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Get a new Mac? Here's what you need to know about setting it up

Get a new Mac? Here's what you need to know about setting it up

Apple's newest computers -- MacBook Air, MacBook Pro and Mac Mini -- are fast, have impressive battery life and can even run iPhone apps. The difference between this crop and previous models? These are powered by the Apple Silicon M1 processor. It's the same kind of processor the company uses in the iPhone and iPad. If you spoiled yourself and picked up a new Mac this holiday season, or were lucky enough to get one as a gift, don't rush through the setup process. 

Whether you're replacing a worn-down MacBook or getting rid of a tired PC, it's only natural to want to tear open the box, hit the power button and cruise through the setup prompts. But before you do that, take a deep breath and a step back. There are some things you need to know about setting up a Mac.

For starters, the process can take several hours if you plan on transferring your data from another computer. Then there are other things to consider: Do you need FileVault? How can you get information off of your old Mac or PC and onto the new one? Those questions are exactly why we're here.

There's something special about getting a new computer. 

Dan Ackerman/CNET

What you'll need

Make sure to set aside around an hour to get your Mac set up. The process will take longer if you plan on restoring your Mac from a Time Machine backup of another Mac.

In addition to a reliable internet connection, you'll need your Wi-Fi network information, your Apple ID username and password, and the Mac's charger or power cord. 

Having a piece of paper and a pen nearby is helpful. During the setup process, you'll be asked to create a user account, which includes a username and password. We don't recommend storing passwords on paper -- it's much safer to use a password manager -- but a piece of paper is helpful for temporarily storing this kind of information until you can enter it into your password manager. Just make sure to destroy the piece of paper when you're done. 

Once you have everything in order, connect the charger or power cord to your Mac and turn it on. 

Setting up a new Mac isn't hard, but it can take some time. 

Apple

Apple's Setup Assistant walks you through most of the process

The first time your Mac turns on, a setup assistant will greet you. The assistant will walk you through selecting your country and language, and connecting the Mac to the internet. You'll also be tasked with creating a user account on the Mac and signing into your Apple ID. 

Throughout the process you'll be asked if you want to enable services like FileVault, iCloud Keychain or Find My Mac. You'll also be asked if you want to enable Siri or provide any logs to developers when issues are detected. Here's what some of those features mean for you.

FileVault encrypts your Mac's hard drive to prevent unauthorized access to the information you store on it. If you aren't sure, you can always enable or disable it in the future.

iCloud Keychain is Apple's password manager that's built into all of its devices. If you use iCloud Keychain on an iPhone ($500 at Best Buy) or iPad ($176 at Amazon), those usernames and passwords will also be available on your Mac. iCloud Keychain also stores your Wi-Fi network credentials, meaning you won't have to log into a Wi-Fi network on your Mac if you've previously connected to it on your iPhone. It's a good idea to turn on iCloud Keychain. 

Find My Mac works with the Find My app to help you track down a lost Apple device. I recommend turning on Find My Mac, even for a rig as large as an iMac ($990 at Best Buy) that's less likely to disappear, because you never know when you might end up with a lost or stolen MacBook. There's no drawback to turning it on.

If you have a MacBook, you'll also be tasked with setting up Touch ID, the fingerprint reader that unlocks your computer, lets you sign into apps or approve Apple Pay purchases. All of it is pretty straight-forward, just continue to follow the prompts, entering any required information such as your Apple ID or creating a user name, to finish the core of the setup process. 

Migration Assistant makes it easy to transfer all of your information. 

Apple

Restore from a Time Machine Backup

During setup, you'll be asked if you want to restore your new Mac from a Time Machine backup of another Mac through Migration Assistant. If so, you'll need the storage device your Time Machine backup is stored on. 

If you haven't backed up your old Mac through Time Machine, it's not too late. We have a guide that walks you through the process. Or if you'd rather directly transfer your files and settings from one Mac to another, Migration Assistant can do that, too. 

Follow the prompts in the Migration Assistant tool, selecting that you want to transfer your information from a Time Machine backup. Select the Time Machine drive that's connected to your new Mac, and select the most recent backup.  

Next, you'll be asked to confirm which information you want to transfer -- including home folders, applications, settings, user accounts and other miscellaneous documents. 

The process can take several hours, depending on how much you have to transfer. If it's going to be awhile, you don't have to babysit it. It's perfectly fine to leave your computer and go watch a show, let it process overnight, or even run some errands. 

One thing to keep in mind, and Migration Assistant will remind you if you run into this, is that your new Mac needs to be on the same OS update as your old Mac (or vice versa). So you may have to finish the setup process without using Migration Assistant, then update your OS (directions covering how to do that are below), and then run Migration Assistant. 

If you're switching from a PC to a Mac, you can use Apple's Migration Assistant, but the process is a little bit more involved and technical (just at the beginning). Apple walks you through the process in this support article. 

Once you have your Mac all set up, it's time to get to work! 

Sarah Tew/CNET

Install any software updates

Once you've completed the Setup Assistant and find yourself looking at your Mac's desktop, it's a good idea to check for any pending software updates. 

To do that, click on the Apple logo in the top-left corner of the screen followed by System Preferences > Software Update. 

Once your Mac's software is up to date, you'll also want to check and make sure all of the preinstalled apps are updated in the App Store. Find the App Store icon in the app dock along the bottom of your screen. Click on it to open the App Store and then select Updates and then update any apps with pending updates. 

Now that you have your Mac all set up, it's a good idea to be prepared for any hiccups you may run into. Here are system tweaks you may want to make right away. If this is the first time you've used MacOS Big Sur, we have plenty of tips to help you get started. When your Mac inevitably slows down, learn how to speed it back up again. 

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Source

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The Worst Credit Card Mistakes You Should Stop Making

The Worst Credit Card Mistakes You Should Stop Making

There are several important benefits of using a credit card to shop. You can earn rewards, build your credit and take advantage of travel points and perks. But while shopping with a credit card can be convenient, there are also certain risks you need to be aware of.

If you pay a card late or don't pay your balance in full, you can incur fees and extra interest charges that make your purchases more expensive in the long run, especially considering today's rising interest rates, fueled by skyrocketing inflation. You could also wind up jeopardizing your credit score, which could make it harder to buy a house or get a loan.

