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Buying an iPhone 11 in 2022 Might Make Sense for You

Buying an iPhone 11 in 2022 Might Make Sense for You

Since the debut of the iPhone 11 in 2019, we've since seen the debut of the iPhone 13 and iPhone 12. And in a few days, we're likely to see the debut of the iPhone 14 at Apple's next event on Sept. 7. The iPhone 11 may be over two years old, but it might still be a good choice, especially since Apple discounted it to $499 last year. While we recommend that you wait for the next Apple event before buying any iPhone at all, especially since prices for current iPhone models will likely decrease afterward, the iPhone 11 does have a lot to like as a phone that's under $500.

For instance, do you mind using an iPhone that feels a bit dated? Or do you think saving several hundred dollars is more important than carrying the latest phone? What about 5G -- how important is that to you? If you're shopping on a budget, the iPhone 11 is still a great choice. Although you'll be missing out on some newer features, the iPhone 11 gives you all the basics you'd want from an iPhone, including battery life that's on par with the iPhone 12, a great dual-lens camera that includes night mode and a processor that's still fast enough for everyday tasks. 

Read more: Here's how the iPhone 11 compares to the iPhone 12 and how the iPhone 13 compares to the iPhone 12.

But if you have some wiggle room in your budget, here are some questions to ask yourself. (For the purposes of this article, I'm going to assume that you are currently using an iPhone.) And if you're still mulling over your decision after that, here's how the iPhone 13 compares to the last five years of iPhones as well as our list of the best iPhones. Plus, check out all the differences between the iPhone 11, 11 Pro and 11 Pro Max.

5G connectivity: iPhone 11 doesn't have 5G. But do you really need it right now?

One of the iPhone 11's biggest missing features compared to the iPhone 13 and iPhone 12 is 5G connectivity. The iPhone 11 is an LTE-only device, and if you don't care for the next-gen wireless tech just yet (service is patchy in the US after all), then the iPhone 11 should suit you just fine. Remember that 5G debuted on the iPhone 12 lineup and getting access to faster bands of 5G depends on where you live, so going for the iPhone 12 makes your purchase more future-proof. 

Angela Lang/CNET

Display quality: You won't get a 120Hz refresh rate on an iPhone 11 (or iPhone 12)

The iPhone 11 uses a crisp LCD screen that refreshes at 60 frames per second, or 60Hz. Apple traded up in the iPhone 12, equipping it with an OLED screen, though it kept the display at 60Hz just like most phones. OLEDs are typically more vibrant than their LCD counterparts, with richer contrast and inkier blacks. If you watch a lot of videos on your iPhone and want a superior viewing experience, an OLED screen might make more sense for you. The iPhone 13 also boasts an OLED panel too, though Apple bumped up the refresh rate for the Pro models to 120Hz. The faster refresh rate will translate to smoother, snappier scrolling through apps and websites. 

Apple's Wallet app will be able to store driver's licenses in iOS 15. 

Screenshot by CNET

Software support: How long will the iPhone 11 get iOS software updates? 

Apple's latest operating system, iOS 15, is supported on many older iPhones, and the oldest is the 2015 iPhone 6S (Here's how to download the new OS, but you may want to wait.) Based on that and some quick mental math, we can deduce that Apple plans to provide iPhone support for up to six years from launch. As a result, with the iPhone 11, unveiled in 2019, you can rest comfortably knowing that you can expect updates through 2025. 

Read more: iOS 15's biggest new features: FaceTime, Apple Wallet and Notifications get new tricks

Durability and water resistance: How durable do you want your iPhone to be?

If you do opt for the iPhone 11, you will miss out on a few durability features that are available on the newer iPhone models. One of the iPhone 12's big improvements is the material of its display. Apple calls it "ceramic shield" glass. Made by Corning, the ceramic shield glass covering the phone's display is apparently harder than most metals. Indeed, we can confirm that the iPhone 12's ceramic shield is tough. Our iPhone 12 drop tests show it protected the hardware from drops as high as 9 feet. (CNET's iPhone 12 Mini drop tests yielded similar results.) The iPhone 13 also has the same ceramic shield glass on its display.

So if you're a big klutz and are prone to slips and drops, springing for the iPhone 13 or iPhone 12 is a wise move (or just get a really nice iPhone case). Keep in mind, the iPhone 11 isn't a delicate darling, either. It also survived CNET's drop and water tests and earned a CNET Editors' Choice Award. You can read our iPhone 11 review for more details. 

Read more: Farewell iPhone case: The case for the caseless phone

Price and budget: How much do you want to spend on an iPhone?

