How to Pick Your First Credit Card to Start Building Credit

How to Pick Your First Credit Card to Start Building Credit

Applying for your first credit card can involve a considerable learning curve. With hundreds of card options, lots of jargon and navigating the complexity of the US credit system, there's a lot to learn at once. And once you understand it, it can seem counterintuitive. For example, how are you supposed to build credit to get a credit card if nobody will issue you a card without credit history? It can be dizzying, to say the least.

Still, there are many reasons to want a credit card, chief among them is the ability to build credit history and improve your credit score. Your credit score, a three digit-number that represents your creditworthiness, can affect everything from whether you are approved for an apartment, your interest rates for auto loans and a mortgage and how many financial options you will have in the future.

Below, we review everything you need to know before applying for a credit card: the basics of how credit cards work, how to pick the right card for you, how to apply and how to use your card to build credit.

Read more: Best Debit Cards for College Students

The basics: How credit cards work

First, credit cards are not free money, sadly. What they are is a financial tool that, when used responsibly, lets you space out payments for purchases, build credit history and, in some cases, earn rewards like cash-back or airline miles. But credit cards can be extremely easy to misuse if you accidentally charge more than you can afford to pay back by the end of your billing statement. And if you miss payments, you risk crashing your credit and racking up interest charges.

The best way to avoid these pitfalls is to understand how credit cards work. Credit card issuers, typically a bank or credit union, will lend you a certain amount of money called credit, which you agree to repay. Payment processing networks, like Mastercard or Visa, act as the middleman and help facilitate payments and benefits.

Every card has a credit limit, which is the highest amount of money you can borrow in total. Your credit limit is usually determined by your credit score, income and the credit card issuer. So if you're applying for your first card and don't have a long credit history, you will probably be given a lower credit limit. Once you show responsible card use (paying balances on time and/or in full), you can request a credit limit increase.

At the end of the billing cycle -- which usually lasts about a month -- the credit card company will send you a bill that lists all your purchases made with the card. You can pay either the minimum payment that's due or pay off the bill in full. While paying the minimum payment will keep your account in good standing, the remaining unpaid balance will carry over to the next month, and you'll likely start accruing interest charges on any unpaid balance. Every card has its own annual percentage rate (APR), which is the total amount of interest and fees it charges on unpaid balances.

If you miss the payment due date, you may incur late fees, adding even more dollars to your debt. It's in your best interest to avoid this scenario by only charging what you can afford and paying your bill in full each month. Fees and interest charges can add up quickly and prevent you from paying off your debt as quickly.

How to pick the right credit card

With hundreds of credit cards available, picking the right credit card for you will depend on your current financial status, your future financial goals and your lifestyle. Many credit cards come with rewards like welcome bonuses, cash-back offers, discounts on certain purchases and travel points or airline miles. Cards with rewards typically come along with annual fees -- a yearly expense you pay to own the card -- though some do not.

The right card for you depends on your financial situation and goals. If you're just starting out, building credit with a student or secured credit card -- one that requires a security deposit that acts as your credit limit -- can help you build credit. If you're looking to earn rewards, look for a card with the most relevant perks for your spending habits and an annual fee you can recoup from your rewards. 

Some credit card companies will solicit you directly or allow you to see if you are preapproved for a card. Since card companies run a hard check on your credit when you apply for a card, a move that can temporarily cause your credit score to dip, preapproval lets you see if you're likely to be approved before you apply. Preapproval doesn't guarantee you'll be approved -- it just means the credit card company thinks you're a good applicant for a particular card.

For those currently in school, there are specific credit cards made for students. These cards usually have a smaller credit limit, and may have a scaled-down combination of benefits and fees compared to traditional credit cards. Student cards usually have relaxed credit requirements, since many students don't have a significant credit history, thus making it easier to get approved.

A secured card is another option for those with no or low credit, looking to boost their credit score. Secured credit cards require a security deposit that acts as your credit limit. It is also a form of collateral, ensuring that the card balance will be paid even if you miss payments.

How to apply for your first credit card

Once you determine which card is best for you, you can begin the application process. While every credit card company has its own application, you will probably be asked to provide similar personal and financial information, like your name, age, employer, annual income and housing payment. With this information, the credit card issuer will run a credit check on you to decide if you fit the criteria for card approval.

After you apply, you will either be approved and granted a card or denied. CNET outlines steps to take to figure out why you're denied for a credit card in the worst case scenario.

How to build credit with your card

Your credit score reflects how good or bad you are at managing debt. It shows lenders your creditworthiness, or how much risk is involved when lending you money. Your credit score is determined by a few factors, including your payment history, amount of debt owed, the length of credit history, how much new credit you've taken on, and your credit utilization ratio, which we'll explain below.

Here are some common blunders to avoid to keep your credit score healthy: 

• Not paying your minimum payment on time. In addition to being penalized with late fees and interest charges, late payments reported to credit bureaus indicate to future lenders that you are an unreliable borrower. Over time, consistently paying on time will build a strong credit history that will boost your score, making you eligible for better credit cards and interest rates.
• Using too much of your credit limit. Using more than 30% of your total credit line can affect your credit score negatively. This percentage is called your credit utilization ratio. So if your credit limit is $1,000, you would want to keep all your credit card purchases under $300 as a best practice. Using more of your credit lines indicates to lenders that you are a risky borrower.
• Closing credit card accounts. While it may seem reasonable to close an account for a card you don't use, it can actually lower your total available credit, lowering your credit utilization ratio and shorten your length of credit history. Depending on your situation, it may be better to keep the card open and use it occasionally. But, there are ways to cancel a credit card without destroying your credit.

Best picks for your first credit card

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR14.49% - 23.49% Variable

Intro Purchase APR0% for 6 months

Recommended Credit Fair/New to Credit

Reward Rates

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR14.49% - 23.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases – automatically.

