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Should You Buy a Home in 2022? Here's What You Need to Know

Should You Buy a Home in 2022? Here's What You Need to Know

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

After two years of a wildly hot and competitive housing market with skyrocketing home prices, there are some signs indicating that these record-high spikes might start leveling off. This past April, home price increases declined for the first time in four months, as did sales of new homes. 

But many experts note that, given the ongoing shortage of properties, home prices will still continue to go up in 2022 -- just at a slower pace. Plus, prospective new homeowners have to contend with relatively high mortgage rates, which keep monthly mortgage payments expensive. Although mortgage rates have dropped slightly since the Federal Reserve announced its fourth rate hike of the year to continue combating inflation, they're still more than 2% higher than they were at the beginning of 2022. So homebuyers should expect their mortgage payments to be higher this year, even if lessening demand decreases competition for homes.

"If we've seen the peak in inflation then we have seen the peak in mortgage rates," said Greg McBride, chief financial analyst at CNET's sister site, Bankrate. "The outlook for a weaker economy will hold sway as long as inflation pressures begin to show evidence of easing. If we get a couple months down the road and that hasn't happened, then all bets are off."

Even though mortgage rates appear to be leveling off, when taking all of these factors into account, a homebuyer will now pay almost 47% more for the same property compared with a year ago, according to Realtor.com. 

Buying a home is one of the most important money moves you'll ever make. It's an exceptionally personal decision that requires evaluating your long-term goals while making sure you're financially ready, from the down payment to interest on a home loan. Your job stability, household needs and the inventory available where you want to live all play a role in determining what makes sense for you. 

Here are the most important things to consider when buying a house in 2022, including why it might make sense to wait or to rent instead of buy. 

Key factors to consider when buying a home in 2022

Right now, home prices are still seeing double-digit growth nationwide and all-cash offers still make up around a quarter of housing bids, according to Jessica Lautz, vice president of demographics and behavioral insights at the National Association of Realtors. Does that mean you should try to hold off until prices start going down? Not necessarily.

The first thing to keep in mind is that expert predictions are imperfect. No one knows what's going to happen with the economy, even with warning signs for events like recessions. And timing the market, or trying to make decisions based on what you think will happen to prices or rates in the future, is generally not a sound strategy. "With housing, buyers tend to obsess over home values and how buying at a certain time may be better for appreciation and equity," said Farnoosh Torabi, personal finance expert and editor-at-large at CNET. "That's important, but your monthly housing payment is what really matters in the end."

Even if you have a plan, be prepared to pivot in this market. Maggie Moroney, 27, is trying to buy her first home in the Washington, D.C. area, but can't find anything affordable. Between sales and rentals, there's low inventory in both markets. 

"I probably could try to buy something, but it'd be a little bit of a stretch, especially with interest rates," she said. Moroney doesn't want to rush the decision and plans to wait it out if she doesn't find a home she likes, with the hope that more inventory will start to hit the market. "I'd rather have a rental I'm not super in love with than a home I'm not in love with."

If you're teetering between buying a home and waiting, here are some factors to keep in mind.

1. Mortgage rates and price trends

In today's housing market, high prices along with home loan rates are two of the most important factors at play. Although mortgage rates fluctuate daily, they are expected to remain between 5-6% for the rest 2022 -- though what happens next with inflation will tell where rates are headed. So far, rates are already more than 2 percentage points higher than this time a year ago and passed the 5.5% mark in June, but seem to be evening out since the announcement of the Fed's fourth rate hike in July. 

Although rates dipped slightly with the most recent interest hike, it's still important to understand how the rate you lock in for your mortgage will impact your monthly payments, as well as the total amount you'll pay over the lifetime of your loan. 

For example, if you take out a 30-year fixed-rate mortgage to buy a $500,000 house at a 5.2% interest rate, you'll pay $488,000 in interest over the life of your loan. But if you wait and buy a $450,000 house at a 6.5% interest rate, you'll end up paying $574,000 in interest over the course of your mortgage. So even though you paid less for your home, you're paying more than the difference in price due to interest over three decades. 

Scaling back your budget and looking at homes that may be smaller or in less-expensive neighborhoods is an option to consider if higher mortgage rates have made your previous housing goals unattainable.

2. Financial and personal goals 

Homeownership is still considered one of the most reliable ways to build wealth. When you make monthly mortgage payments, you're building equity in your home that you can tap into later on. When you rent, you aren't investing in your financial future the same way you are when you're paying off a mortgage.

Another factor to take into consideration is how long you plan to live in the house. If you expect to live there for a decade or longer, you'll likely be able to refinance your mortgage to a lower rate, reducing your monthly payment in the process. However, if you plan to move in a few years, it likely won't make financial sense for you to refinance. In that case, it's worth considering an adjustable-rate mortgage, which can help offset today's high mortgage rates by offering you a lower initial interest rate that only adjusts or increases later on in your mortgage term.

3. Future housing trends and recession risks

As buyer competition decreases when buying a home becomes increasingly unaffordable, it could mean that inventory opens up where you're looking. In June, the national inventory of available homes grew by 18.7% this year compared to last year. More available inventory means that you have more homes to choose from, increasing the chances you can buy something you actually want this year versus scrambling in a bidding war for whatever is available in your budget.

But there's also talk of a looming recession. If you wait to buy instead, you could avoid potentially overpaying for a home that could lose its value in an upcoming economic downturn, said Torabi. Plus, if the economy slows down, it's possible the Federal Reserve will raise interest rates less aggressively, which could benefit potential homeowners trying to lock in a better rate on their mortgage. 

Is it better to rent than buy right now? 

It depends, especially when we're dealing with an unpredictable period of high inflation. 

On one hand, if you buy a house and secure a fixed-rate mortgage, that means that no matter how much prices or interest rates go up, your fixed payment will stay the same every month. That's an advantage over renting since there's a good chance your landlord will raise your rent to counter inflationary pressures. Right now, rents are rising faster than wages, and if homebuyers are priced out of the housing market, there'll be more pressure to rent, which will increase competition. Many are already experiencing a red-hot rental market, leading to rental bidding wars and evictions. 

On the other hand, even though a fixed-rate mortgage can offer you more predictability and budget stability, "as long as inflation continues to outpace wages, there could be benefits to renting right now as the economy worsens," said Torabi. 

