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What Is Home Equity?
Most homeowners now have more equity in their homes than they did two years ago, thanks to surging home values during the pandemic. That means right now is a good time to consider tapping into your home equity if you're looking to borrow money at a lower interest rate than you might get with other types of loans such as personal loans. Home equity is the difference between what you owe on your mortgage and the current market value of your home.
You build equity in your home by consistently making mortgage payments over the years. Equity is valuable because it allows you to borrow money against your home at lower interest rates than other types of financing. Once you have enough equity built up in your home, lenders and banks will allow you to borrow against it. Some of the most common reasons to borrow against your equity are to pay for life expenses such as home improvements, higher education costs such as tuition, or to pay off high-interest credit card debt.
Most lenders want to see that you've built up at least 15% to 20% in equity in order to let you borrow money against your house in the form of refinancing or other kinds of home equity loans. One of the simplest ways to ensure you have a good chunk of equity in your home is to make a large down payment if you are able to.
For a typical homeowner with a 30-year fixed-rate mortgage, building up 15% to 20% usually takes about 5 to 10 years. Even if you paid less for your home when you bought it years ago, your equity is based on the present-day value of your house. If, for example, your home is currently worth $500,000 and you have $400,000 left to pay on your mortgage, you would have $100,000 of equity in your home.
Here's what you need to know about home equity, what it is, how to calculate it and why it's important to homeowners.
How do you calculate home equity?
To calculate your home equity, simply subtract your remaining mortgage balance from the current market value of your home. So if you owe $400,000 on your mortgage and your house is worth $500,000, you have $100,000, or 20% equity in your home. You may need to work with an appraiser or real estate agent in order to get an accurate evaluation of your home's fair market value, especially since home values have risen by record-breaking amounts since the beginning of the pandemic.
Ways to borrow against home equity
There are various ways to access the equity in your home. Some of the most common equity financing options are home equity loans, home equity lines of credit (or HELOCs) and reverse mortgages. It's important, however, to keep in mind that all of these options require you to put up your home as collateral to secure the loan, so it's critical to understand that there's a risk of losing your home to foreclosure if you miss payments or default on your loan for any reason.
Home equity loan
A home equity loan lets you borrow money against the equity you've built in your home and provides you with a lump sum of cash at a fixed interest rate. Lenders typically want to see that you have at least 15% to 20% in your home to approve you for a home equity loan. A home equity loan doesn't replace your mortgage like a refinance, rather, it's an entirely new loan that you'll repay monthly along with your existing mortgage payment. But just like a mortgage, with a home equity loan, your interest rate never changes and your monthly payments are fixed, too.
HELOCs
A home equity line of credit, or HELOC, is a type of loan that lets you borrow against the equity you've built up in your home and functions like a credit card. It provides you with an open line of credit that you can access for a certain amount of time, typically 10 years, followed by a set repayment period, which is usually 20 years. Lenders also generally want you to have at least 15% to 20% in your home for HELOC approval. With a HELOC, you don't have to take all of your funds out at once, and you can withdraw money repeatedly from your HELOC over the 10-year period, once previously borrowed sums are paid back.
"A HELOC offers more flexibility than a home equity loan -- you can't withdraw money from a home equity loan like you can with a HELOC, and a HELOC allows you to receive replenished funds as you pay your outstanding balance," said Robert Heck, VP of Mortgage at Morty, an online mortgage marketplace.
HELOCs have variable interest rates however, so it's important to make sure you can afford higher monthly payments if your rate goes up once your introductory interest rate expires, especially in the current economic climate.
Reverse mortgage
You must be 62 years or older to access a reverse mortgage and have either paid off your home or have significant equity accumulated, usually at least 50%. With a reverse mortgage, you do not have to make monthly mortgage payments and the bank or lender actually makes payments to you. You must still pay your property taxes and homeowners insurance and continue to live in the house, however. A reverse mortgage allows you to access the equity in your home and not pay back the funds for an extended period of time while using them for other expenses during retirement. It's important to keep in mind that you are building a mortgage balance back up as you borrow against your equity, and your estate will eventually have to pay off your loan. A common way to repay this loan is to sell your house.
The bottom line
Unlocking the equity in your home can be a valuable way to access financing to cover other life expenses. It's important to understand the differences between the kinds of equity loans available to secure the best one for your particular financial situation. When comparing ways to access equity, always take into account the interest rate, additional lender costs and fees, and the size of the loan and how it will be disbursed to you, as well as the amount of time you have to pay it back, before you enter into an agreement to borrow against the equity in your home.
Perinatal depression what it is and how to cope perinatal depression what it s like perinatal depression what it mean perinatal depression what it is perinatal depression what does the bible say perinatal depression what it feels screening for perinatal depression acog perinatal depression definition perinatal depression meaning edinburgh perinatal depression scale paternal perinatal depression
Perinatal Depression: What It Is and How to Cope
Perinatal Depression: What It Is and How to Cope
Britney Spears announced she's expecting a baby on Instagram this week and also revealed that she had perinatal depression when she was pregnant previously.
"I have to say it is absolutely horrible," Spears wrote. "Women didn't talk about it back then."
Perinatal depression is a mood disorder that can start during pregnancy or after childbirth, while postpartum depression specifically describes depression someone develops after giving birth. While the direct causes of the disorders vary, the anxiety, sadness, apathy and other emotions many new or soon-to-be parents feel can be difficult to describe to loved ones or bring up at a doctor's appointment.
Despite this, it's a common medical experience during pregnancy or the postpartum period. According to the American College of Obstetricians and Gynecologists, one in seven women will experience perinatal depression.
Julianne Zweifel is a clinical psychologist and adjunct professor at UW Health in Madison, Wisconsin who works with people who have postpartum mood dysregulation, which can vary from postpartum "baby blues" to postpartum depression. In a September interview with CNET, she said the pressure to feel a certain way can lead new parents to feel inadequate when they don't feel what they perceive to be the "right" feelings.
"I like to describe it as [being] analogous to having only seen black-and-white photos all your life, and suddenly [you] see color photos," Zweifel said about new parents' expectations. "Like, 'wow, I didn't even recognize this dimension existed.'"