Our Take

The Discover it® Student Cash Back* card offers the best rewards spread of student credit cards. You'll earn the 1% flat rate on all purchases, but you can also earn 5% cash back with the bonus quarterly rotating category, on up to $1,500 in combined spending per quarter (then 1%). From now through September, the bonus category includes restaurants and PayPal purchases. For October through December, it includes Amazon.com purchases and purchases made through digital wallet apps. You do have to manually activate these bonus categories through your account to earn this higher rate, though.

We also like that this card offers an Unlimited Cashback Match welcome bonus -- Discover will match your cash back earned for your whole first year, essentially doubling your cash back at the end of your first year.

For more details, see our full review of the Discover it Student Cash Back.

Intro Offer N/A

APR15.24% - 29.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Annual Fee$0

Foreign Transaction Fees $0

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away.

Our Take

The Petal 2 Visa Credit Card, issued by WebBank, is designed for applicants of various credit types -- whether it's fair, excellent or you're just getting started. It offers a credit line between $300 and $10,000 and 1% back on all eligible purchases. 

To incentivize good credit-building behavior, your cash-back rate can increase to up to 1.5% on eligible purchases after 12 on-time monthly payments. There are no annual fees, security deposits, late fees or foreign transaction fees, making this a flexible option for anyone's first credit card.

Intro Offer N/A

APR26.99% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR26.99% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

Our Take

The Capital One Platinum Credit Card doesn't offer many perks, but it could be a good backup option for your first credit card if you don't want to put down a security deposit and aren't a student. This card is designed for people with fair, average or limited credit -- typically a credit score between 580 and 669. Though you won't earn rewards or a welcome bonus, you can build up your credit score with responsible use and there are no foreign transaction fees -- meaning you can use it abroad without facing additional costs.

For more details, check out our full review of the Capital One Platinum Credit Card.

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR24.49% Variable

Intro Purchase APRN/A

Recommended Credit New/Rebuilding Credit

Reward Rates

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR24.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn unlimited 1% cash back on all other purchases – automatically.

Our Take

All secured credit cards require a security deposit -- but not all of them enable you to earn rewards on your purchases. With a credit limit range of $200 to $2,500, you can earn 2% cash back at gas stations and restaurants with the Discover it® Secured Credit Card*, on up to a combined $1,000 in spending per calendar quarter (then 1%). You'll earn 1% cash back on other purchases, and you'll still get the Unlimited Cashback Match as with the other Discover credit cards. This card will also let you see if you're preapproved before you apply if you so choose.

For more information, see our full review of the Discover it Secured Credit Card.

Intro Offer Limited Time Offer: Earn $100 when you spend $100 in the first three months

APR16.49% - 26.49% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward Rates

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR16.49% - 26.49% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all other purchases.

Our Take

If you eat a lot of takeout or go to restaurants often, the Capital One SavorOne Student Cash Rewards Credit Card can maximize cash back on your meals and entertainment. You may be able to get preapproved for this credit card to test the waters, though as a student credit card, it has more relaxed credit requirements than its traditional counterparts.

You'll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Target and Walmart). Entertainment covers movie theaters, sports promoters (professional and semiprofessional live events), amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Streaming services include Netflix, Hulu and Disney+. For other purchases, you'll earn a standard 1% cash back.

*All information about the Discover it Student Cash Back and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

---

Source

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iOS 16 Beta: Check Out All the New Features for iPhone

iOS 16 Beta: Check Out All the New Features for iPhone

This story is part of WWDC 2022, CNET's complete coverage from and about Apple's annual developers conference.

What's happening

Apple previewed iOS 16, the next major version of iPhone software, at its 2022 developers conference, and now the OS has entered a public beta.

Why it matters

iOS 16 rolls out this fall to iPhone 8 models and newer. It's filled with major updates, including the ability to customize your lock screen, and frequently requested tools such as the ability to edit and "unsend" iMessage texts. It also adds significant privacy utilities.

What's next

iOS 16 is expected to be released in fall 2022.

Apple released its latest public beta for iOS 16, and this version includes a new battery percentage icon. If you have an iPhone with Face ID, this makes it easier to tell how much battery power remains: The remaining percentage is neatly nestled inside the battery symbol on the top right of the display. Until now, the battery indicator has been absent on Face ID iPhones and you had to open Control Center to view how much juice your phone has left.

You can still download the operating system and try out all its new features on a compatible iPhone ahead of its public release in the fall. While the software is still in development and much can change between now and its public release, there's plenty of upgrades focused on communication, personalization and privacy, including changes to your iPhone's lock screen, Messages app and Wallet. There are several lesser-known features lurking in iOS 16 that are worth checking out, too. 

First previewed at the company's annual WWDC keynote, iOS 16 should get a wide release alongside the heavily rumored iPhone 14. The new software will work on iPhone 8 models and newer.

Here's every iOS 16 feature you should know about.

Edit and 'unsend' messages

"Embarrassing typos are a thing of the past," Apple SVP of Software Engineering Craig Federighi said as he introduced three of the most requested features for the Messages app.

First, in iOS 16 you'll be able to edit sent messages. So if you notice a typo after a message, you'll be able to edit the message after the fact. A tiny "edited" appears in the status under the message.

In Messages, you can edit previously sent messages.

Apple

Next, and this might be my favorite new feature, you can immediately recall a sent message. If you accidentally send an unfinished message, you can use the Undo Send tool to prevent it from being read and hopefully look less chaotic to your friends and family.

Last, you can mark messages and threads as unread. This could be an excellent tool for when you don't have time to respond to a message in the moment, but want to make sure you come back to it later.

A new customizable lock screen

One of the things you look at the most on your iPhone is the lock screen, especially if you have a Face ID-equipped iPhone. iOS 16 brings the most substantial update to the iPhone's lock screen yet. Press and hold to edit your lock screen. You can swipe to try out several different styles. Each style changes the color filter for the background photo and the font on the lock screen so everything complements each other. This feels a bit like Apple's take on Google's Material You, which launched with Android 12.

