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Bluetooth Hack Could Hit Most Devices, Say Researchers


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Bluetooth hack could hit most devices, say researchers


Bluetooth hack could hit most devices, say researchers

More than 5.3 billion devices with Bluetooth signals are at risk of a malware attack newly identified by an internet of things security company.

If you're not keeping count, that's most of the estimated 8.2 billion devices that use Bluetooth, which allows for our gadgets to connect and communicate wirelessly. Nearly every connected device out there has Bluetooth capability. Your phones, laptops, speakers, car entertainment systems -- the list goes on and on to even the most mundane gadgets.

Because those devices can connect to others effortlessly, Bluetooth has left an open attack point for hackers, according to researchers at Armis Labs. The attack method, which they're calling BlueBorne, is especially dangerous because it can spread without the victim doing anything or noticing it. 

In a lot of cases, malware depends on people clicking on a link they shouldn't have, or downloading a virus in disguise. With BlueBorne, all hackers need to spread malware is for their victims' devices to have Bluetooth turned on, said Nadir Izrael, Armis' chief technology officer.

And once one device has been infected, the malware can spread to other devices nearby with the Bluetooth turned on. By scattering over the airwaves, BlueBorne is "highly infectious," Armis Labs said.

"We've run through scenarios where you can walk into a bank and it basically starts spreading around everything," Izrael said.

The attack echoes the way the WannaCry ransomware spread earlier this year. WannaCry allegedly used the NSA's EternalBlue vulnerability and infected computers on the same network, even though they never downloaded the virus. That ransomware infected hundreds of thousands of computers within several hours.

Ben Seri, Armis Labs' head of research, fears that BlueBorne will lead to a similar massive outbreak. In several trials testing out BlueBorne, researchers were able to create botnets and install ransomware using Bluetooth, all under the radar of most protection.

"Imagine there's a WannaCry on Bluetooth, where attackers can deposit ransomware on the device, and tell it to find other devices on Bluetooth and spread it automatically," said Michael Parker, the company's vice president of marketing.

BlueBorne is a collection of eight zero-day vulnerabilities that Armis Labs discovered. Zero-day vulnerabilities are security flaws that are found before developers have a chance to fix them. That kind of exploit lets hackers execute malware remotely, steal data and pretend to be a safe network as a "man in the middle" attack.

It does this by taking advantage of how your Bluetooth uses tethering to share data, the company said. It's able to spread through "improper validation," Izrael said. The vulnerability affects devices on most operating systems, including those run by Google, Microsoft and Apple.

The three companies have released patches for the vulnerability. Apple confirmed that BlueBorne is not an issue for its mobile operating system, iOS 10, or later, but Armis noted that all iOS devices with 9.3.5 or older versions are vulnerable. Microsoft released a patch for its computers in July, and anybody who updated would be protected automatically, a spokesman said. Google said Android partners received the patch in early August, but it's up to the carriers to release the updates. Pixel devices have already received the updates.

Of the 2 billion devices using Android, about 180 million are running on versions that will not be patched, according to Armis.

The concern is the multitude of devices that will not be getting updates. Google, Microsoft and Apple are tech titans that regularly update their products for security. But updates might not be as frequent for single-purpose smart devices like your smart refrigerator or a connected television.

Of the potentially impacted devices, Armis Labs estimated that 40 percent are not going to be patched. That's more than 2 billion devices that will be left vulnerable to attacks, they warned.

"We're looking at a forever-day scenario for many of these devices," Parker said.

You can turn off your Bluetooth to prevent attacks if you won't receive the patch, Armis advised.

The Smartest Stuff : Innovators are thinking up new ways to make you, and the things around you, smarter.

iHate : CNET looks at how intolerance is taking over the internet.


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Amazon Echo's Spooky Sounds And Stories Can Get You Ready For Halloween. Here's How


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


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

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

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

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

Scare neighbors with your Echo speaker 

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

Play spooky sounds

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

  • Spooky Halloween Sounds will play a continuous loop of unsettling noises until you tell Alexa to stop. Just say, "Alexa, start Spooky Halloween Sounds" to get started.
  • Spooky Sounds plays 50 minutes of original spooky sounds (in a continuous loop), complete with an audio Easter egg hidden within. Say, "Alexa, open Spooky Sounds" to begin.
  • Spooky Scream will play a random scream after a set time of your choosing. Say, "Alexa, ask Spooky Scream to start in 5 minutes." Turn up the volume and wait for your unknowing victim to fall into your trap.

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

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Spooky sounds are sure to scare the neighborhood kids.

Chris Monroe/CNET

Play Halloween-themed games

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

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

Ask Alexa to tell a scary story 

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

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

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

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Alexa can tell you scary stories. 