For example, one advantage of renting over buying is that you can save the cash you would have otherwise needed to use for a down payment. In a time of economic uncertainty, if you don't have to worry about coming up with a down payment and emptying most of your entire bank account to secure yourself a home, you can stay more liquid. Having more cash on hand can offer you added security if a recession negatively impacts your financial situation.

"It's important to know the differences in cost of owning a home versus the cost of renting," said Robert Heck, vice president of mortgages at Morty, an online mortgage marketplace. "How much is homeowners insurance going to cost? How much are the annual property taxes? Maybe you're not used to paying property taxes if you've been renting. Consider the costs that will go into maintaining a home."

Ultimately, whether you rent or buy often comes down to practical considerations like whether you need more space to start a family, or your lease is ending -- regardless of market conditions.

---

Source

Should you buy a home in 2021 should you buy a home before selling should you buy a refurbished computer should you buy travel insurance should you buy tesla stock should you buy extended warranty should you pop a blister how many eggs should you eat

Should You Buy a Home in 2022? Here's What You Need to Know

Should You Buy a Home in 2022? Here's What You Need to Know

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

After two years of a wildly hot and competitive housing market with skyrocketing home prices, there are some signs indicating that these record-high spikes might start leveling off. This past April, home price increases declined for the first time in four months, as did sales of new homes. 

But many experts note that, given the ongoing shortage of properties, home prices will still continue to go up in 2022 -- just at a slower pace. Plus, prospective new homeowners have to contend with relatively high mortgage rates, which keep monthly mortgage payments expensive. Although mortgage rates have dropped slightly since the Federal Reserve announced its fourth rate hike of the year to continue combating inflation, they're still more than 2% higher than they were at the beginning of 2022. So homebuyers should expect their mortgage payments to be higher this year, even if lessening demand decreases competition for homes.

"If we've seen the peak in inflation then we have seen the peak in mortgage rates," said Greg McBride, chief financial analyst at CNET's sister site, Bankrate. "The outlook for a weaker economy will hold sway as long as inflation pressures begin to show evidence of easing. If we get a couple months down the road and that hasn't happened, then all bets are off."

Even though mortgage rates appear to be leveling off, when taking all of these factors into account, a homebuyer will now pay almost 47% more for the same property compared with a year ago, according to Realtor.com. 

Buying a home is one of the most important money moves you'll ever make. It's an exceptionally personal decision that requires evaluating your long-term goals while making sure you're financially ready, from the down payment to interest on a home loan. Your job stability, household needs and the inventory available where you want to live all play a role in determining what makes sense for you. 

Here are the most important things to consider when buying a house in 2022, including why it might make sense to wait or to rent instead of buy. 

Key factors to consider when buying a home in 2022

Right now, home prices are still seeing double-digit growth nationwide and all-cash offers still make up around a quarter of housing bids, according to Jessica Lautz, vice president of demographics and behavioral insights at the National Association of Realtors. Does that mean you should try to hold off until prices start going down? Not necessarily.

The first thing to keep in mind is that expert predictions are imperfect. No one knows what's going to happen with the economy, even with warning signs for events like recessions. And timing the market, or trying to make decisions based on what you think will happen to prices or rates in the future, is generally not a sound strategy. "With housing, buyers tend to obsess over home values and how buying at a certain time may be better for appreciation and equity," said Farnoosh Torabi, personal finance expert and editor-at-large at CNET. "That's important, but your monthly housing payment is what really matters in the end."

Even if you have a plan, be prepared to pivot in this market. Maggie Moroney, 27, is trying to buy her first home in the Washington, D.C. area, but can't find anything affordable. Between sales and rentals, there's low inventory in both markets. 

"I probably could try to buy something, but it'd be a little bit of a stretch, especially with interest rates," she said. Moroney doesn't want to rush the decision and plans to wait it out if she doesn't find a home she likes, with the hope that more inventory will start to hit the market. "I'd rather have a rental I'm not super in love with than a home I'm not in love with."

If you're teetering between buying a home and waiting, here are some factors to keep in mind.

1. Mortgage rates and price trends

In today's housing market, high prices along with home loan rates are two of the most important factors at play. Although mortgage rates fluctuate daily, they are expected to remain between 5-6% for the rest 2022 -- though what happens next with inflation will tell where rates are headed. So far, rates are already more than 2 percentage points higher than this time a year ago and passed the 5.5% mark in June, but seem to be evening out since the announcement of the Fed's fourth rate hike in July. 

Although rates dipped slightly with the most recent interest hike, it's still important to understand how the rate you lock in for your mortgage will impact your monthly payments, as well as the total amount you'll pay over the lifetime of your loan. 

For example, if you take out a 30-year fixed-rate mortgage to buy a $500,000 house at a 5.2% interest rate, you'll pay $488,000 in interest over the life of your loan. But if you wait and buy a $450,000 house at a 6.5% interest rate, you'll end up paying $574,000 in interest over the course of your mortgage. So even though you paid less for your home, you're paying more than the difference in price due to interest over three decades. 

Scaling back your budget and looking at homes that may be smaller or in less-expensive neighborhoods is an option to consider if higher mortgage rates have made your previous housing goals unattainable.

2. Financial and personal goals 

Homeownership is still considered one of the most reliable ways to build wealth. When you make monthly mortgage payments, you're building equity in your home that you can tap into later on. When you rent, you aren't investing in your financial future the same way you are when you're paying off a mortgage.

Another factor to take into consideration is how long you plan to live in the house. If you expect to live there for a decade or longer, you'll likely be able to refinance your mortgage to a lower rate, reducing your monthly payment in the process. However, if you plan to move in a few years, it likely won't make financial sense for you to refinance. In that case, it's worth considering an adjustable-rate mortgage, which can help offset today's high mortgage rates by offering you a lower initial interest rate that only adjusts or increases later on in your mortgage term.

3. Future housing trends and recession risks

As buyer competition decreases when buying a home becomes increasingly unaffordable, it could mean that inventory opens up where you're looking. In June, the national inventory of available homes grew by 18.7% this year compared to last year. More available inventory means that you have more homes to choose from, increasing the chances you can buy something you actually want this year versus scrambling in a bidding war for whatever is available in your budget.

