How to save to invest how to save to invest how to invest money to make more how to invest more money invest money to make more money esi earn save invest how to save inventory in minecraft creative how to save inventor file as older version how to save an email as a pdf

How to save, invest and earn more for a better 2022

How to save, invest and earn more for a better 2022

This story is part of The Year Ahead, CNET's look at how the world will continue to evolve starting in 2022 and beyond.

Trying to forecast the future can be a fool's errand, but recent trends in the money world and expert financial predictions offer a window into what 2022 may have in store for us. From rising interest rates to inflation pressures to new IRS rules, here's an overview of what we can expect - and how to make the most of our money.

1.) In debt? Make pay down a priority

If you're saddled with high-interest debt, the new year may be a smart time to prioritize knocking down those balances, as the threat of rising interest rates looms.  

"The U.S. Federal Reserve lowered interest rates in response to the pandemic to help stimulate the economy, which made borrowing money far less expensive for consumers. But as the economy continues to improve and the inflation we're seeing now becomes more of a concern, it's likely the Fed will raise interest rates, which will make borrowing more expensive... which can affect everything from mortgages to credit card debt," says Stefanie O'Connell Rodriguez, host of Real Simple's Money Confidential podcast. 

"If you have credit card debt, this might be a good time to prioritize getting that balance down as much as possible so you're not just paying the minimums and subject to higher interest rates on your remaining balance as rates rise," she advises.

To ease the rate burden, you may want to consider transferring card balances to cards offering 0% introductory interest rates but only if you can pay down the balance before the promotional rate expires, which is often between 12 and 18 months.

Finally, the threat of rising rates may give some homeowners incentive to refinance. If your current mortgage has a variable interest rate -- which means it could periodically adjust with the market -- 2022 may be a wise time to consider switching to a fixed rate mortgage.  

2.) Focused on saving? Shop around  

In recent years we saw the personal saving rate in this country reach record highs - and for good reason. The uncertainties and life shifts brought upon us from the pandemic led those of us fortunate to still have income streams to save more. The stimulus checks also helped in some cases.

Now, if inflation continues to rear its head as it has in recent months, we may need our savings to pay for the increases in groceries, gas, homes and cars. Mapping out a budget for the new year to factor in some of these price hikes can prove essential, as could parking a little more money in the bank if you've yet to build up savings.  

"If you do not have an emergency fund, aim to save at least three to six months of necessary living expenses in a high-yield savings account," recommends Cindy Zuniga-Sanchez, founder of Zero-Based Budget Coaching LLC in New York. "The emergency fund serves as your financial cushion in the event of a job loss, decrease in income or other life change." 

Start with as little as you can but commit to saving consistently. An app like Digit is popular for helping users save small amounts incrementally. It uses machine learning to figure out the easiest amount you can save here and there and makes the transfers for you. Digit's website says the average user saves $2,200 a year through its app. Membership is $5 per month after a free 30-day trial.

And it's a good time to save, theoretically. While rising rates can spell bad news for those carrying debt, it's typically encouraging for those looking to earn more than the near zero percent rate or return they've been accustomed to in their bank accounts. And as more digital-only financial institutions with higher savings rates enter the marketplace vying for our deposits, more consumers may be incentivized to switch banks.

3.) Behind on retirement savings? Bank on new contribution limits  

If 2022 is the year you want to bump up your retirement savings, good news: In November the IRS announced that savers can set aside an extra $1,000 in their workplace retirement account. This includes the 401(k), 403(b), most 457 plans and Thrift Savings Plans. The new contribution limit - which is tax deductible - will be $20,500.

As a reminder to those who may have taken advantage of the CARES Act and taken a coronavirus-related withdrawal from their retirement plan in 2020 at no penalty, you can repay the full amount in 2022 and claim a refund on the taxes you paid. If you haven't done so already, remember that this may be the last eligible year to repay your retirement account to earn back the taxes you may have paid. 

4.) Eyeing a new house? Avoid knee-jerk reactions to rising rates

Prospective homeowners concerned about rising interest rates may be inclined to either sit back on the sidelines or speed up a purchase. But, as always when considering what's probably going to be the biggest financial purchase of your life, consider all of your expenses - and have some perspective. 

"Rates will tick up," says Kathy Braddock, Managing Director of William Raveis NYC. "But most younger buyers need to know that in the late 1970s and early 1980s, rates were close to 20 percent and people still bought homes."  

Braddock's advice to homebuyers is to first do the math to see which move - renting or buying - offers more financial and lifestyle benefits. If you do decide to buy in 2022, it's all the more important to have a strong credit score to bank on the best possible rate. Shop around for a quality loan, and to help ride out market fluctuations, lock your rate and have at least a three-year commitment to staying in the home before needing to sell, says Braddock. Our CNET mortgage calculator can also help you better determine how much house you can afford.

If it's any comfort, the National Realtors Association predicts more housing supply in the next year based on expectations of new construction and the expiration of the mortgage forbearance program prompting some owners to sell. This could help to reduce the rising pace of home prices in the previous year and lessen the sting of rising rates.

5.) Want to make more money? Engage your employer

With 2021's Great Resignation leaving some companies scrambling for new talent, the new year may be a fertile time for you to finally get that promotion or raise. That is, assuming you've been adding value and plan to stay with your company. 

