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

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

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

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

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

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

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

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

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

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

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

The TikTok bubble effect

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

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

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

What's so scary about twee?

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

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

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

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

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

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

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

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

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

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

Do we need to worry about this?

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

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

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

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

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

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

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

---

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

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

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

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

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

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

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

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

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

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

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

The TikTok bubble effect

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

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

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

What's so scary about twee?

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

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

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

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

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

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

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

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

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

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

Do we need to worry about this?

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

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

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

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

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

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

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

---

Source

What Is Home Equity?

What is home equity loan what is home equity investment what is home equity brainly what is home equity what is homecoming what is home care what is home equity line of credit what is my ip what is my ip address what is monkeypox what is api what is my mmr

What Is Home Equity?

Most homeowners now have more equity in their homes than they did two years ago, thanks to surging home values during the pandemic. That means right now is a good time to consider tapping into your home equity if you're looking to borrow money at a lower interest rate than you might get with other types of loans such as personal loans. Home equity is the difference between what you owe on your mortgage and the current market value of your home.

You build equity in your home by consistently making mortgage payments over the years. Equity is valuable because it allows you to borrow money against your home at lower interest rates than other types of financing. Once you have enough equity built up in your home, lenders and banks will allow you to borrow against it. Some of the most common reasons to borrow against your equity are to pay for life expenses such as home improvements, higher education costs such as tuition, or to pay off high-interest credit card debt.

Most lenders want to see that you've built up at least 15% to 20% in equity in order to let you borrow money against your house in the form of refinancing or other kinds of home equity loans. One of the simplest ways to ensure you have a good chunk of equity in your home is to make a large down payment if you are able to. 

For a typical homeowner with a 30-year fixed-rate mortgage, building up 15% to 20% usually takes about 5 to 10 years. Even if you paid less for your home when you bought it years ago, your equity is based on the present-day value of your house. If, for example, your home is currently worth $500,000 and you have $400,000 left to pay on your mortgage, you would have $100,000 of equity in your home.

Here's what you need to know about home equity, what it is, how to calculate it and why it's important to homeowners. 

How do you calculate home equity?

To calculate your home equity, simply subtract your remaining mortgage balance from the current market value of your home. So if you owe $400,000 on your mortgage and your house is worth $500,000, you have $100,000, or 20% equity in your home. You may need to work with an appraiser or real estate agent in order to get an accurate evaluation of your home's fair market value, especially since home values have risen by record-breaking amounts since the beginning of the pandemic. 

Ways to borrow against home equity 

There are various ways to access the equity in your home. Some of the most common equity financing options are home equity loans, home equity lines of credit (or HELOCs) and reverse mortgages. It's important, however, to keep in mind that all of these options require you to put up your home as collateral to secure the loan, so it's critical to understand that there's a risk of losing your home to foreclosure if you miss payments or default on your loan for any reason. 

Home equity loan

A home equity loan lets you borrow money against the equity you've built in your home and provides you with a lump sum of cash at a fixed interest rate. Lenders typically want to see that you have at least 15% to 20% in your home to approve you for a home equity loan. A home equity loan doesn't replace your mortgage like a refinance, rather, it's an entirely new loan that you'll repay monthly along with your existing mortgage payment. But just like a mortgage, with a home equity loan, your interest rate never changes and your monthly payments are fixed, too.

HELOCs

A home equity line of credit, or HELOC, is a type of loan that lets you borrow against the equity you've built up in your home and functions like a credit card. It provides you with an open line of credit that you can access for a certain amount of time, typically 10 years, followed by a set repayment period, which is usually 20 years. Lenders also generally want you to have at least 15% to 20% in your home for HELOC approval. With a HELOC, you don't have to take all of your funds out at once, and you can withdraw money repeatedly from your HELOC over the 10-year period, once previously borrowed sums are paid back.

"A HELOC offers more flexibility than a home equity loan -- you can't withdraw money from a home equity loan like you can with a HELOC, and a HELOC allows you to receive replenished funds as you pay your outstanding balance," said Robert Heck, VP of Mortgage at Morty, an online mortgage marketplace.

HELOCs have variable interest rates however, so it's important to make sure you can afford higher monthly payments if your rate goes up once your introductory interest rate expires, especially in the current economic climate. 

Reverse mortgage  

You must be 62 years or older to access a reverse mortgage and have either paid off your home or have significant equity accumulated, usually at least 50%. With a reverse mortgage, you do not have to make monthly mortgage payments and the bank or lender actually makes payments to you. You must still pay your property taxes and homeowners insurance and continue to live in the house, however. A reverse mortgage allows you to access the equity in your home and not pay back the funds for an extended period of time while using them for other expenses during retirement. It's important to keep in mind that you are building a mortgage balance back up as you borrow against your equity, and your estate will eventually have to pay off your loan. A common way to repay this loan is to sell your house. 

