FCC Commissioner Wants TikTok Pulled From Apple, Google App Stores


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FCC Commissioner Wants TikTok Pulled From Apple, Google App Stores


FCC Commissioner Wants TikTok Pulled From Apple, Google App Stores

FCC Commissioner Brendan Carr wants Apple and Google to stop offering TikTok in their app stores, saying the popular social video app is a "serious national security threat."

"TikTok is not what it appears to be on the surface. It is not just an app for sharing funny videos or memes. That's the sheep's clothing," reads a letter to Apple CEO Tim Cook and Google CEO Sundar Pichai dated June 24. Carr posted the letter to Twitter on Tuesday. 

Carr, a Republican commissioner nominated during the Trump administration, said in the letter that TikTok "functions as a sophisticated surveillance tool that harvests extensive amounts of personal and sensitive data." He urged the tech companies to remove the app from being downloadable.

The letter lists the different ways TikTok's practices have allegedly failed to comply with Apple's and Google's app store policies. Carr also cites a Buzzfeed News report from earlier this month that said TikTok's US data has been accessed by employees in China. 

TikTok declined to comment on Carr's letter but said it's addressing concerns around access to US user data. 

"We employ access controls like encryption and security monitoring to secure user data, and the access approval process is overseen by our US-based security team," said a TikTok spokesperson in an emailed statement. "TikTok has consistently maintained that our engineers in locations outside of the US, including China, can be granted access to US user data on an as-needed basis under those strict controls."

The spokesperson said TikTok will continue to "work on additional safeguards on US data for improved peace of mind for our community."

TikTok's Beijing-based parent company ByteDance is no stranger to these allegations. For years, lawmakers and regulators have raised concerns about the platform's collection and protection of personal user data. The app is already banned from many US government-issued devices, and in 2020, the Trump administration ordered ByteDance to divest TikTok. However, the selloff wasn't enforced by the Biden administration. 

Earlier this month, in an effort to assuage concerns, TikTok said it would be moving its servers containing US user data to Oracle storage locations in the US. However, Carr said, the move didn't address the concerns raised in his letter. 

Carr asked Apple and Google to respond by July 8 explaining why TikTok remains in their app stores.

Apple and Google didn't respond to requests for comment.


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Best Emergency Kits For Cars In 2022


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Best Emergency Kits for Cars in 2022


Best Emergency Kits for Cars in 2022

Don't count exclusively on your phone to get you through the next roadside emergency. If you do, you could be setting yourself up for trouble. Cell service isn't a guarantee and even if you have service, a phone doesn't do you much good if you go off the road in a blizzard or during a heavy storm. It's during those situations that a roadside emergency kit for your car, SUV or truck gets appealing.

A roadside emergency kit comes prepacked with tools and other things -- from jumper cables to traction strips to a first-aid kit to emergency blankets -- that will help you deal with all sorts of roadside problems. These kits range from $25 or $30 to upward of $150, and all have strengths and weaknesses for their respective prices.

Yes, you might get the absolute best car emergency kit if you built your own, with an eye on the specifics of when and where you travel, and we'll get back to that later. Yet building your own takes time, effort and possibly more cash. None of the prepackaged roadside emergency kits have everything you could possibly need, but all should have the most important, useful things. The best will get you 90-95% of the way there, right now. You can even mix and match less expensive kits to get something like the perfect one for you. 

To choose the best roadside emergency kits, we evaluated reports from testing labs and scanned user ratings at popular shopping sites. We also interviewed experts and applied personal experience. Before you click Confirm Order, look through our entire list of the best kits and think a bit about the kind of vehicle you drive and where you intend to drive it. Then read on for valuable tips on what makes a good road survival kit, how to minimize the chances of a roadside emergency situation in advance and what you need if you decide to assemble your own emergency road kit.

Lifeline

The American Automobile Association, better known as AAA, rescues about 30 million stranded motorists a year. It knows something about roadside emergencies, and that makes this broad-coverage roadside car kit a fantastic place to start. It includes a good first-aid kit with a guide, good quality 8-gauge jumper cables, an aluminum LED flashlight (with batteries), cutting blades, bungee cords, zip ties, a roll of duct tape and a basic tool kit, a flare-replacing reflective triangle, work gloves and rain poncho. Yet one of the things that separates this auto emergency kit from most others is its compact, 12-volt-powered air compressor, which allows you to refill tires wherever you find yourself. There's even a fleece scarf, gloves and a winter hat to help keep you warm if you're waiting.

Given its generally broad coverage, two things stand out among those the Lifeline AAA Excursion car kit lacks. One is any sort of tire sealant or puncture repair, so you'd better have a spare tire that holds air, or add a bottle of tire sealant. The second is a Mylar emergency blanket. Sometimes called space blankets, these thin, foldable sheets measure 84 by 52 inches. They're windproof, waterproof and capable of reflecting 90% of your body heat. They can also be fashioned into emergency shelter. See them here.

Finally, if the thought of fixing flats and emergency shelter leaves you feeling a little unsettled, the AAA Excursion roadside emergency car kit offers one more valuable item: an Auto Club membership brochure with discount, so rescue will never be too far away.

Lianxin

We like this roadside kit because it packs a lot in a compact soft case at a more modest price. The Lianxin Roadside Assistance Emergency Kit has all the emergency item essentials: 8-foot jumper cables, a tow strap with hooks, an emergency blanket, reflective wear, gloves, tape, a seatbelt cutter and window smashing safety hammer, a (very basic) first-aid kit with adhesive bandages and a flashlight -- in this case hand-cranked, so you don't have to worry about batteries. The tool kit has a metal hammer and solid snipping pliers, and there are a bunch of atypical safety kit extras here. Those include a range of 12-volt fuses, a plastic sweep/snow shovel and even a compass if your phone dies.

On the downside, the Lianxin emergency car kit lacks two hugely valuable items: an air compressor and tire-repairing potential. Yet for this price, you could buy a small 12-volt tire inflator and a bottle of Slime and still beat the cost of some more expensive car emergency kits. 

HAIPHAIK

The Haiphaik Emergency Roadside Toolkit is a perennial top seller on Amazon, and it isn't difficult to see why. It has all the essentials, in decent quality, including 12-foot jumper cables and a 10,000-pound tow rope. The tool kit is above-grade, with a fully adjustable wrench, Allen wrenches and a tape measure. There are even a couple anti-COVID face masks. Yet what sets this emergency car kit apart is the under-tire traction strips and a real, compact, military-style spade shovel with saw-blade edge.

