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What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work
What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work
How many times have you added items to your online shopping cart only to balk at the total? While staying within your budget is wise, if you need to make a purchase that you're considering charging or borrowing money for, a "buy now, pay later" service might be a smarter option.
BNPL companies like Affirm, AfterPay, Klarna and PayPal Pay in 4 work by offering you micro installment loans. This loan covers the cost of your purchase right away, and lets you repay the balance over time. These services have gained traction since the pandemic and today AfterPay has more than 16 million active users, followed by Affirm's 8.7 million, most of whom are millennials and Gen Z shoppers.
But what exactly are these installment plans and how are they different from credit cards and personal loans? Here's the breakdown of these alternative financing options and how to use them.
What are installment services?
If you've ever bought a car, a home or an education, you've probably used an installment loan. Installment loans are lump-sum loans that you pay off over a set amount of months or years. For products like cars and homes, they're often funded by well-known banks, like Chase or Wells Fargo.
Mini installment plans from companies like AfterPay and Affirm act like microloans for everyday purchases, like clothes, makeup, electronics and gym equipment (like Peloton). Affirm, for example, also supports unexpected purchases, like car repairs through YourMechanic. But unlike new car or home purchase loans, which you typically pay off over the course of many years, products and services financed through these services are typically paid off in a few weeks or months.
How do they work?
Each online installment plan offers different setups, but the gist is: You buy your item now, select the plan at checkout with a qualifying retailer, create an account and complete your purchase. With Klarna and AfterPay, you get your goods right away and then pay for them over four installment payments: one when you check out and typically every other week or once a month thereafter. Affirm has payment options that usually range from three to 12 months, although some plans have terms as high as 48 months.
For AfterPay, as long as you make your four payments, you won't get charged late fees. Klarna has different payment options and some of them charge interest. Affirm charges 0 to 30% interest depending on your payment plan.
To take advantage of an interest-free installment plan, you need to shop with retailers that support it. Anthropologie, DSW and Fenty Beauty are AfterPay partners, for example. You might see the installment service's logo when you're viewing a product, letting you know the partnership exists and you can select a payment plan at checkout. From there, you'll usually pay the first installment and the next one will come out about two weeks later. Otherwise, the product or service will arrive on time, just like it would if you paid in full at checkout.
You can also shop through each company's app. Affirm, AfterPay, PayPal and Klarna all have apps in the App Store and Google Play that let you shop, monitor your orders and make payments.
While they aren't like traditional loans, they're different from other types of alternative payment methods. For instance:
They aren't credit cards. A credit card is a revolving credit line that you get approved for. You use your card to pay for your purchase in full and then at the end of the billing period you'll pay off your bill or make payments until you pay it off in full. Typically, if you don't pay your balance off at the end of the billing period, interest will accrue, which can be 20% or more. CNET always recommends paying off your credit in full.
They aren't the same as layaway. Layaway is when you agree to pay off an item over the course of a few months and once you've paid it off, you can take it home. Layaway usually requires an upfront deposit and a service fee, and you don't get your goods until you've paid for them in full. Some installment plan companies require an upfront deposit, but you don't have to wait to get your item; you get it right away.
How does an installment service affect my credit score?
When you apply for a loan or a credit card, that hard credit check looks at your credit history to see if you're responsible enough with credit to lend to. With BNPL apps, there's no hard credit inquiry. If the app checks your credit, it'll be a soft credit check, which won't hurt your credit score. The services don't specify the credit score you need to shop with them.
If you aren't diligent with payments, your credit score might be affected. For most micro installment loans, you're required to make payments about every two weeks and in four total installments. So if you don't pay your bill on time, that triggers a late payment for some companies. The three major credit bureaus will get notified and you could see your credit score take a dip. Late payments are one of the biggest factors in determining your credit score, and a drop in that could hurt your chances of borrowing money in the future.
Penalties and fees vary by company. Affirm and PayPal do not charge late fees. AfterPay does, though these fees will not exceed 25% of the purchase amount. Klarna doesn't charge a late fee but if you don't make a payment when it's due, you can be blocked from using the site and app in the future. None of these services charge prepayment fees, so you won't get penalized for repaying your balance sooner.
Should I use BNPL services?
It depends on what kind of shopper you are and your mentality about money. Here are some pros and cons to consider:
Pros
You can buy items and services, even if you can't afford them right away:If you have things you need or want to buy, you're not obligated to pay full price at checkout. Micro installment loans let you pay out your purchase over a few weeks.
You don't need great credit to get approved:Most services do a soft credit check, which won't hurt your credit score . If you don't have great credit or a long credit history, this is a good alternative payment option.
It's simpler than a loan or credit card:If you've had trouble with credit cards or don't like using them, this is an easier method than applying for a credit card or personal loan. You can apply at checkout, whereas if you want a credit card or loan, you'll need to wait a few days before you can use those funds.
Cons
You might believe you're spending less:If you cringe at a $1,000 couch, seeing payments broken up into $250 every other week, for example, tricks you into believing you're paying less for an item. In reality, you're still paying the same amount and you're borrowing money to do it.
You may be charged interest or otherfees: Depending on the service you choose and the repayment plan you select, you could be charged interest. Affirm, for instance, offers interest rates between 0% and 30%. While this interest does not compound like a credit card, spreading payments for that $1,000 couch over 12 months at a 30% interest rate could end up costing you $169.76 in interest alone.
You might not get approved for the full amount: Your credit score may not preclude you from getting approved for a BNPL loan, but it's still a factor when determining your loan amount and interest rate (if applicable). That means, there's a chance you might not get approved for the full amount you're requesting.
It's still a loan:Remember you're still taking out a loan, even if you pay it off sooner than you would a traditional loan. Not paying on time could result in interest fees, late payment fees or not being able to use the service in the future.
While the convenience of delayed payment sounds appealing as a way to get something now, you're still on the hook for paying your bill in full. If you need something now but can't afford it, micro installment loans might be a good idea. But if you don't think you'll be able to afford payments, you may want to consider another payment method or waiting until you have cash on hand to make your purchase.