So what are the biggest mistakes well-meaning people commonly make with their credit cards -- and what can you do to avoid financial pitfalls? I spoke with experts for their suggestions, and identified some of the most dangerous credit card behaviors. For more, learn how to get out of credit card debt and why now is the right time to pay off your credit cards.

Paying your credit card bill late

Missing a payment or making a late payment on a credit card is a major no-no. Colleen McCreary, a consumer financial advocate at Credit Karma, says this is the most common mistake people make with credit cards. Your payment history is a major factor of your credit rating and accounts for more than 30% of your overall score, McCreary said in an email.

A late payment is a one-way ticket to ruining your credit, and the ding on your report won't go away for seven years. Even worse, if your credit card bill remains unpaid, your creditor could sell your debt to a collection agency, which could tank your credit rating.

The best way to avoid late fees is to set a monthly reminder to pay your bill, and at least make the minimum payment. Most credit card companies will also let you set up monthly auto-payments, so you won't skip a beat. If you're worried you may not have enough each month to cover an autopayment, remember you can always set it to pay out the minimum, the full balance or a specified amount.

The credit bureau Experian notes that some credit card issuers may provide a short grace period for late payments, while others will mark your payment late as soon as you miss your due date.

If you do pay your credit card bill on time regularly and accidentally miss one payment, call your bank as soon as possible to see if it will offer one-time forgiveness, provided you pay in full at the time of your call. Your bank might refund your late fee and interest, but it isn't required to do anything.

While some credit card companies may mark your payment late after one day, those late payments are not reported to credit bureaus for 30 days, according to credit reporting company Equifax, If you act quickly to change your issuer's decision to mark your payment late, you could avoid damaging your credit score. If you're unable to pay your bill, you can also ask your issuer if it can create a payment plan for you.

Stop paying your credit card bill late

Sarah Tew/CNET

Maxing out your credit cards

After payment history, the second biggest factor in determining your credit score is the percentage of available credit that you are currently using. Called the "credit utilization ratio," this factor is calculated by dividing the amount you currently owe by your total credit limit, or your maximum borrowing potential.

Maintaining a high balance on your credit card compared to your total credit limit will increase your total percentage of credit used and hurt your credit score.

You usually want to keep your credit utilization ratio under 30% for a good credit score, though less is better. A good rule of thumb is to use 10% of your total credit limit and pay it off each month so you're not carrying a balance. For example, if your credit limit is $5,000, you wouldn't want to borrow more than $1,500 and ideally $500 or less.

If you find your credit card limit is too low -- for example, the amount you want to charge to your card exceeds the total you can charge on a given card -- you can always ask your credit card issuer for an increase.

Maxing out credit cards could also cost you big money if you can't pay off the total by the payment deadline. "The higher your outstanding balance (the amount of money you owe), the more interest you'll pay, which can make it even more difficult to climb out of debt," McCreary said.

Making only the minimum payment on your credit card

Your minimum payment is the lowest amount that your credit card issuer will allow you to pay toward your credit card bill for any given month -- for example, $50. The minimum monthly payment is determined by the balance on your credit card (what you owe at the end of the pay period) and your interest rate. It's generally calculated as either 2 to 4% of your balance, a flat fee or the higher amount between the two. 

Making only minimum payments is one of the most common credit card mistakes, according to Katie Bossler, a quality assurance specialist at GreenPath financial wellness. 

Although making minimum payments on time is still far better than paying late or ignoring your bill, paying only the minimum can cause interest to build, making it much more difficult to pay off your balance completely.

For example, if you have a $2,000 balance with a minimum payment of $50 on a credit card with an APR (annual percentage rate) of 14.55%, it will take 56 months (or almost five years) to pay off your debt, and you'll end up paying a total of $753 in interest. However, if you make a plan to pay the balance off in a year, your payments would be $180, and you'd only pay $161 in interest.

It only gets worse as the APR goes up -- at a relatively high but not unreasonable rate of 25%, a minimum payment of $50 would take 87 months (or a little more than seven years) to pay off a $2,000 debt, with a sizable $2,344 in interest payments. Meanwhile, upping the monthly payments to the same $180 would pay off your debt in 13 months, and cost only $281 in interest.

Here's an example of how making more than minimum payments can save you significant money in interest. 

How minimum payments lead to higher interest

Credit card balance	Annual percentage rate	Monthly payment	Time needed to pay balance	Additional interest paid
$2,000	14.55%	$50	4.7 years	$753
$2,000	14.55%	$180	1 year	$161
$2,000	25%	$50	7.3 years	$2,344
$2,000	25%	$180	1.1 years	$281

The best way to avoid paying any interest at all on your credit cards is to pay off your full balance each month. If you can't do that, Bossler, the quality expert from GreenPath financial advisors, suggests pausing use of the credit card while you're paying it off, and paying more than the minimum to do so.

Taking out a cash advance on your credit card

Withdrawing a cash advance with a credit card is a big mistake. "It's the most expensive way to pay for things," Bossler said. Cash advances are a method of borrowing money from your credit line to put cash in your pocket "now."

Convenient as it may be, a cash advance uses an interest rate that is typically significantly higher than your standard APR. Most cards will also include a transaction fee of 3 to 5%. "This is not the way to go," Bossler said.

If you receive a "convenience check" in the mail from a credit card company, be careful. It could be a cash advance offer that's best tossed in the recycle bin. If you need some extra cash, it might be better to think about starting a side hustle or taking out a personal loan with a lower interest rate. Budgeting apps can also help track your spending, so you can pull back on expenses that can wait.

Chasing credit card rewards with abandon

If you're thinking of opening a new credit card account to get money back on your purchases, you can best manage rewards by considering your lifestyle. Heavy travelers should look for a card with frequent flyer rewards. If you spend a lot of money on groceries or drive your car often, look for cash back rewards for spending at gas stations and grocery stores. 

However, you shouldn't make spending decisions based on receiving rewards. "Credit cards shouldn't be used as a strategy for buying things," Bossler said. Many cards will require a minimum amount of purchases for special rewards, or a welcome bonus to tempt you into spending more than you can afford.

