Best places to travel labor day weekend best travel deals for labor day weekend 2015 cheap travel labor day weekend best travel deals for labor day weekend 2015 best places to travel labor day weekend labor day weekend 2022 canada labor day weekend 2022 dates labor day 2022 labor day usa labor day meaning

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%.

---

Source

https://nichols.my.id/how-to-repair-excel-on-windows-10.html

.

Mortgage rates march 17 2022 current mortgage rates april 2022 mortgage refinance rates now today s mortgage refinance rates mortgage refinance rates for bad credit va mortgage refinance rates mortgage refinance rates pa mortgage refinance rates florida

Mortgage Refinance Rates for Aug. 17, 2022: Mixed Rates

Mortgage Refinance Rates for Aug. 17, 2022: Mixed Rates

The national rate average for a 15-year fixed-rate refinance moved up, while 30-year fixed refinance rates shrank. The average rates for 10-year fixed refinances increased.

Like mortgage rates, refinance rates fluctuate on a daily basis. With inflation at a 40-year high, the Federal Reserve has hiked the federal funds rate four times this year and is poised to do so again in 2022 to try to slow rampant inflation. Though mortgage rates are not set by the central bank, these federal rate hikes increase the cost of borrowing money. Whether refinance rates will continue to rise or fall will depend on what happens next with inflation. If inflation begins to cool, rates will likely follow suit. But if inflation remains high, we could see refinance rates maintain an upward trajectory. If rates for a refi are currently lower than your existing mortgage rate, you could save money by locking in a rate now. As always, consider your goals and circumstances, and compare rates and fees to find a mortgage lender who can meet your needs.

30-year fixed-rate refinance

The average rate for a 30-year fixed refinance loan is currently 5.50%, a decrease of 3 basis points from what we saw one week ago. (A basis point is equivalent to 0.01%.) A 30-year fixed refinance will typically have lower monthly payments than a 15-year or 10-year refinance. If you're having difficulties making your monthly payments currently, a 30-year refinance could be a good option for you. In exchange for the lower monthly payments though, rates for a 30-year refinance will typically be higher than 15-year and 10-year refinance rates. You'll also pay off your loan slower.

15-year fixed-rate refinance

The average 15-year fixed refinance rate right now is 4.83%, an increase of 1 basis point over last week. With a 15-year fixed refinance, you'll have a larger monthly payment than a 30-year loan. On the other hand, you'll save money on interest, since you'll pay off the loan sooner. Interest rates for a 15-year refinance also tend to be lower than that of a 30-year refinance, so you'll save even more in the long run.

10-year fixed-rate refinance

The average rate for a 10-year fixed refinance loan is currently 4.92%, an increase of 2 basis points over last week. A 10-year refinance will typically feature the highest monthly payment of all refinance terms, but the lowest interest rate. A 10-year refinance can help you pay off your house much faster and save on interest in the long run. Just be sure to carefully consider your budget and current financial situation to make sure that you can afford a higher monthly payment.

Where rates are headed

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

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

Average refinance interest rates

Product	Rate	Last week	Change
30-year fixed refi	5.50%	5.53%	-0.03
15-year fixed refi	4.83%	4.82%	+0.01
10-year fixed refi	4.92%	4.90%	+0.02

Rates as of Aug 17, 2022.

How to find personalized refinance rates

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

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

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

When should I refinance?

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

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

---

Source

https://nichols.my.id/how-to-fix-connection-is-not-private.html

.

Trick to save money on gas how to save money on gas prices how can i save money on gas best way to save on gas prices best way to get cheap gas how to get gas for cheap best gas saving tips cheaper gas and electricity

Cheaper Gas: Quick Tips to Save Money at the Pump

Cheaper Gas: Quick Tips to Save Money at the Pump

What's happening

Gas prices have dropped from record-high levels but are still much higher than last year.

Why it matters

With prices so high, using less gas and paying less for fuel can add up to sizable savings.