The bottom line

Unlocking the equity in your home can be a valuable way to access financing to cover other life expenses. It's important to understand the differences between the kinds of equity loans available to secure the best one for your particular financial situation. When comparing ways to access equity, always take into account the interest rate, additional lender costs and fees, and the size of the loan and how it will be disbursed to you, as well as the amount of time you have to pay it back, before you enter into an agreement to borrow against the equity in your home. 

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What is net metering and how does it work what is net metering in solar energy what is net income what is net force what is title 42 what is rsv what is my ip what is normal blood pressure

What Is Net Metering and How Does It Work?

What Is Net Metering and How Does It Work?

If you're interested in setting up solar panels at your home, you've likely run into a number of new concepts when it comes to how utilities handle the electricity you'll generate. Perhaps you've run into the term "net metering" otherwise known as "net energy metering" or NEM, a concept unique to commercial and residential areas that generate their own electricity. 

With solar panels, you can generate enough energy to provide electricity to your home and, sometimes, more than you can use or store. When that happens, you can sell that excess electricity to the utility company to distribute elsewhere along the power grid. That process is known as net metering.

How does net metering work?

In states that offer net metering (check here to see if your state qualifies), you can sell your excess solar energy back to your utility company in exchange for credits that offset the cost of your energy usage. You may generate excess solar power when it is clear and sunny out, but see less energy than is necessary to power your home when it is cloudy or rainy. By selling your excess energy back to the utility grid, you'll be able to use the credit to cover the cost for any electricity you need to use. You end up paying only for the "net" energy, or the difference between how much you sold and actually used.

The types of net metering

There are three different models of net metering, and which one is available to you may depend on your state and your utility provider.

Net metering

Net metering is the most common arrangement, and works by selling any surplus power generated by your solar panels to the utility operator in exchange for credits, which offset any electricity you may need to use from the grid. The credit is applied at the retail rate, which means the rate that you pay for electricity. Only one meter is required to track this, though your meter may need to be upgraded when you go solar.

Buy all/sell all

The buy all/sell all model works by selling 100% of the energy that your solar panels generate to the utility company. It is sold at wholesale price, which is cheaper for the purchases. In exchange, you get 100% of your home's energy from the utility company, which you pay the retail rate to use. This requires two separate meters, and you will pay the difference -- if any -- between the amount generated and the amount consumed. It's important to note that under this model, you do not directly consume any of the energy your solar panels generate.

Net billing

Much like net metering, the net billing model allows you to use the electricity generated by your solar panels and sell the excess to the utility company at retail price. Unlike the net metering model, though, you cannot bank credits for future billing cycles. This arrangement is more common for commercial situations than residential ones. 

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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. 

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What to consider when it comes to net metering types

In some cases you won't have a choice when it comes to the type of net energy metering arrangement, as utility companies may only offer one option. However, if you can choose, you'll want to keep in mind a couple things.

Net metering is the most common option for a reason: it's the simplest to understand. You get credits for energy sold and those credits are at retail price, meaning they are paid at the same rate that you pay for your electricity. That makes the math simple.

However, that doesn't mean it's the best deal available to you. If you're in a situation where you expect to generate a lot of electricity -- a region where it is sunny most of the time and there isn't much rain or cloud cover to interfere with your panels -- a buy all/sell all option may work better. While you'll be selling at a wholesale rate, meaning it is a lower rate for you since you are acting as a provider, you'll also be selling much more than you otherwise would. All of your solar power generation will be monetized, as opposed to just the excess.

You should also keep in mind other fees associated with net metering. For instance, you may have to pay a connection fee. This is a monthly expense that you pay for connecting to the utility company's grid. It typically isn't much, between $10-20 per month, but it is an expense to keep in mind.

No matter what arrangement ends up working best for you, net energy metering a great way to get the most out of your solar panels. Not only does it allow you to power your own house or pay for your full electricity use, but it also allows you to monetize your energy generation and let others make use of it.

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Is the Crypto Market Bouncing Back? Here's What You Need to Know

Is the Crypto Market Bouncing Back? Here's What You Need to Know

This story is part of Power Money Moves, CNET's coverage of smart money decisions for today's changing world.

In July, the cryptocurrency market bounced back to a $1 trillion market capitalization (the total dollar market value of crypto today) for the first time in recent months. But while the market looks healthier than just a couple of weeks ago, it's still far from last November's peak, which reached $3 trillion. In an economy with high inflation and recession risks looming, is crypto still a worthy investment?

