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What Is Home Equity?
Most homeowners now have more equity in their homes than they did two years ago, thanks to surging home values during the pandemic. That means right now is a good time to consider tapping into your home equity if you're looking to borrow money at a lower interest rate than you might get with other types of loans such as personal loans. Home equity is the difference between what you owe on your mortgage and the current market value of your home.
You build equity in your home by consistently making mortgage payments over the years. Equity is valuable because it allows you to borrow money against your home at lower interest rates than other types of financing. Once you have enough equity built up in your home, lenders and banks will allow you to borrow against it. Some of the most common reasons to borrow against your equity are to pay for life expenses such as home improvements, higher education costs such as tuition, or to pay off high-interest credit card debt.
Most lenders want to see that you've built up at least 15% to 20% in equity in order to let you borrow money against your house in the form of refinancing or other kinds of home equity loans. One of the simplest ways to ensure you have a good chunk of equity in your home is to make a large down payment if you are able to.
For a typical homeowner with a 30-year fixed-rate mortgage, building up 15% to 20% usually takes about 5 to 10 years. Even if you paid less for your home when you bought it years ago, your equity is based on the present-day value of your house. If, for example, your home is currently worth $500,000 and you have $400,000 left to pay on your mortgage, you would have $100,000 of equity in your home.
Here's what you need to know about home equity, what it is, how to calculate it and why it's important to homeowners.
How do you calculate home equity?
To calculate your home equity, simply subtract your remaining mortgage balance from the current market value of your home. So if you owe $400,000 on your mortgage and your house is worth $500,000, you have $100,000, or 20% equity in your home. You may need to work with an appraiser or real estate agent in order to get an accurate evaluation of your home's fair market value, especially since home values have risen by record-breaking amounts since the beginning of the pandemic.
Ways to borrow against home equity
There are various ways to access the equity in your home. Some of the most common equity financing options are home equity loans, home equity lines of credit (or HELOCs) and reverse mortgages. It's important, however, to keep in mind that all of these options require you to put up your home as collateral to secure the loan, so it's critical to understand that there's a risk of losing your home to foreclosure if you miss payments or default on your loan for any reason.
Home equity loan
A home equity loan lets you borrow money against the equity you've built in your home and provides you with a lump sum of cash at a fixed interest rate. Lenders typically want to see that you have at least 15% to 20% in your home to approve you for a home equity loan. A home equity loan doesn't replace your mortgage like a refinance, rather, it's an entirely new loan that you'll repay monthly along with your existing mortgage payment. But just like a mortgage, with a home equity loan, your interest rate never changes and your monthly payments are fixed, too.
HELOCs
A home equity line of credit, or HELOC, is a type of loan that lets you borrow against the equity you've built up in your home and functions like a credit card. It provides you with an open line of credit that you can access for a certain amount of time, typically 10 years, followed by a set repayment period, which is usually 20 years. Lenders also generally want you to have at least 15% to 20% in your home for HELOC approval. With a HELOC, you don't have to take all of your funds out at once, and you can withdraw money repeatedly from your HELOC over the 10-year period, once previously borrowed sums are paid back.
"A HELOC offers more flexibility than a home equity loan -- you can't withdraw money from a home equity loan like you can with a HELOC, and a HELOC allows you to receive replenished funds as you pay your outstanding balance," said Robert Heck, VP of Mortgage at Morty, an online mortgage marketplace.
HELOCs have variable interest rates however, so it's important to make sure you can afford higher monthly payments if your rate goes up once your introductory interest rate expires, especially in the current economic climate.
Reverse mortgage
You must be 62 years or older to access a reverse mortgage and have either paid off your home or have significant equity accumulated, usually at least 50%. With a reverse mortgage, you do not have to make monthly mortgage payments and the bank or lender actually makes payments to you. You must still pay your property taxes and homeowners insurance and continue to live in the house, however. A reverse mortgage allows you to access the equity in your home and not pay back the funds for an extended period of time while using them for other expenses during retirement. It's important to keep in mind that you are building a mortgage balance back up as you borrow against your equity, and your estate will eventually have to pay off your loan. A common way to repay this loan is to sell your house.
The bottom line
Unlocking the equity in your home can be a valuable way to access financing to cover other life expenses. It's important to understand the differences between the kinds of equity loans available to secure the best one for your particular financial situation. When comparing ways to access equity, always take into account the interest rate, additional lender costs and fees, and the size of the loan and how it will be disbursed to you, as well as the amount of time you have to pay it back, before you enter into an agreement to borrow against the equity in your home.
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What are Nvidia G-Sync and AMD FreeSync and which do I need?
What are Nvidia G-Sync and AMD FreeSync and which do I need?
There are many ways to compensate for the disconnect between screen updates and gameplay frame rate, ranging from the brute force method of simply capping your game's frame rate to match your monitor's refresh rate to the more intelligent realm of variable refresh rate. VRR enables the two to sync to prevent artifacts like tearing (where it looks like parts of different screens are mixed together) and stutter (where the screen updates at perceptibly irregular intervals). These efforts range from basic in-game frame rate control to pricey hardware-based implementations like Nvidia G-Sync Ultimate and AMD FreeSync Premium.
Which do you want?
When picking a monitor, which VRR system to look for comes down to which graphics card you own -- especially now when you can't really buy a new GPU -- and which games you play, plus the monitor specs and choices available. G-Sync and G-Sync Ultimate and FreeSync Premium and Pro are mutually exclusive; you'll rarely (if ever) see variations of the same monitor with options for both. In other words, every other decision you make pretty much determines which VRR scheme you get.
Basic VRR
Basic VRR enables games to use their own methods of syncing the two rates, which on the PC frequently means the game just caps the frame rate it will allow. One step up from that is generic adaptive refresh rate, which uses extended system-level technologies to vary the screen update rate based on the frame rate coming out of the game. This can deliver a better result than plain VRR as long as your frame rates aren't all over the place within a short span of time.