Correction, April 30: Affirm has 8.7 million users, more than we previously quoted. It also has repayment options ranging from three to 12 months, a shorter period than previously listed. Clarified that AfterPay does not charge late fees as long as you make four payments.
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What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work
What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work
How many times have you added items to your online shopping cart only to balk at the total? While staying within your budget is wise, if you need to make a purchase that you're considering charging or borrowing money for, a "buy now, pay later" service might be a smarter option.
BNPL companies like Affirm, AfterPay, Klarna and PayPal Pay in 4 work by offering you micro installment loans. This loan covers the cost of your purchase right away, and lets you repay the balance over time. These services have gained traction since the pandemic and today AfterPay has more than 16 million active users, followed by Affirm's 8.7 million, most of whom are millennials and Gen Z shoppers.
But what exactly are these installment plans and how are they different from credit cards and personal loans? Here's the breakdown of these alternative financing options and how to use them.
What are installment services?
If you've ever bought a car, a home or an education, you've probably used an installment loan. Installment loans are lump-sum loans that you pay off over a set amount of months or years. For products like cars and homes, they're often funded by well-known banks, like Chase or Wells Fargo.
Mini installment plans from companies like AfterPay and Affirm act like microloans for everyday purchases, like clothes, makeup, electronics and gym equipment (like Peloton). Affirm, for example, also supports unexpected purchases, like car repairs through YourMechanic. But unlike new car or home purchase loans, which you typically pay off over the course of many years, products and services financed through these services are typically paid off in a few weeks or months.
How do they work?
Each online installment plan offers different setups, but the gist is: You buy your item now, select the plan at checkout with a qualifying retailer, create an account and complete your purchase. With Klarna and AfterPay, you get your goods right away and then pay for them over four installment payments: one when you check out and typically every other week or once a month thereafter. Affirm has payment options that usually range from three to 12 months, although some plans have terms as high as 48 months.
For AfterPay, as long as you make your four payments, you won't get charged late fees. Klarna has different payment options and some of them charge interest. Affirm charges 0 to 30% interest depending on your payment plan.
To take advantage of an interest-free installment plan, you need to shop with retailers that support it. Anthropologie, DSW and Fenty Beauty are AfterPay partners, for example. You might see the installment service's logo when you're viewing a product, letting you know the partnership exists and you can select a payment plan at checkout. From there, you'll usually pay the first installment and the next one will come out about two weeks later. Otherwise, the product or service will arrive on time, just like it would if you paid in full at checkout.
You can also shop through each company's app. Affirm, AfterPay, PayPal and Klarna all have apps in the App Store and Google Play that let you shop, monitor your orders and make payments.
While they aren't like traditional loans, they're different from other types of alternative payment methods. For instance:
They aren't credit cards. A credit card is a revolving credit line that you get approved for. You use your card to pay for your purchase in full and then at the end of the billing period you'll pay off your bill or make payments until you pay it off in full. Typically, if you don't pay your balance off at the end of the billing period, interest will accrue, which can be 20% or more. CNET always recommends paying off your credit in full.
They aren't the same as layaway. Layaway is when you agree to pay off an item over the course of a few months and once you've paid it off, you can take it home. Layaway usually requires an upfront deposit and a service fee, and you don't get your goods until you've paid for them in full. Some installment plan companies require an upfront deposit, but you don't have to wait to get your item; you get it right away.
How does an installment service affect my credit score?
When you apply for a loan or a credit card, that hard credit check looks at your credit history to see if you're responsible enough with credit to lend to. With BNPL apps, there's no hard credit inquiry. If the app checks your credit, it'll be a soft credit check, which won't hurt your credit score. The services don't specify the credit score you need to shop with them.
If you aren't diligent with payments, your credit score might be affected. For most micro installment loans, you're required to make payments about every two weeks and in four total installments. So if you don't pay your bill on time, that triggers a late payment for some companies. The three major credit bureaus will get notified and you could see your credit score take a dip. Late payments are one of the biggest factors in determining your credit score, and a drop in that could hurt your chances of borrowing money in the future.
Penalties and fees vary by company. Affirm and PayPal do not charge late fees. AfterPay does, though these fees will not exceed 25% of the purchase amount. Klarna doesn't charge a late fee but if you don't make a payment when it's due, you can be blocked from using the site and app in the future. None of these services charge prepayment fees, so you won't get penalized for repaying your balance sooner.
Should I use BNPL services?
It depends on what kind of shopper you are and your mentality about money. Here are some pros and cons to consider:
Pros
You can buy items and services, even if you can't afford them right away:If you have things you need or want to buy, you're not obligated to pay full price at checkout. Micro installment loans let you pay out your purchase over a few weeks.
You don't need great credit to get approved:Most services do a soft credit check, which won't hurt your credit score . If you don't have great credit or a long credit history, this is a good alternative payment option.
It's simpler than a loan or credit card:If you've had trouble with credit cards or don't like using them, this is an easier method than applying for a credit card or personal loan. You can apply at checkout, whereas if you want a credit card or loan, you'll need to wait a few days before you can use those funds.
Cons
You might believe you're spending less:If you cringe at a $1,000 couch, seeing payments broken up into $250 every other week, for example, tricks you into believing you're paying less for an item. In reality, you're still paying the same amount and you're borrowing money to do it.
You may be charged interest or otherfees: Depending on the service you choose and the repayment plan you select, you could be charged interest. Affirm, for instance, offers interest rates between 0% and 30%. While this interest does not compound like a credit card, spreading payments for that $1,000 couch over 12 months at a 30% interest rate could end up costing you $169.76 in interest alone.
You might not get approved for the full amount: Your credit score may not preclude you from getting approved for a BNPL loan, but it's still a factor when determining your loan amount and interest rate (if applicable). That means, there's a chance you might not get approved for the full amount you're requesting.