Credit cards with lucrative rewards can also charge higher annual fees, for example, $100 or even $500 a year. If you're not spending enough to earn that annual cost back in rewards, you might consider a card with no annual fee.

Credit card rewards can be a powerful financial tool when used wisely, but you'll need to be careful to avoid running up your balance. Thomas Nitzsche, senior director of Media and Brand at MMI, says he often sees people making the mistake of using credit cards for rewards while ignoring the growing interest on their balance. If you're chasing rewards at the expense of your budget, consider coming up with a plan to pay your balance down instead. 

Your credit score can drop when you cancel your credit cards.

Sarah Tew/CNET

Not paying off big purchases during a 0% APR period

Whether you just opened a 0% APR credit card -- which offers interest-free debt for a specific promotional period -- or a balance transfer card -- a credit card designed to accept debt from other cards -- make sure you read the fine print. Oftentimes, there's a fee to transfer your existing balance, commonly 3% of the balances transferred. Also, the introductory 0% rate only lasts for so long, typically between six and 18 months. That means you've got a limited time to pay off your balance before a higher APR kicks in. (When it does, your monthly interest gets a lot more expensive.)

To create a simple repayment plan, take the amount you owe and divide it by the number of months in your 0% APR promo period. Then pay that amount monthly to completely pay off your balance while you are borrowing without interest. For example, if you buy a $300 TV using a credit card with 0% APR for six months, making $50 monthly payments will eliminate your debt before the no-interest period expires.

Using a 0% intro APR credit card can be a good strategy to pay off your debt or finance a large purchase, but it can be risky, too. While disciplined borrowers can effectively roll balances into new accounts with 0% intro APR, Nitzche says that many people who transfer their credit card balances only make minimum payments, which can result in spiraling debt and damaged credit, leading to a point when they can no longer get approval for new accounts.

Canceling your credit cards

Even if you have paid down your balance on a credit card, there are two big reasons why you shouldn't cancel your account. Closing your account would affect your length of credit history and credit utilization ratio, two important components of your credit score. (Remember, your credit utilization ratio is the percentage of your total available credit lines across all cards you're using.)

If you close an account you're not using, your total available credit line shrinks, making your credit utilization ratio higher.

Canceling older credit cards will also shorten your credit history, leading to a significant drop in your credit score. If you do decide to cancel some of your credit cards, it's best to leave the oldest account open, as well as the one with the highest credit limit to maintain your credit utilization ratio and prevent any damage to your credit score.

It's important to note that with inactivity, credit card issuers may automatically close your account. To avoid this, Nitzche says that it's best to use each of your credit cards once in a while for small purchases.

Applying for too many credit cards

You may have heard this advice before: Don't apply for too many credit cards at once. Each time you apply for a new credit card, your credit score can drop slightly due to a "hard" credit check. 

Hard credit checks require your consent and involve a full credit summary from a credit bureau. "Soft" credit checks occur when you view your credit report or a financial company requests a summary without your consent, and they don't affect your credit score. They're used for purposes such as preapproved credit card offers.

When you authorize lenders to pull your credit history, you'll see a "hard" inquiry on your credit report. According to credit score company MyFICO, a hard pull will lower your credit score by about 5 points. While it will stay on your report for two years, the deduction to your score will usually be eliminated within a year.

Too many hard pulls on your credit in a short amount of time -- for example, applying for five store credit cards in one weekend -- could affect your credit rating more, as multiple inquiries indicate higher risks of insolvency or bankruptcy. Experian suggests waiting at least six months between applying for new lines of credit to avoid lowering your credit score.

Applying for too many credit cards at once can drop your credit score.

Sarah Tew/CNET

Not checking your billing statements regularly

How often do you check your monthly billing statement? It can be an eye opener to see how much money you really charge your credit card, especially if it's routinely more than you bring home each month. 

Spending $20 here and there may not seem like a huge amount, but it can add up quickly. Remember that increasing your credit utilization ratio (your percentage of credit used) will lower your credit score and high balances will cost you more in interest. Plus, how do you know how much you've charged if you aren't tracking your spending?

Tracking your credit card spending isn't the only reason to check your billing statement. You should thoroughly comb through your transactions to make sure there aren't any potentially fraudulent charges you didn't make. The sooner you discover you're a victim of identity fraud, the sooner you can contact your card issuer to dispute the charges and take the necessary steps to secure your credit card account.

For more tips on using credit cards wisely, learn six ways to get the most from your credit card and how to pick the right credit card.

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Source

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The Worst Credit Card Mistakes You Should Stop Making

The Worst Credit Card Mistakes You Should Stop Making

There are several important benefits of using a credit card to shop. You can earn rewards, build your credit and take advantage of travel points and perks. But while shopping with a credit card can be convenient, there are also certain risks you need to be aware of.

If you pay a card late or don't pay your balance in full, you can incur fees and extra interest charges that make your purchases more expensive in the long run, especially considering today's rising interest rates, fueled by skyrocketing inflation. You could also wind up jeopardizing your credit score, which could make it harder to buy a house or get a loan.

So what are the biggest mistakes well-meaning people commonly make with their credit cards -- and what can you do to avoid financial pitfalls? I spoke with experts for their suggestions, and identified some of the most dangerous credit card behaviors. For more, learn how to get out of credit card debt and why now is the right time to pay off your credit cards.

Paying your credit card bill late

Missing a payment or making a late payment on a credit card is a major no-no. Colleen McCreary, a consumer financial advocate at Credit Karma, says this is the most common mistake people make with credit cards. Your payment history is a major factor of your credit rating and accounts for more than 30% of your overall score, McCreary said in an email.

A late payment is a one-way ticket to ruining your credit, and the ding on your report won't go away for seven years. Even worse, if your credit card bill remains unpaid, your creditor could sell your debt to a collection agency, which could tank your credit rating.

The best way to avoid late fees is to set a monthly reminder to pay your bill, and at least make the minimum payment. Most credit card companies will also let you set up monthly auto-payments, so you won't skip a beat. If you're worried you may not have enough each month to cover an autopayment, remember you can always set it to pay out the minimum, the full balance or a specified amount.

