DJI Phantom 3

Adobe Tool Makes it Easier to Post Videos to Instagram, Facebook, Twitter


Adobe Tool Makes it Easier to Post Videos to Instagram, Facebook, Twitter

Adobe's Creative Cloud Express tool , originally geared for people who want to create punchy videos for social media, now is good for posting those videos, too.

A Tuesday update to Creative Cloud Express adds a feature called Content Scheduler that allows influencers, small businesses and others who want to post graphics and videos to Instagram, Twitter and Facebook in one single action. The tool, available only through the Creative Cloud Express web app for now, also lets you preview posts and schedule them to publish in the future.

The tool handles some of the more complicated aspects of social media publishing, such as character-count limits and autocompleting usernames. It's available as a free tool, but a $10 per month subscription adds more fonts, templates, online storage, editing tools and stock photos.

Adobe has profited handsomely from its shift from licensing individual versions of software packages such as Photoshop and Lightroom to its Creative Cloud subscriptions. Free versions of some of its tools, like Lightroom and Creative Cloud Express, can lure people into subscription plans.

Creative Cloud Express is geared for an era when publicity no longer means just buying advertisements, said Scott Belsky, Adobe's chief product officer for Creative Cloud.

"Marketing budgets are being shifted from print and traditional TV into social media quickly," Belsky said.


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Facebook-owned WhatsApp extends message deletion time


Facebook-owned WhatsApp extends message deletion time

Facebook-owned WhatsApp is changing the amount of time you have to delete messages you've sent for all recipients. According to WABetaInfo, since the release of WhatsApp beta for Android 2.18.69, the messaging app allows users 2¹² seconds (4,096 seconds, which is 68 minutes, 16 seconds) to take back a message you didn't want to send. It replaces it with a "this was deleted" message. The feature has since been added to the iOS and Windows Phone apps via updates.

First released last October, the "delete for everyone" feature used to allow you only 7 minutes to delete a message. The app had a flaw though, allowing people with modified versions of the app from third-party sites to delete messages as far back as three years.

This has been fixed as well, and when a revoke request comes in, it will make sure the message was sent within 24 hours. This time limit was decided in case the recipient of the message that is being deleted didn't have their phone on. If they don't turn their phone on in 24 hours, the message will not be deleted.


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2020 Honda CR-V Hybrid earns Top Safety Pick from IIHS


2020 Honda CR-V Hybrid earns Top Safety Pick from IIHS

Honda wants a piece of families' hearts -- and driveways -- with its updated 2020 CR-V. Notably this year, the Japanese automaker will sell customers a CR-V Hybrid that returns pretty great fuel economy, even if the Toyota RAV4 Hybrid one-ups it.

But Honda can load up with yet more marketing ammo after the Insurance Institute for Highway Safety named the CR-V Hybrid a Top Safety Pick on Tuesday. The hybrid model's rating mirrors the standard CR-V.

The award means the 2020 CR-V Hybrid met the IIHS' updated and more challenging criteria to earn the award this year. Now the IIHS mandates winners must earn a Good rating in all six crash tests, score top marks in frontal-crash protection (vehicle-to-vehicle and vehicle-to-pedestrian) and offer Acceptable- or Good-rated headlights. The big changes are in the crash-test portion of the safety exam. Previously, winners could skirt by with an Acceptable rating in one crash test, specifically, the passenger-side small overlap test. The criteria for a Top Safety Pick Plus award is even more challenging this year.

The CR-V Hybrid aced each portion and squeezed by with Acceptable-rated headlights. They're standard on every single trim, while the standard CR-V's Touring trim offers Good-rated headlights. Other more affordable CR-V trims only scored a Marginal mark for their headlights, however. As is often the case, the safety award is not a blanket accolade.

Prices for the CR-V Hybrid start at $28,870 after a destination charge. It's slightly cheaper than the most affordable RAV4 Hybrid, but the Honda manages to return 38 mpg combined compared to the Toyota's 40 mpg combined estimate.


