Apple watch sport watch new apple watch sport apple watch series 8 extreme sports apple watch for athletes apple watch sport watch best apple watch for athletes apple watch extreme sports apple watch 8 extreme extreme watches for men apple watch for men apple watch for sale near me apple watch for seniors safety
Apple Watch for 'Extreme Sports' Will Have Larger Display and Metal Case, Report Says
Apple Watch for 'Extreme Sports' Will Have Larger Display and Metal Case, Report Says
Apple is rumored to be working on a new version of the Apple Watch that'll be geared toward extreme sports. The more "rugged" Apple Watch will feature a larger display screen, longer battery life for workouts and a protective metal case, according to a report Wednesday from Bloomberg, which cited people with knowledge of the company's plans. The new Apple Watch will reportedly be unveiled later this year.
The larger watch screen will reportedly measure approximately 2 inches diagonally, be more shatter-resistant and will have around 7% more screen surface than current Apple Watches. This will be the third time Apple has increased the screen size of Apple Watches since they debuted in 2015. With the increased screen size, the rumored extreme sports Apple Watch would offer consumers one of the largest screens on the market.
Changing the case to a "strong metal material" instead of aluminum and including a larger battery are the other main changes geared toward extreme sports enthusiasts. Apple will reportedly unveil two other updates in the Apple Watch Series 8, a standard Apple Watch and a lower-end Apple Watch SE, both of which will keep their current screen size. The entire series of watches will run on an S8 processor, according to Bloomberg.
The new rugged Apple Watch is expected to be more expensive than existing standard stainless steel Apple Watches, which start at $699.
How to cancel a streaming service how to cancel cbs streaming service how fast do you cancel streaming services how to cancel a streaming service canceling streaming services peacock streaming cancel services cancel streaming services on amazon app for cancelling streaming services streaming services to replace cable tv streaming services list streaming services uk
Streaming Services to Cancel or Keep in September 2022
Streaming Services to Cancel or Keep in September 2022
September ushers in fall premiere season for traditional and cable networks, bringing new episodes of primetime TV shows and sports back to the screen. Whether you're a cord-cutter or not, it's likely your streaming plate will get a little fuller. Between The Rings of Power on Prime Video, House of the Dragon on HBO Max and Hulu's lineup of network premieres it's a busy time, making the "keep" section of this month's list heftier.
Starting Sept. 19, Peacock will have new episodes of NBC and Bravo shows exclusively on its platform the day after their network debuts. Series such as Law & Order will no longer stream on Hulu, but Hulu has new content arriving from Fox, ABC and other networks. With that in mind, both services may be keepers for you in September -- or not.
Each month I give advice on which streaming services to cancel and which ones to keep, based on their new releases and current lineup. You may be thinking about canceling a few streaming subscriptions to cut costs, and I'd like to offer my strategy: Churn like ice cream.
This means you subscribe for a period, cancel, choose a different service and later resubscribe, putting your favorites in a rotation. Feel free to pick one or two must-haves for the year and treat other streaming platforms like seasonal add-ons. The upside is that you can 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. Rotating may not be an option if you're sharing your accounts with people outside your household, but if you can work out a system with your streaming clique, go for it.
Here are my recommendations for which streamers to keep or drop for September, primarily based on new TV shows and movies arriving on each platform. This time, there's a little bit of live sports thrown in the mix because it's football season. Of course your tastes may be different, but if nothing else, I urge you to at least consider the concept of rotating for savings. It's easier than you might think.
Streaming Service Rotation for September 2022
Keep
Cancel
Prime Video
X
Hulu
X
Netflix
X
Apple TV Plus
X
Disney Plus
X
Paramount Plus
X
HBO Max
X
Peacock
X
Starz
X
You should probably keep these subscriptions in September
Prime Video: Don't miss The Lord of the Rings: The Rings of Power on Sept. 1 and its two-episode premiere. Season 1 has eight episodes total that will air into October. Sports fans can catch the NFL's Thursday Night Football beginning Sept. 15.
Netflix: The biggest drops this month are Cobra Kai season 5 on Sept. 9, anime Cyberpunk: Edgerunners (Sept. 13) and Blonde, the fictionalized story based on Marilyn Monroe's life. Debuting on Sept. 28, Blonde is Netflix's first NC-17 original movie. Other releases include the Ivy + Bean movie trilogy (Sept. 2), a K-Drama version of Little Women (Sept. 3), The Anthrax Attacks: In The Shadow of 9/11 (Sept. 8), Queen Latifah's End of the Road movie (Sept. 9), Do Revenge starring Maya Hawke and Camila Mendes (Sept. 16) and Fate: The Winx Saga season 2 (Sept. 16).
Hulu: The Handmaid's Tale returns with season 5 on Sept. 14 and The Kardashians are back on Sept. 22. If you watch Hulu for its network shows that air the next day, look out for new seasons of Atlanta (Sept. 16), 9-1-1 (Sept. 20), The Cleaning Lady (Sept. 20) and The Resident (Sept. 21). On Sept. 22, Hulu drops premieres for Abbott Elementary season 2, The Conners season 5, The Goldbergs season 10 and The Masked Singer season 8. You can also stream new episodes of The Simpsons, Bob's Burgers, Shark Tank and Bachelor in Paradise later this month.