While higher pay may be top of mind, don't forget that there are other financial benefits your employer may be able to address. Financial wellness programs that provide credit counseling and help workers budget and save are increasingly becoming a valuable employer benefit that prospective workers are seeking out. In fact, close to 70 percent of workers say it's their employer's responsibility to help them become financially healthy and secure, according to a 2021 survey by the Employee Benefit Research Institute.  

If you have student loan debt or are considering going back to school, remember that a lesser-known provision in the CARES Act temporarily allows employers to provide up to $5,250 in tax-exempt student loan repayment contributions or tuition assistance each year, through the end of 2025. "With four full years remaining, it's the perfect time for employees to be proactive by asking if their employers are aware of their ability to offer this financial wellness benefit and whether they are willing to do so," says Patricia Roberts, financial aid expert and author of Route 529.   

In summary, 2022 poses some unique financial challenges and opportunities led by the likelihood of inflation and rising interest rates. They're worth considering, as we aim to manage our money well and achieve our short and long-term goals. If you've yet to knock down high-interest credit card debt, start there, then focus on bulking up your emergency fund. Rising mortgage rates may fuel more anxiety in the housing market, but prospective homeowners should have a long-term view and consider all their expenses. Finally, if you're hoping to make more money or get some financial assistance, don't forget: talking to your employer may be a great place to start. 

---

Source

https://smartfrenu.costa.my.id/

.

Best High-Tech Ski Gear for 2022

Best High-Tech Ski Gear for 2022

Few sports have cooler gadgets and tech than skiing and snowboarding. And there's such a wide range of equipment as well. A lot of it can enhance your experience or make recovery quicker and more efficient. The best skiing and snowboarding gadgets can make you feel like James Bond, bombing down the slopes as you're (not) being chased by your nemesis's henchmen. To help you spend more time bombing down slopes, we've collected the best high-tech ski gear on the market right now and compiled it for you below. From action cameras like a GoPro to new goggles and more, there's something for everyone.

Much of the gear here is battery-powered, including the top GoPros and other action games, as well as some ski-friendly earbuds and helmet speakers. But not everything has a power component to it. In some cases, I've included items with high-tech materials, cutting-edge designs or basic protection for iPhones and Android devices. There are also several helmets and ski goggles in the mix.

I'll add more top ski gear products to this list as I find them.

Josh Goldman/CNET

At the moment, the GoPro Hero10 is the best single-lens action camera you can get from GoPro. It's not a big upgrade over the GoProHero 9, which is available for a little less, but it has a new GP2 chip that allows high resolutions at higher frame rates -- up to 5.3K (5,312 x2,988 pixels) at 30 or 60 frames per second. It also has HyperSmooth 4.0, GoPro's highest level of image stabilization.

As with the Hero 9 Black, pricing is a little confusing for the Hero 10 Black. The camera is $550, which is more costly than the Hero 9's starting price. However, if you buy directly from GoPro.com and sign up for the GoPro subscription service -- which is included with the camera -- GoPro knocks $200 off, so it's $350 (a year of the service, which costs $50 a year or $5 a month, is included for free).

The subscription service gives you unlimited cloud backups at original quality, damaged camera replacement, discounts on GoPro accessories and gear and access to GoPro's premium live streaming platform.

Read our GoPro Hero 10 Black review.

David Carnoy/CNET

360 cams capture everything in a sphere around the camera, then later you can decide what you want to show -- and exactly how it's shown. For this type of camera, a lot of people like the GoPro Max, which is selling for around $430, but Insta360's One X2 is also impressive and some people prefer it to the GoPro.

Insta360 sells the newer and more affordable Go 2 ($300) and the earlier One R. The Snow Bundle includes a variety of mounts and accessories, everything from a chest mount to GoPro-style helmet mounts along with a pole mount. 

We have a couple of videos to give you an idea of the kind of footage Insta360 cams can produce. Former CNET Senior Video Producer Nic Henry reviewed both the Go 2 (you can find the video here) and the One X2 (you can find that video here).

Read more: Insta360 Go 2 hands-on

Joshua Goldman/CNET

We could have put the GoPro Hero 9 Black on this list. It costs $50 less than the Hero 10 Black, but the truth is, if you're considering the Hero 9, you might as well get the Hero 10. However, If you can do without that top-end resolution and front-facing screen, the older Hero 8 offers a decent amount of savings and remains a good choice. It still does 4K video at 60 fps, so it's no slouch and has come down from its original list price of $350 (it's now around $280). It was a CNET Editors' Choice Award winner two years ago.

Read more: Best action cams

David Carnoy/CNET

The Aleck 006 earpieces slip into your helmet and can be used as wireless headphones for listening to music or as a headset for making calls. They offer decent sound but what makes them even more useful is if you link multiple Aleck 006 together and set up what amounts to a walkie-talkie system among friends or family members.

With real-time GPS tracking in the Aleck Go app for iOS and Android, you can also map the location of everyone in your party.

David Carnoy/CNET

Helly Hansen's flagship $750 Elevation Infinity 2.0 technical shell jacket features the company's LIFA Infinity Pro technology, its new waterproof, windproof yet breathable material that it says is the "first to-market to be made entirely without added chemicals." Typically, waterproof jackets are chemically treated, but Helly Hansen says the Infinity's "everlasting water-repellent protection never needs to be reproofed with chemical treatment after use."

For a shell jacket it offers good flexibility and doesn't feel stiff. While it has a three-layer fabric construction and offers some warmth, it's not insulated so in very cold conditions you'd need to wear another jacket underneath it, like the Odin Lifaloft Hybrid ($400).

