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What Is 3D Printing?


What Is 3D Printing?


Spend any time at an online craft market like Etsy, and you'll notice a lot of the products there are 3D printed or include 3D-printed parts. But what do we actually mean by that, and how easy is it to start 3D printing your own items? 

The answer isn't as simple as you might hope, but also not as complicated as you might fear.

How does a 3D printer work? 

3D printing is a type of additive manufacturing that uses material to build layers into 3D objects. Essentially it prints by adding material (usually a form of plastic) one drop at a time. The 3D printer draws a shape on a flat surface and then draws another on top of it until the model is complete.

There are a lot of different types of materials used to create these layers, but the ones you're most likely to use as a hobbyist are melted plastic and UV resin. Which type you use will depend on the result you want to achieve. The best 3D printers automate a lot of the process, but there is still a lot of trial and error to get it right. 

This picture shows one of the positives of owning a 3D printer. My colleague Dan Ackerman needed a mount for his iPhone to attach to his MacBook. A few hours and about $0.15 of material later, he had one up and running. It's satisfying to solve this kind of problem almost immediately.

3D printed part holding an iphone on a macbook

Making 3D printed parts save you time and money

Dan Ackerman/CNET

What are the types of 3D printer?

Printers come in all different shapes and sizes and can be configured in various ways depending on your end goals, but most of the ones a hobbyist or small business will use can be broken down into two distinct types: FDM and resin.

Fused deposition modeling

This is the most common type of printer and the type most widely used by businesses and hobbyists. An FDM 3D printer is simply a plotting device. It pushes a plastic filament through a hot nozzle to squish layers into the print surface in a pattern.

There are a lot of different materials that you can use with an FDM printer. I won't go into detail here -- if you want more information, check out our list of the best 3D printer filaments -- but the simplest one to use is PLA. It's a type of non-toxic plant-based plastic that prints at fairly low temperatures.

You should buy an FDM 3D printer if you are looking to 3D print practical pieces, medium-sized decorative models and cosplay armor.

SLA (stereolithography) or resin 3D printing

SLA printing, more commonly known as resin printing, is almost the opposite of FDM printing. Instead of melting plastic into liquid, it uses a UV reactive liquid that's hardened under light. Each layer is "cured" using an LED array, which emits light in a set pattern.

Resin printing produces far more detailed models as an end result but it's a lot harder to work with. There are plenty of great resins out there for you to try but you need a wash-and-cure station to make sure they're safe to handle after you have printed them.

You should buy an SLA resin 3D printer if you want to print highly detailed models such as Dungeons and Dragons miniatures jewelry or even dentistry (assuming you're a dentist).

There is another process for 3D printing: Sintering uses a laser to fuse powder into shape. It's expensive and produces amazing results, but it requires large machines and plenty of space. It's certainly not great for use in your garage.

Elegoo Neptune 2 on a shelf with Anycubic Vyper in background

Even though it costs very little, this printer delivers excellent quality every time.

James Bricknell/CNET

How much is a 3D printer? 

Prices for 3D printers vary wildly depending on what you want to do with them, how big the printer is and how detailed you want the models from the printer to be. We have a list of the best budget 3D printers on the site if you're looking for something under $500. Or we can recommend the best 3D printers overall if you have a little more money to spend. There are even semi-professional rigs that can cost a few thousand dollars.

The Neptune 2 is a good starting point for beginners. It's easy to set up and use and it's usually priced at under $200. While it isn't going to print the most detailed models, it will give you a good understanding of everything that 3D printing entails. The most important thing is that it's cheap, making it accessible.

If money's no object and you want an amazing in-home 3D printing experience, then the Prusa Mk3S Plus is the best choice. It comes in both kit and preassembled forms, but if you want to learn more about 3D printing you should buy the kit. It's an excellent introduction to how the whole process works, and it'll save you money. 

At $799 plus shipping, it isn't the cheapest 3D printer, but it is the best out-of-the-box 3D printing experience money can buy. It's an investment when you're first starting out, but it can save you money in the long run: Some cheaper 3D printers require aftermarket upgrades and replacement parts to really shine. 

In the four years that I've owned it, it's been my most consistent 3D printer in terms of reliability and output quality.

Resin 3D printers are similarly priced as their FDM counterparts, though the differences between the price point are more about speed and size than quality. A budget resin printer like the Anycubic M3 can be as low as $270 but the level of detail it can capture is as good as printers five times the cost. What keeps the price cheap is the size of the build area. Simply put; the more space you want the more you will expect to pay. 

Is now a good time to buy a 3D printer?

3D printing is currently in a golden age. Unlike days past, when you needed an engineering degree to use a 3D printer, nowadays you can get set up and started with most printers in under 15 minutes. 

Advanced safety features such as filament runout sensors and power loss protection are now standard even on budget-friendly options, so you're less likely to experience failures and more likely to succeed. That's not to say you'll never get failures -- you will, I promise. But failures are a good learning experience, and they won't be the majority of your results, like they used to be.