Oddly, for a winter kit, the Haiphaik Emergency Roadside Toolkit lacks something important: that emergency Mylar blanket. That can be handy if you're stuck on the South Dakota prairie in a driving snowstorm. You can add four of those here for about 15 bucks. 

Ready America

This car emergency kit includes none of the things that might get you going again during a roadside emergency -- no jumper cables or flat tire repair, no tow rope, no utility tools, traction aids or flashlight. But in the worst case none of those tools will get you going anyway, and what actually is in the Ready America Emergency Kit could mean the difference between successfully waiting things out or... well, you get it.

Its contents? A decent first-aid kit, two emergency Mylar blankets, face masks and latex gloves, a loud whistle and two 12-hour glow sticks. Then there's enough food and water to sustain two hungry people for three days. The food is 4,800 calories of cholesterol-free nutrition bars. The water is packaged in multiple 125-milliliter pouches that fit nicely in the small, backpack-style carrying case. Both the food and water in this survival kit are packed in temperature-resistant plastic foil with a five-year shelf life.

As we said: The Ready America Emergency Kit is the best roadside emergency kit if you're stranded, and the perfect place to start if you plan to build your own roadside emergency kit. The typical car enthusiast likely has spare tools, jumper cables and even a tire inflator lying around the garage. The emergency blankets, first-aid kit and three days of nutrition with a long shelf life -- not so likely.

Top Gear

This auto emergency kit has the essentials -- first aid kit items, decent jumper cables, reflective vest and triangle, a hand-cranked flashlight, Mylar blanket -- at a good price. It has some extras, too, including zip ties, a bungee cord, glow sticks and a whistle. There's no tow strap, nor tire repairing potential, but you can't go wrong with that Top Gear-branded carrying bag. Cosmic inspiration from Jeremy Clarkson and the Stig could have you going again in no time at all.

Swiss Safe

The Swiss Safe 2-in-1 Emergency Roadside Car Assistance kit is about average when it comes to the broader range of potential roadside emergencies. It has essentials like jumper cables, some tools, a reflective vest, a rain poncho, a bungee, wool gloves and an emergency blanket. It offers no tire repair options or tow rope, and while it comes with glow sticks, it has no flashlight (though a lot of us will have one in the glovebox anyway).

This car emergency package balances mediocre roadside-emergency mitigation features with a first-aid kit suited for an emergency room physician, packed in a self-contained hard case. The first aid kit package includes trauma shears, tweezers, an instant ice pack, a vast array in size and types of bandages, gauze pads, medical tape, finger splints, a sling, tongue depressors, antiseptic cleaning pads and ointments, wound adhesive and a full first-aid guide. There's also a smaller, pull-out first aid kit pack you can bring on the trail to the scenic overlook.

It's the full-service first-aid kit that separates this roadside emergency kit from the pack. And there's enough room in the soft tool carrying case to throw in some extras, such as fuses, hose clamps and a bottle of Slime.

Secureguard

We could also call this the best emergency roadside kit for vintage British sports cars.

It starts with the essentials: jumper cables, tow-strap, basic first-aid kit, reflective necessities, a safety hammer, an emergency blanket, a multitool with blades and a flashlight. Then it adds something you don't see in many kits. That would be an electrical tester.

Given that the single biggest source of roadside emergencies is an electrical problem -- either a dead battery or an oft-related short -- the electrical tester could prove vital. This car emergency kit also includes a range of fuses and electrical connectors, with wire-stripping, needle-nose pliers. With a bit of knowledge and its electrical tester, this roadside kit could be the difference between waiting for hours somewhere west of Laramie and getting rolling again before the sun sets.

Slime

This is not your typical roadside car emergency kit. It's intended for the very specific purpose of fixing a punctured tire or a flat spare tire and getting you headed toward civilization in short order. Slime says it will get you back on the road in 11 minutes or less. The sealant is safe for all tires, rims and pressure monitor systems, and there's enough for large truck tires. It's good for 125 miles of travel. The air compressor includes a 12-volt male lighter-socket plug and alligator clips for direct battery connection and it has a useful LED floodlight that casts a broad swath. The kit includes spare valve caps and cores and adapters for beach balls and other inflatables.

We restate: This auto emergency kit has a very specific job. For full coverage, it can be paired with another roadside emergency kit, such as our best for the money Lianxin Roadside Assistance Emergency Kit above

Comparison of the best roadside car emergency kits in 2022


Brand Model Price
Best roadside car emergency kit overall Lifeline AAA Excursion Road Kit 4388AA $110
Best roadside car emergency kit for the money Lianxin Roadside Assistance Emergency Kit $45
Best roadside car emergency kit for a flat tire Slime Spair Flat Tire Repair Kit $110
Best roadside car emergency kit for winter Haiphaik Emergency Roadside Kit $48
Best roadside car emergency kit for electrical trouble Secureguard SGAMEK-001 $39
Best roadside car emergency kit if you're stranded or if you plan to build your own Ready America Emergency Kit 70280 $39
Best roadside car emergency kit from a TV car show Top Gear Premium Roadside Assistance Kit 1006 $33
Best roadside car emergency kit with a top-tier first-aid kit in a hard case Swiss Safe 2-in-1 Emergency Roadside Car Assistance SFAK-Road1 $52

You never know when trouble will strike on the road.

Secureguard

Pro tips: Roadside emergencies 101

The American Automobile Association knows a thing or two about roadside emergencies and how to address them. On the year 2020, AAA rescued 33 million stranded motorists. Over the last 15 years, as cars have become generally more reliable and mobile phones have been almost universally adapted, the number of stranded motorists has declined slightly on a per-capita basis. That means there are fewer roadside emergencies per 100,000 miles traveled, according to Cliff Ruud, managing director of automotive at AAA. Yet the overall volume of roadside rescues has continued to increase steadily. Roads across America are more heavily traveled each year.

Your phone alone will not save you. Mobile phones are as valuable as any tool in dealing with a roadside emergency, but they shouldn't be the only one. Aside from technical issues like signal strength and availability, phones can't jump start your car or fix a tire. They can't beam down trained help in minutes, and they can't keep you safe and comfortable if help is hours away. Mobile phones can create roadside emergencies as effectively as they can resolve them.

"Obviously cell phones and their apps are wonderful things," observes AAA's Ruud. "But from our viewpoint the downside is distracted driving. Some people have a hard time leaving their phone alone, and there are consequences. Always have your phone with you on the road, but use it properly. It's probably not a great idea to rely on it exclusively for your safety."

When cell phone coverage is spotty, you'll be glad to have an emergency car kit if you encounter any car issues.

