Of course, since federal student loan payments have been paused for over 20 months, you may need to review the payment details, particularly with the end of forbearance approaching. And, if your job situation has changed since you last reviewed your loan repayment options, you may want to apply for income-driven repayment or other repayment options through Aidvantage now, so you're ready to go when repayment begins in September.

So after logging in to Aidvantage, you should find that your preferred payment method and autopay selection have transferred over, along with your payment history and record of loans paid in full.

4. Repayment is currently scheduled for September

Federal student loan payments remain on pause through Aug. 31. If you haven't already been paying your loans during the forbearance period, be sure you know what your monthly payment will be now, so you can factor this into your budget. You can also explore the repayment options if you need additional assistance. 

If you want to explore further deferment or forbearance options, you can do this through your account online under "Repayment options." You can also speak to Aidvantage directly at 800-722-1300.

FAQs

Did Navient become Aidvantage?

No. At the end of 2021, Navient transferred its caseload of 5.6 million student loans to Maximus, another federal student loan contractor. Maximus is operating its student loan servicing under the name Aidvantage.

Should I pay my student loans now or wait for loan forgiveness?

There's no guarantee of widespread student loan forgiveness, but the latest news indicates that the Biden administration may be considering $10,000 in federal student loan relief, with some income limitations. No official announcements have been made yet. Unless you have only this amount in federal student loans or less, it's smart to plan for repayment now. And, if you're able to, paying during the pause can lower your principal loan amount, helping you save money on interest when payments resume.

If you're a teacher, healthcare worker, firefighter or other public servant, you may be eligible for forgiveness through the expanded Public Service Loan Forgiveness program. Since changes were made last October, the PSLF has identified more than 113,000 borrowers eligible for loan cancelation. If you're eligible for the PSLF or were on an income-driven repayment plan, which offers you forgiveness after 20 to 25 years of payments, each month of paused payments counts towards your loan forgiveness goal. So, you should plan for repayment, but there is little benefit in making payments during the freeze.


Source

Why Did My Student Loans Disappear?


Why did my student loans disappear why did my student loan payment increase why did my student loan decrease why did my student loan interest rate go up why did my student loan increase why did my iphone screen go black why did my dad leave me why did my browser change to yahoo why did twitch kill himself why did kelli giddish leave svu why did i get married why did amanda leave svu
Why Did My Student Loans Disappear?


Why Did My Student Loans Disappear?

What's happening

If Navient was your federal loan servicer, your loans have been transferred to Aidvantage.

Why it matters

With the federal loan pause ending in September, you'll want to know how to log into Aidvantage's website to view your student loan account.

What's next

The payment pause could be extended again, but we recommend verifying your Aidvantage account now, just in case.

Federal student loan repayments have been paused for more than two years, since the start of the pandemic. It's unclear if the pause will be extended again, and currently payments are set to resume in September. If you haven't logged into your student loan account since the payment freeze began, now is a good time to check in. 

If you had Navient federal student loans owned by the US Department of Education, your loans have moved to a new loan servicer. In 2021, Navient exited the federal student loan servicing industry, transferring its caseload of 5.6 million student loans to Aidvantage, which is owned by student loan giant Maximus. The new loan servicer will not affect the existing terms and conditions, interest rates or available repayment plans, but you should carefully review any communications you received about the transfer. 

Here's everything you need to know about what happened to Navient, and how to log in to your new Aidvantage student loan account.

Why did Navient leave the student loan industry?

Navient was long under fire from the Consumer Financial Protection Bureau, which sued the loan servicer in 2017: It claimed that the company had pushed borrowers into costly, subprime private loans they would be unable to repay. In January, Navient canceled $1.7 billion in private student loans for nearly 66,000 borrowers after coming under scrutiny for engaging in abusive and deceptive practices, including targeting students the company allegedly knew couldn't pay back loans

In 2020, the US Department of Education announced changes to loan servicing in an effort to modernize the federal student loan system. As part of the Next Gen Initiative, the Department of Education extended its partnership with five of the 10 current loan servicers, which would continue servicing federal student loans, but under stricter government regulations. Navient, along with FedLoan and Granite State, opted to end their participation in federal student loan servicing at the end of 2021.

Michael Lux, a student loan expert, attorney and founder of the Student Loan Sherpa, said that the "increase in federal regulation and government scrutiny over federal loan servicing is almost certainly to blame for Navient's departure." 

What does Navient's departure mean for your student loans?

If your federal student loans were previously serviced by Navient, here's what you need to know:

1. Aidvantage is your new student loan servicer

By now, you should have been notified of this change by mail or email from Navient, Aidvantage and the Department of Education. If you have not received a notification, you should log in to your existing Navient account and double-check your contact information to make sure it's correct. Even if your address was outdated, you should be able to log in to your new account. 