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What Is Keystone Correction For Projectors? And Why You Should Avoid It


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What Is Keystone Correction for Projectors? And Why You Should Avoid It


What Is Keystone Correction for Projectors? And Why You Should Avoid It

If you've ever tried to set up a projector you'll be familiar with the struggle of getting a perfectly rectangular image on the wall. This is because the lens of projector has to be perpendicular to the screen. If any corner of the projector is closer to the screen than its opposite, you'll get some kind of trapezoid instead of a nice rectangle. 

This isn't a new problem, and for decades projectors have had a "feature" to counter this issue. Called keystone correction, or keystone adjustment, it will technically make a rectangle out of your trapezoid… so to speak. If you care at all about picture quality, don't use it. Here's why.

The problem with not being perpendicular

Four images of a road with different angles.

Examples of what your image might look like if your projector isn't exactly center. You would have to turn or tilt the projector to get it to line up, resulting in a trapezoid. Clockwise from top left: PJ too far right, too far left, too high, too low.

Geoff Morrison/CNET

Projectors are a two-piece system: the projector and the screen. Even if you're using a wall or the side of your house instead of a screen, that still counts. All projectors use rectangular imaging chips to create an image, and it's crucial that the image sent by the chip is exactly perpendicular to the screen. Every corner needs to be the same distance to the screen as its opposite corner and if that doesn't happen, the shape gets distorted.

Even if you've never used a projector, you've probably seen this effect in action. Ever used a flashlight? Point it directly at the wall and you've got a circle. Point it on the ground ahead of you, and it's an oval. Same concept. 

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Some projectors have a feature called lens shift, which mechanically adjusts how the imaging chips, lens and screen line up. Lens shift lets you move the image slightly on the wall without hurting image quality, but its adjustment range is limited. If you're beyond how far the lens shift can adjust, or the projector don't have lens shift at all, misplacement will cause the image to go askew. 

Most screens have black borders so you don't need exact placement to the picometer, but it'd be a shame to spend money on a projector, and time on installing it, only to be annoyed at the visible edges when you're using it.

Which is why every projector has keystone correction. That doesn't mean it's good. 

Keystone: Not even once

Keystone correction aims to solve electronically what is inherently an optical problem. The projector will digitally adjust the image in the opposite direction to offset the trapezoid. So if the image is, say, smaller on the left than the right, the projector can reduce the size of the right side so it appears rectangular again. Clever, right? Sort of. Unfortunately there ain't no such thing as a free lunch.

All modern projectors use one of three technologies, DLP, LCD, or LCOS. All of them have a fixed number of pixels, or picture elements, used to create an image. There's no way to change the number of pixels on one of these chips. These imaging chips are generally fixed in place as well. 

Keystone corrections from a Canon projector owner's manual.

How a projector not lined up correctly might look on screen, and the buttons to press to "fix" the issue, via a business projector's owner's manual.

Canon

What keystone correction does is scale the image smaller, and then further process it to form the shape required to "look" rectangular. Or to put it another way, it's drawing a trapezoid inside a rectangle, but because the projector and image itself is skewed, that trapezoid now looks rectangular.

Both of these things reduce image quality. Scaling, in this case, reduces the number of pixels used to create the image. You're only using a portion of the imaging chip to create the new image shape. The more you adjust the keystone, the fewer pixels are used, further softening the image. 

Most projectors don't have much processing power, so this scaling might further soften the image, or it might introduce other noticeable artifacts. Changing the shape of the image is a further processing challenge and can add additional artifacts.

A home theater with an illustration of what the light spill would look like from an incorrectly mounted projector.

Digital keystone adjustment might get you a rectangular image, but the projector's imaging chips are all still active, so you'll get a dark gray "image" projected where the image isn't. In this illustration, the image at the top of the article has been "adjusted" but the projector hasn't moved. So you get a rectangular image but also the original trapezoid of the angled imaging chips.

Geoff Morrison/CNET and phototropic/Getty Images

And if that weren't enough, it's impossible to turn "off" the pixels you're not using. So there's still going to be light projected on the screen from these unused pixels, which appears inside the trapezoid shape you've been trying to avoid. In an extreme situation, you could have a noticeable gray image beyond the screen area. Inelegant at best, distracting at worst.

The solution? Place the projector properly

There's no better solution than not having the problem to begin with. Proper projector placement placates potential picture perils. Or to quote the ancient adage from prehistory: measure twice, cut once. 

If you're mounting your projector permanently, double- and triple-check the mount is in the correct place for your projector. This is crucial. Most projectors, especially those based on DLP, have their lenses offset from the center of the projector. Ideally, your mount will have some adjustment "wiggle room," but it might not. 

Usually you can download a mounting template and other info from the manufacturer's website. 

Also consider that most projectors, again especially those based on DLP, have an "upward throw." Which is to say, they create an image several inches above the top of the projector (or below, if it's mounted on the ceiling). You can't tilt the projector down since that, too, creates a trapezoid. Again, this info is on the company's website.

Star-like light emanates from the front of the Smart Projector 2.