After bullish highs in 2021, cryptocurrency dropped to pessimistic lows this year, tumbling into bear market territory which investors are dubbing another "crypto winter." The $2 trillion crypto market crash wiped out investor gains, cost thousands of people their jobs and obliterated once staple digital currencies, including the crypto token luna, which lost all of its value following stablecointerraUSD's collapse in May. 

While crypto is starting to trend upward, volatile highs and lows are nothing new in the crypto markets -- and skeptics have long characterized crypto as an empty bubble destined to burst. Critics have called bitcoin, stablecoins and NFTs simply a new digital version of an old con primed to swindle and scam. But investors see the world of digital coinage as a step forward, a kind of "Money 2.0" that will democratize finance and power the metaverse. Amid the seesawing prices and teetering sentiments, one thing hasn't changed: Cryptocurrency remains controversial, risky and wildly volatile. 

Read more: The World's Biggest NFT Festival vs. the Crypto Crash of 2022

In simple terms, cryptocurrency is a digital token, ownership of which is recorded on a blockchain, a distributed software ledger that no one controls. This is designed to make it more secure, in theory. bitcoin and ethereum are the two most widely known cryptocurrencies, but more than 18,000 tokens are traded under different names (dogecoin is one famous example). 

Despite gyrating prices and a relative lack of regulation, cryptocurrency is seen by many as the next financial frontier. Developments like President Joe Biden's desire to explore a digital US dollar to multimillion-dollar Super Bowl ads underscore a growing desire from powerful government and corporate institutions to quickly legitimize crypto in much the same way as stocks and bonds.

But it's worth considering whether cryptocurrency is a smart investment for you... especially in light of the current downturn and the ever-present potential for a major crash (in crypto and the US economy, generally).

"Cryptocurrency is one of those categories of investing that doesn't have those traditional investor protections," said Gerri Walsh, senior vice president of investor education at the Financial Industry Regulatory Authority. "They're outside the realm of securities trading. It's an area that's in flux, as far as regulations go."

Professionals caution that investors shouldn't put more than they can afford to lose into crypto, which offers few safeguards, plenty of pitfalls and a spotty track record. If you're thinking about adding crypto to your portfolio, here are five key questions to consider before you begin.

What are the risks of investing in crypto?

Before investing in crypto, you should know there's almost no protection for crypto investors. And since this virtual currency is extremely volatile and driven by hype, that's a problem. It's easy to get caught up in tweets, TikToks and YouTube videos touting the latest coin -- but the adrenaline rush of a market spike can easily be washed away with a dramatic crash.

You should be on the lookout for crypto scams. One often-used scheme is a pump and dump, in which scammers encourage people to buy a certain token, causing its value to rise. When it does, the scammers sell out, often pushing the price down for everyone else. These scams are prominent, and they took in more than $2.8 billion in crypto in 2021.

From the US government's current policy perspective, you're on your own. At this time, the government provides no deposit protection for crypto as it does for bank accounts. This may change following Biden's March executive order, which directed government agencies to investigate the risks and potential benefits of digital assets.

So far as we can tell, only one company offers crypto insurance: Breach Insurance, with a Crypto Shield offering that promises to cover your accounts from hacks. Other companies, such as Coincover, provide theft protection, which alerts you if there's suspicious activity on your account. Coincover maintains an insurance-backed guarantee that if its technology fails, it will pay you back up to the amount you're eligible for, which depends on the level of protection the wallet you use offers. (Neither Coincover nor Breach Insurance will cover you against scams.)

Despite all the hype, scams, periodic crashes (and persistent risks) in this market, Cesare Fracassi, who runs the Blockchain Initiative at the University of Texas, Austin, still thinks crypto has a viable future.

"I think crypto holds a possible solution to some of the problems of the traditional financial sector," Fracassi said. "The current, traditional financial system is noninclusive, it's slow and expensive and incumbents, including large banks and financial institutions, basically have a lot of control. I think crypto is a venue through which you can actually break the system."

How do I start investing in cryptocurrency?

If you're considering buying crypto now, as prices have dipped, it's worth noting that there's no guarantee the market will recover. But the simplest way to get your feet wet with crypto investments is to use US dollars to buy a cryptocurrency using a popular exchange like Coinbase, Binance or FTX. A handful of well-known payment apps — including Venmo, PayPal and Cash App — will let you buy and sell cryptocurrency, though they generally have limited functionality and higher fees. 