Alina Bradford/CNET

Play Halloween music

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

Greet visitors with spooky sounds

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

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

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

ring-door-view-cam-22

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

Chris Monroe/CNET

Create a smart haunted house

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

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

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Spookify your house with smart bulbs.

Josh Miller/CNET

Get help with a last-minute costume 

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

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

Lighten up with Halloween jokes

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

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


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https://notabled.pops.my.id/

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What Is Home Equity?


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What Is Home Equity?


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

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

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

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

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

How do you calculate home equity?

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

Ways to borrow against home equity 

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

Home equity loan

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

HELOCs

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

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

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

Reverse mortgage  

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

The bottom line

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


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https://recipesbloge.kian.my.id/

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Adjustable-rate Mortgages: Everything You Need To Know


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Adjustable-rate mortgages: Everything you need to know


Adjustable-rate mortgages: Everything you need to know

The vast majority of mortgages are of the traditional, fixed-rate variety which offer stability and predictable payments for the life of your loan. Adjustable-rate mortgages offer more flexibility -- and often a lower initial rate -- than fixed-rate loans. But you're going to take on some risk in exchange for those benefits. 

Low rates on fixed-rate mortgages may have driven more borrowers away from ARMs over the past decade -- they currently make up a tiny share of the overall mortgage origination market -- but they can still be a good choice in the right circumstances, according to Mike Swaleh, area manager with Fairway Independent Mortgage Company in St. Louis.

"You really only want to take on the risk of an ARM product when the rate difference compared to a fixed-rate loan is high enough to make it worth it," says Swaleh. ARMs can also be a good idea if you're not planning on owning the home for longer than the introductory period or you have the financial flexibility to withstand a high rate increase.

Below, we break down how ARMs work, how they differ from other types of mortgages and whether they're a good option for you.

What are adjustable-rate mortgages?

There are many types of ARMs, but they all have one thing in common: a fixed-rate introductory period followed by a variable interest rate. This is what differentiates all ARM products from traditional fixed-rate mortgages.

With an ARM, you'll pay a set rate for an introductory period of one or more years (more on that below), after which the interest rate can go up or down -- depending on a range of macro-economic factors. Once you're in the adjustable-rate period, your monthly payment could change significantly every year -- making budgeting more difficult.

The big appeal of ARMs is that the initial introductory rate is usually lower than the rate on a fixed-rate mortgage. This has held true even in 2021, when fixed rates have hit historic lows. With an adjustable-rate mortgage, you're taking a gamble that the savings you collect in that introductory period will pay off even if your payment eventually goes up. 

Two factors that will affect your payment during the adjustable-rate period are indexes and caps.

Indexes that affect ARMs

Short-term rates like those for ARMs are based on a few major indexes. These indexes set the base rate for any loans that are made. The most common ones for ARMs are: 

  • The Constant Maturity Treasury: This is the weekly average yield on the US Treasury note, which represents short-term government securities and is backed by the Federal Reserve Board.
  • Secured Overnight Funding Rate: This rate, which serves as a benchmark for all overnight cash lending, is replacing the London Interbank Offered Rate as the primary index for short-term loans.
  • The 11th District Cost of Funds Index: This provides a weighted average of the rates banks pay on savings accounts and money they borrow from other institutions. 

On top of whichever index your ARM uses, your lending institution will set a margin. This margin is usually set for the life of your loan and added to your current rate when your loan adjusts. For instance, if the index is 1.5% and your lender's margin is 2%, your effective rate is 3.5%.

Adjustable-rate caps

These indexes can change significantly over time, which leaves you vulnerable to substantial rate swings. This risk is somewhat mitigated, however, by rate caps. These caps serve as guard rails that prevent your interest rate and loan payment from increasing too much.

Your adjustable-rate loan caps should be disclosed upfront and usually come in one of two forms:

  • Periodic caps, which limit how much your rate can increase from one period to the next.
  • Lifetime caps, which put a lid on how much your rate can go up over the life of the loan.

Although payment caps protect you from big rate hikes, they can also expose you to something dangerous: negative amortization. If the index rate is higher than your cap, your payment might not be large enough to cover the principal, and you could end up seeing your loan balance go up instead of down.

How introductory periods work

To truly understand adjustable-rate mortgages, it's important to get a handle on the nomenclature. 

With a 5/1 ARM, the five indicates your introductory period -- five years -- and the second number -- the one -- indicates the annual frequency with which your rate readjusts after the introductory period ends. For a 5/1 ARM with an introductory rate of 2.5% (0.5% index and 2% margin) and a 30-year term, your rate will be set at 2.5% for the first five years, after which it's eligible for adjustment once a year.