The hormonal surges and lifestyle changes pregnancy and new parenthood bring can have dramatic effects on someone's mental health. If you're feeling society's expectation of how pregnant people and new parents should feel doesn't reflect your experience, here's what to know about perinatal and postpartum depression.
Depression during pregnancy
During pregnancy, your body goes through huge changes as it accommodates a new body and prepares for the marathon of childbirth (and parenthood). On top of the physical and hormonal changes, pregnancy can put strain on relationships and cause financial stress. But like depression in people who aren't pregnant, it may also have genetic causes.
According to the Cleveland Clinic, you're more at risk of experiencing depression during your pregnancy if:
You have a history of depression or premenstrual dysphoric disorder (PMDD, or severe PMS that disrupts daily life).
You became pregnant at a younger age (risk decreases as age increases).
You live alone or have limited social support.
You're experiencing marital problems.
You have mixed feelings about your pregnancy.
The pandemic may also have increased the rate of anxiety or depression during pregnancy.
While depression can strike at any time in life, many people experience anxiety or depression for the first time while they're pregnant. Because depression can affect the health of the pregnant person and growing fetus, it's important to see your doctor or a mental health professional if you're experiencing symptoms of depression for at least two weeks, the ACOG says. Symptoms include, but aren't limited to:
Depressed mood most of the day, for most days.
Feeling guilty, hopeless or worthless.
Loss of interest in work or activities.
Sleep problems (sleeping too much or having problems going to sleep).
Big changes in appetite (losing appetite, or eating much more than normal).
Having trouble concentrating or making decisions.
Thinking about death or suicide.
Treatment for depression during pregnancy may be similar to treatment for people who aren't pregnant, including talk therapy or medication, according to the ACOG.
Resources and an expert hotline to call for people experiencing depression during pregnancy and the postpartum period can be found at Postpartum Support International. An analysis of anxiety and depression in pregnant people during the pandemic found that increased social support and physical activity reduced the likelihood of developing either disorder during pregnancy.
Postpartum blues vs. postpartum depression
Zweifel said as many as 65% to 70% of people will experience postpartum "baby blues," or mood swings that begin roughly within a week of delivery. "Once you start using numbers like that, that means that's the normal response," she said. But baby blues will resolve on its own, usually getting better in about seven to 10 days. If feelings of classic depression persist without showing signs of getting better after about two weeks, Zweifel said, it's likely postpartum depression.
Symptoms of postpartum depression can be more intense and last longer than baby blues, and can potentially interfere with your ability to care for your baby or handle daily tasks, according to the Mayo Clinic. PPD can manifest differently and may include typical symptoms of depression, such as severe mood swings, feelings of worthlessness and a withdrawal from family and friends, but may also include feelings specific to your role as a parent, including feelings that you're not a good parent or thoughts and fears that you'll harm your child, per the Clinic.
Zweifel wants to clear up the misconceptions about PPD and the idea that it makes people harm their child.
"Somehow, our society has assumed that's a part of the scenario, and I feel like that's part of the problem," she said. There is a big difference, she said, between fearing that you'll "lose control" and hurt your child, or having intrusive thoughts of you dropping them, than of actually harming your child. "The intent is different there," Zweifel said.
Postpartum psychosis is a very rare condition which can result in the afflicted person attempting to harm themselves or their baby. According to the Mayo Clinic, some of the signs of postpartum psychosis include confusion, paranoia, excessive energy and agitation, hallucinations and delusions.
Read more: 13 Suicide and Crisis Intervention Hotlines to Call or Text When You Need Help
Having a baby with colic, frequent and intense crying in a healthy infant, can increase the risk of postpartum depression in new parents, per the Mayo Clinic.
damircudic/Getty
Postpartum depression causes
Many factors can contribute to depression after childbirth, including social factors like not having a support system, societal pressure to feel a certain way and the way a person's body reacts to hormonal changes.
Hormones
Estrogen and progesterone levels skyrocket during pregnancy and then very quickly after birth, they start to drop. This huge dip in hormones is what causes many people to experience strong emotions following birth.
Research suggests that there's not different hormone levels or amounts in people who experience PPD compared to people who don't, Zweifel said. But there might be a difference in how their brain responds to changes in estrogen. Zweifel called the varying chemical effect of estrogen as a "prominent working theory," but it helps explain why oftentimes the people who experience severe mood changes in connection with their menstrual cycle may also be more likely to experience PPD or have more mood-related symptoms during menopause.
"That subset is experiencing the same changes and same patterns," Zweifel said. "But the receptor sites in their brain, essentially, sort of respond differently. They're extra sensitive."
Outside factors
Zweifel said a lot of people experiencing symptoms of depression who come into her office feel better almost immediately after she dispels myths about what makes someone an inferior parent -- missing the "golden hour" of contact with a newborn for medical reasons, for example, or choosing to formula feed instead of breastfeed. Another record she has to set straight is the idea that all parents have an immediate bond with their infant, and if they don't, it means there's something wrong with them.
"Bonding with an infant takes time, and our society does a terrible job of being honest with women about this," Zweifel said. She likes to instill the idea of a "fourth trimester," because there's still so much developing happening on the baby's end in the first few weeks of life that makes the parent-child relationship very straining on the parent, often leaving them "starved for validation" because the baby isn't able to acknowledge the parent, or even able to focus their eyes yet.
In addition to unrealistic expectations of what it means to be a parent, Zweifel said other factors like being the only parent who gets up when the baby cries can exacerbate PPD, or having a child with acid reflux or other medical conditions that require extra care.
Other risk factors, per the CDC, include being a parent to multiples (twins, triplets or more), being a teen parent, having a family or personal history of depression, having a preterm or complicated birth, experiencing difficulty getting pregnant and other stressful events surrounding pregnancy.
Noncarrying parents can also develop postpartum depression.
Getty Images
PPD is also not a limited experience to the person giving birth. Although the other parent won't be experiencing the hormonal changes that can cause symptoms of depression, similar lifestyle changes, added stress, lack of sleep and societal pressure remain. A 2014 study published in the journal Pediatrics found that depression among new dads increased an average of 68% the first year of their child's life.
If your mental health is a concern to you, reach out for help. If you're interested in seeking treatment with medicine, Zweifel recommends finding a psychiatrist or another professional who works specifically with people on postpartum mood dysregulation.