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Amazon Prime Day camera and accessory deals: GoPro, Sony, DJI, Lowepro and more


Amazon Prime Day camera and accessory deals: GoPro, Sony, DJI, Lowepro and more

This story is part of Amazon Prime Day, CNET's guide to everything you need to know and how to find the best deals.

Amazon Prime Day means some excellent camera and accessory deals if you're a photography enthusiast or aspire to become one. Even in 2021, there are plenty of times it's worth trying something besides your smartphone for capturing memories and getting creative.

There are a lot of discounts in the photography section for Prime Day, but we've pored over the options for the best deals and gear.

Joshua Goldman/CNET

When you spot an action camera attached to a surfboard, ski helmet or mountain bike handlebars, chances are it's made by GoPro, the company that pioneered the market for these small, rugged video cameras. The GoPro Hero 8 Black 4K camera arrived in 2019 and won a CNET Editors' Choice for its value and all-important image stabilization. This GoPro bundle is 26% off and its accessories -- a tripod, head strap, extra battery and a 32GB memory card -- are useful. The batteries are from GoPro, not a third-party manufacturer. The newer top-end GoPro Hero 9 adds some improvements, but the Hero 8 remains a solid, more affordable choice.

DJI

Gimbal mounts use pivots to keep cameras steady -- or in the case of the DJI OM 4, your smartphone. It's 20% off for Prime Day. This is handy for shooting video when you're walking. This model has a built-in battery for 15 hours of use and a magnetic mounting system that lets you easily attach and detach your phone. And motorized Dynamic Zoom and Spin Shot add little cinematographic effects to your video.

Amazon

Rokinon lenses aren't generally as good as higher-end models from better known Japanese camera companies, but they're a lot cheaper. At 48% off, this 14mm Rokinon ultrawide lens for Canon EF and EF-S mount cameras (those full-frame and smaller APS-C sensors, respectively) is an affordable way to try out a new perspective on your photography. It has a 115.7-degree field of view on full-frame cameras and 89.9 degrees on APS-C, and some weather sealing to handle rougher conditions.

Amazon

Lowepro has been making camera backpacks for decades. The Truckee BP 250 LX is designed for tourists, hikers, street photographers out for a day in the city, and anyone else who has to carry a modest amount of camera equipment. It'll accommodate an SLR and three midsized lenses in the bottom padded compartment, a 15-inch laptop in an inside zippered sleeve, a water bottle and tripod in side pockets, and lunch and a rain jacket in the top.


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The Best Netflix Documentaries You Absolutely Need to Watch


The Best Netflix Documentaries You Absolutely Need to Watch

Netflix has the best documentaries in the business. Hands down. It might be the best part of the service. But the choice is almost overwhelming. That's why we've made this list: our picks for the best documentaries on Netflix.

Here's how we're breaking things down. We're starting with the latest and best up top, then the rest listed by genre. 

Good luck and happy watching!

The Best Documentaries on Netflix

Netflix

Trainwreck: Woodstock '99

Following in the very promising footsteps of Netflix documentaries being leaner, tighter and... better, Trainwreck: Woodstock '99 is a truly horrifying look at what really went on at the notorious Woodstock '99 festival. Quick content warning: Expect to see some truly grotesque discussion of human behavior including rape, looting and arson. This is a truly terrifying watch.

Netflix

Untold (2021)

Untold is the latest from the folks behind Wild Wild Country.

It's a sports documentary series, with each episode going in-depth on controversial sports topics. The first episode focuses on Malice at the Palace, the notorious basketball match where Ron Artest waded into the crowd and wailed on fans back in 2004.

Untold is now in its second season and it is absolute must watch stuff. The new episodes are arguably better than the stellar first season. Maybe the best sports documentary series on Netflix

Netflix

The Most Hated Man on the Internet

Netflix has been on fire with its documentaries lately, and The Most Hated Man on the Internet is the latest. From the producers of Tinder Swindler and Dont F**k with Cats, it's a three-part documentary that tells the story of Hunter Moore, one of the most notorious purveyors of "revenge porn." Definitely worth watching this one. 