This means that you can count on a set payment for five years. In year six, if the index jumps to 2.5%, your new effective rate is 4.5%. For the remaining 25 years of your loan, your principal payment won't change, but your interest payment will increase. And that could add hundreds of dollars to your monthly payment.

Common types of adjustable-rate mortgages

There are a wide variety of ARMs on the market. Here's an overview of the most common ones:

Hybrid ARMs

These ARMs have both a fixed period and an adjustable period, as indicated in the example above. The first number indicates the fixed period (in years), and the second indicates how often the adjustable rate will be reviewed and updated. This adjustment time frame is usually one year but could be different (every six months or every five years, for example). Common types of hybrid ARMs include:

  • 5/1 ARM: The most common ARM, this mortgage features an introductory five-year fixed-rate period after which your rate can be adjusted annually. 
  • 7/1 ARM: This ARM has a seven-year fixed-rate introductory period, after which your adjustable-rate would change once a year for the duration of the loan.
  • 10/1 ARM: This ARM has a 10-year fixed-rate introductory period, after which your adjustable-rate could change once a year for the duration of the loan.
  • One-year ARM: This ARM has a one-year fixed-rate introductory period, after which your rate would adjust once a year for the duration of the loan. Right now, one-year ARMs are popular options for jumbo loans, particularly since current rates are at all-time lows.

Interest-only ARMs

These ARMs offer an introductory period during which you pay only interest while your principal balance stays the same. Often, you'll have a low monthly payment during the introductory period, but it could increase significantly once you're required to start paying off the principal -- especially if your rate increases at the same time.

Payment-option ARMs

These adjustable-rate mortgages offer considerable flexibility -- and risk. Lenders may offer several payment options, including paying interest and principal, only paying interest or making a minimum payment -- each with its own pros and cons. Some lenders may let you select a different payment option each month. Unpaid interest on these types of loans can add up quickly, however, putting you at risk of negative amortization. 

FHA ARM Loans

You don't need a conventional loan to opt for an ARM. FHA loans, which are backed by the Federal Housing Administration, are also available in various hybrid formats. These loans are typically used for first-time homebuyers and can be a good option if you can't afford a 20% down payment or have poor credit. FHA ARMs are available as one-year ARMs, as well as 3/1, 5/1, 7/1 and 10/1 options.

Reasons to consider an adjustable-rate mortgage 

Despite the risks, an ARM can be a good option for some home buyers. They offer several advantages:

  • Lower interest rates than fixed-rate mortgages: The difference varies based on market conditions, but you're likely to get a lower initial rate on an ARM than a 30-year, fixed-rate mortgage. When fixed rates are high, ARMs can make for a compelling alternative.
  • Flexibility: If you know you're not going to be in a home for the long haul, you can take advantage of a low introductory rate and then refinance or sell before you reach the adjustment period.
  • Low introductory payments: Locking in a low monthly payment for five years (or more) can free up funds for other purposes. And if you expect to earn a higher salary in the future, a higher monthly payment in the future may be less daunting.
  • Rates and monthly payments may decrease: There's always the chance that your rate and payment could go down -- though that's more likely if you bought or refinanced your home at a time when rates were high.

Reasons to avoid an adjustable-rate mortgage

While ARMs offer some material benefits, the risks are significant. (In fact, ARMs played a role in the 2008 financial crisis, before which they were marketed to homebuyers who did not understand the risks. The good news is ARMs are more tightly regulated now and that the riskiest versions have been retired. 

"The two big ways ARMs have changed since the mortgage crisis is in product and prevalence," says Swaleh. "Prior to the 2008-2011 collapse, ARMs made up a sizable portion of all mortgages originated. Today, they do not. In 2020, my team did 540 loan transactions. Not a single one of them was an ARM. As far as products go, the two most dangerous products (interest-only and negative-amortization loans) are far less available."

Still, there are some serious disadvantages to consider before taking on an ARM:

  • Monthly payments can increase: This is the most obvious risk you're taking with an ARM, and it can be significant -- even if your loan has caps. Make sure you understand your ARM's indexes and caps so you can calculate potential future payments.
  • Negative amortization: As noted, payment caps can create a dangerous situation in which your loan balance can actually increase if you're not paying enough toward the principal.
  • Difficult to build into a budget: You may have good reason to believe that your income will increase or rates will go down, but if 2020 taught us anything, it's that nobody can perfectly predict what will happen in the next few years. Could you handle a payment increase even without a raise? Do you have money saved in case you were to lose your job or take in less income? If not, then you may want to think twice about an ARM.
  • Prepayment penalties: Some ARMs have prepayment penalties to prevent you from paying any extra principal or paying off the loan in advance. Be sure to ask your lender about any payment penalties before you sign off on a loan.
  • Complicated fee structure: Some lenders structure their ARMs with complicated discount points that provide an even lower rate initially. Some ARMs also have origination fees, funding fees, and other costs associated with this type of mortgage product that you should talk to your lender about. This fee structure can further obscure the actual cost of your loan and make it harder to know if you're really getting a good deal.