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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Lovevery Play Kits Reviewed: Are These Subscription Boxes Worth the Money?
Lovevery Play Kits Reviewed: Are These Subscription Boxes Worth the Money?
I started seeing the Lovevery Play Kit ads almost immediately after I became a mom. The ads showed colorful, aesthetically pleasing baby toys that seemed to be curated around developmental milestones.
Because my newborn was more of an inanimate blob than I'd expected (they all are, it turns out), I'd been having trouble figuring out what to do with him between nap times. Not only was it kind of boring to try to interact with an inanimate blob, but I also felt the modern parenthood anxiety of milestone-meeting, experience-fostering and lesson-learning bubbling almost from day one.
My hunch was that I could quell this anxiety by creating and executing daily activities with my baby, almost like a curriculum. That would make maternity leave a lot less boring, too. The problem -- I'm not a trained Montessori teacher or a child development expert. I was also busy nursing, changing, bathing, burping (the baby, not myself) and rocking to spend any time lesson planning for a newborn. Could the Lovevery Play Kits do the heavy lifting for me? (And the better question: Would they be worth the price?)
My colleague Alison DeNisco Rayome and I tested four Lovevery Play Kits with our real kids (The Looker for kids who are 0 to 12 weeks old, The Senser for 5- to 6-month-old kids, The Realist for kids aged 19 to 21 months and The Helper for kids who are 25 to 27 months old) to answer that question. Read on for what we thought. Plus, check out the list of hot kids' toys to buy as gifts, toys for the kid at heart, STEM toys we love and the best gifts for 2-year-olds.
Read more: Here's a toy that makes the perfect gift for any age .
What are Lovevery Play Kits?
Lovevery is a US-based toy company that sells Montessori-inspired subscription boxes focused on "stage-based play." The idea is that kids have different needs at different stages in their development, and the right toys can support those needs.
The Play Kits (Lovevery's name for its curated subscription boxes) are separated into four buckets by age: 0 to 12 months, 1 year, 2 years and 3 years. Each age bucket is further broken down by smaller ranges, with boxes named after their respective developmental stage (e.g. The Charmer Play Kit is for months 3 to 4, while The Observer Play Kit is for months 37, 38 and 39).
Every kit includes a few toys, a book and a parents' guide that provides ideas for using the toys inside to help your child meet their milestones. The toys are made from sustainable and baby-safe, natural materials -- and they look pretty sleek on your shelves, too.
Is Lovevery Montessori?
Yes, Lovevery is inspired by the Montessori method, which emphasizes independence, STEM skills and toys that develop skills used in real life. That also means you won't find any flashing lights or noisy toys inside your Play Kit. Instead, the toys tend to favor "open-ended play," so kids can continually invent new ways to play with them. (Read more on Lovevery's approach to the Montessori method.)
Read more: Baby Registry Checklist: 10 Baby Products I Wish I'd Asked For
A toy from The Senser, Lovevery's play kit for kids aged 5 to 6 months.
Lovevery
How much does a Lovevery Subscription cost?
When you first sign up for a Lovevery subscription, you'll enter your child's birthday (or due date or adjusted age), and Lovevery will suggest a Play Kit to get started with. You can also add a few of the earlier boxes to your initial order, because the toys inside will likely still appeal to older kids.
Boxes for kids aged 0 to 12 months cost $80 a box and ship every two months. Other ages will get a box every three months for $120 a box. You can also prepay for several boxes at a time, which lowers the cost per box down to as little as $72 for infants or $108 for older kids.
Because you can skip boxes or cancel your subscription at any time, it's easy to buy a one-off box to try it out or to give as a gift. Since the Lovevery website shows what's inside each box before you order, you don't have to buy the ones that don't look as compelling.
Read more: 9 Book Subscription Services for Kids and Young Adults
Is Lovevery an American company?
Yes, the subscription box company is based in the US. Boise, Idaho, specifically, is the city that the company calls home and it's where the toys are designed. They're manufactured, however, by a network of suppliers throughout Asia.
Testing the Play Kits (with a real baby and toddler!)
Boxes for 0 to 12 months
Cost: $80
Boxes we tested: The Looker (weeks 0 to 12) and The Senser (months 5 to 6)
The Looker box includes:
A double-sided mobile
Sensory links (soft, high-contrast toys that can hook together or on a stroller or play mat)
Two black and white card sets (one with simple patterns and one with complex patterns)
A standing cardholder (to put the cards in during tummy time)
Black and white mittens (to promote hand discovery and body control)
A wooden book with black and white animal pictures
A silicon rattle with a removable ball
The parents' play guide
What we liked:
The double-sided spiral mobile, with high-contrast black and white on one side and colorful circles on the other side, was a big hit with my newborn daughter -- she loved looking at it when we held it up or tied it to her play gym. (Lovevery suggests hanging it over the changing table as a distraction, too.) The black and white cards were a mainstay in her play gym, and the little book seemed to hold her attention more than some of her other high-contrast books did (perhaps because it's "baby's first book made with sustainably harvested wood" and she's a budding environmentalist? Who's to say).
Not listed on the website, but my kit came with a mug for a parent that reads "The Days Are Long But the Years Are Short." It's not my favorite child-rearing sentiment, though it's proven true for me, but it was nice to have a little gift included.
The real winner, though, was the parents' play guide. It's difficult to know how to engage with a newborn, but Lovevery gave some practical ideas to align with her weekly development. I found that helpful as a first-time parent who was overly stressed about being able to give her enriching playtime.
What we didn't like:
The sensory links were never a favorite, perhaps because she had several other similar clip-on toys that came with her play mat and and stroller. And while the black and white mittens were a good idea, in theory, the effort it took to get them on and off a squirmy newborn wasn't worth it for me most days.
--Alison DeNisco Rayome
The Senser is Lovevery's Play Kit for babies aged 5 to 6 months old.
Lovevery
The Senser box includes:
A spinning rainbow wheel
A magic tissue box (to pull cloth tissues out of and put back in)
Magic tissues (cloth tissues that can link together)
An organic cotton rainbow ball
Parts of Me book
A pair of play socks with bells on the toes
A tummy time wobbler
The parents' play guide
What we liked:
Once my daughter hit the 6-month mark, the way she played changed dramatically, particularly since she could stay sitting up with little assistance. The spinning rainbow wheel is one of her favorite things to play with, and it keeps her occupied longer than most other toys. Once she got the hang of the magic tissue box, she enjoyed pulling the tissues out of that as well (and using them to chew on and play peek-a-boo with). The tummy time wobbler has been another solid choice both while on her tummy and while sitting up. She still tries to eat that, too, like everything else.