Is June worth your Hulu subscription when The Handmaid's Tale drops season 5?
Hulu
HBO Max: House of the Dragon and Harley Quinn are still going strong. Additionally, The Nevers season 1 part 2 (Sept. 16) and the Elvis movie (Sept. 2) arrive in September. Wondering where The Vampire Diaries landed after leaving Netflix? Find the Salvatores here starting on Sept. 4. And if you're a fan of Chip and Joanna Gaines' Magnolia content from Discovery, 25 titles touch down on HBO Max this month.
Disney Plus: I only recommend keeping this service this month if you're a Marvel or Star Wars fan, or a parent with young kids. Disney Plus moved its new Andor show from Aug. 31 to Sept. 21 with a three-episode premiere. The show has 12 episodes that air into November, so if you want to wait a few months and binge, go for it. She-Hulk is still spinning, but new Disney Plus Day releases include Pinocchio (with Tom Hanks), Thor: Love and Thunder and the new Cars on the Road series, which all drop on Sept. 8. Dancing With the Stars season 31 debuts on Sept. 19 and Hocus Pocus 2 starts streaming on Sept. 30.
Peacock: Sunday Night Football starts with a kickoff game on Sept. 8 then switches to Sundays beginning Sept. 11. With NBC shows rolling in this month with next-day streaming, you can upgrade to a Premium account to see full episodes and seasons on Peacock. New subscribers can sign up in September for only $2. You can also catch the Vampire Academy TV series (from Julie Plec, showrunner behind Vampire Diaries and The Originals), Bravo's Real Girlfriends of Paris (debuts Sept. 6 with weekly releases), Days of Our Lives (Sept. 20) and NBC's lineup. Of course, you can also hold off on a Peacock subscription and binge what you want in October or November.
Starz: Stream the debut of The Serpent Queen on Sept. 11, which features Samantha Morton as French monarch Catherine de Medici. Raising Kanan will continue to air through September. You can either keep Starz or binge everything at the end of October, but there's a deal for $5 per month for three months available right now.
Read more: Best Streaming Service of 2022: Netflix, HBO Max, Disney Plus and More
Cancel at least two services in September
Apple TV Plus: While the service produces high-quality content and a nice lineup for kids, there isn't much must-see content here for September. Releases include Hillary Clinton's Gutsy (Sept. 9) which features guests like the Little Rock Nine, Megan Thee Stallion and Jane Goodall, Central Park season 3 (Sept. 9) and The Greatest Beer Run Ever with Zac Efron Russell Crowe (Sept. 30).
Paramount Plus: Nothing hot on Paramount Plus this month. But you can stream new episodes of reality shows like Big Brother or Ink Master, or catch the season 6 premiere of The Good Wife.
Honestly, Disney Plus and Peacock could have dual membership in the keep and cancel columns this month, especially if you're not a football fan or don't mind waiting to binge-watch certain series. And there's nothing wrong with watching Hocus Pocus 2 in October. It's your choice.
Sorry, there's still no reason to cancel Netflix when releases like Cobra Kai are arriving this month.
Netflix
Save money by holding off a few weeks
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 several 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 will be available to stream at that time. Though it premieres on Sept. 21 and continues through the fall, why pay for three 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 to save money.
Cassian Andor broods in upcoming Star Wars series Andor, which airs on Disney Plus into November.
Lucasfilm
How much do you pay each month for your streaming services? Netflix is $10 to $20, Disney Plus is anywhere from $3 to $8 depending on bundles, HBO Max costs $10-$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 a calendar reminder to ping you when it's time to re-subscribe or cancel. We'll see you in October for another streaming breakdown.
Dish expands 5g but there s a catch here s what you never knew about lily dish expands 5g but there s a catch here s what i think in text dish expands 5g but there s a catch here s what i think crossword dish expands 5g but there s a catch here s johnny jack nicholson dish expands 5g but there s booze in the blender dish expands 5g butter dish 5g rollout dish 5g network dish 5g internet dish 5g dish 5g tower
Dish Expands 5G, But There's a Catch: Here's What You Need to Know
Dish Expands 5G, But There's a Catch: Here's What You Need to Know
What's happening
Dish, the fourth US carrier, says it expanded 5G in 120 cities.
Why it matters
Dish took on its fourth carrier role when Sprint and T-Mobile merged, and has been under the gun by the FCC to roll out the service. It's supposed to a viable competitor to its bigger rivals.
What's next
Dish will still need to provide more clarity on the service, which is still invite only for now.
Dish Network may finally be on its way to offering a competitive 5G alternative to the big three national carriers. On Tuesday, the satellite TV provider updated its Project Genesis site to say 5G service is live in more than 120 cities, marking a claim of nationwide coverage amid a Federal Communications Commission deadline to roll out service to at least a fifth of the country's population.
The announcement, a surprise change from earlier in the morning, when Las Vegas was the sole live city, could signal that the company is finally getting serious about the wireless business. Dish acquired wireless spectrum for years, but very little of a wireless network materialized. Then in 2020, Dish entered the mobile market by acquiring some of Sprint's mobile licenses, which Sprint was shedding as part of its merger with T-Mobile. The complex transaction suddenly made Dish the country's fourth-biggest carrier and led to the creation of Dish Wireless service.