How to apply for an adjustable-rate mortgage

If you decide to apply for an ARM, you'll find the steps are basically the same as they would be for any loan, but you should proceed with a little extra caution.

  1. First, review your credit and clean up any errors. If you need to improve your credit to increase your chances of locking in a better introductory rate, you may want to wait a few months.
  2. Determine what you can afford in terms of money down and monthly payments. Remember that the latter can change with an ARM, so be sure you are planning with this in mind.
  3. Get loan estimates from several lenders so you can compare rates, fees and closing costs. If you apply with several lenders within a short period (usually 30 days or less), the credit checks won't count as multiple inquiries on your credit report.
  4. Ask lenders about important aspects of ARM loans such as rate caps, negative amortization, discount points and the index used to determine your rate. Make sure you have all of this information before moving forward.
  5. Compare ARM terms to your fixed-rate options. Even if you're convinced an ARM is the best option for you, it's always helpful to explore all of your options before making a large financial decision.
  6. Get preapproved for an ARM. Next, you'll want to begin the application process and get preapproved so you can determine how much house you can comfortably afford.
  7. Finalize your ARM paperwork. Once you've been preapproved and decided on a lender, it's time to select the product that's best for your financial situation and sign your loan paperwork.

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https://ajarand.kian.my.id/

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Paving Stones: DIY A Paver Patio In 6 Easy Steps


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Paving stones: DIY a paver patio in 6 easy steps


Paving stones: DIY a paver patio in 6 easy steps

Paving stones are a powerful tool you can use to create unique and beautiful areas in your home's outdoor spaces. Available in a wide variety of shapes, sizes and materials, they're a relatively simple way to add extra style to your front or back yard.  

For instance, paving stones are great for sprucing up patios, walkways and firepit areas. They offer a good range of design aesthetics, too. Are you partial to natural stones? Perhaps you prefer uniform patio stones? Maybe traditional cobblestones or shaped concrete blocks are more your speed. Whatever direction you go, there are pavers available for creating pathways, patios, borders and even driveways. 

If you're considering a paving-stone project like that, then you've come to the right place. This guide lays out what you need to know to use pavers well. We'll also provide guidance about how to select the right ones and we'll give pointers on how to install your paving stones properly, too. Do it right and your designs will last for years to come.

Some types of paving stones can be used to create striking driveways.

Belgard

Paving stone materials

The first phase of your project is to decide the look and feel of the stone you'd like to use. Paving stones come in three main material types: natural stone, concrete and brick. Keep in mind that the thickness of the stone and its material composition contribute to its overall strength. This variation means that some types of paving stones are better suited than others for certain purposes. 

For instance, most pavers are strong enough for basic use, say in a garden or for a patio with regular foot traffic. However, pavers that are used to build a driveway must be able to withstand the weight of vehicles -- you'll need to make sure to select stones that are specifically designed and graded accordingly. Most home improvement stores such as Lowe's and Home Depot specifically list whether a type of paving stone they sell is up to this task.

No matter how simple or elaborate your paving-stone project is, having a plan always helps.

Construction Photography/Avalon/Getty Images

Step 1: Make your project map

Creating a clear depiction of the scale of your plan is a must. Start by marking the edges of your project with string, a paint line or another outlining method. Next measure the length and width of these edges. Multiplying these measurements will give you the total area you'll need to cover. From that you can determine the number of paving stones your project calls for, depending on their size.

Step 2: Create a solid base

You might get away with dropping patio stones down into an existing landscape without digging up any soil. Your best bet, though, is to excavate the target area first, then fill it with a base material. Commonly used items include crushed concrete, crushed shell or limestone. These substances will ensure that the stones sit level. 

You don't need to dig too deep. Digging and removing a few inches of earth is often all that's required. The goal is to unearth roots or other items that would have otherwise made your pavers settle unevenly over time. 

If you do plan on a deeper excavation, it's a good idea to check with your local utilities first. The last thing you want is to hit a buried gas or electrical line by accident. 

Once excavation is complete, you can start laying down a thin layer of your base material.

Step 3: Even out your surface

To avoid any stones sitting or settling higher than others, you'll need to even out your base layer. A tamper tool comes in handy for small areas. Larger projects such as driveways may require you to use a plate compactor.  

Also, consider that in some cases you might want to add a gentle slope to your patio to provide drainage away from your home and avoid the pooling of rain water.

Step 4: Put down your pavers

After you've covered your project area with base material, it's time to deploy your paving stones. Drop them as close together as possible. Keep in mind that you may need to trim a few stones if they don't fit exactly to your plan. 