But there's also talk of a looming recession. If you wait to buy instead, you could avoid potentially overpaying for a home that could lose its value in an upcoming economic downturn, said Torabi. Plus, if the economy slows down, it's possible the Federal Reserve will raise interest rates less aggressively, which could benefit potential homeowners trying to lock in a better rate on their mortgage. 

Is it better to rent than buy right now? 

It depends, especially when we're dealing with an unpredictable period of high inflation. 

On one hand, if you buy a house and secure a fixed-rate mortgage, that means that no matter how much prices or interest rates go up, your fixed payment will stay the same every month. That's an advantage over renting since there's a good chance your landlord will raise your rent to counter inflationary pressures. Right now, rents are rising faster than wages, and if homebuyers are priced out of the housing market, there'll be more pressure to rent, which will increase competition. Many are already experiencing a red-hot rental market, leading to rental bidding wars and evictions. 

On the other hand, even though a fixed-rate mortgage can offer you more predictability and budget stability, "as long as inflation continues to outpace wages, there could be benefits to renting right now as the economy worsens," said Torabi. 

For example, one advantage of renting over buying is that you can save the cash you would have otherwise needed to use for a down payment. In a time of economic uncertainty, if you don't have to worry about coming up with a down payment and emptying most of your entire bank account to secure yourself a home, you can stay more liquid. Having more cash on hand can offer you added security if a recession negatively impacts your financial situation.

"It's important to know the differences in cost of owning a home versus the cost of renting," said Robert Heck, vice president of mortgages at Morty, an online mortgage marketplace. "How much is homeowners insurance going to cost? How much are the annual property taxes? Maybe you're not used to paying property taxes if you've been renting. Consider the costs that will go into maintaining a home."

Ultimately, whether you rent or buy often comes down to practical considerations like whether you need more space to start a family, or your lease is ending -- regardless of market conditions.

---

Source

Best Collagen Powders for 2022

Best Collagen Powders for 2022

Collagen is the structural protein essential in holding together the tissues of our bodies. Typically, we have plenty of collagen to go around -- it's in our tendons, muscles, skin and bones. However, collagen maintenance and production slow as we age, which leads to wrinkles and loss of bone strength.  

That's why many people turn to collagen supplements, which offer several benefits like slowing skin aging and improving bone and joint health. But there are many collagen powder options, ranging in ingredients, taste and dosage. That can make it difficult to determine which collagen powder is best. We pulled together a list of our top collagen powder picks based on price, ingredients and third-party testing. 

Read more: Best Vitamins for Hair Growth

Vital Proteins

Vital Proteins Collagen Peptides powder takes our pick for the best overall collagen powder because of its versatility and quality. It's the type of collagen powder that everyone will like, whether you're just starting or a collagen pro. With 20g of collagen per serving (2 scoops), Vital packs a punch. It supports skin, hair, nail, bone and joint health. 

The collagen in Vital is made from grass-fed, pasture-raised cattle. The powder contains extra benefits like hyaluronic acid and vitamin c for skin health. User reviews are overwhelmingly positive, praising how easily it dissolves in liquid and the results seen. 

Collagen content per serving: 20g per serving

Price: $47 for 28 servings 

Vital Collagen Powder's best features:

• Third-party tested for NSF Certified for Sport
• Vital collagen powder is certified paleo-friendly and Whole30-approved
• You get 20g of grass-fed, pasture-raised collagen in each serving. 

Things to consider: 

• Vital is priced higher than other options available. You only get 28 servings for $47. 

Orgain

If you've been around the protein powder space for a while, then you probably know Orgain and its affordable prices. Orgain's collagen powder takes our pick as the best budget collagen powder because of the balance it strikes between price and quality -- it's the most affordable on the list without sacrificing quality. 

Like many other options on the list, Orgain collagen powder is sourced from grass-fed and pasture-raised cows and includes type I and type III collagen. Collagen I is most ample in skin, bones, tendons and ligaments. Type III makes up the reticular fibers of organs and soft tissues. The only ingredient on the label is collagen peptides, which makes Orgain a great choice for those looking for a one-ingredient solution that cuts out the extra sugar or artificial additives. 

Collagen content per serving: 20g per two scoops

Price: $31.99 for 45 servings

Best features:

• The 45-day supply of Orgain collagen powder is inexpensive compared to other options.
• It's dairy- and soy-free. 
• Meets CGMPs to ensure the quality and purity of the product. 

Things to consider:

• This product doesn't contain additional nutrients like vitamin C or zinc. 

Care/of

Care/of is a popular vitamin and supplement subscription service highly regarded for personalization. When you sign up for Care/of, you take the quiz that tailors your supplement suggestions based on your diet, exercise, lifestyle and health goals. That's why it's the best collagen powder subscription available. 

The Care/of bovine collagen powder is made from grass-fed cows and supports skin hydration and elasticity. It also helps strengthen nails. Made without fillers or artificial ingredients, you can easily blend this collagen powder into your tea, coffee or smoothie. This collagen powder also includes real ingredients like organic lemon and vanilla. 

Collagen content per serving: 10g per two scoops

Cost: $24 for 15 servings

Care/of best features:

• Care/of has a handy app that you can use to track your supplement routine and recommended dosages. 
• The helpful Care/of quiz is easy to take. Your results suggest supplements based on your diet, lifestyle, exercise routine and goals. 
• This collagen powder is dairy- and gluten-free.

Things to consider:

• The unflavored Care/of collagen powder comes in 15-serving containers and costs $24. It's more expensive than other options. However, you get free shipping on orders over $20.
• The flavored collagen powders from Care/of are more expensive. The matcha, vanilla oat creamer and lemon passion fruit cost $32.

Further Food

Sometimes you want your collagen powder to be seen but not tasted. If you're adding collagen powder to a smoothie or coffee and don't want to taste or smell it, consider Further Food Collagen Peptides. 

This unflavored collagen powder is hydrolyzed, meaning it's broken down into amino acids that your body can absorb more easily. You don't have to worry about fillers or artificial sweeteners with Further Food Collagen Peptides; the only ingredient is hydrolyzed bovine collagen. You'll get both types I and III collagen in this product. 

Further Food shines in testing, which is why it's one of the best collagen powders you can get. Not only is it rigorously tested for purity, but it's also third-party tested to ensure that the quality and potency of each bottle are what's advertised. The facilities that Further Food uses to produce this collagen supplement meet cGMP standards. 