The Elevation Infinity 2.0 is available at Backcountry and comes in black, gray fog and orange (pictured) and, like other premium Helly ski jackets, also features its Life Pocket Plus, which uses Aerogel insulation to help keep your phone from getting too cold, thus preserving its battery.

David Carnoy/CNET

Helmets with integrated lens shields or goggles have become popular in Europe in recent years, and Giro makes one of the best ones with its Orbit helmet that also comes in a version for women called the Aria (it looks very similar but has different colored trim elements). While these types of helmets tend to be expensive, they're good for people who wear glasses or just like the convenience of eye protection integrated into a helmet design -- you can rotate the articulating "shield" up onto the helmet or tilt it down over your face. It's also worth noting that the large Vivid lens (with optics by Zeiss) provides a very wide field of view. 

Unlike some shields that have an open design at the bottom, this one has a foam liner and is designed to sit on your face like goggles, though the seal isn't quite as tight as a typical pair of goggles. There's good ventilation and the helmet is very comfortable to wear, with a Polartec "Power Grid" padded lining that helps with moisture management. Like many of Giro's helmets, this one also incorporates the company's custom Spherical MIPS (Multi-directional Impact Protection) technology. 

The included lens shield is designed to work well in a variety of conditions (it is replaceable for $125). It does a very good job staying fog-free on nonstorm days, but I can't guarantee that it won't fog at times on big snow days, which can be challenging for most goggles (particularly if you wear glasses or prescription lens inserts with your goggles). That said, it's an excellent helmet overall.

David Carnoy/CNET

The Marauder Elite is Spy's latest and greatest model of goggles that features 60% more venting over the similarly styled Spy Ace goggles (another highly vented model). That makes it "nearly impossible to fog," according to the company. They didn't fog on me during my limited testing, but I still need to put them through a wider variety of conditions to confirm that.

The goggles' lenses adhere magnetically and can be easily swapped out (two lenses are included). These are over-the-glasses, or OTG-type, that are suitable for use with RX eyeglasses and have subtle notches in the temples to allow your glasses to fit better. Like Spy's other premium goggles, these feature the company's Happy lens tech, which it says is "scientifically tuned to boost mood and alertness while optimizing color and contrast."

They're a nice pair of goggles and although they're expensive, Spy has been having trouble keeping them in stock.

David Carnoy/CNET

When your phone gets too cold its battery drains faster, and if it's really cold, it might shut off. That's where the Phoozy comes in.

A simple sleeve or "capsule" for smartphones, the Phoozy has a Chromium Thermal Barrier Shell and SpaceTech Penetration Layer, as well as a bit of velcro to keep it closed at the top. That will help keep your phone warm on extra cold days and help preserve battery life. It will also keep your phone from overheating.

Phoozy pouches now come in a few different versions and sizes and start at $30. Just make sure to get one that's big enough to hold your phone.

Atomic

Atomic's new Redster CTD helmet is pricey but has some cool features that may someday find their way into more helmets. Inspired by Atomic's pro racing helmets, this model has sensors that assess any damage after the helmet takes a hit. You get a report on your helmet's condition via the Atomic Shocksense app for iOS and Android. Also, if you slam into something hard enough and the helmet takes heavy damage, it will automatically send SOS alerts out to your emergency contacts. 

As far as protection goes, it's serious. Atomic says the Redster CTD's Atomic Multi-directional Impact Deflector (AMID) dual-density foam system absorbs shock from all angles to deliver 30% higher impact protection than International Ski Federation standards require. It's available in black, red and white.

David Carnoy/CNET

These glove liners are equipped with Seirus' Kinetic heat return system that it says amplifies your body heat 4 to 5 degrees and reflects it back to you for 20% more warmth. Of course, how warm your hands are will also depend on how warm the gloves are that go over these (they can be used as stand-alone gloves, but more for running in cold weather than skiing).

David Carnoy/CNET

After a day of shredding, your body will certainly appreciate a little percussion massage gun action. There are plenty of options available but we like the travel-friendly Theragun Mini because it won't weigh your luggage down too much and is a great little massage gun for $199 that's surprisingly powerful for its size.

Like the other new Theragun models, the Mini is equipped with Quiet Force technology that allows the device to run just as powerfully but much more quietly than the previous generation of Theraguns. The Theragun Mini has three speed settings, ranging from 1,750 rpm to 2,400 rpm, and the battery lasts for 150 minutes of continuous use. 

The one notable downside to the Theragun Mini is that it only comes with one attachment, the standard ball head. You could buy other Theragun attachments a la carte because the Mini is compatible with all the same attachments that come with other models, but that brings the price up.

Florian Breitenberger

Private lessons have gotten really expensive, so why not get a virtual one?

Carv is a digital ski coach that combines some hardware that you attach to your boots with an iOS app (Android coming soon) that delivers real-time feedback about how you're skiing.

I'm still waiting to try this out but have had friends use it and really like it. The software was updated to version 2.0 with some small hardware enhancements, including a more compact battery with the same battery life.

For better or worse (probably worse), Carv has moved toward a subscription model that makes the hardware less expensive (the original kit is now $149 instead of $349), but requires you to purchase an add-on subscription for $199 a year or $298 for a two-year plan. That's still a lot less than what a single full-day private lesson would cost you at most resorts -- at least in the US.

Sarah Tew/CNET

If you don't want to pay upward of $200 for a set of Smith I/O goggles, there are plenty of more affordable alternatives, including those from Colorado-based Glade, which prides itself on making goggles that offer similar or better performance than high-end models from other companies for a lot less.