2. You can access your Aidvantage account with Navient credentials

If you try to log in to Navient, you'll find a $0 balance: This balance is simply showing that your loans have been purchased by Aidvantage. To log in to your new account, visit aidvantage.com and enter your Navient login information.

The process is nearly identical to Navient's. Once you enter your login and password, you'll be prompted to enter your Social Security number or account number and date of birth to confirm your identity. From there, you'll be taken to the Aidvantage account home page, which looks just like the Navient landing page, right down to the left-hand navigation options.

If you can't remember your login information, select "Forgot user ID" or "Forgot password" and confirm a personal identification question to have a new one emailed to you. If you still can't get in or no longer have access to the email on file, reach out to Aidvantage for assistance at 800-722-1300.

3. Your payment preferences should be the same, but double check

Any payment terms you set up with Navient -- autopay, deferment, income-driven repayment plans -- should have transferred seamlessly to Aidvantage. Of course, since federal student loan payments have been paused for over 20 months, you may need to review the payment details, particularly with the end of forbearance approaching. And, if your job situation has changed since you last reviewed your loan repayment options, you may want to apply for income-driven repayment or other repayment options through Aidvantage now, so you're ready to go when repayment begins in September.

So after logging in to Aidvantage, you should find that your preferred payment method and autopay selection have transferred over, along with your payment history and record of loans paid in full.

4. Repayment is currently scheduled for September

Federal student loan payments remain on pause through Aug. 31. If you haven't already been paying your loans during the forbearance period, be sure you know what your monthly payment will be now, so you can factor this into your budget. You can also explore the repayment options if you need additional assistance. 

If you want to explore further deferment or forbearance options, you can do this through your account online under "Repayment options." You can also speak to Aidvantage directly at 800-722-1300.

FAQs

Did Navient become Aidvantage?

No. At the end of 2021, Navient transferred its caseload of 5.6 million student loans to Maximus, another federal student loan contractor. Maximus is operating its student loan servicing under the name Aidvantage.

Should I pay my student loans now or wait for loan forgiveness?

There's no guarantee of widespread student loan forgiveness, but the latest news indicates that the Biden administration may be considering $10,000 in federal student loan relief, with some income limitations. No official announcements have been made yet. Unless you have only this amount in federal student loans or less, it's smart to plan for repayment now. And, if you're able to, paying during the pause can lower your principal loan amount, helping you save money on interest when payments resume.

If you're a teacher, healthcare worker, firefighter or other public servant, you may be eligible for forgiveness through the expanded Public Service Loan Forgiveness program. Since changes were made last October, the PSLF has identified more than 113,000 borrowers eligible for loan cancelation. If you're eligible for the PSLF or were on an income-driven repayment plan, which offers you forgiveness after 20 to 25 years of payments, each month of paused payments counts towards your loan forgiveness goal. So, you should plan for repayment, but there is little benefit in making payments during the freeze.


Source

Should You Buy A New Mac Now, Or Should You Wait?


Should i buy mac which new macbook should you buy when to buy a mac order or never lyrics buying a new mac should you buy a new car now or wait should you buy a used tesla should you buy gold should you pull pokemon masters should you rake leaves in fall
Should you buy a new Mac now, or should you wait?


Should you buy a new Mac now, or should you wait?

This story is part of WWDC 2022, CNET's complete coverage from and about Apple's annual developers conference.

At Apple's WWDC 2021 keynote, new Mac hardware was nowhere to be seen. After a seven-month stretch that brought us new M1-powered laptops and desktops, there's still been no official announcement of an Apple silicon Mac Pro, larger-screen MacBook Pro or 27-inch iMac (although some rumors have popped up).

As part of its aggressive move away from Intel-powered computers, the company introduced a MacBook Air, 13-inch MacBook Pro and Mac Mini desktop using its own M1 processors in late 2020. In April 2021, the smaller of two iMac desktop models was redesigned with a larger 24-inch screen, an M1 chip and a new, colorful body. The last new Intel-powered Mac to be announced was the Intel Core i9 27-inch iMac in the summer of 2020, which was most notable for adding an excellent 1080p webcam, a version of which is now in the 24-inch iMac. 

But left out of the first two rounds of M1 Macs were systems for the kind of high-end creative professionals who rely on the more powerful Mac Pro or 16-inch MacBook Pro. The M1 Macs are currently limited to 16GB of RAM and don't offer the discrete AMD graphics cards available in some Intel-powered Macs. 

With WWDC so focused on developers, it would have been the perfect time to introduce new Mac hardware for these power users, but it was not to be. New MacBook Pro models, potentially in 14- and 16-inch versions are still a possibility for this summer or later in 2021. 

With new MacOS updates and potential upcoming hardware in mind, here's where each of the current Macs sit in the lineup, and who should consider buying now and who should consider waiting. 

M1 MacBook Air

The M1 MacBook Air.