Collagen content per serving: 8000mg (8g) of collagen peptides 

Cost: $24.99 for 28 servings 

Further Food Collagen best features: 

• It's available in one-month, three-month supplies and single-stick packs.
• Third-party tested and made in cGMP-certified facilities. 

Things to consider:

• The dosage of collagen per serving is slightly lower than other products at only 8g. Though a serving is only one scoop, others have a serving size of two scoops for 20g.

Ancient Nutrition

If you're someone who likes your healthy choices to taste good, try Ancient Nutrition Multi Collagen Protein Powder. The vanilla and chocolate flavors are fan favorites, but they have unique flavors like cold brew, strawberry lemonade and cucumber lime. This collagen powder is made from grass-fed, cruelty-free and non-GMO sources.

It includes hydrolyzed bovine collagen. Hydrolyzed collagen is easier for your body to absorb because it's already broken down into amino acids. Ancient Nutrition collagen powder also includes vitamin C, hydrolyzed bovine and fish collagen peptides. 

You get 10g of collagen per serving, which is only one scoop. Some of the options on the list have a higher serving size that includes more collagen. Ancient Nutrition collagen powder has an average amount of collagen per serving -- there are options with more or less. 

Collagen content per serving: 10g per serving

Cost: $49.95 for 45 servings 

Ancient Nutrition's best features:

• Ancient Nutrition stands out for flavor variety. 
• This collagen powder includes several collagen sources -- bovine hide, fermented eggshell membrane and fish collagen peptides. 
• It's a budget-friendly option. 

Things to consider: 

• With flavors like cucumber lime and strawberry lemonade, the taste is not for everyone. 

Momentous

Athletes must pay special attention to the supplements they buy to ensure they don't contain banned substances. Momentous Collagen Peptides boasts an NSF Certified for Sport label, which means it has been tested and proven to not contain any illegal substances. NSF is the gold standard for supplements.

Each serving delivers 11.6g of collagen from grass-fed bovine collagen and Fortigel® collagen. Fortigel® collagen is a patented collagen peptide that promotes collagen production in important areas like tendons and ligaments, which is essential for athletes. Momentous collagen powder also includes vitamin C. 

Collagen per serving: 11.6g per one scoop

Price: $49.50 for 30 servings 

Momentous collagen's best features: 

• Momentous is designed to target more than just skin and hair. It contributes to long-term tendon and joint strength. 
• It's GMO- and gluten-free. 

Certifications include NSF Certified for Sport and Informed Sport.

Things to consider:

• Momentous Collagen Peptides powder is a little more expensive than other options on the list.

Garden of Life

All collagen supplements are derived from animal sources. Garden of Life mykind Organics Collagen Builder doesn't include any collagen. However, it includes key nutrients like vitamins A and C to help your body produce collagen naturally. It's a good option for vegetarians and vegans who want to increase collagen. Garden of Life's collagen builder is made from organic plant and tea extracts. It also includes 2,500mcg of biotin to improve the health of your nails and hair. 

Collagen content: None 

Price: $27.99 for 30 servings 

Best features:

• Garden of Life shines in product testing. It is USDA organic, vegan, and NSF-certified.
• It's a good option for vegans and vegetarians who want to boost their collagen production without taking collagen.

Things to consider:

• This product does not contain collagen. 
• There are additives like tea extracts in this collagen booster. 

How we chose the best collagen powders

The FDA doesn't regulate the supplement industry before it gets to consumers. This means that there are fewer requirements placed on the products. To supplement this, I looked at third-party tests that vouch for the products' quality and purity. Cost and collagen content were also considered when selecting the best collagen powders. 

Frequently asked questions

Should you take collagen powders?

Collagen powders have gained popularity for the various benefits for hair, nail and skin health and strengthening bone density. Typically, most people can take collagen powders without any negative side effects. However, if you have a food allergy, you should pay special attention to the ingredients label, as many of the best collagen powders include dairy, soy and eggs. 

Those who shouldn't take true collagen powders are vegans and vegetarians. The collagen powders available on the market are made from animals or fish. Vegan supplements help the body produce collagen, though they do not contain any collagen powder. 

Things to consider when shopping for collagen powders:

• Third-party testing: Given the lack of FDA regulations, third-party certifications like Current Good Manufacturing Practice regulations, National Sanitation Foundation and Informed-Sport Certification help establish the quality and purity of the product. 
• Price: There are various price points across the collagen market. 
• Ingredients: Make sure to carefully read the ingredient label to see what is included in the collagen powder. Common additives include vitamin C and zinc. It's important to check the recommended daily value of these ingredients to ensure you're not getting too much of anything.
• Type of collagen: Collagen is derived from animal sources -- typically porcine, bovine, eggshell and marine. 

Is collagen powder vegan?

No collagen powder on the market today is vegan. Currently, all products that contain collagen are made from animal sources. Vegetarians and vegan options are available, though they do not contain collagen. Instead, they include vitamins and minerals that help boost your body's collagen production. 

What are the different types of collagen supplements?

Collagen powders are typically favored because they deliver the most potent doses. However, other forms of collagen are available -- liquid collagen, collagen pills and collagen gummies. All of these options have a lower dosage than collagen powders. 

How long does it take for collagen supplements to work?

Research suggests that collagen benefits like skin hydration and elasticity can be noticeable as early as four weeks or as long as 12. How quickly results take effect will vary by person. With collagen products, progress is measured in months, not weeks. 

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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Source

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Best Collagen Powders for 2022

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Best Collagen Powders for 2022

Collagen is the structural protein essential in holding together the tissues of our bodies. Typically, we have plenty of collagen to go around -- it's in our tendons, muscles, skin and bones. However, collagen maintenance and production slow as we age, which leads to wrinkles and loss of bone strength.  

That's why many people turn to collagen supplements, which offer several benefits like slowing skin aging and improving bone and joint health. But there are many collagen powder options, ranging in ingredients, taste and dosage. That can make it difficult to determine which collagen powder is best. We pulled together a list of our top collagen powder picks based on price, ingredients and third-party testing. 

Read more: Best Vitamins for Hair Growth

Vital Proteins

Vital Proteins Collagen Peptides powder takes our pick for the best overall collagen powder because of its versatility and quality. It's the type of collagen powder that everyone will like, whether you're just starting or a collagen pro. With 20g of collagen per serving (2 scoops), Vital packs a punch. It supports skin, hair, nail, bone and joint health. 