If you just need to trim a few oddly fitting stones, you can use a hammer and chisel. Any more than that and you'll have to rely on a specialized saw or other power tool. 

Step 5: Consider restraining edges

For patios and larger installations, a concrete restraining edge, aka an edge restraint, might be necessary. It acts as a barrier and prevents the pavers from moving as the earth settles over time. There are also special pavers that serve as edging stones. As an alternative, you can buy hard plastic edging pieces that can hold your patio stones in place. Those will also help to keep out weeds and grass.

Step 6: Seal to preserve

As a final step, think about adding a sealer to your paving stones. Doing so will create a weather barrier and help preserve the finish of your patio, walkway or driveway. A sealer can also help to guard against color loss from exposure to the sun. 

Acrylic- and water-based sealers are available in a variety of gloss levels. Be sure to follow the directions on your sealer packaging carefully to ensure that it adheres properly.


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5 Ways To Make Your Passwords Instantly More Secure


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5 Ways to Make Your Passwords Instantly More Secure


5 Ways to Make Your Passwords Instantly More Secure

What's happening

Today is World Password Day. The event was created by Intel in 2013 to encourage people to better secure their online accounts.

Why it matters

Weak passwords put personal information at risk. Even worse, people use the same bad passwords for multiple accounts, which means if one get compromised others could also fall.

What's next

Check out CNET's tips for how to create better passwords and lock down your logins.

If you think your passwords are uncrackable, think again.

Despite years of warnings, experts say most people are still using weak passwords to protect even their most sensitive information. Many people are reusing those insecure passwords to protect multiple accounts, putting more of their data at risk should any of the accounts be compromised.

"It's the total account takeover scenario," said John Buzzard, lead fraud and security analyst at Javelin Strategy & Research, referring to a cybercriminal cracking one password and then using it to access other accounts. "Consumers lose control over their entire digital lives."

World Password Day, which takes place on Thursday, is a good time to review your digital security. Sure, it's a totally made-up celebration that Intel created in 2013. But it's still a good reminder to take a close look at your logins and make sure they check the required security boxes.

Passwords have been widely used for as long as computers have been on desktops, and they've been a source of aggravation for just as long. Efforts to replace them with other kinds of authentication technology have been in the works for years. While they've come a long way, they've so far been unable to completely eliminate the need for passwords. 

But companies keep trying. On Thursday, Apple, Google and Microsoft announced plans to boost their support for the passwordless sign-in standard created by the FIDO Alliance and the World Wide Web Consortium. That standard allows users to sign in with a biometric indicator, like a facial scan or fingerprint, or a device PIN. 

Those methods of authentication promise to be significantly more secure than passwords, which are often laughably easy to guess.

The top 10 passwords used in attacks against small and medium businesses last year included some as simple as "123," "password123" and "a123456," according to Specops Software's 2022 Weak Password Report. Pop culture references also showed up frequently. For example, the Cincinnati Reds were the most-mentioned baseball team within the pool of hundreds of thousands of compromised passwords the researchers analyzed.  

Setting long, complicated and unique passwords for all of your accounts may seem daunting, acknowledges Lotem Finkelsteen, head of threat intelligence and research at Check Point Software Technologies. But he says it's a must.

"The best password is the one you forget," Finkelsteen says, noting there's always a recovery process you can go through to reset your logins.

Password managers can help by remembering long strings of characters for you, while keeping them safe. Here are some tips from Check Point and others for creating good ones.

Longer is better. At least 16 characters is best. At that point, you don't have to worry so much about password-cracking software. Random sequences of characters are best, but passphrases, such as a combination of three unrelated words, will be OK in most circumstances. Throwing in a special character, such as symbols or punctuation marks, in the middle won't hurt.

Remember: If you use a passphrase, make sure the words only have meaning to you and don't signify anything important. "Red Sox Rule" might be a great way to show your loyalty to the team, but it isn't a terribly secure passphrase. Don't use your birthday or another significant personal date because cybercriminals can find them easily. Song titles and famous quotations are also bad ideas. Avoid cliche substitutions, such as using @ for "at" or "a," and $ for the "s."

Resist the temptation to recycle. Even the best passwords can be stolen and compromised. So limit the fallout by making sure you set unique passwords for all of your accounts. Sure, that could be a lot to handle since we're recommending 16-character or longer pass phrases.

If you need help, sign up for a password manager. Both free and paid options are available. Many internet browsers can also help you out with this task, though they don't always work across your various devices.

Change can be good. Experts are split on whether you need to change your passwords on a regular basis. They all agree, however, that you should change them right away at any hint of compromise.

Keep your details off social media. The more personal details you post, the more cybercriminals know about you. Those little, seemingly unimportant, bits of data could be used to crack your passwords.

