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Europe's Space Agency Prepares to Solve 5 Mysteries of Jupiter

Europe's Space Agency Prepares to Solve 5 Mysteries of Jupiter

Home to a tangerine storm larger than Earth, owner of peachy winds so frigid you'd probably freeze on impact, and collector of 79 separate moons, Jupiter is something of a spectacle. Even its enormity is barely comprehensible. Take every planet in our solar system, slap their masses together, multiply that by two and you get a chunk about the size of it. 

Who knows what could be going on over there. I mean, really.

Which is why, in April 2023, the European Space Agency plans on sending a space probe to join NASA's Juno orbiter in studying the Jovian lifestyle. It's called Juice, or the Jupiter Icy Moons Explorer. "Juice will make detailed observations of the giant gas planet and its three large ocean-bearing moons -- Ganymede, Callisto and Europa -- with a suite of remote sensing, geophysical and in situ instruments," ESA said in the mission's overview. 

And on Monday, the agency also laid out five specific mysteries it wants to tackle once Juice gets to its destination at this mammoth of a planet in, hopefully, 2031.

ESA's first major question is the obvious one you might've guessed from Juice's full name: What's going on with Ganymede, Callisto and Europa? 

In short, these three moons are at the forefront of the agency's endeavor because they're all suspected to have some sort of water on, or under, their surfaces. Europa, in particular, is projected by astrobiologists to have a hefty amount of H2O and, well, water equals the potential for alien life, which leads us to another of Juice's queries.

Has there ever been life on any of Jupiter's moons -- or, I guess, on Jupiter? In truth, probably not on the latter, because there's neither land nor water on this planet. There's only gas and atmospheric water vapor. Basically, if you tried to stand on Jupiter, you'd just fall in until you were crushed by the planet's immense gravity concentrated toward the center. That's if you could make it that far.

But returning to Europa, an icy world very much with solid ground, scientists currently have this region at the top of their lists of places we might find evidence of extraterrestrial life. In fact, NASA is building a spacecraft dedicated to scanning Europa for such remnants. It's called the Clipper, and it's quite impressive.

Jupiter, center, and its moon Europa, left, are seen through the James Webb Space Telescope's NIRCam instrument 2.12 micron filter. 

NASA, ESA, CSA, and B. Holler and J. Stansberry (STScI)

Next, turning to Ganymede, another of ESA's wonders is: Why is Ganymede the only moon in our solar system with its own magnetic field? This one's pretty odd. Ganymede's magnetic field is so strong, in fact, that it even gives rise to auroras in its atmosphere, similar to the way Earth's magnetic field produces the northern lights when electrons get caught within.

Ganymede in the shadow of Jupiter, with its aurorae glowing.

NASA, ESA

But for some unknown reason, the rest of its moon community can't relate to its magnetic ventures. It's an outsider that way. "Juice's tour of Jupiter will include multiple flybys of these ocean-bearing moons, before culminating in orbit insertion around Ganymede -- the first time a spacecraft will have orbited a moon in the outer Solar System," ESA said. 

Further, getting a little more general, ESA also wants to know if, and how, Jupiter's complex space environment shaped the trajectory or conditions of its moons. With 79 individual satellites orbiting it, this Jovian world basically holds its own solar system -- if Jupiter were the sun, that is.

And finally, the fifth and final box ESA hopes to tick while dissecting Jupiter is how such colossal balls of gas come into existence in the first place. Though colored with hues on the cooler end of the spectrum, Uranus, Neptune and Saturn are also wispy cradles of zippy molecules floating around our solar system. What would give rise to these extreme mini-universes?

If all goes well, by the 2030s, we may have some answers.

---

Source

https://nichols.my.id/how-to-fix-beyblade-quad-drive-launcher.html

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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.

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Source

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

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What is 'twee' and why is TikTok debating its return?

What is 'twee' and why is TikTok debating its return?

In 2021, TikTok unseated Google as the most popular domain on the Internet, and now it's looking like it'll take over Instagram as the ultimate home for fashion influencers. 

With one of the largest audiences on the planet, TikTok is responsible for the rise and fall of many a trend. When TikTok speaks, people listen. Lately, however, TikTok fashionistas have been divided over the potential resurgence of a very specific and iconic trend: twee. 

@flashesofstyle How are we feeling about this resurgence? Idk yet 😅 #twee#tweestyle#tweefashion#fypシ#fyp♬ Why Do You Let Me Stay Here? - She & Him

Even if you're unfamiliar with the word, you'll likely recognize the look. Think early 2013 ModCloth aesthetic -- swooping bangs, Peter Pan collars, cutesy cardigans, skater skirts with patterned tights, red lipstick, ukuleles and typewriters. 

Essentially, look at almost any image of Zooey Deschanel circa 2011-2014 to be smacked in the face with twee, or hipster fashion. It was an incredibly popular aesthetic, especially among the Tumblr crowd.