G-Sync Compatible and FreeSync
In the bottom tier of Nvidia and AMD's VRR technologies you'll find improved versions of adaptive refresh, branded G-Sync Compatible and FreeSync. They use the GPU's hardware to improve VRR performance, but they're hardware technologies that are common to both Nvidia and AMD GPUs, which means you can use either supported by the monitor, provided one manufacturer's graphics card driver allows you to enable it for the other manufacturer's cards. Unlike FreeSync, though, G-Sync Compatible implies Nvidia has tested the monitor for an "approved" level of artifact reduction.
G-Sync and FreeSync Premium
The first serious levels of hardware-based adaptive refresh are G-Sync and FreeSync Premium. They both require manufacturer-specific hardware in the monitor that works in conjunction with their respective GPUs in order to apply more advanced algorithms, such as low-frame rate compensation (AMD) or variable overdrive (Nvidia) for better results with less performance overhead. They also have base thresholds for monitor specs that meet appropriate criteria. G-Sync still only works over a DisplayPort connection for monitors because it uses DisplayPort's Adaptive Sync, however, which is frustrating because it does work over HDMI for some TVs.
At CES 2022, Nvidia launched its next-generation 1440p G-sync Esports standard with Reflex Latency Analyzer (Nvidia's technology for minimizing lag of the combined keyboard, mouse and display) and a 25-inch mode that can simulate that size display on a larger monitor. Normalizing high-quality 1440p 27-inch displays for esports is a great step up from 1080p and 25 inches. The initial monitors which will be supporting it (the ViewSonic Elite XG271QG, AOC Agon Pro AG274QGM, MSI MEG 271Q, all with a 300Hz refresh rate, and the Asus ROG Swift 360Hz PG27AQN) haven't shipped yet.
(Mini rant: This name scheme would make a monitor "G-Sync Compatible-compatible," so you'll see the base capability referred to as a "G-Sync Compatible monitor." That's seriously misleading, because that means you're frequently called on to distinguish between uppercase and lowercase: G-Sync Compatible is not the same as G-Sync-compatible.)
G-Sync Ultimate and FreeSync Premium Pro
At the top of the VRR food chain are G-Sync Ultimate and FreeSync Premium Pro. They both require a complete ecosystem of support -- game and monitor in addition to the GPU -- and primarily add HDR optimization in addition to further VRR-based compensation algorithms.
The hardware-based options tend to add to the price of a monitor, and whether or not you need or want them really depends upon the games you play -- if your games don't support these technologies it's kind of pointless to pay extra for them -- how sensitive you are to artifacts and how bad the disconnect is between your display and the gameplay.
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What the Future of Health Looks Like for Apple
What the Future of Health Looks Like for Apple
Apple's Health app keeps evolving, with aspirations to be a complete combination personal data archive, medical liaison and insight engine. But the goals, while ambitious, aren't fully realized yet. iOS 16 and WatchOS 9 are adding medication management and multistage sleep tracking to a growing list of features. But what comes next, and will it start to become a tool that interfaces with doctors even more than it has?
Apple just published a multipage health report (PDF), which aims to detail where the company sees its health focus heading on the iPhone and the Apple Watch. The report covers the app, research studies and initiatives with medical organizations.
As Google prepares to release a Pixel Watch that will connect to Fitbit's features and services, Apple looks to be strengthening its position by expanding beyond the watch to a larger spectrum of health services. Already, Apple Health and Fitness Plus are evolving into services you don't need an Apple Watch to use.
When will Health start to become an extension of how I connect with my own doctors? Will sleep tracking offer a doorway to other health insights? And why doesn't Apple have its own equivalent of the "readiness score" used by Fitbit and Oura?
Apple's vice president of health, Dr. Sumbul Desai, spoke with CNET about the goals of Apple Health and where goals are being set next. She sees the blend of lifestyle with clinical data, medication data and an increasing number of metrics in one place as helping future insights in other health measurements over time.
"You have to do it in a really thoughtful and meaningful way," Desai said. "Because there are also correlations you can make that are incorrect. That's where the work is, making sure that when you make those connections that they are correct, grounded in the science and make sense to the user."
Medication tracking on iOS 16 looks like another step to bring medical histories onto Health.
Apple
Where does Apple Health meet your doctor?
As I've found over the last few months, over several surgeries and doctor visits, my own medical care doesn't often connect with my wearable and phone apps. Apple's been aiming to make strides to connect Apple Health with medical providers, but the framework isn't fully there yet for digital health platforms. A lot of Apple's promised benefits are in identifying long-term data patterns and insights.
"I do think how they interact with each other is really important," said Desai, who points to the new tracking of atrial fibrillation patterns over time in Watch OS 9. "We are actually taking how much time you're in AFib and correlating it to your lifestyle. How much you're sleeping. How much you're moving, you'll see the changes in AFib. If you're using Mindful Minutes, do you see a change."
Apple has tried making data sharing easier with doctors, but right now it still doesn't go far enough. At the medical group where I'm a patient, for instance, there's no obvious way to share the data I'm collecting in Apple Health through the patient portal.
Sleep tracking is gaining sleep stages in WatchOS 9. Will that bring a wave of other health insights down the road?
Apple
Sleep as the next frontier?
Apple's addition of sleep stage-based sleep tracking in the upcoming Watch OS 9 looks to close the gap on other fitness trackers like those from Fitbit, Samsung and Oura. Apple's been pulling new features for the Apple Watch from work in some of the company's ongoing heart research studies, and sleep could end up being a place that evolves next.
"What I'm really excited to learn from a scientific standpoint is, does the amount of sleep that you're getting in certain stages, like core [replenishing sleep], does that actually translate to benefit during the day when you're moving?" Desai said. "Are there certain phenotypes of certain people who have more benefit versus others? There's so much to tackle from a research standpoint there. We would never put anything out until we knew we kind of had some scientific grounding. The whole causation-correlation thing can get very tricky."
Desai suggested future research combining sleep stage data with Apple's ongoing heart and move data from its ongoing study will possibly provide more insights, "but we're still a ways away from that."