While you're at it, stay away from quizzes you see posted on Facebook that ask a series of seemingly harmless questions in order to tell you what city you should live in or what your ideal vacation spot would be. Sure, they're fun, but they might be collecting personal information that could be used to crack your passwords down the road.

Always, always use 2FA. If your password does get compromised, a second layer of protection will go a long way toward protecting you. Two-factor authentication, also called multifactor authentication, is being used by a growing number of sites and requires someone trying to access your account to also enter a second form of ID.

It could be a code generated by an app, a biometric like a fingerprint or facial scan, or a physical security key that you insert into your device. Yes, that will slow you down as you access the account. But it's worth it to keep your account safe. If 2FA is available, use it.

One word of warning: If you can, avoid 2FA systems that text a code to your smartphone. SIM swapping, a scam in which a cybercriminal takes over your phone number, is on the rise. If a criminal takes over your phone number, they'll get your 2FA text message, too.


Source

https://dikartasura.pops.my.id/

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The Most Accurate Calorie Burn Tracker Isn't A Smartwatch -- And You Can Make One Yourself


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The most accurate calorie burn tracker isn't a smartwatch -- and you can make one yourself


The most accurate calorie burn tracker isn't a smartwatch -- and you can make one yourself

Smartwatches are great tools for keeping track of your activity. They can monitor your heart rate during a workout and track your sleep, and some even help manage workout recovery. But severalstudies show smartwatches and fitness trackers don't do as good of a job at calculating calorie burn during activity and can be off anywhere between 40% to 80% of your actual energy expenditure. 

A new wearable developed at Stanford University claims to be far more accurate. It's not worn on the wrist -- you put it on your leg.

That's because it measures leg motion, where most of your energy is used during lower body exercises like walking, running, climbing stairs and cycling. It uses two inertial measurement units (IMUs) plus a battery unit and microcontroller worn on the hip. Definitely not as convenient as strapping on a wrist-based smartwatch or tracker, but it's the first proof of concept developed by Stanford University graduate student Patrick Slade. 

Measuring calorie burn accurately is important for a number of reasons, but mainly because it can help people manage their weight. "We want to understand the connection between physical activity and obesity so we can develop new interventions to help people live longer, healthier and more fulfilling lives," says Steve Collins, associate professor of mechanical engineering at Stanford University, who co-authored the findings with Slade.

Naturally, I wanted to put this system to the test to see if a tracker worn on my leg could really be more accurate at estimating calories burned than one on my wrist.

stanfordwearable

Stanford graduate student Delaney Miller wearing the leg tracker.

Andrew Brodhead

Measuring calorie burn is complex

Most consumer wearables use heart rate and wrist-based motion to calculate calorie burn during activity. But heart rate isn't directly related to the energy you are expending, says Slade. "Your heart is just pumping blood through your body and has a bunch of different factors that affect it," he says. "How tired you are, if you had coffee, worked out, this time history makes it really volatile."

legwearable

Despite the wires, the tracker didn't get in the way during my workouts and is lightweight.

Lexy Savvides/CNET

Instead, his system breaks down motion into each step, then uses a machine-learning model to calculate energy expenditure. It was tested with over a dozen participants of varying ages and weights and averaged 13% error, compared with 40% to 80% error from consumer wearables.

To test its accuracy for myself, I've come to Stanford University's human performance lab, filled to the brim with a range of sophisticated workout equipment including an antigravity treadmill. But for the purposes of testing out this new wearable, only regular gym machines like a stair climber and exercise bike are needed. I'll be doing four workouts for 5 minutes each: walking, running, cycling and stair stepping.

Putting on Slade's system is straightforward. You strap two stretchy bands with the IMUs on your thigh and shin, then wrap a controller and battery around your waist. It feels like I have a small smartphone strapped to my midsection and I don't even notice the wires running down my legs. 

I also put on a lab-grade respirometer to measure my actual energy expenditure. This monitors the carbon dioxide I breathe out and the oxygen I breathe in to give me what Slade calls the "ground truth" reading, or my actual calorie burn. It costs tens of thousands of dollars and weighs about 5 pounds complete with mask and backpack, so it's not really the best tool for people to use outside the lab.

Finally, I strap a smartwatch to my wrist to get its calorie estimations. After my workouts, we'll compare results from all three devices. 

Once we get a baseline reading from the respirometer, I start working out. I know I'm not going to be setting any pace records with all these tools strapped to my body, but fortunately that doesn't matter -- we're only tracking energy expenditure.