But the FCC had a stipulation. To ensure competition, the regulatory agency required Dish to make sure 20% of Americans would be covered by its 5G network by June 14. The company said in a Wednesday release that the expansion exceeds that threshold. The "beta list" for the service is only available on an invite-basis only, and the company has been tightlipped about how many people will actually be able to access it.
Dish wasn't available for comment, but Stephen Stokols, CEO of Dish-owned Boost Mobile, tweeted that 5G service is now live in 120 cities and linked to the Project Genesis site. When reached for comment, the FCC clarified that Dish is required to file status reports to the agency, with the first due on July 14.
"Consumers benefit when there is more competition in our wireless industry," an FCC spokesperson said over email. "We are closely monitoring DISH's 5G build out to ensure that they are meeting all of their requirements in the law."
A host of issues has conspired to trip up Dish. The company acknowledged during an earnings call earlier this year that it had underestimated how much work it would take to get its own 5G network up and running. Supply chain issues only made the situation worse.
It's unclear whether Dish will suffer any consequences if it ends up missing the deadline. Neither Dish nor the FCC responded to a request for comment.
Here's what you need to know about Dish's 5G plans:
Why did the FCC put this requirement on Dish?
The deadline is the result of a huge shift in the US mobile industry two years ago, when T-Mobile and Sprint combined in a $26.5 billion deal. The FCC nearly quashed the deal out of concern that it would lead to market concentration by taking one carrier out of the market. Only AT&T, Verizon and the new T-Mobile would remain.
But Dish, which tried to add mobile service to its satellite TV offerings a decade ago, saw the carrier consolidation as an opportunity to become a mobile player. The company paid $5 billion for Boost Mobile, Sprint's prepaid mobile brand, as well as Sprint's 800MHz wireless spectrum specifically for 5G. Dish also secured rights to use part of T-Mobile's 5G network.
Dish still needed to build out its own 5G network, a task that it started mostly from scratch. To ensure Dish mobile customers would have solid service, the FCC originally set March 7, 2020, as the deadline for the company to have its 5G network up and running. The FCC also stipulated that coverage should reach 20% of the US population.
The deadline, however, was pushed back at Dish's request several times. The latest deadline was set for June 14, 2022. Dish Chairman and co-founder Charlie Ergen decided against requesting another extension and expected that the carrier would meet the FCC deadline, the Fierce Wireless news site reported in May.
Did Dish make the deadline?
Dish updated its Project Genesis website the day of the deadline to say its 5G network has reached over 120 cities. But we don't know how many people in those cities are covered by the network, and ergo whether Dish has met its goal of covering 20% of the US population by June 14. According to the FCC's terms, failing to meet the deadline could result in Dish's license for wireless spectrums being revoked and paying fines of up to $2.2 billion, the Light Reading news site reported earlier this year.
How far along is Dish's 5G network?
In early May, Dish made its 5G service publicly available in Las Vegas. Customers sign up for the service through "Project Genesis," an early access program that costs $30 per month and currently is only available on Motorola Edge Plus handsets. (The service plans accommodate other phones in the future.)
In February, Dish had said its 5G service would be live in more than two dozen cities by the June deadline. And after the Las Vegas service launched to the public, the carrier published a list of 113 cities it planned to include in Project Genesis. As recently as its first quarter earnings call in May, Dish had said it remained confident that it would activate 5G service in enough cities to reach 20% of the US population by the June deadline.
The carrier didn't make public where 5G service was live beyond its first city until today, when it suddenly listed over 120 more cities that now have active service on the Project Genesis site. The service remains invite-only, and we don't know how much area in each city is covered.
In addition to securing Sprint's 800MHz range, Dish has also bid in several separate auctions to secure 5G spectrum licenses. These include spending $7.3 billion in January on midband 5G in the 3.45GHz spectrum and $913 million on the so-called C-band 5G in 2020. Combined, the chunks of connected 5G spectrum will serve as the backbone of its service.
While Dish can use some of T-Mobile's 5G spectrum for years to come as part of agreements between the carriers, Dish also paid AT&T at least $5 billion in July 2021 for a 10-year contract to lean on the latter's 5G network while it builds out its own infrastructure.
What took Dish so long?
Unlike other carriers, which built their 5G networks on existing 4G LTE, Dish has more or less been building its network from scratch. It's also building the service on OpenRAN, a flexible type of cellular network that uses infrastructure from multiple vendors.
Dish executives have acknowledged that they'd underestimated the work it would take to build their network and that they hadn't anticipated supply chain issues.
How can you sign up for Dish 5G?
Right now, you can only sign up for Dish 5G's Project Genesis service by getting on a "beta list" of subscribers. First, check if you're located in any of the over 120 cities with 5G service. Then register by entering your email and address on the Project Genesis member site. Since the program is invite-only, there's no guarantee that applicants will be given the chance to subscribe.
Those in the Project Genesis Beta can use the Samsung Galaxy S22 and/or the NetGear 5G hotspot to access Dish's 5G network, while those in Las Vegas can use the Motorola Edge Plus smartphone. More devices will be made available later in the year.