Gas prices  have retreated from their record high of $5.02 a gallon on June 16, but they're still 9% higher on average than last year at this time -- that's about $11 more to fill up a 15-gallon tank.

Fluctuating oil production and the war in Ukraine are contributing to higher prices at the pump. And while there's not much that individual motorists can do about those factors, there are several ways to save money on gas. 

Read on for details on price trackers, tips for improved fuel efficiency, club memberships and more.  

Track local prices

GasBuddy is a well-known website for tracking gas prices in the US and Canada. It also provides data for the US Office of Energy Efficiency & Renewable Energy's gas tracker pages. The sites present the information in different ways -- try them both to see which you prefer. GasBuddy is available on the web or via mobile apps for Android and iOS, although critics have raised concerns about its data tracking and privacy policies.

Justin Sullivan/Getty Images

Geico also provides a helpful local gas station tracker: Enter an address, city or ZIP code plus a maximum distance area, and Geico will return a detailed list and map with regular, midgrade and premium gas prices as well as directions to stations.

AAA provides a gas price tracker in its mobile app (Android, iOS), as does Gas Guru (Android, iOS), and you can check gas prices in your vicinity when using navigation apps like Waze and Google Maps. 

Get money back from gas cards and fuel rewards programs

Major gas stations typically offer credit cards and reward programs that give you a percentage back. Speedy Rewards offers a $25 gift card when you reach 500 points, or 50 gallons of gas. At $5 a gallon, that's 10% back on your gas spending.

Shell and BP claim you'll save at least 5 cents per gallon with their respective reward programs, and ExxonMobil says you'll get at least 3 cents off. Be sure to review the terms of each program to see exactly what percentage of your gas spending you'll be getting back.

Supermarket chains also offer rewards programs: For every $100 you spend on groceries at Safeway or Kroger for example, you'll get 10 cents off gasoline the next time you fill up. Kroger works with Shell and Kroger Fuel Centers, while Safeway's program works at Chevron, Texaco and Safeway stations. 

Pay for gas with cash 

GasBuddy shows both credit and cash prices if there is a difference.

Screenshot by Peter Butler/CNET

The practice of charging less for gasoline for customers paying cash varies by region and individual gas station: In Los Angeles, several gas stations offer 20-cent discounts for cash, especially for premium gas.

That difference can quickly add up: You could save $3 every time you completely fill a 15-gallon tank, or $156 a year if you top off weekly. (Just watch those ATM fees: If you're paying $2 to $3 to get your cash each time, you could be losing money.)

Check your tire pressure

Making sure your tires are properly inflated can boost gas mileage by 3%, according to the US Department of Energy. At current prices, that could save you about 15 cents per gallon.

But 60% of car owners only check their tire pressure if an indicator light turns on, according to Jiffy Lube's Vehicle Maintenance Survey. A tire pressure gauge can monitor the health of your tires and only costs about $10 to $20. 

When tires wear down to a depth of 1/16th of an inch, they're considered "bald" and should be replaced right away. 

Google Maps will recommend routes designed to save gas.

Screenshot by Cliff Colby/CNET

Map your route

Google Maps can also boost your miles per gallon by recommending certain routes that avoid hills and traffic, resulting ideally in more constant driving speeds. Fuel-efficient routes are available on the mobile Android and iOS apps, though the feature hasn't been rolled out to all users yet.

To turn on fuel efficiency in Google Maps, tap the three dots on the directions screen, then tap "Route options" and toggle the "Prefer fuel-efficient routes" option on.

Other fuel-tracking mobile apps like Fuelio and JerryCan suggest methods of improving your fuel efficiency as well as tracking gas prices at stations. JerryCan claims that drivers using its app can improve their fuel efficiency by up to 20%.