Lianxin

AAA keeps data on the nature of its rescue calls, and that data provides a blueprint for what you need in your roadside emergency kit. Ruud says that the single largest source of rescue calls, by a long shot, is a dead battery. He notes that, while automotive batteries are generally stronger than ever before, and cars are equipped with more failsafe features to keep drivers from inadvertently draining them, the share of dead-battery rescues has actually increased over the last decade or so.

That might be because people need time to learn how the new-fangled, electrically powered systems on their cars work. Regardless, it definitely means that the first thing you want in your roadside emergency supply kit is a set of jumper cables, and virtually every general purpose kit has them.

Or maybe you want a compact portable jump-start battery. The two options -- conventional jumper cables, portable jump-start batteries -- have advantages and disadvantages, and if you're building your own roadside emergency kit or augmenting a prepackaged kit, you might want to consider a portable battery.

A good emergency car kit will usually include jumper cables, basic tools and gloves.

Swiss Safe

High-grade jumper cables are less expensive than a portable battery. They're always ready, and they should supply an endless stream of battery-to-battery jump starts. Yet the single, encompassing disadvantage of conventional jumper cables is that you always need a second functioning vehicle -- or at least a charged 12-volt battery -- to jump start your own car.

A decent compact, lithium jump starter is about the size of a paperback book. It weighs a couple of pounds, so it will easily fit in the same space as wound-up jumper cables like a spare tire compartment -- even with the battery clamps that come with virtually every portable jump starter. The typical portable is good for at least two or three jumps when it's fully charged, unless it's really, really cold. It just has to be fully charged. Most come with a 12-volt adapter for lighter sockets so they can charge as you're underway. And if it isn't obvious, the advantage over jumper cables is huge. You can jump start your car without a second vehicle or anyone else's help, wherever you find yourself at whatever time.

Portable jump-start batteries offer further advantages. Nearly all have a built-in light. Many somewhat larger ones have built-in tire inflators with a tire pressure gauge, and they're still compact enough to easily carry in a vehicle. They also provide a small, dense container of electrical energy to charge mobile phones and other electronic devices if you're stranded with a dead engine.

To battle tire trouble, the Slime Spair Flat Tire Repair Kit is tops.

Slime

However you choose to protect yourself, a bad or drained battery is the most likely cause of roadside trouble. The second most likely cause, again by a considerable margin over number three, according to AAA data, is tire trouble. It's often a repairable thread puncture, and sometimes a completely shredded tire, with possible damage to the rim. The first line of defense if you want to get going again, of course, is a functional spare, jack and lug wrench. Lug nuts installed with an air wrench can be difficult to remove manually, so it's never a bad idea to include some sort of breaker bar or mechanical leveraging device in your roadside emergency kit. After that, if you forgot to check the spare, or if you've installed it and want backup, the options get trickier.

Many roadside emergency kits come with a tire-tread puncture repair kit or sometimes a bottle of tire sealant like Slime, which either pours or blows into the tire through the air valve. Both can work for emergency repairs, but you'll be left with another problem. You have to reinflate the tire. A relative few kits include a portable, 12-volt powered tire inflator, but if they do they cost substantially more. Sometimes the price increase matches or exceeds the cost of a separate portable tire inflator.

If you think a separate tire inflator is the better choice, check our best list here. Again, we note: many portable jump start batteries have built in inflators, without filling inordinately more space, and with those you can fill two jobs with one device.

Some portable jump-start batteries also double as tire inflators.

Black & Decker

The third most common source of calls for roadside assistance is a catch-all category that might be labeled "needed a tow." It includes things like accidents, damage to parked vehicles, cars sliding off the road into ditches, engine problems, even lost keys or lockouts. Many of these towed vehicles were actually still drivable, and this category highlights the value of some of the other items found in the typical roadside emergency kit.

The tow strap, typically rated at 10,000 pounds, might easily get you out of snow-filled culvert or a stretch of mud, should a good Samaritan happen by. It might also get you off the right-of-way to a safe place if something in the drive system fails. Traction strips or ropes and a shovel might find you enough momentum to roll out of the deep snow. The cutting blades and duct tape can temporarily repair a coolant hose. The bungees and zip ties might secure a bent hood or a door that won't latch, and the whistle allows you to attract attention if for any reason you're obscured from view of the roadway. The safety hammer included in many kits can cut jammed seatbelts, and it makes it much easier to shatter automotive safety glass. Yet it has no value if the driver or a passenger can't reach it from his or her seat. If you plan to keep your emergency road kit in the trunk, pull the safety hammer and put it in the console or glove box.

The value of other items is probably obvious, but just in case, the headlamps or flashlights will be a blessing when you're under the hood in the dark. Many kits now come with small, hand-operated lights that generate their own electricity. That means you never have to worry about dead batteries, though the hand-cranked lights tend to generate less actual light than a conventional, battery-fed flashlight.

A reflective vest and glow sticks will help keep you and your disabled car visible on the side of the road.

Top Gear

The reflective safety vest, light sticks and road flare substitutes help keep you and your disabled vehicle visible to passing motorists. The emergency blankets could be just what you need if your wait turns into hours, and the work gloves... well, you get it.

Don't underestimate the value of a first-aid kit. If you slice a finger removing the tire jack, it's preferable not to bleed all over everything. Many of those packaged in roadside emergency kits are as basic as they get -- a handful of Band-Aids and a couple of antiseptic wipes. Many add antiseptic ointment and adhesive tape. If you prefer a more elaborate first-aid kit, select your roadside emergency kit carefully. Or buy a more elaborate first-aid kit or build your own.

There are plenty of useful items that appear hit or miss in the typical car emergency kit -- it might have some, not others -- and many of them can easily fit in the bag the typical kit comes in. We're thinking fuses appropriate to your vehicle, wire nuts, electrical tape and electrical tabs, a couple of hose clamps, a can/bottle opener and a compass for those worst-case scenarios. A small fire extinguisher is a fine idea somewhere in your vehicle. Out-of-gas calls account for just 4% of AAA's rescue runs, and gas cans can be a bit bulky, but it never hurts to carry one -- even if it serves to port cooling water in a car emergency. The same applies to a portable syphon hose and pump.

Don't underestimate the importance of having a first aid kit as part of your emergency car gear.