As I said earlier, Apple is selling the nearly two-year-old iPhone 11 for $300 less now than when it first launched, making it a great choice for those shopping on a budget. But, as also mentioned previously, the iPhone 11 could become even cheaper once Apple debuts its 2022 line of iPhone models. Also of note, the current iPhone 12 and 12 Mini might come down in price and hit that $499 level, as typically Apple lowers the price of existing iPhone models once the newest model goes on sale.

It's also worth considering carrier deals from Verizon, T-Mobile and AT&T, all of which may subsidize the price of an iPhone in exchange for committing to a cellular service plan. Last year the three companies offered hundreds of dollars off with those contracts, and possibly pay off the phone entirely with a device trade-in. Just keep in mind that there are plenty of caveats to those deals, like commitments ranging from 24 to 36 months.

§

Apple's getting ready for a Sept. 7 event , which is very likely to be the moment we learn about the company's next iPhone line. 

The newest version, expected to be called the iPhone 14, is rumored to include an always-on display similar to what's on the Apple Watch now, allowing for constant glanceable information without ruining battery life.

Apple hasn't really said what it plans to announce at its event, only sending out a cryptic invitation to the press, with an Apple logo seemingly set in a night sky, suggesting potential camera improvements or last year's rumored satellite emergency calling. The image looks like something we might see from the James Webb Space Telescope, whose stunning photos have already begun changing how we view the cosmos since first being released earlier this summer. In its announcement, Apple included the teaser words "Far out." 

Read more: Apple Makes 'Far Out' iPhone Launch Event Official For Sept. 7

The iPhone 14 launch will also mark the 15th year since the original iPhone's debut, in June of 2007. Back then, the device wasn't the sure hit it is today. Many tech industry watchers were enthusiastic about Apple's prospects of course, but it hadn't proven it can build reliable phone technology before then. It was also up against massive competitors such as Microsoft, Palm and Research in Motion, whose Blackberry devices ruled the business world at the time. Within a decade though, Apple -- as well as Google's popular Android software -- had bested all three companies.

While the iPhone will be a key product we see at Apple's event this year, and likely what most people focus their attention on, the company's expected to hold other events later this year with other devices to show off. Those include new Mac computers with upgraded chips and new iPads.

Read more: Everything We Know So Far About the iPhone 14

When is the Apple event?

Apple's online-only event will be Sept. 7 at 10 a.m. PT, which is 1 p.m. ET, 6 p.m. BST and 3 a.m. AEST. (Sorry, Australia.) Here's a handy time zone converter to help find what time it'll be where you are.

Where can I watch Apple's livestream?

You'll be able to stream Apple's event straight from the company's website. Meanwhile, we'll be reporting on the event live here at CNET.

What can we expect, besides the iPhone 14 launch?

Apple's digital events are fast paced and slickly produced. And even though Apple's now trying its hand at in-person events again as coronavirus pandemic-era health concerns slowly recede, the company still seems to be applying what it's learned about how to make its events more compelling. During its last event, the Worldwide Developers Conference (WWDC) in June, Apple held a livestream but then offered in-person demos for the press afterward. 

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How to cheat at Wordle if you're a bad person and want to ruin everything

How to cheat at Wordle if you're a bad person and want to ruin everything

This is why we can't have nice things. Apparently all of the upcoming answers for Wordle, the simple word-guessing game that's earned so much social buzz, are hidden in the game's code. We know this because of a tweet from a man in India I'm linking to here, but won't embed, because it supposedly shows the words that will be puzzle answers soon. 

WARNING:  If you click on that above link, don't say I didn't warn you. It actually SHOWS the winning words coming up. People are already asking (begging?) the original poster to take down the image, as it's possible to stumble across it innocently while surfing Twitter. 

I'm a prime example. I accidentally saw tomorrow's answer and now I'm more than a little irked. I guess I could cheat and pretend I got it on one try, but no one who knows me will believe that, and what's the benefit? Now I'll have to find some other way to distract myself from midnight tonight to 12:05 the following day. Thanks a LOT, Twitter. I reached out to Wordle creator Josh Wardle for comment on the tweet, but didn't get an immediate response.

CNET writers have happily jumped on the Wordle bandwagon. It's a long, cold winter in the middle of a pandemic and damn, we deserve a five-minute daily break from thinking about the world situation. Here are staff members' favorite starter words and tips, a fun batch of Wordle memes, and other word games you might enjoy.

And if you really want to cheat at Wordle (WHY?), I can tell you another way. I'm not endorsing this, mind you, but it's  a wee bit less blatant than just reading the answers in the game code. 

So start playing Wordle, make a few guesses, and once you are completely stumped, with just a few green squares indicating correct letters in the correct spots, go to a crossword solver, such as this one. (Some online crossword solvers require you to type in the clue the puzzle gives you -- Wordle doesn't have any clues, but the link I provide here doesn't ask for those.)

