The Best Printers, According to the CNET Staff Who Use Them

Despite the modern reliance on the cloud, many of us still need to make physical copies of our paperwork. Important documents need copies, physical pictures need to be scanned and labels need to be created. The only way to do those things is to have a printer you have easy access to.

While CNET Labs test a whole new range of printers, we've put together a list of printers the CNET staff use at home and at the office and the reasons why they chose that particular model. These have not been formally tested to destruction, but are used in the way most people do.

Epson

A printer is one of those things that I don't use often, and when I do need to use it, I hope that it works. I've gone through several printers in recent years, because every time I want to use it the ink is dried out or something else needs to be fixed. I was looking for a low-maintenance option that had affordable ink replacements, and that's where I came across this Epson model.

It's an all-in-one unit, so I can still scan documents to my PC when needed, but the best part is that I've yet to find the ink dried up when I wanted to use it. It also prints reliably for small and medium jobs. The ink isn't expensive, and you can buy an XL version of the cartridge which offers 2.5x the capacity for a little extra money. Overall, it's a great printer if you don't need to print tons of pages in a short period of time (because it's a little slow) but still want something that won't make you go broke when you need new color or black ink.

-- Jared DiPane

Epson

The big selling point of the EcoTank line is that it does away with cartridges. Even if you only print a couple of times a week, it's worth the extra cost. My family prints more than that and we're still on the original ink refills that came with the printer after years of use. The 3750 model was replaced by the 3850 in September 2021 but they're essentially the same printer.

Because it's a lower-end model in the line, the printer isn't a speed demon with color prints and its tray holds only 250 sheets. It doesn't have a touchscreen, just a small display and navigation buttons that aren't backlit. But it has all the other features I'd expect from a compact all-in-one for a small office or home office: You get wired and wireless connections with mobile printing, an auto-document feeder and automatic two-sided printing. Print quality is respectable, too. It excels on black-and-white documents but it's OK for photos as well.

-- Josh Goldman

Brother

I've had this printer for at least five years and it's been solid. Unlike some other printers I've had, it rarely gets disconnected from the Wi-Fi network so my whole family can easily print stuff from their various computers and phones without me having to troubleshoot the connection. Printing is fast and since its laser ink isn't expensive per sheet. I'm fine with black and white and the few times I need color I'll print at the local drugstore.

The one downside is that double-sided printing always jams the feed so I have to take it apart, pull out the paper and restart the job. Sometimes the software seems to select double-sided on its own and I discover the hard way, but once I change back to single-sided (which is what we use most of the time) it's all good.

-- David Katzmaier

My wife loves to make stickers using our HP Envy and the Cricut Explore 3. The Envy has excellent color saturation, especially on the glossy sticker paper she uses. It also has the added bonus of being a scanner, which is especially helpful to scan all our mortgage documents while we move house.

The biggest selling point though is the two-year supply of new inks. Running out of ink is the worst part of using a printer at home, but HP's replacement service takes away that hassle. It's worth the money just for that.

-- James Bricknell

Brother

I have to make an absurd amount of labels for our son's Tupperware, school items, folders, cooking products, and so on. This makes it so easy. There are different fonts, sizes and styles to choose from.

The keyboard is dreamy and a far cry from the old-school turnstile. I also love the built-in cutting function. Gone are the days of needing scissors when you're done.

-- Danielle Ramirez

Full disclosure: I was the guy who proudly kept his home printer-free while using the office printer for those once- or twice-a-month necessities. Then came the pandemic, and I found myself in need of shipping labels and other documents at home. This tiny HP LaserJet fits perfectly on the bookshelf in my equally tiny Brooklyn apartment, and it reliably prints from PCs, Macs, Chromebooks and smartphones, all over Wi-Fi.

The 2022 model (M110w) is nearly identical to my 2020-era unit (M15w), but take note: The "cheaper" M110we seems to require a subscription to HP's cloud-ink solution, so go with the pricier model if you want to avoid an always-on connection. Also, this laser printer is black-and-white only, but that's a feature for me, not a bug.

-- John P. Falcone

Mortgage Refinance Rates on Sept. 1, 2022: Rates Rise

Both 15-year fixed and 30-year fixed refinances saw their mean rates go higher Thursday. The average rates for 10-year fixed refinances also made gains.