Many portable projectors have automatic keystone correction. It's worth turning off if you're able to get the projector properly positioned.

Geoff Morrison/CNET

So yeah, if you absolutely have to use keystone correction, go for it. But it should only be used as a last resort in situations where you physically can't place the projector in its proper position. If you're mounting it, it's best to spend the time and get it right the first time and not rely on image-reducing electronic trickery to fix a bad install.  


As well as covering TV and other display tech, Geoff does photo tours of cool museums and locations around the world, including nuclear submarines, massive aircraft carriersmedieval castles, epic 10,000-mile road trips and more. Check out Tech Treks for all his tours and adventures.

He wrote a bestselling sci-fi novel about city-size submarines, along with a sequel. You can follow his adventures on Instagram and on his YouTube channel.


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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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What Is Net Metering And How Does It Work?


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What Is Net Metering and How Does It Work?


What Is Net Metering and How Does It Work?

If you're interested in setting up solar panels at your home, you've likely run into a number of new concepts when it comes to how utilities handle the electricity you'll generate. Perhaps you've run into the term "net metering" otherwise known as "net energy metering" or NEM, a concept unique to commercial and residential areas that generate their own electricity. 

With solar panels, you can generate enough energy to provide electricity to your home and, sometimes, more than you can use or store. When that happens, you can sell that excess electricity to the utility company to distribute elsewhere along the power grid. That process is known as net metering.

How does net metering work?

In states that offer net metering (check here to see if your state qualifies), you can sell your excess solar energy back to your utility company in exchange for credits that offset the cost of your energy usage. You may generate excess solar power when it is clear and sunny out, but see less energy than is necessary to power your home when it is cloudy or rainy. By selling your excess energy back to the utility grid, you'll be able to use the credit to cover the cost for any electricity you need to use. You end up paying only for the "net" energy, or the difference between how much you sold and actually used.

The types of net metering

There are three different models of net metering, and which one is available to you may depend on your state and your utility provider.

Net metering

Net metering is the most common arrangement, and works by selling any surplus power generated by your solar panels to the utility operator in exchange for credits, which offset any electricity you may need to use from the grid. The credit is applied at the retail rate, which means the rate that you pay for electricity. Only one meter is required to track this, though your meter may need to be upgraded when you go solar.

Buy all/sell all

The buy all/sell all model works by selling 100% of the energy that your solar panels generate to the utility company. It is sold at wholesale price, which is cheaper for the purchases. In exchange, you get 100% of your home's energy from the utility company, which you pay the retail rate to use. This requires two separate meters, and you will pay the difference -- if any -- between the amount generated and the amount consumed. It's important to note that under this model, you do not directly consume any of the energy your solar panels generate.

Net billing

Much like net metering, the net billing model allows you to use the electricity generated by your solar panels and sell the excess to the utility company at retail price. Unlike the net metering model, though, you cannot bank credits for future billing cycles. This arrangement is more common for commercial situations than residential ones. 


Advertiser Disclosure : CNET's corporate partner, SaveOnEnergy, can help you find the right energy fit for your home. The SaveOnEnergy marketplace helps you search, compare, sign up and save on the right energy fit for your home — all for free. If you're interested in solar, answer a few questions to get an exact price quote from our solar advisors. 


What to consider when it comes to net metering types

In some cases you won't have a choice when it comes to the type of net energy metering arrangement, as utility companies may only offer one option. However, if you can choose, you'll want to keep in mind a couple things.

Net metering is the most common option for a reason: it's the simplest to understand. You get credits for energy sold and those credits are at retail price, meaning they are paid at the same rate that you pay for your electricity. That makes the math simple.

However, that doesn't mean it's the best deal available to you. If you're in a situation where you expect to generate a lot of electricity -- a region where it is sunny most of the time and there isn't much rain or cloud cover to interfere with your panels -- a buy all/sell all option may work better. While you'll be selling at a wholesale rate, meaning it is a lower rate for you since you are acting as a provider, you'll also be selling much more than you otherwise would. All of your solar power generation will be monetized, as opposed to just the excess.

You should also keep in mind other fees associated with net metering. For instance, you may have to pay a connection fee. This is a monthly expense that you pay for connecting to the utility company's grid. It typically isn't much, between $10-20 per month, but it is an expense to keep in mind.

No matter what arrangement ends up working best for you, net energy metering a great way to get the most out of your solar panels. Not only does it allow you to power your own house or pay for your full electricity use, but it also allows you to monetize your energy generation and let others make use of it.


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What Is Shrinkflation And What Does It Mean For Your Favorite Supermarket Items?


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What Is Shrinkflation and What Does It Mean for Your Favorite Supermarket Items?


What Is Shrinkflation and What Does It Mean for Your Favorite Supermarket Items?

Higher grocery bills continue to plague American consumers, as the Consumer Price Index for May shows that the "food at home index" was up another 1% in May. Food prices in April were already up 10.8% from where they were a year ago, the largest 12-month increase since November 1980, according to the Bureau of Labor Statistics.