Once you're at the link, set the number of letters to 5, since all Wordle puzzles are five letters long. Type in only the green-square letters you know, and be sure to put them in the right spot. Leave the ones you don't know blank, even if you know some letters but don't know their position. You'll be given a list of words that fit those requirements -- one of them is likely the Wordle answer. It's still cheating, but at least you made a few guesses on your own first?

Wordle will probably fall from grace soon, joining the pile of past pandemic pursuits, such as Dalgona whipped coffee and Tiger King. But until it does, don't cheat yourself. The world is only too eager to take your little pleasures away -- there's no need to hand them over willingly.

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WhatsApp Messenger - Free download and software reviews Download

WhatsApp Messenger - Free download and software reviews

WhatsApp Messenger is a FREE messaging app available for Android and other smartphones. WhatsApp uses your phone's Internet connection (4G/3G/2G/EDGE or Wi-Fi, as available) to let you message and call friends and family. Switch from SMS to WhatsApp to send and receive messages, calls, photos, videos, documents, and Voice Messages.

WHY USE WHATSAPP:

- NO FEES: WhatsApp uses your phone's Internet connection (4G/3G/2G/EDGE or Wi-Fi, as available) to let you message and call friends and family, so you don't have to pay for every message or call.* There are no subscription fees to use WhatsApp.

- MULTIMEDIA: Send and receive photos, videos, documents, and Voice Messages.

- FREE CALLS: Call your friends and family for free with WhatsApp Calling, even if they're in another country.* WhatsApp calls use your phone's Internet connection rather than your cellular plan's voice minutes. (Note: Data charges may apply. Contact your provider for details. Also, you can't access 911 and other emergency service numbers through WhatsApp).

- GROUP CHAT: Enjoy group chats with your contacts so you can easily stay in touch with your friends or family.

- WHATSAPP WEB: You can also send and receive WhatsApp messages right from your computer's browser.

- NO INTERNATIONAL CHARGES: There's no extra charge to send WhatsApp messages internationally. Chat with your friends around the world and avoid international SMS charges.*

- SAY NO TO USERNAMES AND PINS: Why bother having to remember yet another username or PIN? WhatsApp works with your phone number, just like SMS, and integrates seamlessly with your phone's existing address book.

- ALWAYS LOGGED IN: With WhatsApp, you're always logged in so you don't miss messages. No more confusion about whether you're logged in or logged out.

- QUICKLY CONNECT WITH YOUR CONTACTS: Your address book is used to quickly and easily connect you with your contacts who have WhatsApp so there's no need to add hard-to-remember usernames.

- OFFLINE MESSAGES: Even if you miss your notifications or turn off your phone, WhatsApp will save your recent messages until the next time you use the app.

- AND MUCH MORE: Share your location, exchange contacts, set custom wallpapers and notification sounds, email chat history, broadcast messages to multiple contacts at once, and more!

*Data charges may apply. Contact your provider for details.

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Nvidia Corporate, Employee Data Leaked in Cyberattack

Nvidia Corporate, Employee Data Leaked in Cyberattack

A cyberattack on Nvidia led to a leak of employee credentials and some company proprietary information, the US chipmaker said Tuesday. And reflecting current events, the company felt the need to state that the attack wasn't related to Russia's war on Ukraine.

"We have no evidence of ransomware being deployed on the Nvidia environment or that this is related to the Russia-Ukraine conflict," an Nvidia spokesperson said in a statement. "However, we are aware that the threat actor took employee credentials and some Nvidia proprietary information from our systems and has begun leaking it online."

The tech giant said it became aware of a cybersecurity incident that impacted IT resources on Feb. 23. Shortly after the attack, Nvidia said, it further hardened its network, "engaged cybersecurity incident response experts and notified law enforcement." The company didn't provide further details on the scope of the attack but said its team is working to analyze the information that's been leaked online so far. 

"We do not anticipate any disruption to our business or our ability to serve our customers as a result of the incident," an Nvidia spokesperson said in an email.

The cyberattack on Nvidia comes on the heels of a record-breaking year in cyber-related incidents. The number of reported data breaches in 2021 jumped 68 percent year over year to the highest total ever, according to a report by the Identity Theft Resource Center. Technology companies are among the many targets of such attacks.

In early 2021, four US intelligence agencies determined that Russia was behind a massive cyberattack on Texas-based SolarWinds, whose software is widely used, including by the federal government, railroads, hospitals and major tech companies.

