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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 other fees: 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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Source

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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 other fees: 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.

---

Source

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How to Set Up a VPN on Your Smart TV: 5 Easy Methods

How to Set Up a VPN on Your Smart TV: 5 Easy Methods

Most smart TVs aren't compatible with virtual private networks right out of the box, but pretty much any smart TV can be hooked up to a VPN. Even if your TV isn't of the smart variety, you may still be able to use a VPN on it -- as long as you have the right equipment.

One of the two big reasons why you may want to hook a VPN up to your smart TV is if you want to stream geographically restricted content. The other is if you want to keep your TV watching activities private and effectively hidden from your internet service provider.   

There are a couple of different ways you can go about setting up your VPN to work with your TV. But which route you choose to take will depend on your personal preference, technical know-how, budget and what equipment you have on hand. We'll show you some of the ways you can set a VPN up on a TV and highlight why you would want to do so.

Why use a VPN on a TV?

Today's TVs aren't just for watching local network programming or cable TV. They're also for streaming video on demand from your go-to streaming providers. 

The amount of streaming content available today might seem limitless already, but some content is regionally locked. If you're itching for more, or if the programming you want to watch isn't available in your country, you can use a VPN on your smart TV to spoof your location to access virtually any of the content you may want. 

If, say, you're in the UK but you want to stream programming that's only available in the US, then you can hook your VPN up to your smart TV and connect to a server in the US. Since the VPN changes your IP address to a US IP address in the process, the streaming service you're visiting will assume you're in the US and serve up American programming, even if you're across the Atlantic. Just make sure to check with your streaming service of choice to confirm that using a VPN doesn't violate its terms of service. You don't want to risk losing access to your streaming account for any reason. 

Even if unblocking geo-restricted video content on your smart TV isn't of particular interest to you, you may want to use a VPN on your TV as a way of preventing your ISP from being able to monitor your viewing habits or keep track of the internet activity being generated by your smart TV. 

When you connect to a VPN, you establish an encrypted connection between your device and the internet via a VPN server in a remote location. This means that all of the internet traffic you're transmitting through that encrypted VPN connection is hidden from any entity with an intent to monitor your activity, including your ISP. When you hook up a VPN to your TV and connect to a VPN server, your ISP won't be able to see what you're watching or otherwise decipher any of the internet activity transmitted or received by your TV.

How to set up a VPN on a smart TV

Like any software or service, your first step here is to work backward from what's available for your operating system. The most VPN-friendly smart TV OSes are Amazon Fire TV and Google's Android TV and Google TV platforms. That said, if you use Roku, Apple TV or the built-in operating systems for Samsung, Vizio, LG or any other platform, you still have options. 

Here are a few of the most practical ways you can go about hooking up a VPN to your smart TV. 

If you have Fire TV

If you have one of Amazon's new Fire TVs, you'll be able to download your VPN directly to your TV, provided your VPN offers a Fire TV app. Not all VPNs offer compatibility with Amazon Fire devices, so you'll need to pick one that does if you decide to go this route. The VPNs we recommend that are compatible with Amazon Fire devices include Surfshark, NordVPN and ExpressVPN. If you don't already subscribe to one of those VPN providers, then go ahead and sign up and download the provider's app from the Amazon Appstore. (All three offer a 30-day money-back guarantee, so you can try each one risk-free to see which one works best for you).

Once you've downloaded the app and signed into your VPN account through your Amazon Fire TV, you can connect to a VPN server. As long as you're connected to the VPN on your Fire TV, you can unblock streaming content and hide your viewing habits from your ISP.

If you have an Android/Google TV

Similarly, if your smart TV runs on Google's Android operating system, then you can set up a VPN on your TV by simply downloading your VPN's app from the Play Store directly onto your TV. And even though Google is in the midst of rebranding Android TV as it transitions to a slicker, more user-friendly platform in Google TV, you'll still be able to access Android apps in the Play Store after you've upgraded to Google TV since it still runs Android under the hood.  

What you'll need to do first is to get a VPN that works on Android, if you don't have one already. Then, navigate over to the Play Store on your Google TV, search for your VPN provider's app and download it. Once you've downloaded the VPN app to your TV, sign in and connect to a VPN server. 

If you want to unblock US-only content, then you'll need to connect to a VPN server in the US, or to a server in the UK for UK-only content, and so on. If all you want to do is protect your TV watching privacy and prevent your ISP or other entities from monitoring your viewing activity, then we'd recommend connecting to a VPN server closest to your physical location, in order to achieve optimal connection speeds through your VPN. 

The potentially more difficult (and more expensive) way

If your TV doesn't run on the Android operating system, then one of the ways you can set up a VPN on your smart TV is by running a VPN connection through a router. But proceed with caution. Not all routers support VPN connections, so if you don't already have one, you'll need to purchase a compatible router -- which can get pricey if you want a router that can handle the VPN connection and deliver a smooth streaming experience. Also, installing a VPN on your router (even if it is compatible) won't necessarily be plug-and-play, and you risk ruining your router or voiding its warranty if you botch the installation process. 

Fortunately, the best VPN providers on the market do offer step-by-step instructions for router installations for a variety of VPN-compatible router models in their help sections and have support staff on hand to help you. So you don't have to go it alone completely, but the process still isn't entirely risk-free. If you don't want to complete the install yourself, some VPNs, through a company called FlashRouters, are happy to sell you routers with VPN compatibility already preinstalled on them. This could be the way to go if you don't want to risk installing it yourself, but keep in mind that you'll be paying a premium of probably about $100 to $150 over and above retail for your preconfigured VPN router.