Could Apple ever develop its own readiness score?
One thing Apple's evolving and elaborate set of Health insights currently doesn't have is any sort of attempt at a distilled score, or personal health rating. Fitbit, Oura, and a number of other wearables have daily personal scores derived from a variety of individual metrics. I asked Desai whether Apple might pursue a similar idea anytime soon. While it sounds like a direction Apple Health could head in, it also seems like Apple is still trying to lock down the best path to get there.
"It's a really good question. I think the answer is, to be honest, is we don't have a firm POV yet," Desai said. "We want to understand the science behind that, and what can we understand and glean from a scientific standpoint."
Desai suggests that the health measurements, and their meanings, can vary. "HRV [heart rate variability] is a great metric. I'm super fascinated by HRV. But HRV can be changed based on multiple reasons." She suggested that Apple's eventual evolution of its insights will need to come with clear guidance, too.
"I think for us, we want to be able to provide actionable information. So to understand to do that, you actually have to be able to draw it back to, what we think is actually causing that? We are really trying to understand the science behind all of these different metrics and focus on how we provide insights that we know we can back up."
On whether Apple Health could come to other non-Apple devices
Apple's aiming for Health to be a comprehensive, secure system for anyone to use, but it still flows through Apple hardware, which means a portion of the population will always be left out. I asked Desai whether Apple Health might ever be available beyond iPhones.
"We're always looking at ways to support the ecosystem. We just want to make sure we can support that in a private and secure way. That's fundamentally what drives our decision making," Desai said. "We have a ton of things in the App Store ecosystem that are super interesting that people are doing, and we're very supportive of supporting that work.
"Honestly, we make a lot of decisions driven by privacy. And there's a lot of things we choose not to do and choose to do, based upon that."
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.
Apple's Health app keeps evolving, with aspirations to be a complete combination personal data archive, medical liaison and insight engine. But the goals, while ambitious, aren't fully realized yet. iOS 16 and WatchOS 9 are adding medication management and multistage sleep tracking to a growing list of features. But what comes next, and will it start to become a tool that interfaces with doctors even more than it has?
Apple just published a multipage health report (PDF), which aims to detail where the company sees its health focus heading on the iPhone and the Apple Watch. The report covers the app, research studies and initiatives with medical organizations.
As Google prepares to release a Pixel Watch that will connect to Fitbit's features and services, Apple looks to be strengthening its position by expanding beyond the watch to a larger spectrum of health services. Already, Apple Health and Fitness Plus are evolving into services you don't need an Apple Watch to use.
When will Health start to become an extension of how I connect with my own doctors? Will sleep tracking offer a doorway to other health insights? And why doesn't Apple have its own equivalent of the "readiness score" used by Fitbit and Oura?
Apple's vice president of health, Dr. Sumbul Desai, spoke with CNET about the goals of Apple Health and where goals are being set next. She sees the blend of lifestyle with clinical data, medication data and an increasing number of metrics in one place as helping future insights in other health measurements over time.
"You have to do it in a really thoughtful and meaningful way," Desai said. "Because there are also correlations you can make that are incorrect. That's where the work is, making sure that when you make those connections that they are correct, grounded in the science and make sense to the user."
Medication tracking on iOS 16 looks like another step to bring medical histories onto Health.
Apple
Where does Apple Health meet your doctor?
As I've found over the last few months, over several surgeries and doctor visits, my own medical care doesn't often connect with my wearable and phone apps. Apple's been aiming to make strides to connect Apple Health with medical providers, but the framework isn't fully there yet for digital health platforms. A lot of Apple's promised benefits are in identifying long-term data patterns and insights.
"I do think how they interact with each other is really important," said Desai, who points to the new tracking of atrial fibrillation patterns over time in Watch OS 9. "We are actually taking how much time you're in AFib and correlating it to your lifestyle. How much you're sleeping. How much you're moving, you'll see the changes in AFib. If you're using Mindful Minutes, do you see a change."
Apple has tried making data sharing easier with doctors, but right now it still doesn't go far enough. At the medical group where I'm a patient, for instance, there's no obvious way to share the data I'm collecting in Apple Health through the patient portal.
Sleep tracking is gaining sleep stages in WatchOS 9. Will that bring a wave of other health insights down the road?
Apple
Sleep as the next frontier?
Apple's addition of sleep stage-based sleep tracking in the upcoming Watch OS 9 looks to close the gap on other fitness trackers like those from Fitbit, Samsung and Oura. Apple's been pulling new features for the Apple Watch from work in some of the company's ongoing heart research studies, and sleep could end up being a place that evolves next.
"What I'm really excited to learn from a scientific standpoint is, does the amount of sleep that you're getting in certain stages, like core [replenishing sleep], does that actually translate to benefit during the day when you're moving?" Desai said. "Are there certain phenotypes of certain people who have more benefit versus others? There's so much to tackle from a research standpoint there. We would never put anything out until we knew we kind of had some scientific grounding. The whole causation-correlation thing can get very tricky."
Desai suggested future research combining sleep stage data with Apple's ongoing heart and move data from its ongoing study will possibly provide more insights, "but we're still a ways away from that."
Could Apple ever develop its own readiness score?
One thing Apple's evolving and elaborate set of Health insights currently doesn't have is any sort of attempt at a distilled score, or personal health rating. Fitbit, Oura, and a number of other wearables have daily personal scores derived from a variety of individual metrics. I asked Desai whether Apple might pursue a similar idea anytime soon. While it sounds like a direction Apple Health could head in, it also seems like Apple is still trying to lock down the best path to get there.
"It's a really good question. I think the answer is, to be honest, is we don't have a firm POV yet," Desai said. "We want to understand the science behind that, and what can we understand and glean from a scientific standpoint."
Desai suggests that the health measurements, and their meanings, can vary. "HRV [heart rate variability] is a great metric. I'm super fascinated by HRV. But HRV can be changed based on multiple reasons." She suggested that Apple's eventual evolution of its insights will need to come with clear guidance, too.