The collagen in Vital is made from grass-fed, pasture-raised cattle. The powder contains extra benefits like hyaluronic acid and vitamin c for skin health. User reviews are overwhelmingly positive, praising how easily it dissolves in liquid and the results seen. 

Collagen content per serving: 20g per serving

Price: $47 for 28 servings 

Vital Collagen Powder's best features:

• Third-party tested for NSF Certified for Sport
• Vital collagen powder is certified paleo-friendly and Whole30-approved
• You get 20g of grass-fed, pasture-raised collagen in each serving. 

Things to consider: 

• Vital is priced higher than other options available. You only get 28 servings for $47. 

Orgain

If you've been around the protein powder space for a while, then you probably know Orgain and its affordable prices. Orgain's collagen powder takes our pick as the best budget collagen powder because of the balance it strikes between price and quality -- it's the most affordable on the list without sacrificing quality. 

Like many other options on the list, Orgain collagen powder is sourced from grass-fed and pasture-raised cows and includes type I and type III collagen. Collagen I is most ample in skin, bones, tendons and ligaments. Type III makes up the reticular fibers of organs and soft tissues. The only ingredient on the label is collagen peptides, which makes Orgain a great choice for those looking for a one-ingredient solution that cuts out the extra sugar or artificial additives. 

Collagen content per serving: 20g per two scoops

Price: $31.99 for 45 servings

Best features:

• The 45-day supply of Orgain collagen powder is inexpensive compared to other options.
• It's dairy- and soy-free. 
• Meets CGMPs to ensure the quality and purity of the product. 

Things to consider:

• This product doesn't contain additional nutrients like vitamin C or zinc. 

Care/of

Care/of is a popular vitamin and supplement subscription service highly regarded for personalization. When you sign up for Care/of, you take the quiz that tailors your supplement suggestions based on your diet, exercise, lifestyle and health goals. That's why it's the best collagen powder subscription available. 

The Care/of bovine collagen powder is made from grass-fed cows and supports skin hydration and elasticity. It also helps strengthen nails. Made without fillers or artificial ingredients, you can easily blend this collagen powder into your tea, coffee or smoothie. This collagen powder also includes real ingredients like organic lemon and vanilla. 

Collagen content per serving: 10g per two scoops

Cost: $24 for 15 servings

Care/of best features:

• Care/of has a handy app that you can use to track your supplement routine and recommended dosages. 
• The helpful Care/of quiz is easy to take. Your results suggest supplements based on your diet, lifestyle, exercise routine and goals. 
• This collagen powder is dairy- and gluten-free.

Things to consider:

• The unflavored Care/of collagen powder comes in 15-serving containers and costs $24. It's more expensive than other options. However, you get free shipping on orders over $20.
• The flavored collagen powders from Care/of are more expensive. The matcha, vanilla oat creamer and lemon passion fruit cost $32.

Further Food

Sometimes you want your collagen powder to be seen but not tasted. If you're adding collagen powder to a smoothie or coffee and don't want to taste or smell it, consider Further Food Collagen Peptides. 

This unflavored collagen powder is hydrolyzed, meaning it's broken down into amino acids that your body can absorb more easily. You don't have to worry about fillers or artificial sweeteners with Further Food Collagen Peptides; the only ingredient is hydrolyzed bovine collagen. You'll get both types I and III collagen in this product. 

Further Food shines in testing, which is why it's one of the best collagen powders you can get. Not only is it rigorously tested for purity, but it's also third-party tested to ensure that the quality and potency of each bottle are what's advertised. The facilities that Further Food uses to produce this collagen supplement meet cGMP standards. 

Collagen content per serving: 8000mg (8g) of collagen peptides 

Cost: $24.99 for 28 servings 

Further Food Collagen best features: 

• It's available in one-month, three-month supplies and single-stick packs.
• Third-party tested and made in cGMP-certified facilities. 

Things to consider:

• The dosage of collagen per serving is slightly lower than other products at only 8g. Though a serving is only one scoop, others have a serving size of two scoops for 20g.

Ancient Nutrition

If you're someone who likes your healthy choices to taste good, try Ancient Nutrition Multi Collagen Protein Powder. The vanilla and chocolate flavors are fan favorites, but they have unique flavors like cold brew, strawberry lemonade and cucumber lime. This collagen powder is made from grass-fed, cruelty-free and non-GMO sources.

It includes hydrolyzed bovine collagen. Hydrolyzed collagen is easier for your body to absorb because it's already broken down into amino acids. Ancient Nutrition collagen powder also includes vitamin C, hydrolyzed bovine and fish collagen peptides. 

You get 10g of collagen per serving, which is only one scoop. Some of the options on the list have a higher serving size that includes more collagen. Ancient Nutrition collagen powder has an average amount of collagen per serving -- there are options with more or less. 

Collagen content per serving: 10g per serving

Cost: $49.95 for 45 servings 

Ancient Nutrition's best features:

• Ancient Nutrition stands out for flavor variety. 
• This collagen powder includes several collagen sources -- bovine hide, fermented eggshell membrane and fish collagen peptides. 
• It's a budget-friendly option. 

Things to consider: 

• With flavors like cucumber lime and strawberry lemonade, the taste is not for everyone. 

Momentous

Athletes must pay special attention to the supplements they buy to ensure they don't contain banned substances. Momentous Collagen Peptides boasts an NSF Certified for Sport label, which means it has been tested and proven to not contain any illegal substances. NSF is the gold standard for supplements.

Each serving delivers 11.6g of collagen from grass-fed bovine collagen and Fortigel® collagen. Fortigel® collagen is a patented collagen peptide that promotes collagen production in important areas like tendons and ligaments, which is essential for athletes. Momentous collagen powder also includes vitamin C. 

Collagen per serving: 11.6g per one scoop

Price: $49.50 for 30 servings 

Momentous collagen's best features: 

• Momentous is designed to target more than just skin and hair. It contributes to long-term tendon and joint strength. 
• It's GMO- and gluten-free. 

Certifications include NSF Certified for Sport and Informed Sport.

Things to consider:

• Momentous Collagen Peptides powder is a little more expensive than other options on the list.