Netflix

The Girl in the Picture

The Girl in the Picture is the latest true crime documentary from Netflix. It's up there with the service's absolute best work.

It feels like, after a period of needlessly bloated multiepisode documentaries, Netflix has started trimming the fat, releasing lean, incredibly compelling documentaries again. First Keep Sweet: Pray and Obey and Our Father, now this.

The Girl in the Picture tells the story of a young girl, murdered at age 20. To say too much would spoil the impact, but this is a layered, brutal documentary with endless twists. It needs to be seen to be believed.

Netflix

Keep Sweet: Pray and Obey

There are a lot of Netflix documentaries about cults gone mad, but Keep Sweet: Pray and Obey might be the most disturbing of the lot. Unlike Murder Among the Mormons, which almost treated its topic like a screwball comedy, Keep Sweet is a very grim story about a grim human being in Warren Jeffs. It's a fantastic documentary, and among the best Netflix has produced, but it comes with a very hefty content warning.

Netflix

Our Father

As good as Netflix documentaries are, there's been a tendency to drag out true crime into these bloated multiepisode series. Thankfully Our Father is the opposite of that. It's a lean, perfectly executed documentary focused on Donald Cline, an Indiana fertility doctor who used his own sperm to inseminate a ridiculous number of women against their will.

This is an incredible piece, one of those stories that just escalates and escalates to the point where your jaw drops in disbelief. 

Netflix

The Staircase (2018)

The true crime documentary genre is utterly saturated at this point, but The Staircase stands out. 

Focusing on Michael Peterson and the death of his wife Kathleen, The Staircase is more than just a murder mystery. It's a drawn-out epic that takes place over literal decades, a documentary that follows Peterson and examines his every move, but somehow still remains objective. 

It's a good time to watch or revisit this one, since HBO Max has just launched a drama miniseries based on it.

Netflix

Formula 1: Drive to Survive

The absolute gold standard for long-running sports documentaries. Drive to Survive is so good, and so popular, that it's inspired a whole new level of interest in Formula 1, especially in the US. This show is great at elevating the characters that occupy the sport. More shows like this, please.

Netflix

Icarus (2017)

This Oscar-winning documentary is an absolute belter. 

Icarus starts out as an expose on the impact performance-enhancing drugs have on sports performance, but a sequence of events drags director Bryan Fogel into a web of geopolitics and conspiracies. To say more would spoil it, but Fogel ultimately has created a documentary that had a very real impact on our perception of sports as a whole. In that respect, Icarus is a literal game changer.

Netflix

Who Killed Little Gregory (2019)

Who Killed Little Gregory is a documentary focused on the horrific murder of GrĂ©gory Villemin. It's arguably the best true crime documentary on Netflix. It's about a murder, and attempts to solve that murder, but it's also a lesson in media representation and the horrific sexism GrĂ©gory's mother had to face in the wake of her son's murder. 

Netflix

The Last Dance (2020)

In 2020, in the midst of a pandemic, Netflix dropped this piece of sports doc perfection. 

The Last Dance focuses on the Chicago Bulls during their '97-'98 NBA title-winning season, but really it's a jumping off point for a documentary that tells the life story of its central star, Michael Jordan. 

As a result, many criticized it for being a little too Jordan-focused, but The Last Dance was an event documentary that lived up to the hype. 

True crime

Netflix

The Keepers (2017)

I've watched plenty of true crime documentaries on Netflix, but nothing has come close to The Keepers. A staggering story, told across generations, that's respectful of the victims, yet compelling throughout.

It's a story about the unsolved murder of Catherine Cesnik, a nun who taught at a Catholic school in Baltimore, but The Keepers goes further than you might expect and exposes a potential coverup of sex abuse allegations.

Michael Putland/Getty Images

Jimmy Savile: A British Horror Story

It's almost impossible to overstate how famous Jimmy Savile was in the UK -- particularly in the 1980s. He was beyond a household name, in many ways he felt like an eccentric uncle to the nation.

Which made revelations that he had sexually assaulted hundreds of underage girls and boys all the more horrific. This was a person the whole of Britain had invited into their homes. 