"I think for us, we want to be able to provide actionable information. So to understand to do that, you actually have to be able to draw it back to, what we think is actually causing that? We are really trying to understand the science behind all of these different metrics and focus on how we provide insights that we know we can back up."
On whether Apple Health could come to other non-Apple devices
Apple's aiming for Health to be a comprehensive, secure system for anyone to use, but it still flows through Apple hardware, which means a portion of the population will always be left out. I asked Desai whether Apple Health might ever be available beyond iPhones.
"We're always looking at ways to support the ecosystem. We just want to make sure we can support that in a private and secure way. That's fundamentally what drives our decision making," Desai said. "We have a ton of things in the App Store ecosystem that are super interesting that people are doing, and we're very supportive of supporting that work.
"Honestly, we make a lot of decisions driven by privacy. And there's a lot of things we choose not to do and choose to do, based upon that."
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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What the Future of Health Looks Like for Apple
What the Future of Health Looks Like for Apple
Apple's Health app keeps evolving, with aspirations to be a complete combination personal data archive, medical liaison and insight engine. But the goals, while ambitious, aren't fully realized yet. iOS 16 and WatchOS 9 are adding medication management and multistage sleep tracking to a growing list of features. But what comes next, and will it start to become a tool that interfaces with doctors even more than it has?
Apple just published a multipage health report (PDF), which aims to detail where the company sees its health focus heading on the iPhone and the Apple Watch. The report covers the app, research studies and initiatives with medical organizations.
As Google prepares to release a Pixel Watch that will connect to Fitbit's features and services, Apple looks to be strengthening its position by expanding beyond the watch to a larger spectrum of health services. Already, Apple Health and Fitness Plus are evolving into services you don't need an Apple Watch to use.
When will Health start to become an extension of how I connect with my own doctors? Will sleep tracking offer a doorway to other health insights? And why doesn't Apple have its own equivalent of the "readiness score" used by Fitbit and Oura?
Apple's vice president of health, Dr. Sumbul Desai, spoke with CNET about the goals of Apple Health and where goals are being set next. She sees the blend of lifestyle with clinical data, medication data and an increasing number of metrics in one place as helping future insights in other health measurements over time.
"You have to do it in a really thoughtful and meaningful way," Desai said. "Because there are also correlations you can make that are incorrect. That's where the work is, making sure that when you make those connections that they are correct, grounded in the science and make sense to the user."
Medication tracking on iOS 16 looks like another step to bring medical histories onto Health.
Apple
Where does Apple Health meet your doctor?
As I've found over the last few months, over several surgeries and doctor visits, my own medical care doesn't often connect with my wearable and phone apps. Apple's been aiming to make strides to connect Apple Health with medical providers, but the framework isn't fully there yet for digital health platforms. A lot of Apple's promised benefits are in identifying long-term data patterns and insights.
"I do think how they interact with each other is really important," said Desai, who points to the new tracking of atrial fibrillation patterns over time in Watch OS 9. "We are actually taking how much time you're in AFib and correlating it to your lifestyle. How much you're sleeping. How much you're moving, you'll see the changes in AFib. If you're using Mindful Minutes, do you see a change."
Apple has tried making data sharing easier with doctors, but right now it still doesn't go far enough. At the medical group where I'm a patient, for instance, there's no obvious way to share the data I'm collecting in Apple Health through the patient portal.
Sleep tracking is gaining sleep stages in WatchOS 9. Will that bring a wave of other health insights down the road?
Apple
Sleep as the next frontier?
Apple's addition of sleep stage-based sleep tracking in the upcoming Watch OS 9 looks to close the gap on other fitness trackers like those from Fitbit, Samsung and Oura. Apple's been pulling new features for the Apple Watch from work in some of the company's ongoing heart research studies, and sleep could end up being a place that evolves next.
"What I'm really excited to learn from a scientific standpoint is, does the amount of sleep that you're getting in certain stages, like core [replenishing sleep], does that actually translate to benefit during the day when you're moving?" Desai said. "Are there certain phenotypes of certain people who have more benefit versus others? There's so much to tackle from a research standpoint there. We would never put anything out until we knew we kind of had some scientific grounding. The whole causation-correlation thing can get very tricky."
Desai suggested future research combining sleep stage data with Apple's ongoing heart and move data from its ongoing study will possibly provide more insights, "but we're still a ways away from that."
Could Apple ever develop its own readiness score?
One thing Apple's evolving and elaborate set of Health insights currently doesn't have is any sort of attempt at a distilled score, or personal health rating. Fitbit, Oura, and a number of other wearables have daily personal scores derived from a variety of individual metrics. I asked Desai whether Apple might pursue a similar idea anytime soon. While it sounds like a direction Apple Health could head in, it also seems like Apple is still trying to lock down the best path to get there.
"It's a really good question. I think the answer is, to be honest, is we don't have a firm POV yet," Desai said. "We want to understand the science behind that, and what can we understand and glean from a scientific standpoint."
Desai suggests that the health measurements, and their meanings, can vary. "HRV [heart rate variability] is a great metric. I'm super fascinated by HRV. But HRV can be changed based on multiple reasons." She suggested that Apple's eventual evolution of its insights will need to come with clear guidance, too.
"I think for us, we want to be able to provide actionable information. So to understand to do that, you actually have to be able to draw it back to, what we think is actually causing that? We are really trying to understand the science behind all of these different metrics and focus on how we provide insights that we know we can back up."
On whether Apple Health could come to other non-Apple devices
Apple's aiming for Health to be a comprehensive, secure system for anyone to use, but it still flows through Apple hardware, which means a portion of the population will always be left out. I asked Desai whether Apple Health might ever be available beyond iPhones.
"We're always looking at ways to support the ecosystem. We just want to make sure we can support that in a private and secure way. That's fundamentally what drives our decision making," Desai said. "We have a ton of things in the App Store ecosystem that are super interesting that people are doing, and we're very supportive of supporting that work.