Garden of Life

All collagen supplements are derived from animal sources. Garden of Life mykind Organics Collagen Builder doesn't include any collagen. However, it includes key nutrients like vitamins A and C to help your body produce collagen naturally. It's a good option for vegetarians and vegans who want to increase collagen. Garden of Life's collagen builder is made from organic plant and tea extracts. It also includes 2,500mcg of biotin to improve the health of your nails and hair. 

Collagen content: None 

Price: $27.99 for 30 servings 

Best features:

• Garden of Life shines in product testing. It is USDA organic, vegan, and NSF-certified.
• It's a good option for vegans and vegetarians who want to boost their collagen production without taking collagen.

Things to consider:

• This product does not contain collagen. 
• There are additives like tea extracts in this collagen booster. 

How we chose the best collagen powders

The FDA doesn't regulate the supplement industry before it gets to consumers. This means that there are fewer requirements placed on the products. To supplement this, I looked at third-party tests that vouch for the products' quality and purity. Cost and collagen content were also considered when selecting the best collagen powders. 

Frequently asked questions

Should you take collagen powders?

Collagen powders have gained popularity for the various benefits for hair, nail and skin health and strengthening bone density. Typically, most people can take collagen powders without any negative side effects. However, if you have a food allergy, you should pay special attention to the ingredients label, as many of the best collagen powders include dairy, soy and eggs. 

Those who shouldn't take true collagen powders are vegans and vegetarians. The collagen powders available on the market are made from animals or fish. Vegan supplements help the body produce collagen, though they do not contain any collagen powder. 

Things to consider when shopping for collagen powders:

• Third-party testing: Given the lack of FDA regulations, third-party certifications like Current Good Manufacturing Practice regulations, National Sanitation Foundation and Informed-Sport Certification help establish the quality and purity of the product. 
• Price: There are various price points across the collagen market. 
• Ingredients: Make sure to carefully read the ingredient label to see what is included in the collagen powder. Common additives include vitamin C and zinc. It's important to check the recommended daily value of these ingredients to ensure you're not getting too much of anything.
• Type of collagen: Collagen is derived from animal sources -- typically porcine, bovine, eggshell and marine. 

Is collagen powder vegan?

No collagen powder on the market today is vegan. Currently, all products that contain collagen are made from animal sources. Vegetarians and vegan options are available, though they do not contain collagen. Instead, they include vitamins and minerals that help boost your body's collagen production. 

What are the different types of collagen supplements?

Collagen powders are typically favored because they deliver the most potent doses. However, other forms of collagen are available -- liquid collagen, collagen pills and collagen gummies. All of these options have a lower dosage than collagen powders. 

How long does it take for collagen supplements to work?

Research suggests that collagen benefits like skin hydration and elasticity can be noticeable as early as four weeks or as long as 12. How quickly results take effect will vary by person. With collagen products, progress is measured in months, not weeks. 

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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5 ways the world will change in 2022: CNET's predictions for the year ahead

5 ways the world will change in 2022: CNET's predictions for the year ahead

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

Even before the momentous events of 2020 and 2021 shook up the planet, the tectonic plates of culture, society and technology were already shifting and reshaping the world. The pandemic took those changes and accelerated them, exacerbated them, and in some cases, threw them into chaos. 

As we speed into 2022, one question remains: Where are we headed next?

In tech, health, money, transportation, home and family life, we can be confident of one fact: Things are changing, fast. As in years past, CNET has its finger on the pulse of the ever evolving world and we're confident our CNET: The Year Ahead stories will help you navigate these choppy waters.

During this three-week series -- which will include CES -- we'll especially tackle five themes that will shape 2022.

1. The pandemic and the future of health

COVID-19 largely caught the world by surprise. When the World Health Organization declared the pandemic on March 11, 2020, few of us suspected that it would lead to two years of shutdowns, social distancing and disruptions. Things appeared to be normalizing in mid-2021, but then the Delta variant -- and later the Omicron variant -- touched off renewed shutdowns.

Will 2022 be the year that COVID-19 transitions from a pandemic to an endemic? That's what we're all hoping, of course, but there's no going back to 2019. For example, expect more of the world to follow Asia's lead, where people have been wearing masks in public for years if they were sick (out of courtesy to the people around them) or immunocompromised. 

And, healthcare will never be the same post-pandemic. Expect telehealth to become commonplace now that a lot more people have been exposed to using video calls for health visits. And the COVID-19 vaccine will forever change the way vaccines (and potentially other therapies) are created. It's not unusual for vaccines to take a decade to develop, but these were created in 10 months using genetics and mRNA technology. This could prove to be one of the most important medical breakthroughs of the century.

2. Hybrid work and the 'Great Resignation'

Work and school were perhaps the most disrupted aspects of life during the pandemic. While schools largely returned in-person, work has been a far slower process. Many employees have decided that they prefer the work/life balance of remote work and many have migrated to be closer to family or moved farther away from city centers to have more space and fresh air.

Meanwhile, many employers have become infatuated with the productivity gains of remote work and the ability to scale down their commercial real estate holdings for significant cost savings. 

The most surprising trend that's likely to continue to gain steam in 2022 is the Great Resignation. More people are quitting their jobs and reprioritizing their lives than ever -- CNET's Farnoosh Torabi even has advice. In December, the US Labor Department reported that the number of people quitting their jobs remains at record high levels. How could we go through something as jarring as the pandemic for the past two years and not be changed by it? The Great Resignation is just one example of how those changes are manifesting themselves. 

3. Crypto, inflation and what's next for your finances 

Money and personal finance also remain in the midst of tectonic shifts. In November, inflation hit its highest level since 1982 at 6.8%. The inflation of real estate and cars will be closely watched in 2022, after eye-watering numbers in 2021. The stock market's bull run looks likely to continue with interest rates at such low levels, but its volatile swings are getting more pronounced. There's a big question about whether tech and other growth stocks have run out of steam or are getting ready for another run. 

Speaking of growth, cryptocurrencies have been breaking new highs and attracting more interest. The crypto exchange app Coinbase passed TikTok and YouTube to become the most downloaded app in Apple's App Store a couple times during 2021. Some view the world's most popular cryptocurrency, Bitcoin, as a hedge against inflation. Politicians, athletes and others started taking their paychecks in Bitcoin in 2021. We'll see if your employer will offer you that option in 2022.