Try a club membership for discounted gas prices

Costco, Sam's Club and Walmart Plus all offer discounted gas prices to members. Walmart Plus charges 5 cents less at its fueling centers, plus access to all Sam's Club locations. Memberships cost $13 a month or $98 a year, while Sam's Club memberships range between $45 and $100 per year.

Costco fuel prices are almost always significantly lower than at traditional gas stations, generally about five to 25 cents, according to Consumer Reports. Its June 10 review of gas prices found a 34-cent discount on Costco gas in Independence, Missouri, compared to the closest commercial gas station. Costco memberships cost between $60 and $120 per year.

Warning: Due to the record-high prices nationally, gas lines at Costco have become notoriously long.

Buy discounted gas cards through resellers

Gift cards are a popular choice for easy presents, but as you might expect, not all of those gift cards get used. A variety of resellers let consumers hock their unused gift cards or buy them on the cheap.

Raise and Gift Card Granny are two sites that let users buy and sell unused gift cards from Chevon, Texaco, Shell, BP and other gas providers. As you might guess, most discounted gas gift cards are sold out right now, but you can set up alerts for when new ones come in.

Be careful to check the actual price discount and other specifics of any card -- both sites also sell gift cards at retail rates, and Gift Card Granny also sells reward cards.

Become a master of fuel efficiency

You can ease gas consumption quite a bit by learning basic fuel-efficiency practices. Advice for saving gas while driving abounds on the internet, and AAA has compiled some great tips. Here are a few of the biggest savers:

• Drive the speed limit, especially on the freeway. Fuel economy drops sharply once you start driving faster than 50 mph.
• Ease up on the acceleration. "Jackrabbit starts" -- when a car lurches forward very quickly -- are a major gas waster. Accelerating smoothly will also let automatic transmissions shift to higher gears earlier, saving more fuel.
• Avoid extended idling. You're going nowhere while burning up your gas. If it's going to be longer than 60 seconds, turn off your engine.
• Minimize air conditioning. Even at high speeds, open windows hurt your fuel efficiency less than air conditioning. Park in the shade or use a windshield screen to keep your car as cool as possible in summer.
• While driving in the city, time traffic lights so that you don't need to stop and start. Similarly, take your foot off the gas as soon as you see a red light or near a stop sign. The less braking and accelerating, the more gas you will save.

Go even further with hypermiling

Hypermiling is the practice of maximizing fuel efficiency to the ultimate degree, from choosing routes that require less braking and accelerating to cleaning out your trunk to lower your vehicle's weight. 

Hypermilers might even park facing the sun when it's cold to conserve energy spent defrosting their windshield, and in the shade when it's cool to save on AC.

In the video below, CNET's Brian Cooley explains how drivers can adapt extreme hypermiling techniques to increase their own fuel efficiency.

Consider bicycles, public transit and electric vehicles

Soaring gas prices provide a timely opportunity to wean yourself off gasoline-based transportation. Riding a bike or using public transit more often will obviously help decrease your gasoline costs.

Similarly, if you can afford an electric vehicle it will certainly reduce your gas usage. It's not just Tesla -- Hyundai, Ford, Porsche, Audi and many other automakers sell electric cars. Bonus: You'll be fighting pollution and climate change at the same time as you're saving money. 

Check out CNET Cars' list of the best electric vehicles to learn about the latest and greatest EV cars.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

---

Source

https://nichols.my.id/how-to-fix-zipper-bag-not-closing.html

.

Getting a loan for solar panels how to pay for solar panels financing options for solar panels solar panels 0 finance uk best way to finance solar system how to finance how to finance an investment property

How to finance your solar panels: Cash, loan, lease and more

How to finance your solar panels: Cash, loan, lease and more

Whether you're looking to save money, avoid paying so much to your utility or keep some carbon out of the atmosphere, homeowners are generating their own energy with rooftop solar. By some estimates, 13.4% of homes will have solar panels installed by 2030.

While prices are dropping steadily (though supply chain snags have pushed them up recently), rooftop solar costs thousands of dollars, sometimes tens of thousands. Most people don't have that kind of cash laying around, but there are plenty of options for paying for solar.

