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Labor Day Weekend Travel: What to Do if Your Flight Is Delayed or Canceled

Labor Day Weekend Travel: What to Do if Your Flight Is Delayed or Canceled

What's happening

An estimated 12.8 million Americans will fly over Labor Day weekend.

Why it matters

While air travel has returned to pre-pandemic levels, many airlines are still plagued by significant delays and cancellations.

Labor Day is here and, despite ongoing flight disruptions and high ticket prices, an estimated 12.6 million Americans will be flying over the three-day holiday weekend, according to data from travel site Hopper.

American Airlines alone estimates 2.5 million customers will board 26,400 scheduled flights through Monday. 

Many of those fliers will face delays and cancellations. On average, 23% of flights in August were delayed from departing US airports, an increase of nearly 30% compared to 2019. And cancellation rates last month were more than double their 2019 rates, as airlines mobilize to address staff shortages, pickets, weather disruptions and other issues.

By 10 a.m. ET on Thursday, American Airlines had already reported 100 delayed flights, according to the website FlightAware, and 23 cancellations. Industrywide, more than 800 flights within, into, or out of the United States have been delayed Thursday morning and 102 canceled.

Analysts don't expect schedules will get back to normal until at least the fall, when demand settles down and new hires have had time to be trained up. 

If you're flying over Labor Day, here's what you need to know about avoiding a travel nightmare, what the airlines owe you if there's a cancellation or delay, and more. 

For more travel tips, here are some great travel gadgets, guidance on renewing your passport online and 19 things to add to your travel checklist. before leaving home.

Why have there been so many delays and cancellations?

Layoffs and contract buyouts during the pandemic have left many airlines short-staffed, fueling ongoing delays and cancellations.

Getty Images

Since Memorial Day, US-based airlines canceled more than 50,000 flights and delayed over a half-million, according to NPR. Delta said it canceled 100 scheduled daily flights in the US and Latin America between July 1 and Aug. 7. Southwest Airlines nixed almost 20,000 summer flights.   
The biggest factor has been that airlines are incredibly short-staffed. When the pandemic slowed air travel to a trickle, many carriers bought out employees' contracts and encouraged older pilots to take early retirement.

As a result, from December 2019 to December 2020, the number of airline workers shrank by at least 114,000, according to the Bureau of Labor Statistics. Now carriers are clamoring to staff back up, but they're finding it hard to fill positions. 

The shortages extend to ground staff, baggage handlers, gate personnel and other workers, FlightAware spokesperson Kathleen Bangs told CNET. "They did a lot of buyouts during the pandemic. It's a remarkable growth period and they're just back-footed." 

It's particularly acute with pilots because it can take up to five years and cost hundreds of thousands of dollars to train someone to fly a commercial airplane.

"Most airlines are simply not going to be able to realize their capacity plans because there simply aren't enough pilots, at least not for the next five-plus years," United Airlines CEO Scott Kirby said in a quarterly earnings call back in April, NBC News reported.

Extreme weather has also added to the problem: Severe thunderstorms have caused multiple delays and flight cancellations, and that's aside from hurricane and wildfire season. Aircraft can fly at lower altitudes to try to avoid storm systems, but that burns more fuel -- a dicey proposition given the high cost of jet fuel. 

How to avoid having your flight delayed or canceled

There isn't much you can do to prevent a delay or cancellation. But there are some common-sense steps that will give you a better shot at making it to your destination -- or at least relaxing at home or in a hotel room, rather than stewing in the airport.

Download your airline's mobile app to keep on top of changes to your flight schedule.

Pavlo Gonchar/Getty Images

Leave extra time for layovers. You might think an hour is plenty of time to get from one gate to another, especially in the same terminal. But if the first leg of your journey is delayed that hour can turn into 30 minutes. And with most airlines closing the plane doors about 15 minutes prior to departure, you could easily miss your connection.

Hartsfield-Jackson Atlanta International Airport (ATL), Denver International Airport (DEN) and Los Angeles International Airport (LAX) top the list of busiest hubs over the Labor Day holiday, according to Hopper.

Don't book a late-night flight. If you miss a connection, most airlines will work diligently to get you on the next available flight. But if you booked the last flight of the day to your destination, that may mean having to wait until morning -- and either pacing through the airport for hours or booking a night in a nearby hotel. 