The big deal is its Adapt goggles include a Photochromic Flux lens for $129. This is a lens that changes colors according to the lighting conditions you experience. In other words, it's the chameleon of lenses, and typically photochromatic goggles cost a lot more.

Sarah Tew/CNET

The Smith 4D MAG googles are the company's current top-of-the-line model and have seen a price increase from $280 to $320. They feature a wider field of view (25% wider than the I/O Mag, according to Smith) and a 5x antifog inner lens with AirEvac Integration Technology that helps reduce fogging. Changing the lenses is easy with the MAG system. Two levers release the lens, which adheres magnetically to the goggles. One low-light and one bright-light lens are included.

Sarah Tew/CNET

If you wear glasses, the $270 I/O MAG XL goggles are a good choice, albeit a fairly expensive one.

The MAG XL is Smith's MAG lens change system featuring -- you guessed it -- magnets that let you easily swap out lenses, as well as a 5x antifog inner lens with AirEvac Integration Technology that helps reduce fogging. They come with two lenses.

The Smith I/O MAG XL goggles come in several different ChromoPop lens colors.

Sarah Tew/CNET

Seirus' flagship HeatTouch Hellfire gloves are available for $450 for men or women. The gloves haven't changed for a few years, but the battery was upgraded last year to a more slimmed-down version with increased battery life.

At the low-heat setting you can get up to 12 hours of battery life, with medium pegged at around 8 hours and high at 4 hours.

It's also available in a mitten for $450.

Sarah Tew/CNET

In the past, I've highlighted Smith's Vantage helmet, which has a visor. The Code is more oriented toward snowboarders and free riders, but a lot of mainstream skiers like its streamlined look.

Smith didn't change anything in this year's model from last year's -- except for the color options. It packs in most of Smith's latest technologies. On the inside, instead of hard foam you'll find Koroyd inserts that, from the top, look like a honeycomb with circular (not hexagonal) cylinders. The high-tech material is made of lightweight, eco-friendly polymer extruded tubes that are thermally welded together to form a strong layer of protection that also allows for good airflow. (Smith has added other materials and design elements to the helmet and is calling the whole protection package Aerocore construction.)

Beyond the fancy padding, there's the BOA FS360 fit system (with a 360-degree halo design), which helps you get a snug, "custom" fit. And new this year: a Wayfinder strap system featuring Fidlock that's basically a quick-release magnetic system that makes it easier to open and close the strap.

The helmet only comes in a MIPS version, which offers increased protection. In a MIPS Brain Protection System, the shell and liner are separated by a low-friction layer that "allows the helmet to slide relative to the head."

David Carnoy/CNET

Giro says the "modern profile" of its Jackson helmet, which comes in multiple color options, utilizes the new Passive Aggressive Venting system that's "inspired by the aerodynamic airflow of high-end autos." Well, it's a good looking helmet and also pretty lightweight and comfortable while offering MIPS (Multi-directional Impact Protection) technology. 

It doesn't have the company's upgraded Spherical MIPS technology found in its Emerge helmet ($150), this model has Giro's Form 2 Fit system that allows you to dial in the fit of the helmet (it's similar to Smith's dial-in fit), which allowed me to get a more snug fit. The Emerge uses the company's Stash Fit system that allows you to remove or add layers of padding to customize your fit.

Both the Emerge and the Jackson are designed for maximum compatibility with Giro goggles but they work just fine with other goggles. 

David Carnoy/CNET

Giro makes a couple of goggles in the $150 range, including the Method and Article. It describes the Method as having a "bold retro style" that's been advanced with "the most modern technology." It's a comfortable goggle with a wide field of view and good venting that helps keep the goggles fog-free in most conditions (I haven't met a goggle that's truly fog-free in all conditions).

Like the more rounded Article goggles ($170), the Method uses Giro's Vivid lens with optics by Zeiss and a second lens is included. The Method is available in a few different color options. 

Beringia

If you're looking for the ultimate Merino wool base layers, these tops and bottoms from Beringia may just be it. Diomede is Beringia's proprietary fabric "that seamlessly knits multiple layers of fabric into one ultrastretchy waffle." Real-world translation: The fabric is thin, lightweight and comfortable but also warm. The only downside is that tops ($150) and bottoms ($175) are quite expensive and there's no deal if you buy both together, although you can get 15% off with your first purchase.

Beringia Diomede base layers are available in a few color options and three sizes, as well as women's versions. The top also comes with a snorkel hoodie for $25 more. 

David Carnoy/CNET

Constructed from Grilamid, a lightweight but very durable frame material, the Spy Helm Tech sunglasses are a modern take on glacier sunglasses that includes removable side shields so you can block both the sun and all the "haters" at the same time, according to the company (they turn into standard wayfarer sunglasses without the side shields).

The sunglasses have hidden sweat channels in both the nose pads and inner temples for breathability and feature the company's Happy Tech lens tech that it says is "scientifically tuned to boost mood and alertness while enhancing color and contrast."

True or not, I will say they fit comfortably, the optics were very good and I was indeed happy using them.

David Carnoy/CNET

Most new phones, including the iPhone 13 models, offer a decent level of water resistance. But if you want some added protection, Lifeproof still sells its waterproof and shockproof Fre case -- and the latest version is built for MagSafe accessories. 

The Fre case is also available for some Samsung Galaxy models but that version doesn't feature MagSafe, a feature that adds $10 to the case.