---

Advertiser Disclosure : CNET's corporate partner, SaveOnEnergy, can help you find the right energy fit for your home. The SaveOnEnergy marketplace helps you search, compare, sign up and save on the right energy fit for your home — all for free. If you're interested in solar, answer a few questions to get an exact price quote from our solar advisors.  

---

"Financing has always been an issue," said Roger Horowitz, director of co-ops at Solar United Neighbors, a nonprofit and advocacy group helping people adopt solar in 11 states. Being able to finance solar is often dependent on having a bunch of cash, good credit and owning a home. 

This article aims to hit some of the highlights of solar financing, but it should not be taken as financial advice. For that you'll have to find someone more qualified to determine whether going solar makes financial sense for you and how to best pull it off. 

Buying solar panels with cash

Arguably the most straightforward way to buy solar panels is with cash, and the benefits are clear. With a cash payment you avoid paying interest and loan fees and don't need a qualifying credit score. As a result, you'll save more money over the life of your solar panels. 

You do have to cough up more cash up front, however, so it will take a while before you recoup the money that you've spent. That period of time is called a payback period, and it's a useful piece of information when deciding whether or not paying in cash is a good option for you. The average payback period is eight years in the US, and you can find help calculating your payback period here.

A cash purchase gives you the opportunity to take advantage of the federal solar tax credit. If your solar panels are fully installed through 2022, the US government will give you 26% of the cost back when you file your taxes. In 2023 the credit falls to 22% and will disappear after that, barring new legislation.

That means you could be getting thousands of dollars back, but it also means you don't get that money back until tax time.

Paying cash works best for folks who have a stable cash flow and can absorb such a large one-time payment, said Grant Klein, senior dealer relations specialist at Clean Energy Credit Union.

Buying solar panels with a loan

If you can't afford to pay all at once, solar loans are widely available from a number of sources and in a number of forms, though a poor credit score might disqualify you.

It's increasingly common for solar providers to offer loans, often from a third party. While these loans are easy to apply for, they can have higher fees associated with them than options from a bank or credit union.

"The vast majority of folks that purchase solar that we see end up using loans from their installers," Horowitz said. He pins that apparent preference on how easy it can be to get a loan in that way. However, getting multiple loan proposals (at least two, Horowitz said) can save you significant money.

One such option is a home equity loan or home equity line of credit, where you borrow against the equity of your house (what you could get for selling it minus what you owe on your mortgage). You can borrow up to 85% of that amount, according to the Federal Trade Commission.

You can claim the federal solar tax credit if you purchase solar using a loan, though it comes back to you when you file your taxes, not when you buy your system. Still, it might be useful in paying back the loan.

Solar loans can be secured or unsecured. A secured loan is one that's backed by collateral, like your house or the solar panels themselves. Essentially, you're saying the lender can sell your collateral to pay off the loan if you fail to pay it. Solar loans are most often secured by the solar equipment, Klein said. Home equity loans are secured by the value in your house. Unsecured loans don't have that guarantee backing them up. As a result, secured loans offer lower interest rates and longer terms for paying them back. 

With any of these options, it's important to shop around and compare lenders. Again, this article isn't to be considered as financial advice. 

Getting help from the government to buy solar panels

Beyond the federal solar tax credit, the federal government (and sometimes your state) can help with a couple of other financing options.

A HomeStyle energy mortgage from Fannie Mae allows you to add the cost of a solar project into your new or refinanced mortgage. The Federal Housing Administration offers similar additions to mortgages. The amount of money you can borrow is determined based on the value of your home. 

One of the advantages of an energy efficient mortgage is that you're borrowing money once instead of twice. That means you only pay one set of loan costs and fees, and you can pay it back over 30 years, instead of 10 or 15 as can be the case with other solar loans. This keeps your monthly payment low. Not every lending institution offers loans from these programs and the borrowing process can be complicated.

