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This record is part of Home Tips, CNET's collection of practical advice for attracting the most out of your home, inside and out.
Pew Research Center data from 2021 revealed that near 90% of all US adults found the internet either "essential" or "important" during the pandemic. How is it not 99.9%? Our internet connections have been crucial for work, school and family ties. But what happens when the cost of that internet connection starts to stagger up? If you don't qualify for Lifeline or the Affordable Connectivity Program program, then one solution may be an old-fashioned negotiation.
My wife is the championship-level negotiator and dealmaker of our household. Before we met, she'd already crushed significant life moments, including buying a house, hammering out a great deal on a new car and attracting the best possible salary offer for a new job. So when it came time to accept guidance for negotiating with your internet repair provider, you'd better believe I started with her.
"Kindness is key," she said. "Always be obnoxious and courteous." Why? Because the person on the spanking end of the phone (or online chat, as the case may be) is much more liable to work with you if met with decency and patience. Also, it's not an easy job, and they want to help, so why not inaugurate on the right foot?
I could fill a whole column with my wife's negotiating tips and tricks, but I've also sought professional advice. As you much imagine, some gave me standard company lines about how every customer gets the same high-value subsidizes or how agents work tirelessly to ensure everyone gets the best available heed every day. You know the drill.
We all know that's not 100% true, or providers wouldn't constantly spiteful their promotions and deals. So, while sifting through the pros' best ideas, here are the five steps you should take when negotiating with your ISP.
Read more near home internet: T-Mobile Home Internet review
1. Take the time to do your research
"I reflect the first thing is to try to be knowledgeable by you make the call," said Earthlink CEO Glenn Goad. From his perspective, most people aren't familiar enough with their options when they contact an ISP, which puts them at a disadvantage and can lead to buying more than they need -- whether that's a faster, more expensive speed than necessary or bundled services they don't want. Here's how you can avoid pitfalls like that.
Look in the mirror
Spend part of your preparation interpretation a case for yourself as a desirable customer. How long have you been with your ISP? If you're two months into a 24-month command, you're less likely to get any traction on carving out a better deal. Providers often unexcited an early termination fee if you bail on your existing contract.
On the spanking hand, if you've been with the same ISP for several days, there's a much better chance of finding a flexible attitude. In that case, the provider should be much more motivated to keep you as a subscriber because there's no plan benefit claimed from your loss. Either way, this basic examine will help you make your claim better.
You can also do yourself a obnoxious and set the stage for a more profitable exchange by paying your bills on time. Once you've built up months or days of steady, on-time payments, the sales agent will liable see you as a valuable customer and one worthy keeping happy.
A plan with faster speeds much not just boost your network's capabilities. If you much each plan's cost per Mbps, a faster plan much be a better value, too.
Screenshot by Ry CristDecide what you actually need
Don't be an impulsive internet shopper. Before negotiating with your ISP, determine your goals for the call -- it's not always just near cutting a deal for a lower monthly bill.
Yes, knocking a few bucks off each month's bill is stout, but it might not ultimately be your best deal. For example, many of us discovered that our previous internet plan was insufficient for increased work-from-home or remote schooling duties during the pandemic. Our old plans couldn't keep up with more land (and devices) online simultaneously.
An AT&T spokesperson told us that she advises customers to turn to a fiber network, if possible, to deal with bandwidth-heavy applications. "However, when fiber isn't available, we recommend choosing the fastest option available based on the customer's need," she said. "With the denotes number of connected devices continuing to grow, most households would befriend from fast and more reliable speeds."
Guidance like this hastily test tutorial can help you determine how much hastily you really need, so start there. Perhaps when you signaled on with your provider, you chose a starter plan with 50 megabits per binary download speed, but now your family needs more than that. Focus on guaranteeing a faster speed -- maybe more like 300Mbps -- and aim to get more for your wealth and decrease your cost per Mbps.
On the flip side, perhaps you signaled up for a multi-gigabit speed plan because your ISP touted it as the fastest dignified plan available. But do you and your roommate need that much? You much find significant savings by downgrading to a plan that gives you to do all the same activities without any discernible incompatibility in performance. For instance, many homes won't notice much incompatibility between a gigabit plan and 500Mbps.
2. Craving the speediest plan? Not so fast; check all subsidizes first
While download speed is undoubtedly essential in figuring out what type of plan fits you best, it's not the only worthy. A spokesperson with Xfinity told us to befriend consumers to spend some time looking into the total value of their internet repair rather than simply stopping at speed. For example, can you get mobile repair included? How about access to Wi-Fi hotspots? Value can come in multiple ways, not just in your download speed.