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Financial Therapy Could Help You Navigate Inflation-Related Stress

Financial Therapy Could Help You Navigate Inflation-Related Stress

Whether it be in grocery stores, at the gas station or the cost of rent, you may notice your money isn't stretching as far as it used to as rising inflation continues to impact the purchasing power of the dollar. Because of this, there are plenty of reasons to feel worried about your finances right now. 

Financial anxiety isn't exclusive to the ranks of the unemployed. It can just as easily plague people who have enough money at the moment but are worried about the future. And regardless of where you fall on the socio-economic spectrum, money can be difficult to talk about -- even in a regular therapy session. 

"Financial trauma has unfortunately become a reality for some who've experienced extreme financial hardship," says Alex Melkumian, founder of Financial Psychology Center. "In times of the pandemic, the overall level of financial stress and worry has risen exponentially and has negatively impacted the financial wellness and mental health of so many."

Financial concerns can ripple into all areas of your life. After all, money isn't always just about money; it can be a surrogate for stress, anxiety and trauma, too. That anxiety can manifest through fears about end of life and mortality -- running out of money in retirement or during an emergency, for example. 

There's a type of counseling specifically for money-related anxiety: financial therapy. Read on to see if it might be a good fit for you.

What is financial therapy?

According to the Financial Therapy Association, this form of counseling can help people change the way they think and feel about money -- and, most importantly, change negative behaviors. It gets right to the heart of your financial attitudes. 

Melkumian says financial therapy can help those who need to dig deeper into why they can't stop living paycheck to paycheck or keep getting deeper into debt.

"If you make the same financial mistakes and can't seem to figure out why, if money is a major source of conflict with your significant other, [or] if your financial situation is creating turmoil in your life and causing extreme emotions," financial therapy may help you, Melkumian says.

Different people have different needs, he says, but financial therapy can help develop a detailed financial plan.

"One of the most common tasks addressed in financial therapy is setting up and implementing a spending plan," Melkumian says. "A client can implement a comprehensive spending plan in a span of three months. For clients who struggle with extreme financial stress, worry and trauma, addressing those issues may take longer to process."

Read more:  What Does It Even Mean to Build Wealth in 2022?

What does a financial therapist do?

Financial therapist Lindsay Bryan-Podvin, author of The Financial Anxiety Solution, says there are a few important distinctions between a financial therapist and a traditional therapist.

"Many therapists have a specialty in other tough areas such as trauma, sex, abuse, gambling, addiction and/or neglect -- but very few specialize in money," she says. "Money can absolutely be brought up in a regular therapy session. However, most therapists do not have additional training on the psychology of money."

And, of course, a conventional financial advisor helps you manage your money -- not manage your feelings and emotions about money. "You cannot call yourself a therapist if your background is in finance," says Bryan-Podvin. "You can say you have financial therapy training, but to call yourself a therapist, you must have at least a Master's degree in Counseling, Social Work, or Psychology."

While Bryan-Podvin has a Master's degree in social work, the Financial Therapy Association requires a financial or mental health background for those seeking to become a Certified Financial Therapist. General therapists might recommend seeing a financial therapist if they don't have the extended knowledge, training and expertise surrounding the psychology of money. 

Read more:  Investing for Beginners: Everything Experts Want You to Know for 2022

Where can you find a financial therapist?

You can find a financial therapist on the Financial Therapy Association's database. Melkumian, who is also an FTA board member, says there are approximately 350 financial therapists in the US. The cost of a session varies by provider and location.

Many financial therapists, including Bryan-Podvin and Melkumian, currently offer remote service. If you don't have a financial therapist near you, you may be able to set up a virtual session. 

There may be less expensive alternatives, too. Many banks, credit card issuers and other financial institutions offer some form of education or counseling. Capital One offers free money coaching. You may not get the same level of counseling as you would from a financial therapist, but it may help you begin to address some of your issues with money. 

And you don't need to wait until you've gone through financial trauma before getting into financial therapy. Melkumian says you can look into financial therapy before issues start.

"Why wait to see a financial therapist until you are broke?" he asks. "You can save yourself from the pain and suffering by starting now."

For more, read up on how to avoid retail therapy and how to negotiate your salary the right way. You can also check out CNET's list of best online therapy services for 2022. 

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Snapchat warns Apple's privacy changes could hurt ad business

Snapchat warns Apple's privacy changes could hurt ad business

Snap, the parent company of disappearing messaging appSnapchat, warned that Apple's upcoming privacy update could make it tougher to rake in ad dollars, even as it reported fourth-quarter results that beat analyst expectations. The company also said some advertisers had paused campaigns in the first two weeks of January after the deadly riot at the US Capitol on Jan. 6.  

CFO Derek Andersen said upcoming changes to Apple's iOS 14 will "present another risk of interruption to demand" though he also noted the long-term impact is unclear. Apple plans to release a new privacy feature in the first quarter that will require users to opt in to apps collecting their data from other companies' apps and websites. 