Dan Ackerman/CNET

MacBook Air

With the latest M1 version, introduced in late 2020, the classic $999 MacBook Air once again became one of the most universally useful laptops you can buy. It has essentially the same M1 CPU as the 13-inch Pro and 24-inch iMac, along with excellent battery life and a slim, light design. The biggest performance differences among M1 systems come from seven- versus eight-core graphics built into the M1, and the additional performance overhead available in systems with fans, like the MacBook Pro and 24-inch iMac, which lets systems run hotter, longer. 

For students, writers, work-from-home types and most mainstream users, I still think the MacBook Air represents a great value and a good place to start (and maybe finish) your hunt for a new computer. 

Read more: MacBook Air M1 review: Big changes from Apple silicon

MacBook Pro

My take on the M1 13-inch MacBook Pro has not changed much since it was introduced last year. With essentially identical performance to the less-expensive Air, you're paying for a slightly brighter screen, the Touch Bar and fan-based cooling. Unless you're a Touch Bar fan, I'd stick with the Air. 

The 16-inch Pro remains an Intel-only system, and can ramp up to 64GB of RAM and an AMD 5600M GPU, making it much more suitable for true "pro" users who are holding off on an Apple silicon Mac until there's something like the rumored M2 version with GPU support. 

apple-m1-macs-hands-on-with-the-new-mini-pro-and-air-mp4-00-00-05-01-still001.png

Apple's M1 Mac Mini. 

Dan Ackerman/CNET

Mac Mini

The often-overlooked Mac Mini is the least-expensive way to get both a MacOS system and an M1 device. In testing, we found it offers performance on par with or slightly better than the M1 MacBook Pro, which costs nearly twice as much. But the Mac Mini is also a niche product. It's great if you're working on not-too-taxing video work or podcasting and want to use your own display and input devices. It's a great computer for small production studios, because it can be tucked away almost anywhere. 

iMac

The 24-inch iMac is the first Mac designed from the ground up as an M1 system, and also the first major design update to the iMac line in about eight years. While it doesn't move the bar on performance or component options from the earlier M1 Macs, the excellent camera, much lighter weight and smaller, smarter-looking design all come together to make this a great family or home office computer. I'd consider it best for the work-from-home type who wants a bigger screen. 

Read more: Apple 24-inch iMac review: A colorful new M1 Mac for the post-quarantine world

Mac Pro 

The Mac Pro feels like a lifetime away from something like the MacBook Air. It's been through so many completely different iterations over the years, from the trash can mini-desktop to the current industrial tower design. Starting at $6,000, no one is going to confuse this for one the M1 Macs. It starts with Intel Xeon processors and offers various AMD Radeon GPUs and up to 1.5TB of RAM (which is literally a $25,000 upgrade). And don't forget the $400 wheels. 

My advice as of right now is that, if you're waiting for an AMD-equipped pro-level new Mac, either go with the still-available Intel versions, which will be supported for years to come, or keep waiting to see what happens later in 2021. If you're a student or casual user who has been waiting to buy a new MacBook, I can safely say that after seven months, I've only had a couple of very minor compatibility issues with the M1 MacBook Air, and it is hands-down my pick for the most practical Mac. I'm still waiting for a 27-inch version of the sleek new iMac, but the 24-inch model has almost everything else I want, as long as you're ok with the smaller screen. 


Source

Current Mortgage Rates: Compare Today's Rates


Current Mortgage Rates: Compare Today's Rates


Current Mortgage Rates: Compare Today's Rates

Mortgage rates are leveling off after climbing steadily since the beginning of the year. Although rates reached historic lows during the COVID-19 pandemic, they quickly reached their highest levels since 2008 earlier this year. Interest rates have been increasing in response to surging inflation, which is at its highest point in four decades, as well as the Federal Reserve raising rates multiple times for the first time since 2018. The Fed raised interest rates by 0.75 percentage points for the second time in July, one of the largest rate hikes since 1994.

Higher interest rates have significant implications for home buyers, especially as home prices remain sky-high. Higher mortgage rates, even by a few tenths of a percentage point, can add tens of thousands of dollars over the life of your loan. Higher rates shouldn't discourage you from buying a home, however. Even though rates have escalated, it's still a great time to lock in a mortgage rate, since rates are still historically low overall. Although rates crept back up and are now hovering in the mid-to-upper 5% range, generally speaking, in a rising rate environment, the sooner you act, the better, because it can help you secure a lower rate. 

"Mortgage rates have bounded more than 2 percentage points higher since the end of last year, one the largest and fastest increases ever seen," said Greg McBride, chief financial analyst at CNET's sister site Bankrate.

Here's everything you need to know about mortgage rates and how they work. 

What is a mortgage rate?

Your mortgage rate is the percentage of interest a lender charges for providing the loan you need to purchase a home. The interest helps cover the costs associated with lending money -- and there are multiple factors that determine the rate you're offered. Some are specific to you and your financial situation and others are influenced by macro market conditions, such as the overall level of demand for loans in your area or nationwide.

What factors determine my mortgage rate?