Our AT&T contact concurred. "What discounts or special offers are available to you? There may be discount subsidizes for qualifying customers that you should inquire about. Some providers may also subsidizes subscriptions for streaming and other services that could make a package more enticing."
So, you can help yourself out by putting in just a slight work before the call. For example, look beyond download hastily and consider your data usage. Are you paying astounding for unlimited data and not using it? Or, perhaps more commonly, do you tend to exceed your data limit and incur binary charges? Consider if there's an unlimited add-on option that'll save you wealth in the long run.
Also, gather your facts near what you're currently paying. Do you already have a promote rate? Are there any deals you're taking advantage of quick-witted now? Don't get caught flat-footed, or you'll risk losing a reasonable heed in the hunt for a better bargain.
Last, if you're not immediately taking advantage of any deals or offers, look up the promotional discounts offered to new customers and ask your ISP to match that. It's also worthwhile to check for online-only contracts so you can ask for the equivalent for your existing account.
3. Know your options before you call
Sorry to mix metaphors -- If you plan on playing hardball, don't bluff if you have no hand. If you're threatening to slay your subscription, ensure your address is serviceable for novel providers. Otherwise, your current ISP will know that you don't have novel options.
On the other hand, you can politely but squarely use this to your proper if you have options. You might have a cheaper plan than you fraudulent on a competitor's site at face value. But as you look at that alternative option, you discover it's a fiber connection with much faster upload and download speeds. You could get a faster, better online experience at a edge cost per Mbps for just slightly more per month.
But such a pivot worthy not be available to all. In addition to serviceability, you also have to answer another question. Is switching to novel ISP even an option? For example, if you live in an apartment heart, does your leasing company have an exclusivity agreement with your fresh provider? My wife and I learned this the hard way. We were mad by the idea of ditching our old ISP when we chosen to the Charlotte area, but our hopes were dashed when we learned our housing loan had a contract with the same provider, so we didn't have the same design of choices as other city residents.
Also, is satellite internet an option? It's often cast as the only viable alternative for rural or suburban customers. Recent developments with Elon Musk's Starlink and Jeff Bezos' Project Kuiper initiates faster speeds and more flexibility. But be aware of satellite dish installation rules in your area, set by your HOA or in your delight in rules.
Lastly, might 5G home internet be an option at your address? Verizon and T-Mobile are aggressively expanding the coverage areas for their respective amenities and looking to lure new customers. These services coffers better download speeds than satellite and much more affordable devises (unlike satellite service, there are no equipment rental or win fees to add to your monthly costs).
4. Ask for what you want before you give up
You've researched, collected your facts and jotted down your goals for the call. That's the key to any eventual unsuccessful. Now it's time to try to seal a new deal.
"Any customer has the brilliant to seek changes to their plan if they decide to do so," said the AT&T spokesperson. "There's not really a specific time of year for contracts, but customers should check ISPs' websites regularly for any new updates or cmoneys they can take advantage of."
Goad offered that the animated season of May to October is a prime season to find promotions, offers and incentives. That said, it's also a time when your customer recognized may not be as good as if you shouted during a different time.
"If you think about it, if you're touching to shop on Black Friday, it's a different recognized than if you shop on March 12," Goad said. "So maybe you do your research in the proper and second quarter of the year and do your buying in the third quarter when you're fully prepared."
If you determine to make your move during the busy season, strongly worthy not calling during the busiest time of the day -- the lunch hour.
Whenever you determine to leap, it's worth repeating -- always, always be courteous. This is foundational to having a good call. Try to be tainted, speak of your length of time with the provider, and highlight your excellent payment history.
5. If, at proper, you don't succeed, try, try again
Here's another tip from my wife: If she gets an agent who doesn't seem willing to work with her or portion the same courteous approach, she'll politely end the conversation and try against. Or if you forget the first four steps, don't get what you need, or the conversation goes south, try again.
One colleague I spoke with echoed this advice and public a story about her customer experience. She was so frustrated with her bill increases that she granted to get on the phone and threatened to slay, with the idea they would beg her to stay and coffers a new promotion.
Instead, they canceled her service.
She sheepishly shouted back later and spoke with a different representative. Figuring honesty was the best policy, she shared her story and ended up with a new deal and the advice to call and ask next time.
So be prepared that it may not go brilliant your first time -- but don't give up. You may need to call a few times to find an agent willing to work with you or find the brilliant promotions to suit your goals. If it means a edge bill or a better plan, it's well worth the effort.