Apple said it's making the changes to the popular mobile operating system to give users more control over their data. Social networks, including Facebook, have expressed concern the changes will affect the ability of advertisers to reach customers with targeted ads. Facebook said Apple's changes are about "profit not privacy" because if apps turned more to in-app purchases the smartphone maker would get more money from fees. Snap, on the other hand, expressed support for Apple's upcoming changes.

"When it comes to some of the policy changes that Apple is making you know, we really think of them as high integrity folks and we're happy to see them making the right decision for their customers," said Snap CEO Evan Spiegel in a call with analysts on Thursday.

Snap estimates revenue in the first quarter will be between $720 million and $740 million, higher than earlier expectations of $704.57 million. However, the company estimates it will lose between $50 million and $70 million in adjusted EBITDA (earnings before interest, taxes and amortization), worse than the $19.26 million profit analysts expected.

Concern over the forecast pushed Snap's shares lower in after-hours trading. At one point, shares had fallen more than 10% to $52.20 per share.

Worries over the future performance overshadowed Snap's strong fourth-quarter results. In the October-December quarter, Snap raked in $911 million in revenue, better than the $857.39 million analysts surveyed by Thomson Reuters expected.

The company lost 8 cents per share in the fourth quarter, which was slightly worse than the loss of 7 cents per share anticipated. Excluding certain expenses, the company earned 9 cents per share, beating expectations of 7 cents per share. 

Snap had 265 million daily active users, up 22% compared to the same period last year.

The disappearing messaging app has been doubling down on augmented reality effects and original series. It also launched a TikTok rival called Spotlight that has 100 million users.

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The Galaxy S21 lineup is here, with a $200 price cut, new design and S Pen support

The Galaxy S21 lineup is here, with a $200 price cut, new design and S Pen support

This story is part of CES, where CNET covers the latest news on the most incredible tech coming soon.

Samsung's new Galaxy S21 lineup is here. And the new Galaxy S21, S21 Plus and S21 Ultra have plenty to attract would-be buyers, including new designs and $200 shaved off the starting price of their predecessors.

The South Korean electronics giant on Thursday, during its first virtual Unpacked event of the year, showed off its three new phones: the $800 Galaxy S21, the $1,000 Galaxy S21 Plus and the $1,200 Galaxy S21 Ultra. (In the UK, the S21 will start at £769, just £30 cheaper than the S20.) It also unveiled new $200 earbuds, called the Galaxy Buds Pro; $30 Tile-like Galaxy SmartTags that can track nonelectronic items like pets; and a $40 S Pen accessory. The event took place on the last day of this year's CES and more than a month earlier than normal. 

Samsung's Galaxy S21 lineup is packed with refinements to the cameras, displays and 5G capabilities. The new phones feature a redesign that accentuates the camera lenses on their backs while linking them with their metal frames, something Samsung calls "Contour Cut Camera" housing. The base amount of storage for all of the S21 models is 128GB, and Samsung boosted the photo and video capabilities for vloggers and others. 

The lower price is a nod to the realities of the world, with the coronavirus pandemic shutting down many global economies and eliminating millions of jobs. Smartphones, serving as a lifeline to friends and co-workers, remain one of the few essential gadgets. This is also one of the first phones in a few years that didn't introduce a brand new technology like 5G, which often justifies a premium. 

"In 2021, our top priority is to bring the benefit of technology to more people," TM Roh, the head of Samsung's mobile communication business, said in a statement, calling the Galaxy S21 series "the most powerful and versatile flagship lineup ever."

On the other end of the spectrum, the S21 Ultra is designed for people who want the "best of the best." It features a 6.8-inch Dynamic AMOLED 2x display, Samsung's best camera of the S21 lineup with four back lenses, and Corning's scratch-resistant Gorilla Glass Victus on the front and back. The S21 and S21 Plus have 6.2- and 6.7-inch Dynamic AMOLED 2x displays, respectively, and Gorilla Glass Victus on the front. The S21 Plus also has the glass on the back, while the regular S21 features a plastic polycarbonate backing. Both have three camera lenses on the back.

This year, Samsung has brought support for its S Pen, a hallmark of the Galaxy Note lineup, to its Galaxy S family for the first time. Of the three new phones, only the S21 Ultra works with the S Pen, and it comes as a separate accessory that costs $40 for just the pen or $70 when bundled with a specially designed case that stores the stylus. Users can't stow the S Pen away inside the S21 Ultra like they can with Note, but they can use their old Note styluses with the S21 Ultra. The new accessory doesn't work with gestures or many of the other features found in the Note's S Pen, which likely means the Note line isn't dead quite yet.

