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Tesla Reports Increases in Profit by 147%, Production by 69% Versus 2021
Tesla Reports Increases in Profit by 147%, Production by 69% Versus 2021
Well, it's 4/20, and you know what that means! No, not that. It's Tesla's Q1 earnings report time. As with most of the previous quarters in recent memory, this particular shareholder deck is kind of a snoozer. That's not a bad thing, though, as it means that Tesla is a stable company and has the whole building cars at scale thing mostly nailed down.
The biggest thing in the Q1 2022 shareholder report is that Tesla is once again a company that turns a profit -- 147% more than this time last year. This has been the case for a while now, but it's good news -- especially if you're a Tesla shareholder. Production is up too by a whopping 69% year-over-year, with most of that being attributable to Models 3 and Y.
Another reason for Tesla's continued financial success is an increase in its sales of regulatory credits. This is likely to continue, too, as the government tightens average fuel economy and vehicle emissions requirements.
From a technology standpoint, the biggest news in Q1 is Tesla delivering its first 4680-powered vehicles at Giga Texas. These vehicles also have the single-piece front casting, which Tesla and its CEO Elon Musk have hyped up as a significant step toward reducing construction cost and complexity for the Model Y.
Both Giga Texas and Giga Berlin are delivering limited numbers of vehicles, which is impressive considering that both facilities are under construction. At the same time, Giga Shanghai has been hit with another COVID-19 outbreak that has necessitated production stoppages.
We're curious to see what Musk has to add to the Q1 earnings call, set to take place later on Wednesday afternoon. It is 4/20, and the company increased its production by 69%, so maybe he's just there as comic relief.
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Could round smartphones be the next big thing? Cyrcle hopes so
Could round smartphones be the next big thing? Cyrcle hopes so
This story is part of CES, where CNET covers the latest news on the most incredible tech coming soon.
In a sea of rectangular black smartphones, the Cyrcle concept phone at CES 2020 immediately stands out for its novel design. Though not in its final stages (the encasing I saw was literally rough around the edges and printed by a 3D printer), the US-based company is aiming to launch the phone in the first quarter of 2021 for $700.
CNET checked out an earlier 2G model of this circular phone back in 2016. Since then, Cyrcle has added 4G LTE and improved the handset's hardware while retaining a design that is rarely seen in the phone industry. The device runs Android 9 and has a touchscreen display that measures 3.45 inches in diameter. While some apps, including gaming apps, will have to be reworked to accommodate this shape, Cyrcle CEO Christina Cyr said that, based on user feedback, the company will keep the square interface of popular apps and shrink it down to fit inside the circular frame.
During my brief time with it, the phone fit comfortably in my hand. It's a good size, and I can imagine throwing it in my backpack easily; though it's too thick to fit nicely in my front pants pocket. At the same time, it feels a bit funky to navigate. It's as if my hands have to relearn how to hold up the phone and get used to this new shape. It actually reminds me of a giant pocket watch or rather, a giant Android Wear watch.
Cyrcle may include both Micro-USB and USB Type-C ports on the phone.
Sarah Tew/CNET
The phone also has two 13-megapixel cameras on the front and back, dual-SIM capabilities and two headphone jacks. Cyrcle said it wanted to add two of them because it noticed younger users wanted to share and listen to the same music together. As I mentioned earlier, the encasing at CES 2020 was unfinished, but Cyrcle is working with different recyclable materials for the final design that include plastic from ski shoes and nylon from Audi car dashboards.
This isn't the only time we've seen a design like this. In 2016, another company launched the Runcible phone for $600. Sold through IndieGogo, it had a similar concept and design.
Since then, however, Runcible has remained pretty quiet, but Cyrcle is here at CES with its second-generation model. While I'm sure most people will keep their rectangular phones for now, Cyrcle did manage to stand out at this tech show with its eye-catching design. The phone will launch its preorder campaign in the second quarter of this year and interested buyers can nab the phone early for the presale price of $500.
Dimensions: 6.44x3x0.34 inches (163.7x76.1x8.7mm)
3.45-inch LCD screen in diameter with 800x800-pixel resolution
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HP Labor Day sale: Big discounts on laptops, desktops, monitors and more
HP Labor Day sale: Big discounts on laptops, desktops, monitors and more
Celebrate not working on a Monday by cashing in on HP's Labor Day sale. The sale runs until Saturday, Sept. 11, and features discounts on laptops, desktops, monitors and more. We've rounded up the best deals available right now, and we'll update this story as new deals emerge and others sell out. And keep an eye on HP's sale page here for all of its Labor Day deals, some of which are flash sales that last only a few hours.