It's not just consumers, though: Manufacturers are feeling the pinch of inflation as well, with ingredients costing more and supply chain issues making it harder to get goods to store shelves. 

Rather than just raise prices, some manufacturers shrink their packaging, a practice known as "shrinkflation." 

Shoppers across the US have reported smaller toilet paper rolls, fewer potato chips and other reductions in supermarket staples.

"It comes in waves," consumer advocate Edgar Dworsky told NPR. "We happen to be in a tidal wave at the moment because of inflation."

Read on to learn more about shrinkflation, including whether it's legal, how to guard against it and which manufacturers are downsizing their products.

What does "shrinkflation" mean?

Shrinkflation is the practice of reducing the size or quantity of a product while keeping the same price. It can mean fewer chips in the bag, fewer scoops of ice cream in the container. Basically, the purchase price remains the same but the cost per unit rises.

Customers may not notice what are effectively price increases, John Gourville, a professor of business administration at the Harvard Business School. "We found that consumers reacted greatly to periodic changes in price, but not at all to periodic (yet systematic) reductions in quantity," Gourville said in an interview back in 2004. 

Some companies disguise shrinkflation with a package redesign, according to Gourville, like adding dents to the bottom of bottles or touting claims of "lower calories." 

A Gatorade representative told Quartz in March that the company redesigned its bottles to be "more aerodynamic" and "easier to grab." It also happened to reduce the amount of Gatorade in the container from 32 to 28 ounces.

Is shrinkflation legal?

Shrinking package size is not illegal so long as the product amounts are clearly labeled and "and the business is not engaging in unfair or deceptive practices," according to the Massachusetts Office of Consumer Affairs.

"This is legal -- companies can change prices of their products however they want. This way they do it and it reduces the amount of complaints that the companies receive as a consequence of this stuff," Tom Fullerton, an economics professor at the University of Texas at El Paso, told KFOX.

How can I protect myself against shrinkflation?

Consumers tend to pay more attention to product prices than package sizes. Breaking that habit is the top tip for steeling yourself against shrinkflation: learn the package sizes and per-unit pricing for your favorite products.

If you notice that a product has shrunk or reduced the number of included items, consider competitors who offer a similar product at a lower cost per ounce or item. Compare per-unit prices to see which product provides a better deal.

Cases of Charmin Ultra Strong toilet paper

Charmin has reportedly reduced the amount of toilet paper in its Mega package from 266 sheets per roll to 244.

Olivier Douliery/Getty Images

Shrinkflation also offers an opportunity to wean yourself off packaged foods. Retailers might be able to make cereal boxes and granola bars smaller, but they can't shrink a pound of apples.  

Dworsky, the consumer advocate, has made shrinkflation (or "downsizing," as he calls it) a major focus of his website MousePrint, which is dedicated to examining the fine print of advertising claims.

Every few months, Dworsky publishescompilations of all the products he's found that have recently decreased in size. He usually posts on Mondays and crowdsources items from his readers to get a fuller picture of which products have changed.

The Reddit message board /r/shrinkflation also serves as a good source for tracking package size changes for your favorite products. Users post instances of shrinkflation that they've found in their local stores or online, usually with screenshots or photos as evidence.

Which products have shrunk?

Consumers have reported shrinkage in all kinds of household products. A keen eye on Reddit found that Huggies Little Snugglers packs dropped from 96 diapers per box to 84.

Procter & Gamble's Cascade reduced the number of dishwashing pods in a box from 78 to 63, while Unilever's Seventh Generation liquid dish soap dropped from 25 to 19 ounces with a bottle redesign.

Charmin has shrunk its Super Mega package from 396 double-ply sheets per roll to 366, MousePrint reported. The toiler paper company also reduced its Mega package from 266 sheets per roll to 244.

Cottonelle reduced the number of toilet paper sheets in its Ultra Clean line from 340 sheets to 312 and in its Ultra Comfort brand from 284 sheets to 268.

Party size bags of Doritos
Memories Are Captured/Getty Images

Other bath products have also gotten smaller: Pantene has rebranded its Curl Protection Conditioner and in the process reduced the size from 12 to 10.4 ounces, per Reddit. And MousePrint reports that Dove Body Wash recently shrunk from 24 to 22 ounces.

Snacks are another popular target for shrinkflation, as they often come in bags that make it difficult to spot changes. Last year, Doritos decreased the weight of its regular-size bags from 9.75 to 9.25 ounces, a loss of about five chips per bag. Redditors also noticed that Doritos' party-size bag has shrunk from 15.5 to 14.5 ounces.

A party-size bag of Fritos Scoops, which used to be 18 ounces, is now reportedly just under 16 ounces, the Associated Press reported. A tube of Pringles now carries 165 grams of potato chips, down from 200 grams.

Nabisco's Wheat Thins made its "Family Size" product smaller, too, lowering the package weight from 16 to 14 ounces, per Reddit.