You can also customize the fonts for the time and date, and add lock screen widgets like temperature, activity rings and a calendar. The widgets are akin to complications on the Apple Watch lock screen. 

Your iPhone will become more customizable in iOS 16. You'll be able to choose how your lock screen looks, down to the font and color.

Apple

You can even set up multiple customized lock screens with different widgets and easily swipe to switch between them. There's also a photo shuffle option that automatically changes the pictures on your lock screen.

One feature we hoped to see Apple add was an always-on display. It's something nearly all Android phones have; even the Apple Watch does. There's hope the iPhone 14 will have one.

iOS 16 adds a feature that developers can use called Live Activities. This is essentially a mini view of the real-time progress of a workout, sporting event or Uber ride from your iPhone's lock screen.

Apple

Notifications and live activities

Sometimes notifications can cover up your lock screen's photo, so iOS 16 moves notifications to the bottom of your display. As you receive them, instead of being compiled into a list, they appear like a vertical carousel. This not only looks better but should be a big help for one-handed use of your iPhone.

iOS 16 also aims to solve another notification problem. Sometimes you get a bunch of notifications in a row from one app, like the score of a basketball game. A new tool for developers called Live Activities makes it easier to stay on top of things happening in real time from your lock screen, instead of getting a series of interruptions.

Live Activities should make it easier to follow sporting events, workouts or even the progress of an Uber ride.

Skip CAPTCHAs using Private Access Tokens

The CAPTCHA -- which stands for Completely Automated Public Turing test to tell Computers and Humans Apart -- has been a necessary evil across the internet. CAPTCHAs are designed to make sure that a person is accessing a website or service, and not a bot. I find them annoying, as they often involve reading strangely written letters or having to find all the images that have a truck. With iOS 16, Apple plans to start replacing these awkward interactions with Private Access Tokens.

According to a video on Apple's website demonstrating Private Access Tokens, websites that support the token will essentially log in and authenticate that you are indeed a human without your having to play any of the usual CAPTCHA games. Apple says in the video that the company is working with other companies to roll out support for this feature, so we can't say the CAPTCHA will be dead after iOS 16 rolls out to the public. But the concept could provide some relief if it gets adopted.

Wallet and Apple Pay Later

ID cards from more states will be available in your Wallet app along with more security and privacy features. In iOS 16 you can also protect your identity and age. So rather than showing your exact birth date, the Wallet app will display your ID and that you're over 21.

iOS 16 makes sharing keys easier with apps like Mail and Messages. When your friend receives the key, they can add it to the Wallet app on their iPhone. Apple said it's working to make sure that shared keys are an industry standard and free for others.

The Wallet app in iOS 16 gets a bunch of small but notable updates, including the Apple Pay Later payment plan.

Apple

Apple Pay will support new types of payments and adds a new feature called Apple Pay Later, a Klarna-like service that lets you split the cost of an Apple Pay purchase into four equal payments spread over six weeks, with zero interest and no fees. Upcoming payments are managed through the Wallet app, making it easy to keep track of dates and payments.

But Apple Pay doesn't stop there. A new feature will also help you track Apple Pay orders and lets merchants deliver detailed receipts and tracking information. This should make it easier to stay up to date on the status of all your orders.

You can tap and hold on the subject of a photo and separate it from the background. Then you can drag it into another app like Messages to share it.

Apple

Visual Lookup's tap and drag for photos

In iOS 15, Visual Look Up analyzes your photos and can identify objects like plants, landmarks and pets. iOS 16 takes this to the next level. When you touch a photo's subject like the dog in the image above, you can lift it away from the background and add it to apps like Messages. Essentially it's a tap-and-hold tool that removes a photo's background.

Apple sometimes overuses the word "magic," but this feature truly seems like it.

During the keynote for WWDC, Apple executive Craig Federighi introduces SharePlay for the Messages app.

Apple

SharePlay comes to Messages

SharePlay, which debuted in iOS 15, lets you have a shared experience while connecting with someone over FaceTime. You can watch TV shows, listen to music in sync and other things. iOS 16 adds the ability to discover more apps that support SharePlay from within FaceTime.

But perhaps one of the coolest things Apple did for SharePlay was to make it work within the Messages app. Apple said that this was one of the biggest requests from app developers. Now when you want to share a movie on Disney Plus, you can start SharePlay together with a friend while chatting in Messages.

Safety Check lets you quickly reset location sharing and access to passwords. It's intended to be helpful for people in abusive relationships.

Apple

Safety Check aims to help people in abusive relationships

Safety Check  is a new feature intended to be helpful for people in abusive relationships. It lets you review and reset who has access to location information as well as passwords, messages and other apps on an iPhone.

Focus mode updates and Focus filters

Focus mode gets several updates. The first applies Focus behaviors to widgets and lock screen looks. So you could have one lock screen set for when your Work Focus is enabled and another for workouts.

Apple added specific Focus filters that apply your iPhone's Focus mode within apps. For example, in Safari, you can limit what tabs are shown depending on what Focus mode you have active.

Apple Maps adds transit fare cards

Maps will get several updates. You'll be able to plan trips with up to 15 different stops along the way. If you start planning a trip with the Maps app on your Mac, you'll be able to share that to your iPhone.

And in something similar to what Google announced for Google Wallet in Android 13, you'll be able to see transit fare estimates as well as add more money to a fare card from within Apple Maps.

In iOS 16 you'll be able to customize Quick Start with a specific child's iCloud parental controls and settings.

Apple

iCloud family checklist

iCloud gets several new features. One of the more interesting ones is the option to quickly set up a new device for your child. When Quick Start appears, you have the option to pick a user for the new device and use all the existing parental controls you've previously selected and configured. However, this is not what many of us still want: the ability to set up separate users for the same device.