Read more: Best laptop deals
Best HP laptop deals right now
HP
This compact and stylish 13-inch laptop features a modern, 11th-gen Intel Core i5 CPU and an ample 16GB of RAM. Along with the 11th-gen Intel CPU comes Iris Xe graphics, which are a step ahead of previous-gen integrated graphics. You get 512GB of solid-state storage, which is double what's usually on offer for laptops at this price. The 13.3-inch display is full-HD (1,920x1,080-pixel) resolution.
Sarah Tew/CNET
HP's premium two-in-one convertible boasts a sleek, all-metal enclosure and a display that can rotate 360 degrees into tablet mode. This model features a 15.6-inch touchscreen powered by an 11th-gen Core i7 CPU, 16GB of RAM and Iris Xe graphics.
Sarah Tew/CNET
Looking for a roomy, all-purpose laptop for your home? You won't want to commute too regularly with this 17.3-inch model, but it provides a large display for multitasking and movies. It supplies an 11th-gen Core i7 CPU, 16GB of RAM and Iris Xe graphics. You also get a 512GB SSD along with 32GB of speedy Optane memory.
HP
Creative types and students who might want to play a game or two after their homework is done will like this 15.6-inch Envy model that features an 11th-gen Core i7 CPU and Nvidia GeForce RTX 3050 graphics. The RTX 3050 is the budget model in Nvidia's current GPU lineup that should provide solid 1080p gaming performance as long as you keep quality settings in check.
Best HP desktop deals right now
HP
A current AMD CPU and tons of storage space are the highlights of this discounted desktop. It features the six-core Ryzen 5 5600G CPU, 16GB of RAM and a pair of storage drives: a huge 2TB hard drive and a speedy 256GB SSD. You also get a DVD writer and card reader if you still store stuff on physical disks, and there's room for expansion with two M.2 slots and one PCIe x16 slot.
HP
This stylish and space-saving all-in-one PC features a 23.8-inch, full-HD touchscreen powered by an AMD Ryzen 3 3500U CPU and 16GB of RAM. The processor is budget-level but the ample RAM should allow the system to power through basic tasks and handle a bit of multitasking. It offers plenty of storage with a 1TB hard drive and a 256GB SSD.
Best HP monitor deals right now
HP
I happen to believe that a 27-inch monitor with a 1440p resolution sits right in the sweet spot, providing plenty of screen real estate and a crisp image for a great price. This HP model is a 27-inch panel with a 2,560x1,440-pixel resolution (aka QHD) that's rated for a sufficient 300 nits of brightness. It's an IPS panel, so you can expect wide reviewing angles, and it features AMD FreeSync for smooth, untorn gaming.
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Google Shows What Android 12L for Foldables Will Look Like
Google Shows What Android 12L for Foldables Will Look Like
Google has been talking about improving the foldable and tablet experience with its Android 12L update since last October. On Monday, the company finally provided an update with more tangible details.
In a blog post, the search giant revealed a few of the changes users can look forward to, including a revamped notification shade and a new taskbar. The former will now have its own dedicated column for easier viewing and swiping away of notifications while a new taskbar will allow for more quickly multitasking between multiple apps.
Android 12L's updated notification shade.
Google
In the post, Google gives an example of watching a YouTube video and searching for a hotel in Chrome while simultaneously looking at a location in Google Maps.
The Android maker reiterated that it is working on optimizations in other areas, too, including the home screen, lock screen and settings so that they look better on larger displays.
Despite the company's Android developer page stating that a public release was "planned for early 2022," Google has yet to provide an exact release date for the update. On Monday it said that the new software will be available "starting later this year" with a Google spokeswoman telling CNET that the update will come in the second half of 2022.
In the blog post, Google adds that Android 12L updates are coming to devices from Samsung, Lenovo and Microsoft and that it will "continue to build more features and functionalities to help you make the most of your larger screen devices in Android 13 and beyond."