4. Space, travel and the next internet

One of 2022's most dramatic developments is the new space race. China and Russia are collaborating on a future moon base (in 2030) as well as landing a robot on an asteroid (in 2024). Not to be outdone, NASA announced its next 10 future astronauts in December with ambitions for a future Moon mission.

Private space companies SpaceX, Blue Origin and Virgin Galactic all sent civilians into space in 2021, and they are all teasing the promise of a future of space tourism. Their ambitions will get bigger in 2022. This will be the year that SpaceX plans to put its Starship reusable rocket and space vehicle into flight for its first missions. Speaking about Starship, SpaceX CEO Elon Musk said, "This is a profound revolution in access to orbit. There has never been a fully reusable, orbital launch vehicle. This is the holy grail of space technology. It is the fundamental breakthrough that is necessary for humanity to become a space-faring civilization." 

Meanwhile, SpaceX's StarLink and Blue Origin and Amazon's Project Kuiper will launch thousands of low orbit satellites into the atmosphere in 2022. Their mission to bring fast, reliable broadband internet at a reasonable price to every corner of the planet is a welcome advance. But, the side effect is tons of space debris that could disrupt astronomers' telescopes, collide with spacecraft and create massive amounts of space junk. Apparently, they've never watched the movie Wall-E.

5. The EV has arrived -- and it means business

Electric vehicles, or EVs, are poised for a huge year in 2022 after a number of breakthroughs in 2021, including the Tesla Model 3 becoming the bestselling vehicle in Europe in September. The writing is on the wall for fossil fuel-burning vehicles. The US will discontinue purchases of gas-powered vehicles by 2035, the UK will do so by 2030 and a broader coalition of countries have set 2040 as a global date for ending fossil fuel vehicles.

Musk, also the CEO of Tesla, predicted that the Tesla Model Y compact SUV will become the bestselling vehicle worldwide in terms of revenue in 2022 -- beating out the Ford F-150 pickup and the Toyota Corolla compact. But the biggest EV story of 2022 is likely to be the transition in trucks, with the Chevy Silverado EV, Ford F-150 Lightning, Tesla Cybertruck and Rivian R1T dominating the headlines. 

Consumers should also keep in mind that a gas-powered vehicle you buy today could have its resale value drop steeply in the years ahead as demand plummets because of people transitioning away from old combustion engine technology to EVs.

The future

The changes sweeping across the planet will not slow down in 2022, even if the COVID-19 pandemic finally recedes to become endemic. Beyond the five big themes mentioned above, CNET: The Year Ahead will cover a wide range of topics to help you get your head around what's coming.

We'll leave you with one last topic you should expect to hear a lot about in 2022: the metaverse. Plenty of us would love to step into a version of the holodeck from Star Trek, and it's hard not to notice the explosion of online gaming during the pandemic. But let's keep our metaverse expectations low for 2022. A lot of work needs to be done to build better virtual reality headsets and an ecosystem of truly immersive virtual worlds. If we get a few encouraging glimpses of the metaverse in 2022, we should count ourselves pretty happy.

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Test pilots. Engineers. Physicists. A US National Team cyclist. A SpaceX flight surgeon. NASA announced its 2021 class of 10 future astronauts on Monday, and they're a diverse group of high achievers. NASA calls them the "Artemis generation" because they're likely to be heavily involved in future Artemis-program missions to the moon.

"The women and men selected for the new astronaut class represent the diversity of America and the career paths that can lead to a place in America's astronaut corps," the space agency said in a statement.

NASA's candidates, the first ones since 2017, were chosen out of a pool of over 12,000 applicants and received their official introductions during an event near the Johnson Space Center in Houston. You can watch the replay here:

The candidates will kick off two years of intensive training in January. They will learn how to operate equipment for the International Space Station, prepare for spacewalks, advance their robotic skills, learn or improve their Russian language and operate a training jet. The reward for all that work could be trips not just to orbit, but possibly all the way to the moon.

Nichole Ayers is a major in the US Air Force and a combat aviator with experience in the F-22 fighter jet. "Ayers led the first ever all-woman formation of the aircraft in combat," NASA said.

Marcos Berrios, also a major in the US Air Force, is from Puerto Rico. Berrios is a test pilot and aerospace engineer. 

Christina Birch has a doctorate in biological engineering from MIT and is a track cyclist on the US National Team.

Deniz Burnham is a lieutenant in the US Navy and a former intern at NASA's Ames Research Center in California. Burnham has a background in mechanical engineering and experience as a drilling-projects manager.

This patriotic view shows an American flag with the SLS rocket at NASA's Kennedy Space Center. SLS will power the Artemis moon missions.

NASA/Frank Michaux

Luke Delaney is a retired major in the Marine Corps with experience as a naval aviator and test pilot. Delaney is familiar with NASA after having worked as a research pilot at the agency's Langley Research Center.

Andre Douglas has a collection of engineering degrees from multiple universities. "Douglas served in the US Coast Guard as a naval architect, salvage engineer, damage control assistant, and officer of the deck," NASA said.

Jack Hathaway, a Navy commander, is a distinguished aviator with "more than 2,500 flight hours in 30 types of aircraft." 

Anil Menon also has an Air Force background and was SpaceX's first flight surgeon. "Menon is an actively practicing emergency medicine physician with fellowship training in wilderness and aerospace medicine," NASA said.

Christopher Williams is a medical physicist and researcher studying image guidance techniques for cancer treatments.

Jessica Wittner, a lieutenant commander in the Navy, spent her military career as an aviator and test pilot. 

Most of the candidates are in their 30s. Delaney and Menon are in their 40s. NASA has stringent requirements for its future astronauts. They must be US citizens, pass a rigorous, long-duration flight astronaut physical, and hold a master's degree in a science, technology, engineering or math field, along with at least three years of related experience.

Each candidate spoke briefly during the event. Many of them talked about people who inspired them, the excitement of space exploration and the importance of teamwork. Berrios took a different route. He said he would like NASA to scale up the Ingenuity Mars helicopter to carry people, though that's probably a pipe dream.

NASA is hoping to launch its first uncrewed Artemis I test mission next year. Berrios may not get to fly a helicopter on Mars, but he might touch his boots down on the moon one day. 

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Which smart home gadget should you buy first?

Which smart home gadget should you buy first?