Jimmy Savile: A British Horror Story does a great job of going through the archives, combining footage that is utterly bizarre in hindsight, and adding fantastic interviews with some of the major players in British TV during Savile's heyday. A fascinating, albeit disturbing documentary. Be warned: This is a difficult watch. 

Netflix

The Tinder Swindler (2022)

A documentary focused on Shimon Hayut, aka the "Tinder Swindler," a conman who used dating apps to defraud multiple women across Europe to fund a lavish lifestyle.

A slightly different topic compared to most true crime documentaries on Netflix. Definitely worth a gander.

Netflix

House of Secrets: The Burari Deaths (2021)

One of the more recent true crime documentaries from Netflix, this is a good one.

Focusing on the bizarre deaths of 11 family members in one house in Burari, Delhi, India in 2018, House of Secrets delves into the theories behind of the strangest suicide/murder cases in recent memory. Unmissable stuff. 

Netflix

This Is a Robbery (2021)

This Is a Robbery is about Netflix as it gets. A four-part series focusing on the Isabella Stewart Gardner Museum in Boston, this is essentially a documentary about an art heist. Remember Evil Genius? (Which is also on this list.) This Is a Robbery is very much in that style. The first episode takes a while to get going, but be patient -- this one has a payoff.

Netflix

Murder Among the Mormons (2021)

Some of Netflix's more recent true crime documentaries have been a bit bloated and... sorta bad?

Thankfully Murder Among the Mormons is a return to form. Definitely watch this one. 

Netflix

American Murder: The Family Next Door (2020)

There are a lot of true crime documentaries out there (and on this list) but American Murder: The Family Next Door sticks out. 

It tells the story of Chris Watts, a seemingly regular guy who murdered his wife and children. The access to footage is staggering and it's edited and produced in a unique way, using text messages and social media posts to tell the story. It's a horrific reminder of the banal, incredibly common existence of domestic violence.

Netflix

Making a Murderer (2015-2018)

With the swath of true crime documentaries and podcasts that came in its wake, it's easy to forget that the world once lost its collective mind over Making a Murderer. In a lot of ways it created the template that many Netflix documentaries now follow. A real original.

Sports 

Netflix

Athlete A (2020)

Athlete A is a great feature length expose on Larry Nassar, the team doctor of USA Gymnastics, who had been sexually abusing female athletes for decades.

Be warned: This one is harrowing.

Netflix

14 Peaks (2021)

14 Peaks tells the story of the Nepalese mountaineer Nimsdai Purja and his goal of climbing all 14 mountains above the height of 8,000 meters (26,000 feet) in one year. It's incredible. Must-watch stuff.

Netflix

Bad Sport (2021)

Netflix might have burned the true crime documentary into the ground, but it's on fire when it comes to sports. Bad Sport is the latest entry into this burgeoning subcategory, and it's awesome. Focusing on strange controversies in sports history, Bad Sport is less about major players doing major things, it's about what happens when sport goes bad, gets down in the dirt. All of these episodes are great. Hoping for a season 2. 

Netflix

The River Runner (2021)

The River Runner is sorta like Free Solo for kayaking. Consider that a compliment.

Focusing on Scott Lindgren, a kayaking legend who was a pioneer of the sport, this is a traditional story of an extreme sports star overcoming odds, but it runs a little deeper than that. Fighting against a brain tumor and his own personal demons, Lindgren is a compelling case study. Must watch stuff.

Netflix

Naomi Osaka (2021)

Naomi Osaka has become one of the most famous and talked-about athletes on the planet. This fascinating documentary explores different phases of her career and offers incredible access into the life of a young woman struggling with the pressures of sport and fame. A must-watch.

Netflix

The Speed Cubers (2020)

If you're looking for a slightly more uplifting documentary, you could do far worse than The Speed Cubers, a look at the world of competitive... Rubik's Cubers? It's short, but packs an incredible emotional punch. Prepare yourself, this one might break you.