A bag of Keebler's Vienna Fingers bag has shrunk from 14.2 to 12 ounces, per Reddit. And MousePrint reports that the size of the company's regular Chips Deluxe package dwindled from 11.3 to 9.7 ounces. (The "family size" package decreased from 17.2 to 14.6 ounces.) 

Package downsizing has also hit fast-food chains: Domino's has cut down the number of boneless wings in an order from ten to eight, citing "unprecedented ingredient costs." Burger King is doing the same with its chicken nuggets.

And Subway rotisserie chicken wraps and sandwiches now contain less meat, Bloomberg reported.


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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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What Is Signal? Everything You Need To Know About Elon Musk's App Recommendation


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What is Signal? Everything you need to know about Elon Musk's app recommendation


What is Signal? Everything you need to know about Elon Musk's app recommendation

Tech mogul Elon Musk -- known as widely for slinging cars into the sun's orbit as he is for advocating against COVID-19 safety measures -- took to Twitter earlier this month to slam Facebook over its latest privacy policy updates for its supposedly secure encrypted messaging app WhatsApp. Musk instead recommended people choose encrypted messaging app Signal. 

The tweet was then retweeted by Twitter CEO Jack Dorsey. Shortly after, Signal tweeted that it was working to handle the surge of new users. 

The Signal app was downloaded almost 1.3 million times on Jan. 11, according to data from Apptopia, a tracking firm. The app had been downloaded an average of 50,000 times a day prior to Musk's tweet. A Signal spokesperson said the report undercounted the number of downloads the service is experiencing.

Signal also attributed a temporary outage later that week to the surge in new users. 

"While we have been working hard all week to keep up with all the new people switching over to Signal, today exceeded even our most optimistic projections. We are working hard to resolve [the issue]," the spokesman told CNET in an email. 

Musk's Twitter endorsement also incidentally led shares in the biotechnology company Signal Advance to soar, despite the fact that it is completely unrelated to Signal, which is not a publicly traded company. 

This isn't the first time Musk has publicly sparred with Facebook over privacy concerns. In 2018, he not only had his own personal Facebook page removed, but those of his companies Tesla and SpaceX. His take on the long-fought battle between Signal and WhatsApp isn't off-base, though. 

Both of the encrypted messaging apps have been found to have security bugs over the years that have been resolved. For years, WhatsApp has openly collected certain user data to share with parent company Facebook. Its latest policy change just expands that. Signal, on the other hand, has a history of fighting any entity that asks for your data, and adds features to further anonymize you where possible. 

Read more: Signal vs. WhatsApp vs. Telegram: What to know before you switch messaging apps

Soon after Musk's tweet, WhatsApp published an FAQ aimed at clarifying its data collection policy, emphasizing that neither it nor Facebook can see users' private messages or hear their calls. Following mounting privacy concerns, WhatsApp announced Friday it would delay the rollout of its new policy by three months.

"We're now moving back the date on which people will be asked to review and accept the terms. No one will have their account suspended or deleted on February 8. We're also going to do a lot more to clear up the misinformation around how privacy and security works on WhatsApp. We'll then go to people gradually to review the policy at their own pace before new business options are available on May 15," the company said in a blog post. 

Here are the basics of Signal you should know if you're interested in using the secure messaging app. Plus, here are all of the differences between Signal, WhatsApp and Telegram.

Signal is a typical one-tap install app that can be found in your normal marketplaces like Google'sPlay Store and Apple'sApp Store, and works just like the usual text messaging app. It's an open source development provided free of charge by the non-profit Signal Foundation, and has been famously used for years by high-profile privacy icons like Edward Snowden.

Signal's main function is that it can send text, video, audio and picture messages protected by end-to-end encryption, after verifying your phone number and letting you independently verify other Signal users' identity. You can also use it to make voice and video calls, either one-to-one or with a group. For a deeper dive into the potential pitfalls and limitations of encrypted messaging apps, CNET's Laura Hautala's explainer is a life-saver. But for our purposes, the key to Signal is encryption.

Despite the buzz around the term, end-to-end encryption is simple: Unlike normal SMS messaging apps, it garbles up your messages before sending them, and only ungarbles them for the verified recipient. This prevents law enforcement, your mobile carrier and other snooping entities from being able to read the contents of your messages even when they intercept them (which happens more often than you might think). 

When it comes to privacy it's hard to beat Signal's offer. It doesn't store your user data. And beyond its encryption prowess, it gives you extended, onscreen privacy options, including app-specific locks, blank notification pop-ups, face-blurring anti-surveillance tools, and disappearing messages. Occasional bugs have proven that the tech is far from bulletproof, of course, but the overall arc of Signal's reputation and results have kept it at the top of every privacy-savvy person's list of identity protection tools. 

For years, the core privacy challenge for Signal lay not in its technology but in its wider adoption. Sending an encrypted Signal message is great, but if your recipient isn't using Signal, then your privacy may be nil. Think of it like the herd immunity created by vaccines, but for your messaging privacy. 

Now that Musk and Dorsey's endorsements have sent a surge of users to get a privacy booster shot, however, that challenge may be a thing of the past.