"They tend to be more complicated, because you need to make so many phone calls to reach the right people," Horowitz said. That can place an extra burden on people who have fewer financial resources, the people the program is meant to help. It's important to work with an institution who knows how to navigate these systems, Horowitz said. 

An energy efficient mortgage can be used for other energy saving equipment in addition to solar panels such as new insulation, new windows and doors, smart thermostats or water efficiency improvements. Whatever the upgrade, it must be cost effective, which means it needs to save more money over its lifetime than it costs. For most places in the country, solar panels are sure to satisfy that requirement.

Johner Images/Getty Images

Another option is Property Assessed Clean Energy, which deserves a brief mention despite only being available to residential customers in California, Florida and Missouri. Working with a local PACE office, you can finance your solar panels and pay back the loan over a longer period of time through an additional charge on your taxes. In theory, this makes large purchases more affordable, though early iterations of the program have actually buried some low income homeowners with debt and the possibility of foreclosure. New regulations passed by state legislatures could fix this problem.

Getting solar through a lease or power purchase agreement

If buying solar using cash or a loan is out of reach because of poor credit, lack of cash or some other reason, you still have options. Instead of buying, you can enter into a lease or power purchase agreement with a solar provider. With both options, lumped together as third-party-owned solar, the solar provider owns the panels and you agree to pay for the equipment (via lease) or pay for the power (power purchase agreement), usually at a lower price than you pay your utility.

CNET went into detail on power purchase agreements earlier, but briefly, here's what you need to know.

The biggest benefits to these arrangements are that you don't have to buy solar panels to get solar power. Usually you'll save money on power over the life of your agreement, too. And you won't have to worry about the maintenance of the panels, although maintenance usually isn't a huge burden.

Power purchase agreements usually save you less money than buying panels outright. And, depending on the price of your lease or power purchase agreement and how much your payment increases over time, you could end up saving significantly less. The federal tax credit also goes to the owner of the system, in this case the solar company.

Because these agreements commonly last for 25 years, they work best if you plan to stay in your house long term. Anecdotal reports reveal moving to a house with third-party-owned solar panels can be onerous and expensive. What happens if you move is something you'll want to be sure of before sticking third-party-owned solar panels on your roof.

Also, be aware that third-party ownership of solar panels isn't allowed in every state.

Which solar financing option is best?

Sorry! I'm not giving financial advice here. Before making any decision, make sure you get the advice you need from someone qualified, get multiple offers on solar projects or loans, and make a point of reading all the fine print.

Are there finance options I left out? Others you're curious about? Did you finance solar panels in a way that worked perfectly for you? Reach out via comments and let me know.

---

Source

https://residencec.costa.my.id/

.

The iphone 14 s future may be hidden in ios 16 beta the iphone 14 s future may scientist does the iphone 14 screen always on size comparison of the iphone 14 s how much is the iphone 14 when did the iphone 14 come out how much does the iphone 14 cost how big is the iphone 14 pro should i wait for the iphone 14 how much is the iphone 14 how much is the iphone 12

The iPhone 14's Future May Be Hidden in iOS 16

The iPhone 14's Future May Be Hidden in iOS 16

This story is part of WWDC 2022, CNET's complete coverage from and about Apple's annual developers conference.

Apple's next major iPhone operating system, iOS 16, was previewed at WWDC and is now available to download for developers. The new iPhone update will work on the iPhone 8 and newer and likely launch alongside the rumored iPhone 14 this fall. iOS 16 offers a bunch of heavily requested features, such as the ability to customize your lock screen or edit sent iMessages. But if you look closely, iOS 16 might also reveal some clues about the iPhone 14.

While Apple told us a lot about new features coming to current iPhones, it lacked any specific mention of what to expect from the iPhone 14. That's not surprising; Apple never discusses new products before announcing them. Sometimes the company reserves certain software announcements for its annual iPhone event so it can debut these features as exclusives for the latest iPhone. 