Swiss Safe

Some of what you want in your car emergency kit depends on what you're driving, and where your route will take you. The space in an SUV or pickup bed allows you to be more lavish. The value of a shovel knows no season, but if it's winter in the north some sort of traction aid gets more critical. Emergency Mylar blankets reflect heat in both directions, meaning they can be as useful for staying cool as for staying warm. It also matters whether you're crossing town or crossing the country. Emergency rations have saved more than a handful of stranded motorists. Basic nutrition kits like our best if you're stranded are relatively inexpensive and compact, with a long, stable shelf life. AAA's Ruud notes that he probably wouldn't drive anywhere in Arizona in the summer -- commuting or cross state -- without a minimum of potable water aboard.

Don't forget about the case, whether you're buying or building your own roadside emergency kit. Small matters more if you're driving a VW GTI full of luggage. Soft is better than hard, because soft allows tighter packing when it comes to both the bag's contents and its location in your vehicle, but soft can be a bigger challenge organizing efficiently. If something is crush-sensitive, account for it. And don't forget to keep the safety hammer within reach of the front seats, wherever you stash the case.

Finally, don't be taken by the kit supplier's boast -- 114! 196! 326! -- about the number of pieces in its kit. Almost universally, these piece counts include every zip tie and every swab, bandage and safety pin in the first-aid kit, so a good first-aid kit will multiply the pieces in the roadside emergency kit, whether a first-aid kit is your most important priority or not. There's no substitute for sorting through the contents to see what you're actually getting.

Before you buy, make sure to closely examine the contents of any emergency car kit.

Secureguard

Be ready

Let's face it. Some of us will be enthused by the idea of buying or building an excellent roadside emergency kit -- and the rugged self-reliance associated with it. Others prefer not to be forced into playing MacGyver or feel comfortable with a mobile phone as the first line of defense. Whichever you are, a roadside assistance service like AAA is never a bad idea, assuming you can afford it.

Know your roadside assistance options. Most bought-new cars come with roadside assistance for at least a portion of the warranty period, even without a telematics service such as OnStar. Some third-party companies, like credit card or cellular service providers, offer variations of roadside assistance, and many auto insurance policies include it. If your policy doesn't have it, you can probably add roadside assistance. Always read the fine print and know that with some of these services you pay up front and get reimbursed later.

The easiest path might be a traditional roadside rescue plan from AAA or the Good Sam Club, and it usually doesn't matter who actually insures your car. Annual plans can start at around $100. One undervalued component of a roadside assistance plan is that it can help get you to the front of the line. It's probably easier reaching out to AAA than it is locating and then connecting with a towing shop that might be 50 or more miles away.

All of our best roadside emergency kits do at least one job very well, and most cover many potentialities. Yet every road trip should start by giving your machine a simple once-over. AAA's Ruud calls it "making a safe BET."

The Lifeline AAA Excursion Road Kit includes jumper cables, basic tools, a tire inflator, flashlight and reflective triangle.

Lifeline

BET stands for battery, engine and tires, or the things you want to check before you roll. Modern auto batteries tend to fail more abruptly than they did 10 or 20 years ago, or at least with less warning. If yours is more than a couple years old, or if you have any doubts, get it tested. Clean any corrosion from the battery posts and make sure the connectors are snug.

Check your oil, coolant and other engine fluid levels. Look for obvious drips underneath the car or under the hood. Air filters can be a source of all sorts of check-engine warnings, so look at your air filter and replace it as necessary. If there's a check-engine light in the dash, find out what it's telling you. Many auto parts chains will do it free, or you can use one of our best OBD2 scanners. It never hurts to have that OBD2 scanner along when you're on the road.

Visually inspect your tires for bulges, cracks or divots on the sidewalls and tread. Look for small dents around the edge of the rims. Check tread depth with a gauge or a penny. If you can see all of Lincoln's head when you insert the penny head first in a tread channel, you're probably asking for trouble on the road. Make sure you have a jack, lug wrench and spare, and make sure all five tires are properly inflated.

Find out exactly what an illuminated check-engine light is telling you with an OBD2 scanner.

Innova

For added measure, clean your windows, top up your washer fluid and check your wiper blades (or just replace them if it's been more than a year). Just a little bit of preparation substantially increases the odds that you'll never pull the roadside emergency kit from the trunk.

Finally, and most importantly, there's one more thing to bring when you hit the road. Patience.

"Patience might be the most valuable tool of all," says AAA's Ruud. "There's a lot of people on the road, and you don't want impatience or distraction or a bit of road rage to be the reason you have a roadside emergency to begin with."

Written by J.P. Vettraino for CNET Cars.

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Apple Wallet Updates: Apple Pay Later, Tap To Pay On IPhone And More


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Apple Wallet Updates: Apple Pay Later, Tap to Pay on iPhone and More


Apple Wallet Updates: Apple Pay Later, Tap to Pay on iPhone and More

This story is part of WWDC 2022, CNET's complete coverage from and about Apple's annual developers conference.

Apple wants to replace more than just your physical wallet with Apple Wallet. Apple announced on Monday at its 2022 Worldwide Developers Conference some updates to Apple Wallet that could make using the app easier and more widespread, including the introduction of Apple Pay Later, a Klarna-style buy-now-pay-later system.

"Apple Pay Later lets you split the cost of an Apple Pay purchase into four equal payments spread over six weeks with zero interest and no fees of any kind," Corey Fugman, senior director of Apple Wallet and Apple Pay, said at the conference. "Upcoming payments are managed through Wallet, making it easy to keep track of what's due when and to stay within a budget."

Apple Pay Later will work through your standard Apple Pay. Users will have to connect a debit card to their account for the feature to work. Loans through the feature will have zero interest, and there won't be any late or convenience fees, either.

Apple Pay Later will be available to purchase items online and in apps that accept Apple Pay. The feature reportedly won't cost developers or merchants any extra. Apple Pay Later will be available in the US on iOS 16 and iPadOS 16 in late 2022.

Apple will reportedly handle all lending through Apple Pay Later itself rather than through an outside financial institution, according to Bloomberg. 

Starting in June, Apple Pay users will also be able to pay merchants with contactless pay. Merchants don't need any additional hardware or payment terminals either.

"Tap-to-pay on iPhone enables small merchants and large retailers to use iPhone to securely accept payments," Fugman said. 

Corey Fugman in front of a screen with the message

Corey Fugman explaining Apple Pay Later.

Apple/Screenshot by James Martin/CNET

You can also now track your order through Apple Pay -- no more searching through your email for the tracking number of an order. Fugman said Shopify will be the first e-commerce platform to use this new feature, but "millions of merchants" will have access to it, too.

Fugman also said that more states are working through the process to accept ID cards through Apple Wallet. Arizona and Maryland already accept ID cards through Apple Wallet, and a few Transportation Security Administration checkpoints accept ID cards through Apple Wallet as well. 