Samsung will introduce an S Pen Pro later this year, though, that has some of the Bluetooth-enabled features found in the Note's stylus, like gestures. Samsung didn't give a price or release date for the S Pen Pro. 

The new phones come as Samsung faces a tougher market for 5G phones. When the Galaxy S20 lineup hit the market a year ago, there still were relatively few 5G phones available, and they weren't cheap. Now competition is fierce. Prices for 5G phones go as low as $300 in the US, and virtually all companies sell 5G models. Every phone in Apple'siPhone 12 lineup from late 2020 came with 5G by default, something that was expected to help the technology go mainstream. At the same time, the world continues to grapple with a pandemic that's limiting budgets for new gadgets. 

Samsung made the decision to drop the starting price of its new phones by $200 because of a few factors. Components like 5G processors, displays and camera modules now cost less because Samsung has such a high volume of those parts in devices across its portfolio. The company also made some minor trade-offs in its S21 and S21 Plus devices, like lowering the base level of RAM to 8GB from 12GB. 

"For people who want the highest-end, Ultra experience, we still have that, and we're not sacrificing [the features] based on price point," Drew Blackard, Samsung Electronics America's vice president of product management, said in an interview ahead of Unpacked. "For people who want value and an amazing flagship experience at the same time, we still have a great offering for them with the S21. And then we've got something kind of in between for people who want a little bit of both."

The existence of the Ultra is a reminder that not everyone feels the impact of the pandemic equally.

"The people that are buying an S21 Ultra are not feeling the pressure of the pandemic," Creative Strategies analyst Carolina Milanesi said. Samsung "could have decided that maybe [its] entry product was going to be cheaper but leave the two flagships more expensive. But it's not doing that." 

Preorders for the phones begin Thursday at 8 a.m. PT, and the phones hit stores on Jan. 29. The Galaxy Buds Pro are available Thursday on Samsung.com and will be at other retailers on Friday. People who preorder the phones get up to $200 in Samsung credit and also get a free Galaxy SmartTag. In addition, carriers are offering promotions, like AT&T's offer for up to $800 off when trading in an eligible device and purchasing the new phone on a 30-month installment plan.

Say cheese

One of the biggest differentiators for the Galaxy S21 Ultra over the S21 and S21 Plus is the camera. The pricier device comes with four cameras on the back -- ultra-wide, wide and dual tele-lenses -- and an upgraded 108-megapixel sensor. That allows users to capture 12-bit HDR photos with 64 times richer color data and more than three times wider dynamic range. In other words, sharper, better photos. 

"When designing the Galaxy S21, we thought about how people use their cameras today," Stephen Hawke, director of product management for Samsung Electronics America, said during a briefing with reporters ahead of Unpacked. "For instance, there are those fleeting moments when you just don't have time to think about the perfect mode or setting to capture a shot, let alone switch to recording video. We need our phones to do all this for us. With a Galaxy S21, you get photos and videos with the simplicity of point and shoot."

When it comes to video, the Ultra enables users to shoot in 4K at 60fps across all lenses, including those on the front, meaning they can shift to different perspectives with the same quality. A new feature called Director's View lets you see a scene from multiple perspectives simultaneously, while Vlogger View lets you shoot with the front and rear cameras at the same time. Pro Mode lets users capture images in a 12-bit raw file format to make it easier to edit the images later. 

The Galaxy S21 Ultra has four camera and laser autofocus on the back.

Drew Evans/CNET

The S20 Ultra features 100x Space Zoom, like its predecessor, but in this year's phone is a new feature called Zoom Lock that keeps the camera focused on an object for a clearer picture. Samsung said it provides "tripod-like stability with an AI-powered stabilizer." Space Zoom on the S21 Ultra is powered by Samsung's first dual-tele-lens system, which is one optical 3X zoom for midrange and one optical 10x zoom for long-range. Both have dual pixel autofocus to capture ultra clear shots. 

Low-light photography also gets a boost in the Galaxy S21 Ultra. Samsung improved its Bright Night sensor and Night Mode to reduce noise and capture challenging shots like dimly lit rooms or landscapes at night. 

The Galaxy S21 and S21 Plus both have three rear cameras in ultra-wide, wide and tele-lens. They feature 30X Space Zoom with Zoom Lock, as well as Director's View and Vlogger View. Portrait Mode gets a boost from AI, which provides options for virtual studio light and effects to make the subject pop from the frame -- with both the rear cameras and the front-facing selfie lens. 

Samsung has improved its 8K Snap feature to let users grab clear images from 8K video footage, and its Super Steady Video records at an "improved" 60fps. The new Galaxy S21 phones also feature Multi-Mic Recording when paired with the new Galaxy Buds Pro, letting users record with their camera mic and earbuds mic at the same time. 