For example, Cinematic mode was absent from Apple's iOS 15 announcement and instead launched as an iPhone 13 feature in the fall. Though if you look closely, there were some subtle hints sprinkled in iOS 15. Since Apple launched Portrait mode for FaceTime calls in iOS 15, it's easy to imagine Apple creating a Portrait mode for video recording -- which is essentially what Cinematic mode is.

iOS 16 seems to be no different. Several features look like they have the potential to offer hints as to what we might expect for the iPhone 14 series. One of these clues is actually buried in the code for iOS 16.

The iPhone 14 might have an always-on display

I was disappointed to see that Apple didn't add an always-on display to iOS 16. It's a handy feature found on numerous Android phones, and even the Apple Watch. An always-on display shows basic information like the time or weather while your phone is asleep. Instead of lighting up your entire display like your lock screen does, an always-on display only activates a portion of the screen to save power. It's a great convenience and would make the iPhone more glance-friendly.

The Apple-focused site 9to5Mac reports it discovered multiple references in iOS 16 that suggest support for an always-on display could be in the iPhone's future. The blog found references to backlight management tools as well as hidden flags for engineers that could allow them to test the feature on an iPhone 13 Pro.

The Xiaomi Mi 10 Pro has an always-on display that shows the date, time, battery life and an avatar of an astronaut.

Sareena Dayaram/CNET

But always-on display support might be limited because the screen's refresh rate would have to dip down to 10Hz or even lower to use less power; way below the regular iPhone's typical 60Hz refresh rate. The always-on display for the Apple Watch works at 1Hz which isn't supported on any current iPhone (the 13 Pro can go as low as 10Hz) and that could mean that it debuts on the iPhone 14 Pro and 14 Pro Max since it would likely require new hardware.

Even without these clues in the code, the revamped and customizable lock screen also hints at an always-on display. Specifically, the way iOS 16 notifications are corralled at the bottom of the screen makes me wonder if Apple is experimenting with ways to preserve screen real estate. That's important for an always-on display since that feature only uses specific portions of the screen to preserve power.

iOS 16's new lock screen widgets are another potential clue, since they feel more akin to Apple Watch complications and are therefore more glanceable. Some Android phones have similar widgets on their own always-on displays.  

During the WWDC, Apple showed someone tapping and holding on the dog in a photo and lifting it from the background to share in a message. It's part of a revamped Visual Lookup.

Apple

Visual Lookup could mean a more powerful Cinematic mode

One of iOS 16's more subtle features is revamped Visual Lookup which can identify objects, people, pets and landmarks in photos and provide additional information or context. A nifty addition this year is the ability to tap on any photo to remove the background. You can literally tap-and-lift a foreground subject like a person or a dog away from the background and add the "cutout" to other apps to share or create a collage.

I could see Cinematic mode getting a boost from the machine learning that powers the new Visual Lookup tap-and-lift tool. That machine learning acceleration combined with a likely new A16 Bionic chip could make Cinematic mode videos look better. Subjects could be more reliably "cutout" and backgrounds have more of a consistent out-of-focus look. Apple could also use the separation technology to make Cinematic mode do more things akin to Portrait mode like replace the background for a black color or place your subject against a white backdrop.

Cinematic mode made its debut on the iPhone 13 series and is basically Apple's take on a Portrait mode for video. While Cinematic mode is fun to use, the results can be hit or miss. It's reminiscent of when Apple introduced Portrait mode with the iPhone 7 Plus: Initially it worked but wasn't great. Over several years, Apple improved Portrait mode to the point where it's actually quite wonderful.

A Pro mode for the Camera app

Without even reading a single rumor, you could guess that the cameras on the iPhone 14 series will be better than those on the iPhone 13 lineup. A lot of those improvements will likely come from computational photography-powered features such as SmartHDR and Deep Fusion, which directly correlate to the chip powering the phone. So an iPhone 14 running on an A16 chip would theoretically have new camera features or improved photo processing techniques that the iPhone 13 lacks.