The factors that most often determine a mortgage rate are your credit score, the property's location, the size of the down payment, the terms of the loan and the type of loan. 

"A lot of mortgages are [paid back in 360 payments] over 30 years. Shorter-term loans, like 10, 15 or 20 years have lower interest rates," says Clint Lotz, president and founder of the predictive credit tech company TrackStar. "A larger down payment means a lower interest rate; if a homebuyer can make the 20% down payment, that's great, but if not, lenders will usually require the buyer to purchase PMI: private mortgage insurance."

In addition to the loan term, the loan type will impact your interest rate. Some loans have a fixed interest rate for the entire life of the loan, while others have an adjustable rate -- which could result in significantly higher payments down the road. 

Current mortgage and refinance rates

We use information collected by Bankrate, which is owned by the same parent company as CNET, to track daily mortgage rate trends. The above table summarizes the average rates offered by lenders across the country. 

What credit score do you need to get a mortgage?

Most conventional loans require a credit score of 620 or higher, but Federal Housing Administration and other loan types may accommodate lenders with scores as low as 500, depending on your down payment. If you have a high credit score, you may be offered a lower interest rate and more modest down payment. Improving your credit score before applying for a mortgage can save you money even if you already qualify for a loan.

"Credit is the biggest factor in interest rates on both mortgages and all other lending products, so making sure credit balances are below 30% is key to maximizing a credit score," says Lotz. "If a person finds errors on their credit report, they should dispute them to ensure the most accurate history."

What is annual percentage rate, and what does it mean for mortgages?

Your annual percentage rate is a key factor in choosing a mortgage. The Federal Open Market Committee lowered the US prime rate in 2020, which paved the way for today's relatively low rates: The interest rate offered to you by a lender is based on the prime rate plus whatever premium the institution decides to charge you, based on your financial situation.

How does the APR impact principal and interest?

Most mortgage loans are based on an amortization schedule: You'll pay the same amount each month for the life of the loan even though the generated interest will be highest at the beginning of the loan and will taper as the principal decreases. (Your amortization schedule will show how much of your monthly payment goes to interest and how much pays down the principal of the loan.) Ultimately, most borrowers appreciate the convenience of a fixed, predictable monthly payment. 

What else can impact my rate? 

Getting a good mortgage rate has to do with building credit but also managing it well, including saving for a down payment and keeping additional savings on hand to cover unexpected expenses. 

In most cases, you don't want to stretch so far with your down payment that you are left without cash reserves when you move into your home, and keeping some liquid savings may help your lender's confidence in your ability to pay back the loan, potentially lowering your rate.

"Banks are very keen on making sure that borrowers have sufficient savings in reserve post-closing. A good rule of thumb is six months of mortgage/tax and insurance for loans under $750,000 and 12 months for jumbo loans," says Melissa Cohn, an executive mortgage banker at Connecticut-based William Raveis Mortgage.

Keep in mind that credit scoring services like FICO adjust your credit based on mortgage inquiries; Lotz has a good piece of advice for those who are shopping around for the best rate at different lenders.

"The FICO company allows multiple mortgage inquiries within a 10-day period to be counted as one," says Lotz. "This allows a borrower to compare offers and rates from different lenders, but borrowers need to make sure they are within that one-day window, otherwise their scores will start to go down from excessive inquiries."

Shopping mortgage rates

Mortgage lenders often publish online their rates for different mortgage types, which can help you research and narrow down which lenders you apply to for preapproval. Shopping around is an important part of the process. And it's often a mistake to rush the process.

"The best rate [should be considered] -- but as important, the best service and with a reliable lender who can close the promised rate," says Cohn. "It's one thing -- especially right now -- to get quoted a rate. It's a very different matter of closing it in a timely fashion."


Source

Tags:

Asus ZenBook Duo 14 UX482 Review: A Dual-screen Laptop That Makes Sense


Asus zenbook duo 14 ux482 review asus zenbook duo 14 ux482 review asus zenbook duo 14 ux482 14 asus zenbook duo ux482eg asus zenbook 13 asus zenbook pro asus zenbook 17 fold oled
Asus ZenBook Duo 14 UX482 review: A dual-screen laptop that makes sense


Asus ZenBook Duo 14 UX482 review: A dual-screen laptop that makes sense

What I like most about the ZenBook Duo 14 is that you really can't tell from the outside of the laptop what you'll see when you lift the lid. Despite opening and closing it countless times at this point, I still get a kick out of seeing its secondary 12.6-inch touchscreen rise from above the keyboard to meet the bottom of the main 14-inch display. One screen flows into the next and, with the help of Asus' software, that slim display becomes more useful than you might think (and certainly more useful than Apple's Touch Bar). There are a few compromises that come with the design, but they might just be worth it.