Apple announced some new privacy features for ID cards within Apple Wallet. Fugman said now, if you need to verify your age with someone that accepts ID cards via Apple Wallet, you can set your ID card to say you're "over 21," and keep your full birth date hidden.

Sharing digital keys will also be easier, Apple promised. You'll be able to use messaging apps like Mail, Messages and WhatsApp to send digital keys to others, even people who don't have an iPhone. 

"We are seeing tremendous enthusiasm from our partners with more of them signing on just four keys for all the places you visit," Fugman said.


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How To Start Meditating And Actually Stick With It


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How to Start Meditating and Actually Stick With It


How to Start Meditating and Actually Stick With It

Meditation originated in ancient Eastern spirituality, and research says the practice may provide a host of benefits -- from improving anxiety, depression and pain, to helping relieve insomnia

But if you're unfamiliar with it, when it comes to getting started meditating, it can feel downright intimidating. For some, the thought of sitting still for an extended amount of time is overwhelming. For others, they would love to sit in silence for a given period of time, but kids, pets or other obligations seem to keep them from finding the time. 

Whether you're curious about meditation or a longtime meditator looking to get back into the practice, the tips below can help you start or restart meditating. Ashley Wray, meditation teacher and founder of Mala Collective, shares her best tips for beginner meditators below.  

Myths about meditation 

One of the hardest things about meditating is simply starting. There's a lot of information about meditation out there, and much of the information says that there's a right and wrong way to do it. 

But according to Wray, these types of preconceived notions prevent most people from starting or keeping a practice because they're too intimidated. Below, she dispels common myths that can hold you back on your meditation journey. 

Myth 1: There is a 'right' way to meditate

With all of the meditation courses, apps, and books out there, you're probably thinking that there's a right or wrong way to meditate. There are many different styles and philosophies surrounding mindfulness and meditation practices, the best one for you is the one that you'll actually want to do. 

"Try not to get too caught up on the form -- if you're doing it right or wrong... and just do it. Build the habit first instead of worrying if you're sitting correctly or doing it right," Wray says.

Myth 2: You're not allowed to think

One of the most common misconceptions about meditation is that if you allow yourself to think while meditating, then you failed. But Wray says that's simply not the point. 

It's normal for your mind to wander while you meditate, but the important thing is to notice it and not let it derail you. "Even if it's uncomfortable, just watch your thoughts and come back to your focus. And when your mind wanders you can choose to judge yourself or come back with kindness," says Wray. 

Myth 3: You have to meditate for 30 minutes or longer

Another common myth around meditation is that you have to do it for a certain amount of time for it to "work." Some people talk about meditating for 30 or 45 minutes or even for hours -- which is super intimidating when you've never even meditated for 5 minutes. 

"Thinking you need to clear your mind for 20 minutes or 30 minutes is a really intimidating approach to meditation. So I try to make it a bit more accessible with this idea that maybe it's 10 minutes or 8 minutes to connect to your breath and slow down and find some space in between your thoughts," Wray says. 

Beginner tips for meditation 

a string of beads with a tassel

Using mala beads can help your mind focus on the meditation.

Mala Collective

Wray teaches new meditators frequently, and says that most people don't even start meditating because they "have an all-or-nothing approach." 

Again, there's no one right way to meditate. Try the tips from Wray below to help guide you with your new meditation practice. 

Have something to focus on

When you first start meditating it can feel really uncomfortable to sit in silence without distractions, like your phone, around. One minute can feel like hours. 

For this reason, Wray suggests using a tool to help you focus on your meditation, especially when your mind wanders. She suggests mala beads -- prayer beads that some people use to meditate -- for beginners because it gives you something tactile to focus on. 

"The mala beads have helped me to not look at my phone as much [and ignore other distractions]. It's just an easy focal point that is good for beginners to help with both the energy and attention and the timing," she says. 

Use and app or guided meditation if you'd like

Using a meditation app or guided meditation video can be helpful when you first start. While these tools aren't necessary, they can give you an idea of what different meditation styles are like or help give you some structure around how to meditate. 

Many of the apps offer meditation challenges, which can be helpful for getting in the habit. Popular apps include Headspace, Calm and Insight Timer. 

Headspace Taking a Break playlist on a phone

If you're struggling to meditate on your own, try an app, like Headspace (above).

CNET

Don't beat yourself up if you get distracted or can't stay consistent 

Meditation is not about being perfect, it's about showing up and trying, no matter what that looks like for you. "Be easy on yourself and be kind to yourself. It really isn't an all or nothing. If you miss a couple days, that's fine. I have days where I feel like I don't want to be doing this, and I have other days where it's the most groundbreaking thing," says Wray.

Tie meditation to a ritual you already do 

All of us have routines and rituals that are ingrained throughout our days. Whether it's making coffee or making your bed, tying your meditation to a routine you already have can make it easier to remember and more likely that you'll actually do it. For example, you can meditate while your coffee is brewing. That can mean as soon as it starts, you sit down to meditate, even if it's only for 5 minutes. 

Designate a space in your home to meditation

Setting up a physical space in your home to meditate, even if it's just the corner beside your bed, can help make you more likely to take the time to do it.  Seeing a special meditation cushion or pillow that you like can be a simple reminder to meditate. You can add personal touches like a candle or something else relaxing that makes the place a restful place you look forward to going to each day.

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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Tesla Reportedly Lays Off 200 Autopilot Employees


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Tesla Reportedly Lays Off 200 Autopilot Employees


Tesla Reportedly Lays Off 200 Autopilot Employees

In early June, Tesla CEO Elon Musk reportedly told executives that Tesla needed to cut 10% of its staff, based on a "super bad feeling" about the economy. Now, as Tesla pares back its workforce, new reports are highlighting where some of those cuts are taking place.

Tesla laid off roughly 200 people on its Autopilot team, Bloomberg reports, citing people familiar with the matter. Electrek's and Reuters' reports appears to confirm this, citing LinkedIn posts from Tesla employees who were let go from the company's San Mateo, California office. Bloomberg notes that many of these employees were hourly, a contrast from previous statements that said the company was focused on reducing salaried positions and boosting hourly ones.

One of Bloomberg's sources said that many employees in this layoff were "data annotation specialists," which entails labeling data coming from Tesla's customer fleet before feeding that data into neural networks meant to improve object recognition in the automaker's Autopilot and Full Self-Driving Beta driver-assistance suites. Tesla also operates a data-labeling team in Buffalo, New York, and a Bloomberg source noted to the outlet that the Buffalo team's hourly pay rate is lower than in San Mateo.