Download the airline's app on your phone. Opt into flight notifications and start manually checking the status of your flight regularly, at least 24 hours in advance. As soon as you hear your flight has been cut, find out if you've been transferred to another flight.

Monitor the weather at both your departure and arrival airports. Start checking the weather in both places a few days before your flight. Some airlines will actually reschedule your flight in advance of a major weather front at no extra charge. If a storm is on its way, you might consider leaving a few days earlier or later or finding a different route.

Buy travel insurance. Depending on why your flight is canceled or delayed, the airline might not comp any meals, accommodations or transport you're forced to purchase. The payout for travel insurance may not cover all of your expenses, but it will definitely be more than the cost of a policy, typically 5% to 10% of your trip cost.

What to do if your flight is delayed or canceled

Time is of the essence, so be proactive about rescheduling your flight. 

"A lot of the time you can reschedule yourself on the flight of your choice" using the airline's app, said David Slotnick, senior aviation reporter for The Points Guy. "It'll save you a lot of time and aggravation." (Like CNET, The Points Guy is owned by Red Ventures.)

If that's not possible, call the airline. Even if you get sent to an automated system, it may have a call-back function. You can still call if you're already at the airport. Do it while you're in line to talk to an agent and take whichever option is available first.

What does the airline owe you if your flight is canceled?

While some airlines are able to get you booked on a different carrier if your flight is canceled, not all can.

Dmitry Marchenko/Getty Images

In the US, if a flight is canceled because of something that is the airline's fault -- a mechanical issue or a staffing shortage -- the carrier is required to refund your ticket.

"If you get canceled for any reason -- you don't take your flight -- they have to offer you a cash refund," Transportation Secretary Pete Buttigieg told NPR. "If you'd rather take miles or a different flight, fine. But that's up to you, not them. They've got to give you a refund. That's a basic rule,"  

The Department of Transportation website mandates airlines must also refund the cost of your ticket after a schedule change or significant delay, but the agency hasn't defined what constitutes a "significant delay."

"Whether you are entitled to a refund depends on many factors -- including the length of the delay, the length of the flight and your particular circumstances," according to the DOT website. Whether a refund following a significant delay is warranted is determined "on a case-by-case basis." 

If you don't request a refund, the airline is still responsible for getting you to your destination. But it could be much later than your original flight. Under most circumstances, carriers should provide vouchers for meals and hotels.

Make your plans quickly, though: Airport hotels fill up quickly amid widespread delays and cancellations.

Some airlines will work to get you on another flight with a different airline, Slotnick said, but not every airline has relationships with other carriers. 

What are airlines doing to address delays and cancellations?

Hiring more employees. "All the airlines are doing major hiring initiatives," Slotnick said. "They're rushing to hire pilots and deploy them." They're also trying to improve work conditions for existing workers: In April, Delta announced it would start paying flight attendants during boarding, rather than just once the plane door closes.

The move, a first for a major US airline, is seen as a countermeasure to a unionization push among workers.

Scheduling more flights. Someairlines are boosting service in popular corridors when they can. "They're trying to strike the right balance between adding flights and creating some slack in the system," Slotnick said.

For example, United Airlines recently launched or resumed 30 flights between the US and Europe, its largest expansion ever. Regular flights from Denver to Munich, Chicago to Zurich and New York to Bergen, Norway, are underway, as well as daily service between Boston and London.

When fully operational, United's transatlantic route network will be more than 25% larger than it was in 2019, before COVID-19 cratered air travel.

Some airlines have ramped up their roster of scheduled flights, while others have pared down to avoid having to cancel them later.

James Martin/CNET

Scheduling fewer flights. Otherairlines are going in the opposite direction, reducing their capacity rather than risk being forced to cancel a scheduled flight. JetBlue has already reduced its May routes by almost 10%, Conde Nast Traveler reported, and will likely make similar cuts throughout the summer.

"By reducing our flight schedule for the summer and continuing to hire new crewmembers, we hope to have more breathing room in the system to help ease some of the recent delays and cancellations that we've seen in the industry," a JetBlue spokesperson told the outlet. 

Southwest Airlines, the world's largest low-cost carrier, cut more than 8,000 domestic flights in June "to adjust to capacity," the company told The Business Journals. 

Delta  "temporarily cut" some Labor Day weekend flights from Ronald Reagan Washington National Airport and New York's LaGuardia and John F. Kennedy airports to deal with a large number of airline crew members and air traffic controllers who have already called in sick, The Washington Times reported.