Like

  • Useful dual-display design
  • Excellent performance and battery life
  • Active pen and case included

Don't Like

  • Keyboard, touchpad layout might take some adjustment
  • Memory is soldered on

The ZenBook Duo is available in two versions, a Pro Duo 15 OLED and the Duo 14 reviewed here. The Pro Duo 15 OLED will have up to a 10th-gen Intel Core i9 processor, with an Nvidia GeForce RTX 3070 discrete graphics and up to 32GB of memory when it arrives in April. The Duo 14 has either 11th-gen Core i5 or i7 processors, optional Nvidia MX450 discrete graphics and up to 32GB of memory. Prices start at $1,000, but the configuration I tested is $1,300. That converts to about AU$1,695 and £950. 

Asus ZenBook Duo 14 UX482

Price as reviewed $1,300
Display size/resolution 14-inch 1,920x1,080 touch display; 12.6-inch 1,920x515 touch display
CPU 2.8GHz Intel Core i7-1165G7
Memory 8GB 4266MHz LPDDR4X (onboard)
Graphics 128MB Intel Iris Xe Graphics
Storage 512GB SSD
Networking IEEE 802.11 a/g/n/ac/ax wireless, Bluetooth 5.0
Connections Thunderbolt 4 USB-C (x2), USB-A (3.2 Gen 1), HDMI 1.4, 3.5mm audio jack, microSD card slot
Operating system Windows 10 Home 64-bit (20H2)

The Duo 14 has a 14-inch, 1,920x1,080-pixel touchscreen paired with a 12.6-inch, 1,920x515-pixel touchscreen. Both panels have a 400-nit brightness, but the 12.6-inch screen has a matte finish and looks a little dim by comparison unless you're looking straight down on it. 

On the Duo 14's predecessor, the smaller screen, officially called ScreenPad Plus, was flat on the body so you had to crane your neck some to use it. Now, with its new hinge design, the screen angles up to 7 degrees. It gives you a better viewing angle but also increases airflow and creates a smaller gap between it and the main display. It's not seamless, but because the frames on both screens are slim, it's similar to working with two external displays side by side. 

asus-zenbook-duo-14-13

App windows can flow from the top display to the bottom. 

Josh Goldman/CNET

A better second screen

Windows recognizes the ScreenPad Plus as a second display, so you can use it for whatever you would use a second screen for. It's great for anything you'd typically lose sight of while you're working on something full screen on the main display. For instance, I put Slack, Outlook and Spotify on the ScreenPad Plus while I worked on the main display. Asus' ScreenXpert 2.0 software can automatically resize up to three windows on the ScreenPad to fit evenly across it. You can also flick windows between screens with your fingertip, which is kind of fun. There's also a dedicated button above the touchpad to move windows up and down.  

Asus also has a bunch of utilities for the ScreenPad Plus available through an onscreen touch bar. You can, for example, launch a number pad or, with a three-finger tap, turn it into a giant touchpad. You can also write on it with the included active pen if you need to jot down a quick note, sign a document or just want to doodle. I was a bit worried about putting too much pressure on the ScreenPad with my hand while writing but the metal hinges held firm and you can easily disable both the touchpad and keyboard while you use it.  

asus-zenbook-duo-14-08

Although the hinge design lifts the rear of the laptop up some, Asus also includes an attachable stand to lift it even higher that folds flat when not in use. 

Josh Goldman/CNET

A new Control Panel app for the ScreenPad Plus gives you customizable dial, slider and button decks for Adobe Creative Cloud apps. Open Photoshop, for example, and it'll load a tool deck of your own design on the ScreenPad. It's sort of like a supersized Touch Bar on a MacBook Pro, but considerably more useful and with greater flexibility. Even if you're not using Adobe apps, the ScreenPad is a great place to put tool palettes for other creative software. 

Get a little, give a little

The 12.6-inch display turned out to be handier to have than I initially thought. Even if you never use it for anything other than seeing messages that come in or changing your music, it's nice not to have to constantly switch between windows when you're working. 

asus-zenbook-duo-14-10

The keyboard and touchpad certainly feel cramped compared to a normal 14-inch laptop. 

Josh Goldman/CNET

The trade-off for the extra display, though, is the keyboard and touchpad. First, the touchpad is small and narrow and I frequently hit the right arrow key instead of the touchpad's left button. And there's the matter of it being to the left of the keyboard. If you're moving to the Duo 14 from a typical laptop layout with the keyboard at the top and the touchpad at the bottom, muscle memory will not be your friend. Desktop users or anyone using a mouse regularly will have an easier time of it. 

The keyboard feels a bit cramped to me, but it might just be that it feels like I'm being shoved to the left by the touchpad. It does have a couple of keys that are reduced, like the Enter and Backspace. Also, since it is at the bottom, there is no keyboard deck and, hence, no palm rests. The raised back end of the keyboard helps here, though, as my wrists more comfortably rested on my desk while typing. 

asus-zenbook-duo-14-09

The hinge lifts the keyboard at the back. 