There's a new family checklist with tips for updating settings for your kids as they get older, like a reminder to check location-sharing settings or share your iCloud Plus subscriptions.

For more, check out everything Apple announced at WWDC 2022.

---

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iOS 16 Beta: Top Features That Will Add New Tricks to Your iPhone

iOS 16 Beta: Top Features That Will Add New Tricks to Your iPhone

This story is part of WWDC 2022, CNET's complete coverage from and about Apple's annual developers conference.

What's happening

Apple previewed iOS 16, the next major version of iPhone software, at its 2022 developers conference, and now the OS has entered a public beta.

Why it matters

iOS 16 rolls out this fall to iPhone 8 models and newer. It's filled with major updates, including the ability to customize your lock screen, and frequently requested tools such as the ability to edit and "unsend" iMessage texts. It also adds significant privacy utilities.

What's next

iOS 16 is expected to be released in fall 2022.

Apple released its latest public beta for iOS 16, and this version adds in a new battery percentage icon. If you have an iPhone with Face ID, this makes it easier to tell how much battery power remains: The remaining percentage is shown inside the battery symbol on the top right of the display. Until now, the battery indicator has been absent on Face ID iPhones and you had to open Control Center to view how much juice your phone has left.

You can still download the operating system and try out all its new features on a compatible iPhone ahead of its public release in the fall. While the software is still in development and much can change between now and its public release, there's plenty of upgrades focused on communication, personalization and privacy, including changes to your iPhone's lock screen, Messages app and Wallet. There are several lesser-known features lurking in iOS 16 that are worth checking out, too. 

First previewed at the company's annual WWDC keynote, iOS 16 should get a wide release alongside the heavily rumored iPhone 14. The new software will work on iPhone 8 models and newer.

Here's every iOS 16 feature you should know about.

Get ready for Apple's next event

Edit and 'unsend' messages

"Embarrassing typos are a thing of the past," Apple SVP of Software Engineering Craig Federighi said as he introduced three of the most requested features for the Messages app.

First, in iOS 16 you'll be able to edit sent messages. So if you notice a typo after a message, you'll be able to edit the message after the fact. A tiny "edited" appears in the status under the message.

In Messages, you can edit previously sent messages.

Apple

Next, and this might be my favorite new feature, you can immediately recall a sent message. If you accidentally send an unfinished message, you can use the Undo Send tool to prevent it from being read and hopefully look less chaotic to your friends and family.

Last, you can mark messages and threads as unread. This could be an excellent tool for when you don't have time to respond to a message in the moment, but want to make sure you come back to it later.

A new customizable lock screen

One of the things you look at the most on your iPhone is the lock screen, especially if you have a Face ID-equipped iPhone. iOS 16 brings the most substantial update to the iPhone's lock screen yet. Press and hold to edit your lock screen. You can swipe to try out several different styles. Each style changes the color filter for the background photo and the font on the lock screen so everything complements each other. This feels a bit like Apple's take on Google's Material You, which launched with Android 12.

You can also customize the fonts for the time and date, and add lock screen widgets like temperature, activity rings and a calendar. The widgets are akin to complications on the Apple Watch lock screen. 

Your iPhone will become more customizable in iOS 16. You'll be able to choose how your lock screen looks, down to the font and color.

Apple

You can even set up multiple customized lock screens with different widgets and easily swipe to switch between them. There's also a photo shuffle option that automatically changes the pictures on your lock screen.

One feature we hoped to see Apple add was an always-on display. It's something nearly all Android phones have; even the Apple Watch does. There's hope the iPhone 14 will have one.

iOS 16 adds a feature that developers can use called Live Activities. This is essentially a mini view of the real-time progress of a workout, sporting event or Uber ride from your iPhone's lock screen.

Apple

Notifications and live activities

Sometimes notifications can cover up your lock screen's photo, so iOS 16 moves notifications to the bottom of your display. As you receive them, instead of being compiled into a list, they appear like a vertical carousel. This not only looks better but should be a big help for one-handed use of your iPhone.

iOS 16 also aims to solve another notification problem. Sometimes you get a bunch of notifications in a row from one app, like the score of a basketball game. A new tool for developers called Live Activities makes it easier to stay on top of things happening in real time from your lock screen, instead of getting a series of interruptions.

Live Activities should make it easier to follow sporting events, workouts or even the progress of an Uber ride.

Skip CAPTCHAs using Private Access Tokens

The CAPTCHA -- which stands for Completely Automated Public Turing test to tell Computers and Humans Apart -- has been a necessary evil across the internet. CAPTCHAs are designed to make sure that a person is accessing a website or service, and not a bot. I find them annoying, as they often involve reading strangely written letters or having to find all the images that have a truck. With iOS 16, Apple plans to start replacing these awkward interactions with Private Access Tokens.

According to a video on Apple's website demonstrating Private Access Tokens, websites that support the token will essentially log in and authenticate that you are indeed a human without your having to play any of the usual CAPTCHA games. Apple says in the video that the company is working with other companies to roll out support for this feature, so we can't say the CAPTCHA will be dead after iOS 16 rolls out to the public. But the concept could provide some relief if it gets adopted.

Wallet and Apple Pay Later

ID cards from more states will be available in your Wallet app along with more security and privacy features. In iOS 16 you can also protect your identity and age. So rather than showing your exact birth date, the Wallet app will display your ID and that you're over 21.

iOS 16 makes sharing keys easier with apps like Mail and Messages. When your friend receives the key, they can add it to the Wallet app on their iPhone. Apple said it's working to make sure that shared keys are an industry standard and free for others.

The Wallet app in iOS 16 gets a bunch of small but notable updates, including the Apple Pay Later payment plan.

Apple

Apple Pay will support new types of payments and adds a new feature called Apple Pay Later, a Klarna-like service that lets you split the cost of an Apple Pay purchase into four equal payments spread over six weeks, with zero interest and no fees. Upcoming payments are managed through the Wallet app, making it easy to keep track of dates and payments.