Whether you're using Coinbase, Binance, Venmo or PayPal, you'll be required to provide some sensitive personal and financial information... including an official form of identification. (So much for bitcoin's reputation for anonymous transactions.) 

Once your account is set up, it's simple to transfer money into it from your bank. And the barrier to entry is quite low: The minimum trade amount is $2 on Coinbase and $15 on Binance.

Read more: Best Bitcoin and Crypto Wallets for 2022

What percentage of my portfolio should be in crypto?

Crypto is so new, there isn't enough data yet to decide how much of your portfolio "should" be in cryptocurrency, according to Fracassi.

"We need decades of returns in order to understand whether a specific asset is good in a portfolio," Fracassi said. "We know that on average stocks return about 6% more than bonds. That's because we've had 60 to 100 years to see the average returns on stocks and bonds."

Like all investment decisions, how much you pour into crypto will depend on your risk tolerance. But investment professionals suggest that investors keep their exposure low, even for those who are all in on the technology. Anjali Jariwala, a certified financial planner and founder of Fit Advisors, recommends that clients allocate no more than 3% of their portfolio to crypto.

If I make money on crypto trades, do I have to pay taxes?

Yes. Whether you're buying, selling or exchanging crypto, the IRS wants to know about it. Your tax liability depends on your particular situation, but crypto investments are broadly treated like other investments, including stocks and bonds. 

You don't need to report crypto on your tax return if you didn't sell or exchange it for another type of crypto. Buying and holding also doesn't need to be reported. If you did sell or exchange crypto, though, you'll need to report any gains or losses realized, just like you would for stocks and bonds. 

Adding crypto trades won't make your tax return any easier. But popular tax software like TurboTax, CoinTracker and Koinly now connect with wallets and exchanges to automatically track your cryptocurrency holdings, sales and transfers.

Is there a way to learn about crypto without investing in the currencies themselves?

Buying tokens is the most straightforward approach to experimenting with cryptocurrencies. But other opportunities exist for exploring the crypto world while potentially protecting your money from seesawing swings. 

Here are a handful of alternatives:

Buy shares of crypto companies. Many companies in the crypto space are publicly traded. Buying shares of Coinbase Global or PayPal Holdings rather than of the coin itself allows you to benefit from the business proceeds of these companies, which are in part generated by crypto. You can also buy shares of companies that make crypto-related hardware, such as Nvidia and AMD.

Invest in crypto ETFs or derivatives.Specialized exchange-traded funds, or ETFs, are available for crypto. ETFs are baskets of securities, such as stocks, commodities and bonds, that follow an index or sector, in this case, crypto. Futures and options are also available for some crypto products, though these advanced types of investment vehicles come with their risks.

Get a job in crypto.LinkedIn, Indeed and Monster list thousands of jobs in crypto. Whether you've got a traditional finance background or you're a software engineer, there's a boom in the blockchain labor market. There's also Cryptocurrency Jobs, a job board dedicated to blockchain careers.

Whether you'll plunge into crypto waters is ultimately up to you, but bear in mind it isn't the only place to start your investing journey. And beyond crypto, there are other digital assets to consider, too, including NFTs. But if you do take the plunge, be sure to invest in a good wallet to keep your digital currency safe.

Read more: Air Travel Is More Expensive in 2022: Here Are Smart Ways to Save Money When You Fly 

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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Home Equity Loan Rates for September 2022

Home Equity Loan Rates for September 2022

With record-breaking home appreciation seen throughout the pandemic, most homeowners have more equity in their homes now compared to two years ago. If you need access to funds for a renovation project, education expenses or even debt consolidation, tapping into your home's equity could provide you with a lower-rate financing option. A home equity loan, which lets you borrow money against the equity you've built in your home, provides you with a lump sum of cash at a fixed interest rate. 

Home equity loans may be particularly appealing in the current economic climate. Mortgage rates overall have gone up more than 2% since the beginning of the year. Even though rates recently dipped as the Federal Reserve increased its benchmark interest rate for the fourth time this year in an attempt to combat rising inflation, home equity loans still tend to offer lower interest rates than other types of loans. That's a significant benefit for anyone looking for financing at a time when it's uncertain how much rates will fluctuate moving forward. 

This type of financing may make sense if you own a home and have at least 15% to 20% of equity built up in your home. Unlike a home equity line of credit, or HELOC, you'll receive the sum of the loan upfront in one lump payment if you're approved.

A home equity loan is a lower interest rate financing option, but it's not without risk. When you secure a home equity loan, your home acts as collateral, which means you could lose your home if you're unable to repay what you borrowed. It's important to carefully consider whether a home equity loan is right for you before applying for financing.