@steffydegref It's back, and I've been waiting forever. #twee#indie#indiesleaze#tumblr♬ Why Do You Let Me Stay Here? - She & Him

On the one hand, some users are adamant that the trend is returning, warning fashion followers to ready their ballet flats and berets. Others, however, are dismissing it as the latest in a line of TikTok algorithm bubbles destined to burn itself out on speculation and drama. 

Regardless of whether it's back, though, it's already facing backlash. So why is an aesthetic causing so much division? 

Here's the thing: It's not really about fashion at all. When you boil it down, the underlying issues of the debate aren't based on clothing choices. They're based on deceptive algorithms, negative online behavior and the fear of a cyclical internet. 

The TikTok bubble effect

TikTok's algorithm is designed to know you better than you know yourself. It serves you endless customized videos that pay attention to your interactions, all to ensure you see the exact content you'll enjoy most. 

But the funny thing about humans is that we actually have a very poor understanding of scale and relevance outside of our own bubbles. So, if you're getting inundated with a particular sound or trend on TikTok, your brain will likely think that it's a much bigger deal than it is. 

Despite not having that many actual videos comparatively -- just under 7,000 for the main TikTok sound -- the twee revival debate is causing real-world trend forecasters to pay attention. Why? Because, as was the case when TikTok witches caused a real-world fuss by "hexing the moon," even microcosms and pockets of the internet have the capacity to create great social influence and change. 

What's so scary about twee?

The initial wave of twee came at a time when Tumblr popularity was paramount -- the more reblogs you had on a cutesy photo with a poetic caption, the more indie and iconic you were. It was an attitude as much as a fashion movement, similar to what we'd now call hipsters.

Unfortunately, however, it also came with some deeply concerning attitudes toward body types and elitism.

@wannabehayleywilliams We still have time, audio still has less than 550 videos under it. #tumblr#2014tumblr#aesthetic#twee♬ Why Do You Let Me Stay Here? - She & Him

Between 2011 and 2014, Tumblr had itself a serious eating disorder and self harm problem, with countless blogs devoted to promoting and striving for anorexia and "thinspiration." Coinciding with the peak of twee popularity, the aesthetic went hand-in-hand with harmful "thinspo" propaganda – anyone who wasn't thin enough wasn't considered "twee" so much as "frumpy." It was elitist and dangerous.

As a result, the lingering perception of twee and indie sleaze for people who were on Tumblr in those days is often one of perilously thin legs clad in tights or sepia-toned cardigans covering self-harm scars.

We've learned a lot since the Tumblr days. We grew out of the mustache trend, we learned that Tom was the real villain in classic twee film (500) Days of Summer, but the Internet hasn't fully caught up with body neutrality and progress. 

To this day, social media sites struggle to keep a lid on pro-anorexia content, with Instagram coming under fire for its failure to protect teens from that sort of content as recently as last month.

With TikTok already having faced similar issues, people noticing the resurgence of twee are concerned that, while we may dust off the cardigans and tights, we haven't come far enough to leave the harmful attitudes behind. 

@rebxtat Maybe sharing a hot take whilst cleaning out my fish tank x #twee♬ Why Do You Let Me Stay Here? - She & Him

@vonmunster i looked like this and listened to chelsea grin #twee#indie#tumblr♬ Why Do You Let Me Stay Here? - She & Him

Do we need to worry about this?

As is so often the case online, the discourse surrounding the twee debate is bigger than the debate itself. What started as a simple trend revival has grown legs in part due to the attention that naysayers have brought upon it.

But as for whether we should be worried, it really comes down to how much faith people have in their own capacity to regulate content and how much they trust social media to keep the dangerous ideas at bay. 

The concern is that if the negative associations with twee come back alongside the trend, there could be microcosms and TikTok algorithm bubbles circulating the same dangerous ideas and mentalities that caused such uproar on Tumblr. 

In an article from The Guardian, it's suggested that TikTok could actually end up being more dangerous because of the demographic of its users. It's not hard to circumnavigate word restrictions -- we've already seen users get around TikTok censorship with intentional spelling mistakes -- and with so many young users it's a concern.

Sure, there may not be that many videos about it now, but for the people who live within that bubble, it feels big, and the power of teenage girl influence shouldn't be underestimated. 

Let's just remember for a moment that nobody is arguing the merits of the actual clothes, though I'm sure nobody wants twee revival to venture into mustache-core again. Nobody is scared of a plaid skirt and tights combo. 

But given the damage that the wider twee-thinspo Tumblr pairing did in the early 2010s, it's little wonder people are apprehensive.

---

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Europe's Space Agency Prepares to Solve 5 Mysteries of Jupiter

Europe's Space Agency Prepares to Solve 5 Mysteries of Jupiter

Home to a tangerine storm larger than Earth, owner of peachy winds so frigid you'd probably freeze on impact, and collector of 79 separate moons, Jupiter is something of a spectacle. Even its enormity is barely comprehensible. Take every planet in our solar system, slap their masses together, multiply that by two and you get a chunk about the size of it. 