It's still a loan:Remember you're still taking out a loan, even if you pay it off sooner than you would a traditional loan. Not paying on time could result in interest fees, late payment fees or not being able to use the service in the future.
While the convenience of delayed payment sounds appealing as a way to get something now, you're still on the hook for paying your bill in full. If you need something now but can't afford it, micro installment loans might be a good idea. But if you don't think you'll be able to afford payments, you may want to consider another payment method or waiting until you have cash on hand to make your purchase.
Correction, April 30: Affirm has 8.7 million users, more than we previously quoted. It also has repayment options ranging from three to 12 months, a shorter period than previously listed. Clarified that AfterPay does not charge late fees as long as you make four payments.
Elden Ring Boss Guide: How To beat Margit, Godrick, Radahn, and more
Elden Ring Boss Guide: How To beat Margit, Godrick, Radahn, and more
Elden Ring is out and like every other Souls-like game there are times when you confront a major foe who will put your survival skills to the test.
Elden Ring has the largest roster of bosses and secret encounters of any Souls-style game to date, and people are quickly figuring out how unforgiving these bad guys can be. So with that, we're offering a quick rundown of general tips to know when facing these bosses. Along with that, a guide on defeating some of the first major bosses of the game.
Check back with us in the coming days as we'll be adding more guides and tips on overcoming the big bads of The Lands Between.
General Boss tips
Learn Their Patterns
While every boss can be daunting, they each have a pattern that they follow rigorously. The most important thing you can learn when fighting enemies is how they move and what behaviors they follow. This knowledge can be a bit tough to learn, especially when you have swords and magic spells being hurled at your face. But once you do, you'll get a sense of how a boss' attacks work and what you can do to overcome them.
Don't Rely on Rolling Too Much
Rolling in Elden Ring is vital to every battle, but it's easy to abuse it. The move gives players a small window of invincibility on any attack, so it appears that spamming it would be the right answer to whatever scenario. Do not do this. FromSoftware purposely makes enemies' attacks reach a certain distance for when you roll. Bosses also have multiple quick and delayed attacks to throw off the timing of your rolls. Keep that in mind even in the heat of the battle.
If you need to roll, especially for boss battles, try rolling toward the boss. It sounds counterintuitive but the way FromSoftware designs boss attacks, going toward the boss helps you evade, as the expectation is for you to roll away. If there's one attack constantly hitting you when you roll away, that's when you need to roll forward.
Being Greedy is Dangerous
We know the feeling you can get when a particular foe gets caught in a vulnerable spot, and you want to keep attacking them. However, it's important not to be greedy in those moments. Before you know it, a boss can quickly recover and send you flying with a powerful counterattack. Always be mindful of the time it takes to attack. It's often better to go in for a couple of quick hits and back away to safety, even if there's time for another set of blows.
Make Sure to Use Your Summons
As players progress through the game, they'll receive more summons. These spirits can be somewhat weak and do minimal damage, but they distract the boss. These assists provide a small respite from the battle, allowing you to heal or set up a powerful charge or jumping attack. Calling on a summon should be the first thing players should do in a boss battle.
For the boss fights of legacy dungeons, there is usually a summon right next to the golden fog gate. Keep an eye out for an orange symbol on the ground as these fighters are powerful and can help you tremendously in these hard battles. You might need to find these NPCs within the dungeon before they will help.
Finish The Fight, Later
FromSoftware always finds ways to catch you off guard. An example is the Tree Sentinel, a big brute of a boss, in the game's first area. It's a powerful foe that can kill you in two hits. This encounter may give you the impression that you have to beat him at this moment, but trust us when we say that is not the case. You'll inevitably come across some foes that will knock you out in a quick fashion. While you can certainly try and figure a way to beat them, you're often better off just taking the hint and doing something better with your time. You can always come back later once you're stronger and get some revenge -- and those moments are always satisfying.
Now let's take a look at some specific bosses...
Margit, The Fell Omen
Margit, the Fell Omen can be a daunting foe to face in your first hours with the game.
From Software / Namco Bandai Games
This encounter is likely the first major boss you'll face in Elden Ring and they will certainly put you through your paces. The battle against Margit is, above all, a test of your dodging, attack skills and patience during a fight. Despite its size, Margit is highly mobile and can easily close the distance to land some hits on you if you aren't careful. The boss primarily uses their staff as a close-range weapon, striking with three-hit combo attacks and a harder two-handed blow that can drop your stamina fast if you try to block it. Margit will throw magic daggers at a distance at a range, and it's best to avoid them by dodging.
The best way to strike Margit is to hit them once they've finished performing their attacks. By looking at their attack patterns, you can have a window of opportunity to hit them with quick strikes. It's always better to stick and move rather than lay into them with a series of long combos. Go for brief 2-3 hits and then move away to avoid their follow-up attacks. And unless you have decent strength and endurance for your character, it's always better to roll out of the way of its attacks. Though if you have a shield with parry sub-ability -- and you're willing to take a risk -- you can stun Margit with a well-timed parry. However, if you miss the timing, you leave yourself open to a devastating attack.
Once you clear half its health, Margit enters a second phase where they'll pull out a massive hammer. While their patterns are still similar, Margit's extra aggression makes for a more tense fight. The best thing to do is stay composed and look at their patterns to find an opening. And always stick with dodging as opposed to blocking. If you try to block their hammer, you will lose your stamina and open yourself up for attack. Remember to stick and move, and keep your attacks brief when fighting Margit, and you will eventually defeat them.
If you're still struggling, another option to make the fight slightly easier: Visit the Murkerwater Cave dungeon, north of the Dragon Burnt Ruins. Inside the case, you'll encounter a boss named Patches, a recurring character from previous FromSoftware games. If you spare his life after he yields in combat, he will open up his inventory for purchase. One item he sells is Margit's Shackle, which will stun the boss during its first phase only, allowing you to go in for a series of strikes. This is a great way to overcome Margit if you need extra help with the fight
Godrick The Grafted
The battle against Godrick will be a real test of patience and resolve. It'd be best to bring in some back up for him.