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The Ghost Particle: What Is A Neutrino And Could It Be The Key To Modern Physics?


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The Ghost Particle: What Is a Neutrino and Could It Be the Key to Modern Physics?


The Ghost Particle: What Is a Neutrino and Could It Be the Key to Modern Physics?

It came from deep space, moving at the speed of light, and crashed into Antarctica. Deep below the ice, it met its end. It wasn't an asteroid or alien spacecraft, but a particle that rarely interacts with matter, known as a neutrino.  

Though theorized in the 1930s and first detected in the 1950s, neutrinos maintain a mysterious aura, and are often dubbed "ghost particles" -- they're not haunting or dangerous, but they just zip through the Earth without us even noticing them. Oh, "and it's a cool name," according to astrophysicist Clancy James at Curtin University in Western Australia.

In recent years, ghost particles have been making headlines for all sorts of reasons and not just because they have a cool name. That Antarctic collision was traced to a black hole that shredded a star, for instance, and other neutrinos seem to come via the sun. In early 2022, physicists were able to directly pin down the approximate mass of a neutrino -- a discovery that could help uncover new physics or break the rules of the Standard Model. 

Imagine if we actually captured a ghost and could say the specter was of someone who had died. It would change everything we know about the universe. A ghost particle is pretty much a big deal for the same reason, and that's why astrophysicists are trying to trap them. They're excited, and here's why you should be, too.

The IceCube observatory in Antarctica.

Erik Beiser, IceCube/NSF

What is a neutrino?

In a nutshell, a neutrino is a fundamental, subatomic particle. Under the Standard Model of particle physics it's classified as a "lepton." Other leptons include electrons, the negatively charged particles that make up atoms, with protons and neutrons. But look, if we get into all that, we're going to go real deep on particle physics and it'll explode our brains.

The neutrino is unique because it has a vanishingly small mass and no electrical charge and it's found across the universe. "They are made in the sun, in nuclear reactors, and when high-energy cosmic rays smash into Earth's atmosphere," says Eric Thrane, an astrophysicist at Monash University in Australia. They're also made by some of the most extreme and powerful objects we know of, like supermassive black holes and exploding stars, and they were also produced at the beginning of the universe: the Big Bang. 

Like light, they travel in basically a straight line from where they're created in space. Other charged particles are at the mercy of magnetic fields, but neutrinos just barrel through the cosmos without impediment; a ghostly bullet fired from a monstrous cosmic gun.

And, as you read this, trillions of them are zipping through the Earth and straight through you.

They're crashing into me right now?

Yes, exactly. Every second of every day since the day you were born, neutrinos have been moving through your body. You just don't know it because they interact with hardly anything. They don't smash into the atoms that make you up, and so you don't even know they're there. Just like a shadowy spirit passing through a wall, the neutrino moves right on through. Fortunately, there's no exorcism required.

But why should I care about neutrinos?

Studying them for decades has thrown up a bit of a surprise for scientists. Under the standard model, neutrinos shouldn't have any mass. But they do. "The fact they do points us to new physics to enhance our understanding of the universe," notes James.

The puzzle of the neutrino mass first came to light in the 1960s. Scientists had suggested the sun should be producing what's known as electron neutrinos, a particular type of the subatomic particle. But it wasn't. This "solar neutrino problem" led to a breakthrough discovery: that neutrinos can change flavor. 

Like an almost-empty bag of Mentos, the ghost particle comes in just three distinct flavors -- electron, muon and tau -- and they can change flavor as they move through space (flavor is the actual terminology, I'm not making that up for this analogy). For instance, an electron neutrino might be produced by the sun and then be later detected as a muon neutrino. 

And such a change implies the neutrino does have mass. Physics tells us they couldn't change flavor if they were massless. Now research efforts are focused on elucidating what the mass is.

In a study published in the prestigious journal Nature in February 2022, researchers revealed the mass of a neutrino to be incredibly tiny (but definitely there). Physicists were able to show directly, using a neutrino detector in Germany, that the maximum mass for a neutrino is around eight-tenths of an electron volt (eV). That's an unfathomably tiny mass, more than a million times "lighter" than an electron.

The is what a ghost hunter looks like: The main spectrometer of the Karlsruhe Tritium Neutrino Experiment (KATRIN) is manoeuvred through a road in southern Germany.

Michael Latz/Getty

Wait! A neutrino detector? But aren't they... ghost particles? How do you detect neutrinos?

As James notes, "the darn things mostly pass straight through whatever detector you build!"

But there are a number of ways to trap a ghost.

One of the key ingredients you need is space. Physical space, deep underground. For great results, scientists have built their neutrino detectors under meters of ice in Antarctica and, soon, at the bottom of the ocean. This helps keep the data clean from any interference from things like cosmic rays, which would bombard the sensitive detectors at the surface. The detector in Antarctica, known as IceCube, is buried about 8,000 feet straight down.