Who knows what could be going on over there. I mean, really.

Which is why, in April 2023, the European Space Agency plans on sending a space probe to join NASA's Juno orbiter in studying the Jovian lifestyle. It's called Juice, or the Jupiter Icy Moons Explorer. "Juice will make detailed observations of the giant gas planet and its three large ocean-bearing moons -- Ganymede, Callisto and Europa -- with a suite of remote sensing, geophysical and in situ instruments," ESA said in the mission's overview. 

And on Monday, the agency also laid out five specific mysteries it wants to tackle once Juice gets to its destination at this mammoth of a planet in, hopefully, 2031.

ESA's first major question is the obvious one you might've guessed from Juice's full name: What's going on with Ganymede, Callisto and Europa? 

In short, these three moons are at the forefront of the agency's endeavor because they're all suspected to have some sort of water on, or under, their surfaces. Europa, in particular, is projected by astrobiologists to have a hefty amount of H2O and, well, water equals the potential for alien life, which leads us to another of Juice's queries.

Has there ever been life on any of Jupiter's moons -- or, I guess, on Jupiter? In truth, probably not on the latter, because there's neither land nor water on this planet. There's only gas and atmospheric water vapor. Basically, if you tried to stand on Jupiter, you'd just fall in until you were crushed by the planet's immense gravity concentrated toward the center. That's if you could make it that far.

But returning to Europa, an icy world very much with solid ground, scientists currently have this region at the top of their lists of places we might find evidence of extraterrestrial life. In fact, NASA is building a spacecraft dedicated to scanning Europa for such remnants. It's called the Clipper, and it's quite impressive.

Jupiter, center, and its moon Europa, left, are seen through the James Webb Space Telescope's NIRCam instrument 2.12 micron filter. 

NASA, ESA, CSA, and B. Holler and J. Stansberry (STScI)

Next, turning to Ganymede, another of ESA's wonders is: Why is Ganymede the only moon in our solar system with its own magnetic field? This one's pretty odd. Ganymede's magnetic field is so strong, in fact, that it even gives rise to auroras in its atmosphere, similar to the way Earth's magnetic field produces the northern lights when electrons get caught within.

Ganymede in the shadow of Jupiter, with its aurorae glowing.

NASA, ESA

But for some unknown reason, the rest of its moon community can't relate to its magnetic ventures. It's an outsider that way. "Juice's tour of Jupiter will include multiple flybys of these ocean-bearing moons, before culminating in orbit insertion around Ganymede -- the first time a spacecraft will have orbited a moon in the outer Solar System," ESA said. 

Further, getting a little more general, ESA also wants to know if, and how, Jupiter's complex space environment shaped the trajectory or conditions of its moons. With 79 individual satellites orbiting it, this Jovian world basically holds its own solar system -- if Jupiter were the sun, that is.

And finally, the fifth and final box ESA hopes to tick while dissecting Jupiter is how such colossal balls of gas come into existence in the first place. Though colored with hues on the cooler end of the spectrum, Uranus, Neptune and Saturn are also wispy cradles of zippy molecules floating around our solar system. What would give rise to these extreme mini-universes?

If all goes well, by the 2030s, we may have some answers.

---

Source

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'Star Wars: Shadow of the Sith' Sends Rey's Parents on an Unforgettable Journey

'Star Wars: Shadow of the Sith' Sends Rey's Parents on an Unforgettable Journey

Cast your mind back, if you will, to the joyous era of Star Wars fandom that followed the release of sequel trilogy opener The Force Awakens in 2015. It felt like everyone was dying to know about mysterious new hero Rey's parents and what kinds of adventures Luke Skywalker had been on in the decades since the original trilogy.

The sight of Luke Skywalker wielding his green lightsaber on the cover of Star Wars: Shadow of the Sith is ludicrously exciting, and Adam Christopher's novel lives up to its potential. 

Penguin Random House

Star Wars suddenly mattered again; the excitement was glorious and the storytelling possibilities seemed endless. The Last Jedi and The Rise of Skywalker (the second and third movies in the sequel trilogy) answered some of the mysteries with varying degrees of success, but didn't dive quite as deeply as many fans would've liked.

Adam Christopher 's novel Star Wars: Shadow of the Sith, which comes out in print, digital and audiobook form on Tuesday, is the deep dive I've wanted since 2015. Taking place 17 years after Return of the Jedi (and 13 years prior to The Force Awakens), we're introduced to Rey's parents as they flee across the galaxy with their young daughter. The couple were seen briefly in a flashback in The Rise of Skywalker, but this is their first major appearance. Their names are revealed almost immediately, but we won't spoil their names in this review since Christopher builds up to them beautifully. 