FromSoftware / Namco Bandai Games
If you make it through Stormveil Castle, then you've already picked up skills and tactics when it comes to overcoming foes. However, the battle with Godrick is, by far, the biggest hurdle you'll need to overcome. As the first demi-god you'll fight, this fallen ruler of Stormveil Castle will pull out all the stops to take you out. Much like Margit, Godrick is speedy despite his size. But unlike Margit, Godrick has a larger arsenal of weapons and skills to use.
Before this fight, one thing you can do to make it easier is to summon an AI character. Nepheli, a traveling warrior, is someone you'll first meet in the Roundtable Hold, and you can find her again in Stormveil Castle near Godrick's location. If you speak with her, she will help you during the battle. Just outside the door to Godrick, you can see her summon sign. It's recommended you call in an assist in this fight, as having a backup will be a big help.
Like the previous fight, you'll need to watch Godrick's patterns to avoid their strikes. One attack to watch out for is a 360-degree wind attack that will encompass the immediate area of Godrick, damaging you and other allies if you stay close. It's important to watch for his tells and avoid his attacks once he gets them ready. It would be best to try to be more aggressive in this battle. Godrick has a lot of health, so playing it safe too long can exhaust you and resources, leading to a sudden defeat. Still, don't be greedy with your attacks.
During his 2nd phase, he'll take a more desperate tactic and graft the head of a dragon onto his arm and use it to attack you. This upgrade for him not only adds a new melee attack to his arsenal, but he can also use his new arm for breathing fire on you, which does considerable damage if you get hit. During this phase, the best thing to do is to keep a medium distance away from him, avoid his area of effect attacks, and then run to his blind spots when he pulls out the dragon head to breathe fire. The flames will only go in front of him, so running up to his side or behind him will protect you while also leaving him vulnerable for extended periods.
One of the important lessons this fight will impact is the importance of placement and position in a fight. Along with being a narrow bridge, the area also has a set of stairs on both sides. The elevation change can prove to be an advantage, as some of Godrick's attacks can miss you entirely if you get the high ground above him or below him. If you can be mindful of his attacks while also keeping your positional advantage, then you will be able to overcome Godrick with patience and a steady rhythm of attacks.
Red Wolf of Radagon
The battle with Red Wolf of Radagon will test if you can handle a foe adept at magic and close ranged combat.
FromSoftware / Namco Bandai Games
The battle with Red Wolf can be tough, due to how aggressive it is with close-range attacks and its set of long-range magic attacks. Like other major bosses, the Red Wolf is highly mobile, and uses that to its advantage with its attacks. Its deadliest attacks, by far, are the magic missiles, which are homing attacks that will tear right through your defenses and health. The Red Wolf also has a regular habit of priming up its magic spells and then using melee attacks to close the distance, adding further pressure on you. It can be tough to manage, and you'll likely face a quick death during your first attempts.
Thankfully, the Red Wolf doesn't have a second phase, so you'll see most of its patterns and tricks during the first couple minutes of the fight. The important thing to figure out is that the Red Wolf is very aggressive. Yet, that aggression can be used against it. Once it finishes attacking, it will leave itself vulnerable to counterattacks. Given the frequency of its attacks, you'll have plenty of opportunities to go in for quick hits -- provided you dodge its attacks without fail. Don't bother chasing after it; keep your distance and let it come to you. Once it has finished its attacks, strike it and back away. Keep this up for the remainder of the battle, and you will eventually come out on top.
Rennala, Queen of the Full Moon
Rennala is an incredibly powerful magic user, and can easily vaporize your character with her spells.
FromSoftware / Namco Bandai Games
The two-phased fight against magic-wielding Rennala is a bizarre one, but it's still a challenging fight. Unlike other bosses, Rennala likes to keep her distance, use spells, and summon monsters to tear through you. She'll start off with having her academy students fight for her, but once the battle continues, she'll take matters into her own hands -- and that's where things can quickly go south.
The first phase taking place in the library is a strange one. As you can see in the center of the room, Rennala is suspended in the air and it's impossible to reach her. The only way to bring her down is to find three different glowing gold students. They're hidden in the library, so you'll have to run through the area to search for them. Once you destroy three students, Rennala will fall to the ground in the center of the room, opening her up for attack. She won't stay down for long, though. Once enough damage has been done, she'll come back up, forcing you to repeat the previous steps. The biggest dangers in this phase of the fight is the magic that sends furniture hurling towards you, along with some devastating spells that will turn Renalla's students into missiles. The best thing to do is dodge through these attacks while searching for glowing students. After you deal enough damage, Renalla will then get serious.
This second phase is where the fight gets more dangerous. Rennala is an adept mage, and she'll keep her distance away from you while she sends out devastating magic attacks. Many of her spells are homing, which means you'll need to be extra careful when dodging and running towards to close the distance. Also, she'll call in help from her plethora of summoned monsters, many of which are common foes you've fought through the game thus far. These additional enemies are ultimately a distraction. If you focus too much on them, Renalla will snipe at you with her spells, spelling a quick defeat. If you die during this phase, you'll have to repeat the first one again.
The best way to defeat Renalla is to take note from previous bosses and be aggressive. While Renalla has some spells that push you away, she is very weak at close range and easily staggered with attacks. If you are a spellcaster, the best thing to do is to dodge her spells and then cast your own in quick succession. The key to winning this fight is to not hesitate and land your attacks when you see a window of opportunity. If you can keep it up, then you'll defeat Renalla in no time.
Godfrey, First Elden Lord
Roll forwards, not backwards!
From Software
Godfrey is the first required boss in Leyndell. He's a big golden brute with a giant axe. Luckily, his attacks, while powerful, are somewhat typical for a boss.
A good way to start off the fight is with a summon. If you haven't yet, visit the Fringefolk Hero's Grave, which is at the very start of the game behind a fog wall. Complete the dungeon and you'll receive Banished Knight Oleg who is a more powerful summon that can take quite a few hits from bosses.