Update, 1 pm PT and 3:45 pm PT: To include more details of the Project Genesis site and the 120 new cities.
Elon musk calls for increased nuclear power oil vegetable oil elon musk calls for increased nuclear power oil extractor elon musk calls for increased nuclear to cytoplasmic ratio elon musk calls for increased nuclear cytoplasmic ratio elon musk calls elizabeth warren elon musk twitter ball elon musk children elon musk wife
Elon Musk Calls For Increased Nuclear Power, Oil and Gas Production
Elon Musk Calls For Increased Nuclear Power, Oil and Gas Production
Elon Musk over the weekend highlighted the need for greater oil and gas output and urged Europe to turn toward nuclear power for its energy needs. The Tesla chief's tweets came as US gasoline prices rose and a Ukrainian nuclear plant was seized amid Russia's war in Ukraine.
"Hate to say it, but we need to increase oil & gas output immediately," he tweeted Friday. "Extraordinary times demand extraordinary measures."
He noted that this could hurt sales of electric cars like Tesla's but acknowledged that sustainable energy output couldn't instantly make up for lost Russian oil and gas exports.
Russia is among the world's largest producers of crude oil and natural gas, providing 10% of the supply globally and roughly 40% for the European Union. The war has strained relations between Russia and many nations, including those that buy its energy supplies.
On Tuesday, President Joe Biden banned US imports of oil and gas from Russia and said European allies are working on strategies to reduce their dependence on Russian energy. The European Commission on Tuesday outlined its plan to make the region independent of Russian fossil fuels "well before" 2030.
On Sunday, Musk turned his attention to nuclear energy following the Russian seizure of Ukraine's Zaporizhzhia nuclear power plant, the largest in Europe.
"Hopefully, it is now extremely obvious that Europe should restart dormant nuclear power stations and increase power output of existing ones," he tweeted. "This is *critical* to national and international security."
The US Embassy in Kyiv on Friday, in a tweet, called Russia's attack on the Zaporizhzhia nuclear plant a war crime. And the invading forces are advancing toward another nuclear plant, Ukrainian President Volodymyr Zelenskyy told US lawmakers over the weekend.
Many countries have phased out nuclear power after accidents like partial meltdown of Pennsylvania's Three Mile Island reactor in 1979, Ukraine's Chernobyl meltdown in 1986 and Japan's Fukushima disaster in 2011. The Chernobyl meltdown happened while Ukraine was part of the Soviet Union; the former plant's site is currently occupied by Russian forces.
Germany is among the European nations turning away from nuclear energy. In 2011, then-Chancellor Angela Merkel announced an energy transition that would phase out nuclear power and coal in favor of renewables. Germany shut down three nuclear plants at the end of 2021, leaving three plants active in the country.
Meanwhile, Germany has become more dependent on Russia for its natural gas and coal supplies, Bloomberg noted. But after the invasion of Ukraine, Germany surprised Russia by halting approval of Nord Stream 2, a natural gas pipeline running from Russia to Germany.
Mortgage forbearance and eviction extensions run through redlands mortgage forbearance and eviction extensions run through a troop mortgage forbearance and eviction extensions run through synonym mortgage forbearance and eviction extensions run through walls mortgage forbearance and eviction extensions runza mortgage forbearance and eviction extensions runners mortgage forbearance and eviction extensions chrome mortgage forbearance and eviction extensions store mortgage forbearance and refinance mortgage forbearance end date mortgage forbearance agreement
Mortgage forbearance and eviction extensions run through September 2021
Mortgage forbearance and eviction extensions run through September 2021
In addition to its vast human toll, the pandemic has ravaged the financial resources of millions of US homeowners. Since the Coronavirus Aid, Relief, and Economic Security Act passed last year, more than 9 million Americans hit pause on making monthly mortgage payments, entering what's technically referred to as a "forbearance."
But there are hundreds of thousands of additional homeowners who may qualify for relief. A 2020 Urban Institute survey found that approximately 530,000 delinquent homeowners had not requested forbearance relief -- despite being eligible.
Why? A National Housing Resource Center survey from last year suggested that homeowners may have feared having to make a significant lump-sum payment at the end of forbearance -- it's actually just one of many options -- or simply not known about the program. Others may have had difficulty connecting with their loan servicer.
The CARES Act's homeowner protections were set to expire at the end of June 2021. But the US Federal Housing Administration has announced revisions to measures for struggling homeowners. Highlights include:
An end to the foreclosure moratorium on single-family foreclosures on July 31
A moratorium on single-family eviction extended from July 31 to Sept. 30, 2021
An extension of the deadline to request mortgage forbearance from June 30 to Sept. 30, 2021
The extension of a program to help homeowners reduce monthly mortgage payments by 25% or more
Whether you've already resumed making mortgage payments, are still in forbearance or are in danger of defaulting on your loan, there are new protections for homeowners like you. Read on to learn everything you need to know about mortgage forbearance and the new extensions.
What is forbearance protection?