I'll admit, I was a Lovevery skeptic, just given the price tag. But this box convinced me these are great toys that can give your baby plenty of entertainment, and I'm already planning to buy the next one.
What we didn't like:
The play socks seem like they might have been a bigger hit when she was younger, as she discovered her feet long ago. The rainbow ball is also pretty but only holds so much interest.
--Alison DeNisco Rayome
The Looker box from Lovevery comes with a magic tissue box.
Lovevery
Box for 1-year-olds
Cost: $120
Box we tested: The Realist (months 19, 20, 21)
The Realist box includes:
A wooden lock box with four locking mechanisms
A puzzle with shapes that nest and stack
Fabric "critters" that can be tucked into matching pockets on a quilted wall hanging
A cup and pitcher for pouring your own drinks
Bea Gets a Checkup board book
A wooden "ring chute" with rings
A flashlight that lights up
The parents' play guide
What we liked:
The lock box is my 2-year-old son's favorite toy, and the fabric critters have taken up residence inside it. Locking and unlocking each of the doors -- and putting things inside, then taking them out -- has occupied more of his time than pretty much any other toy. Unfortunately, he's now learned how to lock his own bedroom door. Thanks, Lovevery.
The flashlight is easy for a toddler to turn on and off and my son likes to use it to find toys in his bedroom when the lights are off, since he can't reach the light switch. We've also read the included board book, Bea Gets a Checkup, dozens of times and the requests keep coming.
What we didn't like:
The ring chute toy is aesthetically pleasing but it seems to only have one real use, a use my son is not very interested in. Considering how large the toy is, I'd have preferred something with a little more versatility.
--Karisa Langlo
The Helper Play Kit comes with a play sink that pumps water.
Karisa Langlo/CNET
Box for 2-year-olds
Cost: $120
Box we tested: The Helper (months 25, 26, 27)
The Helper box includes:
A play sink with a real pump, plus cups and dishes for washing up
Felt flowers in a stand that can be removed, counted and bundled
Washable tempera paint "sticks" with paper in a travel-friendly zippered pouch
Making Muffins board book
A "dot catcher," which looks like a rainbow Connect Four game
A two-sided puzzle that uses the same pieces for two separate designs
Routine cards with photos of everyday tasks for mapping out routines
The parents' play guide
What we liked:
My son couldn't get enough of the play sink. Its ingenious design lets you keep the water running without the sink ever overflowing or running out of water. Because it's not hooked up to a waterline (it just recycles the same reservoir through its pump repeatedly), you can't get any dishes clean in it, but my son loved pretending to wash dishes next to me at the real sink while I washed real dishes.
The box arrived just as we were starting to work on learning colors, and the rainbow dot catcher couldn't have been a more perfect toy. My son now knows his colors like the back of his hand, but he still likes to drop the colored wooden discs into their corresponding slots, and he gets a kick out of the quick-release lever.
What we didn't like:
The puzzle and routine cards both seemed a little too advanced for a young 2-year-old. They both also seem like toys you could make yourself, if you had the inclination for DIY.
-- Karisa Langlo
Box for 3-year-olds
Cost: $120
Box we tested: Didn't test one (yet!)
Lovevery offers four Play Kits geared toward three-year-olds, up to age four:
The Observer Play Kit: Months 37, 38, 39
The Storyteller Play Kit: Months 40, 41, 42
The Problem Solver Play Kit: Months 43, 44, 45
The Analyst Play Kit: Months 46, 47, 48
While we haven't tested one of them yet, the Lovevery Play Kits designed for 3-year-olds all include a similar mix of items as the younger boxes, with more sophisticated, preschool-age appropriate toys and books.
The Looker Play Kit from Lovevery.
Lovevery
Beyond the Play Kits: The Lovevery app and other products
The Lovevery app requires a subscription to the toy boxes to access (though you can also get the app if you received a box as a gift). Like the parent play guides, I found it to be a great resource for ideas for what to actually do with your baby all day long.
On the Activities tab, you'll see a list of toys from the age-appropriate toy box that you can tap on to get ideas for how to use by the month of your baby's age. There are also suggestions for using toys from prior boxes that are still age-appropriate in new ways. Beyond that, you'll find several other DIY activities to try (at 7 months, things like playing with paper and teaching your baby to clap), which you can check off to keep track of what you've tried.
The My Baby tab shows what motor, cognitive, communication and social/emotional skills your baby will be learning that month with a pediatrician's video. This section reminded me of a more in-depth What To Expect app. But I appreciated that it makes sure to note that all babies are different to ease the minds of worried parents. An Ask and Learn section lets parents write or search for different questions and topics that Lovevery's developmental psychologists and pediatricians answer.
If you have the toy boxes, it's worth downloading the app (if you have an iPhone -- there's no Android version) to get the most out of them.
The other Lovevery product you'll often find on baby registries is The Play Gym. As with all of its products, it's more aesthetically pleasing than many others on the market -- and more expensive, at $140. It's also a bit larger, since it's meant to be used for the baby's entire first year, with relatively tall wooden posts -- so it may not be the best choice for people in apartments or smaller spaces.
The Play Gym comes with a few toys that my baby loved, including a bell to ring and a crinkly teether. But to be honest, she seemed to get bored more easily on this mat than on the less expensive Skip Hop one I originally registered for, which is decidedly not a Montessori product. I think if I'd been invested in the ecosystem of toy boxes, it might have given us more to do there.
As with everything else with parenting, it depends on what you want: If you have the resources to invest in the Lovevery system, it's a great choice. But your child will be just fine without it, too.
--Alison DeNisco Rayome
Is the Lovevery subscription worth it?
If you're looking for a one-off, curated toy box to give as a gift, the Lovevery Play Kits are definitely worth the money. The quality of the toys individually makes the price reasonable, and you get the added bonus of knowing they've been hand-selected by experts. If you can afford it, you likely won't be disappointed. Lovevery knows what it's doing!