This may have a profound effect on the company's ability to process data for its neural networks, but Tesla may have an automated solution to counteract the workforce reduction. In late 2021, Electrek pointed to a tweet from Tesla's head of AI and computer vision, which detailed how the company is working on an auto-labeling tool that would be able to annotate the very kinds of data that the employees mentioned above were working on.

Tesla does not operate a public relations department to field requests for comment.


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Asus ZenBook 3 Review: A Windows Cure For Your 12-inch MacBook Envy


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Asus ZenBook 3 review: A Windows cure for your 12-inch MacBook envy


Asus ZenBook 3 review: A Windows cure for your 12-inch MacBook envy

When is a MacBook not a MacBook? There's a long history of PC makers selling computers that have a striking resemblance to one of Apple's laptops. Sometimes this is in the form of a subtle homage, other times, it's a literal attack of the clones. We'd even previously taken to calling one of Dell's older designs the "DellBook Air."

After Apple released the very minimalist 12-inch MacBook laptop in 2015, we saw a handful of similar designs, with Core M processors and ultra-shallow keyboards, and the Samsung Ativ Book 9 came closest to mirroring it.

Sarah Tew/CNET

Now there's a new contender for most MacBook-like, called the Asus ZenBook 3. It's a close-to-total clone, at least on the outside. But under the aluminum chassis, this ambitious, slim laptop trades midtier Intel Core M processors for a low-voltage Core i7 CPU.

But, the ZenBook 3 also shares the MacBook's weaknesses, specifically a very shallow keyboard that's not conducive to long-form typing, and an extremely limited set of connection options, which consists of a single USB-C port and a headphone jack (no one is taking the headphone jacks out of laptops, yet).

This might seem like too small a laptop, with too many compromises, to be an effective tool for either work or leisure, but the design grows on you. In the case of the 12-inch MacBook, I decided after a year of on-and-off use that it was actually one of my favorite laptops to use, because of its extreme portability and overall ease of use.

The ZenBook 3 next to the Apple MacBook.

Sarah Tew/CNET

The same could be said of the ZenBook 3, but with a few important caveats. This Windows version of essentially the same design is missing a few advantages that the Apple version has. The touchpad, while good by ultraportable Windows laptop standards, can't come close to the responsiveness and multitouch gesture integration of any MacBook. That's the home-field advantage Apple has in closely designing both the computer hardware and computer operating system, including the just-released MacOS Sierra.

The second advantage Apple has is a singular focus on battery life, and the current version of the 12-inch MacBook (that system's second iteration) runs about 3.5 hours longer per charge than the ZenBook 3. That's an important consideration when toting around a superslim laptop that might very well travel with you all day long for start-and-stop sessions at meetings, in coffee shops or on airplanes.

This configuration of the ZenBook 3 has a low-voltage Intel Core i7-7500 processor, along with 16GB of RAM and a sizable 512GB of PCIe SSD storage. That configuration, when it's available later this fall, should cost $1,600 in the US. International Asus configurations often differ slightly, but that works out to £1,229 or AU$2,085. A better bang for your buck may be the $1,100 configuration (£845, AU$1,433), with a Core i5 CPU, 8GB of RAM and a 256GB SSD.

ZenBook 3

Price as reviewed $1,600
Display size/resolution 12.5-inch 1,920 x 1,080 screen
PC CPU 2.7GHz Intel Core i7-7500U
PC Memory 16GB DDR3 SDRAM 1866MHz
Graphics 128MB Intel HD Graphics 620
Storage 512GB SSD
Networking 802.11ac wireless, Bluetooth 4.0
Operating system Windows 10 Pro (64-bit)

The one spec that you can't change, and one of the ZenBook 3's main letdowns, is the standard 1,920x1,080 screen resolution, which is the only option available on this 12.5-inch non-touch display. Premium laptops, even with smaller sub-13-inch screens often hit 2,560x1,440 or higher.

There's a good case to be made for the very similarly configured Razer Blade Stealth, another slim laptop with a 12.5-inch screen. The newly refreshed Blade Stealth (full review coming soon) has the same Core i7-7500 CPU, and can be configured with similar RAM and hard drive specs. But, its display is a 2,560x1,440 touch screen, and our test configuration (Core i7/16GB RAM/256GB SSD) is $1,250 in the US. My biggest knock against that system is the dated-looking extrawide bezel surrounding the screen.

The very similar Razer Blade Stealth, which has a higher screen resolution, but a wide bezel around the display.

Sarah Tew/CNET

Of course, you could also just get a 12-inch MacBook, starting at $1,300 (£1,050 and AU$1,800). It's a fun, fast-feeling little computer, with a higher-res screen and new MacOS features such as Siri and a universal clipboard that shares content between the laptop and an iPhone. But, its Core m-series CPU isn't as powerful, and it tops out at 8GB of RAM, rather than the 16GB found here.

Attack of the clones

This ZenBook is a deep blue color, with a circular brushed pattern on the back of the lid (the lower-spec version is gray). These things help differentiate it from the MacBook, but color and pattern aside, they could be separated-at-birth twins. The hinge on the ZenBook 3 feels a little tighter, and it's actually a hair thinner and lighter, but you could hold them both in your hand and not be able to discern a difference.

Sarah Tew/CNET

It's already been pointed out that Apple has a natural advantage when it comes to building around exclusive hardware and operating system synergy. That remains true, but the Asus has managed to steal at least a little of that magic pixie dust, because the touchpad on the ZenBook 3 is about as predictable and responsive as any I've tried on a Windows laptop. The two-finger scroll is as smooth as on a Mac (although the inertial movement feels a bit off) and even the Mac-like three-finger swipe movement to show all open windows works as well as on the MacBook.

The keyboard, like Apple's, is backlit but shallow, with wide, flat-topped island-style keys going nearly to the edge of the chassis. The keeps are a bit deeper than on the MacBook, but also have more of a plastic, clacky feel. This isn't a whisper-quiet keyboard.

Sarah Tew/CNET

Asus is one of the last holdouts shipping systems with tons of extra preloaded software, some marginally useful, some bloatware. Evernote, Dropbox, TripAdvisor and others all get valuable desktop or start menu real estate, and system pop-ups keep reminding you to sign up and take advantage of a whopping 5GB of free Asus cloud-based storage (5 gigs, guys? Really, you shouldn't have). One extra that's at least worth trying out is the awkwardly named Asus Eye Care Switcher. It switches the screen to a mode that reduces blue light emissions to reduce eyestrain.