As for strategy, the key to his Godfrey fight is to roll forwards, not backwards. Godfrey makes use of his giant axe to reach you as you roll back. If you see him winding up, it's like he's getting ready for a long-reaching attack which is when you want to roll forward. He'll also use this attack when you're backpedaling while trying to heal.
If there's an attack you want to be aware of it's his stomp. It comes out quickly and will stun just enough to combo into an axe swing if you don't move. If you see a stomp coming, try to use a shield to block the attack instead of rolling away since it can still catch you.
You'll want to attack when you roll forward into those long axe attacks and when you roll away from his jumping pound attack. In both cases, he takes an extra couple of seconds to reset himself leaving him open to attacks.
Morgott, The Omen King
If Margit gave you nightmares, Morgott is going to haunt you while you're awake. The Omen King is going to be the toughest challenge you've faced so far unless you have gained a substantial number of levels. Even then, this is far from an easy fight.
The good news is that you have an orange summon available right outside the golden fog: Melina. If you don't see her symbol, use a Furlcalling Finger Remedy to reveal it. She's going to be vital for the fight as she can heal you while also dealing and taking damage. You'll also be able to use one of your own ash summons, but it's best to save that for the second phase.
What's important in this battle is speed. Do not attempt long combos against Morgott. Their attacks are so quick, can do multiple hits and will be delayed in order to throw your timing off. What you want is to get in, do a quick jumping attack and run away. This is where having Melina helps because as soon as she becomes targeted, you can get a few more hits in as well as a jumping attack.
In this fight, rolling back is more ideal as Morgott doesn't have long reaching attacks. If you're far away, they can throw some daggers or a lance that can be easily blocked or dodge. If you see swords floating above, that's a big area-of-effect attack and you want to roll back and avoid any areas where they land.
Phase 2 starts when Morgott's health gets about halfway. They'll lean over and start coughing. This is your sign to run away because a big blast is about to happen. If you're clear, it's time to for an ash summon in order to get another target for Morgott.
In the second phase, Morgott does the same attacks, but whenever an attack is missed, a puddle of liquid will be left that will erupt a few seconds after so make sure to avoid them. Aside from that, keep the same strategy of jumping in for quick attacks and then getting out of range. Keep this up and Morgott will go down.
Starscourge Radahn
The battle with Radahn is one of Elden Ring's most bizarre and epic boss fights. Come in prepared.
FromSoftware / Bandai Namco Games
While not required to complete the main story, this battle against Starscoruge Radahn is one of Elden Ring's most epic boss encounters, and it's one you'll likely find yourself walking into unintentionally. Located just off from Redmane Castle in the Caelid region, the battle with Radahn will see you face off against a towering foe who wields a ludicrous amount of power. Along with that, you'll call in many support characters to help you in battle. It's truly a one-of-a-kind fight, but it's also quite unforgiving. One wrong move against Radahn can result in a quick and brutal defeat.
What makes this battle so difficult is that is Radahn's attack power and range are so high that he can easily kill you within seconds of the fight beginning. He wields a magic-infused bow and twin great swords that can tear through your defenses. Right at the beginning, you'll need to close the distance on Radahn while also taking the time to summon allies to the fight. During this part of the fight, he'll try to pick you off with his arrows, and they deal considerable damage. You'll need to stick with cover, using the piles of old weapons as a shield, and close the distance to Radahn. You'll need to jump on Torrent and begin your attack from here.
This battle has two phases, and you'll need to pick your moments to attack Radahn and make a quick exit to avoid his strikes. For more of a detailed breakdown of the battle against Radahn, check out deeper guide that details the fight and the best strategies you'll need to beat him.
What happens if you missed tax deadline what happens when you miss tax deadline missed tax filing deadline missed quarterly tax deadline missed tax deadline i missed the tax deadline 2021 missed tax deadline you missed the meeting you missed the joke you missed a spot you missed me meme you missed the starting gun
You Missed the Tax Deadline. Now What Should You Do?
You Missed the Tax Deadline. Now What Should You Do?
This story is part of Taxes 2022, CNET's coverage of the best tax software and everything else you need to get your return filed quickly, accurately and on-time.
Yesterday was the federal tax deadline for almost everyone in the US. (Massachusetts and Maine, you've still got today to finish.) If you didn't electronically file your tax return or have a paper return postmarked by midnight April 18, your taxes are now technically late.
There are plenty of reasons why people might not be able to finish and file their tax returns by the deadline -- missing tax info, medical emergencies, family troubles, unexpected travel… you know, life.
Yes, you should have filed a tax extension. But what to do now that your tax return is late? Whether you owe taxes or are expecting a tax refund, the answer is simple -- complete and file your 2021 tax return as soon as possible.
However, if you owe money, your situation becomes more urgent. The longer you wait to file your tax return and show the IRS you intend to pay what you owe, the more penalties and interest may pile up.
Read on to learn more about how to handle a late tax payment, including information on penalties, interest and payment plans. For more, find the best software for filing your tax return and learn how to track your refund to your bank account or mailbox after you do.
What if I'm late and I am expecting a tax refund for 2021?
If you're expecting money back from the IRS from your 2021 tax return, there are no penalties for filing late. In fact, you have three years to file your 2021 tax return before the IRS turns your tax refund over to the Treasury and your money is gone forever.
Your tax refund might be slightly delayed by filing late, but you should still expect to receive your money in four to six weeks.
You could be making good use of the money the IRS owes you, and the longer you wait to file your taxes, the more you lose out. Whether you use your tax refund to pay down a credit card debt, start an emergency fund, make investments or even just treat yourself to a nice dinner or vacation (depending on your refund amount), you want your money as soon as possible. Letting the IRS keep your tax refund longer only deprives you of possible interest and spending power.
What if I missed the deadline and I owe money on my taxes?
If you missed the tax deadline, didn't file an extension and you owe taxes, you need to hurry up and finish your return as soon as possible and send it in. Not filing taxes when you owe money to the IRS can incur both late filing penalties and late payment penalties.