So, once you've got your VPN successfully installed on your router and configured it with the servers you intend to use, you can go ahead and connect to a VPN server through your router firmware's dashboard. You'll want to make sure your TV is connected to your VPN router to ensure it's using the VPN connection and you're able to unblock the content you want and keep your TV viewing activity private.

See also: The Pros and Cons of Using a VPN on a Router

The resourceful way

If you don't have a Google TV or a VPN-compatible router, and don't intend to purchase either, you can use the equipment you have on hand to share your VPN connection with your smart TV. 

You could accomplish this by running an ethernet cable from your computer to your smart TV. But on top of stringing a long wire from computer to TV, this method may require additional adapters, depending on what kinds of devices you have. Once you've got the connection between your TV and computer established, then connect to a VPN server on your computer and you're all set. The wired connection may not be the most practical solution, but it's an option. 

The simplest and most practical way to go about this would be to use your laptop or desktop as a Wi-Fi hotspot and connect your TV to your computer wirelessly. 

Note that if you're using MacOS, you'll need to manually set up the VPN on your Mac using either the L2TP or IKEv2 VPN protocol and connect your Mac to your router via an ethernet cable to share your VPN connection over Wi-Fi. Your VPN provider will have specific instructions on how to manually set up its service on your Mac.  

On Windows:

• Go to Settings -> Network & Internet -> Mobile hotspot 
• Click on Edit to set a network name and password for your hotspot
• Select Wi-Fi under Share my internet connection over
• Toggle the Mobile hotspot to the On position under Share my internet connection with other devices
• Connect your smart TV to the hotspot you just created as you would any other Wi-Fi network and connect to your VPN on your PC

On Mac:

• Connect your Mac to your Wi-Fi router using an ethernet cable (use an adapter if your Mac doesn't have an ethernet port)
• Go to System Preferences -> Sharing 
• Click on Internet Sharing in the left panel
• Select your VPN connection from the Share your connection from dropdown
• In the To computers using box, check Wi-Fi
• Click on Wi-Fi Options in the bottom-right corner
• Set a network name and password for your hotspot, select WPA2 Personal in the Security field and click OK
• Click on the box next to Internet Sharing in the left panel and click Start in the dialogue box that pops up
• Connect your TV to the Wi-Fi hotspot you just created as you would any other Wi-Fi network and connect to your VPN on your Mac

The 'I don't have a smart TV' way  

Even if you don't have a smart TV, you're in luck because you can set a VPN up on it if you're able to connect a streaming device like a Roku, Amazon Firestick or Google Chromecast to the TV. These ingenious little devices essentially turn any TV with an HDMI port into a smart TV, at a much lower cost than an actual smart TV. 

Basically, you can use the methods listed above to connect a VPN to your TV -- and if you go with Chromecast with Google TV or Amazon Firestick then you can download the VPN directly via the Play Store or the Amazon Appstore, respectively. The only difference is that you'll use your streaming device's interface to connect to the VPN instead of directly via your TV interface. You'll still get all the privacy and unblocking benefits that a VPN offers if you decide to take this route, but only for content you watch through your streaming device.     

Streaming devices like the ones offered by Roku and others can turn your ordinary TV into a smart TV.

Sarah Tew/CNET

Next steps

When you're thinking about setting up a VPN on your smart TV, there are a few things to consider. First of all, you'll want a VPN that provides fast speeds that are sufficient in supplying a smooth streaming experience free of buffering. You'll also want to make sure the VPN you select has servers located in the countries you want to unblock content from. 

If you have a Google TV and intend to download the VPN app to your TV from the Play Store, then the VPN you go with will need to be Android-compatible. And your VPN will need to be Amazon Fire TV-compatible if you want to run the VPN directly on your Amazon Fire TV. 

If you'd rather run the VPN through your router and connect your TV that way, then it's important to make sure your VPN supports router connections and has router setup guides that include your router of choice. It doesn't hurt for your VPN to have helpful, knowledgeable technical support, either, in case you need assistance with your setup. 

You'll also want your VPN to provide the privacy protections necessary to keep your viewing habits private and safe from prying eyes. 

The VPNs we recommend that fit the bill and check all those boxes include ExpressVPN, Surfshark, and NordVPN. Any of those options will get the job done for your unblocking and privacy needs on your smart TV.

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Labor Day Weekend Travel: What to Do if Your Flight Is Delayed or Canceled

Labor Day Weekend Travel: What to Do if Your Flight Is Delayed or Canceled

What's happening

An estimated 12.8 million Americans will fly over Labor Day weekend.

Why it matters

While air travel has returned to pre-pandemic levels, many airlines are still plagued by significant delays and cancellations.

Labor Day is here and, despite ongoing flight disruptions and high ticket prices, an estimated 12.6 million Americans will be flying over the three-day holiday weekend, according to data from travel site Hopper.

American Airlines alone estimates 2.5 million customers will board 26,400 scheduled flights through Monday. 

Many of those fliers will face delays and cancellations. On average, 23% of flights in August were delayed from departing US airports, an increase of nearly 30% compared to 2019. And cancellation rates last month were more than double their 2019 rates, as airlines mobilize to address staff shortages, pickets, weather disruptions and other issues.