Unable to trust anyone with the agents of the resurrected Emperor Palpatine hot on their trail, the trio's situation feels desperate. Given the glimpses we got of Rey's parents in The Rise of Skywalker, this plot thread has a sense of dark inevitability. That doesn't stop Christopher from infusing these characters with emotional depth; you'll find yourself wholly invested in their quest for safe haven despite knowing how it ends. 

The novel offers answers about Rey's parents, after our brief time with them in Star Wars: The Rise of Skywalker.

Lucasfilm

The family has a glimmer of hope in Luke Skywalker, whose efforts to train the next generation of Jedi Knights are hampered by his visions of a sinister presence at the edge of the galaxy. This novel presents the original trilogy hero in his glorious prime -- exactly how many fans wanted him to appear in the sequels -- but Christopher deftly drops hints of the emotional state he's reached by the time of The Last Jedi.

He's joined by fellow classic hero Lando Calrissian, who's in bad shape due to his stalled search for his kidnapped daughter. This vulnerable state allows Christopher to explore the smooth gambler's inner life to an unprecedented degree; it draws from the cocky young man seen in prequel spinoff Solo, the self-assured hustler of the original trilogy and the haunted older warrior we met in The Rise of Skywalker.

Lando, seen in The Rise of Skywalker, goes on an epic emotional journey.

Lucasfilm

Luke and Lando's mission to save Rey's family is complicated by nasty assassin Ochi of Bestoon (another character who made a blink-and-you'll-miss-it appearance in The Rise of Skywalker), who's been tasked by members of a Sith cult with hunting down the parents and child. He's a loathsome but compelling presence and grows increasingly unhinged as the tale progresses.

Ochi's story here cleverly picks up plot threads from writer Greg Pak's recent Darth Vader comics, but Christopher includes enough detail that those shouldn't be considered required reading before diving into this book.

Rounding out the villainous side is a mysterious warrior empowered by the dark side of the Force. This side of the story leans into creepy arcane Sith lore and proves to be the novel's most fascinating element. It gets surprisingly dark and weird, and hopefully hints at avenues that Star Wars will explore in future.

Ochi of Bestoon has a tiny role in The Rise of Skywalker, but we learn all about him in Shadow of the Sith.

Lucasfilm

Once our heroes and villains cross paths, Christopher's cinematic writing shines in some epic action sequences that will delight those wanting to see the extent of Luke's power. The author sets him up with a worthy adversary, and it's fun to see the threat escalate to a level reminiscent of the old Legends continuity stories.

However, at 496 pages, Shadow of the Sith loses steam a few times. An extended sequence on a mining space station comes to an epic conclusion, but there's a little too much jumping between characters and wandering around before getting to it. 

One extended cameo from a baddy seen in The Rise of Skywalker also feels extraneous to the main narrative thrust even if they're fun to spend time with. Thankfully, the other cameos are better judged, fitting nicely into the story and staying exactly as long as they're needed. 

Despite these minor issues, Adam Christopher's Shadow of the Sith is the best kind of Star Wars novel and acts as an essential link between Return of the Jedi and The Force Awakens. It explores ambiguous aspects of the movies cleverly, tying up loose ends and adding emotional resonance while opening up a bunch of exciting new storytelling possibilities. After more than half a decade, the mystery of Rey's parents is solved in style.

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5 Streaming Services You Can Cancel in August, FOMO-Free

5 Streaming Services You Can Cancel in August, FOMO-Free

This year marked the return of the summer blockbuster to movie theaters, luring people back to the big screen in droves. But streaming services can claim some victories this season, too. Netflix had Stranger Things 4 in July, Disney Plus had Obi-Wan Kenobi in June. And while both platforms have more to offer in the coming weeks, August is the time for HBO Max to soar. Why? Four words: House of the Dragon, the Game of Thrones prequel that's one of the most-anticipated shows of the year.

Every month I give advice on which streaming services to cancel and which ones to keep, based on their new releases and current content mix. That's because, in these difficult financial times, you may be thinking about canceling a few streaming service subscriptions. I'd like to offer my strategy: Churn like ice cream.

What does that mean? Subscribe for a period, cancel, choose a different service, then resubscribe, keeping your favorites in a rotation. Feel free to pick one or two must-haves for the year and treat additional streaming providers like seasonal add-ons. The upside is that you get to save money when Netflix, Disney Plus, HBO Max and others don't have the content you want to watch at a given time. Just remember to shut off auto-renewal for your monthly subscriptions. Churning may not be an option if you're sharing your accounts with people outside your household, but if you can work out an arrangement with your streaming clique, go for it. 

Here are my recommendations for which streamers to keep or cancel for the month of August, based on new TV shows and movies (I didn't consider sports and live TV streaming services) arriving on each platform. Of course your tastes may be different, but if nothing else, I urge you to at least consider the concept of churning for savings. It's easier than you might think.