What are the fees and penalties for filing taxes late?
There are two basic penalties that the IRS charges for filing taxes late when you owe money: a failure-to-file penalty and a failure-to-pay penalty. On top of that, you'll also pay interest on the amount you owe.
The failure-to-file penalty hurts the most. It's generally 5% of the amount you owe for each month or part of a month that your return is late, with a maximum penalty of 25%. If your return is more than 60 days late, the minimum penalty is $435 or the balance of your taxes due, if less than that.
The failure-to-pay penalty will also cost you money, but not nearly as much -- a big reason to file an extension on time even if you can't pay anything. This penalty is usually calculated at 0.5% of any taxes owed that aren't paid by the deadline. The IRS again charges the penalty for each month or part of a month that your payment is late, with a maximum 25% penalty total.
The IRS also charges interest on late taxes. Determined by adding 3% to the short-term federal interest rate, the IRS interest rate is currently 4%. That rate is adjusted quarterly, and interest is compounded daily.
Can I file an extension past the tax deadline?
Unfortunately, no. Tax extensions provide taxpayers six additional months to complete their tax returns, but they must be filed by the tax deadline. Taxpayers filing extensions must also include the estimated amount of money that they owe using IRS Form 1040-ES. Online tax software can also quickly calculate your estimated taxes.
If your deadline has passed, it's too late to file an extension.
What if I filed an extension on time?
Well done. You've got until Oct. 15, 2022, to file your tax return if you filed a tax extension by the April 18 deadline. As long as you paid an estimated amount that's close to what you owe, you won't be subject to fines or penalties if you file your return and pay any remaining tax liability by Oct. 15.
If you didn't pay enough money with your tax extension, you may be subject to the late payment penalty. The IRS expects your estimated payment to be at least 90% of your total tax liability. The agency may charge a 0.5% per month penalty on the amount of unpaid taxes if you paid less than that, so you should still complete your tax return and file it as soon as possible.
What if I can't afford to pay the taxes I owe?
Owing taxes that you don't have the money to pay can be incredibly stressful. However, you can take action now that will lighten both your financial and psychological burdens.
Consider an IRS payment plan. If you can pay off your tax debt within 180 days, the IRS will let you apply for a short-term payment plan that costs nothing, although you'll still accrue penalties and interest until your debt is paid off. It's easy to apply online or at a local IRS office.
If you need more than 180 days, you can apply for a long-term payment plan that costs $31 for automatic monthly bank payments via direct debit, or $130 for non-direct debit payments. Low-income taxpayers -- those with adjusted gross incomes at or below 250% of the federal poverty guidelines -- can waive the fee for the direct-debit installment plan or pay $43 for the non-direct debit plan.
You might consider other borrowing options outside of the IRS. If your tax liability isn't too high, you could use a credit card with a 0% intro APR to pay your taxes, assuming you can pay off that debt before the intro period expires. For larger tax debts, you could consider a debt-consolidation loan, though your rate will generally be higher than the 4% currently charged by the IRS.
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How to get your drone license (and legally make money)
How to get your drone license (and legally make money)
Aerial photography. Real estate tours. Drone burrito delivery.
Imagine the money you could make (and fun you could have!) if you flew for profit.
Sadly, drone businesses aren't legal in the United States unless the government makes an exception for you -- or unless you get your own drone license under the FAA's brand-new rules.
Starting Monday, August 29, you can apply for your very own license by passing a multiple-choice test and paying a small fee. No experience necessary!
What, you mean I can't just sell my drone photos already?
Nope! You could get fined $1,100 (or more) for operating your unmanned aerial system (UAS) for business purposes without FAA approval.
What is a Remote Pilot Certificate?
It's the official name for the drone license I've been talking about. With it, you can legally fly drones with intention of making a profit -- either by selling the footage, delivering goods and everything in between. You still have to follow a lot of restrictions when you fly...but more on those in a bit.
Prosumer camera drones like the popular DJI Phantom start at around $500 -- but the sky's the limit on price.
Joshua Goldman/CNET
What if I'm just flying for fun?
You don't need the certificate...but you do still need to register your drone if it weighs over half a pound (0.55lb to be precise).
Oh, but if you're a drone racer -- weaving through obstacles with a nifty set of first-person-view glasses on your head -- you'll still need that Remote Pilot Certificate. At least that's what the FAA tells Forbes.
OK, I want to make money. What do I need to get my license?
Be at least 16 years old
Have a valid government-issued picture ID with your name, address and signature
Make an appointment to take the knowledge test at a test center near you
Pay $150 to the testing firm
Study
Pass the test
Wait up to 48 hours for your test score to get uploaded
Apply for your Remote Pilot Certificate (using the code from your successful test as proof)
Complete a TSA background check
Print out a temporary Remote Pilot Certificate (while you wait for the real one to be delivered by mail)
Register your drone (maybe do this first?) and start flying!
OK, that does sound like a lot. Let's break it down.
How do I get an appointment for a Remote Pilot Certificate?
You need to call, email or submit an online request form with one of the two companies supervising the test -- not the test center.
CATS (Computer Assisted Testing Service):
1-800-947-4228, then press 3 (Monday to Friday, 5:30 a.m. PT to 5 p.m. PT, Saturday to Sunday 7 a.m. PT to 3:30 p.m. PT)
Online registration and payment (CATS calls you back within 24 hours to schedule)
PSI (formerly LaserGrade):
1-800-211-2753, then press 1 twice (Monday to Friday, 5 a.m. PT to 5 p.m. PT, Saturday 5 a.m. PT to 2 p.m. PT)
examschedule@psionline.com (PSI replies within two business hours)
Online request form (PSI replies within two business hours)
According to testing centers we called, CATS and PSI handle pretty much everything, including assigning you a test center and accepting your $150 payment.
The DJI Phantom 4 taking flight.
CNET
How long is the waiting list?
In the San Francisco Bay Area, it's not too bad as of August 26. One testing center told us they were booked for two weeks, another said they had openings later in the week.