Josh Goldman/CNET

There are a couple of other things to be aware of. While the battery life is generally excellent, the second display will cut into your time away from an outlet. On our streaming video test, the Duo 14 hit 9 hours, 6 minutes of battery life with both displays set to 50% brightness. With just the 14-inch high-efficiency panel on, though, it made it to 11 hours, 57 minutes. A button to the left of the power button lets you quickly turn off the 12.6-inch panel so it's easy enough to power it down and save some battery. It would be nice if you could lay the screen flat for those times when it's not in use, but it is always angled up when the Duo 14 is open.

Overall performance was right where it should be compared to other 11th-gen Intel Core i7 laptops we've tested. However, if you're going to be using this for content creation, you'll be better off waiting for a model with the Nvidia GeForce MX450 discrete graphics. Also, memory goes up to 32GB, but it's onboard and can't be upgraded. If you need 16GB or 32GB, make sure it's part of your initial configuration.    

asus-zenbook-duo-14-12

Asus includes a pen and laptop sleeve with the Duo 14. 

Josh Goldman/CNET

One last minor point: The ZenBook Duo 14 is heavier than your average premium 14-inch laptop at 3.5 pounds (1.6 kilograms) but all things considered, that's still light and fairly thin at 16.9 millimeters (0.7 inch).  

Aside from the second display, this is a solid 14-inch laptop, with a nice main display with an IR camera, excellent performance and a long battery life. In the end, if you can get past the keyboard and touchpad layout, the second display really does come in handy, especially if you're a heavy Adobe user, from Photoshop to Illustrator to Premiere. 

Geekbench 5 (multicore)

Lenovo Yoga 9i (14-inch)

Asus ZenBook 13 UX325EA-AH77

Acer AP714-51T Porsche Design Acer Book RS

Asus ZenBook Duo 14 UX482

HP Envy x360 13 (2020)

Lenovo Yoga C940 (14-inch)

Note:

Longer bars indicate better performance

Cinebench R20 CPU (multicore)

Asus ZenBook Duo 14 UX482

HP Envy x360 13 (2020)

Lenovo Yoga 9i (14-inch)

Acer AP714-51T Porsche Design Acer Book RS

Asus ZenBook 13 UX325EA-AH77

Lenovo Yoga C940 (14-inch)

Note:

Longer bars indicate better performance

Streaming video playback battery drain test (minutes)

Lenovo Yoga 9i (14-inch)

Acer AP714-51T Porsche Design Acer Book RS

Asus ZenBook 13 UX325EA-AH77

Asus ZenBook Duo 14 UX482

Lenovo Yoga C940 (14-inch)

HP Envy x360 13 (2020)

Note:

Longer bars indicate better performance

System Configurations

Asus ZenBook Duo 14 UX482 Microsoft Windows 10 Home (64-bit); 2.8GHz Intel Core i7-1165G7; 8GB DDR4 SDRAM 4,267MHz; 128MB Intel Iris Xe graphics; 512GB SSD
Lenovo Yoga 9i (14-inch) Microsoft Windows 10 Home (64-bit); 3.0GHz Intel Core i7-1185G7; 16GB DDR4 SDRAM 4,267MHz; 128MB Intel Iris Xe graphics; 512GB SSD
Acer AP714-51T Porsche Design Acer Book RS Microsoft Windows 10 Home (64-bit); 2.4GHz Intel Core i5-1135G7; 8GB DDR4 SDRAM 4,267MHz; 128MB Intel Iris Xe graphics; 512GB SSD
Asus ZenBook 13 UX325EA-AH77 Microsoft Windows 10 Pro (64-bit); 2.8GHz Intel Core i7-1165G7; 16GB DDR4 SDRAM 4,267MHz; 128MB Intel Iris Xe graphics; 1TB SSD
HP Envy x360 13 (2020) Microsoft Windows 10 Home (64-bit); 2.3GHz; AMD Ryzen 5 4500U; 8GB DDR4 SDRAM 3,200MHz; 512MB Radeon graphics; 256GB SSD
Lenovo Yoga C940 (14-inch) Microsoft Windows 10 Home (64-bit); 1.3GHz Intel Core i7-1057G7; 12GB DDR4 SDRAM 4,267MHz; 128MB Intel Iris Plus graphics; 512GB SSD

Source

Asus ZenBook Duo 14 UX482 Review: A Dual-screen Laptop That Makes Sense


Asus zenbook duo 14 ux482 review article asus zenbook duo 14 ux482 review a restaurant asus zenbook duo 14 ux482 review airpods asus zenbook duo 14 ux482 review asus zenbook duo 14 ux482 price asus zenbook duo accessories asus zenbook pro asus zenbook flip 15 asus zenbook ux305
Asus ZenBook Duo 14 UX482 review: A dual-screen laptop that makes sense


Asus ZenBook Duo 14 UX482 review: A dual-screen laptop that makes sense

What I like most about the ZenBook Duo 14 is that you really can't tell from the outside of the laptop what you'll see when you lift the lid. Despite opening and closing it countless times at this point, I still get a kick out of seeing its secondary 12.6-inch touchscreen rise from above the keyboard to meet the bottom of the main 14-inch display. One screen flows into the next and, with the help of Asus' software, that slim display becomes more useful than you might think (and certainly more useful than Apple's Touch Bar). There are a few compromises that come with the design, but they might just be worth it.