Entering into forbearance allows you to hit pause on making your monthly mortgage payment. The missed payments go into a separate loan bucket if you have a federally backed loan or move to the end of your mortgage with Fannie Mae or Freddie Mac. In both cases, forbearance has a 0% interest rate, no fees and is repayable when you refinance, sell or when the mortgage term ends. A few other important things to know:
Accepting forbearance assistance won't hurt your credit score. If your account is current when you enter forbearance, your loan servicer cannot report a pause in payments as "delinquent" to the credit reporting agencies. If you're behind on your mortgage when you enter forbearance, your loan servicer cannot report your account as more delinquent while your forbearance period is active. You can find additional information about this from the Consumer Financial Protection Bureau.
You will not be required to repay your missed payments in a lump sum.
Legal proceedings like foreclosure are suspended.
The US Department of Housing and Urban Development offers resources to help you navigate the process. "HUD has a website to help you find a housing counselor near you for people who need that resource individually," said Alanna McCargo, a HUD Senior Advisor for Housing Finance. "If they don't feel like they have enough information, a local housing counselor will work with them and the servicer to get them into the right space."
What are my options?
On June 25, the US Federal Housing Administration announced forbearance relief options. If you're struggling to pay your mortgage, here's an updated overview of what you can do.
Request forbearance
The new guidelines have extended the deadline for first-time COVID-19 forbearance requests. Homeowners who have not previously been in forbearance can now request assistance until Sept. 30, 2021. The table below summarizes your options based on the forbearance period start date. (If you aren't sure who owns your loan, you can look it up using the Mortgage Electronic Registration Systems website.)
FHA COVID-19 forbearance periods (updated June 25, 2021)
Initial forbearance date
First forbearance period
Second forbearance period
Third forbearance period
Maximum forbearance period
March 1, 2020 to June 30, 2020
Up to 6 months
Up to 6 months
Up to 6 months (in 3-month increments)
Up to 18 months
July 1, 2020 to Sept. 30, 2020
Up to 6 months
Up to 6 months
Up to 3 months
Up to 15 months
Oct. 1, 2020 to June 30, 2021
Up to 6 months
Up to 6 months
None
Up to 12 months
July 1, 2021 to Sept. 30, 2021
Up to 6 months
None
None
Up to 6 months
Extend existing forbearance
Depending on your loan servicer and how long you've been in forbearance, you may qualify for an extension to help you get back on your feet. The table above lists your choices, and if you don't see an option that works for your situation, McCargo urges homeowners to reach out to HUD or a housing counselor.
"The nature of the pandemic, because it's impacted people in so many different ways, has streamlined opportunities for people that are delinquent on their FHA mortgages," she said. "This administration has been really focused on making sure that we can do everything in our power to keep people in their homes, especially since people have a lot of home equity and, therefore, their wealth tied up in property. It's their livelihoods, and so it's really important to try to do what we can to work with folks."
Request a reduced monthly mortgage payment amount
If you are ready to exit forbearance but your monthly payment is still too high, modifying your loan term could help you find an affordable solution.
For FHA loans, the COVID-19 Advance Loan Modification (aka COVID-19 ALM) program is available to reduce monthly mortgage principal and interest payments by up to 25%. ALM requires loan servicers to review eligible borrowers' accounts within 30 days of the expiration of the forbearance period. Better still, you aren't required to contact your servicer to begin this process, but you will need to sign a modification offer from them to officially change your mortgage terms. You can find more details about COVID-19 ALM process here.
If Fannie Mae or Freddie Mac services your loan, there are also ways to lower your monthly payment. "Since every lender and servicer is different, the best way to find out what options exist is to reach out to your bank and ask," said Brandon Howland, a loan officer at 1st Security Bank in Everett, Washington. "For clients in forbearance who are looking to refinance, I advise them to start making on-time payments as soon as possible if that is their goal."
For clients who don't qualify for loan refinancing, Howland recommends loan deferral. "[The bank] essentially takes the delinquent amount and moves it to a second mortgage lump sum and attaches it to the original mortgage," he said. "It would bring the loan current, and then when the client sells or refinances, they would just have to add this amount to be paid, just like if it was a cash-out refinance to pay off a car loan, for example."
New changes to foreclosure and eviction protections for homeowners
In addition to extending forbearance provisions, the Biden administration extended the moratoriums on foreclosures and evictions to July 31, 2021. Mortgages covered under the extended protections included:
All FHA-insured single-family mortgages and home equity conversion (reverse) mortgages. Vacant or abandoned properties do not qualify.
Multifamily FHA mortgages that have been current on payments as of Feb. 1, 2020
All Fannie Mae and Freddie Mac-owned single-family mortgages
FHA, Fannie Mae or Freddie Mac-owned real estate owned properties acquired by private mortgage lenders through foreclosure or deed-in-lieu of foreclosure transactions.
USDA Multifamily Housing Communities
On July 30, the FHA acknowledged an end to the foreclosure moratorium, but extended the eviction moratorium to Sept. 30, 2021. Under federal law, a servicer cannot foreclose your home unless your mortgage is more than 120 days past due. There can be exceptions depending on your forbearance terms or if you enrolled in a "loss mitigation program." Although the rules vary by state, a servicer usually must notify a borrower before they begin foreclosure proceedings.
If you're facing foreclosure or eviction, contact your housing counselor to help you work with your loan servicer. You can also contact the CFPB, which can help you find an affordable or no-cost attorney in your area.
What happens when my forbearance period ends?