While the single USB-C port (plus headphone jack) is very minimalist, kudos to Asus for including a mini-dock in the box. This small unit connects to that lone USB-C port and offers an HDMI out, USB-A port, and another USB-C for charging while you're using the dock.

The included USB-C mini dock.

Sarah Tew/CNET

Faster than a speeding MacBook

Performance was excellent, as one would expect from a Core i7 laptop that costs more than $1,500. There's not a ton of daylight between this and Razer Blade Stealth in terms of application performance, and both are great for websurfing, HD video playback, basic photo and video editing and general office tasks, but neither is suited for games.

Battery life gets a solid B, at 6:45 in our online streaming video battery drain test. The Razer Blade Stealth scored about 10 minutes better, making this yet another area those two systems are essentially tied in. However, this is where that Apple magic comes in, and the 2016 version of the 12-inch MacBook ran for 10:33 on the same test.

ZenBook 3 versus MacBook.

Sarah Tew/CNET

Conclusion

For anyone longing for the extreme portability and ease of use of Apple's 12-inch MacBook, but in a Windows-friendly version, the Asus ZenBook 3 is essentially that. It has a faster processor, and the included mini-dock is a generous extra, at least compared to Apple's $79 version.

The case versus the new version of the Razer Blade Stealth is a trickier one to make. The ZenBook 3 is thinner and lighter, and it doesn't have the massive screen bezel that mars the Stealth's design. But it's also more expensive for the same specs and performance, while the Razer has a higher-resolution screen that also offers touch. That's the toss-up -- you'll have to choose between portability and design versus features and price.

Multimedia Multitasking test 3.0

Dell XPS 13 (Gold Edition) 466 Razer Blade Stealth 482 Asus ZenBook 3 UX390U 522 HP Spectre 563 Apple MacBook (12-inch, 2016) 702
Note: Shorter bars indicate better performance (in seconds)

Geekbench 3 (Multi-Core)

Asus ZenBook 3 UX390U 8,018 Razer Blade Stealth 7,704 Dell XPS 13 (Gold Edition) 7,236 HP Spectre 7,003 Apple MacBook (12-inch, 2016) 5,879
Note: Longer bars indicate better performance

Streaming video playback battery drain test

Apple MacBook (12-inch, 2016) 608 HP Spectre 430 Asus ZenBook 3 UX390U 420 Razer Blade Stealth 416 Dell XPS 13 (Gold Edition) 311
Note: Longer bars indicate better performance (in minutes)

System Configurations

Asus ZenBook 3 UX390U Microsoft Windows 10 Pro (64-bit); 2.7GHz Intel Core i7-7500U; 16GB DDR3 SDRAM 1,866MHz; 128MB (dedicated) Intel HD Graphics 620; 512GB SSD
Apple MacBook (12-inch, 2016) Apple El Capitan OSX 10.11.4; 1.2GHz Intel Core m5-6Y54; 8GB DDR3 SDRAM 1,866MHz; 1,536MB Intel HD Graphics 515; 512GB SSD
Razer Blade Stealth (2016) Microsoft Windows 10 Home (64-bit); 2.7GHz Intel Core i7-7500U; 16GB DDR3 SDRAM 1,866MHz; 128MB (dedicated) Intel HD Graphics 620; 256GB SSD
Dell XPS 13 (Gold Edition) Microsoft Windows 10 Home (64-bit); 2.2HGz Intel Core i7-6560U; 8GB DDR3 SDRAM 1,600MHz; 128MB (dedicated) Intel Iris Graphics 540; 256GB SSD
HP Spectre Microsoft Windows 10 Home (64-bit); 2.5HGz Intel Core i7-6500U; 8GB DDR3 SDRAM 1,866MHz; 128MB (dedicated) Intel HD Graphics 520; 256GB SSD

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Best 1-year CD Rates For September 2022


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Best 1-year CD Rates for September 2022


Best 1-year CD Rates for September 2022

A certificate of deposit, or CD, is a type of savings account offered by banks, credit unions and other financial institutions such as investment firms. CDs offer a fixed interest rate that will generally be higher than national average annual percentage yield (APY) for a savings account, currently at 0.13% according to CNET's sister site, Bankrate. As of September, there are banks offering APYs as high as 2.90% for a 1-year CD. 

In exchange for higher interest rates, your deposit cannot be accessed during a fixed period -- typically anywhere from three months to five years -- without incurring penalties. Early withdrawal penalties vary among banks. Several CDs highlighted below impose a penalty of 90 days simple interest if money is withdrawn too soon. The set withdrawal date is known as the age of maturity. CDs offered by banks and credit unions are considered low-risk because their value is insured by either the Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration for up to $250,000.

As interest rates rise, this is a good time to compare the rates you're earning on any cash parked in your savings account. If the gains from a savings account are being beaten back by inflation, a certificate of deposit can help.

What is a 1-year CD?

A 1-year CD is a deposit account that has a fixed period or "term" of one year in which a bank will pay a higher rate of interest that compounds -- when the interest earned is added to the beginning balance. The average APY for a 1-year CD is 0.65%, but it's important to shop around to find the best rates and features. A 1-year CD matures in 12 months from the date of purchase. After this date, funds can be accessed without incurring an early withdrawal penalty -- generally a portion of the interest that has been earned. CDs typically have a grace period of 7 to 10 days that allows customers to decide if they want to withdraw the funds, purchase another type of CD, or let the CD automatically renew.

CNET's picks for the best 1-year CD rates

Bank APY Minimum Deposit
CFG Bank 2.90% $500
Synchrony Bank 2.75% $0
Citibank 2.75% $500
Capital One 2.70% $0
Marcus by Goldman Sachs 2.70% $500
Ally 2.50% $0
Barclays 2.50% $0
My Banking Direct 2.50% $500
PenFed Credit Union 2.30% $1,000
VIO Bank 2.25% $500

Annual percentage yields (APYs) shown here are as of August 31, 2022. APYs may have changed since they were last updated and may vary by region for some products.