"Trapping" a ghost particle might not actually be the best terminology for what these detectors are doing. IceCube, for instance, doesn't hold any neutrinos prisoner. The particles mostly blast straight through the detector. But on the way, some very (very!) rarely interact with the Antarctic ice and produce a shower of secondary particles emitting a type of blue light known as Cherenkov radiation. A range of light-sensing spherical modules, vertically arranged like beads on a string, pick up the light those particles emit. A similar detector exists in Japan: Super-Kamiokande. This uses a 55,000 ton tank of water instead of ice and is buried under Mount Ikeno.

Both are able to detect which direction the neutrino came from and its flavor. And so, physicists can see signs the ghost particle was there, but not the ghost particle itself. It's kind of like a poltergeist -- you can see the way it interacts with chairs (throwing them at you) and lights (menacingly switching them on and off), but you can't see the phantom itself. Spooky!

The sun is known to produce a specific type of neutrino

NASA/SDO/Spaceweather.com

Great. So what can we learn from neutrinos?

Neutrinos are a fundamental particle in our universe, which means they underlie, in some way, everything that exists. Learning more about neutrinos will help unlock some of the mysteries of physics.

"Particle physicists study neutrinos in order to look for clues for physics beyond the Standard Model," says Thrane. He notes that physicists want to understand if neutrinos violate some of the fundamental laws of the Standard Model. "This may shed light on why there's more matter than antimatter in the Universe," Thrane says, noting that the problem has been referred to as one of the great mysteries in physics. 

We also know that extreme cosmic objects and events can produce them. For instance, exploding stars, or supernovas, are known to create neutrinos and shoot them across the universe. So are supermassive black holes chomping on gas, dust and stars. 

"Detecting neutrinos tells us about what is going on in these objects," says James.

Because they hardly interact with the surrounding matter, we could use neutrinos to see these types of objects and understand them in regions of the universe we can't study with other electromagnetic wavelengths (like optical light, UV and radio). For example, scientists could peer into the heart of the Milky Way, which is hard to observe in other electromagnetic wavelengths because our view is interfered with by gas and dust. 

Reliable detection and tracing could stimulate an astronomy revolution akin to the one we're currently seeing with gravitational waves. Essentially, neutrinos can give us a whole new eye on the cosmos, complementing our existing set of telescopes and detectors to reveal what's going on in the void. 

And then there are "sterile" neutrinos which...

Oh god. What are sterile neutrinos? 

I probably should've kept those under wraps, but seeing as you're here, sterile neutrinos are a whole other class of neutrinos. They're entirely theoretical, but scientists think they likely exist because of a feature in physics known as chirality. Essentially, the normal neutrinos we've been discussing are what some call "left-handed." So, some physicists think there may be "right-handed" neutrinos -- sterile neutrinos. 

They give them this name because they don't interact with other particles via the weak force, like normal neutrinos. They interact only through gravity. These types of neutrinos are considered a candidate for dark matter, the stuff that makes up more than a quarter of the universe but that we've never seen. 

That means neutrinos might also help answer another vexing puzzle in physics: What, exactly, is dark matter? There are lots of candidates for dark matter theorized by physicists, and there's still plenty to learn -- it may not be related to neutrinos at all!

The three flavors of neutrino and the theoretical "sterile" neutrino.

IceCube Collaboration

Cool. Anything else I need to know about neutrinos?

As Deborah Conway once sang, "It's only the beginning, but I've already gone and lost my mind."

We haven't gotten into some of the more mind-blowing theories about neutrinos, like neutrinoless double beta decay and the idea of the neutrino as a Majorana particle. 

Several new neutrino experiments have been proposed, including the Giant Radio Array for Neutrino Detection, or GRAND, which would see up to 200,000 receivers placed. The total area of the array is designed to be about the same size as Great Britain. The first 10,000 antennas are expected to be placed on the Tibetan plateau, near the city of Dunhuang, in the next few years.

Though we've been able to detect and trace only a few neutrinos so far, the next decade should see neutrino astronomy really take off. The bottom line is that understanding neutrinos, their flavors and masses, will provide a window into the fundamental nature of our universe. 

And it's always cool to chase ghosts. 

Originally published on April 17.


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What Is Collagen? Benefits, Food Sources And Everything You Should Know


What Is Collagen? Benefits, Food Sources and Everything You Should Know


What Is Collagen? Benefits, Food Sources and Everything You Should Know

The benefits of collagen have been well-marketed in recent years, from stronger bones to more glowing skin. But regardless of all the hype, can boosting your collagen really accomplish these things?

As it turns out, the answer is yes. Several studies have found that adding collagen-rich foods or supplements to your diet offers a number of benefits and truly does help improve the health of your skin, joints, hair and bones.

However, there are a few things you should know about collagen before incorporating it into your daily wellness routine. 

Below, you'll find an in-depth explanation about collagen, including what it is, where to find it and how you might benefit from it -- plus the drawbacks you should be aware of. In addition, be sure to check out the best food sources for every vitamin and mineral you need and 10 tips for budget-friendly meal prepping that's still healthy.

What is collagen?