Nature/science

Netflix

Seaspiracy (2021)

Seaspiracy follows in the footsteps of multiple documentaries focused on the impact of meat eating on the environment. This time the global fishing industry is in the crosshairs. As expected this one has stirred up a bit of controversy from all stakeholders -- PETA, Greenpeace and conservation groups can't seem to agree if Seaspiracy is accurate or fair. Watch it and make up your own mind.

Netflix

My Octopus Teacher (2020)

My Octopus Teacher follows Craig Foster, a filmmaker who spent a year snorkeling and interacting with an octopus off the coast of South Africa. It's a nature film, sure, but it's simultaneously a documentary designed to inspire awe in the viewer. In short, octopuses are incredible. Little aliens on Earth, essentially. This is the story of a relationship between humans and nature, but it's also an inspiring call to action: Don't ignore the wonder that exists all around you.

Netflix

Our Great National Parks

Barack Obama is making a beeline for David Attenborough's job. And we don't hate the idea!

Our Great National Parks is a world-class nature documentary in the style of great BBC shows like Planet Earth. They've nailed it here. If you're a fan of that type of show, this is completely unmissable.

Netflix

Our Planet (2019)

David Attenborough nature documentaries are so pervasive, they're vulnerable to self parody, but Our Planet is -- I believe -- the high watermark. Only Planet Earth, another Attenborough doc, comes close. But I prefer this one.

Netflix

Tiger King (2020-21)

Time may dull its impact, but when Tiger King was first released on Netflix, the entire world couldn't stop talking about it. 

Tiger King explores the strange underbelly of big cat breeding, focusing on a cast of unforgettable (and ultimately dangerous) characters. It drags its audience to weird places. Season 2 is now available and while the show has lost a lot of its bite, it's intriguing to catch up with this cast of wild human beings doing wild, completely outlandish things. 

Politics/history 

Netflix

13th (2016)

13th by Ava Duvernay is a staggering documentary that tells the story of American slavery and its long-lasting impacts, many of which still resonate today. 

In the wake of the Black Lives Matter movement, this should be mandatory viewing.

Netflix

The Great Hack (2019)

In the wake of the Capitol siege, the Facebook/Cambridge Analytica controversy almost feels like ancient history, but that doesn't make this documentary any less important. If you haven't seen it, then watch it.

Netflix

Operation Varsity Blues: The College Admissions Scandal (2021)

Recently released, Operations Varsity Blues: The College Admissions Scandal has a name as long as some of Netflix's recent documentaries. Thankfully, this isn't as bloated as, say, the recent Cecil Hotel doc, but it could still use some trimming. 

Operation Varsity Blues focused on the FBI investigation into college admissions that put actress Felicity Huffman into jail. Its director, Chris Smith, previously worked on the Fyre Festival documentary. This isn't quite as compelling, but is still well worth watching. 

Sundance

Knock Down the House (2019)

Regardless of your views on Rep. Alexandria Ocasio-Cortez, Knock Down the House is an incredible underdog story that cannot be missed. Focusing on progressive female candidates during the 2018 congressional primary campaigns, it's an insightful look at the democratic process. It's an inspiring reminder that we need to fight in order to make the voices of ordinary people count.

Netflix

What Happened, Miss Simone? (2015)

Not gonna say much here. Nina Simone is a legend and this is maybe one of the best documentaries I've ever seen. 

Netflix

Wild Wild Country (2018)

Overlong and bloated, Wild Wild Country is nevertheless one of the most fascinating documentaries I've ever watched on Netflix. 

It tells the story of Indian guru Bhagwan Shree Rajneesh, who attempted to build a gigantic sprawling commune, for what was essentially a sex cult, in the United States. It's a strange story that somehow becomes stranger with age. Much like Tiger King, the story plumbs depths you won't believe. At times it's a slog, but Wild Wild Country is absolutely worthwhile.

Netflix

Five Came Back (2017)

I absolutely adore this documentary. Five current acclaimed directors (including Steven Spielberg and Francis Ford Coppola) help tell the story of five famous movie directors from the '30s and '40s who did frontline work during the Second World War. It wraps their legacies alongside the impact of the war itself into a truly compelling story of Hollywood's golden age.