What's inside

All phones in the Galaxy S21 lineup in the US come with Qualcomm's new Snapdragon 888 processor and integrated 5G modem. The new Snapdragon chip is more effective at connecting to all flavors of 5G, from the slower, more reliable nationwide variant offered by all the US carriers, or the speedier but more finicky millimeter wave version touted by Verizon, and boasts peak download speeds of 7.5 Gbps and upload speeds of 3Gbps.

The new processor with its integrated modem is "really important," Technalysis Research analyst Bob O'Donnell said. By being able to combine different types of 5G airwaves together, there's a "huge potential increase in performance in 5G," he said. 

The Galaxy S21 Plus gets a bigger battery -- 4,800 mAh versus 4,500 in the S20 Plus -- while the S21 stays steady with 4,000 mAh and the S21 Ultra retains its 5,000 mAH battery. 

Also under the hood, or rather the display, is an improved fingerprint sensor from Qualcomm. The chip giant on Monday unveiled the second generation of its 3D Sonic Sensor that's 50% faster and 77% bigger than the previous generation, making it easier for people to to unlock their devices using their fingerprints. Along with making it simpler to know where to place a finger, the larger size also allows the technology to collect 1.7 times more biometric data, speeding up the unlock time. 

Samsung also included ultra wideband, or UWB, technology in the Galaxy S21 Plus and S21 Ultra. The technology lets a user pinpoint the exact location of phones, key fobs and tracking tags, helping them find lost dogs or automatically unlock their car. UWB calculates precise locations by measuring how long it takes super-short radio pulses to travel between devices. (Note: It's different from the Ultra Wideband terminology Verizon uses for its mmWave 5G network.)

Samsung will eventually have UWB in its Galaxy SmartTags, but the first version available will use Bluetooth Low Energy. The company didn't yet say when the UWB version will be available or how much it will cost, but it sees big opportunities for UWB in the future, especially as it tries to control the smart home. 

"We recently launched SmartThings Find to help you quickly and easily locate your Galaxy devices, even when offline," KJ Kim, chief technology officer and head of mobile R&D for Samsung, said in a statement. "We took this a step further with Galaxy S21 Plus and S21 Ultra, which use expanded UWB capabilities to utilize the AR finder so you can send virtual messages to other Galaxy users during your search."

He added that Samsung has formed partnerships with "major car companies" to provide "a next-generation car experience starting this summer."

And out

The phones in the Galaxy S21 lineup all feature a matte finish that helps minimize fingerprints. In the US, the Galaxy S21 Ultra comes in phantom black and phantom silver, and it has four possible configurations. The silver only comes with 128GB of storage and 12GB RAM, while the black has 128GB or 256GB of storage with 12GB RAM, and a monster 512GB model with 16GB RAM. 

The S21 Plus and S21 have some brighter color options, including phantom violet and phantom pink, the latter of which is only in the S21. There are two storage options for those phones, either 128GB or 256GB, both with 8GB RAM.

Samsung's Galaxy S21 (left), Galaxy S21 Plus (center) and Galaxy S21 Ultra hit stores Jan. 29.

Drew Evans/CNET

Samsung's Bixby voice assistant again makes an appearance in the S21 lineup, but its button can be remapped to other tasks. It's also integrated into SmartThings, Samsung's smart home control app.

The S21 Ultra has some advantages when it comes to the screen. All three use Samsung's Infinity-O Displays, are HDR10+ certified and have an adaptive 120Hz refresh rate that automatically adjusts based on what the users is doing, but the Ultra has a resolution of 3,200x1,440, while the other two are 2,400x1,080. 

The Ultra also has a Quad HD+ display -- versus flat, full HD+ in the S21 and S21 Plus -- and "the best, brightest display ever," Samsung's Hawke said. He noted the picture is 25% brighter than in the S21 and S21 Plus. The Ultra also has a 50% improved contrast ratio to deliver clear, immersive images, even when outdoors, and a brighter screen

"This is going to make content really pop, especially high dynamic range content," said Techsponential analyst Avi Greengart. "People will be able to use it outdoors without [the screen] getting washed out."

For Samsung, the hope is that its lineup has something for everyone. 

"When it comes to shopping for new smartphones, first and foremost, people want choice," Samsung's Blackard said. "That is both in terms of features and in terms of price points. So we're really committed to driving a range of different devices that offer what we think is that diversity of needs that's in the market today."

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New Split Screen Android Auto Redesign Coming This Summer

New Split Screen Android Auto Redesign Coming This Summer

As part of its I/O 2022 developers' conference, Google showcased the next iteration of its Android Auto app mirroring interface for cars rolling out this Summer. The refreshed interface now features a split screen layout that should make multitasking easier by reducing the number of times users will need to return to the home screen for simple tasks.