Giving passengers more notice. All the airlines are making a concerted effort to give passengers as much information as possible, Slotnick said, through text updates and other notifications.

"Even a year before the pandemic, airlines were trying to be proactive about informing passengers, even 24 or 48 hours in advance of a possible cancellation," he said.

Offering waivers
United, Delta and other carriers are offering travel waivers to passengers to encourage them to move their flights out of busy time periods. All waiving the usual flight-change fees and some are even foregoing the usual fare difference.

The Department of Transportation has stepped in to hold airlines accountable

On Sept. 1, the U.S. Department of Transportation launched a new website that lets fliers know what they're entitled to when their flight is significantly delayed or canceled. The Aviation Consumer Protection site has a dashboard that compares what policies are regarding rebooking, meal and hotel vouchers and complimentary ground transportation for carriers including Alaska, Allegiant, American, Delta, Frontier, Hawaiian, JetBlue, Southwest, Spirit and United.

The Transportation Department's Air Consumer Dashboard compares offerings from major carriers.

Department of Transportation

"Passengers deserve transparency and clarity on what to expect from an airline when there is a cancelation or disruption," Transportation Secretary Pete Buttigieg said in a statement. "This dashboard collects that information in one place so travelers can easily understand their rights, compare airline practices, and make informed decisions."

Buttigieg said the goal was to get the airlines to "raise the bar."

"Look, Americans have had experiences with cancellations, delays and poor customer service that just aren't at an acceptable level," he told NPR. "A lot of the airlines are not quite transparent about how and when they'll take care of passengers. "So we're going to put that information out ourselves."

Just knowing that information is out there for air travelers to see has spurred carriers to improve their offerings, Buttigieg added. 

The Department is also collecting comments on a proposed rule requiring airlines to proactively inform passengers about their right to a refund. It would also provide a clearer definition of a "significant change" to a scheduled flight and require airlines to provide non-expiring vouchers to passengers unable to fly because they contracted COVID-19 or other communicable diseases.

The proposal would also mandate carriers that receive pandemic assistance issue those passengers refunds instead of vouchers.

Are any airlines better or worse in terms of cancellations?

In 2021, Delta had the fewest cancellations of any major US airline.

Boarding1Now

Without naming names, Slotnick says that, broadly speaking, low-cost airlines have tighter margins with less slack, so theoretically you're more likely to face a cancellation.

But booking with a big carrier doesn't mean you're immune.

"The regionals have parked a lot of planes because they don't have enough staff," Bangs said. "And a lot of people who book on a major airline don't realize they're actually flying with a smaller carrier."

SkyWest, a smaller airline out of St. George, Utah, subcontracts for Delta, United, American and Alaska Airlines. So does Indiana-based Republic Airways.

Sometimes, bigger is indeed better: Last year, Delta had the best record in cancellation rates, according to The Wall Street Journal's annual airline rankings. The Atlanta-based airline scrubbed 0.6% of its scheduled departures in 2021, a third of the industry average of 1.8%.

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New Windows 10 May 2021 update is here: How to download and everything else to know

New Windows 10 May 2021 update is here: How to download and everything else to know

The Windows 10 May 2021 Update (also known as version 21H1) started rolling out to compatible devices last Tuesday, Microsoft said in a blog post. The operating system update is the latest since the October 2020 update, and includes a few new features like Windows Hello multicamera support and security fixes. (If you're running Windows 7 ($5 at Target), you can still download Windows 10 free to get the May 2021 update and avoid security issues.)

While there are a few useful new features, it seems that Microsoft is using this smaller update cycle to prepare for a larger Windows 10 UI update, reportedly code-named Sun Valley, that will be part of Microsoft's renewed focus on Windows 10 that executives mentioned last year. On Wednesday at the Microsoft Build developer's conference, Microsoft CEO Satya Nadella teased the next update, saying the company is planning "one of the most significant updates of Windows of the past decade," and that Microsoft plans to unveil the new version "very soon."

We won't know exactly what that update includes until it's formally revealed, but we've collected some rumors below. 

Read more: The best antivirus protection of 2021 for Windows 10 

Here's what to know about Windows 10 version 21H1, and what it could mean for the future of the OS. 

What is Windows 10 version 21H1?

Windows 10 version 21H1 is Microsoft's latest update to the OS, and started rolling out on May 18. It's also called the Windows 10 May 2021 update. 