Like

  • Useful dual-display design
  • Excellent performance and battery life
  • Active pen and case included

Don't Like

  • Keyboard, touchpad layout might take some adjustment
  • Memory is soldered on

The ZenBook Duo is available in two versions, a Pro Duo 15 OLED and the Duo 14 reviewed here. The Pro Duo 15 OLED will have up to a 10th-gen Intel Core i9 processor, with an Nvidia GeForce RTX 3070 discrete graphics and up to 32GB of memory when it arrives in April. The Duo 14 has either 11th-gen Core i5 or i7 processors, optional Nvidia MX450 discrete graphics and up to 32GB of memory. Prices start at $1,000, but the configuration I tested is $1,300. That converts to about AU$1,695 and £950. 

Asus ZenBook Duo 14 UX482

Price as reviewed $1,300
Display size/resolution 14-inch 1,920x1,080 touch display; 12.6-inch 1,920x515 touch display
CPU 2.8GHz Intel Core i7-1165G7
Memory 8GB 4266MHz LPDDR4X (onboard)
Graphics 128MB Intel Iris Xe Graphics
Storage 512GB SSD
Networking IEEE 802.11 a/g/n/ac/ax wireless, Bluetooth 5.0
Connections Thunderbolt 4 USB-C (x2), USB-A (3.2 Gen 1), HDMI 1.4, 3.5mm audio jack, microSD card slot
Operating system Windows 10 Home 64-bit (20H2)

The Duo 14 has a 14-inch, 1,920x1,080-pixel touchscreen paired with a 12.6-inch, 1,920x515-pixel touchscreen. Both panels have a 400-nit brightness, but the 12.6-inch screen has a matte finish and looks a little dim by comparison unless you're looking straight down on it. 

On the Duo 14's predecessor, the smaller screen, officially called ScreenPad Plus, was flat on the body so you had to crane your neck some to use it. Now, with its new hinge design, the screen angles up to 7 degrees. It gives you a better viewing angle but also increases airflow and creates a smaller gap between it and the main display. It's not seamless, but because the frames on both screens are slim, it's similar to working with two external displays side by side. 

asus-zenbook-duo-14-13

App windows can flow from the top display to the bottom. 

Josh Goldman/CNET

A better second screen

Windows recognizes the ScreenPad Plus as a second display, so you can use it for whatever you would use a second screen for. It's great for anything you'd typically lose sight of while you're working on something full screen on the main display. For instance, I put Slack, Outlook and Spotify on the ScreenPad Plus while I worked on the main display. Asus' ScreenXpert 2.0 software can automatically resize up to three windows on the ScreenPad to fit evenly across it. You can also flick windows between screens with your fingertip, which is kind of fun. There's also a dedicated button above the touchpad to move windows up and down.  

Asus also has a bunch of utilities for the ScreenPad Plus available through an onscreen touch bar. You can, for example, launch a number pad or, with a three-finger tap, turn it into a giant touchpad. You can also write on it with the included active pen if you need to jot down a quick note, sign a document or just want to doodle. I was a bit worried about putting too much pressure on the ScreenPad with my hand while writing but the metal hinges held firm and you can easily disable both the touchpad and keyboard while you use it.  

asus-zenbook-duo-14-08

Although the hinge design lifts the rear of the laptop up some, Asus also includes an attachable stand to lift it even higher that folds flat when not in use. 

Josh Goldman/CNET

A new Control Panel app for the ScreenPad Plus gives you customizable dial, slider and button decks for Adobe Creative Cloud apps. Open Photoshop, for example, and it'll load a tool deck of your own design on the ScreenPad. It's sort of like a supersized Touch Bar on a MacBook Pro, but considerably more useful and with greater flexibility. Even if you're not using Adobe apps, the ScreenPad is a great place to put tool palettes for other creative software. 

Get a little, give a little

The 12.6-inch display turned out to be handier to have than I initially thought. Even if you never use it for anything other than seeing messages that come in or changing your music, it's nice not to have to constantly switch between windows when you're working. 

asus-zenbook-duo-14-10

The keyboard and touchpad certainly feel cramped compared to a normal 14-inch laptop. 

Josh Goldman/CNET

The trade-off for the extra display, though, is the keyboard and touchpad. First, the touchpad is small and narrow and I frequently hit the right arrow key instead of the touchpad's left button. And there's the matter of it being to the left of the keyboard. If you're moving to the Duo 14 from a typical laptop layout with the keyboard at the top and the touchpad at the bottom, muscle memory will not be your friend. Desktop users or anyone using a mouse regularly will have an easier time of it. 