"Honestly, we make a lot of decisions driven by privacy. And there's a lot of things we choose not to do and choose to do, based upon that."
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.
What States Can and Can't Do When Banning Abortion
What States Can and Can't Do When Banning Abortion
For more information about your reproductive health rights and related federal resources, you can visit the US government's
Reproductive Rights
site.
Whether someone can get an abortion or related medical procedure mostly hinges on which state they live in after the Supreme Court overturned Roe v. Wade last month and ended the constitutional right to abortion. But the switch from federal protection to state law isn't straightforward and has led to confusion and misinformation on what pregnant patients and physicians can do.
In this still developing landscape, how confident can people be that their treatment is still legal?
"The answer to all your questions is 'Who the heck knows,'" said Dr. Louise Perkins King, a surgeon and bioethicist at Harvard Medical School. "And that's the problem."
The US Department of Health and Human Services issued guidance on July 11 reminding physicians of their responsibilities under the existing Emergency Medical Treatment and Labor Act, or EMTLA, which supports the need to treat and stabilize patients in an emergency, including pregnant patients who may require an abortion. Days later, Texas sued the Biden administration over the law, which allows for medical assistance to save the life of the mother, because, Texas Attorney General Ken Paxton said, it "seeks to transform every emergency room in the country into a walk-in abortion clinic."
On Tuesday, a judge in Texas blocked the EMTLA guidance, so physicians in that state may no longer be protected by federal law if they perform an abortion when they deem it medically necessary but it falls outside of Texas' interpretation of a life-endangering pregnancy. Physicians nationwide who are members of the American Association of Pro-Life Gynecologists and Obstetricians or the Christian Medical and Dental Association are also exempt -- a total of about 18,000 health care providers, according to the court document.
Texas' new trigger law -- which will be in effect on Aug. 25 -- bans all abortions except when the pregnancy puts the mother "at risk of death or poses a serious risk of substantial impairment of a major bodily function." Physicians who perform an illegal abortion will be committing a felony. It doesn't make exceptions for rape, incest or fetal abnormalities, and it also doesn't make an exception for when the pregnant person's risk of death would come from a "claim or diagnosis" that they'll be hurt or might die in the future. (This could be interpreted to mean a doctor can't provide an abortion if a woman threatens to die by suicide because she has depression.) All abortions are currently banned in Texas after the state's Supreme Court ruled that a law from the 1920s could stand.
Legal battles within some states will continue to shape post-Roe America, with the landscape changing by the day. And lawsuits like the one in Texas clarify the country's stance on whether state law preempts federal rule on abortion or reproductive health care. Basically, can federal regulations trump state law?
"There's going to be cases that are going to have to determine this question," I. Glenn Cohen, a professor and bioethicist at Harvard Law School, said.
The argument over medication abortion access -- which is banned or restricted in many states but still available to people if they order it (not without risk) online -- will likely also be one of the first big court cases post-Roe, Cohen said. Questions of whether federal regulations on medication abortion conflict directly enough with state restrictions will continue to be center stage.
Medication abortion, for use in early pregnancy, accounts for more than half of abortions in the US. Restricting the pills is the new frontier of abortion bans.
Robyn Beck/Getty Images
Other federal guidance issued by the Biden administration includes a reminder to pharmacists that they are required to fill medication and birth control prescriptions for patients. Failing to do so is discrimination based on pregnancy status. This was in response to the many reports of women having treatment delayed or prescriptions denied while health care workers try to navigate around new state laws.
Here's what we know today.
Can states ban abortion pills? Not completely, but some are trying.
Any state with a current total ban on abortion -- including Texas, Oklahoma, South Dakota, Alabama, Arkansas, Mississippi, Missouri and Wisconsin -- also bans medication abortion. Heavy restrictions in other states, including Tennessee and South Carolina, which ban abortion after about six weeks, also extend to medication abortion. This means providers can't prescribe the medication in those states and patients can't fill prescriptions at pharmacies.
"If a state law bans abortion broadly, that includes medication abortions," Elisabeth Smith, director of state policy and advocacy at the Center for Reproductive Rights, told MedPage Today.
But abortion bans and state laws seek to punish abortion providers or people who assist them, not the person seeking the abortion (there's reason to believe this might change in the future). For now, people living in the most restrictive states can still order pills from an overseas pharmacy, including Aid Access. However, the pills could take awhile to arrive and potentially put the person past the point of pregnancy for which the medication is safe and effective (about 10 weeks).
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The fate of medication abortion pills in Republican-leaning states centers on mifepristone, the first pill given in the two-dose regimen of medication abortion. Because the US Food and Drug Administration approved mifepristone as a safe and effective way to end a pregnancy over 20 years ago, states shouldn't be able to restrict it, the US attorney general's office argued the same day Roe was overturned. (Misoprostol, the second pill, is used off-label for abortion and miscarriage treatment. It's also used to treat health conditions such as stomach ulcers.)
Whether this federal regulation (and the FDA's stamp of approval) supersedes state laws will need to be decided. Cohen said this is likely to be determined by the Supreme Court as "one of the first post-Dobbs cases."
"It's unclear whether that's going to be a winner of an argument, to be perfectly honest," Cohen said.
Last year, the FDA extended a pandemic-era rule that allowed patients to get medication abortion pills through the mail, instead of requiring them to be prescribed in person. This was seen as a victory for the American College of Obstetricians and Gynecologists and other medical groups, which viewed the in-person requirement as unnecessary for a medication that's safe and effective in early pregnancy.
But states have their own requirements for medication abortion, and providers licensed in Montana can't prescribe pills to patients who travel over from a restrictive state like South Dakota, NPR reported.
Read more: Worries About Post-Roe Data Privacy Put Spotlight on Period Apps
Ectopic pregnancies can't result in a delivery and require medical treatment. Symptoms can start with typical pregnancy signs, including a missed period, but can progress to abdominal or pelvic pain, vaginal bleeding, weakness and more.
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Can states ban treatment for high risk pregnancies? The HHS says no, but doctors say state laws are restricting care.