By 10 a.m. ET on Thursday, American Airlines had already reported 100 delayed flights, according to the website FlightAware, and 23 cancellations. Industrywide, more than 800 flights within, into, or out of the United States have been delayed Thursday morning and 102 canceled.

Analysts don't expect schedules will get back to normal until at least the fall, when demand settles down and new hires have had time to be trained up. 

If you're flying over Labor Day, here's what you need to know about avoiding a travel nightmare, what the airlines owe you if there's a cancellation or delay, and more. 

For more travel tips, here are some great travel gadgets, guidance on renewing your passport online and 19 things to add to your travel checklist. before leaving home.

Why have there been so many delays and cancellations?

Layoffs and contract buyouts during the pandemic have left many airlines short-staffed, fueling ongoing delays and cancellations.

Getty Images

Since Memorial Day, US-based airlines canceled more than 50,000 flights and delayed over a half-million, according to NPR. Delta said it canceled 100 scheduled daily flights in the US and Latin America between July 1 and Aug. 7. Southwest Airlines nixed almost 20,000 summer flights.   
The biggest factor has been that airlines are incredibly short-staffed. When the pandemic slowed air travel to a trickle, many carriers bought out employees' contracts and encouraged older pilots to take early retirement.

As a result, from December 2019 to December 2020, the number of airline workers shrank by at least 114,000, according to the Bureau of Labor Statistics. Now carriers are clamoring to staff back up, but they're finding it hard to fill positions. 

The shortages extend to ground staff, baggage handlers, gate personnel and other workers, FlightAware spokesperson Kathleen Bangs told CNET. "They did a lot of buyouts during the pandemic. It's a remarkable growth period and they're just back-footed." 

It's particularly acute with pilots because it can take up to five years and cost hundreds of thousands of dollars to train someone to fly a commercial airplane.

"Most airlines are simply not going to be able to realize their capacity plans because there simply aren't enough pilots, at least not for the next five-plus years," United Airlines CEO Scott Kirby said in a quarterly earnings call back in April, NBC News reported.

Extreme weather has also added to the problem: Severe thunderstorms have caused multiple delays and flight cancellations, and that's aside from hurricane and wildfire season. Aircraft can fly at lower altitudes to try to avoid storm systems, but that burns more fuel -- a dicey proposition given the high cost of jet fuel. 

How to avoid having your flight delayed or canceled

There isn't much you can do to prevent a delay or cancellation. But there are some common-sense steps that will give you a better shot at making it to your destination -- or at least relaxing at home or in a hotel room, rather than stewing in the airport.

Download your airline's mobile app to keep on top of changes to your flight schedule.

Pavlo Gonchar/Getty Images

Leave extra time for layovers. You might think an hour is plenty of time to get from one gate to another, especially in the same terminal. But if the first leg of your journey is delayed that hour can turn into 30 minutes. And with most airlines closing the plane doors about 15 minutes prior to departure, you could easily miss your connection.

Hartsfield-Jackson Atlanta International Airport (ATL), Denver International Airport (DEN) and Los Angeles International Airport (LAX) top the list of busiest hubs over the Labor Day holiday, according to Hopper.

Don't book a late-night flight. If you miss a connection, most airlines will work diligently to get you on the next available flight. But if you booked the last flight of the day to your destination, that may mean having to wait until morning -- and either pacing through the airport for hours or booking a night in a nearby hotel. 

Download the airline's app on your phone. Opt into flight notifications and start manually checking the status of your flight regularly, at least 24 hours in advance. As soon as you hear your flight has been cut, find out if you've been transferred to another flight.

Monitor the weather at both your departure and arrival airports. Start checking the weather in both places a few days before your flight. Some airlines will actually reschedule your flight in advance of a major weather front at no extra charge. If a storm is on its way, you might consider leaving a few days earlier or later or finding a different route.

Buy travel insurance. Depending on why your flight is canceled or delayed, the airline might not comp any meals, accommodations or transport you're forced to purchase. The payout for travel insurance may not cover all of your expenses, but it will definitely be more than the cost of a policy, typically 5% to 10% of your trip cost.

What to do if your flight is delayed or canceled

Time is of the essence, so be proactive about rescheduling your flight. 

"A lot of the time you can reschedule yourself on the flight of your choice" using the airline's app, said David Slotnick, senior aviation reporter for The Points Guy. "It'll save you a lot of time and aggravation." (Like CNET, The Points Guy is owned by Red Ventures.)

If that's not possible, call the airline. Even if you get sent to an automated system, it may have a call-back function. You can still call if you're already at the airport. Do it while you're in line to talk to an agent and take whichever option is available first.

What does the airline owe you if your flight is canceled?

While some airlines are able to get you booked on a different carrier if your flight is canceled, not all can.

Dmitry Marchenko/Getty Images

In the US, if a flight is canceled because of something that is the airline's fault -- a mechanical issue or a staffing shortage -- the carrier is required to refund your ticket.

"If you get canceled for any reason -- you don't take your flight -- they have to offer you a cash refund," Transportation Secretary Pete Buttigieg told NPR. "If you'd rather take miles or a different flight, fine. But that's up to you, not them. They've got to give you a refund. That's a basic rule,"  

The Department of Transportation website mandates airlines must also refund the cost of your ticket after a schedule change or significant delay, but the agency hasn't defined what constitutes a "significant delay."

"Whether you are entitled to a refund depends on many factors -- including the length of the delay, the length of the flight and your particular circumstances," according to the DOT website. Whether a refund following a significant delay is warranted is determined "on a case-by-case basis." 