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Signal, WhatsApp and Telegram: Here's which secure messaging app you should use
Signal, WhatsApp and Telegram: Here's which secure messaging app you should use
If your choice of encrypted messaging app is a toss-up between Signal, Telegram and WhatsApp, do not waste your time with anything but Signal. This isn't about which one has cuter features, more bells and whistles or is the most convenient to use: It's purely about privacy. And if privacy's what you're after, nothing beats Signal.
You probably already know what happened. In a tweet heard 'round the world last January, tech mogul Elon Musk continued his feud with Facebook by advocating people drop its WhatsApp messenger and use Signal instead. Twitter's then-CEO Jack Dorsey retweeted Musk's call. Around the same time, right-wing social network Parler went dark following the Capitol attacks, while political boycotters fled Facebook and Twitter. It was the perfect storm -- the number of new users flocking to Signal and Telegram surged by tens of millions.
Read more: Everything to know about Signal
The jolt also reignited security and privacy scrutiny over messaging apps more widely. Among the top players currently dominating download numbers, there are some commonalities. All are mobile apps available in the Google Play store and App Store that support cross-platform messaging, have group chat features, offer multifactor authentication and can be used to share files and multimedia. They all also provide encryption for texting, voice and video calls.
Signal, Telegram and WhatsApp use end-to-end encryption in some portion of their app, meaning that if an outside party intercepts your texts, they should be scrambled and unreadable. It also means that the exact content of your messages supposedly can't be viewed by employees of those companies when you are communicating with another private user. This prevents law enforcement, your mobile carrier and other snooping entities from being able to read your messages even when they intercept them (which happens more often than you might think).
The privacy and security differences between Signal, Telegram and WhatsApp couldn't be bigger, though. Here's what you need to know about each of them.
Getty/SOPA Images
Does not collect data, only your phone number
Free, no ads, funded by nonprofit Signal Foundation
Fully open-source
Encryption: Signal Protocol
Signal is a typical one-tap install app that can be found in your normal marketplaces like Google Play and Apple's App Store and works just like the usual text-messaging app. It's an open-source development provided free of charge by the nonprofit Signal Foundation and has been famously used for years by high-profile privacy icons like Edward Snowden.
Signal's main function is that it can send -- to either an individual or a group -- fully encrypted text, video, audio and picture messages, after verifying your phone number and letting you independently verify other Signal users' identity. For a deeper dive into the potential pitfalls and limitations of encrypted messaging apps, CNET's Laura Hautala's explainer is a life-saver.
When it comes to privacy, it's hard to beat Signal's offer. It doesn't store your user data. And beyond its encryption prowess, it gives you extended, onscreen privacy options, including app-specific locks, blank notification pop-ups, face-blurring antisurveillance tools and disappearing messages.
Occasional bugs have proven that the tech is far from bulletproof, of course, but the overall arc of Signal's reputation and results have kept it at the top of every privacy-savvy person's list of identity protection tools. The Guardian, The Washington Post, The New York Times (which also recommends WhatsApp) and The Wall Street Journal all recommend using Signal to contact their reporters safely.
For years, the core privacy challenge for Signal lay not in its technology but in its wider adoption. Sending an encrypted Signal message is great, but if your recipient isn't using Signal, then your privacy may be nil. Think of it like the herd immunity created by vaccines, but for your messaging privacy.
Now that Musk's and Dorsey's endorsements have sent a surge of users to get a privacy booster shot, however, that challenge may be a thing of the past.
Getty/NurPhoto
Data linked to you: Name, phone number, contacts, user ID
Free, forthcoming Ad Platform and premium features, funded mainly by founder
Only partially open-source
Encryption: MTProto
Telegram falls somewhere in the middle of the privacy scale, and it stands apart from other messenger apps because of its efforts to create a social network-style environment. While it doesn't collect as much data as WhatsApp, it also doesn't offer encrypted group calls like WhatsApp, nor as much user data privacy and company transparency as Signal. Data collected by Telegram that could be linked to you includes your name, phone number, contact list and user ID.
Telegram also collects your IP address, something else Signal doesn't do. And unlike Signal and WhatsApp, Telegram's one-to-one messages aren't encrypted by default. Rather, you have to turn them on in the app's settings. Telegram group messages also aren't encrypted. Researchers found that while some of Telegram's MTProto encryption scheme was open-source, some portions were not, so it's not completely clear what happens to your texts once they're in Telegram's servers.