Apple's addition of a customizable lock screen in iOS 16 has me hopeful for an overhaul to the Camera app on the iPhone 14 Pro and 14 Pro Max. New professional features like ProRaw and ProRes video recording can make the Camera app interface feel a bit cramped. Perhaps there could be a Pro mode that can be toggled on and off and provide shortcuts to tweak camera settings on the fly. Or maybe Apple will clean up the Camera app's interface to make it more visually appealing. 

Apple ProRes debuted on the iPhone 13 Pro and 13 Pro Max in 2021.

Patrick Holland/CNET

Don't get me wrong, the iPhone still has one of the best Camera apps on any phone sold today. But much like a family can outgrow a house, the number of features and modes is starting to grow past the app's original intent.

This is all speculation, however, and we won't know anything about the next iPhone until Apple announces it. But if there's one certainty, it's that it will run iOS 16.

---

Source

https://rorospax.kian.my.id/

.

Here's How to Save $15 on the New Google Pixel Buds Pro at Launch

Here's How to Save $15 on the New Google Pixel Buds Pro at Launch

Announced in May at Google's I/O developer conference, the new Google Pixel Buds Pro wireless earbuds are now available to preorder. Retailing for $200 and taking aim squarely at Apple's AirPods Pro, these are Google's first active noise-canceling earbuds and you can score a set of Pixel Buds Pro at a discount before they even launch right now via Wellbots. When placing your preorder there, simply use coupon code CNET15 for an instant $15 price cut, dropping your new earbuds down to only $185.

Google put emphasis on the active noise cancellation performance of the Pixel Buds Pro at I/O (video), touting its Silent Seal technology designed to provide a tight seal for blocking out outside sound while avoiding that feeling of built-up pressure. When you need to let outside noises back in, the Pixel Buds Pro's transparency mode allows you to do just that without removing the earbuds.

Other neat features include support for multipoint Bluetooth connections, IPX4 water resistance, Qi wireless charging support and up to 31 hours of listening time(that includes the capacity of the charging case). Unlike Apple's AirPods earbud lineup, Google's Pixel Buds Pro are available in multiple colors, namely charcoal, fog, coral and lemongrass, for a little added personality.

Google Pixel Buds Pro preorders are slated to start shipping on July 26 and shipping at Wellbots is free.

---

Source

Tags:

• How To Buy Google Pixel
• How To Save Google To My Desktop
• How To Save 15k
• How I Saved 15k
• Shop N Save 15 Off 75
• How To Save 15k In 3 Months
• You Could Save 15 Or More
• Savings Account For 15 Year Old
• Here Sign

Amazon Prime Price Hike: There's Still Time to Lock In Your Rate for Another Year

Amazon Prime Price Hike: There's Still Time to Lock In Your Rate for Another Year

Amazon announced big fourth-quarter profits along with some bad news for customers earlier this month: The online retail giant is raising its annual membership price again. An Amazon Prime membership will soon cost $139 for annual subscribers, up from $119, and monthly members are looking at an increase from $13 to $15 ($156 to $180 for 12 months). For new accounts, the price hike goes into effect on Feb. 18. But if you already have an account, the cost won't increase until Mar. 25.

This bump marks the first time Amazon has raised prices on Amazon Prime since 2018, when the cost went from $99 to $119 per year (from $11 to $13 monthly). The premium subscription service originally launched in 2005 at $79 per year.

As of December 2021, about 172 million people subscribe to Amazon Prime, according to a report from Consumer Intelligence Research Partners. The report notes that Amazon Prime has added 30 million new subscribers each of the past two years.

Even though the price is rising, there are ways to maximize your current subscription or get in on the old price before it's gone. Read on to learn all about the Amazon Prime price change and how you can save money.

How much is Amazon raising the price of Prime?