Before discussing its benefits, what is collagen? In short, collagen is the most plentiful protein in the human body and accounts for one-third of all protein. It serves as a connective building block that holds together your muscles, tendons, ligaments, bones and skin.

There are nearly 30 known types of collagen, but type I is the most prevalent (it exists in all connective tissue and makes up 90% of all collagen in the body). Types II, III and IV are also common and found in various parts of the body including your joints, kidneys, ears and blood vessels.

All of this leads us to another pertinent question: What is collagen good for? Your body naturally makes collagen by combining multiple amino acids (like proline and glycine) with zinc, vitamin C and copper. However, as you get older, production slows and the existing collagen in your body starts to break down at a faster rate.

When that happens, you may notice your skin getting wrinklier, your tendons and ligaments becoming less flexible and shrinking muscles. To prevent or delay these effects, some people consume collagen (either via food or supplements) to make up for what their body has lost.

Adding collagen to your diet

Salmon on white background
fotograzia/Getty Images

If you're looking to amp up your collagen production, you should ensure that your diet includes foods with these essential ingredients: 

  • Bone broth
  • Fish and shellfish
  • Chicken
  • Pork skin
  • Eggs
  • Beans
  • Citrus
  • Bell peppers
  • Nuts

Eating a well-balanced combination of these foods is the best way to boost your collagen levels. However, you can also consider taking supplements (typically in powder or capsule form) if you aren't getting enough collagen from diet alone. 

For best results, experts advise taking a collagen supplement one hour before working out, but always check the label and speak with your doctor before starting any new wellness routine.

Benefits of collagen

Now that we've covered the fundamentals, let's explore some of the benefits of collagen.

Builds stronger bones

Bones are full of collagen, but as you get older, the protein starts to deteriorate. In turn, this can lead to a decrease in bone strength and density. However, by incorporating collagen supplements into your diet, you may be able to prevent some bone loss and reduce your risk of bone-related problems, including osteoporosis and fractures.

Decreases joint pain

Collagen also works together with cartilage to keep your joints properly functioning. Over the years, as it wears down, it can lead to stiff and achy joints and put you at a higher risk for osteoarthritis. The good news is that taking collagen has been found to reduce joint pain in physically active people. It may also serve as a pain reliever for people with existing joint problems.

Improves skin

Your skin also contains collagen, which gives it elasticity and hydration when you're young. But as you mature, your skin becomes saggier and more wrinkly due to depleting collagen levels. Interestingly, studies have shown that adding more collagen to your diet can boost skin firmness and hydration, visibly reducing the effects of aging.

Promotes healthy hair

Collagen is created with some of the same amino acids that are used to build keratin, the protein that makes up your hair. Because of this connection, there is some evidence that consuming more collagen may help with your hair health by promoting growth, reducing thinning and slowing graying.

Adds muscle mass

Muscle tissue consists of as much as 10% collagen. When the collagen in your body begins to break down, you could lose muscle mass and potentially develop a condition called sarcopenia (age-related muscle loss). Fortunately, studies have shown that collagen supplements, along with increased protein intake and routine resistance exercise, may help people with sarcopenia build back muscle strength.

Drawbacks to collagen supplements

Despite these benefits, there are also a handful of drawbacks to collagen supplements that you should bear in mind before incorporating them into your routine.

They contain animal products (and sometimes, allergens)

Traditional collagen supplements, and all dietary supplements in general, are made from animal products, so they aren't suitable if you follow a plant-based diet. While there are some vegan collagen options on the market, it's unclear how they compare to the ones made from animal products. Similarly, if you have any food allergies, make sure to read the label on your collagen supplements thoroughly. In some cases, they may contain common allergens like fish or eggs.

Regulation is a gray area

Collagen supplements are regulated as food (not drugs) by the US Food and Drug Administration, meaning their ingredients and production aren't monitored by an official governing body. These products aren't subject to the same regulations and stringent approval process as pharmaceuticals, so it can be tricky to find out about the quality, purity and safety of the ingredients.

Effectiveness studies are limited

Although there have been studies about the effectiveness of collagen (many of which we've cited above), more research needs to be done. Also, some of the existing studies have been funded by companies that produce collagen supplements, which may raise ethical questions about bias.

Similar supplements to collagen

Capsules close-up on a hard-light mirror
Olga Shumytskaya/Getty Images

It's difficult to find other supplements that replicate the effects of collagen because its amino acid makeup is different from other proteins. However, you could try boosting your intake of glycine and proline, the key amino acids that are involved in creating collagen. They're most often found in protein-rich foods like meat and poultry, but they're also available in supplement form.

If you're most interested in how collagen can help improve your hair, nails and skin, you could consider keratin or biotin, which typically come in the form of shampoos and salon treatments but are also sold as dietary supplements. Biotin is also found in certain foods, including legumes, egg yolks, nuts and avocados.

For more advice on supplements, here are five fitness supplements that are proven to work. Plus, check out these three alternatives to melatonin for better sleep without drowsiness the next day. 

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


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