Telegram has seen several breaches. Some 42 million Telegram user IDs and phone numbers were exposed in March of 2020, thought to be the work of Iranian government officials. It would be the second massive breach linked to Iran, after 15 million Iranian users were exposed in 2016. A Telegram bug was exploited by Chinese authorities in 2019 during the Hong Kong protests. Then there was the deep-fake bot on Telegram that has been allowed to create forged nudes of women from regular pictures. Most recently, its GPS-enabled feature allowing you to find others near you has created obvious problems for privacy.
I reached out to Telegram to find out whether there were any major security plans in the works for the app, and what its security priorities were after this latest user surge. I'll update this story when I hear back.
Angela Lang/CNET
Data linked to you: Too much to list (see below)
Free; business versions available for free, funded by Facebook
Not open-source, except for encryption
Encryption: Signal Protocol
Let's be clear: There's a difference between security and privacy. Security is about safeguarding your data against unauthorized access, and privacy is about safeguarding your identity regardless of who has access to that data.
On the security front, WhatsApp's encryption is the same as Signal's, and that encryption is secure. But that encryption protocol is one of the few open-source parts of WhatsApp, so we're being asked to trust WhatsApp more than we are Signal. WhatsApp's actual app and other infrastructure have also faced hacks, just as Telegram has.
Jeff Bezos' phone was famously hacked in January of 2020 through a WhatsApp video message. In December of the same year, Texas' attorney general alleged -- though has not proven -- that Facebook and Google struck a back-room deal to reveal WhatsApp message content. A spyware vendor targeted a WhatsApp vulnerability with its software to hack 1,400 devices, resulting in a lawsuit from Facebook. WhatsApp's unencrypted cloud-based backup feature has long been considered a security risk by privacy experts and was one way the FBI got evidence on notorious political fixer Paul Manafort. To top it off, WhatsApp has also become known as a haven for scam artists and malware purveyors over the years (just as Telegram has attracted its own share of platform abuse, detailed above).
Despite the hacks, it's not the security aspect that concerns me about WhatsApp as much as the privacy. I'm not eager for Facebook to have yet another piece of software installed on my phone from which it can cull still more behavioral data via an easy-to-use app with a pretty interface and more security than your regular messenger.
When WhatsApp says it can't view the content of the encrypted messages you send to another WhatsApp user, what is doesn't say is that there's a laundry list of other data that it collects that could be linked to your identity: Your unique device ID, usage and advertising data, purchase history and financial information, physical location, phone number, your contact information and that of your list of contacts, what products you've interacted with, how often you use the app, and how it performs when you do. The list goes on. This is way more than Signal or Telegram.
When I asked the company why users should settle for less data privacy, a WhatsApp spokesperson pointed out that it limits what it does with this user data, and that the data collection only applies to some users. For instance, financial transaction data collection would be relevant only to those WhatsApp users in Brazil, where the service is available.
"We do not share your contacts with Facebook, and we cannot see your shared location," the WhatsApp spokesperson told CNET.
"While most people use WhatsApp just to chat with friends and family, we've also begun to offer the ability for people to chat with businesses to get help or make a purchase, with health authorities to get information about COVID, with domestic violence support agencies, and with fact checkers to provide people with the ability to get accurate information," the spokesperson said. "As we've expanded our services, we continue to protect people's messages and limit the information we collect."
Is WhatsApp more convenient than Signal and Telegram? Yes. Is it prettier? Sure. Is it just as secure? We won't know unless we see more of its source code. But is it more private? Not when it comes to how much data it collects comparatively. For real privacy, I'm sticking with Signal and I recommend you do the same.
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How to finance your solar panels: Cash, loan, lease and more
How to finance your solar panels: Cash, loan, lease and more
Whether you're looking to save money, avoid paying so much to your utility or keep some carbon out of the atmosphere, homeowners are generating their own energy with rooftop solar. By some estimates, 13.4% of homes will have solar panels installed by 2030.
While prices are dropping steadily (though supply chain snags have pushed them up recently), rooftop solar costs thousands of dollars, sometimes tens of thousands. Most people don't have that kind of cash laying around, but there are plenty of options for paying for solar.
Advertiser Disclosure: CNET's corporate partner, SaveOnEnergy, can help you find the right energy fit for your home. The SaveOnEnergy marketplace helps you search, compare, sign up and save on the right energy fit for your home — all for free. If you're interested in solar, answer a few questions to get an exact price quote from our solar advisors.