Read more: Stop Missing Out On New Episodes of Your Favorite Shows With These Apps

Streaming Service Rotation for August 2022

	Keep	Cancel
HBO Max	X
Hulu		X
Netflix	X
Apple TV Plus		X
Disney Plus	X
Prime Video		X (for non-Prime members)
Starz	X
Peacock		X
Paramount Plus		X

Keep the streaming going on these services in August

HBO Max: HBO Max holds the crown in more ways than one this month. As Westworld Season 4 ends on Aug. 14, the Game of Thrones prequel, House of the Dragon, ignites the Targaryen family saga on Aug. 21. You can spend some of your time streaming GoT (which, like House of the Dragon, will be available in 4K this month), bypassing those episodes or seasons you don't want to re-watch. In addition to a ton of movies arriving on Max in August, The Princess, a new documentary about Princess Diana, debuts on Aug. 13. And remember: Harley Quinn season 3 is airing through August and into September. 

Netflix: One of the hottest releases on Netflix this month is season 1 of The Sandman, the adaptation of Neil Gaiman's popular graphic novel series (Aug. 5). There's also Rise of the Teenage Mutant Ninja Turtles: The Movie (Aug. 5), Riverdale season 6 (Aug. 7), the final season of Locke & Key (Aug. 10), Never Have I Ever season 3 (Aug. 12), Day Shift starring Jamie Foxx as a vampire hunter (Aug. 12), and the anime movie Full Metal Alchemist: The Revenge Scar (Aug. 20). And Kevin Hart and Mark Wahlberg team up in the comedy film, Me Time, which lands on Aug. 26.

Disney Plus: This service will be a must-have for many of you who have children, especially with Bluey season 3 arriving on Aug. 10, and Lightyear making its streaming debut on Aug. 3. She-Hulk comes out on Aug. 18 (after a date change) with nine episodes that run into mid-October. Appearances from MCU heroes Wong and Daredevil may entice you to tune in now versus waiting to binge in October, but it's up to you. On Aug. 10, I Am Groot arrives with five shorts. For Star Wars fans, Andor drops its two-episode premiere on Aug. 31, but you may as well watch in September or later. The show has 12 episodes for season 1. 

Catch Tatiana Maslany as Jennifer "Jen" Walters/She-Hulk in Marvel's She-Hulk: Attorney at Law on Disney+.

Marvel Studios

Starz:  P-Valley  ends season 2 on Aug. 14, so if you want to cancel after that, go for it. The biggest new Starz arrival is Power Book III: Raising Kanan Season 2, produced by 50 Cent, and if you're prone to FOMO about missing the premiere on Aug. 14, keep it. The show's 10 episodes will air into October, however, so the better value is to wait it out or pay for three months of Starz to watch it weekly -- if you can find a deal. Starz is $9 per month after their $3 promo ended.

Rotate these streamers out for August

Hulu: Generally a keeper if you like network shows, Hulu typically gets at least one original each month. For August, Reservation Dogs' 10-episode second season debuts on Aug. 3, and the Predator prequel Prey arrives on Aug. 5. If you've been keeping up with Only Murders in the Building, season 2's finale airs on Aug. 23. The Mike Tyson miniseries, Mike, premieres on Aug. 25. If none of these float your boat or if you prefer to catch up on everything after all episodes are available, pause Hulu this month. 

The Predator prequel movie Prey may or may not be a reason for you to keep your Hulu subscription this month.

20th Century Studios

Prime Video: If you have a standalone Prime Video subscription, you can cancel it this month unless you want to see the A League of Their Own reboot series (Aug. 12) or Ron Howard's Thirteen Lives movie (Aug. 5) about the Thai soccer team cave rescue. Those of us who have the streaming service included with our Prime membership may want to stream the titles above or Sylvester Stallone's Samaritan (Aug. 26). Hip-hop fans interested in a behind-the-scenes look at Lil Baby can watch the documentary Untrapped: The Story of Lil Baby when it drops on Aug. 26 or wait until September to stream.

Apple TV Plus: Not much going on with Apple TV Plus. The streamer will drop its animated feature Luck on Aug. 5 and season 3 of See arrives on Aug. 26. Last month, we suggested waiting until August to binge every episode of For All Mankind. If you're a fan, season 3 wraps on Aug. 12.

Peacock: While Tour de France and Love Island USA are currently streaming on Peacock, They/Them (Aug. 5) is the only new noteworthy release. The horror film stars Kevin Bacon as a preacher who runs a gay conversion therapy camp. If you're not interested in these titles or new reality TV episodes, cancel or switch to a free account for August. Things should pick up for Peacock by the fall, however.

Paramount Plus: If Big Brother and the new Beavis and Butt-Head TV series (Aug. 4) aren't beckoning you to the service, then you can put Paramount Plus on ice for now. For Evil fans who've been putting off your subscription until all season 3 episodes become available, you can sign up in mid-August to stream the entire season.