But Apple Pay doesn't stop there. A new feature will also help you track Apple Pay orders and lets merchants deliver detailed receipts and tracking information. This should make it easier to stay up to date on the status of all your orders.

You can tap and hold on the subject of a photo and separate it from the background. Then you can drag it into another app like Messages to share it.

Apple

Visual Lookup's tap and drag for photos

In iOS 15, Visual Look Up analyzes your photos and can identify objects like plants, landmarks and pets. iOS 16 takes this to the next level. When you touch a photo's subject like the dog in the image above, you can lift it away from the background and add it to apps like Messages. Essentially it's a tap-and-hold tool that removes a photo's background.

Apple sometimes overuses the word "magic," but this feature truly seems like it.

During the keynote for WWDC, Apple executive Craig Federighi introduces SharePlay for the Messages app.

Apple

SharePlay comes to Messages

SharePlay, which debuted in iOS 15, lets you have a shared experience while connecting with someone over FaceTime. You can watch TV shows, listen to music in sync and other things. iOS 16 adds the ability to discover more apps that support SharePlay from within FaceTime.

But perhaps one of the coolest things Apple did for SharePlay was to make it work within the Messages app. Apple said that this was one of the biggest requests from app developers. Now when you want to share a movie on Disney Plus, you can start SharePlay together with a friend while chatting in Messages.

Safety Check lets you quickly reset location sharing and access to passwords. It's intended to be helpful for people in abusive relationships.

Apple

Safety Check aims to help people in abusive relationships

Safety Check  is a new feature intended to be helpful for people in abusive relationships. It lets you review and reset who has access to location information as well as passwords, messages and other apps on an iPhone.

Focus mode updates and Focus filters

Focus mode gets several updates. The first applies Focus behaviors to widgets and lock screen looks. So you could have one lock screen set for when your Work Focus is enabled and another for workouts.

Apple added specific Focus filters that apply your iPhone's Focus mode within apps. For example, in Safari, you can limit what tabs are shown depending on what Focus mode you have active.

Apple Maps adds transit fare cards

Maps will get several updates. You'll be able to plan trips with up to 15 different stops along the way. If you start planning a trip with the Maps app on your Mac, you'll be able to share that to your iPhone.

And in something similar to what Google announced for Google Wallet in Android 13, you'll be able to see transit fare estimates as well as add more money to a fare card from within Apple Maps.

In iOS 16 you'll be able to customize Quick Start with a specific child's iCloud parental controls and settings.

Apple

iCloud family checklist

iCloud gets several new features. One of the more interesting ones is the option to quickly set up a new device for your child. When Quick Start appears, you have the option to pick a user for the new device and use all the existing parental controls you've previously selected and configured. However, this is not what many of us still want: the ability to set up separate users for the same device.

There's a new family checklist with tips for updating settings for your kids as they get older, like a reminder to check location-sharing settings or share your iCloud Plus subscriptions.

For more, check out everything Apple announced at WWDC 2022.

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The Best Strollers of 2022: Cost, Convenience and Best Features

The Best Strollers of 2022: Cost, Convenience and Best Features

A stroller can be one of the most expensive purchases you make as a new parent. We say "can" because the stroller market is so vast and varied that your choices range from sub-$100 umbrella strollers to premium models that ask $1,000 and up. With so many different options for wheeling around your bundle of joy, it's easy to become overwhelmed. 

In many ways, shopping for a stroller is like shopping for a car. Just as you'd do for that similarly daunting process, you must first identify your needs. Do you want a small stroller you can take anywhere and deploy and break down quickly, or do you want a large stroller that's more comfortable and can carry more stuff? How many seats do you need? Do you want to be able to swap in a car seat? And how much are you willing to spend? Once you have a better idea of what you want, you can narrow down your options. 

To help you in your search, we tested nine strollers across several different categories. Keep reading to find out which ones deserve your attention.

Read more: How To Choose the Right Baby Stroller for You

Screenshot by Nasha Addarich Martínez/CNET

It's a great idea to buy a convertible stroller for your first baby if you're considering having a second. It gives you the flexibility to add another seat and convert it into a double later on down the line. But while a convertible stroller will work well enough, a dedicated double stroller might better suit your needs. The Baby Jogger City Mini GT2 Double is an all-terrain side-by-side double stroller with several advantages over a convertible double stroller. For one, its maneuverability doesn't change with the number and size of the kids it's carrying. A convertible double stroller has its seats arranged in a tandem configuration. If you have an older toddler in the front seat, the added weight over the front wheels will affect your steering effort. A side-by-side doesn't have that problem if you don't exceed the stroller's weight limits.

Another benefit of the side-by-side layout is the ease of getting your child into the seat. Since there's nothing in front, lifting them into the seat is a breeze. My 3-year-old liked to climb into his seat himself, though this was a double-edged sword as he could just as easily climb out if he wasn't buckled in. Buckling him in was easy when I just used the waist belt, but the shoulder straps' interlocking harness system was tricky. The harness parts all go together a certain way, and getting them to stay that way while your child is squirming can be challenging. Another shortcoming is the small under-seat storage basket. It's a relatively small space for such a large stroller, though it will fit a backpack-style diaper bag, provided you can squeeze it past the crossbar right over the basket. There are also no cup holders, so if you want a place to dock your latte, you'll need to buy one separately from Baby Jogger.

Being an all-terrain stroller, the GT2 Double has larger wheels and a fantastic suspension that provide a smooth ride on pavement and more off-road capability for outdoor excursions. To set the brake, simply pull the lever on the right rail. 