David Carnoy/CNET

You don't want your phone to go dead on the mountain, so it's always good to pack a battery pack.

MyCharge calls its new line of magnetic power banks Superhero Mag-Lock, implying that they're real saviors. I was impressed by their design. Not only do the batteries, which come in various capacities, have strong magnets and stick really well to the back of your iPhone 12 or 13, but they have raised coils, which are supposed to help with reducing heat levels while charging. It does seem to work.

The 3,000-mAh battery is lightweight and slim and is nice to have around for some emergency charging. However, it won't get you a full charge, so you'll probably want to step up to one of the higher-capacity options like the 6,000-mAh model that retails for $60 but is currently being discounted to $36. The 9,000-mAh version is beefy and feels like your phone is attached to a small brick (the battery and phone do fit in your hand nicely but the combo certainly isn't pocket-friendly).

All the Mag-Lock batteries charge Qi-enabled iPhones at 5W, although you can get faster charging if you go wired and use a USB-C to Lightning cable. I also liked how there's a chime when the charging starts and your phone tells you how much juice is left in the battery pack (it's tied into iOS 15). You can wirelessly charge Android devices as well, but the Mag-Lock won't stick unless you have a metal ring on the back of your phone's case. Stick-on rings are available for sale.

The MyCharge SuperHero Mag-Lock is available in a few color options and has a nice glossy finish. It currently is the best-designed magnetic power bank -- better even than Apple's.

Ibex

Ibex, which is known for its high-tech merino wool garments, describes its Wool Aire Hoodie as having "backcountry performance with frontcountry style." Available in a few colors and both men's and women's options, it's a puffy jacket that's not all that puffy but is lightweight, comfortable (it has some stretch to it) and can be used as either a midlayer on cold days or outer layer on not-so-cold days.

It's constructed of eco-friendly Bluesign-certified materials and is wind- and water-resistant. Also worth noting: It packs up into its chest pocket, which makes it travel-friendly.

David Carnoy/CNET

Bollé's Torus goggles come in a version with a standard lens for around $120 (or less), but I tried the step-up version with the company's high-contrast Volt lens, which is harder to find in stock. You get one lens with these goggles, but the Ice Blue Cat 3 lens (with a pink base tint) offers some flexibility in terms of what lighting conditions you can use it with. The goggles offer a wide field of view and good ventilation. 

Amazon

Biolite has a new line of portable batteries that offer USB-C PD fast-charging (up to 18W) along with two additional USB-A ports so you can charge a couple of phones at the same time, albeit at slower speeds. There are three sizes available -- 6,000-mAh, 10,000-mAh and 20,000-mAh -- but the 6,000-mAh version (pictured on right) is probably best for skiers because it's slim, relatively lightweight and fits easily in a pocket. To charge iPhones at 18W speeds, you'll need to bring your own USB-C-to-Lightning cable to the charging party (the latest iPhones include that cable). 

Although Biolite says its powerbanks are "durable," they don't have a water-resistance rating. That said, they should survive a drop in the snow just fine.

Sarah Tew/CNET

Zeal goggles have excellent optics and a wide field of view, and many feature the company's Rail Lock System that makes the lenses easy to change and the goggles easy to vent when you're in hiking mode.

The base models with standard lenses are pretty affordable, ranging from $129 to $159. Things get more expensive when you move to the Automatic Plus GB lens, which is photochromic and changes quickly with the lighting and works in any conditions. Add that Automatic Plus lens and the price goes up to $279.

I like the Portal XL (on right), which also starts at $249 for the standard two-lens option. It has the widest field of view and is an OTG type that allows you to wear glasses.

The Hemisphere, starting at $129, has a spherical frame with upper and lower ventilation and triple-layer face foam and is available in a variety of lens options. It doesn't have the RLS system, but the lens quality is quite good for the price.

David Carnoy/CNET

The Jaybird Vista 2 sports buds feature a similar design to the original Vista buds but have a couple of key upgrades: active noise canceling and a transparency mode called SurroundSense that allows you to hear the outside world, an important safety feature for skiers as well as runners and bikers. 

The Vista 2 buds have an IPX68 water resistance rating, which means they're both dust-proof and fully waterproof. Jaybird says they're also sweat-proof, crush-proof and drop-proof. And the compact case is now splash-proof and dust-resistant, with an IP54 rating.

They sound quite good once you tweak the EQ settings to your liking, but in sound quality they're not quite up to the level of some other premium earbuds. Their noise-canceling, transparency mode and voice calling are decent though unspectacular (the Beats Fit Pro performs better in all departments). But if you're buying these, you're buying them for the secure fit and durability.

Sarah Tew/CNET

This is Smith's goggles-sunglasses hybrid, the Wildcat ($200). Constructed with the same materials used in Smith goggles, the Wildcat glasses provide lots of eye coverage and good airflow but have the comfort of a more lightweight pair of sunglasses. The Wildcat sunglasses come with a bright-light ChromaPop lens and a secondary clear lens for flat-light overcast days and are available in three color options.

Amazon

This product comes at the recommendation of CNET editor Justin Jaffe, who lives in New England. He writes:

"As Covid surged again this winter, I've taken up alpine touring: skinning up a mountain and skiing down. The benefits are considerable -- you can often get by without a lift pass and it delivers a much more rewarding cardio workout than pure downhill skiing. This highly adjustable USWE backpack has become an essential tool for me, providing the right amount of space for gear as well as an insulated water bladder that has never once frozen up. And there is a strap and pocket for everything, from goggles to helmet to skis. Highly recommended."