At least 30 days before your final forbearance period ends, your loan servicer will contact you to discuss next steps. If you have additional forbearance periods available, you will need to reach out to your servicer to request an extension. If you have exhausted your forbearance options, your servicer will help you choose an exit strategy.
Note: Don't forget to request everything in writing to make sure you understand the new terms of your mortgage. You may also want to review the agreement with your housing counselor or attorney.
What are my repayment options?
Your options for exiting forbearance depend on the type of mortgage you have and your financial stability. Options across all loan types are below.
Option for Exiting Covid-19 Forbearance
Option
Situation
How it works
Repayment plan
You can afford to pay more than your regular mortgage amount.
A portion of the forbearance amount you owe is paid monthly with your mortgage.
Deferral
You can pay your regular monthly mortgage amount but can't afford to increase it.
The unpaid forbearance amount is moved to the end of your loan and repaid when you refinance, sell or the mortgage term ends.
Partial claim
You can pay your regular monthly mortgage amount but can't afford to increase it.
This will either move your missed payments to the end of your loan or put them into an interest-free second mortgage called a COVID-19 Standalone Partial Claim, repayable only when you refinance, sell or the mortgage term ends.
Modification
You can't afford to pay your regular monthly mortgage amount.
Your mortgage and missed payments are combined and reduced to an affordable monthly amount. Lower payments mean it will take longer to pay off your loan.
Lump-sum reinstatement
You want to pay back all of your missed payments at once.
Most loan servicers can't require you to make a lump-sum payment, but it's an option if you choose to do so.
Special provisions for federally backed loans
Note that the FHA, USDA and the Department of Veterans Affairs do not require a lump sum repayment when forbearance ends. In addition, homeowners with VA loans may qualify for further COVID-19 assistance as the Biden administration conducts ongoing evaluations of veterans' vulnerability. Here's a partial list of loan service agencies that may provide more information:
If your loan isn't backed by a federal agency, call your servicer directly to learn about your options. Be sure to ask about loan terms, fees and interest rates -- and, as always, request written copies to review before signing a new mortgage agreement or modification.
Us navy twitter detail expands meaning details expand twitter meaning twitter fact check warning does twitter have fact checkers twitter expands character limits twitter expands consent safety policy posting what does detail expands mean on twitter
Twitter Expands Fact-Checking Project Birdwatch in the US
Twitter Expands Fact-Checking Project Birdwatch in the US
Twitter said Thursday it's expanding a pilot project that allows users to add context to misleading tweets.
As part of a project known as Birdwatch, users can add "notes" to tweets that contain false information. Twitter said a "small (and randomized)" group of users in the US will see these notes on tweets and be able to rate if they're helpful. About 10,000 people have contributed to the pilot, which was launched more than a year ago, the company said.
The expansion of the project is an example of how social networks are experimenting with ways to combat the spread of misinformation, a long-standing problem that's become a bigger concern after Russia's invasion of Ukraine. From fake profiles to misleading videos, social networks have struggled to stop a flood of lies before they go viral.
While the idea of crowdsourcing isn't new, it's not entirely clear how well Twitter's Birdwatch program has been working. Poynter, which analyzed more than 2,600 notes from Birdwatch and reviewed 8,200 ratings, said in February 2021 it found that less than half of Birdwatch users cited a source and many of the notes included partisan rhetoric. Twitter said Wednesday that the "vast majority" of notes that appear on tweets cite sources. In November, Twitter started allowing users to add notes without providing their name. Twitter said the anonymity is meant to help protect people from harassment and could potentially reduce polarization. The move, though, also makes it tougher to vet a source.
Twitter's Birdwatch program is still small and most users don't see these notes. The Washington Post reported this week that Birdwatch contributors were flagging about 43 tweets per day in 2022 before Russia's invasion of Ukraine. Birdwatch also isn't available in Russia or Ukraine.
Keith Coleman, vice president of product at Twitter, said during a virtual press conference Wednesday there are a lot of challenges that come with building Birdwatch.
"As we're expanding, we want to know that the product is really working and is really helpful," he said.
Twitter users can rate if a Birdwatch note is helpful.
Twitter
The company surveyed Twitter users in the US and found that they were 20% to 40% less likely to agree with the substance of a potentially misleading tweet after reading a note about it. Coleman didn't say how many people were surveyed or when this study was conducted. CNET asked Twitter for a copy of the survey, but the company declined to share it publicly. Twitter has also worked with The Associated Press and Reuters to rate the accuracy of the notes. Most were accurate, Coleman said.
Twitter wants people who have different points of view to contribute to Birdwatch, Coleman said. The company doesn't look at a Birdwatch user's political affiliation, gender or location but instead how they've rated notes in the past.
"If you have a note that's been rated helpful by two people who historically have always disagreed with each other, it's probably a good sign that that note is actually helpful to people from different points of view and could be worth showing," he said.
CNET wasn't invited to the press conference but viewed a recording of the call after learning about the event.
Twitter users are able to see what tweets are being fact checked on Birdwatch. Some recent examples of notes rated helpful include one that debunked a claim that US Vice President Kamala Harris told a kindergarten class that "Russia decided to invade a smaller country called Ukraine so basically that's wrong." The March 2 note cites an article from Media Matters, a left-leaning nonprofit and watchdog group, that points out that Harris was asked to explain Russia's invasion of Ukraine in "layman's terms" on the podcast The Morning Hustle.