Even though the most restrictive states banning abortions leave room for some degree of medical emergency, practicing physicians need to decide where the medical emergency line is – and risk prosecution if a state sees it differently.
This month, the story of a 10-year-old girl who was raped and pregnant and who traveled to Indiana from Ohio, where abortion is banned around six weeks without exception for rape or incest, made headlines. Not only was the physician publicly questioned by Indiana's attorney general on whether she followed state law, but Ohio Attorney General Dave Yost said in the aftermath that the girl should've been able to legally get an abortion under the state law's medical emergency exemption. Ohio's OB-GYNs disagreed.
"It states specifically 'medically diagnosed condition,' and as far as I can tell, adolescent pregnancy is not a medically diagnosed condition that's listed," Dr. Jason Sayat, a Columbus OB-GYN, told the Ohio Capital Journal.
The Department of Health and Human Services reminded physicians and hospitals that if they want to keep their Medicare agreement and avoid "civil penalties," they must treat pregnant patients and provide abortions if necessary as required under the 1986 Emergency Medical Treatment and Labor Act. The EMTLA, now blocked in Texas, outlines certain life-endangering pregnancies that doctors must treat regardless of state law, including ectopic pregnancies, preeclampsia and complications of pregnancy loss.
But that narrow line of abortion exceptions for medical emergencies given by states like Wisconsin is what's troubling Dr. Jennifer McIntosh, a maternal-fetal medicine physician practicing in the state. While Wisconsin's attorney general said he wouldn't enforce a ban, physicians there stopped performing abortions because the state has a pre-Roe criminal statute that prohibits most abortions. The "save the life of the mother" abortion exception language in that law can leave out health conditions which may not be an immediate emergency but can become one down the line.
"Some of what we do is to prevent emergencies from happening," McIntosh said. "To have to wait for an emergency to actually appear puts your patient's life at risk."
The treatment for an ectopic pregnancy is termination, because terminating the pregnancy is the only safe outcome when an embryo grows outside of the uterus, typically in a fallopian tube. Without treatment, the fallopian tube is likely to rupture, which can lead to internal bleeding and death. But some laws, like one in Texas, specifically restrict medications including methotrexate, which has led to access problems for people who are pregnant as well as people who are taking methotrexate for another health reason.
Complicating confusion and risk over how abortion bans will affect treatments for ectopic pregnancies is the fact that more rare types of ectopic pregnancies exist, including ones where the pregnancy is growing inside a C-section scar or other area outside the safety of the main cavity of the uterus -- but still technically in the uterus. These rarer kinds of ectopic pregnancies are also life-threatening, and may be more difficult to diagnose and treat as such in a state that bans abortions with an emphasis on the pregnancy being in the uterus.
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States are not prosecuting people who have abortions (yet)
Current state laws -- both those in effect and those in limbo in court -- prosecute other people involved in an abortion, not the person who's pregnant.
But the health impact may be already felt when a doctor is hesitant to treat patients, or pharmacists are reluctant to fill a prescription for mifepristone before interviewing a woman to ascertain whether her pregnancy is already ended and her situation is in line with state law.
"Even in these straightforward cases of basic OB/GYN practice, the laws leave providers questioning and afraid," Dr. Carley Zeal, an OB-GYN in Wisconsin, told The New York Times. "These laws are already hurting my patients."
Aside from hesitancy among health care providers, physicians also fear that worries people have about being prosecuted for having an abortion or miscarriage will stop patients experiencing complications from any kind of pregnancy loss from seeking care.
That's because it was already happening, before Roe was overturned. According to the National Advocates for Pregnant Women, there were over 1,700 arrests or prosecutions of women from 1973 (when Roe became law) to 2020 where their pregnancies were the focus of the case against them.
So will doctors report you if they suspect you had an abortion?
"The vast majority of health care professionals will not do that, because that's not caring for their patients," King said. But, she added, "I'm sure there's a very small, but unfortunately detrimental, minority who might."
Your current access to birth control shouldn't be impacted by the overturn of Roe v. Wade. However, there's reason to believe that could change in the future.
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Birth control is still protected under the Affordable Care Act
Right now, IUDs, birth control pills and other birth control methods are legal in all 50 states. And they should also be covered at no out-of-pocket cost for those covered under the Affordable Care Act. The right to birth control is protected under two Supreme Court rulings: Griswold v. Connecticut (1965) and Eisenstadt v. Baird. (Another Supreme Court Case, Burwell v. Hobby Lobby Stores, chipped away a little of that protection, however, finding that some corporations are exempt for religious reasons.)
Plan B or "morning after pill" brands are also not included in abortion bans, because they will not end an existing pregnancy. Most health plans should also cover them.
Legislators in Missouri last year voted to block taxpayer funding for IUDs and emergency contraception, casting doubt that all birth control devices will be protected indefinitely, at least in some states. The claims of legislators like Paul Wieland, a Republican state senator in Missouri, are that anything that has the potential to disrupt a fertilized egg's implantation into the uterus is an abortifacient.
The medical community has been clear that IUDs and emergency contraception do not cause abortions and will not end an existing pregnancy. Copper IUDs work mostly by causing a chemical change in the sperm and egg before they meet, according to the World Health Organization. Hormonal IUDs like Mirena work mostly by thickening cervical mucus so sperm can't reach the egg, and can also prevent ovulation. Plan B and similar pills likely won't work if a person has already ovulated, meaning the chances of it stopping implantation are currently understood to be slim.
Nevertheless, unlikely occurrences or instances where a fertilized egg may be prevented from implanting into a uterus could be called into question in future court cases.
Read more: Could a Post Roe v. Wade World Impact Your Access to Birth Control?
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.
The personal computer industry backed a promising candidate in the ultrabook concept, convincing even a skeptic like myself that a new class of superslim, superlight laptops was the key to exciting consumers. Ultrabooks were well on their way to becoming the PC form factor of the future.
And now, it's already over.
In record time -- something less than six months -- the ultrabook term has become so overused and amorphous that it's well on its way to being useless.