Usually, Microsoft releases a larger feature update in the spring and a smaller one in the fall. But version 21H1, though a spring update, is a more minor update rather than an overhaul. 

Read more: Windows 10 tips: Secret Start menu, taking screenshots and more

What new features does the Windows 10 May 2021 update include?

According to a February Microsoft blog post, new Windows 10 features include:

• Multicamera support for Windows Hello, allowing users to choose an external camera when using high-end displays with integrated cameras.
• Improvements to Windows Defender Application Guard, including optimizing document opening scenario times.
• Improvements to Windows Management Instrumentation (WMI) Group Policy Service (GPSVC) updating, to support remote work. 

"The features we are releasing in this update are focused on the core experiences that customers have told us they're relying on most right now," the post said. "So, we optimized this release to support our customers' most pressing needs." 

According to Digital Trends, the update also includes new icons, updated settings pages and some tweaks to Cortana and the search box experience. 

How can I download the Windows 10 May 2021 update?

The May 2021 update began rolling out on May 18 to select devices, starting with those running Windows 10 version 2004 or later. Not all devices will be offered the update right away, so try to be patient until it reaches yours. There also may be some compatibility issues, according to Microsoft's blog post -- if that happens, Microsoft has a safeguard hold in place and will not offer you the update until the team is confident that you'll have a good update experience.

When the May 2021 update is available to you, you'll be able to download it by going to Settings > Update & Security > Windows Update, and clicking Check for Updates. If available, you'll see Feature update to Windows 10, version 21H1. Click Download and install. 

This marks the first time an H1 (first half of the calendar year) feature update is being delivered using Microsoft's servicing technology. That means it'll arrive the same way that monthly Windows 10 updates do. It's also the same way the October 2020 update was released. If you're already running either Windows 10 version 2004 or version 20H2, it'll be a fast installation process to get the newest update.

What's this bigger Windows 10 update that could be coming next? 

On an October 2020 earnings call, Nadella said that Microsoft is "doubling down" on Windows and PCs, and will continue to innovate. 

This could take the form of a major OS update for Windows 10 later this year that would bring a major design refresh to the UI, according to a report from Windows Central. The update, reportedly code-named Sun Valley, could bring a redesigned Start menu, Action Center and File Explorer, with a more modern look and new features. Sun Valley is expected to be released around the 2021 holiday season, Windows Central says, but that could change. 

Again, at the Microsoft Build conference on May 25, Nadella teased the next Windows 10 update, saying the company is planning "one of the most significant updates of Windows of the past decade," and that Microsoft plans to unveil the new version "very soon."

Another factor: Microsoft said that its Windows 10X OS designed for dual-screen devices like the Surface Duo and the Surface Neo will not come to market this year, as Microsoft originally intended. Instead, Microsoft will build parts of that technology into other parts of Windows and products from the company, the May 18 blog post said.

For more, check out the best three new features in the Windows 10 October 2020 update and six simple security changes all Windows 10 users need to make. 

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

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

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

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

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

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

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

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

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

Key factors to consider when buying a home in 2022

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

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

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

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

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

1. Mortgage rates and price trends

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

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

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

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

2. Financial and personal goals 

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

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

3. Future housing trends and recession risks

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

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

Is it better to rent than buy right now? 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Key factors to consider when buying a home in 2022

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

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

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

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

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

1. Mortgage rates and price trends

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

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

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

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

2. Financial and personal goals 

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

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

3. Future housing trends and recession risks

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

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

Is it better to rent than buy right now? 

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

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

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

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

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

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

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Will Fed Continue to Push Interest Rates Up? Here's What the Latest Inflation Stats Tell Us

Will Fed Continue to Push Interest Rates Up? Here's What the Latest Inflation Stats Tell Us

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

What's happening

Inflation remained unchanged in July. If prices remain steady, or decrease, throughout August, the Fed may slow the rollout of interest rate hikes.

Why it matters

If the Fed continues to drive up interest rates, there will be consequences -- most likely an uptick in unemployment, and an increase in interest rates for mortgages, credit cards and loans.

What it means for you

Soaring consumer prices, tumbling stocks, increased costs to borrow money and the threat of layoffs could prove particularly devastating for low- and middle-income Americans.

The Consumer Price Index showed that inflation slowed in July, though prices remain at record highs, with significant upticks in food and shelter over the last month. The Federal Reserve has been on a crusade to cool rising prices since the end of last year, but it's too soon to say whether -- in light of inflation's slowing pace in July -- we're seeing the fruits of its labor. 