The credit bureau Experian notes that some credit card issuers may provide a short grace period for late payments, while others will mark your payment late as soon as you miss your due date.

If you do pay your credit card bill on time regularly and accidentally miss one payment, call your bank as soon as possible to see if it will offer one-time forgiveness, provided you pay in full at the time of your call. Your bank might refund your late fee and interest, but it isn't required to do anything.

While some credit card companies may mark your payment late after one day, those late payments are not reported to credit bureaus for 30 days, according to credit reporting company Equifax, If you act quickly to change your issuer's decision to mark your payment late, you could avoid damaging your credit score. If you're unable to pay your bill, you can also ask your issuer if it can create a payment plan for you.

Stop paying your credit card bill late

Sarah Tew/CNET

Maxing out your credit cards

After payment history, the second biggest factor in determining your credit score is the percentage of available credit that you are currently using. Called the "credit utilization ratio," this factor is calculated by dividing the amount you currently owe by your total credit limit, or your maximum borrowing potential.

Maintaining a high balance on your credit card compared to your total credit limit will increase your total percentage of credit used and hurt your credit score.

You usually want to keep your credit utilization ratio under 30% for a good credit score, though less is better. A good rule of thumb is to use 10% of your total credit limit and pay it off each month so you're not carrying a balance. For example, if your credit limit is $5,000, you wouldn't want to borrow more than $1,500 and ideally $500 or less.

If you find your credit card limit is too low -- for example, the amount you want to charge to your card exceeds the total you can charge on a given card -- you can always ask your credit card issuer for an increase.

Maxing out credit cards could also cost you big money if you can't pay off the total by the payment deadline. "The higher your outstanding balance (the amount of money you owe), the more interest you'll pay, which can make it even more difficult to climb out of debt," McCreary said.

Making only the minimum payment on your credit card

Your minimum payment is the lowest amount that your credit card issuer will allow you to pay toward your credit card bill for any given month -- for example, $50. The minimum monthly payment is determined by the balance on your credit card (what you owe at the end of the pay period) and your interest rate. It's generally calculated as either 2 to 4% of your balance, a flat fee or the higher amount between the two. 

Making only minimum payments is one of the most common credit card mistakes, according to Katie Bossler, a quality assurance specialist at GreenPath financial wellness. 

Although making minimum payments on time is still far better than paying late or ignoring your bill, paying only the minimum can cause interest to build, making it much more difficult to pay off your balance completely.

For example, if you have a $2,000 balance with a minimum payment of $50 on a credit card with an APR (annual percentage rate) of 14.55%, it will take 56 months (or almost five years) to pay off your debt, and you'll end up paying a total of $753 in interest. However, if you make a plan to pay the balance off in a year, your payments would be $180, and you'd only pay $161 in interest.

It only gets worse as the APR goes up -- at a relatively high but not unreasonable rate of 25%, a minimum payment of $50 would take 87 months (or a little more than seven years) to pay off a $2,000 debt, with a sizable $2,344 in interest payments. Meanwhile, upping the monthly payments to the same $180 would pay off your debt in 13 months, and cost only $281 in interest.

Here's an example of how making more than minimum payments can save you significant money in interest. 

How minimum payments lead to higher interest

Credit card balance	Annual percentage rate	Monthly payment	Time needed to pay balance	Additional interest paid
$2,000	14.55%	$50	4.7 years	$753
$2,000	14.55%	$180	1 year	$161
$2,000	25%	$50	7.3 years	$2,344
$2,000	25%	$180	1.1 years	$281

The best way to avoid paying any interest at all on your credit cards is to pay off your full balance each month. If you can't do that, Bossler, the quality expert from GreenPath financial advisors, suggests pausing use of the credit card while you're paying it off, and paying more than the minimum to do so.

Taking out a cash advance on your credit card

Withdrawing a cash advance with a credit card is a big mistake. "It's the most expensive way to pay for things," Bossler said. Cash advances are a method of borrowing money from your credit line to put cash in your pocket "now."

Convenient as it may be, a cash advance uses an interest rate that is typically significantly higher than your standard APR. Most cards will also include a transaction fee of 3 to 5%. "This is not the way to go," Bossler said.

If you receive a "convenience check" in the mail from a credit card company, be careful. It could be a cash advance offer that's best tossed in the recycle bin. If you need some extra cash, it might be better to think about starting a side hustle or taking out a personal loan with a lower interest rate. Budgeting apps can also help track your spending, so you can pull back on expenses that can wait.

Chasing credit card rewards with abandon

If you're thinking of opening a new credit card account to get money back on your purchases, you can best manage rewards by considering your lifestyle. Heavy travelers should look for a card with frequent flyer rewards. If you spend a lot of money on groceries or drive your car often, look for cash back rewards for spending at gas stations and grocery stores. 

However, you shouldn't make spending decisions based on receiving rewards. "Credit cards shouldn't be used as a strategy for buying things," Bossler said. Many cards will require a minimum amount of purchases for special rewards, or a welcome bonus to tempt you into spending more than you can afford.

Credit cards with lucrative rewards can also charge higher annual fees, for example, $100 or even $500 a year. If you're not spending enough to earn that annual cost back in rewards, you might consider a card with no annual fee.

Credit card rewards can be a powerful financial tool when used wisely, but you'll need to be careful to avoid running up your balance. Thomas Nitzsche, senior director of Media and Brand at MMI, says he often sees people making the mistake of using credit cards for rewards while ignoring the growing interest on their balance. If you're chasing rewards at the expense of your budget, consider coming up with a plan to pay your balance down instead. 

Your credit score can drop when you cancel your credit cards.

Sarah Tew/CNET

Not paying off big purchases during a 0% APR period

Whether you just opened a 0% APR credit card -- which offers interest-free debt for a specific promotional period -- or a balance transfer card -- a credit card designed to accept debt from other cards -- make sure you read the fine print. Oftentimes, there's a fee to transfer your existing balance, commonly 3% of the balances transferred. Also, the introductory 0% rate only lasts for so long, typically between six and 18 months. That means you've got a limited time to pay off your balance before a higher APR kicks in. (When it does, your monthly interest gets a lot more expensive.)