More details on the best 1-year CD rates

    CFG Bank
    • APY: 2.90%
    • Minimum deposit: $500
    • Early withdrawal penalty: 90 days interest
    • About the bank: CFG is a Maryland-based community bank that offers competitive rates on CDs with reasonable deposits required to open accounts, making them accessible to a wider range of savers.
    Synchrony Bank
    • APY: 2.75%
    • Minimum deposit: $0
    • Early withdrawal penalty: 90 days simple interest at current rate
    • About the bank: Synchrony is an online-only bank that takes advantage of limited overhead to offer attractive rates for deposit accounts. Transactions can be handled via its website or mobile app. Synchrony Bank also offers additional CD types like bump-up or no-penalty that provide more flexibility.
    Sarah Tew/CNET
    • APY: 2.75%
    • Minimum deposit: $500
    • Early withdrawal penalty: 90 days simple interest
    • About the bank: Citibank is the third-largest US bank offering a comprehensive suite of banking products and services to customers. ATMs and branches are plentiful throughout the US, which will appeal to the customers who prefer a traditional banking experience. However, the mobile app is robust and provides digital banking customers with a suite of tools to handle banking needs around the clock.
    Capital One
    • APY: 2.70%
    • Minimum deposit: $0
    • Early withdrawal penalty: Three months of interest
    • About the bank: Capital One, the 10th largest bank in the US, is an online bank with physical locations that you can visit in nine states across the eastern and southern US. It has also expanded the bank branch concept into a coffee shop styled Capital One Cafe with some banking services available in addition to treats, free Wi-Fi and a workspace that is open to the public.
  • APY: 2.70%
  • Minimum deposit: $500
  • Early withdrawal penalty: 90 days simple interest
  • About the bank: Marcus by Goldman Sachs is the online banking arm of New York-based multinational investment bank and financial services firm. While this is the seventh-largest bank in the US, all deposits must be electronically transferred using its mobile app because there are no branches or ATMs available.
Ally
  • APY: 2.50%
  • Minimum deposit: $0
  • Early withdrawal penalty: 60 days simple interest
  • About the bank: Ally is another online-only bank that offers a robust set of deposit products, loans, and services. The bank also offers bump-up (CDs that adjust to a higher APY if available) and no-penalty CDs. You can handle all of your banking needs through its mobile app or free via the Allpoint ATM network. There are no fees with any accounts, and 24/7 customer support via phone, chat or email.
Barclays
  • APY: 2.30%
  • Minimum deposit: $0
  • Early withdrawal penalty: 90 days simple interest
  • About the bank: The London-based bank has a US digital operation headquarters and offers an online CD application process. The bank provides six different terms for its traditional CDs with no minimum required to open an account. The account must be funded within 14 business days and a minimum balance, enough to earn one cent of interest, and must be maintained to earn interest. CDs automatically renew once the maturity date has passed. 
My Banking Direct
  • APY: 2.50%
  • Minimum deposit: $500
  • Early withdrawal penalty: 90 days interest
  • About the bank: My Banking Direct is a service of New York Community Bank. It offers basic digital and traditional banking products through its website and mobile app; ATM access is available through the Allpoint network. 
PenFed Credit Union
  • APY: 2.30%
  • Minimum deposit: $1,000
  • Early withdrawal penalty: Up to the last 365 days of dividends earned since the account was opened
  • Membership eligibility: PenFed is a credit union open to everyone. It offers a Money Market Certificate that operates exactly like a CD. 
Vio Bank
  • APY: 2.25%
  • Minimum deposit: $500
  • Early withdrawal penalty: 1% of the amount withdrawn, plus a $25 fee 
  • About the bank: VIO Bank is the online division of MidFirst bank that offers competitive rates on savings products. Peer-to-peer transactions tools such as Zelle are not compatible with this bank. Access to savings accounts is provided via online and mobile banking services.

FAQs

Why should I get a 1-year CD?

A certificate of deposit (CD) is a savings product that offers higher rates of interest than traditional savings or money market accounts in exchange for agreeing not to access the funds for a fixed period before the maturity date. You should purchase a 1-year CD if you want to earn a higher rate of interest and can allow the money to remain undisturbed for at least one year.

How should I choose a 1-year CD?

There are several factors involved in choosing the best CD to suit your financial needs. First understanding the variety of CD types will help you decide what works best. Traditional CDs offer fixed terms from three months to five years, generally have strict maturity dates, and don't allow you to modify the initial deposit after opening. However, specialty CDs offer flexibility in some of all of these areas. The interest rates may differ, so you'll need to decide what's more important when choosing a CD -- interest rates or flexibility, to help you make a decision.

Compare the interest rate and annual percentage yield to find the highest paying options. Then determine if there is a minimum deposit required. Next, select the fixed length of time, or term, that you want to purchase. The term should be no longer than when you estimate you'll need to access the funds to avoid any early withdrawal penalty. Finally, you'll need to understand if the CD offers an automatic renewal process only or lets you opt out to manage that process manually. In some cases, a CD will also allow you to determine when interest is dispersed. 

How are the fees and penalties associated with 1-year CDs?

Fees vary depending on the institution. Some banks advertise no fees. Others charge a fee if the account is closed before a set timeframe has elapsed. Most CDs charge a penalty for withdrawing money before the maturity date has passed. The fee is generally based on a percentage of the interest earned.

Can I lose money purchasing a 1-year CD?

Unless you are purchasing a CD offered by a brokerage account, CDs purchased through a bank or credit union are insured by the FDIC for up to $250,000. Any interest compounded is also covered by the insurance making it a low-risk investment. 

What are alternatives to a 1-year CD?

CD terms can vary from three months to five years. Generally, CDs with longer terms of maturity pay higher interest rates. Additionally, there are other safe savings accounts to consider high-yield savings accounts or I bonds.

Methodology

CNET Reviews CD rates based on the latest APY information from issuer websites. We evaluated CD rates from more than 50 banks, credit unions and financial companies. We selected the CDs with the highest APY for one-year terms from among the organizations we surveyed, and considered rates for shorter terms if one-year terms were identical or unavailable.

Banks surveyed include: Alliant Credit Union, Ally Bank, America First Credit Union, American Express National Bank, Axos Bank, Bank of America, Bank of the West, Bank5 Connect, Barclays, BMO Harris, Bread Savings, BrioDirect, Capital One, CFG Community Bank, Citizens Access, Colorado Federal Savings Bank, Connexus Credit Union, Consumers Credit Union, Discover Bank, First Internet Bank of Indiana, First Tech Federal Credit Union, FNBO Direct, GO2bank, Golden 1 Credit Union, HSBC Bank, Huntington Bank, Lake Michigan Credit Union, LendingClub Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, Merrick Bank, Nationwide (by Axos), Navy Federal Credit Union, NBKC, OneUnited Bank, Pentagon Federal Credit Union, PNC, Popular Direct, PurePoint Financial, Quontic Bank, Rising Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, Synchrony Bank, TAB Bank, TD Bank, TIAA Bank, Truist Bank, U.S. Bank, UFB Direct, Union Bank, USAA Bank, Vio Bank, and Wells Fargo.

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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