Sarah Tew/CNET

You'd think that more companies would have made Bluetooth headphones that slip inside your helmet, but Outdoor Technology is one of the few that does (some Chinese companies like Outdoor Master have gotten in on the game in the last couple of years). Their appeal has waned now that true wireless earbuds have come along, but they're still available at a discounted price, around $90.

How it works is you charge up the Chips and slide them into the earflaps on your helmet (they should work with most helmets). You want to make sure that no excess padding in your helmet is covering the Chips or else they'll get muffled and you'll lose some volume; you want them as close to your ears as possible.

The Chips 2.0 have a walkie-talkie feature that allows you to communicate with friends who are also using Chips 2.0 headphones. You create a group using the ODT Walkie-Talkie app and talk over the cell network, which means the only limit on distance is whether you're getting a phone signal. Up to 99 people can be in your private group.

I thought the sound quality was decent for Bluetooth but not great. That said, it's nice to be able to stick your helmet on and have the headphones built in with no wires to worry about. Battery life is rated at 10 hours, and the Chips are sweat- and water-resistant but not waterproof.

Outdoor Technology also sells the Chips Ultra, a true-wireless version of the Chips that costs significantly more (about $163). I don't think the Ultras are worth the money.

David Carnoy/CNET

You never know when you might need to hang up some gear, which is where the Heroclip comes in. Available in a few different sizes and colors, this souped-up rotating carabiner hook clip costs around $23.

Garmin

The original Garmin inReach Mini has been one of the more popular satellite communication devices with backcountry skiers. The new inReach Mini 2 has the same compact, lightweight form factor but adds additional features, including a more energy-efficient processor that greatly improves battery life (now up to 14 days of battery life, using default 10-minute tracking, and your location is sent to your MapShare page for friends and family to view), a higher resolution display and user interface, as well as compatibility with Garmin's Explore app and some new navigation features.

Garmin says that while most users will interact via their phones or paired Garmin devices, you can still send a check-in, read incoming messages, and reply with either a pre-canned QuickText or write a custom message from the device itself. 

You do need an active satellite subscription to use the inReach Mini 2 with basic annual plans starting at $11.95 a month or $14.95 for a single month subscription. 

---

Source

Tags:

• Best High Tech Ski Gear For 2022
• Best High Tech Ski Gear For 2022 Xlt
• Best High Tech Ski Gear For 2022
• Best High Tech Ski Gear For 2022 What News
• Best High Tech Ski Gear For Women
• Best High Tech Ski Gear For Kids
• Best High Tech Ski Gear For Beginners
• Best High Tech Skin
• Best High Tech Gadgets
• Best High Tech Refrigerators
• Best High Yield Savings Account
• Best Highlighter Makeup

I bonds are they the best way to save during inflation itch i bonds are they the best way to save during inflation italy history i bonds are they the best way to save during inflation do interest i bonds are they the best way to save during inflation what happens i bonds are they the best way to save during inflationary i bonds are they a good investment i bonds what are they i bonds are all the rage why i bonds are a good investment i bonds treasurydirect i bonds interest rates today i bonds explained

I Bonds: Are They the Best Way to Save During Inflation? It Depends

I Bonds: Are They the Best Way to Save During Inflation? It Depends

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

With inflation running rampant at 9.1%, Americans are flocking toward Series I Savings Bonds, a government-issued investment that's protected against inflation. I bonds have both a fixed rate and an inflation rate that's adjusted every six months. Right now, I bonds will deliver a 9.62% annualized interest rate, which means that they'll get you higher returns than any other federally backed bank account or brokerage. 

The attractive yield has spurred Americans to open more than 1.5 million accounts since last November. Before that period, there were fewer than a million I bond accounts in total, according to Treasury data cited in The Wall Street Journal.

With widespread concern about the current economic downturn and anxiety over layoffs, many of us are considering savings strategies to add some cushion to our financial future. Depending on your needs and goals, an I bond may work best… or not. Here are my recommendations based on a few common hypothetical scenarios. 

Benefits of an I bond

In today's savings market, I bonds stand out for their top-yielding returns and relatively low risk. Because they're investments backed by the US Treasury, you're guaranteed to secure your principal at the very least, so they'll never lose value. With a potential recession ahead, I bonds can offer you some financial security. And while you do have to pay federal income tax on the gains, I bonds are exempt from state and local taxes. If the savings are used for higher education purposes, the IRS may let you skip taxes on them altogether.

When an I bond makes sense

• You're saving for a big expense in the short term: Whether your goal is to afford a wedding, a home down payment or a new car in the next few years, you can start saving now -- safely. Investing in the stock market may not be wise since it could take several years to recover from bear market losses. Instead, to ensure that inflation doesn't continue to erode the power of your cash, take advantage of accounts like I bonds with higher annual yields so that your savings won't lose value. Just remember that I bond purchases are limited to $10,000 per person each year, so if you have to set aside more than that, you can save the remainder in a high-yield account.
• You want higher returns with no risk: Let's assume that after paying your bills, saving in an emergency fund and adding to your long-term investment accounts, you have a few hundred dollars to spare each month and want to get the greatest financial return without the risk of stock market volatility. If you purchase I bonds with those savings, you'll get solid returns today without taking any chances. Later, depending on your financial goals, you can decide if it makes more sense to keep the cash in the I bonds or move it elsewhere.