To create a simple repayment plan, take the amount you owe and divide it by the number of months in your 0% APR promo period. Then pay that amount monthly to completely pay off your balance while you are borrowing without interest. For example, if you buy a $300 TV using a credit card with 0% APR for six months, making $50 monthly payments will eliminate your debt before the no-interest period expires.

Using a 0% intro APR credit card can be a good strategy to pay off your debt or finance a large purchase, but it can be risky, too. While disciplined borrowers can effectively roll balances into new accounts with 0% intro APR, Nitzche says that many people who transfer their credit card balances only make minimum payments, which can result in spiraling debt and damaged credit, leading to a point when they can no longer get approval for new accounts.

Canceling your credit cards

Even if you have paid down your balance on a credit card, there are two big reasons why you shouldn't cancel your account. Closing your account would affect your length of credit history and credit utilization ratio, two important components of your credit score. (Remember, your credit utilization ratio is the percentage of your total available credit lines across all cards you're using.)

If you close an account you're not using, your total available credit line shrinks, making your credit utilization ratio higher.

Canceling older credit cards will also shorten your credit history, leading to a significant drop in your credit score. If you do decide to cancel some of your credit cards, it's best to leave the oldest account open, as well as the one with the highest credit limit to maintain your credit utilization ratio and prevent any damage to your credit score.

It's important to note that with inactivity, credit card issuers may automatically close your account. To avoid this, Nitzche says that it's best to use each of your credit cards once in a while for small purchases.

Applying for too many credit cards

You may have heard this advice before: Don't apply for too many credit cards at once. Each time you apply for a new credit card, your credit score can drop slightly due to a "hard" credit check. 

Hard credit checks require your consent and involve a full credit summary from a credit bureau. "Soft" credit checks occur when you view your credit report or a financial company requests a summary without your consent, and they don't affect your credit score. They're used for purposes such as preapproved credit card offers.

When you authorize lenders to pull your credit history, you'll see a "hard" inquiry on your credit report. According to credit score company MyFICO, a hard pull will lower your credit score by about 5 points. While it will stay on your report for two years, the deduction to your score will usually be eliminated within a year.

Too many hard pulls on your credit in a short amount of time -- for example, applying for five store credit cards in one weekend -- could affect your credit rating more, as multiple inquiries indicate higher risks of insolvency or bankruptcy. Experian suggests waiting at least six months between applying for new lines of credit to avoid lowering your credit score.

Applying for too many credit cards at once can drop your credit score.

Sarah Tew/CNET

Not checking your billing statements regularly

How often do you check your monthly billing statement? It can be an eye opener to see how much money you really charge your credit card, especially if it's routinely more than you bring home each month. 

Spending $20 here and there may not seem like a huge amount, but it can add up quickly. Remember that increasing your credit utilization ratio (your percentage of credit used) will lower your credit score and high balances will cost you more in interest. Plus, how do you know how much you've charged if you aren't tracking your spending?

Tracking your credit card spending isn't the only reason to check your billing statement. You should thoroughly comb through your transactions to make sure there aren't any potentially fraudulent charges you didn't make. The sooner you discover you're a victim of identity fraud, the sooner you can contact your card issuer to dispute the charges and take the necessary steps to secure your credit card account.

For more tips on using credit cards wisely, learn six ways to get the most from your credit card and how to pick the right credit card.

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Top-notch Vietnamese software BKAV raises antivirus bar

Top-notch Vietnamese software BKAV raises antivirus bar

Quang Tu Nguyen has changed the landscape of network and computer security in Vietnam. Dong Ngo/CBS Interactive

Editors note: CNET editor and Crave contributor Dong Ngo is spending the next month in his homeland of Vietnam and plans to file occasional dispatches chronicling his impressions of how technology has permeated the culture there. Click here for more of Dong's stories from abroad.

HANOI, Vietnam--If you use any Internet-connected computer in Vietnam--and there are lots of them, with Internet cafes and Wi-Fi spots abounding in any city--chances are you'll find a little red plus sign at the bottom-right corner of the screen.

That's the icon of the most popular antivirus software here. It's called BKAV.

(A bit of background: if you've recently read reviews of Internet security products by our security editor Rob Vamosi, know that I am the one who designed the methodology involved in testing these applications. It's therefore natural for me to be curious about how people in various parts of the world are protected against malicious software.)

BKAV is short for Bach Khoa AntiVirus, with "Bach Khoa" being the Vietnamese name for the Hanoi University of Technology. The software was originally developed as a hobby by Quang Tu Nguyen, a student-turned-lecturer at the school. It's currently the flagship product of Bach Khoa Internetwork Security center (BKIS), of which Quang, now 33, is director.

Quang still lectures once in awhile, but he's primarily known as the man who has changed the landscape of network and computer security in Vietnam. His creation, BKAV, is in many ways just about the best security software you can find.

I visited Quang at the BKIS headquarters, an office that somewhat resembles CNET or any other high-tech company: cubicles and lots of computer screens are everywhere. There's one big exception, however: everybody is asked to remove their shoes before entering, which is not a standard business practice in Vietnam. The company is probably the cleanest workplace I've seen here yet.

The center has about 400 employees, 300 of whom are software engineers, mostly recruited in-house from the school. They are among the brightest computer science minds in the country. According to BKIS, the BKAV security software currently enjoys about 10.5 million users and more than 110,000 downloads daily. Currently, Vietnam has about 20 million Internet users and counting (out of a population of about 85 million), according to the Vietnamese Ministry of Information and Communication.

Despite its frill-free user interface, BKAV offers highly advanced protection. Dong Ngo/CBS Interactive

The majority of security software applications feature a couple of common annoyances: they take a long time to install, they take a long time (and sometimes some difficulty) to remove, and they slow down your machine. This is because in order to protect your computer, security software needs to interfere significantly with basic operations such as reading and writing files, checking network connections, and so on. It's a challenge to develop protection software that is simple yet effective.

After a few days of trying BKAV and a few hours of talking to Quang and his engineers, I found BKAV to be arguably the only security application so far that offers both those attributes.