Like mortgage rates, refinance rates fluctuate on a daily basis. With inflation at a 40-year high, the Federal Reserve has hiked the federal funds rate four times this year and is poised to do so again in 2022 to try to slow rampant inflation. Though mortgage rates are not set by the central bank, these federal rate hikes increase the cost of borrowing money. Whether refinance rates will continue to rise or fall will depend on what happens next with inflation. If inflation begins to cool, rates will likely follow suit. But if inflation remains high, we could see refinance rates maintain an upward trajectory.

If rates for a refi are currently lower than your existing mortgage rate, you could save money by locking in a rate now. As always, consider your goals and circumstances, and compare rates and fees to find a mortgage lender who can meet your needs.

30-year fixed-rate refinance

The average 30-year fixed refinance rate right now is 5.92%, an increase of 7 basis points over this time last week. (A basis point is equivalent to 0.01%.) One reason to refinance to a 30-year fixed loan from a shorter loan term is to lower your monthly payment. Because of this, a 30-year refinance can be a good idea if you're having trouble making your monthly payments. However, interest rates for a 30-year refinance will typically be higher than rates for a 10- or 15-year refinance. It'll also take you longer to pay off your loan.

15-year fixed-rate refinance

The average 15-year fixed refinance rate right now is 5.19%, an increase of 8 basis points compared to one week ago. A 15-year fixed refinance will most likely raise your monthly payment compared to a 30-year loan. On the other hand, you'll save money on interest, since you'll pay off the loan sooner. You'll also typically get lower interest rates compared to a 30-year loan. This can help you save even more in the long run.

10-year fixed-rate refinance

The average rate for a 10-year fixed refinance loan is currently 5.21%, an increase of 4 basis points over last week. A 10-year refinance will typically feature the highest monthly payment of all refinance terms, but the lowest interest rate. A 10-year refinance can help you pay off your house much faster and save on interest in the long run. However, you should analyze your budget and current financial situation to make sure you'll be able to afford the higher monthly payment.

Where rates are headed

At the start of the pandemic, refinance rates dropped to historic lows, but they have been mostly climbing since the beginning of this year. Refinance rates rose due to inflation, which is at its highest level in four decades, as well as actions taken by the Federal Reserve. The Fed recently raised interest rates by another 0.75 percentage points and is prepared to raise rates again this year to slow the economy. Still, it's unclear exactly what will happen next in the market. If inflation continues to rise, rates are likely to climb. But if inflation starts to cool, rates could level off and begin to decline.

We track refinance rate trends using information collected by Bankrate, which is owned by CNET's parent company. Here's a table with the average refinance rates provided by lenders across the US:

Average refinance interest rates

Product	Rate	A week ago	Change
30-year fixed refi	5.92%	5.85%	+0.07
15-year fixed refi	5.19%	5.11%	+0.08
10-year fixed refi	5.21%	5.17%	+0.04

Rates as of Sept. 1, 2022.

How to find personalized refinance rates

It's important to understand that the rates advertised online may not apply to you. Your interest rate will be influenced by market conditions as well as your credit history and application.

Having a high credit score, a low credit utilization ratio and a history of consistent and on-time payments will generally help you get the best interest rates. You can get a good feel for average interest rates online, but make sure to speak with a mortgage professional in order to see the specific rates you qualify for. To get the best refinance rates, you'll first want to make your application as strong as possible. The best way to improve your credit ratings is to get your finances in order, use credit responsibly and monitor your credit regularly. Don't forget to speak with multiple lenders and shop around.

Refinancing can be a great move if you get a good rate or can pay off your loan sooner -- but consider carefully whether it's the right choice for you at the moment.

When should I refinance?

Most people refinance because the market interest rates are lower than their current rates or because they want to change their loan term. When deciding whether to refinance, be sure to take into account other factors besides market interest rates, including how long you plan to stay in your current home, the length of your loan term and the amount of your monthly payment. And don't forget about fees and closing costs, which can add up.

As interest rates have rather steadily increased since the beginning of the year, the pool of people eligible for refinancing has shrunk significantly. If you bought your house when interest rates were lower than current rates, you may likely not gain any financial benefit from refinancing your mortgage.

Source

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The Best Printers, According To The CNET Staff Who Use Them

The Best Printers, According to the CNET Staff Who Use Them

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