Another note rated as helpful appeared below a video with 12 million views that describes a woman at an ice cream stand as a "real-life hero" because she appears to have prevented a girl from getting kidnapped. "This video is most likely scripted or setup. Similar video exists with same people," the note from March 1 said, citing Reddit. The note and replies to the tweet didn't appear to stop people from sharing it. As of Wednesday, the questionable video had been retweeted more than 84,000 times and quote tweeted more than 11,600 times. The quote tweets indicate that users still believe the video is legitimate.
"Our focus right at this phase is note quality — that notes are helpful to people, inform understanding, and accurate. As we scale and it becomes visible to more people, we believe it has the potential to impact virality, and this is something we'll be measuring," Coleman said in an e-mail after the press call.
Twitter users aren't alerted at the moment if a tweet has a note but Coleman said as the pilot expands it would "make sense to look at extensions like this, to help people evaluate what they're reading and sharing."
Allegations of bias in fact-checking has been an issue that social networks have grappled with as they try to combat more misinformation. Last week, Russia said it's partly restricting access to Facebook after the social network refused to stop fact-checking and labeling content posted on Facebook by four Russian state-owned media organizations. Russia's telecommunications regulator, Roskomnadzor, alleges Facebook violated "fundamental human rights" by restricting the country's state-controlled media. Twitter said Saturday in a tweet it's also being restricted in Russia.
Facebook pays third-party fact-checkers such as PolitiFact, Reuters and The Associated Press to flag misinformation on its site. The company started a project in 2019 so "community reviewers" who are contractors can help fact-checkers spot misinformation faster. Content flagged as false is shown lower on the Feed, filtered out of an Instagram page that curates content, and is featured less prominently in Feed and Stories where users post content that vanishes in 24 hours. If you try to share a fact-checked post, Facebook shows you a notice that says there's false information in the post.
Outside of Birdwatch, Twitter has taken other steps to help curb the spread of false claims, including adding more labels to misinformation, Russian state-media links and automated accounts.
While there are people who share false claims intentionally, others might share misinformation because they simply don't know it's true.
Yoel Roth, head of site integrity at Twitter, said Russia's invasion of Ukraine has made it more apparent how important Twitter's work in combating misinformation is.
"We're acutely aware of the role that we play in society and the value that public real-time conversation has," he said.
Macbook pro 16 inch bye bye butterfly keyboard replacement macbook pro 16 inch bye bye butterfly keyboard class macbook pro 16 inch bye inch macbook pro 16 inch dimensions macbook pro 16 inch cover macbook pro 16 inch sleeve macbook pro 16 inch release date macbook pro 16gb ram macbook pro 16 m1 release date macbook pro 16 2020 refurbished macbook pro macbook pro 14
MacBook Pro 16-inch: Bye-bye butterfly keyboard
MacBook Pro 16-inch: Bye-bye butterfly keyboard
You can finally get a MacBook with a totally redesigned keyboard -- but it's going to cost you at least $2,399 (£2,399, AU$3,799). The longstanding rumors about Apple's newest jumbo laptop were nearly all true. The newest 16-inch MacBook Pro, unveiled Wednesday, finally ditches the flat "butterfly" keyboard that has vexed Apple laptops for the better part of half a decade, replacing it with a back-to-the-future design modeled on the more traditional keyboards used by iMacs for the past several years. "As we started to investigate specifically what pro users most wanted, a lot of times they would say, 'I want something like this Magic Keyboard, I love that keyboard,'" Apple's Phil Schiller said in a conversation with CNET.
The new model fits a 16-inch screen into a body that's barely bigger than the previous 15.4-inch models. Apple is also throwing in a bevy of spec bumps -- better graphics, bigger battery, more storage, better microphones and speakers -- and charging no more for the bigger, better Pro than the 15-inch model that it replaces in the line.
But even with that long list of upgrades, the thing I'm most interested in is the keyboard -- and I bet you are, too. I've only gotten to use the 16-inch MacBook Pro for less than a day, but here are my early thoughts.
Read more:Apple's Phil Schiller on reinventing the new MacBook Pro keyboard
A familiar Magic Keyboard
MacBooks used to be the pinnacle of laptop engineering: cool unibody designs, great battery life, great keyboards and useful extras like the late, great MagSafe power connector. But that smooth sailing hit choppy weather when Apple introduced its butterfly keyboards starting with the 12-inch MacBook in 2015. The butterfly mechanism -- so named for the dual-hinged mechanism under each key -- replaced the more traditional single-hinged scissor switch design. The butterfly design offered a flatter profile for the keys, which allowed Apple to lean in to its ultrathin design aesthetic.
But many found the redesigned keyboard offered a less pleasurable typing experience because the flat keys barely moved when depressed. Despite the less-than-enthusiastic reception, Apple extended the butterfly keyboard to the full MacBook line -- even as it developed a reputation for being unreliable, with ongoing reports of sticky or nonworking keys. The problems were widespread enough that Apple had to initiate an extended replacement program for the entire line, and iterative modifications to the butterfly design never seemed to fully ameliorate the complaints.