The Federal Reserve's next meeting is in September, and Fed Chair Jerome Powell has said he anticipates additional rate increases throughout the year. But, depending on inflation's pace over the next month, that could change. If inflation improves significantly in August, the Fed may slow the rollout of interest rate hikes -- or, at least, raise interest rates by a smaller amount, compared to the two previous hikes.

Raising interest rates is the main action the Fed can take to try to counter high inflation. When it costs more to borrow -- as with credit cards, mortgages and other loans -- consumers have less spending power and will buy fewer items, decreasing the "demand" side of the supply-demand equation, theoretically helping to lower prices. 

Experts worry that further increases to the cost of borrowing money could contract the economy too much, sending us into a recession: a shrinking, rather than growing, economy. The Fed acknowledges the adverse effects of this restrictive monetary policy.

"We are highly attentive to inflation risks and determined to take the measures necessary to return inflation to our 2% longer run goal," Powell said during July's press conference. "This process is likely to involve a period of below-trend economic growth, and some softening in labor market conditions. But such outcomes are likely necessary to restore price stability and to set the stage for maximum employment and stable prices over the longer run."

As rates rise and inflation continues to swell, you may be wondering how we got here. We'll break down everything you need to know about what's causing record high inflation and how the Fed hopes to bring levels back down.

What's going on with inflation?

In July, inflation surged to 8.5% over the previous year, a slight decline from June's 9.1% reading, according to the Bureau of Labor Statistics. Gas prices declined significantly by 7.7% in July, but that was offset by increasing prices of food and shelter. Food increased by 1.1% last month, the latest in several month's worth of price increases.

During periods of high inflation, your dollar has less purchasing power, making everything you buy more expensive, even though you're likely not getting paid more. In fact, more Americans are living paycheck to paycheck, and wages aren't keeping up with inflation rates. 

Why is inflation so high right now?

In short, a lot of this can be attributed to the pandemic. In March 2020, the onset of COVID-19 caused the US economy to shut down. Millions of employees were laid off, many businesses had to close their doors and the global supply chain was abruptly put on pause. This caused the flow of goods produced and manufactured abroad and shipped to the US to cease for at least two weeks, and in many cases, for months, according to Pete Earle, an economist at the American Institute for Economic Research.

But the reduction in supply was met with increased demand as Americans started purchasing durable goods to replace the services they used prior to the pandemic, said Josh Bivens, director of research at the Economic Policy Institute. "The pandemic put distortions on both the demand and supply side of the US economy," Bivens said. 

Though the immediate impacts of COVID-19 on the US economy are easing, labor disruptions and supply-and-demand imbalances persist, including shortages in microchips, steel, equipment and other goods, causing ongoing slowdowns in manufacturing and construction. Unanticipated shocks to the global economy have made things worse -- particularly subsequent COVID-19 variants, lockdowns in China (which restrict the availability of goods in the US) and the war in Ukraine (which is affecting gas and food prices), according to the World Bank.

Powell confirmed the World Bank's findings at the Fed's June meeting, calling these external factors challenging because they are outside of the central bank's control. 

Some lawmakers have also accused corporations of seizing on inflation as an excuse to increase prices more than necessary, a form of price gouging.

Why is the Federal Reserve raising rates?

With inflation hitting record highs, the Fed is under a great deal of pressure from policymakers and consumers to get the situation under control. One of the Fed's primary objectives is to promote price stability and maintain inflation at a rate of 2%. 

By raising interest rates, the Fed aims to slow down the economy by making borrowing more expensive. In turn, consumers, investors and businesses pause on making investments and purchases with credit, which leads to reduced economic demand, theoretically reeling in prices and balancing the scales of supply and demand. 

The Fed raised the federal funds rate by a quarter of a percentage point in March, followed by a half of a percentage point in May and three-quarters of a percentage point in mid-June. In July, the Fed raised rates by another three-quarters of a percentage point. 

The federal funds rate is the interest rate that banks charge each other for borrowing and lending. And there's a trickle-down effect: When it costs banks more to borrow from one another, they offset it by raising rates on their consumer loan products. That's how the Fed effectively drives up interest rates in the US economy. 