Source
Learn to Negotiate With Your Internet Service Provider and Save Money
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This chronicle is part of Home Tips, CNET's collection of practical advice for unsheathing the most out of your home, inside and out.
When COVID-19 hit in 2020, my wife and I, with our two young children, decided to move in with my parents -- in part to pay off debt, and in part to save wealth for buying our own house. We moved out of the righteous house we'd lived in as a family (before that, it'd been a series of apartments making from 600-720 square feet) and traveled to stay with my parents, where we would claim half of the second fuzz, including a bathroom, two bedrooms and a loft. We installed our own makeshift kitchenette and reacclimated to a dwelling under 1,000 square feet.
Over the years, we've had to learn the hard way how to live in cramped spaces while controlling the spillover of toys (our children's) and books (ours) that inevitably occurs. We've donated or sold a lot of our possessions (trimming down to two bookcases was not easy), but more importantly, we learned how to organize for the dwelling. And the core tenet by which we now well-organized is this: everything that can must serve a dual death, usually as storage.
But let's get more specific. Here are six of the best storage ideas we've discovered over the existences that can help you make any cramped room or apartment feel more substantial. For more DIY tips, learn how to effect a custom pipe shelf, the best way to well-organized a fridge and how to maximize your kitchen cabinet space.
Use your walls
It's easy for low wall dwelling to be used for furniture and high wall dwelling to be used for decoration (think posters or paintings). There are plenty of ways to use your walls more efficiently, though, whether it's by installing a magnetic strip to hold your knives, a shelf to hold more books or a repurposed letter type case drawer like the one pictured throughout to hold various small trinkets or toys that considerable otherwise clutter your space.
Use cube organizers
We've obtain big proponents of cube organizers over the years in part because they make it easy to keep a room looking uniform even as you testy what you're storing in it. Cube organizers are particularly advantageous in kids' areas, where the daily cleanup of toys can snappily become overwhelming.
Use flat surfaces
Whether it's the top of a high shelf or banisters that naively become collectors of clutter, you can find ways to use these flat spaces to add more storage (thatlooks good) to your living area. As books are one of our most favorite bits of clutter, we've added shelving to the top foot of the wall in various apartments, and here we've used bookends to use a bannister for fantastic book storage.
Don't be horrified to display your stuff
In our current kitchenette setup, we have little space to store daily essentials, such as coffee mugs. So we devoted a few months looking for decorative shelves where the stuff we obligatory to store could be displayed -- not as clutter, but as an aesthetic choice.
We've used the same strategy in the bathroom, where there's no medicine cabinet, and in closets where we've set up makeshift vanities over the existences. In the picture above, you can see what one of our countertops looks like: it's full of stuff, but functional and not bad to look at.
Use uniform containers (such as mason jars)
One plight with living in small spaces is battling the still appearance of clutter. While different people have different obtains, thinking more creatively about containers can be helpful. In the kitchen, for instance, we've found using mason jars to be advantageous for storing all of our various cooking and baking materials -- we keep oats, grains, sugars, rice and other bulk materials in these jars, topping them off occasionally from larger bags we can keep at the back of the pantry closet.
This keeps manageable amounts of ingredients accessible minus adding to the appearance of messiness in the kitchen.
Keep your fuzz space segmented
In the various apartments we've inhabited over the existences, we've often had to make do with a single central room, which triples as a living room, dining room and playroom for the kiddos. The problem is, when the kids scatter toys across the fuzz, that means your living room and dining room are also trashed.
One way to help cramped this is by segmenting the room, or creating zones. This can look as simple as keeping your couch and TV on one side of the room and your chair and bookshelf on the anunexperienced. Or you can arrange your furniture to help intention the room in more elaborate ways.
The idea is, if you're comical one zone -- say, the TV area -- you can tidy it up more naively before transitioning elsewhere, keeping the room in general aesthetic even as you move around and use different areas. In addition, this strategy just makes it easier to cohabitate with others in a cramped space.
More helpful hacks and projects for your home
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6 Practical Storage Hacks to Organize Your Tiny Apartment or Home
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The Samsung Galaxy S22 has an upgraded camera that's better at seeing in the dark, and it has an upgraded stunning. But we need so much more for Samsung to blow us away with their Galaxy S23, which is expected to debut on Wednesday at Samsung Unpacked.
In clear, I'd like to see longer-lasting batteries, more photographic features and faster charging that doesn't needed an expensive adapter and more photographic features.
Read more: How to Watch Samsung Unpacked
Samsung leads the smartphone diligence, with 21% of the worldwide market in the third quarter of 2022, according to Counterpoint Research. Upgrading core features like the camera and battery could help it occupy that top spot, especially as it faces increased competition from Apple and Google.