If you don't request a refund, the airline is still responsible for getting you to your destination. But it could be much later than your original flight. Under most circumstances, carriers should provide vouchers for meals and hotels.

Make your plans quickly, though: Airport hotels fill up quickly amid widespread delays and cancellations.

Some airlines will work to get you on another flight with a different airline, Slotnick said, but not every airline has relationships with other carriers. 

What are airlines doing to address delays and cancellations?

Hiring more employees. "All the airlines are doing major hiring initiatives," Slotnick said. "They're rushing to hire pilots and deploy them." They're also trying to improve work conditions for existing workers: In April, Delta announced it would start paying flight attendants during boarding, rather than just once the plane door closes.

The move, a first for a major US airline, is seen as a countermeasure to a unionization push among workers.

Scheduling more flights. Someairlines are boosting service in popular corridors when they can. "They're trying to strike the right balance between adding flights and creating some slack in the system," Slotnick said.

For example, United Airlines recently launched or resumed 30 flights between the US and Europe, its largest expansion ever. Regular flights from Denver to Munich, Chicago to Zurich and New York to Bergen, Norway, are underway, as well as daily service between Boston and London.

When fully operational, United's transatlantic route network will be more than 25% larger than it was in 2019, before COVID-19 cratered air travel.

Some airlines have ramped up their roster of scheduled flights, while others have pared down to avoid having to cancel them later.

James Martin/CNET

Scheduling fewer flights. Otherairlines are going in the opposite direction, reducing their capacity rather than risk being forced to cancel a scheduled flight. JetBlue has already reduced its May routes by almost 10%, Conde Nast Traveler reported, and will likely make similar cuts throughout the summer.

"By reducing our flight schedule for the summer and continuing to hire new crewmembers, we hope to have more breathing room in the system to help ease some of the recent delays and cancellations that we've seen in the industry," a JetBlue spokesperson told the outlet. 

Southwest Airlines, the world's largest low-cost carrier, cut more than 8,000 domestic flights in June "to adjust to capacity," the company told The Business Journals. 

Delta  "temporarily cut" some Labor Day weekend flights from Ronald Reagan Washington National Airport and New York's LaGuardia and John F. Kennedy airports to deal with a large number of airline crew members and air traffic controllers who have already called in sick, The Washington Times reported.

Giving passengers more notice. All the airlines are making a concerted effort to give passengers as much information as possible, Slotnick said, through text updates and other notifications.

"Even a year before the pandemic, airlines were trying to be proactive about informing passengers, even 24 or 48 hours in advance of a possible cancellation," he said.

Offering waivers
United, Delta and other carriers are offering travel waivers to passengers to encourage them to move their flights out of busy time periods. All waiving the usual flight-change fees and some are even foregoing the usual fare difference.

The Department of Transportation has stepped in to hold airlines accountable

On Sept. 1, the U.S. Department of Transportation launched a new website that lets fliers know what they're entitled to when their flight is significantly delayed or canceled. The Aviation Consumer Protection site has a dashboard that compares what policies are regarding rebooking, meal and hotel vouchers and complimentary ground transportation for carriers including Alaska, Allegiant, American, Delta, Frontier, Hawaiian, JetBlue, Southwest, Spirit and United.

The Transportation Department's Air Consumer Dashboard compares offerings from major carriers.

Department of Transportation

"Passengers deserve transparency and clarity on what to expect from an airline when there is a cancelation or disruption," Transportation Secretary Pete Buttigieg said in a statement. "This dashboard collects that information in one place so travelers can easily understand their rights, compare airline practices, and make informed decisions."

Buttigieg said the goal was to get the airlines to "raise the bar."

"Look, Americans have had experiences with cancellations, delays and poor customer service that just aren't at an acceptable level," he told NPR. "A lot of the airlines are not quite transparent about how and when they'll take care of passengers. "So we're going to put that information out ourselves."

Just knowing that information is out there for air travelers to see has spurred carriers to improve their offerings, Buttigieg added. 

The Department is also collecting comments on a proposed rule requiring airlines to proactively inform passengers about their right to a refund. It would also provide a clearer definition of a "significant change" to a scheduled flight and require airlines to provide non-expiring vouchers to passengers unable to fly because they contracted COVID-19 or other communicable diseases.

The proposal would also mandate carriers that receive pandemic assistance issue those passengers refunds instead of vouchers.

Are any airlines better or worse in terms of cancellations?

In 2021, Delta had the fewest cancellations of any major US airline.

Boarding1Now

Without naming names, Slotnick says that, broadly speaking, low-cost airlines have tighter margins with less slack, so theoretically you're more likely to face a cancellation.

But booking with a big carrier doesn't mean you're immune.

"The regionals have parked a lot of planes because they don't have enough staff," Bangs said. "And a lot of people who book on a major airline don't realize they're actually flying with a smaller carrier."

SkyWest, a smaller airline out of St. George, Utah, subcontracts for Delta, United, American and Alaska Airlines. So does Indiana-based Republic Airways.

Sometimes, bigger is indeed better: Last year, Delta had the best record in cancellation rates, according to The Wall Street Journal's annual airline rankings. The Atlanta-based airline scrubbed 0.6% of its scheduled departures in 2021, a third of the industry average of 1.8%.