"Financing has always been an issue," said Roger Horowitz, director of co-ops at Solar United Neighbors, a nonprofit and advocacy group helping people adopt solar in 11 states. Being able to finance solar is often dependent on having a bunch of cash, good credit and owning a home.
This article aims to hit some of the highlights of solar financing, but it should not be taken as financial advice. For that you'll have to find someone more qualified to determine whether going solar makes financial sense for you and how to best pull it off.
Buying solar panels with cash
Arguably the most straightforward way to buy solar panels is with cash, and the benefits are clear. With a cash payment you avoid paying interest and loan fees and don't need a qualifying credit score. As a result, you'll save more money over the life of your solar panels.
You do have to cough up more cash up front, however, so it will take a while before you recoup the money that you've spent. That period of time is called a payback period, and it's a useful piece of information when deciding whether or not paying in cash is a good option for you. The average payback period is eight years in the US, and you can find help calculating your payback period here.
A cash purchase gives you the opportunity to take advantage of the federal solar tax credit. If your solar panels are fully installed through 2022, the US government will give you 26% of the cost back when you file your taxes. In 2023 the credit falls to 22% and will disappear after that, barring new legislation.
That means you could be getting thousands of dollars back, but it also means you don't get that money back until tax time.
Paying cash works best for folks who have a stable cash flow and can absorb such a large one-time payment, said Grant Klein, senior dealer relations specialist at Clean Energy Credit Union.
Buying solar panels with a loan
If you can't afford to pay all at once, solar loans are widely available from a number of sources and in a number of forms, though a poor credit score might disqualify you.
It's increasingly common for solar providers to offer loans, often from a third party. While these loans are easy to apply for, they can have higher fees associated with them than options from a bank or credit union.
"The vast majority of folks that purchase solar that we see end up using loans from their installers," Horowitz said. He pins that apparent preference on how easy it can be to get a loan in that way. However, getting multiple loan proposals (at least two, Horowitz said) can save you significant money.
One such option is a home equity loan or home equity line of credit, where you borrow against the equity of your house (what you could get for selling it minus what you owe on your mortgage). You can borrow up to 85% of that amount, according to the Federal Trade Commission.
You can claim the federal solar tax credit if you purchase solar using a loan, though it comes back to you when you file your taxes, not when you buy your system. Still, it might be useful in paying back the loan.
Solar loans can be secured or unsecured. A secured loan is one that's backed by collateral, like your house or the solar panels themselves. Essentially, you're saying the lender can sell your collateral to pay off the loan if you fail to pay it. Solar loans are most often secured by the solar equipment, Klein said. Home equity loans are secured by the value in your house. Unsecured loans don't have that guarantee backing them up. As a result, secured loans offer lower interest rates and longer terms for paying them back.
With any of these options, it's important to shop around and compare lenders. Again, this article isn't to be considered as financial advice.
Getting help from the government to buy solar panels
Beyond the federal solar tax credit, the federal government (and sometimes your state) can help with a couple of other financing options.
A HomeStyle energy mortgage from Fannie Mae allows you to add the cost of a solar project into your new or refinanced mortgage. The Federal Housing Administration offers similar additions to mortgages. The amount of money you can borrow is determined based on the value of your home.
One of the advantages of an energy efficient mortgage is that you're borrowing money once instead of twice. That means you only pay one set of loan costs and fees, and you can pay it back over 30 years, instead of 10 or 15 as can be the case with other solar loans. This keeps your monthly payment low. Not every lending institution offers loans from these programs and the borrowing process can be complicated.
"They tend to be more complicated, because you need to make so many phone calls to reach the right people," Horowitz said. That can place an extra burden on people who have fewer financial resources, the people the program is meant to help. It's important to work with an institution who knows how to navigate these systems, Horowitz said.
An energy efficient mortgage can be used for other energy saving equipment in addition to solar panels such as new insulation, new windows and doors, smart thermostats or water efficiency improvements. Whatever the upgrade, it must be cost effective, which means it needs to save more money over its lifetime than it costs. For most places in the country, solar panels are sure to satisfy that requirement.