The keyboard feels a bit cramped to me, but it might just be that it feels like I'm being shoved to the left by the touchpad. It does have a couple of keys that are reduced, like the Enter and Backspace. Also, since it is at the bottom, there is no keyboard deck and, hence, no palm rests. The raised back end of the keyboard helps here, though, as my wrists more comfortably rested on my desk while typing. 

asus-zenbook-duo-14-09

The hinge lifts the keyboard at the back. 

Josh Goldman/CNET

There are a couple of other things to be aware of. While the battery life is generally excellent, the second display will cut into your time away from an outlet. On our streaming video test, the Duo 14 hit 9 hours, 6 minutes of battery life with both displays set to 50% brightness. With just the 14-inch high-efficiency panel on, though, it made it to 11 hours, 57 minutes. A button to the left of the power button lets you quickly turn off the 12.6-inch panel so it's easy enough to power it down and save some battery. It would be nice if you could lay the screen flat for those times when it's not in use, but it is always angled up when the Duo 14 is open.

Overall performance was right where it should be compared to other 11th-gen Intel Core i7 laptops we've tested. However, if you're going to be using this for content creation, you'll be better off waiting for a model with the Nvidia GeForce MX450 discrete graphics. Also, memory goes up to 32GB, but it's onboard and can't be upgraded. If you need 16GB or 32GB, make sure it's part of your initial configuration.    

asus-zenbook-duo-14-12

Asus includes a pen and laptop sleeve with the Duo 14. 

Josh Goldman/CNET

One last minor point: The ZenBook Duo 14 is heavier than your average premium 14-inch laptop at 3.5 pounds (1.6 kilograms) but all things considered, that's still light and fairly thin at 16.9 millimeters (0.7 inch).  

Aside from the second display, this is a solid 14-inch laptop, with a nice main display with an IR camera, excellent performance and a long battery life. In the end, if you can get past the keyboard and touchpad layout, the second display really does come in handy, especially if you're a heavy Adobe user, from Photoshop to Illustrator to Premiere. 

Geekbench 5 (multicore)

Lenovo Yoga 9i (14-inch)

Asus ZenBook 13 UX325EA-AH77

Acer AP714-51T Porsche Design Acer Book RS

Asus ZenBook Duo 14 UX482

HP Envy x360 13 (2020)

Lenovo Yoga C940 (14-inch)

Note:

Longer bars indicate better performance

Cinebench R20 CPU (multicore)

Asus ZenBook Duo 14 UX482

HP Envy x360 13 (2020)

Lenovo Yoga 9i (14-inch)

Acer AP714-51T Porsche Design Acer Book RS

Asus ZenBook 13 UX325EA-AH77

Lenovo Yoga C940 (14-inch)

Note:

Longer bars indicate better performance

Streaming video playback battery drain test (minutes)

Lenovo Yoga 9i (14-inch)

Acer AP714-51T Porsche Design Acer Book RS

Asus ZenBook 13 UX325EA-AH77

Asus ZenBook Duo 14 UX482

Lenovo Yoga C940 (14-inch)

HP Envy x360 13 (2020)

Note:

Longer bars indicate better performance

System Configurations

Asus ZenBook Duo 14 UX482 Microsoft Windows 10 Home (64-bit); 2.8GHz Intel Core i7-1165G7; 8GB DDR4 SDRAM 4,267MHz; 128MB Intel Iris Xe graphics; 512GB SSD
Lenovo Yoga 9i (14-inch) Microsoft Windows 10 Home (64-bit); 3.0GHz Intel Core i7-1185G7; 16GB DDR4 SDRAM 4,267MHz; 128MB Intel Iris Xe graphics; 512GB SSD
Acer AP714-51T Porsche Design Acer Book RS Microsoft Windows 10 Home (64-bit); 2.4GHz Intel Core i5-1135G7; 8GB DDR4 SDRAM 4,267MHz; 128MB Intel Iris Xe graphics; 512GB SSD
Asus ZenBook 13 UX325EA-AH77 Microsoft Windows 10 Pro (64-bit); 2.8GHz Intel Core i7-1165G7; 16GB DDR4 SDRAM 4,267MHz; 128MB Intel Iris Xe graphics; 1TB SSD
HP Envy x360 13 (2020) Microsoft Windows 10 Home (64-bit); 2.3GHz; AMD Ryzen 5 4500U; 8GB DDR4 SDRAM 3,200MHz; 512MB Radeon graphics; 256GB SSD
Lenovo Yoga C940 (14-inch) Microsoft Windows 10 Home (64-bit); 1.3GHz Intel Core i7-1057G7; 12GB DDR4 SDRAM 4,267MHz; 128MB Intel Iris Plus graphics; 512GB SSD

Source

Search This Blog

Menu Halaman Statis

close