The federal funds rate now sits at a range of 2.25% to 2.5%. But the Fed thinks this needs to go up significantly to see progress on inflation, likely into the 3.5% to 4% range, according to Powell. The Fed's latest estimate is that, by the end of this year, the federal funds rate will sit at a range of 3.25% to 3.50%.

However, hiking interest rates can only reduce inflationary pressures so much, especially when the current factors are largely on the supply side -- and are worldwide. A growing number of economists say that the situation is more complicated to get under control, and that the Fed's monetary policy alone is not enough.

Could rising interest rates spark a recession?

We can't yet determine how these policy moves will broadly affect prices and wages. But with more rate hikes projected this year, there's concern that the Fed will overreact by raising rates too aggressively, which could spark a more painful economic downturn or create a recession. 

The National Bureau of Economic Research, which hasn't yet officially determined if the US is in a recession, defines a recession as "a significant decline in economic activity that is spread across the economy and lasts more than a few months." That means a declining gross domestic product, or GDP, alongside diminishing production and retail sales, as well as shrinking incomes and lower employment. 

Pushing up rates too quickly might reduce consumer demand too much and unduly stifle economic growth, leading businesses to lay off workers or stop hiring. That would drive up unemployment, leading to another problem for the Fed, as it's also tasked with maintaining maximum employment. 

In a general sense, inflation and unemployment have an inverse relationship. When more people are working, they have the means to spend, leading to an increase in demand and elevated prices. However, when inflation is low, joblessness tends to be higher. But with prices remaining sky-high, many investors are increasingly worried about a coming period of stagflation -- the toxic combination of slow economic growth with high unemployment and inflation. 

Here's what higher interest rates mean for you

For the past two years, interest rates had been at historic lows, partially because the Fed slashed rates in 2020 to keep the US economy afloat in the face of lockdowns. The Fed kept interest rates near zero, a move made only once before, during the financial crisis of 2008. 

For the average consumer, increased interest rates means buying a car or a home will get more expensive, since you'll pay more in interest. Higher rates could make it more expensive to refinance your mortgage or student loans. Moreover, the Fed hikes will drive up interest rates on credit cards, meaning that your debt on outstanding balances will go up. 

Securities and crypto markets could also be negatively impacted by the Fed's decisions to raise rates. When interest rates go up, money is more expensive to borrow, leading to less liquidity in both the crypto and stock markets. Investor psychology can also cause markets to slide, as cautious investors may move their money out of stocks or crypto into more conservative investments, such as government bonds.

On the flip side, rising interest rates could mean a slightly better return on your savings accounts. Interest rates on savings deposits are directly affected by the federal funds rate. Several banks have already increased annual percentage yields, or APYs, on their savings accounts and certificates of deposit in the wake of the Fed's rate hikes.

We'll keep you updated on the evolving economic situation as it develops.

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These Galaxy S22 Ultra camera features mean better pictures of your dog

These Galaxy S22 Ultra camera features mean better pictures of your dog

The Samsung Galaxy S22 Ultra's appealing display and sneaky hidden S-Pen stylus is exciting, but as a professional photographer, it's the camera setup I'm most keen to dive into. 

The S22 Ultra, launched at today's Unpacked event alongside the Galaxy S22, S22 Plus and Galaxy Tab S8, is already starting from a good place. Its predecessor, the S21 Ultra, had a superb camera, and much of it hardware carries over: The main camera still has a 108-megapixel resolution, the ultra-wide camera is 12-megapixels, there's a 10-megapixel lens offering 3x optical zoom and an additional 10-megapixel periscope lens offering 10x optical zoom. It's an almost identical setup to the S21 Ultra, but Samsung uses this as a foundation for changes that largely affect the software side. 

Read more: The Galaxy S22 Ultra fails to excite this pro photographer. And that's a problem

The bad news is that if you were hoping for some photography revolution, like the rumored 200-megapixel sensor or continuous zoom, then you'll be disappointed. Let's dive into what has and hasn't changed.

Improved low light and AI

The main driving force behind Samsung's promised boosts in low-light photos is something called "pixel binning" in which multiple pixels combine to form a larger pixel that's capable of capturing more light. In the S22 Ultra's case, 9 individual pixels combine to create a single pixel in a process called "nona binning." But the image also uses details captured by the 108-megapixel camera to create a shot that's bright, vibrant and free of image noise, but still packed with detail. At least, that's the idea. 

We're looking forward to seeing how well the phone copes in dark situations like this.