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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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A Guide to Air Fryers: Everything to Know Before You Buy

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A Guide to Air Fryers: Everything to Know Before You Buy

Air fryers  have made a whole lot of noise in the kitchen appliance space over these past few years. If you've become a little air fry-curious, there are some questions you might want to have answered before you invest in yet another small kitchen appliance. If starting from scratch, you'll want to know exactly what an air fryer does and how it's used. Does an air fryer actually fry? And are air fryers healthier than normal ovens? Also, what can you make in an air fryer, and which type of air fryer oven is best for your cooking habits? Most importantly, is an air fryer worth buying with so many other kitchen appliances available, or are these trendy countertop cookers just a bunch of hot air?

Whether or not an air fryer is right for you is ultimately a decision you'll have to make. But as someone with the chance to try much of the latest kitchen gadgetry, I can say that the air fryer is one of my personal favorite small appliance additions. It's one I fire up at least a few times each week and recommend to folks who are considering buying one. Air fryers cook in a way that nothing else in my kitchen does. They're also incredibly simple to operate and easy to clean. What's more, air fryers don't cost very much, especially if you know what you want and what to look for.

In this air fryer explainer and buying guide, I'll explore the best uses for the trendy air fryer, and break down the various types of air fry ovens along with average costs to help you make a more informed purchase. 

First, a little background.

What is an air fryer?

Contrary to the name, an air fryer doesn't actually fry at all. Instead, the air fryer works more like a convection oven, circulating hot air with a fan. The main difference between a regular convection oven and an air fryer is that the air fryer fan blows faster and the compartment in which food is cooked is often (but not always) smaller. Because of these two things, all that hot air hits food more rapidly and so it doesn't lose as much heat in transit. Most air fryers come with a grated rack or perforated basket so the air can travel through and hit the food on all sides.

The perforated basket helps the hot air hit food on all sides and crisp evenly. 

Getty

This fast, hot roasting or "super convection" will quickly brown chicken, potatoes, frozen snacks, veggies and fish without overcooking the inside. That's very similar to how deep-frying works, which is where both the comparison and name come from. 

While it isn't the case for everything, I've air-fried many foods that taste nearly identical to if they'd been deep-fried. In fact, some things taste better (in my opinion) since they are not saturated with heavy oil which can overpower the flavor of the food.

Are air fryers healthy?

It all depends on what you're making in your air fryer but cooking something in an air fryer is almost universally healthier than deep-frying or pan-frying it in oil. Less oil means less fat and fewer calories too.

What can you cook in an air fryer?

If you think about the best fried foods -- chicken wings, fried chicken, french fries, mozzarella sticks -- those are all great candidates for an air fryer. You'll get similarly crispy and browned outsides with insides that don't overcook. 

The Instant Pot Duo Crisp air fryer and multicooker turned out some excellent air-fried chicken.

David Watsky/CNET

An air fryer can actually do quite a bit more than a solo air fryer since it's really an oven. You can cook fish (salmon is a popular air fryer pick), vegetables, pizza and bread. You can also warm food or reheat leftovers and much more. 

Some of my all-time favorites to cook in an air fryer include "fried" chicken with the skin on; just a quick dredging of egg and seasoned flour and then 25 minutes on high. I also love potato wedges in the air fryer as well as Brussels sprouts, dumplings (with a light coating of oil), and seasoned mushrooms with chopped garlic. 

Read more: Air frying vs. oven baking: Which cooking method is best?

Do you need to use oil in an air fryer?

Short answer: No, you don't need oil. But some foods do well with a light spray or coating of cooking oil. Vegetables including green beans, broccoli, asparagus, and even potatoes will dry out if you blast them in an air fryer so a light spritz of avocado or olive oil can go a long way. 

Remember, you're still using far less oil than deep-frying or even pan-frying in which food sits in oil or is submerged the entire time it's cooking. Anything with some inherent oil content, like chicken or salmon, will have plenty of natural oil to baste itself while cooking.

When air frying vegetables, a light coating of oil goes a long way.

Getty

How much do air fryers cost?

Like anything else, you can pay a whole lot for an air fryer but in our experience, the most expensive air fryers aren't necessarily the best. A basic air fryer is actually not a terribly complex machine so you really needn't break the bank. Small no-frills air fryer models start at $25 or $30 and I've found they will do a serviceable job. That said, if you bump up another $30 or $40 you're going to get a better build, sharper look and generally a bit more power too.

At the high end are the hybrid countertop ovens with air fry functions. These can go as high as $300 but you can get less advanced models from bargain brands or ones that are on sale for around $150.

How big should an air fryer be? About a quart per person, but bigger isn't always better.

If you're cooking for one or two people a 2- or 3-quart air fryer should be large enough. From there, I would suggest adding a quart of capacity for every person that you're regularly cooking for. So, if you plan to air fry for five people on a regular basis, spring for a 5-quart model. 

Size matters when it comes to air fryer prowess but maybe not in the way you expected. A smaller air fryer means food is going to get blasted faster and more often than inside a larger model where the air has further to travel and more time to lose heat. I've found that small and powerful air fryers including the Magic Bullet 2-5-quart model and Instant Pot's Duo Crisp (which actually has a small air frying capacity once you load the air fry basket in) work exceptionally well and very quickly. 

The smaller air fryers mean less overall capacity so you may have to cook in batches.

I find that smaller air fryers like Magic Bullet's 2-5-quart model ($60) do an excellent job but the trade-off is less cooking space.

Magic Bullet

Using medium chicken thighs as a unit measurement, a 2.5-quart air fryer can fit three thighs. A 5-quart model will comfortably fit six thighs and so on. If you spring for a hybrid oven with multiple racks, you can cook as many as 10 or 12 chicken thighs at once, but it will take longer than with a smaller air fryer

What are the different types of air fryers?