Here's everything you should know about home equity loans, how they work, who they're best for and how they compare to other loan options.

What is a home equity loan?

A home equity loan offers you a lump sum of cash you borrow against the equity built in your house. Tapping into your home's equity means you are borrowing against the mortgage payments you've already made -- it won't replace your existing mortgage payment -- it's a new loan that you'll repay monthly, along with your existing home loan.

Most lenders require you to have 15% to 20% of equity in your home to secure a home equity loan. To figure out how much equity you have, subtract your remaining mortgage balance from the value of your home. For example, if you have a $500,000 mortgage and you owe $350,000 on it, you have $150,000 in equity. To figure out the percentage, divide this number ($150,000) by your home's value ($500,000) and you'll see you have 30% equity available in your home. Lenders will typically let you borrow around 80% to 85% of your home's equity for a home equity loan. So, in this case, you could borrow up to $120,000 to $127,500. 

A standard repayment period for a home equity loan is between five to 30 years for a home equity loan. You make fixed-rate payments that never change, which means even if interest rates go up, your loan rate is locked in. 

Current home equity loan rate trends

One of the benefits of home equity loans is that they typically have lower interest rates than personal loans or credit cards. Right now, borrowers with good credit and sufficient equity can secure home equity loans with interest rates as low as 3%, according to Bankrate, which is owned by the same parent company as CNET.

One potential downside of a home equity loan is that if your property value goes down for any reason, you could end up underwater on your loan. This happens when the balance of your loan becomes higher than the value of your home. That's what happened to millions of Americans during the 2008 financial crisis. Right now, there's less risk of your home's value decreasing below your home equity loan amount, though. Home prices have appreciated as much as 20% in some metro areas across the US over the last two years, and it seems unlikely that they will go down in a significant way anytime soon.

Pros of a home equity loan 

• Fixed-rate payments: Your monthly payment will never change even if interest rates rise.
• One lump sum of cash: You receive the entire loan upfront in one disbursement.
• Low interest rates: It has a lower interest rate than other types of personal loans or credit cards. 
• Tax deductible interest: If you use it for home renovations, you can deduct the interest from your taxes. 
  

 Cons of a home equity loan 

• Using your home as collateral: If you fail to make your payments or default on your loan, your lender can foreclose and take ownership of your house.
• Can take longer to receive the funds: It can take more time to receive a home equity loan than a personal loan, for example. 
• Closing costs are expensive: Closing costs can range anywhere from 2% to 5% of the loan. 
• Your home's value could decrease after receiving your loan: Although home values are not expected to decrease significantly any time soon, if your home's value were to drop below your home equity loan amount, you would have what is known as negative equity. Negative equity means you owe more than your home is worth. So, if you were to sell your home, you likely would not receive enough money from a seller to pay off your loan balance.

Home equity loans vs. HELOC

Home equity loans and home equity lines of credit, or HELOCs, are similar, but have a few key distinctions. Both let you draw on your home's equity and require you to use your home as collateral to secure your loan. The two major differences between a home equity loan and a HELOC are the way you receive the money and how you pay it back. 

A home equity loan gives you the money all at once as a lump sum, whereas a HELOC lets you take money out in installments over a long period of time, typically ten years. Home equity loans have fixed-rate payments that will never go up, but most HELOCs have variable interest rates that rise and fall with the economy and overall interest-rate trends. 

A home equity loan is better if:

• You want a fixed-rate payment: Your monthly payment will never change even if interest rates rise.
• You want one lump sum of money: You receive the entire loan upfront with a home equity loan.
• You know the exact amount of money you need: If you know the amount you need and don't expect it to change, a home equity loan likely makes more sense than a HELOC.

A HELOC is better if:

• You need money over a long period of time: You can take the money as you need it and only pay interest on the amounts you withdraw, not the full loan amount, as is the case with a home equity loan.
• You want a low introductory interest rate: Although HELOC rates may increase over time, they also typically offer lower introductory interest rates than home equity loans. So, you could save money on interest charges.

Home equity loans vs. cash-out refinances

A cash-out refinance is when you replace your existing mortgage with a new mortgage, typically to secure a lower interest rate and more favorable terms. Unlike a traditional refinance, though, you take out a new mortgage for the home's entire value -- not just the amount you owe on your mortgage. You then receive the equity you've already paid off in your home as a cash payout. 

For example, if your home is worth $450,000 and you owe $250,000 on your loan, you would refinance for the entire $450,000, rather than the amount you owe on your mortgage. Your new cash-out refinance home loan would replace your existing mortgage, and then offer you a portion of the equity you built (in this case $200,000) as a cash payout. 