First off, the software took literally one second to install on my Dell XPS 1330 laptop and two seconds to completely remove, each step requiring a single mouse click. The software also uses very few system resources when not performing a scan.

If you accept the default options, you can start/stop the scanning just by using the Enter and Escape key. There are absolutely no frills in the user interface. For those who have installed and used any Windows software before and like to get things done the fastest possible way, this is a pleasant surprise. And yet this is the least impressive thing about the software.

It's common for antivirus software to remove a threat by literally removing/quarantining infected files. Technically, this is a fast way to write code that generally works well as long as the infected files are the viruses themselves.

This does, however, pose problems when the virus is sophisticated enough to add itself to a critical system file or replace the legitimate system file with a compromised version that also carries malicious commands. There is a new trend of viruses that do just that, and there are currently a few of them in the wild. Using the standard method to remove them will result in crippling the operating system, making it impossible to log in, and causing the loss of common features such as cut and paste or the ability to go on to the Internet.

(I actually sat down in the BKIS labs and tried a few known antivirus software applications against two specimens of these nasty viruses, including one identified by Symantec as Infostealer.Gampass and another identified by McAfee as Generic.dx. It's important to note that different security firms might identify the same virus differently, and sometimes a new virus can be identified as an existing virus. The applications, collectively, did detect and remove the viruses but also rendered the system unusable afterward.)

BKAV, by contrast, deals with each threat (and its variants) individually by dissecting its codes and meticulously countering exactly whatever it is the virus is designed to do. This is a lot of work, and it takes dedication. Quang and his colleagues take turns working literally around the clock to discover new threats and develop updates to counter them, typically within 24 hours.

Their effort results in two things: first, it's close to impossible for BKAV to register false detection. This is because once a threat is identified, BKAV goes deeper and scrutinizes the coding to find out exactly how it should be dealt with. This process at the same time verifies whether the detected threat is real. Second, BKAV is able to remove the malicious code without harming the system. Most of the time, you don't need to restart the computer for the cleaning to get done, either.

Unlike other software that gives you lots of flashy warnings and progress displays, BKAV takes care of threats in a rather unceremonious way. Often you wonder if your computer has actually been swept.

Taking up only roughly 13MB after installation (as opposed to hundreds of megabytes in other applications), BKAV is capable of protecting your computer against and removing all threats including viruses, trojans, spyware, rootkits, and malicious links spread through e-mail or or Yahoo chat. BKIS also offers network and enterprise protection solutions.

BKIS' technical support is available 24/7. All support is free; you just have to pay for the toll call. Dong Ngo/CBS Interactive

(Speaking of Yahoo, if you live in Vietnam, you might wonder why Yahoo isn't doing so well in the United States. Yahoo Mail and Messenger are the first choice among Vietnamese teenagers and young adults when it comes to Internet-based communication. And teens and young adults are the majority of Internet users here. Also, Yahoo 360 is by far the most popular blogging service here, and it loads much faster in Hanoi than it does in the States.)

Before this trip to Vietnam, I always had a lingering feeling that my family and friends were missing out on top-notch American online protection. Now I realize we Americans are actually the ones who having been missing out on some great software and services, but hopefully not for too much longer. Quang told me BKIS is working on making its software and services available outside of Vietnam in 2009.

In the meantime, you can download and try the free version of the BKAV software; the software comes with both Vietnamese and English interfaces. The commercial version costs only $299,000 dong ($17) for a one-year subscription, much less than the cost of its American counterparts.

Personally, I am highly impressed by how BKAV works and the way BKIS is run. It's ironic, however, that a lot of Vietnamese, mostly adults, would probably argue that BKAV is in no way comparable with other protection software solutions developed outside of Vietnam, especially in America, simply because it's made in Vietnam.

Vietnam is a super-friendly country, sometimes to the point of xenophilia, when it comes to products. Maybe that's why KFC is such a popular place. But hey, go to the fast-food joint and have an order of highly processed fried chicken and a large soda, then tell me if that's really more satisfying than a plate of spring rolls served with spicy fish sauce or an order of sticky rice sprinkled with shredded pork and crispy, roasted sliced onions.

On second thought, tastes differ, so don't tell me anything. But trust me that when it comes to BKIS, you're in good hands.

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Best mental health apps for teens best mental health apps 2021 best mental health apps uk best mental health quotes best mental health ehr softwares best mental health movies best mental health apps best mental health quotes best mentalist episodes best mental health charities best mental health facilities in us

Best Mental Health Apps for 2022

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Best Mental Health Apps for 2022

Therapy can be a daunting step to take, but it is important for us to treat our mental health appropriately, so we can lead better lives. There are a number of mental health apps that can go a long way in helping you relieve stress, bring down your anxiety or even help you take the first steps in going to therapy and talking to someone. Research shows that mental health apps are also a great way to improve your well-being and keep tabs on your wellness journey.

There's a lot to love about mental health apps -- the variety, the affordability and the features. They also bring mental health resources to people who otherwise couldn't get help due to finances, disabilities or location. But they're not all created equal. Not all mental health apps are backed by research or clinical insights. With between 10,000 to 20,000 wellness apps out there, it can be difficult to find the best option for you. We've pulled together a curated list of our top choices to make the process easier.

Read more: Best Online Therapy Services

Screenshot by Taylor Leamey/CNET

Talkspace takes our top spot for the best therapy app because of its 24/7 access to medical professionals. It's an affordable online therapy option that gives you more than just helpful guides and videos to watch. You have access to a licensed therapist wherever and whenever you need them. Talkspace is a great option for someone who is not comfortable going into an office or would rather have therapy appointments online. 

A 2020 study found that messaging a therapist through Talkspace reduced feelings of anxiety and depression. A different study said that using Talkspace's voice, video and text features also reduced symptoms of post-traumatic stress disorder, or PTSD. Note that the researchers of the studies had connections to Talkspace.

Within the app, you have access to video, text and audio chat to communicate with your therapist. However, users note there is a 5-minute cap on audio messages. 

Talkspace is significantly more expensive than other apps on the list. However, if you're looking for an app that allows you to talk to a therapist directly, it may be worth the price. 