Read more: Best CD Rates for 2022

Disadvantages of an I bond

I bonds do come with strings attached. For example, you must keep your cash locked up for the first year. There's also a five-year holding period during which if you take money out, you risk forfeiting the final three months of earned interest. You're also limited to buying no more than $10,000 worth of electronic I bonds per year. You can buy I bonds straight from the Treasury's website, but the process has reportedly been difficult for some. In several cases, the Treasury hasn't been able to confirm people's identities, requiring added steps and cutting through bureaucratic tape.

When an I bond doesn't make sense

• You're investing for the long term: If you want to grow your money for the future and get a higher rate of return for your long-term savings, you could invest that cash in a diversified portfolio of majority stocks and some bonds through either a workplace retirement account like a 401(k) or an Individual Retirement Account. While the S&P 500 or broader stock market is not performing as well as I bonds at the moment, stock gains have been better over previous decades. And while I bonds carry an attractive yield now because of the rate of inflation, the economy will eventually cool and so will I bond returns.
• You have income insecurity and need cash liquidity: Whether you're worried about a possible recession and possibly getting laid off or have plans to quit before finding your next role, having savings to cover a minimum few months of unemployment in the next 12 to 18 months may be vital to staying financially afloat. While a high rate of return on your cash is always ideal, the more immediate priority for someone who's worried about income security is a bank account that offers liquidity and easy access. In this case, an I bond doesn't really make sense because you wouldn't be able to touch your money for the first year. Instead, consider an account with branches or ATMs conveniently near your home or a digital bank that provides easy and quick money transfers, including a high-yield savings account.

In summary: Whether an I bond is worth it is a personal question. Earning a high rate of return is great, but it's important to consider the trade-offs that come with the 12-month holding restriction or not investing those savings for your retirement.

---

Source

Best bank account bonuses for september 2022 calendar best bank account bonuses for september 2022 holidays best bank account bonuses for september 2022 movie best bank account bonuses for september 2022 weather best bank account bonuses for october 2020 best bank account bonuses 2019 best bank account for teens best bank account interest rates best bank account bonuses best bank accounts best bank savings rates

Best Bank Account Bonuses for September 2022

---

Best Bank Account Bonuses for September 2022

With inflation on the rise, every dollar counts and banks are taking advantage of the moment by offering sizable new account bonuses to customers. If you're in the market for a new bank account, a bonus incentive can be tempting. Some banks pay big cash bonuses to attract new customers -- ranging from a few hundred dollars to $500. 

That said, a bank account bonus shouldn't be your primary reason for opening a new account. Choosing a bank account is a consequential decision for your finances and there are many factors to consider, including monthly fees and branch access. Finding the best fit will require research and consideration.

Furthermore, new account bonuses may be enticing, but you'll likely have to jump through several hoops before you actually receive the bonus. Banks generally require a direct deposit to fund the account over several months before a bonus is released. There may also be minimum balance requirements to maintain before any bonus will be paid out. New accounts could even have a monthly fee assessed that can eat into the value of the bonus incentive. Also, if you're willing to meet all the requirements just for a temporary period (in which you just receive the bonus and plan on closing the account, aka bank account churning), keep in mind that some banks will charge an early termination fee that furthers dilute the benefit of opening a new account. 

However, if you've narrowed down the choices and a bonus incentive can help you make this decision, then consider it the cherry on top. Here's our list of banks with attractive account bonuses and reasonable requirements, ranked in order of the highest bonus available.

BMO Harris

Highest bonus paid

Cash bonus: $300 or $500 for premier checking

BMO Harris has three checking accounts that come with bonuses when you first sign up. If you open a Smart Advantage account -- Harris's base checking account -- you can earn a $300 cash bonus if you receive $4,000 in qualifying direct deposits within the first 90 days. The same goes for Harris's Smart Money account, which offers more premium checking account features for $5 per month, including no overdraft fees.

If you go with Harris's Premier checking account, though, you can get a $500 cash bonus if you make $7,500 in deposits within the first 90 days. This account comes with even more perks but comes with a hefty $25 monthly fee (but that can be waived).

This offer expires Sept. 30, 2022.

Fifth Third Bank

Easiest account to qualify

Cash bonus: Checking account bonus for $375

Fifth Third Bank offers bank accounts with no monthly fees, which is great because you can get a $375 bonus if you open a checking account. With Fifth Third Bank, it's quick and easy to score this bonus (at least, compared to the hoops other banks require). All you need to do is open a new checking account and receive at least $500 in qualifying direct deposits within 90 days of opening the account. Fifth Third Bank will then deposit your bonus 10 business days later.

This offer expires Sept. 30, 2022.

TD Bank

Earn a bonus for opening both a checking and savings account

Cash bonus: $200 for checking; $300 for savings

TD Bank is the only bank on this list that offers bonuses for both its checking and savings accounts. In total, you could score a $500 bonus if you open two accounts.

You can get a $200 bonus if you open a Convenience Checking account and receive $500 or more in qualifying deposits within 60 days. This account has a $15 monthly fee, but you can waive that if you maintain a $100 minimum daily balance, or if you're a student or young adult ages 17 to 23. With TD Beyond Checking -- which has a $25 fee that can be waived -- you can earn a $300 bonus if you receive $2,500 in deposits within 60 days of opening this account. 

And with either TD Beyond Savings ($15 monthly fee) or TD Simple Savings ($5 monthly fee), you can get a $200 bonus after you deposit $20,000 or more within 20 days and maintain that balance for 90 days thereafter.