Android Auto was originally revealed at I/O 2014 before making its way into the first vehicles and aftermarket head units the following year. Today, Google says over 150 million cars globally, from nearly every major auto manufacturer, now have Android Auto connectivity; and every one of them -- from the oldest to the ones still rolling off assembly lines -- should benefit from today's announced updates.

The configuration of Android Auto's new tiles and status bar will depend on the aspect ratio of your car's display.

Google

The new Android Auto is scalable and able to adapt to standard, vertical and ultrawide configurations. Along the bottom edge -- or the left edge for ultrawide screens -- is a bar with shortcuts to the app launcher, notifications and Google Assistant on one end. On the other end you'll find status icons for signal strength, phone battery level and time . The main area of the display is now split into three sections with two tiles dedicated to displaying navigation and media controls -- the features Google thinks drivers prioritize when behind the wheel. 

The split screen, three-panel design will be able to scale to fit normal, ultrawide and even vertically oriented displays.

Google

The contents of the third section will shift depending on the context: Sometimes, it's a simple clock. When starting a trip, estimated time to the destination may appear here with a link to share. When a message comes in, a preview will sit in this flexible space waiting for the user to interact or reply. Users will also now be able to quickly respond to those incoming messages with a single tap using Google Assistant AI-suggested quick replies -- like "OK" or "On my way" -- similar to those offered on Pixel devices. Of course, composing a custom reply via voice input is still on the menu.

Android Auto's new look and new functionalities should start rolling out this Summer.

Apps that support long form content like audiobooks and podcasts will soon be able to show a progress bar in the media browser.

Google

Earlier this year, Android Auto rolled out a media recommendations shortcut powered by Google Assistant and today it announced new developer tools to help more apps hook into that feature. Developers will also gain access to new templates to customize how their apps display in the Android Auto interface and new tools to help users more efficiently interact with long form content, such as audiobooks and podcasts. Google will also continue to open up new app type categories, building on the CES 2022 announcement that ridesharing driver apps such as Lyft, along with electric vehicle charging apps and parking services, are coming to Android Auto.

Switching gears, Google also announced new features are coming to its baked in Android Automotive OS -- which runs natively on the vehicles' hardware rather than being streamed in from a host phone via USB or wireless connectivity -- found in vehicles like the Polestar 2, the Volvo C40 and XC40 Recharge and GMC's Hummer EV. 

More video streaming apps and even Chromecast support will join YouTube in Android Automotive OS dashboards later this year.

Google

Google previously announced it was bringing YouTube to the dashboard later this year, allowing drivers to entertain themselves while parked and, for example, waiting for their EV to charge. At I/O 2022, Google says to expect more video-based apps like Tubi TV and Epix Now on the horizon, better browsing of video content and even cast support that would allow you to stream content from Chromecast-compatible mobile apps from your phone to the vehicle's larger screen.

Developers should also find it easier to develop for Android Automotive OS with new tools that help translate tablet-sized apps to parked car experiences and speed up the development and publishing of apps for both Android Automotive OS and Android Auto.

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The Worst Credit Card Mistakes You Should Stop Making

The Worst Credit Card Mistakes You Should Stop Making

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

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

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

Paying your credit card bill late

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

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

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

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

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

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

Stop paying your credit card bill late

Sarah Tew/CNET

Maxing out your credit cards

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

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

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

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

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

Making only the minimum payment on your credit card

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

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

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

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

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

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

How minimum payments lead to higher interest

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

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

Taking out a cash advance on your credit card

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

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

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

Chasing credit card rewards with abandon

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

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

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

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

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

Sarah Tew/CNET

Not paying off big purchases during a 0% APR period

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

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

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

Canceling your credit cards

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

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

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

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

Applying for too many credit cards

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

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

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

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

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

Sarah Tew/CNET

Not checking your billing statements regularly

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

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

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

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

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WhatsApp adds voice and video calls to its desktop app

WhatsApp adds voice and video calls to its desktop app

WhatsApp on Wednesday added the ability to make voice and video calls via its desktop app. The feature will be limited to one-to-one calls initially, but the Facebook-owned messaging app will expand it down the line to include group calls.

Desktop calls work in both portrait and landscape orientation, appear in a resizable standalone window on your screen and are set to always be on top so they won't vanish under your mountain of open windows.

All WhatsApp calls are end-to-end encrypted (as are any messages you send), so the company can't hear or see them, it noted in its blog post.

In January, the company added the ability to use biometric data -- your face or fingerprint -- when linking devices.

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