Johner Images/Getty Images
Another option is Property Assessed Clean Energy, which deserves a brief mention despite only being available to residential customers in California, Florida and Missouri. Working with a local PACE office, you can finance your solar panels and pay back the loan over a longer period of time through an additional charge on your taxes. In theory, this makes large purchases more affordable, though early iterations of the program have actually buried some low income homeowners with debt and the possibility of foreclosure. New regulations passed by state legislatures could fix this problem.
Getting solar through a lease or power purchase agreement
If buying solar using cash or a loan is out of reach because of poor credit, lack of cash or some other reason, you still have options. Instead of buying, you can enter into a lease or power purchase agreement with a solar provider. With both options, lumped together as third-party-owned solar, the solar provider owns the panels and you agree to pay for the equipment (via lease) or pay for the power (power purchase agreement), usually at a lower price than you pay your utility.
CNET went into detail on power purchase agreements earlier, but briefly, here's what you need to know.
The biggest benefits to these arrangements are that you don't have to buy solar panels to get solar power. Usually you'll save money on power over the life of your agreement, too. And you won't have to worry about the maintenance of the panels, although maintenance usually isn't a huge burden.
Power purchase agreements usually save you less money than buying panels outright. And, depending on the price of your lease or power purchase agreement and how much your payment increases over time, you could end up saving significantly less. The federal tax credit also goes to the owner of the system, in this case the solar company.
Because these agreements commonly last for 25 years, they work best if you plan to stay in your house long term. Anecdotal reports reveal moving to a house with third-party-owned solar panels can be onerous and expensive. What happens if you move is something you'll want to be sure of before sticking third-party-owned solar panels on your roof.
Also, be aware that third-party ownership of solar panels isn't allowed in every state.
Which solar financing option is best?
Sorry! I'm not giving financial advice here. Before making any decision, make sure you get the advice you need from someone qualified, get multiple offers on solar projects or loans, and make a point of reading all the fine print.
Are there finance options I left out? Others you're curious about? Did you finance solar panels in a way that worked perfectly for you? Reach out via comments and let me know.
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The Xiaomi Mi Band 5 fitness watch just dropped to $36
The Xiaomi Mi Band 5 fitness watch just dropped to $36
The Xiaomi Mi Band 5 is the latest fitness band to bring a wealth of impressive features to your wrist on the cheap. How impressive and how cheap? Let's start with the latter: Walmart has the Xiaomi Mi Band 5 for just $36. That's a couple bucks below the last time I shared this deal and the lowest price I've seen yet. Note that it's being offered via a third-party seller, not Walmart proper.
The Mi Band 5's predecessor, the Mi Band 4, was already a pretty solid product, selling for around the same price and standing toe-to-toe with the pricier Fitbit Inspire HR.
The water-resistant Mi Band 5 features a 1.1-inch color AMOLED display (just slightly larger than the Mi Band 4's), heart rate and oxygen sensors, dozens of animated watch faces, a magnetic charge cord and a 14-day battery.
That battery represents a bit of a downgrade, as the Mi Band 4 was rated for up to 20 days -- though two weeks is still pretty fantastic. The Mi Band 5 adds several new sport modes, however, bringing the total to 11. It also adds menstrual tracking.
Although CNET's US team has yet to do a full-on review of the product, CNET en EspaƱol covered the Mi Band 5 back in August. You can use Google Translate to read an English version of that review. Verdict: "Interesting new features that together with its low price make it a great choice for those who want to start taking care of themselves."
Worth noting: The very similar Amazfit Band 5 is available for $35, and it adds onboard Amazon Alexa and an SpO2 sensor to the mix. I took a detailed look at that model back in November, when it was on sale for $30. (It usually sells for $40-$50, though, so $35 is still a good buy.)
Between the two, I'd probably choose the Amazfit. But you really can't go wrong with either one, especially if you're looking for an inexpensive wrist companion.
If you already own either of these, hit the comments and let me know what you think of it!
First published last year. Updated to reflect new sale price and availability.
CNET's Cheapskate scours the web for great deals on tech products and much more. For the latest deals and updates, follow him on Facebook and Twitter. You can also sign up for deal texts delivered right to your phone. Find more great buys on the CNET Deals page and check out our CNET Coupons page for the latest Walmart discount codes, eBay coupons, Samsung promo codes and even more from hundreds of other online stores. Questions about the Cheapskate blog? Answers live on our FAQ page.