One drawback of side-by-side double strollers is that they're wide. The GT2 Double will fit through standard-size doorways, though sometimes just barely. You need to be aware of the placement of the back wheels when pushing through a door to avoid snagging them. The stroller's extra width makes it less ideal for cruising narrow store aisles. It's best suited for wide-open spaces, so the GT2 Double has become my go-to theme park stroller. As I already mentioned, it's supremely maneuverable and very easy to get my kids in and out of. Thanks to the individually reclining seatbacks and flip-up footrests, it's also great for taking naps. If one child falls asleep, you can lean them back and pull down the sunshade, which provides generous coverage.  

Folding the GT2 Double is as easy as pulling the straps on the seats. The stroller collapses neatly in half, though you need to be ready for the top to swing down to avoid smacking your shins. Carrying the GT2 Double by those straps is easy enough, but at 36.5 pounds, it's far from being a lightweight stroller. Getting it in and out of your car requires some muscle, especially if you lift it over and into a conventional trunk. Additionally, its substantial width makes it bulky even when folded, so you'll need to clear a good amount of space to make room for it.  

Price: At around $700, the GT2 Double isn't cheap. But it makes life with two young kids a little bit easier, and for that, I say it's worth every penny.

Screenshot by Nasha Addarich Martínez/CNET

Unless you're a stroller enthusiast, you probably won't notice when another parent rolls up next to you with a fancy set of wheels. But everyone will notice the Wonderfold W4 Luxe. This imposing four-seat stroller wagon stands at 4.5 feet tall with the canopy fully extended and is just over 4 feet long. On walks, it will take up most of the sidewalk. Despite its size, the largest Wonderfold model is relatively easy to maneuver, though don't expect it to navigate tight corridors and aisles. You will feel the weight of the wagon (plus your kids) when pushing uphill or for long periods, but the large 12-inch wheels in the rear make that task less laborious.  

The Wonderfold W4 Luxe is kind of like a Pack 'n Play on wheels and, as such, it's spacious. The wagon comes with two bench seats, which accommodate two children each. The shoulder room will be tight with two toddlers on one bench, but it's manageable. We usually install the front-facing bench for our two kids, leaving space for blankets, toys and whatever else they need in the front of the wagon. I like that the walls are tall enough that my 3-year-old can't just jump out whenever he wants, and he likes the secret zipper door in the front that allows him to crawl in and out when opened. The canopy is simple and effective, providing plenty of shade no matter the sun's position. When not needed, the canopy rods slide out and stow neatly in the back of the wagon. Also in the back is a large external cargo basket that can hold your diaper bag and more.

The W4 Luxe's best feature is also its biggest downside: it's massive. The wagon weighs 58 pounds in total, and while folding it does shrink it down substantially, it's still bulky. This isn't a stroller you can fit easily in an average-sized trunk. You need to be able to fold some seats down or have a truck bed to toss it into -- and even then, lifting it in and out won't be easy. With all that said, the Wonderfold W4 Luxe isn't well suited for everyday stroller duties. 

Price: This wagon will set you back by $900. But if you have two or more kids and go on regular family adventures, the W4 Luxe is a fantastic option that you'll get years of use out of.

Screenshot by Nasha Addarich Martínez/CNET

After more than 60 years in the baby products game, Chicco has earned a reputation among parents for being a trusted brand. In the competitive stroller market, Chicco's offerings fall right in the middle of the price spectrum, and even though its strollers aren't super high-end, they offer a lot of bang for your buck. The Chicco Corso is a perfect example. 

The Corso is a full-size, single-seat travel system stroller, which means it was designed from the outset to be compatible with a car seat (in this case, the Chicco KeyFit range). Though the Corso's seat is suitable for newborn babies (it reclines fully and comes with an infant insert), it's easier to keep your little one in their car seat, remove it from its base, pop it into your stroller and go. Doing this avoids transferring your baby, which is a game-changer if they're sound asleep and want them to stay asleep.  

The Corso is a midrange stroller, so it feels plain compared to high-end offerings in the same class. Some of its materials are somewhat rough to the touch, and overall the seat lacks the plushness you might expect based on its upscale, modern design. I tested the Corso LE model, which does add a few more premium features, such as a faux leather wrap for the handlebar and bumper bar and a larger cargo basket with cup-holder pouches. It also upgrades the wheels from plastic to a treaded rubber design. These enhancements help raise the Corso's luxury quotient, but if you're expecting Uppababy or Nuna levels of quality, you'll be sorely disappointed.        

What the Corso lacks in luxury, it makes up for with practicality and value. The Corso is handy with a supple ride that's easy on your hands and your baby. The seat has three recline positions and will lay flat. Meanwhile, the canopy provides good coverage thanks to a zip-out extension. I love the one-handed folding mechanism, similar to the Chicco Bravo and it comes in handy when you've got a baby occupying your other hand. Once folded, the stroller stands on its own -- a highly underrated feature.

The Corso is often paired with a KeyFit infant car seat (the standard Corso gets the KeyFit 30 while the Corso LE gets the KeyFit 35). That makes sense since a travel system stroller works best when you have the car seat it's designed to work with. You can, however, buy the Corso separately.

Price: At around $500, the Chicco Corso is a versatile stroller that looks chic and performs well and is a comparable option from Uppababy or Nuna.    

Screenshot by Nasha Addarich Martínez/CNET

It's rare for a stroller to live up to its marketing hype, but the Veer Cruiser does just that with a rugged design that offers capability and utility in spades. The Veer is a versatile stroller wagon that seats two children. The wagon can be pulled or pushed, though pushing requires some getting used to as it steers from the back in this configuration. In keeping with its extreme outdoorsy image, the wagon is designed to be hosed down when it gets dirty. This is a great feature, especially if your kids spill food from the center snack tray. 

The Veer Cruiser's 12-inch rear wheels help it crawl over uneven terrain, while the front wheels with integrated suspension help smooth out the ride. The sides of the wagon are at a good height for a toddler to rest their arms on and they can easily climb in and out. Though the sides, seat backs and handle bar collapse flat, the Veer Cruiser is still bulky when folded due to its large wheels. It's also on the heavy side at 32.5 pounds.