Solo air fryer: Best for most people (and most budget-friendly)

The most basic of air fryers looks like a small robot. They are generally just a cylindrical base with a basket to hold the food that pulls in and out. These come as small as two quarts and can be as big as six or seven. These models come with digital controls or manual dials. There are also air fryers with dual compartments so you can make two types of food at different temps simultaneously. Ninja makes a particularly good one with two 4-quart cooking baskets (8 quarts overall).

Solo air fryers are the least expensive too, and they can be had for as little as $30. I'd say if you just want to try air frying but don't want to commit a lot of money or kitchen space, opt for one of these. 

Ninja's basic air fryer oven is one of the best we've tested.

CNET/Ninja

Read more:  The best air fryers in 2022

Air frying toaster oven: Bake, broil, roast and toast

These models look and function much like a standard countertop toaster oven but they have an air fry function as well. An advanced version is almost like adding a second main oven to your kitchen since they can broil, roast, bake, toast and much more. Some even come with a rotisserie function. For someone who hosts Thanksgiving or big family gatherings, the extra oven space these provide may feel like a godsend. Plus, they air fry; although due to their larger size, these models usually don't cook as quickly or quite as intensely as smaller solo air fryer ovens. 

Breville makes an excellent (and large) model as do KitchenAid and Cuisinart. My favorite in a test of these types air frying toaster ovens was Ninja's Foodi, which blasted chicken wings and french fries to crispy golden perfection -- I suspect that was large in part due to the smaller cooking cavity which helps the air fry function work properly. It also made wonderful broiled salmon and perfect toast.

These air fryers start at around $150 and go up from there.

If you're shopping for a countertop toaster, why not get one that air fries too?

CNET/KitchenAid

Read more: Best countertop oven and air fryer in 2022

Air fryer and multicooker: An air fryer that does it all

These are the most advanced and versatile air fryers and they do a whole lot more than air fry. Think Instant Pot but with an air fryer function as well. Ninja's Foodi multicooker and the Instant Pot Duo Crisp are two popular models, and if you want an air fryer and multicooker or pressure cooker but don't have a lot of kitchen space to relinquish, one of these is a great option. I've used the 6-quart Duo Crisp a bunch and find it works really well, turning out some of the most delicious fried chicken ever (with no frying at all.) These models generally retail for about $175 to $250

Air fryer attachment for your Instant Pot is a great option

If you already have an Instant Pot, you can buy an Instant Pot air fryer lid ($90) to attach or a Mealthy ($60) which will clamp on top and air fry food down below. I found the air fryer lids work exceptionally well, although they don't have a large capacity for cooking.

The Duo Crisp is a powerful air fryer but it's also a pressure cooker, slow cooker, rice cooker and more. 

CNET/Instant Pot

Read more: Best Instant Pots of 2022

Should you get a digital air fryer over analog? Meh, not really.

This depends on your personal preference but the controls don't have much to do with the performance or end result. Digital air fryers have presets for things like chicken wings, french fries, fish and such, but I find that even if the presets exist, it takes me just a few runs to learn how long things need and the correct temperatures, and I end up bypassing them anyways. Digital air fryers tend to cost a bit more and you run the risk of the panel shorting out, but having a digital readout of the temp and cook time can be nice. 

So which is the best air fryer?

Another question that depends on your needs and budget. Fortunately, we've tested the best air fryers in 2022 and the best air frying toaster ovens with picks in various sizes, styles and prices to help you decide.

More kitchen recommendations

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Best Budget Laptop Under $500 for 2022

Best Budget Laptop Under $500 for 2022

Shopping for a new laptop can be a little intimidating with the vast range of models out there. You can't tell the difference between an expensive and an affordable laptop by looks alone, and their performance and functionality can vary greatly. However, such a huge market also means that you can find plenty of high-quality laptops at an affordable price, with plenty of great models starting at less than $500. In fact, it might even be worth it to grab one for yourself as an extra device for work or for games.

If you're searching for a laptop under $500, here are the best budget laptops you can buy right now. If you're not sure what to look for in a good budget laptop -- other than price -- jump to our buying advice right below our recommendations. This advice is based on our years of testing and review experience to figure out what to expect from a laptop priced under $500. It will also let you know what to look for if you want to continue your budget laptop hunt on your own. 

Use these picks to sort through the competition. Because there are a lot of cheap laptops that aren't worth it, try not to make rash decisions when buying. 

Josh Goldman/CNET

Gateway was best known for low-cost desktops and laptops back in the '90s. In 2020, the brand was revived for a new lineup of laptops and tablets sold exclusively through Walmart. Those models were recently updated with 11th-gen Intel processors and we tested both 15.6- and 14.1-inch models. The latter gets our vote as an inexpensive option for getting school work done while still being light enough to carry around campus for the day. 

The attention-grabber is the Intel Core i5 processor that provides reliable performance, despite being paired with cheaper components. The keyboard is comfortable, but not backlit, and the touchpad isn't the most precise. Also, the built-in fingerprint reader is hit-or-miss. Still, it has lots of ports so connecting a mouse or an external display isn't an issue and the full-HD display is decent too, all things considered. Plus, the battery lasted a couple minutes shy of 10 hours on our streaming video test.