Liberal terminology The first major examples of this new ultrabook rift are two laptops we recently reviewed. The HP Envy 14 Spectreand the Samsung Series 5 Ultra are both 14-inch laptops pitched as ultrabooks. The idea of bringing the ultrabook concept to larger laptops is a reasonable one -- the initial wave of ultrabooks were all 13-inch systems -- but they need to be nearly as thin and lightweight as the 13-inch models.
Instead, both the HP Spectre and Samsung Series 5 Ultra weigh a hair under 4 pounds, about a full pound more than a 13-inch MacBook Air. Both are also about one-tenth of an inch thicker. That may not sound like much, but when less than an inch is your baseline, it makes a noticeable difference in the feel of the laptop in your hand.
The biggest deviation from the ultrabook model to date is the 14-inch Samsung's use of a standard 500GB platter hard drive. The ultrabook platform is supposed to be built around faster, lighter solid-state drives (SSDs), and Samsung includes a tiny 16GB SSD as a secondary drive, which allows it to meet the letter, if not the spirit, of the ultrabook specifications. This system also includes an optical drive, which is another difference from previous ultrabooks.
It's relatively thin and light, but should it be an ultrabook? CNET
What you end up with, especially in the case of the Series 5 Ultra, is a perfectly fine midsize, mainstream laptop that can stand toe to toe with anything similar in the $850-$950 range. If we had seen it eight months or a year ago, our initial impression would be, "Wow, that's a pretty thin 14-inch laptop."
But today, there's absolutely nothing about it that says "ultrabook," which is bad news for this promising new category.
The origins of ultrabook So, what is an ultrabook supposed to be, anyway?
Seeing the success of Apple's MacBook Air, Intel and PC manufacturers wanted to find a way to replicate it for Windows-based consumers in systems that could be sold at a reasonable price. The idea was pitched as an entirely new laptop category, although the name "Ultrabook" was a trademarked Intel marketing term, and the systems that were going to use it had to meet a series of Intel-set system requirements.
In fact, Intel even set aside $300 million to help PC makers develop these new systems, saying in August 2011 that it would "invest in companies building hardware and software technologies focused on enhancing how people interact with Ultrabooks such as through sensors and touch, achieving all-day usage through longer battery life, enabling innovative physical designs, and improved storage capacity."
The $799 Toshiba Z835. CNET
From that original big idea, and the subsequent challenge Intel presented to PC makers, came the first generation of laptops to use the ultrabook name. These systems, from companies such as Acer, Lenovo, Toshiba, and Asus, came off very well in our initial reviews and we were surprisingly impressed with the platform, especially as prices declined, offering buyers systems with 128GB SSD drives for as little as $799.
Ultrabooks 2012: From noteworthy to no big deal But a few months ago, at CES 2012, I warned that the road ahead looked foggy, saying: "The ultrabook is in danger of being oversold by both Intel and industry watchers overeager to get behind the Next Big Thing."
And that seems to be exactly what is happening here. The ultrabook idea was a hit. It even seemed to have high name recognition with CNET readers, who would e-mail us with specific questions about which ultrabook they should buy. Now, everyone's rushing to join the bandwagon and the bigger 14- and even 15-inch ultrabooks hitting stores feel like they dilute the concept far too much.
For an example of this kind of branding done right, think back to the early days of wireless networks, when Intel's Centrino name meant that a laptop was able to connect to Wi-Fi and do most of the other networking things you needed it to, without you having to delve too deeply into the spec sheet.
In this case, instead of looking for an Intel ultrabook sticker on a laptop and knowing that it's going to be very thin, very light, rely on SSD storage, boot quickly, and run for a long time on a battery charge, now consumers will have to go back to checking the size and weight specs carefully.
How is that helpful for anybody?
Expect to see more laptops that look like this. CNET
The ultrabook is dead; long live the new laptop order But the ultrabook, as originally presented, is still an idea whose time has come. Apple's MacBook Air proved that consumers could live without optical drives and large-capacity hard drives, and valued long battery life and portability over ports and connections (in that sense, systems such as the Dell Adamo were ahead of their time). Also, ultrabook branding is certainly not going away anytime soon, and we'll all see dozens of new ultrathin laptops both with the ultrabook label and without during the rest of 2012.
The real long-term victory is that the ultrabook is rewriting what it means to be a mainstream laptop. By this time next year, I find it hard to believe that any midprice, midsize laptop won't be well under 1 inch, and closer to 3 pounds than 4 or 5. Optical drives will continue to fade away, as will dedicated Ethernet jacks (although I'm still convinced you'll eventually need one in a pinch). If you're a PC maker and most of your future laptops aren't at least trending toward ultrabooks and the MacBook Air, you simply won't be in the game.
So, yeah: I'm no longer sure what "ultrabook" means anymore. But if most future laptops are going to be thinner, lighter, and faster -- whether or not they get an Intel-approved sticker -- maybe that's not such a bad thing.
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New and Rumored AT&T Phones in 2022: iPhone SE, Galaxy S22, Pixel 6A and More
New and Rumored AT&T Phones in 2022: iPhone SE, Galaxy S22, Pixel 6A and More
Choosing a new phone upgrade is hardly ever simple. In the world of technology there is always something new around the corner, and with Verizon and AT&T embracing 36-month installment plans, the phone you upgrade to will likely be the one you use for the next several years. So, trying to figure out when is the "best time" to upgrade can be tricky.
Here are some of the phones you'll want to keep an eye out for this year and when we think they might arrive based on past trends and rumors.
Read more: What To Know About Switching Carriers In 2022
A note about why you should buy a 2022 phone if you have AT&T
Before we get into the actual devices, it's worth mentioning quickly why with AT&T in particular you should be looking for a 2022 device: 5G support and those long installment terms.
AT&T is prepping for a big 5G upgrade towards the back half of the year that should significantly enhance its service using what is known as midband spectrum. The carrier plans to cover 200 million people with its midband networks by the end of next year, and download speeds are expected to routinely hit several hundred megabits per second, with peaks of 1 gigabit per second.