The results are in -- and they're surprising

After gathering all the data points from each device, Slade walks me through the results. For running, the respirometry device said I burned 87 calories, the leg wearable 66 calories and the smartwatch 52 calories. You can see the rest of the calorie counts per exercise in the video on this page, but across all four workouts, the leg wearable error rate was 14% compared with 58% from the watch on my wrist. Turns out the watch was underestimating my overall calorie burn during each exercise, but Slade tells me it could overestimate for someone else. "People can't necessarily just scale the smartwatch estimates by a fixed amount to make them accurate for everyone," he says.

For now, this leg-based system only works for lower-body exercises, but he's already thinking of ways to make a version that can also take into account upper-body movement like weightlifting. "Maybe using an IMU in your smartwatch to get that arm motion, if you're doing a rep you could perhaps use the same modeling approach," he says. The research paper also encourages smartwatch engineers to use its method to improve calorie tracking effectiveness.

You can't buy this new wearable, but you can make it yourself. All of the instructions and code were made available in the hopes this will help speed up development. Slade is also working on a smaller and lighter version that could be integrated into clothing and maybe even use a smartphone as the controller.

For these sorts of trackers viable, they'll need to be affordable and small enough to wear all day, so we can track our energy expenditure on a second-by-second basis. "So you can really understand which activities led to the energy expenditure and how intense it was," Collins tells me. The end goal? By tracking our activity more accurately, wearables will be able to give us personalized insights into how to exercise or manage our weight.


Source

https://reinavietc.kian.my.id/

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Galaxy Z Flip 4: The Last-Minute Rumors You Won't Want To Miss


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Galaxy Z Flip 4: The Last-Minute Rumors You Won't Want to Miss


Galaxy Z Flip 4: The Last-Minute Rumors You Won't Want to Miss

Samsung's next Unpacked event is today -- here's how you can watch it live -- and we're expecting to see a couple new foldable phones. Samsung's trailer for the event shows off what could be the rumored Galaxy Z Flip 4 and Galaxy Z Fold 4

Although the Galaxy Z Flip and Fold 4 are both foldable phones, they differ in many ways. The most noticeable difference is that the Z Fold bends like a book, while the Z Flip folds vertically. Last year's Z Flip 3 was dubbed the "most normal foldable available," by CNET's Patrick Holland, and the upcoming Z Flip 4 will probably bring some welcome upgrades and refinements. 

Read more: Samsung Unpacked Live Blog: Galaxy Z Fold 4, Z Flip 4 Reveals To Come

We're collecting all the rumors regarding the Galaxy Z Flip 4's release date, price, new features and specs, and will be updating this story as new information becomes available. Here's what we've heard so far. Just note that, since these are rumors, none of the specs have been confirmed by Samsung. 

But to encourage people to reserve their phones early, from July 19 until Aug. 10, Samsung is offering an extensive list of discounts based on different bundles, from a maximum of $200 off for those reserving a Galaxy phone, watch and buds down to a minimum of $30 off for just reserving Galaxy buds. While this could be a hint of what's coming at Unpacked, the savings could apply to older Galaxy Watch or Galaxy Buds models.

Release date: Will we see the Galaxy Z Flip 4 on Aug. 10?

Following rumors about an August Unpacked from tipster Evan Blass, Samsung confirmed that it will hold an event on Aug. 10, 2022. It's still unclear what exactly will be announced at the company's upcoming event, but Samsung's invitation and trailer shows what appears to be a new version of the clamshell Galaxy Z Flip. 

Looking at the history of the foldable phone (and that of its Galaxy Z Fold sibling), we can broadly deduce when to expect the new device. 

The Galaxy Z Flip's launches don't appear to follow a specific pattern, as the original was announced in February 2020 and the Galaxy Z Flip 3 was released in August 2021. However, Samsung seems to have buddied the device with the Galaxy Z Fold, which is why the Z Flip jumped from version 1 to 3 -- to match the naming convention of the Z Fold. 

The 2019 Galaxy Fold and 2020 Z Fold 2 were released in September, while the Z Fold 3 debuted in August 2021. If Samsung plans on releasing the phones as a pair, we can likely expect the Galaxy Z Flip 4 in August or September alongside the Galaxy Z Fold 4, which aligns with the upcoming event date. 

Price: The Galaxy Z Flip 4 could be less expensive

We haven't yet heard much in terms of the Galaxy Z Flip 4's possible price. But, we can look to rumors about the Galaxy Z Fold 4 for hints. 

A Korean leaker who goes by the handle yeux1122 suggests the upcoming Galaxy Z Fold 4 will cost less than the Z Fold 3. (Leaker yeux1122 doesn't have much of a track record compared to others. MacRumors reported in February that they correctly guessed the iPad Mini 6's release time frame, but were incorrect about the tablet's screen size.) Although the tipster didn't provide any further detail, that speculation aligns with the phone's price history. The Galaxy Z Fold 3 ($1,800) got a price drop compared to the Fold 2 ($2,000). The price of the Galaxy Z Flip 3 was slashed last year as well to $1,000 from $1,380 for the original Z Flip. 