Both a cash-out refi and a home equity loan will provide you with a lump sum of cash that you'll repay in fixed amounts over a specific time period, but they have some important differences. A cash-out refinance replaces your current mortgage payment. When you receive a lump sum of cash from a cash-out refi, it is added back onto the balance of your new mortgage, usually causing your monthly payment to increase. A home equity loan is different -- it does not replace your existing mortgage and instead adds an additional monthly payment to your expenses. 

A home equity loan is better if:

• You do not want to pay private mortgage insurance: Some cash-out refinances require PMI, which can add hundreds of dollars to your payments, but home equity loans do not.
• You can't complete a refinance: With rates rising, it's possible that your mortgage rate is lower than current refinance rates. If that's the case, it likely won't make financial sense for you to refinance. Instead, you can use a home equity loan to only take out the money you need, rather than replacing your entire mortgage with a higher interest rate loan.  

A cash-out refinance is better if:

• Refinance rates are lower than your current mortgage rate: If you can secure a lower interest rate by refinancing, this could save you money in interest, while providing access to a lump sum of cash. 
• You only want one monthly payment: The amount you borrow gets added back to the balance of your mortgage so you only make one payment to your lender every month.
• Less stringent eligibility requirements: If you don't have great credit or you have a high debt-to-income ratio, you may have an easier time qualifying for a cash-out refi compared to a home equity loan. 
• Lower interest rates: Cash-out refinances sometimes offer more favorable interest rates than home equity loans.

FAQs

What is a good home equity loan rate?

Right now, lenders are offering rates that start as low as around 3% for borrowers with good credit, but rates vary depending on your personal financial situation. A lender will base your interest rate on how much equity you have in your home, your credit score, income level and other aspects of your financial life such as your debt-to-income ratio, which is calculated by dividing your monthly debts by your gross monthly income. 

How do I qualify for a home equity loan?

You are typically required to have at least 15% to 20% equity built up in your home to qualify for a home equity loan. You must also have enough income and a low-enough debt-to-income ratio to qualify -- lenders usually want to see a DTI of 43% or below. Lenders also like to see a minimum credit score of at least 620. Generally speaking, if your credit score is below 700 there is a possibility that a lender will deny you for a home equity loan. The better your credit, the better your chances of being approved for a loan with a low interest rate. 

What can I use a home equity loan for?

Home equity loans can be used for anything you choose to spend the money on. Typical life expenses that people usually take out home equity loans to cover are expenditures like home renovations, higher education costs like tuition or to pay off high-interest debt like credit card debt. There's a bonus for home improvements: If you use a home equity loan for renovations, the interest is tax deductible.

You can also use a home equity loan in an emergency situation or for life events like weddings. But keep in mind that whatever you chose to use a loan for, taking out a large sum of money that accrues interest is an expensive choice you should always carefully consider – especially since you're using your home as collateral to secure the loan. If you can't pay it back, the lender could seize your home to repay your debt.

How do I apply for a home equity loan?

Applying for a home equity loan is similar to applying for a mortgage. You need to qualify with a lender or bank who is willing to lend you the money. First, the lender will first want to make sure you have at least 15% to 20% equity in your home. If you do, the lender will take into account your credit score (lenders usually like to see a minimum score of 620), your income and your current debt-to-income ratio to determine whether you qualify and what your interest rate will be. You should be prepared to have financial documents like pay stubs and W2s in order, as well as proof of ownership and proof of the appraised value of your home. It's important to interview multiple lenders to determine which lender can offer you the lowest rates and fees.

More mortgage tools and resources

You can use CNET's mortgage calculator to help you determine how much house you can afford. The CNET mortgage calculator factors in variables such as the size of your down payment, home price and interest rate to help you understand how much of a difference even a slight increase in rates can make in the amount of interest you'll pay over the lifetime of your loan.

More mortgage rates:

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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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Here's How a Digital Detox Will Benefit Your Mental Health

Here's How a Digital Detox Will Benefit Your Mental Health

We go about our day-to-day lives attached to our phones. They wake us up in the morning, and we check our emails and social media as soon as we open our eyes. We spend a big chunk of the day glued to a screen, be it a computer, laptop or phone. In fact, nearly half of smartphone users in the US say they can't imagine life without their phones.

According to a February 2021 survey, 46% of respondents said they spend an average of 5 to 6 hours a day on their phones for non-work-related use. Another study conducted by the US Bureau of Labor Statistics revealed that, on average, Americans spend around 3 hours a day watching TV. 