Netflix

American Factory (2019)

An Oscar winner for Netflix, this documentary is the first produced by Barack and Michelle Obama's Higher Ground Productions team. 

American Factory tells the story of Fuyao, a Chinese company that built a factory in Ohio that inhabits a now-closed General Motors plant. You have to watch this movie.

Netflix

Jeffrey Epstein: Filthy Rich (2020)

By this point we all have some sort of understanding of Jeffrey Epstein's story but Jeffrey Epstein: Filthy Rich does itself a great service by focusing on the stories of the survivors of his abuse. 

The Cinemart/Hulu

Fyre: The Greatest Party That Never Happened (2019)

Hulu also has a great Fyre festival documentary, but I prefer this Netflix one. Unlike many Netflix documentaries, which are stretched and bloated into multipart episodes, this documentary is sharp, direct and solid gold the entire way through.


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Mortgage Interest Rates for Sept. 1, 2022: Rates Climb


Mortgage Interest Rates for Sept. 1, 2022: Rates Climb

Some important mortgage rates increased today. The average 15-year fixed and 30-year fixed mortgage rates both grew. For variable rates, the 5/1 adjustable-rate mortgage also floated higher.

Though mortgage rates have been rather consistently going up since the start of this year, what happens next depends on whether inflation continues to climb or begins to retreat. Interest rates are dynamic and unpredictable -- at least on a daily or weekly basis -- and they respond to a wide variety of economic factors. Right now, they're particularly sensitive to inflation and the prospect of a US recession. With so much uncertainty in the market, if you're looking to buy a home, trying to time the market may not play to your favor. If inflation rises and rates climb, this could translate to higher interest rates and steeper monthly mortgage payments. For this reason, you may have better luck locking in a lower mortgage interest rate sooner rather than later. No matter when you decide to shop for a home, it's always a good idea to seek out multiple lenders to compare rates and fees to find the best mortgage for your specific situation.

30-year fixed-rate mortgages

The average 30-year fixed mortgage interest rate is 5.95%, which is an increase of 3 basis points compared to one week ago. (A basis point is equivalent to 0.01%.) The most common loan term is a 30-year fixed mortgage. A 30-year fixed rate mortgage will usually have a smaller monthly payment than a 15-year one -- but usually a higher interest rate. You won't be able to pay off your house as quickly and you'll pay more interest over time, but a 30-year fixed mortgage is a good option if you're looking to minimize your monthly payment.

15-year fixed-rate mortgages

The average rate for a 15-year, fixed mortgage is 5.19%, which is an increase of 11 basis points from the same time last week. Compared to a 30-year fixed mortgage, a 15-year fixed mortgage with the same loan value and interest rate will have a higher monthly payment. But a 15-year loan will usually be the better deal, if you're able to afford the monthly payments. These include typically being able to get a lower interest rate, paying off your mortgage sooner, and paying less total interest in the long run.

5/1 adjustable-rate mortgages

A 5/1 ARM has an average rate of 4.42%, a climb of 9 basis points compared to a week ago. For the first five years, you'll usually get a lower interest rate with a 5/1 adjustable-rate mortgage compared to a 30-year fixed mortgage. But you could end up paying more after that time, depending on the terms of your loan and how the rate adjusts with the market rate. If you plan to sell or refinance your house before the rate changes, an adjustable-rate mortgage could make sense for you. If not, shifts in the market could significantly increase your interest rate.

Mortgage rate trends

Though mortgage rates were historically low at the beginning of 2022, they have been rising somewhat steadily since then. The Federal Reserve recently raised interest rates by another 0.75 percentage points in an attempt to curb record-high inflation. The Fed has raised rates a total of four times this year, but inflation still remains high. As a general rule, when inflation is low, mortgage rates tend to be lower. When inflation is high, rates tend to be higher.