This offer expires Oct. 31, 2022.

SoFi

A wide range of bonuses

Cash bonus: $50 to $300 for checking

SoFi (short for "Social Finance") is an online bank that offers a range of bonuses. To qualify, you must open a checking account and receive a direct deposit from your employer, payroll or benefits provider. How much you earn depends on the amount deposited within 30 days:

• $1,000 to $1,999 in direct deposit: $50 cash bonus

• $2,000 to 4,999 in direct deposit: $100 cash bonus

• $5,000 or more in direct deposit: $300 cash bonus

This offer ends Sept. 30, 2022.

Chase

Flexible deposit amounts

Cash bonus: $200 for checking

Chase is a national bank that has branches in just about every state in the country. Though its certificates of deposit and savings accounts aren't particularly attractive in the market today, Chase is offering a good bonus deal for opening a new checking account. You can get $200 when you open an account and receive a deposit of any amount within 90 days from your employer, a pension or a government benefit (including Social Security). The only catch is that you must keep the account open for more than six months to keep the bonus.

This offer expires Oct. 19, 2022.

M&T Bank

A solid bonus that might take a while to collect

Cash bonus: $200 for checking

M&T Bank also offers a bonus for opening a new checking account -- but it could take a long time to get it. This bank requires you to open a checking account and receive $500 in qualifying direct deposits within the first 90 days. But you need to wait up to 90 additional days to receive the bonus. In total, that could be half a year before you get your money. The upside is that M&T Bank offers a base checking account without pesky monthly maintenance fees. 

This offer expires Sept. 30, 2022.

Best Bank Account Bonuses

Bank	Bonus offer	Required deposits
BMO Harris	$300 to $500	$4,000 to $7,500
Fifth Third Bank	$375	$500
TD Bank	$200 to $300	$500 to $20,000
SoFi	$50 to $300	$1,000 to $5,000
Chase	$200	None
M&T Bank	$200	$500

FAQs

Are there other banks with new account bonuses?

Yes. Our list here is by no means exhaustive, and we based our picks on the bonus amount and its accessibility. Some banks didn't make this list because the bonus amount was too low or too cumbersome to obtain. 

For example, Aspiration -- a FinTech company, not a bank -- offers a $200 bonus for opening an account, but you have to spend $1,000 or more within 60 days. Likewise, Alliant Credit Union offers a $100 bonus for opening an account, but you have to wait a year before receiving the bonus.

But there are other banks you may consider, too, depending on your particular situation. If you want to have a checking, savings and a line of credit all under one roof, you'll want to check out banks that offer all three of these products.

Are account bonuses worthwhile?

If you're already shopping around for a new checking or savings account, taking a look at bonus offers isn't a bad idea, as it can help you earn some extra cash. But you'll want to mind the monthly fees associated with any account you're investigating. 

Those monthly fees can wipe out your gains, too: If you get a $200 bonus for an account that charges a $25 monthly fee but aren't able to waive the fee, you'll wipe out your bonus gains in eight months.

Moreover, a bonus offer shouldn't override accounts with better perks. For example, in the long run, it might be better to go with a savings account with a high annual percentage yield and a lower bonus than one with a low APY and higher bonus, especially as there are stark differences in the market right now.

What factors should you consider when choosing a new bank?

As you begin your search, ask yourself the following questions:

• Will I be more comfortable with the option to speak with someone in person?
• Are there reasons for me to visit a branch in person or can I handle my transactions online?
• How important is having the latest technological innovations available in a bank?
• How much do I travel and what type of banking tools do I need to access when I'm traveling?
• How can a financial institution best help me reach both my near- and longer-term financial goals?

Answering the above questions should help you narrow the choice of whether a traditional bank, a fintech app, or something in between could be the best financial fit overall. Once you have your short list, the next step is to compare the services each institution offers and make note of the fees you may be charged. Services to look for include:

• Free checking account
• Savings accounts, money market accounts, and/or certificates of deposit
• Ability to interface with peer-to-peer transaction services such as Zelle
• Overdraft protection
• Loan products
• Wealth management and/or professional advisory services

What's better, a bank with a high APY or a bank with an account bonus?

Generally, in the long run, it's better to go with a higher APY than a higher bonus. Especially as interest rates rise for savings accounts and certificates of deposit, there are some good high-yield offers out there right now, and they are continuously trending upwards these days. Ideally, you want to combine a stellar bonus offer with a high APY (anything above 1% is considered robust). SoFi, for example, is offering a bonus of up to $300 and offers a checking and savings account at 2.00% APY once you set up a direct deposit account.

Should I sign up for checking and savings accounts with multiple banks to earn bonuses?

You can, but it's not a strategy we recommend for earning passive income. Criteria for obtaining a bonus can be cumbersome, requiring you to keep the account open for a certain length of time, make qualifying direct deposits (sometimes in the thousands) and maintain daily balance amounts, not to mention the monthly maintenance fees associated with many checking and savings accounts.

Also, some banks will disqualify you from a bonus offer if you've reached a negative balance in the past. So, that's something else you want to keep an eye on. Chase disqualifies customers from bonus offers if they've reached a negative balance within the last three years. 

If you do decide to try your luck scoring welcome bonuses by opening multiple accounts, it's important to know that you'll owe taxes on any money earned through these signup bonuses. 

You should consider a bank account bonus as an extra perk for signing up with a bank, but it's probably not a good idea to go bonus hunting.

---

Source