It's safe to say that we've become heavily dependent on our phones for pretty much everything. But, how is the use of technology affecting our mental health? And what can we do to offset that dependency?

Many have turned to digital detoxes as a way to disconnect from technology. Research links digital detoxes to the improvement of depression symptoms, among other mental health benefits. Ready to try a digital detox? Here's what you need to know.

Morsa Images/Getty

What is a digital detox?

A digital detox is when you completely abstain or intentionally reduce your time using electronic devices like smartphones, computers, TVs and tablets. The idea of a digital detox is to disconnect from the online world to focus more on the present moment without distractions. The most common things people avoid during a digital detox include:

• Emails
  
• Text messages
  
• Video games
  
• Watching TV
  
• Smartphones, tablets, laptops and computers
  

What is a social media detox?

Like a digital detox, a social media detox is when someone refrains from engaging with or using social media for a period of time or indefinitely to improve their mental health and well-being. It's one of the most popular forms of digital detox.

A quantitative study conducted on college students who underwent social media detoxes that lasted from one to seven days found that most students reported positive changes in mood, better productivity, improved sleep and reduced anxiety.

Another study published in the Journal of Social and Clinical Psychology found that limiting social media to 30 minutes a day can significantly improve one's overall well-being.

How social media affects mental health

There's no denying we benefit a lot from social media. Platforms like Facebook, Instagram, Twitter and TikTok keep us connected to friends and family while also serving as an outlet to find inspiring people. However, the constant comparison, fear of missing out and highly curated content we're exposed to on social media can come with some drawbacks.

A 2020 systematic review linked social media to detrimental effects on the mental health of its users. The same study found that those people's levels of anxiety and depression are affected by social media envy -- being envious of someone else's life as perceived on social media.

"Time spent scrolling through social media has the potential to promote unreasonable expectations as we see influencers posting an often filtered and edited version of their seemingly perfect lives. This can trigger feelings that others are having more fun or living better lives than you are, potentially causing a negative impact on your mental health. The increasing popularity of photo filters has also been linked to poor self-esteem and self-image as we manipulate our photos to change our reality online," says Myra Altman, who holds a PhD and is VP of Clinical Care at Modern Health. 

Georgijevic/Getty

Benefits of a digital detox

There may be personal reasons to consider a digital detox. It could be that you feel like technology is a distraction, or you just need some time away from the stressors of the online world. Whatever the reason may be, you are sure to see many benefits from taking a break from technology.

Here are some of the most common benefits of a digital detox.

Reduced anxiety and depression

According to a recent study published in the journal Cyberpsychology, Behavior and Social Networking, a social media break of just a week can reduce anxiety and depression. The same study found causal evidence that even short breaks from social media can positively impact a person's overall well-being, life satisfaction and emotions.

Enhanced focus and increased productivity

This one should come as no surprise. When we are free from distractions, we allow ourselves to be more present. Mindless scrolling on social media, checking notifications on your phone and feeling the urge to reply immediately to emails are time consumers. When we set aside distractions, we allow more time to focus on our responsibilities. 

Improved sleep

Disconnecting from electronic devices a few hours before going to sleep can significantly improve our quality of sleep. One study found that people who used social media before bed were more likely to have anxiety, insomnia and short sleep duration on weeknights.

Avoiding screen time before bed also reduces our exposure to blue light, which has been associated with disrupted sleep.

Meaningful connections in real life

Think about the last time you were anywhere alone at the doctor's office, standing in line at the grocery store or waiting for your friend at a table in a restaurant. How much of that time was spent glued to your phone? The answer is probably a lot. 

A small 2019 study found that smartphones alter the fabric of social interactions. In the experiment, a group of strangers was put in a waiting room with or without their phones. The study found that those who had their phones present were less likely to smile at someone compared to those without a phone.

Setting your phone aside can help you stay engaged with those around you.

Luis Alvarez/Getty

More time for things that bring you joy

Have you ever thought about how many times a day you pick up your phone to check your emails, respond to messages and check social media? According to a survey conducted by Asurion, a global tech care company, respondents checked their phones on average 96 times a day. To put that in perspective, that's once every 10 minutes.

"One reason to consider a social media detox is to regain authority in your life and time. Many people find themselves scrolling for hours a day and then feel unproductive, leading to anxiety and depression. A detox can help put a pause on social media consumption and allow you to regain interest in other hobbies that bring happiness. The detox can also allow you the time you need to be with those you love in real life," says Raghu Kiran Appasani, MD Psychiatry and Founder and CEO of The MINDS Foundation. 