As a subscription box, though, the price becomes a bigger concern. Do you need to spend the equivalent of $40 a month on toys (or $36 a month, if you factor in the prepay savings)? One thing to think about: As your child ages, the mystery of how to interact with them naturally dissipates, and they'll likely begin playing with whatever you have lying around the house anyway (including the Play Kit boxes themselves). At this point, an expertly curated toy box becomes even more of a nice-to-have.
And another thing: Between birthdays, holidays and overindulgent grandparents, a lot of children are positively drowning in toys. A monthly box will only worsen the problem of clutter, which goes against the Montessori ethos. According to the Lovevery website, "parents say these are the 'only toys you'll need.'" I'm inclined to agree! But I have no idea how to keep all the other stuff out of my house.
"We did all the research so you don't have to," the company's website also declares. And for those parents who otherwise would spend hours researching developmentally appropriate kids' toys, the statement isn't wrong. But not every parent does -- or should -- fret over toy research. And even for parents experiencing anxiety around optimizing a child's playtime, there are far cheaper ways to fill a toy chest.
Correction, June 7: This story initially estimated the monthly cost of a subscription incorrectly. The box costs the equivalent of $40 a month or $36 if you pay in advance.
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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Stop Googling your medical symptoms and do this instead
Stop Googling your medical symptoms and do this instead
Diagnosing yourself online is a slippery slope. You could Google "why do I have pain in my ribs" and come away with the possibility that you have a pinched nerve (possible) or fatal internal bleeding (unlikely, unless you've been impaled).
You should certainly know how to take care of yourself in the case of a common cold, migraine, or other relatively benign condition, and online health information can help you make the right decisions when you actually know what condition you have.
The problem is, the internet might make you think that a common cold is a bacterial infection (it's a virus, which won't respond to antibiotics), that a migraine is a brain tumor or an aneurysm and that an abdominal cramp is appendicitis.
In fact, research suggests that online symptom checkers are almost always wrong. So before you spiral down the symptom rabbit hole, learn why obsessively Googling symptoms is risky and how to look for accurate health information online.
Why you should avoid over-Googling your symptoms
There are essentially two bad ways this can go: Either you overestimate your symptoms and end up taking the wrong medication or engaging in the wrong self-treatment, or you underestimate your symptoms and let a condition worsen.
Google provides medical information for common conditions, but it's still always best to see a doctor.
Screenshot by Sarah Mitroff/CNET
There's also the risk of developing "health anxiety," real condition that involves excessive worrying that you are sick. You may know this condition as hypochondriasis, and you're probably familiar with the word "hypochondriac."
Even if you're not a hypochondriac, searching for medical symptoms and illnesses online may add unnecessary worry and a lack of peace of mind to your life. The internet-age term for this is "cyberchondria."
Research notes that while internet information can help people avoid unnecessary doctor visits for minor (or nonexistent) conditions, some people feel anxiety and fear about medical information they find online.
Part of the reason that searching for symptoms can send you into an anxious spiral has to do with the fact that there's just so much health information online. While a great deal of online health content is trustworthy and accurate, much of it is not. But you can learn to decipher the good from the bad with the right tips.
Tips for finding accurate health content online
If you must search your symptoms, make sure to weed out questionable content by following these guidelines.
If you're reading lay media
Look for articles that back up their claims by linking out to or citing peer-reviewed clinical studies. For example, an article that says "eating too much sugar may increase your risk for depression" should link to a primary source that says so, like this one.
Whenever possible, read the full report or abstract of those peer-reviewed clinic studies and look for the conclusion to verify the results of the study.
Articles that quote experts or are written by topic area experts (or both) are also usually reliable. An article titled "5 things that happen to your body when you drastically cut carbs" is likely to be way more trustworthy when it includes insight from a nutrition professional or is written by a nutrition professional.
If an article doesn't include expert insights or isn't written by a topic area expert, check to see if it was reviewed by an appropriate health professional. Many health publishers now have review boards that consist of topic area experts who ensure content accuracy. For example, this piece about Crohn's Disease on Healthline was reviewed by a medical doctor.
Search for the publisher's health editorial policy. Many health publishers have these policies available on their websites, and it's a good sign when they do. It means the publisher has strict editorial guidelines when it comes to writing health content and citing experts or primary sources.
Look for articles that were reviewed by a doctor or medical professional.
Screenshot by Sarah Mitroff/CNET
If you're reading primary sources
First, the definition of a primary source: A primary source is a firsthand account of a topic or event. When it comes to health and science, primary sources refer to documents that provide the full account of the original research. In other words, the actual research articles published in scientific journals, such as The Journal of Neuroscience or the Journal of Food Science and Technology. The best place to find these articles is on PubMed, a resource provided by the National Institutes of Health's US National Library of Medicine.
When reading articles from scientific journals, keep these considerations in mind:
Look for author affiliations and conflicts of interest. Anytime a scientist partakes in a research study or writes a scientific article, they must declare their affiliations and potential conflicts of interest so that any bias is disclosed. For example, an article about cryotherapy that was partially written by someone affiliated with a cryotherapy wholesaler would present a conflict of interest.
Look for commissioning and funding information. Just like author affiliations and conflicts, commissioning and funding information must be disclosed in the name of bias. Many companies in the health industry commission and fund research studies to prove the efficacy of their products. That's totally fine -- it doesn't necessarily mean the results are skewed -- but just know that company-funded studies are not independent, third-party studies, which are the most reliable.
Check to see if the study has been cited in other studies. Since there's so much research out there, scientists often use existing research articles as sources for new research articles. It's not a bad sign if an article hasn't been cited by other articles, but it's definitely a good sign if it's been cited many times. Most research articles have a "cited by [number]" callout online.
Check the date. Science -- particularly nutrition and medical science -- evolves quickly. Look for studies no older than 10 years, but preferably no older than five years, if you're looking for answers about a condition or symptoms you currently have.
When the internet fails, see a doctor
If even after scouring through research you still feel lost, just go see your doctor. Not everyone can be a doctor -- and the internet certainly cannot -- so give yourself the luxury of peace of mind by seeing a real health professional.
And if carving out time for an in-person doctor's appointment isn't an option, try seeing a doctor online via one of the many telehealth companies. You can also talk to a therapist online if your worries sit more in the realm of mental or emotional health.