Save more money by waiting things out

If you're not someone who routinely gets FOMO, then a smart method is to wait until the bulk or all episodes of your favorite series land on a platform. That way, rather than pay for a service for two or three months to cover the 6- to 10-week run of a show, you can catch up on everything by subscribing for one month. And then repeat the cycle again.

As an example, there are 12 episodes of Andor coming to Disney Plus. The finale airs in November, so all episodes of the show will be available to stream at that time. Though it premieres on Aug. 31 and continues throughout the fall, why pay for four months of Disney Plus when you can wait to watch it in full anytime in November? If this is the only series you want to watch during this period, it makes sense to be patient in the interest of saving money. 

Think about how much you're paying per month for each streaming service you have, and do the math. Netflix is $10 to $20, Disney Plus is anywhere from $3 to $8 depending on bundles, HBO Max costs $10 or $15, Hulu starts at $7 and Starz runs $9. The others have a base rate of $5 per month. Should you decide to churn, set yourself a calendar reminder to ping you when it's time to re-subscribe or cancel. We'll see you in September for another streaming breakdown.

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What is 'twee' and why is TikTok debating its return?

What is 'twee' and why is TikTok debating its return?

In 2021, TikTok unseated Google as the most popular domain on the Internet, and now it's looking like it'll take over Instagram as the ultimate home for fashion influencers. 

With one of the largest audiences on the planet, TikTok is responsible for the rise and fall of many a trend. When TikTok speaks, people listen. Lately, however, TikTok fashionistas have been divided over the potential resurgence of a very specific and iconic trend: twee. 

@flashesofstyle How are we feeling about this resurgence? Idk yet 😅 #twee#tweestyle#tweefashion#fypシ#fyp♬ Why Do You Let Me Stay Here? - She & Him

Even if you're unfamiliar with the word, you'll likely recognize the look. Think early 2013 ModCloth aesthetic -- swooping bangs, Peter Pan collars, cutesy cardigans, skater skirts with patterned tights, red lipstick, ukuleles and typewriters. 

Essentially, look at almost any image of Zooey Deschanel circa 2011-2014 to be smacked in the face with twee, or hipster fashion. It was an incredibly popular aesthetic, especially among the Tumblr crowd.

@steffydegref It's back, and I've been waiting forever. #twee#indie#indiesleaze#tumblr♬ Why Do You Let Me Stay Here? - She & Him

On the one hand, some users are adamant that the trend is returning, warning fashion followers to ready their ballet flats and berets. Others, however, are dismissing it as the latest in a line of TikTok algorithm bubbles destined to burn itself out on speculation and drama. 

Regardless of whether it's back, though, it's already facing backlash. So why is an aesthetic causing so much division? 

Here's the thing: It's not really about fashion at all. When you boil it down, the underlying issues of the debate aren't based on clothing choices. They're based on deceptive algorithms, negative online behavior and the fear of a cyclical internet. 

The TikTok bubble effect

TikTok's algorithm is designed to know you better than you know yourself. It serves you endless customized videos that pay attention to your interactions, all to ensure you see the exact content you'll enjoy most. 

But the funny thing about humans is that we actually have a very poor understanding of scale and relevance outside of our own bubbles. So, if you're getting inundated with a particular sound or trend on TikTok, your brain will likely think that it's a much bigger deal than it is. 

Despite not having that many actual videos comparatively -- just under 7,000 for the main TikTok sound -- the twee revival debate is causing real-world trend forecasters to pay attention. Why? Because, as was the case when TikTok witches caused a real-world fuss by "hexing the moon," even microcosms and pockets of the internet have the capacity to create great social influence and change. 

What's so scary about twee?

The initial wave of twee came at a time when Tumblr popularity was paramount -- the more reblogs you had on a cutesy photo with a poetic caption, the more indie and iconic you were. It was an attitude as much as a fashion movement, similar to what we'd now call hipsters.

Unfortunately, however, it also came with some deeply concerning attitudes toward body types and elitism.

@wannabehayleywilliams We still have time, audio still has less than 550 videos under it. #tumblr#2014tumblr#aesthetic#twee♬ Why Do You Let Me Stay Here? - She & Him

Between 2011 and 2014, Tumblr had itself a serious eating disorder and self harm problem, with countless blogs devoted to promoting and striving for anorexia and "thinspiration." Coinciding with the peak of twee popularity, the aesthetic went hand-in-hand with harmful "thinspo" propaganda – anyone who wasn't thin enough wasn't considered "twee" so much as "frumpy." It was elitist and dangerous.

As a result, the lingering perception of twee and indie sleaze for people who were on Tumblr in those days is often one of perilously thin legs clad in tights or sepia-toned cardigans covering self-harm scars.

We've learned a lot since the Tumblr days. We grew out of the mustache trend, we learned that Tom was the real villain in classic twee film (500) Days of Summer, but the Internet hasn't fully caught up with body neutrality and progress. 

To this day, social media sites struggle to keep a lid on pro-anorexia content, with Instagram coming under fire for its failure to protect teens from that sort of content as recently as last month.