For the majority of people, the price of Amazon Prime will change from $119 per year to $139, or from $13 monthly to $15.

Prices will also increase for students and other low-income subscribers. Prime Student members will soon pay $7.50 per month, or $69 per year. For recipients of Electronic Benefit Transfer and other qualified forms of government assistance, the monthly price will increase from $6 to $7.

When will the price of Amazon Prime change?

The price changes will take effect Feb. 18 for new Amazon Prime accounts. For existing accounts, the increased price will kick in on the first renewal payment after March 25.

How can I save money before the price of Amazon Prime changes?

If you were considering an Amazon Prime subscription, now's the time to do it. Prices will change for new accounts on Feb. 18. If you pay for a yearly subscription before then, you'll lock in the $119 yearly rate until 2023.

Current Amazon Prime members should take a look at their Amazon accounts to see if they are monthly or yearly subscribers. If you're a monthly subscriber and switch to a yearly subscription, you'll also lock in the $119 rate until next year.

Can I buy a future Amazon Prime membership with a gift card now?

Savvy bargain shoppers have noted that Amazon's "gift of Prime" service can be an effective method of extending the current price rate. If you buy a gift subscription of Amazon Prime before the price change and activate it when your existing subscription expires, you'll get another year at the $119 rate. If you sign up for a yearly account before Feb. 18 and buy another yearly gift subscription at $119, you won't be paying the new $139 yearly rate until 2024 (though you will be paying $238 upfront).

Why is Amazon raising the price of Prime?

Despite better-than expected fourth-quarter earnings, Amazon gave several reasons for the price hike in its press release, including more big-budget shows on Prime Video like The Wheel of Time, Jack Reacher and the upcoming The Lord of the Rings: The Rings of Power as well as its decadelong exclusive license to NFL's Thursday Night Football. The company also touted expanded availability for same-day delivery to 90 metropolitan areas in the US, free shipping for more items and more deals on products.

What services does Amazon Prime offer?

Amazon Prime originally launched with unlimited free two-day shipping for a large number of its products, and that main service remains its most popular benefit. However, Amazon Prime has since expanded its offerings and now includes many other benefits. 

Here are the biggest services Amazon Prime provides:

• Free two-day, next-day or same-day shipping
• Free grocery delivery via Amazon Fresh
• Discounts at Whole Foods
• Free streaming video via Prime Video
• Free streaming music via Amazon Music
• Free magazines and books via Prime Reading
• Unlimited photo storage on Amazon Photos

Visit the Amazon Prime info page for a full list of the services included in an Amazon Prime membership.

Who are Amazon Prime's competitors?

Pricier Amazon Prime subscriptions could make competing services more attractive, but there aren't a whole lot of them. Walmart Plus, which currently costs $98 per year, offers expedited delivery and groceries, but the superstore chain's service doesn't have the extensive TV shows, movies, music and games included with Amazon Prime.

Both Target and Walmart have tried to compete with Amazon Prime Day, a massively popular and yearly two-day sale for Amazon Prime members. Target has launched its own Target Deal Days and emphasizes that no membership fees are required. Similarly, Walmart began its own Deals for Days promotion for three days in June 2021.

Competitors like NewEgg Premier and Google Express encountered difficulties competing with Amazon Prime. NewEgg launched Premier in 2014 but shut it down in December 2019. Google Express also launched in 2019, but it lasted less than a year.

---

Source

Tags:

• Amazon Prime Price Hike There S Still Time To Lock In Your Answer
• Amazon Prime Price Hike There S Still Time To Order
• Amazon Prime Price Hike There S Still Time To Join
• Amazon Prime Price Hike There S Still Power In The Blood Lyrics
• Amazon Prime Price Hike There S Still Room/hyssongs
• Amazon Prime Price Hike There She Goes
• Amazon Prime Price Hike There Stands
• Amazon Prime Price Increase
• Amazon Prime Movies