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.
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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Motorola Moto X Pure Edition (unlocked) review: Customization champ, but middle-of-the-pack phablet overall
Motorola Moto X Pure Edition (unlocked) review: Customization champ, but middle-of-the-pack phablet overall
I like the Moto X Pure Edition (or Style as its globally known), but I was honestly ready to love it. For one thing, it's an unlocked phone available directly from Motorola at a reasonable price, and it's designed to work on all of the major US wireless carriers (AT&T, T-Mobile, Verizon and Sprint) -- that's a big step up from most unlocked phones that only work on the first two in that list. Likewise, the international Moto X Style should work on all the carriers in whichever territory it's sold -- and many countries will also get the stepdown Moto X Play phone, which is not currently slated for a US release.
In addition, this 5.7-inch follow-up to 2014's Motorola Moto X also promises the same customization options, like choosing between different trim colors and the material of the backing, that made me buy that model as my personal device. And in this sea of lookalike phones, this is a distinct advantage that the Moto X Pure Edition has over its rivals.
But instead, I was disappointed. Its larger design (up from 5.2 inches) feels far too cumbersome for smaller hands like mine. Battery life was unexceptional, its camera wasn't massively impressive and aside from a few minor tweaks, Motorola's Moto services don't feature anything substantially new.
When you compare it to a top-tier large-screen device like the Samsung Galaxy Note 5 , its drawbacks become even more obvious. And if you consider the current diverse landscape of unlocked handsets with the OnePlus 2 and ZTE Axon Pro , Motorola's phone doesn't quite come out on top. Though the Moto X was one of our favorite budget flagships last year, the same can't be said for the Moto X Pure Edition.
Availability
In the US, the handset starts at $400 unlocked ($100 less than last year's starting price). The price will increase, however, depending on storage capacity and certain design options.
In the UK the Style, as it's known, starts at £399 for 32GB of storage, with 64GB setting you back £434.
In Australia the Style is exclusive to Vodafone and only available on contract. It's available on both the AU$80 and AU$100 plans, for AU$3 of monthly handset repayments. That's a total cost over 24 months of AU$1,992 and AU$2,472 respectively.
Design and build
5.7-inch display with 2,560x1,440-pixel (2K) resolution
6.1 by 3 by 0.4 inches (154 by 76 by 11.1mm)
6.3 ounces (179 grams)
Compared to the 2014 Moto X , Motorola increased the Moto X Pure Edition's display by half an inch, bumping up the device's overall footprint. Though it isn't as big as the Google Nexus 6 (which was manufactured by Motorola before Google sold it off to Lenovo), the size jump still makes it notably bigger than the previous 5.2-inch Moto X . That means -- for some -- it won't fit in your front pockets easily and you can't maneuver it with one hand comfortably. I passed it around for several opinions, and even tall people with large hands noted problems reaching for the notifications shade with their thumbs.
We got our hands on a black variant with a walnut wood backing and silver trim.
Josh Miller/CNET
But putting aside the size, it's still an attractive, quality built handset. Its curved backing conforms to your palm and the screen's glass panel smoothly curves down the side edges. The control buttons are narrow, and the ridges on the power/sleep button makes it easier to identify by touch. And Motorola's metal M-dimple on the back of the previous generation has now shrunken in size and sits in an elegant metal strip that runs between it and the camera lens.
Keep in mind that unlike its cheaper Moto G counterpart that came out this year, the phone is not submersible underwater. It is water repellent though, so you won't have to worry about a few water droplets here and there.
The Moto X Pure Edition also has dual front speakers -- as in both speakers will output audio for music and movies (though only the bottom grille will output phone calls on speaker), resulting in a louder and fuller experience. This is different from last year's, which only used one stereo speaker for media, and the other served as the in-ear speaker for calls.
Most importantly, Motorola continues its legacy to enable users to customize the look of the device. You can start with either a black or white base color, choose the accent colors (as in, the color of the speaker grilles on the front and the metal strip on the back), and the color of the back, which also comes in different materials: plastic, wood, bamboo and leather.
Some may argue that the ability to customize the handsets is trivial. But when the mobile market is saturated with so many phones that look the same, having a say over how yours looks (without the use of a case), is one of the few ways to have it stand out and make it truly yours. That matters to people, and it's a need that Motorola has tapped into well.
Other different design options for the Moto X Pure Edition.
Motorola
As for device's display, it's bigger as I mentioned before. It also has a sharp 1,440p resolution and it's maximum brightness level is bright enough to view comfortably outdoors in sunlight. Likewise, the minimum brightness level is also extremely dim, which is useful for avoiding eye-strain when viewing your handset in the dark.
The screen has a wide viewing angle and is responsive to the touch. I had no problems reading text and playing games, and streaming YouTube videos and watching the HD movie "Gravity" looked smooth and crisp. There's also a new setting under Display where you can choose between two color modes: normal or vibrant. Under normal mode, colors are already bright and vivid. But with the latter, hues are more saturated and richer.
Software and features
Google Android 5.1.1 Lollipop OS
Minimal Motorola software
Useful gesture controls
Despite its name, the Moto X Pure Edition isn't exactly the "purest" Android device, at least not compared to the Google's own Nexus family (understandably) and Play Edition handsets (though the latter has ceased all production since January). Don't be too disappointed, though -- if you want an untouched Android experience, Motorola's Moto line comes pretty close.
First, because you can get it unlocked, you won't get any carrier bloatware and branding. Instead, you'll get the usual set of Google apps such as the Chrome Web browser, Gmail, YouTube and more. Second, while you won't have a manufacturer user interface overlaid on top of the phone in the same way TouchWiz and Sense skins Samsung and HTC devices, respectively, Motorola still included some useful features under its Moto app.
These features are accessible under a single Moto app, which has Moto Assist, Actions, Voice and Display. Assist adjusts your Moto X Pure Edition settings depending on where you are or what you're doing. If you've scheduled a meeting into Google Calendar, for example, the device can switch to vibrate right and reply to any missed calls with a predetermined message.
Motorola's suite of software features (left), including Moto Voice commands (right).
Lynn La/CNET
Actions is all about gesture controls: Twist your wrist with the phone in your hand to launch the camera or chop your hand in the air to turn on and off the flash to use as a flashlight.