Samsung

Samsung also says it's improved the AI processing of images, especially night shots, to further reduce image noise and improve the overall quality. Whether these software tweaks make a noticeable difference in night-mode shots remains to be seen, but the phone will have to work hard to compete with the night mode shots from the iPhone 13 Pro and Pixel 6 Pro. 

Read more: Samsung's Galaxy S22 vs. iPhone 13 and Galaxy S22 vs. Pixel 6 Pro

Better portrait blur, now with added doggos

Portrait mode photos with artfully out-of-focus backgrounds aren't new, but they've been getting steadily better over the past few years, yielding more natural-looking results. Samsung reckons its most recent algorithm updates can pick out even a single strand of hair from its background, ensuring your subject stays entirely in focus, with a natural blurred background (called "bokeh") around them. 

The phone will apparently be able to do this even with complicated backgrounds. Samsung showed one demo involving a girl standing in front of what looked like a fishing net, and the blurring around her looked spot-on. 

Once you've captured the perfect dog photo you can use the S-Pen to draw all over it like the monster you are.

Samsung

But more excitingly still is that it apparently will work just as well with portrait photos of dogs and maybe other pets too. Whether it can really identify every hair around a poofy Pomeranian very much remains to be seen, but anything that encourages more photos of beautiful golden retrievers gets the seal of approval from me. 

Improved video quality

Like its predecessor, the S22 Ultra can shoot videos at up to 8K resolution from its main rear camera and at 240 frames per second at full HD for cool slow-mo videos. And while we aren't getting any more great leaps in resolution, high speed or video zooming here, there are some "behind the scenes" tweaks Samsung has made to improve video quality generally. 

The AI algorithms have apparently been boosted across the board, resulting in better HDR video footage, balancing those bright skies and those shadowy areas for a more even-looking shot overall. The AI also promises better auto focus and lower noise, particularly at night. 

Samsung promises better-looking low light in video, too.

Samsung

Videos can now be shot using an automatic, variable frame rate, which will change depending on conditions and could help reduce that annoying flicker you can get when shooting under artificial lighting. A higher frame rate can also help achieve smoother footage when filming fast-moving objects, such as cars whizzing past at a motor race. 

The downside is that variable frame rates can be very difficult for video editing applications like Adobe Premiere to handle, so if you plan on shooting and editing your footage this might be a function to avoid. 

Samsung's also added an auto-framing option for video, whereby the camera will automatically zoom in and out when you're filming people to capture everyone in the scene. It can detect up to 10 individual faces, and tapping on one person's face will allow the camera to automatically zoom in and track them in the scene. 

I can't think of a lot of occasions where this function would be all that useful to me, but that might just be because I've not been around more than three people at once since the end of 2019. 

Expert Raw sounds like it could offer great images. But why does it need to be a separate app?

Samsung

Expert Raw for better pro shots

Samsung is introducing a dedicated pro photography app -- called Expert Raw -- which will allow for manual control over settings like shutter speed, ISO and white balance, while also allowing for capturing images in 16-bit DNG raw format. Raw images typically allow for much more control over editing in apps like Adobe Lightroom, while also capturing more details in bright highlights and dark shadows than JPEG images are usually able to. Exactly how this will differ from its existing "Pro" mode, which also gives control over those settings and lets you shoot in DNG raw, remains to be seen.

Samsung also mentioned in its briefing that Expert Raw will also allow for "high dynamic range pictures in multiframe raw format" -- potentially meaning it will be able to combine different exposures into one HDR image with better dynamic range, yet still produce a DNG raw file that offers the flexibility of raw editing. This sounds very much like computational raw photography and it's exactly what Apple did with the introduction of ProRaw on the iPhone 12 Pro. 

However, it's not clear at the time of writing if this definitely is computational raw, or if it's just regular raw files that may allow you to pull back a bit more highlight detail. I've reached out to Samsung for clarification and will update this article when we hear more. If it is then that could be an exciting step forward for the phone's photographic capabilities, but it's baffling why this is only something you can apparently only do in a dedicated Expert Raw app that requires downloading from Samsung's Galaxy Store, rather than directly from the main camera, as you can do with the iPhone. 

For more, check out how Samsung's new Galaxy phones compare, what to know about nightography and what the Galaxy S22 means for the Galaxy Note series. Looking to buy one of the new handsets? Take a look at CNET's guide to Galaxy S22 preorders. 

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