Sarah Tew/CNET

This Lenovo Chromebook IdeaPad Duet is essentially a Chrome version of the first Microsoft Surface Go. Like the Go, the Lenovo Chromebook Duet is a 10-inch tablet with a detachable keyboard and touchpad-- making it a compact touch screen laptop. Unlike Microsoft, though, Lenovo includes the keyboard. The Lenovo Duet is essentially a smaller, albeit less powerful, Pixel Slate that makes more sense for more people with a cheap laptop price that's more in line with what people expect a Chromebook to cost.

The Chromebook Duet screen is small, however, so if you're regularly using it at a desk, we recommend attaching an external monitor to its USB-C port. You'll probably want to connect a wireless keyboard and mouse, too. 

Sarah Tew/CNET

The Acer Aspire 5 15-inch clamshell continues to be one of the best laptop deals available. This sub-4-pound Windows laptop includes an AMD Ryzen 3 3350U processor, 4GB of memory and a speedy 128GB SSD. This budget laptop also features a USB 3.2 Gen 1 USB-C port, two USB-A 3.2 Gen 1 ports, Ethernet and an HDMI port. 

The Acer Aspire even has a backlit keyboard and fingerprint reader for quick sign-ins -- rarities at this price. The 4GB RAM and 128GB solid-state drive storage don't allow you to have many programs or lots of browser tabs open simultaneously but you can add more of both down the road. 

Asus

Amazon currently offers an older Core i3 8GB model for under $450, a reasonable price for a Windows laptop with an Intel Core processor. You'll also see listings with 4GB RAM, but that's way too little memory for Windows, which barely gets by on 8GB. Don't confuse it with the thinner, lighter, more expensive Asus VivoBook S15.

Lenovo

The Windows version of the Flex two-in-one has the beefed up specs (at least over a Chromebook) necessary to run Windows, though probably not very fast -- the dual-core Intel Core i3 processor and 4GB of RAM are the reasons the price is low. But it has a bigger full HD screen than the Chromebook model.

Are laptops under $500 any good?

As a rule of thumb, resist buying out of desperation -- don't spend $500 because you can't find a cheaper laptop deal available, for example. Buying a need-it-now laptop can be like shopping for food while hungry. Even for a laptop, $500 can be a lot of money, and you'll likely be holding onto it for at least three years, if the statistics Intel and PC manufacturers hurl at us are correct.

You can also try to make your current laptop last a little longer. If you need something to tide you over for a few months, dig into possible places to buy refurbished machines and explore nonprofit or educational discounts if you're eligible. Also, if there's something you really want in a laptop, like a touchscreen, a backlit keyboard, DDR4 RAM, an HD webcam, Intel UHD Graphics, AMD Radeon Vega Graphics or an HDMI port, check the manufacturer's specs closely to make sure it has it. You'll regret it if you don't.

If you suspect you'll be holding onto your new laptop for a while, see if you can stretch your budget to buy a slightly more expensive laptop to accommodate more than 8GB of RAM or a processor with more cores than you were otherwise considering. If you haven't thought about it, look at AMD Ryzen processors as alternatives to Intel Core for Windows laptops or alternatives to Intel Celeron and Pentium for Chromebooks.

Even better, if you're comfortable with it, think about an affordable laptop with a replaceable battery (if you can find one), upgradable memory, graphics card and storage, or all of the above. Furthermore, while you might be working remotely now, you won't be stuck at home forever. Remember to consider whether having a lighter, thinner laptop or a touchscreen laptop with a good battery life will be important to you in the future. 

Read more: Best Monitors Under $200 You Can Get Right Now

You can always add an external drive or two (or five, if you're me) at some point down the road. But if your internal storage is the type of slow-spinning hard drive that comes in a lot of cheap laptop models, fast external storage is unlikely to help speed up loading Windows or applications. You can frequently set a system to boot from an external solid-state drive if necessary.

You may see references to Intel Optane in conjunction with slow (5,400rpm) spinning hard drives; Optane is fast solid-state memory that acts as a temporary storage space for frequently accessed files on the hard drive to speed things up. It helps, but not as much as an SSD drive. 

And finally, if you're replacing an old Windows laptop that's not up to running Windows anymore, consider turning it into a Chromebook.

What are the trade-offs on laptops under $500?

As long as you manage your expectations when it comes to options and specs, you can still get quite a bit from a budget laptop model, including good battery life and a reasonably lightweight laptop body. 

A bright spot is you don't have to settle for a traditional clamshell laptop with a fixed display and keyboard. You can also get a convertible laptop (aka a two-in-one), which has a screen that flips around to turn the screen into a tablet, to position it for comfortable streaming or to do a presentation. Keep in mind that all convertibles work as both laptops and tablets. A touchscreen is a prerequisite for tablet operation, and many support styluses (aka pens) for handwritten and sketched input. Don't assume a stylus is included, though.

One thing you won't find at these cheap laptop prices: a MacBook or any other Apple laptop. An iPad will run you more than $500 once you buy the optional keyboard (though it might work out to less if you look for sales on the tablet or keyboard), which is above our budget here. A base-model iPad with an inexpensive Bluetooth keyboard and cheap stand for the iPad might suffice.

You'll see a lot of cheap laptops listed as coming with Windows 10 S, a stripped-down and locked-down version of the operating system intended for use by schools -- it only allows you to install applications from the Windows Store, forces you to use Microsoft's Edge browser and includes a subset of the administrative tools in Windows 10 Pro. You can upgrade to the full version for free, though.