Motorola's voice input, called Voice, works similarly to Google Now, so if you've used that feature before, you have a good idea of what to do here. It works with both built-in and third-party apps and you can set an alarm, navigate to a destination with Maps, look up a song title that's playing at the moment, begin a Twitter post and more.
Display shows any missed notifications you have, even while the device is sleeping, with a wave gesture. The current time and any missed notifications will pop up in white. You can preview a missed notification by longpressing its app icon, or press-and-swipe to launch it directly from the screen.
Because it offers a nearly vanilla Android experience, you won't get any carrier bloatware.
Josh Miller/CNET
Two other apps, Moto Connect and Migrate, round up the last of the handset's Motorola software. Connect manages all peripheral Motorola gadgets you may have like the Moto 360 smartwatch or a pair of its wireless headphones. Migrate helps you port over your contacts, apps and other files from a previous phone onto your new Moto X Pure Edition.
For the most part, Motorola's software works well. I am a fan of Moto Display, which doesn't sound like much, but it saves you from having to press the power button throughout the day to see any missed notifications. And while it isn't a new feature, flicking the device to fire up the camera is convenient and saves a lot of time.
The handset is, however, loaded with your standard line of Google apps.
Josh Miller/CNET
I did run into some issues, however. For one thing, you'll need the latest version of the Moto app to update your status on Facebook hands-free through Moto Voice. Otherwise, the handset will reply that it can't connect to "the cloud" after you dictate a post. And while you can dictate Facebook posts and text messages, you can't do the same on Twitter. Voice just activates a small Twitter window so you can begin posting, but you'll need to type out the actual message.
It's also unclear what requires you to say your PIN when you use Voice commands while the phone is locked. For example, posting to Facebook prompts a PIN confirmation, but sending a text doesn't. The chopping gesture to activate the flash also doesn't feel natural or work as smoothly, and half the time I'm afraid I'll end up chucking my device across the room.
But perhaps the most disappointing thing is that compared to its predecessor, the Moto X Pure Edition doesn't offer anything substantial in terms of new software. A small amount of tweaks have been made, but overall, nothing substantial has been added. In some ways that's understandable since Motorola is purposely staying as close to the pure Android experience as one can get. But it's still a bit of a letdown to know that your new handset carries the same bag of tricks as it did last year.
Cameras and video
21-megapixel rear-facing camera
5-megapixel front-facing camera
Can record 4K (rear) and 1,080p (front) video
Night mode shooting and wide-angle front-facing camera has its own flash
The native camera app isn't loaded with tons of editing features, but both cameras do have HDR (high dynamic range) shooting, a touch-focus module where you can adjust the exposure as well, a digital zoom, a timer and geotagging. They also have a flash (yes, even the front-facing camera so you can brighten up your selfies) and a new shooting mode called "night mode" for low-light environments. Photos can be taken in either the wide 16:9 aspect ratio or the more squarish 4:3.
As for video, both front and rear cameras can record 1,080p HD footage and slow-mo videos in 720p (a change from the predecessor's better 1,080p slow-mo capabilities). While shooting video, you can also take pictures and pause recording.
The rear camera in particular can also take panoramic photos and scan QR codes and bar codes to look up via Google or copy onto the clipboard. And on top of already shooting 1,080p video, it can also record ultra-HD 4K video, which -- at 3,840x2,160p -- offers four times the resolution of 1,080p. That's state of the art -- albeit of dubious value, however.
Say cheese! The front-facing camera comes with its own flash.Josh Miller/CNETIn this well-lit indoor photo, objects are still clear and easy to make out, and lighting is evenly exposed.Lynn La/CNET
As for picture quality, photos looked decent, and the camera does well for everyday informal shots. Though they didn't manage to blow me away, it's still adequate enough to post online or print out a small photo.
Pictures taken outdoors or in amply-lit indoor environments looked great: colors were accurate, objects were clear with defined outlines and you can still see a lot of details retained at full resolution. There were a few times when the phone took a couple of tries to focus on an object up close, but eventually it'd lock on and snap a clear picture. Photos taken in low-light environments didn't fare as well, which is a common occurrence in smartphone photography. Though night mode improved exposure somewhat, I still saw a noticeable amount of digital noise, graininess and muted colors.
Because the front-facing camera has a wide-angle lens, my photos captured more content and space into the frame. As such, however, do expect to get some elongated angles near the corners of your pictures. For more information on camera quality, click the photos below to view them at their full resolution.
Video quality was solid. Nearby and distant audio was picked up well without any noticeable noise distortion, and both moving and still objects looked smooth and sharp. There was no discernible lag between my moving of the camera and what I saw in the viewfinder, and the camera was able to swiftly shift focus and exposure as I moved it around.
Night mode brightened up this dimly lit bar a tad -- but the photo is still not so great.
Lynn La/CNET
In our standard studio shot, these items look clear and defined, and the flash didn't leave any harsh reflections against the background.
Lynn La/CNET
This photo taken on a sunny day shows true-to-life colors and images that are sharp and in focus.
Lynn La/CNET
Though the stems and leaves on the right are clear, the right pomegranate gets blurry around the edges.
Lynn La/CNET
With its wide-angle front-facing camera, you can capture more content with your selfies (or groupies if you have friends).
Lynn La/CNET
Hardware performance
1.8GHz 6-core Qualcomm Snapdragon 808
600MHz Adreno 418 graphics processing unit
16GB, 32GB or 64GB of internal storage with up to 128GB of expandable memory
3GB of RAM
3,000mAh nonremovable battery
Though the Moto X Pure Edition's processor has a lower clock speed than its predecessor (from 2.5 to 1.8GHz), its Snapdragon 808 processor still operates swiftly and smoothly. For one thing, the CPU is no slacker (it's the same one featured in the LG G4 ) and the RAM has been bumped up to 3GB. In general, I didn't notice any stuttering issues or lag while executing a number of everyday tasks like calling up the app drawer, opening the camera and switching between apps. Images for graphics-intensive games like Riptide GP 2 and Kill Shot were rendered fast and smooth, and the overall gaming experience was solid. It took about 37 seconds to power off and restart the device and 1.38 seconds to launch the camera.