Price: Plans start at $65/week. 

Talkspace best features:

• Talkspace offers therapy with a mental health professional. Not all mental health apps offer this feature.
• You can change therapists. 
• Access to treatment and Talkspace features 24/7. 

Things to consider:

• Since it offers therapy, Talkspace is more expensive than other apps. Which may put it out of reach for some.
• You can use insurance to pay for Talkspace, but some users have noted customer service wait times and other insurance troubles. 

Screenshot by Taylor Leamey/CNET

Calm is one of the most well-known mental health apps in the wellness space, with over 100 million downloads. We consider Calm one of the best meditation apps because of its comprehensive offerings, including breathing techniques and calming exercises. 

The Calm app is pretty easy to navigate and organized well. When you open the app, you are prompted to take a few deep breaths. Then you select what your main goals are so that your recommendations are tailored to your needs. You also can track statistics within the app, such as how long you have been using the app or how many sessions you've completed. 

The free version of Calm is limited, but there is a 7-day trial that helps you decide if it's right for you. After the trial, you have to pay the premium to access the 100 guided meditations, sleep library and masterclasses, which is $14.99/month or $69.99/year. If you are ready to commit to Calm, it's good to go with the full-year option since it comes out to just under $6/month instead of the full $15. Or you can always stay with the limited free version.

Price: $14.99/month or $69.99/year

Calm best features:

• Calm is simple to use and the exercises are easy to follow. It's a great mental health app for beginners. 
• Features of Calm include breathing exercises, sleep programs, relaxation and mindfulness techniques. 
• You have access to sleep stories narrated by celebrities like Harry Styles or Laura Dern.

Things to consider: 

• Calm offers a free version of the app, however, it is limited. You have to pay to access the full features. 
• You do have to enter payment upfront when you sign up, meaning you have to remember to cancel if you decide it's not for you.
• Reviews say that the app has troubles and customer service can be difficult to work with. 

Screenshot by Taylor Leamey/CNET

The Moodfit app has a lot to offer, and you can choose how to use the app. You can track sleep, nutrition, exercise and more during your wellness journey. Moodfit uses tools and sessions that help you assess your feelings, recognize negative thinking and change it. 

The Moodfit app has pretty standard navigation. The "notices" tab at the bottom is what I would consider the educational section. There is a lot of good information available, like how your thoughts influence your behavior and feelings, but you will have to take the time to actually read it. Other apps have a more interactive experience with imagery, videos and readouts. 

Where I think where Moodfit really shines is its analytics. With the easy-to-interpret charts, you can spot patterns in your mood and your activities. You also can track your mood down to the hour -- analytic views available are monthly, weekly, daily and hourly. Many apps do have analytics, but Moodfit puts a lot of intention behind helping you find patterns in your behavior and moods.

Price: $8.99/month

Moodfit best features:

• With Moodfit, you can adapt what the app offers based on your goals. Daily reminders and exercises will keep you on track.
• Moodfit has some of the best analytics available in the mental health app game.

Things to consider:

• Moodfit does not offer communication with a therapist.
• The basic version of Moodfit does not include all that the app has to offer. The premium version is $8.99/month, which is a few dollars cheaper than the average cost of the best mental health apps without therapist access. 

Moodfit's home page features your progress and goals. 

Screenshot by Taylor Leamey/CNET

Screenshot by Taylor Leamey/CNET

Sanvello is the best mental health app for stress relief thanks to its full meditation library, guided journeys, health tracking and cognitive behavioral therapy tools. I was pleasantly surprised when using Sanvello. For me, it was a lesser-known option on the list, and it did not disappoint. You can choose what goals you want to target -- reduce anxiety, feel happier, build confidence, etc., and you can select as many goals as you want.

One of my favorite parts of the Sanvello app was how connected it felt when using it. Like other apps, there is an education section. What's different is how it is presented. Sanvello uses text, videos and audio for a multimedia experience that is much easier to follow and digest. This comes down to preference, as some people prefer to read at their cadence. 

The basic version of Sanvello is free. However, there are additional features that the app offers -- like coaching and guided journeys -- that are not available on the free version. There is a premium option of $8.99/month and a premium plus coaching option for $50/month which offers a coach with live connection capabilities. 

Price: $8.99/month or $50/month

Sanvello best features:

• You can choose which areas you want to target, which allows for personalization. 
• Unlike other apps, Sanvello has an option to connect with peers who are going through the same things. 
• Sanvello does have a therapy subscription that connects you with a licensed therapist. 
  

Things to consider: 

• Unfortunately, the therapy option is not available in all states, and if not covered by insurance, it can get expensive. 
• There are limitations to the free app. You have to pay a subscription to access advanced features. 

The Sanvello app allows you to select which goals you want to target. 

Screenshot by Taylor Leamey/CNET

Screenshot by Taylor Leamey/CNET

Happify is a free mental health app that focuses entirely on your mood and helps relieve anxiety. Developed by mental health professionals, Happify's strategies are derived from cognitive behavioral therapy that helps you learn how to recognize and reorient negative thinking. 

Happify had the most thorough questionnaire when signing up. I was asked about relationships, employment and medical conditions to help personalize the service. As the name suggests, Happify focuses on positivity and tries to make your journey fun with engaging games. With the relaxation and mindfulness techniques Happify offers, you can boost your mood and relieve anxiety. 

The app has a different navigation setup than other apps. Instead of having the navigation bar at the bottom, there's a three-bar dropdown you have to tap to bring up the menu at the top left, making it just a little more difficult to find things. 

Price: $14.99/month or $139.99/year. You also can purchase "lifetime access" for $499.99. 

Happify best features:

• Happify was developed by therapists. It's one of the most robust mental health apps on the list. 
• You can personalize how you use the app by selecting what your goals are. 
• When using Happify, you have access to a community forum or you can keep your account private. 
• Happify also has a digital coach feature available. 
  

Things to consider:

• The free features available are limited. To access the digital coach and advanced features, you have to pay for a subscription. 
  

Various tracks are available from Happify.