With TikTok already having faced similar issues, people noticing the resurgence of twee are concerned that, while we may dust off the cardigans and tights, we haven't come far enough to leave the harmful attitudes behind. 

@rebxtat Maybe sharing a hot take whilst cleaning out my fish tank x #twee♬ Why Do You Let Me Stay Here? - She & Him

@vonmunster i looked like this and listened to chelsea grin #twee#indie#tumblr♬ Why Do You Let Me Stay Here? - She & Him

Do we need to worry about this?

As is so often the case online, the discourse surrounding the twee debate is bigger than the debate itself. What started as a simple trend revival has grown legs in part due to the attention that naysayers have brought upon it.

But as for whether we should be worried, it really comes down to how much faith people have in their own capacity to regulate content and how much they trust social media to keep the dangerous ideas at bay. 

The concern is that if the negative associations with twee come back alongside the trend, there could be microcosms and TikTok algorithm bubbles circulating the same dangerous ideas and mentalities that caused such uproar on Tumblr. 

In an article from The Guardian, it's suggested that TikTok could actually end up being more dangerous because of the demographic of its users. It's not hard to circumnavigate word restrictions -- we've already seen users get around TikTok censorship with intentional spelling mistakes -- and with so many young users it's a concern.

Sure, there may not be that many videos about it now, but for the people who live within that bubble, it feels big, and the power of teenage girl influence shouldn't be underestimated. 

Let's just remember for a moment that nobody is arguing the merits of the actual clothes, though I'm sure nobody wants twee revival to venture into mustache-core again. Nobody is scared of a plaid skirt and tights combo. 

But given the damage that the wider twee-thinspo Tumblr pairing did in the early 2010s, it's little wonder people are apprehensive.

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Refinance mortgage rates current list 2022 refinance rates for 2022 mortgage rates feb 2022 latest mortgage refinance rates refinance mortgage rates news mortgage refinancing rates today mortgage refinance rate today mortgage refinance rates on a va loan mortgage refinance rates

Mortgage Refinance Rates on Sept. 1, 2022: Rates Rise

Mortgage Refinance Rates on Sept. 1, 2022: Rates Rise

Both 15-year fixed and 30-year fixed refinances saw their mean rates go higher Thursday. The average rates for 10-year fixed refinances also made gains.

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 30-year fixed refinance rate right now is 5.92%, an increase of 7 basis points over this time last week. (A basis point is equivalent to 0.01%.) One reason to refinance to a 30-year fixed loan from a shorter loan term is to lower your monthly payment. Because of this, a 30-year refinance can be a good idea if you're having trouble making your monthly payments. However, interest rates for a 30-year refinance will typically be higher than rates for a 10- or 15-year refinance. It'll also take you longer to pay off your loan.

15-year fixed-rate refinance

The average 15-year fixed refinance rate right now is 5.19%, an increase of 8 basis points compared to one week ago. A 15-year fixed refinance will most likely raise your monthly payment compared to a 30-year loan. On the other hand, you'll save money on interest, since you'll pay off the loan sooner. You'll also typically get lower interest rates compared to a 30-year loan. This can help you save even more in the long run.

10-year fixed-rate refinance

The average rate for a 10-year fixed refinance loan is currently 5.21%, an increase of 4 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. However, you should analyze your budget and current financial situation to make sure you'll be able to afford the 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 information collected by Bankrate, which is owned by CNET's parent company. Here's a table with the average refinance rates provided by lenders across the US:

Average refinance interest rates

Product	Rate	A week ago	Change
30-year fixed refi	5.92%	5.85%	+0.07
15-year fixed refi	5.19%	5.11%	+0.08
10-year fixed refi	5.21%	5.17%	+0.04

Rates as of Sept. 1, 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, a 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.

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Mortgage Refinance Rates on Sept. 1, 2022: Rates Rise

Mortgage Refinance Rates on Sept. 1, 2022: Rates Rise

Both 15-year fixed and 30-year fixed refinances saw their mean rates go higher Thursday. The average rates for 10-year fixed refinances also made gains.

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 30-year fixed refinance rate right now is 5.92%, an increase of 7 basis points over this time last week. (A basis point is equivalent to 0.01%.) One reason to refinance to a 30-year fixed loan from a shorter loan term is to lower your monthly payment. Because of this, a 30-year refinance can be a good idea if you're having trouble making your monthly payments. However, interest rates for a 30-year refinance will typically be higher than rates for a 10- or 15-year refinance. It'll also take you longer to pay off your loan.

15-year fixed-rate refinance

The average 15-year fixed refinance rate right now is 5.19%, an increase of 8 basis points compared to one week ago. A 15-year fixed refinance will most likely raise your monthly payment compared to a 30-year loan. On the other hand, you'll save money on interest, since you'll pay off the loan sooner. You'll also typically get lower interest rates compared to a 30-year loan. This can help you save even more in the long run.