Also, unlike the previous two versions of the Moto X, Motorola added a MicroSD card slot that can hold up to 128GB of extra memory -- giving you more breathing room for your photos and files.
But while the handset provides plenty of power to satisfy your daily smartphone needs, its benchmark scores falls behind its competitors. That's not surprising since the Galaxy Note 5 belongs to a more premium caliber, and both the OnePlus 2 and the ZTE Axon Pro sport the 8-core Snapdragon 810 processor. In that sense, the Moto X Pure Edition performed well for itself, but aside from having the second-highest single-core Geekbench 3 result among the latter two, it altogether fell a bit short of the other devices.
Benchmark test comparison
Motorola Moto X Pure Edition19,7251,2713,528Samsung Galaxy Note 524,5891,4884,939OnePlus 222,6451,1424,461ZTE Axon Pro25,7428683,958
3DMark Ice Storm (unlimited)
Geekbench 3 (single-core)
Geekbench 3 (multi-core)
Note: Longer bars indicate better performance
Call quality and data speeds
GSM/GPRS/EDGE: (850/900/1800/1900 MHz)
CDMA: (800/850/1900MHz)
UMTS/HSPA+: (850/900/1700(AWS)/1900/2100MHz)
LTE B1/2/3/4/5/7/8/12/13/17/25/26/38/41
Wi-Fi 802.11 a/g/b/n/ac + MIMO
Wi-Fi 802.11 a/g/b/n/ac + MIMO
For US customers, Motorola's handset is unique because it works for carriers that operate on either GSM or CDMA technology. Meaning, for example, the phone can make calls and surf the Internet on AT&T and T-Mobile's network (which uses the GSM standard) and do the same on Verizon and Sprint (which uses CDMA). This isn't a huge deal if you don't plan on leaving your carrier, but for those switching from a GSM to CDMA carrier or vice versa, or already have two devices on these different platforms, know that you can use the same Moto X no matter what network you go with.
Motorola Moto X Pure Edition average data speeds
4G LTE download rate
11.7Mbps
4G LTE upload rate
15.82Mbps
CNET mobile site load
4 seconds
CNET desktop site load
4 seconds
Temple Run 2 app download (44.52MB)
34 seconds
"Gravity" movie download (1.7GB)
24 minutes and 31 seconds
As for call quality, I tested the unlocked handset using AT&T's cellular network. Call quality was great. Volume range was appropriate (with the maximum volume being satisfyingly loud), my calling partner was clear and easy to understand and I didn't pick up any extraneous buzzing or static. Audio speaker was also reliable. As I mentioned before, speaker calls only comes out from the bottom grille, but that's still enough to hear my partner well, even when I was outdoors nearby noisy traffic. Likewise, I was told that I sounded good too, and when I stepped outdoors, my partner did not pick up any background sounds from the surrounding environment.
The phone's fast-charging Turbo Charger.
Josh Miller/CNET
Data speeds on AT&T's 4G LTE network were fast. According to Ookla's speed test, it had an average download rate of 11.7Mbps and upload rate of 15.82Mbps. It took about 4 seconds to load each of CNET's mobile and desktop site and 34 seconds to download and install the 44.52MB game Temple Run 2. One attempt to download the 1.7GB, high-definition movie "Gravity" took 24 minutes and 31 seconds.
Battery Life
With heavy usage, the Motorola X Pure Edition's non-removable battery can deplete quickly. After spending a workday surfing the Web, downloading apps and making calls, I hit 30 percent by late afternoon. To last the rest of the evening, I had to plug in the device for a charge.
During our battery drain test for continuous video playback, the handset lasted an average of 8 hours and 46 minutes. Although last year's Moto X had a smaller screen, its lower-capacity 2,300mAh battery lasted over 10 hours. And compared to its rivals, the OnePlus 2's 3,300mAh battery lasted 9 hours and 46 minutes (though we weren't very impressed with that performance either), and the Axon Pro's 3,000mAh battery lasted shorter at 8 hours and 8 minutes (again, not the best from all parties). I you want to know what does impress us, the Samsung Galaxy Note 5 -- while admittedly a higher-tiered phone and expensive than all these devices -- lasted a whopping 15 hours of continuous playback on its 3,000mAh battery.
Motorola's handset, however, does come with a 25-watt Turbo Power charger, which promises to juice up your battery quickly. It does, in fact, charge the phone in a jiffy. When completely drained, it took only about an hour and 15 minutes to charge to 100 percent. And if you need to charge in a pinch, shutting it off and plugging it in for 10 minutes will gain about 20 percent battery life.
Conclusion
The Motorola Moto X Pure Edition is a great device for specific users. Google Android fans who can't wait until late September for the next Nexus reveal will enjoy the handset's nearly unsullied Android experience. The $400 phone bucks the current trend by offering external storage, and loops in support for the world's most prevalent network technologies -- CDMA and GSM -- so it should work with almost every carrier.
And with its numerous choices of color accents, engravings and materials, having a Moto X Pure Edition means having a device that reflects your own style. Heavily consider this handset if that's an important asset for you.
If it's not, however, there are lots of viable alternatives. If money isn't an issue, the Samsung Galaxy Note 5 is the reigning Android supersize phone: It's powerful, stylish and has a long-lasting battery.
The Moto X Pure Edition is witnessing a far more competitive landscape for unlocked handsets than its predecessor.
Josh Miller/CNET
In addition, the mobile landscape for unlocked phones has changed a lot since last year's Moto X came out. They are getting more powerful at a lower cost.
For US customers, the $500 ZTE Axon Pro costs $100 more but has a 8-core Snapdragon 810 processor, 4GB of RAM and tons of native camera features. Globally, you can try and nab the OnePlus 2 . Due to its limited availability it can be hard to get, but if you do, it starts at the very competitive price of $330 (£215 or AU$450, converted). It's also equipped with the 810 CPU and if you're keen on wood backings like the ones that come with the Moto Xs, the OnePlus 2 has that as well.
All in all, the Moto X Pure Edition is a reliable and quality-built device, but if you have the previous model, don't feel like you're missing out on anything. The competition is fierce these days, and while the Moto X may be partially to blame for setting my expectations too high, the X Pure Edition just doesn't deliver that winning combination of style, power and value that I've come to expect.