The Veer Cruiser has many useful features out of the box, but some conveniences that come standard on other strollers are only available as optional accessories. For example, if you want shade for your children, you'll have to fork over an additional $60 each for the retractable canopies. If you want more cargo space, the rear cargo basket will set you back at around $80. The advantage of offering everything à la carte is you can customize your Veer Cruiser to your heart's content with unique colors and prints. The Veer Cruiser is undoubtedly a pricey option (especially after accessories), but you'll appreciate this wagon's versatility and robustness if you find yourself outdoors often. 

Price: At $699, the Veer cruiser is pricier than other strollers on this list. But if you enjoy having the option to fully customize your stroller to your ever-changing baby needs, it may be well worth the price.

Screenshot by Nasha Addarich Martínez/CNET

Full disclosure: I've owned an original Minu since 2018, so I've had a lot of time to consider what it does well and where it falls short. With that said, I can say the changes UppaBaby made to the Minu V2 go a long way towards addressing the issues I had with the original. The UppaBaby Minu is the brand's lightweight, compact stroller. Its significantly smaller dimensions make it well-suited for traveling on a plane, but the Minu also works as an everyday stroller.

The Minu V2 builds on the original with small but meaningful improvements. The latch that keeps the stroller together when folded is now hinged and spring-loaded, making it easier to release and unfold. The canopy has been redesigned with a zip-out extension, replacing the previous pull-down shade that got loose and floppy over time. There's also an adjustable leg rest, a welcome addition for naps in the stroller. 

These enhancements only make a great stroller even better. The Minu V2 still boasts exceptional maneuverability and a smooth, comfortable ride for a small stroller. Storage space is limited, but there's enough room in the cargo basket to stow a backpack-style diaper bag. Another reason you'll love it is it fits just about anywhere. There's no need to worry about clearance issues when you're rolling through a densely packed store -- and no matter what other junk you have in your trunk, odds are the Minu V2 will fit. Unfortunately, one feature that hasn't been updated is the two-pedal brake system. Normally, you step on the red pedal to set the brakes on both wheels and step on the green to release them, but in some cases, the pedals stick and fail to lock or unlock both wheels. This is an annoyance but won't affect functionality too much as you can still set the brake manually on each wheel.

Price: The Minu V2 is priced at around $450, which is high for a compact stroller. But its ease of use and overall build quality will ensure that you get plenty of mileage out of it. 

Screenshot by Nasha Addarich Martínez/CNET

If you like the idea of the Veer Cruiser but can't bring yourself to spend that kind of money on a wagon, the Evenflo Pivot Xplore is a compelling alternative that's substantially easier on your wallet. Like the Veer, the Pivot Xplore is an all-terrain stroller wagon with a reversible handlebar that allows you to pull it like a wagon or push it like a stroller. It seats two kids facing each other and comes with a detachable snack tray that snaps in the middle. It also comes with two canopies and an external cargo basket, features that are available only as optional accessories on the Veer.

The Pivot Xplore's large wheels with foam-filled rubber tires perform well on uneven terrain, though not as big as the Veer's. In addition to being competent off-road, the Pivot Xplore rides smoothly on pavement and requires little effort to push or steer when in stroller mode. The seats are spacious, offering plenty of room for your kids to grow thanks to a deep, expandable footwell and wide seat cushions. Drop the wagon's front rim to get in or out, and your kids can come and go as they please. The three-point waist belt is easy to use and holds them securely in place if you need them to stay put. 

Storage is another thing this stroller wagon does well. Each seat has an interior side pocket for storing snacks, sippy cups, toys or whatever your kids pick up on the trails. There are also two exterior pockets that are a good size for storing water bottles. The basket hangs off the back of the wagon and provides a decent amount of space for jackets or a small diaper bag. Do keep in mind that it can get in the way of your legs when pushing in stroller mode. 

It's tough to avoid bulkiness with a wagon, especially an all-terrain wagon with large wheels. The Pivot Xplore weighs 34.7 pounds, but it doesn't feel that heavy loading it into your car when folded. The folding process is straightforward, but it does require some muscle to get the two ends of the stroller to scissor in half and click together in the middle. 

Price: At just under $400, the Pivot Xplore offers a tremendous amount of value for the money. For nearly half the price of the Veer, you get almost as much utility.

Screenshot by Nasha Addarich Martínez/CNET

If you're a parent that's constantly on the go, you need a stroller that can keep up with your busy lifestyle. The Ergobaby Metro Plus is a compact stroller that offers a lot of convenience and takes up hardly any space at all when folded. 

Thanks to its compact dimensions, the Metro Plus can fit just about anywhere, whether you're making your way through a crowded store or rolling down the narrow aisle of an airplane. It also folds up small enough that it's approved for stowage in the overhead bins of most airlines, which is great because a stroller comes in handy when boarding or deplaning with a toddler. At just under 17 pounds, the Metro Plus is exceptionally light. Moving it from one car to another is effortless, especially since you don't have to rearrange your trunk to get it to fit. 

The Metro Plus is reasonably spacious for a compact stroller with a well-padded seat. The seatback reclines flat for nap time and has an adjustable leg rest. The canopy is mounted high on the stroller, limiting coverage, and there's no visor extension. Meanwhile, the cargo basket is decent for a small stroller and has a good clearance between the bottom crossbar and the basket. I also appreciate the adjustable handlebar, a feature I wish the Minu had. The Metro Plus rides well on smooth surfaces, but it can get bumpy going over chunky asphalt. The stroller is supposed to fold with only one hand, but I found the folding mechanics awkward and almost always had to use two hands to origami it into the correct position. It could just take some getting used to, however.

I wouldn't recommend the Metro Plus as your only stroller, but it works great as a lightweight second stroller that you can quickly grab and go. 

Price: At right around $300, it's a fair bit cheaper than the Minu. 