Is there a testing center near me?
Probably! There are 686 of them across the United States. Check for yourself in the FAA's full, official list of test centers (PDF).
You'll need to call CATS or PSI to get your appointment, though. While the FAA's website says you can just walk in, testing centers in the San Francisco Bay Area told us we needed to arrange everything with CATS or PSI first.
How hard is the test?
You get two hours to answer 60 multiple-choice questions, and you only need to answer 70 percent of them correctly to pass! (You can totally miss 18 questions and still succeed.)
But these aren't exactly easy questions. You'll probably need to study.
Oh yeah? How hard can the questions be?
While monitoring the Cooperstown CTAF you hear an aircraft announce that they are midfield left downwind to RWY 13. Where would the aircraft be relative to the runway? (Refer to FAA-CT-8080-2G, Figure 26, area 2.)
A. The aircraft is East.
B. The aircraft is South.
C. The aircraft is West.
That's just one of the FAA's sample questions. Find more here (PDF).
What's the best way to prepare for the test?
The FAA actually offers a free two-hour training course (register here first) to get you up to speed, plus an 87-page study guide (PDF).
But you may need more help than that, because the FAA's course materials don't explain some of the simplest concepts in plain English.
For instance, would you believe you can answer the sample question above without looking at a map? I didn't figure it out until I found this third-party study guide by drone manufacturer 3DR.
I passed the test! Where do I apply for the actual certificate?
Register here first (pick Applicant) and fill out your personal information. (You can ignore the Airman Certificate Number and Date of Issuance fields)
Log into the site using your new username and password
Apply for the certificate here; pick Pilot from the first dropdown menu, then click on the Remote Pilot certification
If you get lost, here's a complete set of instructions.
The Yuneeq Typhoon H drone.
Joshua Goldman/CNET
Now that I've got my certificate, I can fly anywhere, anytime, yes?
Not so much -- as you'll see when you study, there are a lot of rules (PDF) about when and where you can fly your drone.
Unless you get a 107 waiver (and you need to apply for those months in advance), you can't fly:
At night
Over people
Higher than 400 feet (unless you're within 400 feet of a building; skyscraper climbing is OK)
Further away than you can see with your naked eye
At speeds over 100 miles per hour
From a moving vehicle (or inside a covered stationary vehicle)
Within five miles of an airport -- unless you clear it with air traffic control using this tool at the FAA's website.
Also, you need to register your drone (if it weighs between 0.55 and 55 pounds), do pre-flight checks before you fly and report any accidents that hurt people or do $500 worth of damage to property.
What if my drone weighs more than 55 pounds?
You can't do it with a drone license, or even a 107 waiver. Only a 333 exemption (which are hard to get, can take a long time and generally require a real pilot's license to fly) can let you pilot something that heavy.
What if my company already has a Section 333 Exemption?
Lucky you! But in many cases, you can't actually fly a drone for profit under the 333 unless you're a certified pilot. The Remote Pilot Certificate is another option.
What if I've already got a pilot's license?
If you want your Remote Pilot Certificate, you can actually skip the knowledge test and take the online training course instead. You'll still need to fill out a form, make an in-person appointment and have completed a flight review within the last two years, so it's not necessarily any easier.
Here's a step-by-step guide for existing pilots.
Could I really start a drone burrito delivery service?
Yes, the FAA says package delivery is OK -- but it'd be tough! Particularly given the rule about needing to keep the drone within eyesight, and the one about drones needing to weigh 55 pounds or less. It'd probably be easier to just hand someone their food.
How about a journalist covering breaking news stories?
That could be tough, too. You can't fly over people without a waiver, and the FAA says those will take months. But if you're not reporting live, or not directly over people... the FAA says media companies can do it.
What if I have awesome video goggles and a camera on the drone? Do I really need to watch it with my actual eyes?
Someone needs to: either you, or a second person who can act as a visual observer. Them's the rules!
Which drone should I buy?
If you've never flown before, buy a toy drone. Not kidding -- you'll learn the basic motor skills without any risk of hurting people or turning a $1,000+ aerial camera into scrap. Then, pick one of our top-rated prosumer drones that matches your needs and budget.
Is that it?
So far, so good...but there's still a lot to think about. Maybe you'll want to insure your drone against damage, and yourself against liability? You'll definitely want to practice flying and camera skills, and you'll need to figure out how to convince potential clients that you're right for the job.
Lastly, know that your Remote Pilot Certificate is only good for two years. You'll need to pass another knowledge test once that's done.
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How to get your drone license (and legally make money)
How to get your drone license (and legally make money)
Aerial photography. Real estate tours. Drone burrito delivery.
Imagine the money you could make (and fun you could have!) if you flew for profit.
Sadly, drone businesses aren't legal in the United States unless the government makes an exception for you -- or unless you get your own drone license under the FAA's brand-new rules.
Starting Monday, August 29, you can apply for your very own license by passing a multiple-choice test and paying a small fee. No experience necessary!
What, you mean I can't just sell my drone photos already?
Nope! You could get fined $1,100 (or more) for operating your unmanned aerial system (UAS) for business purposes without FAA approval.
What is a Remote Pilot Certificate?
It's the official name for the drone license I've been talking about. With it, you can legally fly drones with intention of making a profit -- either by selling the footage, delivering goods and everything in between. You still have to follow a lot of restrictions when you fly...but more on those in a bit.
Prosumer camera drones like the popular DJI Phantom start at around $500 -- but the sky's the limit on price.
Joshua Goldman/CNET
What if I'm just flying for fun?
You don't need the certificate...but you do still need to register your drone if it weighs over half a pound (0.55lb to be precise).
Oh, but if you're a drone racer -- weaving through obstacles with a nifty set of first-person-view glasses on your head -- you'll still need that Remote Pilot Certificate. At least that's what the FAA tells Forbes.
OK, I want to make money. What do I need to get my license?