Smart home tech is nothing new -- hobbyists have been geeking out over home automation for decades now -- but in recent years, it's marched closer to the mainstream than ever before. In recent years, high-profile connected home gadgets like the Amazon Echo, the Nest Learning Thermostat and the Ring Video Doorbell have all become breakout hits by offering attractive designs and tangible benefits, many of them at prices that aren't unreasonably high.

The result? A mainstream smart home market with an awful lot of momentum. In 2018, a GfK study found that over half of US households now include at least one smart home gadget. Over a third of them include two or more.

Of course, that leaves about half of us who still haven't bought in. Many might be put off at the thought of connecting everything under their roof and sharing data picked up by sensors, security cameras and microphones with Silicon Valley -- but with a wide variety of smart devices available in your local hardware store, others simply might not know where to start. To that end, here's a look at how to answer a not-so-simple question: Which smart home product should you buy first?

Disclosure: CNET may get a share of revenue from purchases made through the links on this page.  

Plan for a purpose-driven smart home

Ask yourself: What do you want from your smart home? As a guy who listens to pitches for the latest smart home technology day in and day out, I can assure you that you've got lots of options. Do you want to keep an eye on things with a do-it-yourself security system and camera feeds you can check from your phone? Do you want simple conveniences like voice controls for your lights and thermostats? Do you want artificial intelligence and cloud-connected appliances to help freshen things up in the kitchen?

To figure out what you want, think about the things you do at home on a daily basis and look for improvements that you'd find meaningful. Do you tend to wander from room to room before bed turning off lights that the kids left on? Smart bulbs that you can turn off with a single voice command or tap on your phone might make sense. Do you shop online a lot, and worry about thieves stealing packages off your porch while you're at work? A video doorbell with a feed you can view remotely might be a good fit.

For my money, I think smart lighting is a sensible starting point for almost everyone. After all, we use the lights in our home more than just about anything else -- adding in things like motion-activated lights for the exterior of your home or automatic wake-up fades that sync with your morning alarms make a lot of sense, because you'll enjoy them day in and day out. For more on why it's a great time to try smart lights, click here.

Value versatility

If nothing specific jumps out at you and you just have a general curiosity about what the smart home might have to offer, then look for flexible, multifunctional devices that you can use in lots of different ways. A small smart speaker like the Amazon Echo Dot or Google Home Mini is a great way to see what artificially intelligent in-home helpers like Alexa and Google Assistant are capable of, and neither one will cost you more than $50. The WeMo Mini smart switch from Belkin is even cheaper, and it'll let you automate anything you plug into it -- lamps, desk fans, crock pots, space heaters, you name it.

The WeMo Mini Smart Switch from Belkin is a versatile little gadget that automates anything you plug into it. Available for just $30, it's a good, low-risk step into the smart home.

Tyler Lizenby/CNET

As always, when in doubt, start small. Once you find a product that you like, you can start to build around it by adding in other, compatible gadgets capable of making it even smarter and contributing some unique appeal of their own. Our smart home compatibility tracker can be a really helpful tool to that end.

Ponder your platform options

If you're buying a new computer, you'll need to decide which operating system you'd like to use -- Mac, Windows, Chromebook, etc. Smart home tech is similar in that a majority of the most popular gadgets are designed to work within a wider ecosystem of devices -- the most common being voice control platforms like Amazon Alexa, Google Assistant and the Siri controls that come with Apple HomeKit. Control hubs from names like Wink and Samsung SmartThings offer dedicated platforms capable of helping different devices get along, too. You could also keep things working together by sticking to gadgets that work with IFTTT, a free, online automation platform.

Understanding the strengths and weaknesses of each of those options can go a long way toward helping you build out a smart home setup that makes sense for you, particularly if you're planning on using multiple types of gadgets. The smart home is just better when things work together.

That said, most devices offer their own dedicated apps and controls, and can be used independent of any broader platforms right out of the box. That means that you don't necessarily need to make any commitments right away. On top of that, a growing number of products support multiple platforms. Starting with smart devices like those can help you keep your options open if you're undecided for now.

I'll add that each platform has its own security certification process designed to keep insecure, vulnerable hardware out of the mix -- that means that a product that works with multiple platforms has essentially gotten multiple passing grades from names like Apple, Amazon, Google and Samsung, all of which have a lot at stake when it comes to keeping their respective platforms secure. 

Here are a few quick suggestions that fit the bill:

Available with two bulbs or four, Philips Hue's white-light smart bulb starter kit is relatively affordable, and it's easy to use and build upon -- plus, it works with just about everything you could imagine.

Ry Crist/CNET

Smart lights

Along with automating whatever you plug into the side of it, the iDevices Switch will monitor your energy use and double as a multicolor nightlight, and it works with Apple HomeKit, Amazon Alexa and the Google Assistant.

Tyler Lizenby/CNET

Smart plugs

Available for $100 and packed with helpful features, the Honeywell Lyric T5 is one of our favorite smart thermostat value picks, and it works with a wide variety of platforms.

Chris Monroe/CNET

Smart thermostats

The Kwikset Obsidian is a keyless smart lock that supports a number of platforms, including Amazon Key for in-home package delivery.

Tyler Lizenby/CNET

Smart locks

I'd also add that if you have any interest in voice controls, then starting off with either an Amazon Echo Dot or a Google Home Mini is one of the smart home's biggest no-brainers. Even if you ignore the smart home integrations that let Alexa or the Google Assistant control things like lights and thermostats, each device is arguably worth the $50 asking price for the voice-activated music, podcasts, news headlines and cooking timers alone.

Do your homework

The best way to pick the right gadgets for your home is to understand what all of the different options have to offer and narrow things down accordingly. With such a huge variety of alternatives battling it out in a complex arena of competing platforms and standards, doing so can get confusing in a hurry.

But hey, that's where we come in! Our product reviews, best-of lists, buying guides, how-to content, explainer posts and featured dispatches from the CNET Smart Home are all aimed at helping you understand what a more connected living space has to offer (and where it falls short). If you're looking for ideas as to how you might put a smarter home to work, we'll help you brainstorm. If you're stuck trying decide between two seemingly identical gadgets, we can help with that, too. If you want to dive deeper into privacy and security concerns before buying in, we've got you covered.

Bottom line: There's never been a better time to try your hand at home automation. Explore your options, and you'll find plenty of ways to start your smart home off right.

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