It doesn't feel like there's much to make the new Windows 11 a must-have upgrade, but if it's going to be important to you for some reason, be careful about checking that the laptop will meet the requirements. These inexpensive models can be especially at risk of not making the cut.

It's easier to find inexpensive Chromebooks than Windows laptops, making them one of the most popular budget laptops on the market, though we're also seeing a lot more Chromebooks in the $500-to-$1,000 range. That's because Google's Chrome OS isn't nearly as power-hungry as Windows (check the specs), so you can get by with a lower-end processor, slower storage and less screen resolution or RAM -- just a few of the components that make a laptop expensive. 

But the flip side is Chrome and Google apps are more of a memory hog than you'd expect, and if you go too low with the processor or skimp on memory, the system will still feel slow. Chrome OS is also a much different experience than Windows; make sure the applications you need have a Chrome app, Android app or Linux app before making the leap.

Since Chromebooks are cloud-first devices, however, you don't need a lot of storage built-in. That also means if you spend most of your time roaming the web, writing, streaming video or playing Android games, they're a good fit. If you hope to play Android games, make sure you get a touchscreen Chromebook.

For a cheap gaming laptop, though, you'll still have to break the $500 ceiling to support most games. The least expensive budget laptops suitable for a solid gaming performance experience -- those with moderately powerful discrete graphics processors -- will run you closer to $700. Here are our recommendations if you're looking for the best gaming laptop under $1,000. 

Although, if you like to live on the bleeding edge, cloud gaming services such as Google Stadia and Microsoft Xbox Game Pass Ultimate's Game Streaming will let you play games on laptops with specs that hit the under-$500 mark. 

What to look for in laptops under $500

While Chromebooks can run Chrome OS-specific and Android apps, some people need the full Windows OS to run heftier applications, such as video-editing suites. If you want a good video editing laptop, the HP Chromebook with Intel Celeron processors provides 5.4 times high-resolution video editing than the basic HP laptop. With that comes a need for a faster processor with more cores, more memory -- 8GB RAM is the bare minimum -- and more storage for applications and the operating system itself. A lot of these have 4GB or 6GB, which, in conjunction with a spinning hard disk, can make for a frustratingly slow Windows laptop experience. But demands on Chromebooks are growing, so if your Chrome needs to run beyond the basics you should think about paying more for more memory and a faster processor.

• A lot of Windows laptops in this range use AMD Athlon and lower-end A series or Intel Celeron and Pentium processors to hit the lower price. I don't really recommend going with an Athlon instead of a Ryzen or a Celeron/Pentium instead of a Core: Windows is too heavy for them, and in conjunction with the 4GB memory a lot of them have, you may find them abysmally slow at best.
• Because of their low prices, 11.6-inch Chromebooks are attractive. Samsung Chromebook has a fantastic screen and nearly 10 hours of battery life. But we don't recommend that size for any but the youngest students. And if you're both going to be looking at the screen frequently for remote learning, 11 inches can get really cramped.
• SSDs can make a big difference in how fast Windows performance feels compared with a spinning hard disk, but they also push the price up. So if your budget can stretch a little and you want more storage, you may want to consider stepping up from base storage options to a 128GB SSD. 
• In the budget price range, you have to watch out for screen terminology when it comes to specs: An "HD" screen may not always be a truly high-definition screen. HD, which has a resolution of 1,920x1,080 pixels, is called "Full HD" so marketers can refer to lesser-resolution displays (1,280x720 pixels) as HD. In Chromebooks, HD usually refers to a screen with a resolution of 1,366x768 pixels. On the upside, the boom in 14-inch laptops trickles down to this price range, which allows for more FHD options in the size. 
• A frequent complaint I see is about "washed-out" looking displays with poor viewing angles. Unfortunately, that's one of the trade-offs: A lot of these use TN (twisted nematic) screen technology, which is cheap but meh.
• Pay attention to networking. Inexpensive models with older chipsets may only support Wi-Fi 3 (or 802.11b/g/n). Wi-Fi 3 is limited to 2.4GHz channels; those are slower than more recent chipsets with Wi-Fi 4 (aka 802.11ac) that add a 5GHz channel as well. I haven't seen any laptops in this price range with Wi-Fi 6, the newest version; chances are you won't have any Wi-Fi 6 access points to connect to, though, so you likely won't miss it now. The specifications aren't always correct on the shopping sites, so if you see a model that doesn't seem to have Wi-Fi 4, double-check on the manufacturer's site before ruling it out. Remember, Chromebooks are designed to work predominantly over the internet, so Wi-Fi speed and stability are crucial. 

Considering all specs and options -- battery life, storage space, screen resolution, screen size, core processor performance, general machine and battery performance -- you'll find some of our top picks for 2022's best Windows laptops and Chromebooks under the $500 budget in the list above, along with their pros and cons.

How we test computers

The review process for laptops, desktops, tablets and other computer-like devices consists of two parts: performance testing under controlled conditions in the CNET Labs and extensive hands-on use by our expert reviewers. This includes evaluating a device's aesthetics, ergonomics and features. A final review verdict is a combination of both those objective and subjective judgments. 

The list of benchmarking software we use changes over time as the devices we test evolve. The most important core tests we're currently running on every compatible computer include: Primate Labs Geekbench 5, Cinebench R23, PCMark 10 and 3DMark Fire Strike Ultra. 

A more detailed description of each benchmark and how we use it can be found in our How We Test Computers page. 

The best laptops in every category

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