Signs that you might need a break from technology

If you made your way to this page, chances are you are already considering a digital detox -- which is a sign itself that you might need a break from your electronic devices. The best way to know you need a digital detox is to check in with yourself and see how interacting with social media and technology makes you feel.

• If you feel any of the following when engaging with the online world, it's time to say goodbye (for now) to technology:
  
• Anxiety, stress or depression after checking social media
  
• Social withdrawal
  
• Urge to check your phone every few minutes
  
• Trouble concentrating and staying focused on the task at hand
  
• Imposter syndrome or feeling insecure about where you are in life
  
• Disrupted sleep
  
• Feeling obligated to respond immediately to emails and text messages
  

How to do a digital detox

If you're ready for a digital detox challenge but aren't sure where to start, we got you. It's important to remember why you're detoxing from your digital devices in the first place. The goal is to create boundaries that ensure you're using technology in a way that benefits and works for you. Ultimately, you want to feel good about the time you are dedicating online.

Set realistic goals

A digital detox can be anything you want it to be. It can be refraining from using any type of technology, disconnecting from social media or just limiting daily screen time. The most important thing to keep in mind is that whatever you want to achieve has to be realistic. For example, if your work requires you to be in front of a computer all day, it may not be wise to set a goal that won't allow you access to your computer. Instead, you can opt to set screen time limits on your free time.

Create healthy boundaries and limits

Sometimes disconnecting completely from electronic devices isn't possible, but setting boundaries is a great way to limit how much time we spend on electronic devices. 

Here are some ideas of other times you can create limits for:

• When working out: If you want to get the most out of your workout, try to avoid any distractions. If you like to listen to music while doing so, you can download your music beforehand and set your phone to airplane mode so that you don't get any notifications.
  
• Before going to sleep: Smartphones were designed to keep us alert and productive, so the last thing we want is to bombard our brains with more information. Sleep experts recommend cutting off screen time 30 minutes to 1 hour before bed.
  
• When waking up: You never know what you will encounter when you look at your phone. Seeing bad news as soon as you wake up can trigger your stress response and leave you feeling anxious all day. Allow yourself some time to wake up without outside distractions and enjoy the present moment.
  
• While enjoying a meal: If you're scrolling through your phone while you eat, you may not be aware of how much you are eating and miss your body's cue that it is full. Instead, you can practice mindful eating and savor every moment of your meal.
  
• When spending time with the people you love: It's good to keep your phone away or silent when socializing and spending time with people. When you limit your distractions, you can have deeper and more meaningful conversations.
  

Occupy yourself with things that nourish your mind and body

You've decided to do a digital detox, you put away your phone, now what? It's easy to give in to checking your phone if you are bored, so you'll want to fill in this extra time with things that make you feel good.

If you are having a hard time figuring out what to do with your extra time, here are some ideas.

• Pick up a new hobby, something you've always wanted to try.
  
• Go for a walk or a hike
  
• Call a family member you haven't talked to in a while
  
• Go for coffee with a friend
  
• Read a new book (or reread your favorite one)
  
• Journal about how you're feeling right now
  
• Volunteer at a local charity that is doing important work
  
• Learn to cook a new recipe
  
• Sign up for an exercise class like kick-boxing, yoga or pilates
  
• Meditate or practice mindful breathing 
  

Klaus Vedfelt/Getty

Reward yourself for following through

It's easier to stay motivated when looking forward to something, so take this opportunity to celebrate your wins by rewarding yourself. It doesn't have to be something grand (though it can be if you want); it can be as simple as cooking your favorite meal or taking yourself out to the movies. Whatever you decide your reward should be, make sure it's something that excites you.

Tips for your digital detox

Some people will find it fairly easy to disconnect from digital devices, while others may find it more challenging. Luckily, there are some things you can do before you go off the grid to ensure that you have a successful digital detox.

• If you're doing a social media detox, delete the apps from your phone and sign out from your account on your computer, laptop or tablet.
  
• Let your friends and family know about your detox and the best ways for them to contact you and provide support.
  
• Schedule activities to keep you busy beforehand.
  
• Track your progress. You can write down how you're feeling each day, seeing tangible progress may keep you motivated.
  
• Mute or turn off notifications on your phone and computer
  
• Designate tech-free zones in your house, like your bedroom or dining room.
  
• Remember why you started. If you feel the need to check your phone throughout your detox, think of how you felt before starting and why you decided to take a break.
  

Be patient with yourself

Deciding to disconnect from the digital world can make you feel anxious or even scared of missing out on important things, and it's okay to feel that way. As the days go by, you'll start to feel better about yourself and have a deeper understanding of your relationship with technology. Take the time to enjoy being present and do things that bring you happiness.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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