Be at least 16 years old
Have a valid government-issued picture ID with your name, address and signature
Make an appointment to take the knowledge test at a test center near you
Pay $150 to the testing firm
Study
Pass the test
Wait up to 48 hours for your test score to get uploaded
Apply for your Remote Pilot Certificate (using the code from your successful test as proof)
Complete a TSA background check
Print out a temporary Remote Pilot Certificate (while you wait for the real one to be delivered by mail)
Register your drone (maybe do this first?) and start flying!
OK, that does sound like a lot. Let's break it down.
How do I get an appointment for a Remote Pilot Certificate?
You need to call, email or submit an online request form with one of the two companies supervising the test -- not the test center.
CATS (Computer Assisted Testing Service):
1-800-947-4228, then press 3 (Monday to Friday, 5:30 a.m. PT to 5 p.m. PT, Saturday to Sunday 7 a.m. PT to 3:30 p.m. PT)
Online registration and payment (CATS calls you back within 24 hours to schedule)
PSI (formerly LaserGrade):
1-800-211-2753, then press 1 twice (Monday to Friday, 5 a.m. PT to 5 p.m. PT, Saturday 5 a.m. PT to 2 p.m. PT)
examschedule@psionline.com (PSI replies within two business hours)
Online request form (PSI replies within two business hours)
According to testing centers we called, CATS and PSI handle pretty much everything, including assigning you a test center and accepting your $150 payment.
The DJI Phantom 4 taking flight.
CNET
How long is the waiting list?
In the San Francisco Bay Area, it's not too bad as of August 26. One testing center told us they were booked for two weeks, another said they had openings later in the week.
Is there a testing center near me?
Probably! There are 686 of them across the United States. Check for yourself in the FAA's full, official list of test centers (PDF).
You'll need to call CATS or PSI to get your appointment, though. While the FAA's website says you can just walk in, testing centers in the San Francisco Bay Area told us we needed to arrange everything with CATS or PSI first.
How hard is the test?
You get two hours to answer 60 multiple-choice questions, and you only need to answer 70 percent of them correctly to pass! (You can totally miss 18 questions and still succeed.)
But these aren't exactly easy questions. You'll probably need to study.
Oh yeah? How hard can the questions be?
While monitoring the Cooperstown CTAF you hear an aircraft announce that they are midfield left downwind to RWY 13. Where would the aircraft be relative to the runway? (Refer to FAA-CT-8080-2G, Figure 26, area 2.)
A. The aircraft is East.
B. The aircraft is South.
C. The aircraft is West.
That's just one of the FAA's sample questions. Find more here (PDF).
What's the best way to prepare for the test?
The FAA actually offers a free two-hour training course (register here first) to get you up to speed, plus an 87-page study guide (PDF).
But you may need more help than that, because the FAA's course materials don't explain some of the simplest concepts in plain English.
For instance, would you believe you can answer the sample question above without looking at a map? I didn't figure it out until I found this third-party study guide by drone manufacturer 3DR.
I passed the test! Where do I apply for the actual certificate?
Register here first (pick Applicant) and fill out your personal information. (You can ignore the Airman Certificate Number and Date of Issuance fields)
Log into the site using your new username and password
Apply for the certificate here; pick Pilot from the first dropdown menu, then click on the Remote Pilot certification
If you get lost, here's a complete set of instructions.
The Yuneeq Typhoon H drone.
Joshua Goldman/CNET
Now that I've got my certificate, I can fly anywhere, anytime, yes?
Not so much -- as you'll see when you study, there are a lot of rules (PDF) about when and where you can fly your drone.
Unless you get a 107 waiver (and you need to apply for those months in advance), you can't fly:
At night
Over people
Higher than 400 feet (unless you're within 400 feet of a building; skyscraper climbing is OK)
Further away than you can see with your naked eye
At speeds over 100 miles per hour
From a moving vehicle (or inside a covered stationary vehicle)
Within five miles of an airport -- unless you clear it with air traffic control using this tool at the FAA's website.
Also, you need to register your drone (if it weighs between 0.55 and 55 pounds), do pre-flight checks before you fly and report any accidents that hurt people or do $500 worth of damage to property.
What if my drone weighs more than 55 pounds?
You can't do it with a drone license, or even a 107 waiver. Only a 333 exemption (which are hard to get, can take a long time and generally require a real pilot's license to fly) can let you pilot something that heavy.
What if my company already has a Section 333 Exemption?
Lucky you! But in many cases, you can't actually fly a drone for profit under the 333 unless you're a certified pilot. The Remote Pilot Certificate is another option.
What if I've already got a pilot's license?
If you want your Remote Pilot Certificate, you can actually skip the knowledge test and take the online training course instead. You'll still need to fill out a form, make an in-person appointment and have completed a flight review within the last two years, so it's not necessarily any easier.
Here's a step-by-step guide for existing pilots.
Could I really start a drone burrito delivery service?
Yes, the FAA says package delivery is OK -- but it'd be tough! Particularly given the rule about needing to keep the drone within eyesight, and the one about drones needing to weigh 55 pounds or less. It'd probably be easier to just hand someone their food.
How about a journalist covering breaking news stories?
That could be tough, too. You can't fly over people without a waiver, and the FAA says those will take months. But if you're not reporting live, or not directly over people... the FAA says media companies can do it.
What if I have awesome video goggles and a camera on the drone? Do I really need to watch it with my actual eyes?
Someone needs to: either you, or a second person who can act as a visual observer. Them's the rules!
Which drone should I buy?
If you've never flown before, buy a toy drone. Not kidding -- you'll learn the basic motor skills without any risk of hurting people or turning a $1,000+ aerial camera into scrap. Then, pick one of our top-rated prosumer drones that matches your needs and budget.
Is that it?
So far, so good...but there's still a lot to think about. Maybe you'll want to insure your drone against damage, and yourself against liability? You'll definitely want to practice flying and camera skills, and you'll need to figure out how to convince potential clients that you're right for the job.
Lastly, know that your Remote Pilot Certificate is only good for two years. You'll need to pass another knowledge test once that's done.