10-year fixed-rate refinance

The average rate for a 10-year fixed refinance loan is currently 5.21%, an increase of 4 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. However, you should analyze your budget and current financial situation to make sure you'll be able to afford the 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 information collected by Bankrate, which is owned by CNET's parent company. Here's a table with the average refinance rates provided by lenders across the US:

Average refinance interest rates

Product	Rate	A week ago	Change
30-year fixed refi	5.92%	5.85%	+0.07
15-year fixed refi	5.19%	5.11%	+0.08
10-year fixed refi	5.21%	5.17%	+0.04

Rates as of Sept. 1, 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, a 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.

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What is an escrow account and how does it work?

What is an escrow account and how does it work?

Escrow refers to an arrangement in which a neutral third party receives, holds and pays out funds as spelled out in a contract. Though it's used in a variety of financial situations, escrow accounts are commonly used in a real estate context to help manage payments for property taxes and insurance. 

What is escrow and how does it work? 

In real estate, escrow accounts are used for two main purposes -- to hold an initial payment for the property and to hold funds for property taxes and insurance.

When you're buying a house, your mortgage lender may require an escrow account to hold funds for closing until the deal is finalized. Once you agree on a home price with the seller, your agent will collect earnest money -- a good-faith deposit that proves you're serious about the home purchase -- from you and place it into an escrow account. How much earnest money is required can vary, but you'll typically provide 1% to 2% of the home sale price.

What happens to your earnest money if the deal falls through?

When initially putting your money into escrow, you have a time window to change your mind (typically 48 hours) without losing your escrow money. As long as you meet the deadlines provided, you can get your earnest money back if the deal falls through. In addition, after the home inspection, you also receive a window of opportunity to review the inspection results and cancel the home sale without losing your earnest money. If you break the deal after a specified deadline, this money could go to the seller. 

Once you close on your home, your good-faith deposit becomes part of your down payment. On your closing day, you'll add the rest of your closing costs to this escrow account. This money is then distributed to all parties involved in the home sale -- the seller, agents and any other players.

How homeowner escrow accounts work

After you buy your home, your monthly mortgage expenses may still be deposited into an escrow account to pay for holding tax and insurance funds. This money will be taken directly from your monthly mortgage payment. This money is used by the lender to pay insurance premiums and taxes whenever they are due. Typically, there must be more than two months of funds in the account, to minimize the lender's risk and to make sure that the homeowner is capable of making the payments. The account is closed once the loan is settled. Keep in mind that escrow accounts do not pay for any kind of homeownership costs. Utility bills and other maintenance costs of the property are not part of the escrow account.

Who manages an escrow account?

The escrow account is managed by a neutral third party or middleman -- usually the escrow company or escrow agent or even the mortgage servicer, depending on what you are using the account for. The escrow agent is often the same as the title agent who holds onto the deed until the sale is closed during the home buying process. After the sale of a house, escrow accounts are managed by the mortgage servicer responsible for collecting your mortgage payments and keeping their records. 

Who pays for the escrow account?

Since an escrow account benefits both the buyer and the seller, there is no hard and fast rule about who pays for it. The buyer and the seller may choose to split the fees or decide that one party bears it all. If the title provider or settlement agent is paying for the account, the fees could be rolled into the settlement fees or the title insurance fee. If the buyer fields the cost, escrow fees could be added to the mortgage payments, resulting in a higher payment every month. 

Just like earnest money, escrow account fees can range, but typically equal 1% to 2% of the home sale price.

Benefits of an escrow account

The most important benefit of an escrow account is the financial protection it offers the buyer, seller and lender. As a home buyer, you are assured that your money will return to you if the deal falls through. As a seller, you can have peace of mind that you will be covered if the buyer backs out in the middle of the deal. As a lender, you can be sure that you will not face financial loss regardless of the outcome of the deal.

For homeowners, the escrow account eliminates the need to come up with a lump sum amount to cover taxes and insurance. Spreading the cost over the year makes it easier to have the payments made on time. At the same time, you don't have to keep track of the due dates of taxes and insurance premiums because they are being paid by your mortgage lender. 

Do you need an escrow account?

When you are buying a property, an escrow account is often a requirement by the lender and cannot be avoided, unless you are making over 50% down payment, have an incredible credit score or do not have a loan at all. While the benefits and peace of mind that escrow brings cannot be denied, there are certain downsides too. 

The biggest drawback of an escrow account is the higher mortgage rate, compared to what you would pay without escrow. You may also be charged a different amount for each payment because the rate of taxes and insurance premiums could rise and fall. The estimate of how much funds are needed in the escrow may not be accurate all the time, and you could end up overpaying.

It is not impossible to avoid an escrow. If you have enough savings to buy a house without a loan or pay off the mortgage with your own money, you can do without the higher costs of an escrow. Your annual income, credit score and your history of payments will determine whether or not you need an escrow account. 

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