There are two flavors of midband spectrum AT&T is focusing on, known as C-band and 3.45GHz. The former is what Verizon and AT&T have already started to deploy and is often used for 5G internationally, making it easy to find and enable in a number of already available phones like the Samsung Galaxy S21, iPhone 12 and iPhone 13 and Google's Pixel 6. The carrier already has a list of devices that support C-band.
The 3.45GHz spectrum, however, is not as common in phones today and AT&T has not committed to upgrading earlier devices to support this network. (Making matters a bit more confusing is AT&T is branding both midband flavors, as well as its millimeter-wave network, as "5G Plus.")
Future flagship phones, starting with the Galaxy S22 line (and likely including many of the phones below), are expected to work with all flavors of AT&T's 5G. Since you may be locking yourself into a 36-month commitment when you upgrade, getting a phone that works with all of AT&T's 5G variations should be worth keeping in mind.
The Galaxy S22 Ultra, left, S22 Plus and S22.
Richard Peterson/CNET
Samsung Galaxy S22
Samsung's latest Galaxy S phones are usually the first major phones of the year, and for the US this trend continues to hold true. The latest Galaxy phones boast the latest Qualcomm Snapdragon processors, improved cameras and, at least on the S22 Ultra, a slot for Samsung's S Pen stylus. All three phones will also work with all of AT&T's 5G networks.
When are they coming out? The new Galaxy phones hit stores on Feb. 25. Prices start at $800 for the regular Galaxy S22, $1,000 for the S22 Plus and $1,200 for the S22 Ultra.
The new iPhone SE is expected to keep a similar design to the current iPhone SE, above.
Angela Lang/CNET
Apple iPhone SE 3
Apple's budget iPhone has received a fresh 2022 upgrade. Well, kind of fresh. The new model features a nearly identical design to the second-generation iPhone SE (which itself is similar to the iPhone 8) -- which means yes to a home button and big bezels, but no to Face ID or a larger screen -- but now packs in support for low-band and midband 5G networks. The new SE also runs on Apple's A15 processor, the same chip found in the iPhone 13, and has better battery life.
AT&T confirmed that the new iPhone SE will not work with its forthcoming 3.45GHz midband 5G network. It also lacks support for AT&T's millimeter-wave 5G network. You can read more about the different names and flavors of 5G here.
When is it coming out? Apple's newest iPhone SE is available for preorder on March 11 and will go on sale on March 18. Prices start at $429 for a 64GB model.
The rumored Pixel 6A.
OnLeaks/91Mobiles
Google Pixel 6A
Like Apple, Google also is rumored to be working on a new, more affordable version of its Pixel line. A successor to last year's Pixel 5A, according to 9to5Google, the Pixel 6A will include Google's Tensor chip and two rear cameras: a 12.2-megapixel main shooter and 12-megapixel ultrawide lens. An 8-megapixel camera will be found on the front.
A report from OnLeaks and 91Mobiles revealed that design-wise the phone will feature a similar look to the Pixel 6 and 6 Pro, including the camera bar along the top of the back of the phone. The screen will be 6.2 inches across, with a fingerprint reader inside the display.
When is it coming out? Google generally does its Pixel A-series updates in the summer, with the Pixel 5A announced in August last year and the Pixel 4A line announced the same time the previous year. That said, it is possible the phone might show up at the company's annual Google I/O developer event, which is where the Pixel 3A made its debut back in 2019.
Samsung's Z Fold 3 and Z Flip 3.
Lexy Savvides/CNET
Samsung Galaxy Z Flip 4 and Z Fold 4
Samsung has been consistent in updating its foldable phones every summer. While rumors are pretty thin on what to expect for 2022, if you are a fan of foldable devices these are two to keep an eye on. Korean news site The Elec reports that the Z Fold 4 will follow the S22 Ultra's lead and include a slot for an S Pen stylus.
When are they coming out? Samsung has used its end-of-summer launch to roll out updates to its Z line of phones in the past, so if that trend holds true these could arrive in August or September. Last year's Z series was announced in August.
An early iPhone 14 render from Jon Prosser, designed by Ian Zelbo.
Jon Prosser
Apple iPhone 14
Whereas the iPhone SE 3 is seemingly imminent, the next major iPhone update isn't slated to hit until the fall. Among the many rumored changes and improvements for this year's flagship line of iPhones include the regular upgrades to the processor and camera, with the Pro and Pro Max possibly getting 48-megapixel rear shooters, up from the 12 megapixels that have been found on previous iPhones.
Potentially the biggest change in the iPhone 14, however, could be in the front camera placement for the 14 Pro and Pro Max. Rumors suggest Apple might finally ditch the notch and go with a hole or pill-shaped cutout instead.
When are they coming out? Apple generally announces its major iPhone upgrades in September.
Google's rumored Pixel foldable is rumored to be similar in design to Oppo's Find N, above.
Eli Blumenthal/CNET
Google Pixel 7, 7 Pro and Pixel Notepad
Google is rumored to be working on a few big Pixel upgrades this year, including successors to the Pixel 6 line and a new foldable Pixel. According to 9to5Google, the Pixel 7 line will sport a second-generation version of Google's custom Tensor processor as well as an updated Samsung modem for connecting to cellular networks. A recent leak from OnLeaks and SmartPrix appears to show the design of the 7 Pro, which is similar to last year's Pixel 6 Pro styling.
The rumored Pixel 7 Pro.
OnLeaks/Smartprix
The outlet has also reported that the company is working on a foldable Pixel that it says may be called the Pixel Notepad. Not much is known about this device, though it is expected to run on Google's Tensor chip. 9to5Google also says the price could be more affordable than the $1,800 Samsung charges for the Z Fold 3, and that its design could be more like Oppo's Find N.
When are they coming out? Google has traditionally done its big Pixel updates in October. Analyst Ross Young has tweeted that the foldable phone, in particular, may arrive in October.