Though the Fed does not directly set mortgage rates, the central bank's policy actions influence how much you pay to finance your home loan. If you're looking to buy a house in 2022, keep in mind that the Fed has signaled it will continue to raise rates, and mortgage rates could increase as the year goes on. Whether rates follow their upward projection or begin to level out hinges on if inflation actually slows.

We use data collected by Bankrate, which is owned by the same parent company as CNET, to track changes in these daily rates. This table summarizes the average rates offered by lenders across the country:

Current average mortgage interest rates

Loan type Interest rate A week ago Change
30-year fixed rate 5.95% 5.92% +0.03
15-year fixed rate 5.19% 5.08% +0.11
30-year jumbo mortgage rate 5.94% 5.93% +0.01
30-year mortgage refinance rate 5.92% 5.85% +0.07

Updated on Sept. 1, 2022.

How to find personalized mortgage rates

When you are ready to apply for a loan, you can reach out to a local mortgage broker or search online. When researching home mortgage rates, take into account your goals and current financial situation. A range of factors -- including your down payment, credit score, loan-to-value ratio and debt-to-income ratio -- will all affect your mortgage interest rate. Generally, you want a higher credit score, a larger down payment, a lower DTI and a lower LTV to get a lower interest rate. Apart from the mortgage rate, additional costs including closing costs, fees, discount points and taxes might also impact the cost of your home. Be sure to comparison shop with multiple lenders -- including credit unions and online lenders in addition to local and national banks -- in order to get a mortgage that's the right fit for you.

What's the best loan term?

One important thing to consider when choosing a mortgage is the loan term, or payment schedule. The most common mortgage terms are 15 years and 30 years, although 10-, 20- and 40-year mortgages also exist. Mortgages are further divided into fixed-rate and adjustable-rate mortgages. For fixed-rate mortgages, interest rates are set for the life of the loan. Unlike a fixed-rate mortgage, the interest rates for an adjustable-rate mortgage are only set for a certain amount of time (commonly five, seven or 10 years). After that, the rate adjusts annually based on the current interest rate in the market.

One thing to think about when deciding between a fixed-rate and adjustable-rate mortgage is how long you plan on staying in your house. Fixed-rate mortgages might be a better fit if you plan on staying in a home for quite some time. Fixed-rate mortgages offer greater stability over time in comparison to adjustable-rate mortgages, but adjustable-rate mortgages might offer lower interest rates upfront. If you aren't planning to keep your new house for more than three to 10 years, though, an adjustable-rate mortgage might give you a better deal. The best loan term is entirely dependent on your personal situation and goals, so be sure to think about what's important to you when choosing a mortgage.


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Tesla Now Wants You to Pay Extra for a Level 1 Charger With Its Vehicles


Tesla Now Wants You to Pay Extra for a Level 1 Charger With Its Vehicles

Historically speaking, when someone has bought an electric vehicle, it's come with a 110-volt mobile charger. It makes sense, right? You might need to charge in an emergency, or maybe you don't have a Level 2 charger at home. Well, like our old friend Bob said, "The times they are a-changin'," because Tesla is no longer including a 110-volt charger with its new vehicles.

This news was reported Saturday by InsideEVs and confirmed by Tesla CEO Elon Musk in a Tweet. His stated reasoning for getting rid of the included 110-volt charger is that people don't use them. That makes sense when you think about just how long it takes to charge any EV on 110 volts. Our long-term Mini Cooper SE takes multiple days to go from around 10% charge to 100%, and its battery is tiny compared with a Tesla's.

Of course, taking away something that people have gotten used to getting for free is a sure way to get people riled up on social media. In response, Musk tweeted that Tesla would offer the Level 1 charging kit for $200 and make it easy to order along with the car. As of publication, it's not part of the Model 3 or Model Y configurators, though.

Interestingly, Tesla isn't the only company bailing on the venerable old 110-volt wall charger. Kia's EV6, for example, also doesn't include one, but people don't seem as angry about that. That could be down to it being a new model, or -- and this seems more likely -- Kia fans just aren't as rabid as Tesla fans.

Typically, we'd contact a car company for more information in situations like these, but Tesla does not operate a public relations department to field requests for comment.


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