Screenshot by Taylor Leamey/CNET

Screenshot by Taylor Leamey/CNET

MindShift is a free mental health app specifically designed to target anxiety. Categories within the app are broken down into general worry, social anxiety, perfectionism, panic and phobias. This allows the user to personalize which type of anxiety they want to work through.

As the name suggests, MindShift targets your mindset, meaning that it helps you identify what is making you anxious and helps you redirect your thinking to positivity. When you open the app, you're prompted to rate your daily anxiety score to track over time. The app is pretty easy to use and easier to navigate than other options simply because there is less available. One tool that stood out was the "thought journal" that helps you work through what you're worried about and how to overcome negative thoughts. "Coping cards" are also available to help you ease anxiety in the moment. 

MindShift is much more interactive than other apps, as it relies on you to add anxiety scores and type responses to get the best experience. Other apps are mainly reading-based. If you want the best out of MindShift, you need to interact with the app.

Price: Free

Mindshift best features:

• MindShift is a very interactive app that allows you to choose which type of anxiety you target. 
• It's a free app that used psychotherapy techniques. 

Things to consider:

• Because it's free, you have a limited number of entries a day. 
• The app may have technical difficulties. 

Screenshot by Taylor Leamey/CNET

The unique experiences of people of color are often excluded from traditional mental health resources. The wellness app industry is traditionally not inclusive and mainly focuses on experiences that white people encounter. Only one in three Black Americans get the mental health care they need. That's why Shine is the pick for the best mental health app for people of color. 

It's specially designed to target the needs and struggles of people of color, making mental health resources more accessible and inclusive. Shine offers meditations, self-care courses led by experts and monthly virtual workshops. You are also prompted to add a wellness check-in each day and are greeted with motivational messages. 

Price: $14.99/month

Shine best features:

• The topics and practices offered are focused on BIPOC mental health. This is unique to the mental health app space.
• You have access to a peer community that offers support and empowerment.  
  

Things to consider:

• Shine offers a free app version, though you will not have access to all the features offered. 
• The price is about average when compared to the other options on the list. 

Selection of choices for Shine app. 

Screenshot by Taylor Leamey/CNET

How we chose the best mental health apps

The apps included on the best mental health app list have the best features supported by research. When selecting our picks, we examined each app's user experience, features and pricing. We also read through user reviews to tease out pain points and what people value in mental health apps.

Frequently asked questions

What are mental health apps?

Who doesn't want therapy from the comfort of home? Mental health apps are tools you can use to improve your well-being. While not all offer online therapy, they're simple to use and make managing your mental health easy. Each app will vary in what it targets. For example, Calm specializes in relaxation and breathing. Moodfit focuses on tracking your mood and finding patterns. 

Mental health apps are not intended to diagnose conditions or be a replacement for therapy. Instead, they are a great tool to use for continued support daily. They offer encouragement, education and helpful activities you can use to improve several areas of your mental health.   

Read more: Tips to Find the Right Therapist For You

Are mental health apps effective?

Experts are split on the effectiveness of mental health apps. Some studies have not found "convincing evidence" that apps greatly improve outcomes related to disorders like anxiety, depression or drinking. However, other research has suggested that mental health apps have potential in managing and improving symptoms of select disorders. 

The research on the effectiveness of long-term treatment with apps is young. Most experts agree that they are a great tool to support your mental health, especially when you use them in addition to other treatment options. They are not intended to diagnose conditions and should be viewed primarily as a complement to traditional treatment options.

What are the benefits of mental health apps?

Mental health apps bring resources to those who otherwise may not have had access to them, whether because of financial standing or regional location. And while they are not a true replacement for therapy, mental health apps are a great way to self-regulate and be mindful of how you're feeling.

• Convenience: You can track your mood, talk to a counselor or read about mental health topics from anywhere. 
• Price: Mental health apps are significantly more affordable than traditional therapy. Many are available for under $20/month.
• Consistency: You want to be as consistent as possible during your wellness journey. With push notifications and props to check in, mental health apps ensure that you are being mindful of patterns in your behaviors or moods and how to meet your goals. 
• 24/7 access: With a mental health app, you can access resources whenever you need them. While some of the counselors may not reply immediately, you have access to the app's other features 24/7. 
• They can help: Wellness apps can help you achieve your goals, whatever they are. For example, they can help you recognize patterns in your mood or improve your coping skills. 

Will mental health apps be the end of therapy?

Mental health apps are great tools that supplement your experience. However, it's unlikely they would ever replace traditional therapy, even the options that offer virtual therapy. Mental health apps have limitations in crises, and there are questions about effectiveness when used alone. Mental health apps aren't the best option for everyone. While the apps are typically user-friendly, some people still prefer to meet in person and have their therapists' undivided attention. It's all a matter of preference.

Read more: What Is Cognitive Behavioral Therapy? 

Do mental health apps share your data?

With mental health apps, you can't assume that everything is protected under the Health Insurance Portability and Accountability Act. Mental health apps fall in a gray area. HIPAA only protects information collected by "covered entities," including healthcare providers and insurance companies. Many of the best mental health apps on the market operate without connection to covered entities, meaning your information isn't completely private. 

HIPAA applies to conversations with your therapist on an app. So you don't need to worry about what you disclose in those sessions. However, the apps' additional features -- guided meditations, CBT exercises and mood logs -- are not always kept confidential. Neither is the fact that you use a mental health app. The data you give the apps outside of therapy sessions can be sold for targeted advertising. And it's not just Facebook; your information can be shared with public health and academics for research.

Privacy will vary by platform. Make sure you read the privacy policy of each app to fully understand your protection.

Should you use a mental health app?

For many people, apps are an important tool to guide their wellness journey. While they are not a replacement for therapy, mental health apps are a great way to check in on yourself. My advice is that mental health apps are what you put into them. Many of the free ones offer helpful, educational content. But you need to take the time to read it. Others allow you to work through stressors with open-ended answer boxes. But you have to interact with the app to truly benefit from it. 

A wellness app won't give the client's relationship with a counselor that traditional talk therapy offers. And for some, that's not something they are willing to give up. But if therapy is currently out of your reach, especially due to cost, then mental health apps may be a good option. You won't get the highly personalized experience you could get with another person, but you can still learn healthy habits and skills.

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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