Read more: Here's One Feature Samsung Could Use to One-Up Apple

With that in mind, it's within the realm of possibility for Samsung to decrease the cost of the Z Flip 4. But, like every other rumor, we won't know for sure until the company announces the device. 

Galaxy Z Flip 3

The Galaxy Z Flip 4 and Z Flip 3, shown above, may look similar. 

Patrick Holland/CNET

Design: Larger cover screen and a new hinge

Rumors about the upcoming Galaxy Z Flip 4's display suggest Samsung's making a few small tweaks rather than large sweeping upgrades. According to Korean news site The Elec, the Z Flip 4 will retain the 6.7-inch internal foldable display of the Z Flip 3, but the external cover screen will slightly increase from 1.83 to 1.9 inches. Ross Young, co-founder and CEO of Display Supply Chain Consultants, however, believes that the cover display could increase further to 2 inches.

The Galaxy Z Flip 3's cover screen, the display on the outside when the phone is closed, is four times larger than that of the original Z Flip, and Holland lauded the move as a "step in the right direction." A slightly bigger cover screen could make reading notifications and swiping widgets a little easier. 

The Galaxy Z Flip 4 may also get a redesigned hinge. That is, according to leaker Ice Universe. The new hinge, which is also shown in leaked images of the foldable phone posted by Blass, would be thinner than those on the Galaxy Z Flip 3 and may give the phone's an overall slimmer design. 

screen-shot-2022-03-10-at-10-24-10-am.png

The Galaxy Z Flip's rumored extendable display. 

LetsGoDigital

According to a patent Samsung filed with the World Intellectual Property Office, however, the Galaxy Z Flip 4 may get more than just a new cover screen and hinge. The patent, as Dutch blog LetsGoDigital reported in March, shows a Galaxy Z Flip that has both a foldable and extendable screen that can be pulled out to create a display that is twice as large. 

Read more: Galaxy Watch 5: Every Noteworthy Rumor Ahead of Samsung Unpacked

Cameras: Rotating lenses?

Samsung didn't upgrade the camera hardware for the Galaxy Z Flip 3, but the upcoming Z Flip 4 may offer some improvements. If rumors are to be believed, the new foldable will offer a rotating camera and a better under-display camera. 

Samsung filed another patent application with the World Intellectual Property Office for a clamshell phone sporting a rotating camera, as LetsGoDigital reported in 2021. The camera, which lives on the foldable's hinge, has two lenses and can pivot to be used when the phone is closed, open or at different angles in between. This means the camera could take selfies and meet other photography needs. 

screen-shot-2022-03-01-at-10-25-50-am.png

The Galaxy Z Flip 4's rumored rotating camera. 

LetsGoDigital

Although a one-size-fits-all camera sounds neat, it may also cause the foldable's hinge to be significantly larger, making the phone itself bigger and bulkier. 

Additional rumors from Korean leaker yeux1122, suggest Samsung has tested versions of the Galaxy Z Flip 4 with an improved under-display camera that can be used on the cover screen, too. However, the company is also rumored to have tested versions of the phone with a perforated, punch-hole cutout display.

Read moreSamsung, the Galaxy Z Fold and Flip Could Be Even Better

Other rumored specs and features

Here's everything else we've heard about Samsung's Galaxy Z Flip 4's specifications and potential new features.

Battery

The Galaxy Z Flip 4 may have a larger battery capacity than its predecessor. According to leaker Ice Universe, Samsung's upcoming foldable phone could sport a 3,700-mAh battery. That's 400 mAh larger than last year's Galaxy Z Flip 3.

Snapdragon 8 Plus Gen 1 chip

Rumors from Ice Universe also suggest that the Galaxy Z Flip 4 and Galaxy Z Fold 4 may both run on the Snapdragon 8 Plus Gen 1 chip. The new chip would give the foldables a performance boost over the Galaxy Z Flip and Z Fold 3 which run on the Qualcomm Snapdragon 888. 

Color options 

The Galaxy Z Flip 4 is rumored to come in four colors, including blue, black, cream and a lavender option said to be called Bora Purple, according to supposed renders posted by MySmartPrice.

We still have some time until the Galaxy Z Flip 4's possible reveal, but we have some helpful information to check out while you wait. You can read up on rumors about the Galaxy Z Fold 4 and CNET's reviews of Samsung's flagship phones, the Galaxy S22 and S22 Ultra. You can also check out how to save up to $200 on Samsung's new foldables before they even launch

Have an Android phone that needs tweaking? Take a look at these settings to change and how to clear your browser cache. More of an Apple fan? We're collecting iPhone 14 rumors, too.


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