But that's all over with the new 16-inch MacBook Pro. The new laptop incorporates what Apple is calling the Magic Keyboard, adapted from the namesake Magic Keyboards that have come with iMacs for years. Like those older models, it's a more traditional -- and, presumably, more reliable -- scissor switch design. Compared to the recent butterfly models, the 16-incher's keys are definitely quieter, feel more natural, and have a more generous 1mm of "travel" -- so when you depress the key, you actually feel it move. It's not a total throwback to the pre-butterfly MacBook Pros, though -- my 2015 13-inch MacBook Pro at home has smaller keys with even more travel, but those now feel more pillowy to my fingers. Think of the new MacBook Pro keyboard as a happy medium between the two.
The key caps on the new MacBook Pro's keyboard can be removed and replaced, and it seems like the keyboard could be more easily serviced. But with only a day using the new keyboard, it's hard to tell how it will do over time. Apple's 15-inch MacBook Pro was just updated earlier this year with a butterfly keyboard that Apple claimed was more durable. This new keyboard is an abrupt change, and a clear response to those earlier problems.
Note: An Escape key!
Sarah Tew/CNET
And while the new 16-incher keeps the Touch Bar, that mini touchscreen across the top of the keyboard that replaces the function key row, there's an Escape key at the top left now, in addition to the Touch ID sensor on the right. Apple still seems to think the Touch Bar is an essential part of the Pro experience, but I continue to find it confusing. That's mostly because the touch controls make me want to touch the screen, and the lack of tactile feedback makes it hard to tap brightness or volume controls while working. But the bar is smaller now. Maybe it will keep shrinking.
In addition to that escape key, traditionalists will also appreciate that the arrow keys on the keyboard's lower right have reverted to the classic "inverted T" design, which is much easier to navigate by feel.
The key layout will be familiar if you've used an iMac recently.
Sarah Tew/CNET
Thicker and heavier, but wow, those speakers
The 16-inch Pro feels roughly the same size as the older 15-inch model, but it's actually a tiny bit beefier, at 4.3 pounds (2 kg) and 0.64 inch thick -- that's 0.28 pounds heavier and 0.03 inches thicker than the 15-inch models. Apple claims its brightness hits 500 nits like the previous 15-incher, with DCI-P3 wide color gamut and a 3,072x1,920-pixel resolution (up from 2,880x1,800 on the 15). The bezels are smaller around the edges. It looks great.
The laptop's also heavier because there's more battery (100 watt-hour), with a promise of an 11-hour battery life. That gives you an hour more of battery charge in everyday use than the older 15-inch model provided.
The keyboard is inset to accommodate a six-speaker array on the edges that sounds excellent, well above anything I've heard on a recent laptop. It's enough for hosting a party, practically. A new three-microphone setup promises audio recording to rival a Blue Yeti microphone, should you choose to record directly from the MacBook Pro, though I can't imagine real podcasters or YouTubers forgoing a discrete microphone.
Goodbye, 15-inch MacBook Pro; hello, new graphics
The new 16-inch MacBook Pro replaces the 15-inch Pro that was just updated earlier this year, and starts at the same $2,399 price. And while the keyboard is a welcome retro feature, Apple didn't restore old favorites like USB-A ports or an SD card slot. There are still just four Thunderbolt 3 USB-C ports -- one of which doubles as a power jack at any given time -- plus a headphone jack. The 16-inch also uses ninth-gen Intel processors like the 15-inch did, and starts with the same six-core Core i7 processor.
The graphics are better, though, moving to AMD Radeon Pro 5300M or 5500M chips (instead of the Radeon Pro 555X in the 15-inch model). This is the first laptop to use AMD's new graphics card. We're curious about performance, so stay tuned for tests and benchmarks.
The base-model 16-inch Pro starts with 512GB of storage, up from 256GB, and Apple has configurations ramping up to a crazy 8TB solid-state drive (empty your bank account) and 64GB of RAM (16GB comes standard).
Full specs
Silver or space gray
16-inch, 3,072x1,920-pixel display
2.6GHz six-core Intel Core i7 or 2.3GHz Intel Core i9 (up to an eight-core Core i9)
16GB DDR4 RAM (up to 64GB)
AMD Radeon Pro 5300M or 5500M, 4GB GDDR6 memory (up to 8GB)
512GB SSD (up to 8TB)
Four Thunderbolt 3 USB-C ports
100 watt-hour battery
$2,399 starting price
Will that keyboard show up anywhere else next?
But back to that keyboard. I'm fascinated -- and relieved -- that Apple has moved away from the butterfly and back to a scissor mechanism. The entry ticket to this keyboard, however, is $2,399. Will Apple introduce this keyboard into other MacBooks, too, and when will it happen? I have no idea, and Apple wouldn't disclose any concrete plans. But for the time being, Apple's best laptop keyboard will be held captive inside its fanciest Pro model.
How powerful is it?
Stay tuned for testing, where we'll learn a lot more. Right now, this looks like an overdue upgrade to Apple's larger-sized Pro laptop, but maybe not in all the ways everyone was hoping for.
Originally published earlier today. Update, 11:57 a.m. PT: Clarifies that the new MacBook's keys are wider than pre-butterfly keys, and quieter too.