Other strollers we've tested

Screenshot by Nasha Addarich Martínez/CNET

Because the stroller market is so competitive, manufacturers need to keep innovating new features to make their products stand out. One such innovation is the self-folding mechanism, a design that allows a stroller to fold itself automatically without operator assistance. If you frequently have your hands full by the time you get to your car, this is huge, as you have one less thing to worry about when you're trying to get your baby back in the car. The Evenflo Gold Otto is a new addition to the niche self-folding stroller segment, and though it's not perfect, there's a lot to like about it. 

For starters, it's true to its name. Just press the button on the handlebar and the Evenflo Otto automatically collapses down. To unfold it again, hit the same button and pull the handlebar up to watch the stroller snap into position. When folded, it's not quite as compact as the other travel strollers I tested, but it's still easy to squeeze into your trunk or the back seat. It could use some improvement in the ride and handling department. The Otto uses small foam wheels and doesn't have much in the way of suspension. As a result, the ride can be bumpy at times. The wheels on my tester squeaked more than I liked. 

Price: The Otto only costs around $200. If you can live with the above issues, the Otto would make a great second stroller for running quick errands. 

Screenshot by Nasha Addarich Martínez/CNET

The Chicco Cortina Together is a dedicated double stroller with seats arranged in tandem or in-line configuration. It has some handy features, but like other strollers in this category, it also has some major downsides. But first, let's go over what it does well. The Cortina Together can accommodate two larger toddlers thanks to spacious seats with high backs. Additionally, the stroller can accept two Chicco infant car seats (KeyFit 30/35 or Fit2) without adaptors. There's also a nifty parent tray with two built-in cup holders and a small storage compartment beneath the handlebar. The storage basket is large, though not as large as it appears since about one-third of it serves as the footwell for the rear seat.   

Now on to the stroller's drawbacks. The Cortina Together is difficult to push and steer when loaded up with two kids. Its small plastic wheels don't roll well on anything but smooth surfaces, and the suspension doesn't do much to dampen the ride over rough pavement. When folded, the Cortina Together is long and unwieldy, and though it might fit in a large, mostly empty trunk, you'll need to clear a good amount of space for it in most cars. It's also fairly heavy at 36.6 pounds. 

Price: At around $320, the Cortina Together isn't too expensive, but there are better double stroller solutions out there. 

How we tested

I began researching the most popular strollers online, looking for models with stand-out individual reviews and high aggregate review scores. After acquiring a sampling of strollers from various categories and price ranges, I tested them over several months. On the many walks around the neighborhood, visits to the park, shopping trips and all-day excursions during that time, I evaluated each stroller based on the following criteria:

Convenience: How easy is it for the parent to use, break down and transport?
Comfort: How do my children like riding in it? Do they get sweaty from the seat material? Are the straps comfortable to wear?
Ride and handling: How smooth is the ride? How easy is it to push and steer?
Value: Do you get your money's worth for the price you pay?

Stroller FAQs

What are the different types of strollers?

It seems like the stroller market invents new niche categories every year, but here are the basic types of strollers available: 

Full-sized: This is the standard stroller size. Full-sized strollers typically feature more robust construction than compacts and have wider seats. Some full-sized strollers, like the Uppababy Vista, are convertible strollers, meaning they can accommodate a second seat if you want to convert it to a double. 

Double: A double stroller has two seats arranged in either an in-line or side-by-side configuration. 

Travel system: This type of stroller lets you swap the seat out for a compatible infant car seat or bassinet. Because it's modular, you can add pieces as you need them. Another handy travel system feature allows you to flip the seat around, so your baby's facing you. 

Compact: Made for parents who are always on the go, compact strollers offer many of the same benefits as their full-sized counterparts but in a smaller package. They're sometimes called travel or lightweight strollers. 

Umbrella: Even smaller and lighter than a compact, umbrella strollers are great for traveling as they're portable when folded. They also tend to be pretty basic, so don't expect to get many features. But because they're so simple, umbrella strollers are affordable choices. 

Jogging: Parents who can't live without their morning run might consider a jogging stroller. These purpose-built buggies have large wheels and beefed-up suspensions to handle rough terrain. They usually also include air-filled tires and a hand-operated brake to help you slow down. 

Stroller wagon: As the name implies, stroller wagons are one part wagon and one part stroller. They're great for when your kids are a little older as they offer more space. They also give you more cargo options than a typical stroller. 

Car seat carriers: Like a travel system stroller, a car seat carrier will snap into an infant car seat. But that's all they're designed to do. They're sometimes called stroller frames, which is apt because that's exactly what they are. Since there's no seat or anything in the way of creature comforts, these tend to be relatively inexpensive. 

Can you use a stroller for a newborn?

According to the American Academy of Pediatrics, a baby should be able to hold their head up between their first four and six months. Before that, they lack the muscle strength in their neck to keep their head upright. That means most stroller seats aren't suitable for newborn babies. One exception is if your stroller can recline completely flat. Some companies also make newborn inserts for their stroller seats, which give your baby a little more support in a seat that's frankly too big for them.

But even though you can put your baby in some stroller seats, it's probably best to keep them in a car seat or bassinet. Travel system strollers are great options, as they give you flexibility from birth to toddlerhood. If you don't have a true travel system stroller, you might still be able to get an adapter for it that will allow you to use your car seat.

Do you need more than one stroller?

No, you don't need more than one stroller. But having a second one significantly opens up your options for taking the baby out. That's because you can have two strollers that each specialize in doing one thing rather than having to choose one stroller that's a jack of all trades but master of none. For example, you could pick a full-sized stroller for long outings where you want storage space and ride comfort and pair it with a compact for running quick errands.

If you think you're a one-stroller family, make sure you get something versatile that can meet all your needs. Full-size travel system strollers work well in this role, and if it's going to be your only stroller, you can spend a little more money on one. You might consider upgrading to a premium brand like Uppababy or Nuna.

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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