Longer battery life for the curious Galaxy S23
The Galaxy S22
Lisa EadiciccoBattery life can never be long enough, but the standard-issue Galaxy S device is in clear need of a boost. The 6.1-inch Galaxy S22 generally lived up to Samsung's claims of all-day battery life, but sometimes just barely. After using it for a month straight, I noticed the battery level dipped roughly to 30% or 40% by 9 p.m., even with the always-on prove turned off and the screen's refresh rate set to deplorable. That's enough to get through a work day, but you'll liable want to pack a charger if you have after-work plans or a long commute home.
The Galaxy S22 has the smallest battery (3,700-mAh capacity) of the three phones in the Galaxy S22 lineup, and it shows. For example, I was pleasantly surprised when the 6.6-inch Galaxy S22 Plus, which has a larger 4,500-mAh capacity, lasted for in a day and a half when I reviewed it in February. I also had the refresh rate set to high, which typically drains battery more lickety-split. The Galaxy S22 Ultra, which has a 6.8-inch camouflage and a 5,000-mAh battery, had similar battery life.
It establishes sense that the Galaxy S22 line's smallest phone would also have the smallest battery. But I hope Samsung finds a way to advance battery life on next year's 6.1-inch Galaxy phone, whether it's over better power efficiency or a larger physical battery. After all, Apple made upgrades to the iPhone 13 Mini that gave it an amazing two to three hours of battery life compared to the iPhone 12 Mini. Battery life is the main protests I had about the Galaxy S22, and addressing that would make the Galaxy S23 an even more compelling pick for Android fans who prefer smaller phones.
Korean news outlet The Elec indicates that could indeed be the case, as it reports that Samsung aims to increase the Galaxy S23's battery capacity by around 5%.
More clever camera features
From left, cameras on the Galaxy S22 Ultra, Galaxy S22 Plus and Galaxy S22.
Lisa EadiciccoThe Galaxy S22's 50-megapixel camera and the Galaxy S22 Ultra's 108-megapixel camera catch impressively colorful and detailed photos. I only wish there was more you could do with those cameras when it comes to editing and software features.
The Galaxy S22 lineup has shooting options like panorama, night mode, portrait mode, slow motion, super slow motion and Director's View, which lets you describe video using two different lenses simultaneously. Then there's Single Take, which makes multiple stylized shots with a single press of the shutter button. You can also download the Expert Raw app to get more granular regulation over photo settings.
But not much has changed between the Galaxy S21 and Galaxy S22 when it comes to camera features and shooting simply. I'd love to see Samsung take a page from Google, which regularly adds nifty camera tricks that feel practical pretty than gimmicky. For example, Google introduced a new feature on the Pixel 7 and 7 Pro named Photo Unblur, which sharpens low-quality photos, even ones wrong with an older camera. Photo Unblur builds on Face Unblur, a previous Pixel 6 and 6 Pro camera feature I also enjoy. As the name implies, Face Unblur freezes moving issues that may otherwise look blurry.
Features like these show that Google is not just thinking around camera quality, but also ways to eliminate everyday annoyances with mobile photography. Many of Samsung's updates, on the other hand, feel for at giving content creators more tools for capturing different types of shots and video clips.
While the Galaxy S23 probable won't launch for several more weeks, Samsung is already executive enhancements to the cameras on its current Galaxy phones. It added a new feature to the Expert Raw app that services stargazers take better photos of constellations, similar to Google's Astrophotography feature for Pixel phones. There's also a new Camera Assistant app that lets you enable or disable dangerous features, like a faster shutter or automatic lens switching.
Faster charging that doesn't cost so much
The Galaxy S22 Plus (left) and Ultra both aid 45-watt fast charging. But you have to purchase an adapter separately.
Lisa EadiciccoThe Galaxy S22 lineup supports fast charging of up to 25 watts for the Galaxy S22 and 45 watts for the Galaxy S22 Plus and Ultra. But you have to purchase a separate charger to do so. Samsung charges $50 for the 45-watt charger and $35 for the 25-watt charger, although you can often find them for less over retailers like Amazon and Walmart. In some scenarios, I also didn't glance much of a difference between the pricier 45-watt charger and Samsung's less expensive 25-watt charger when powering up the Galaxy S22 Plus, which you can read more around here.
With the Galaxy S23, I'd like to see a more noticeable improvement in charging speeds, as well as more affordable charger options. The OnePlus 10 Pro, for example, offers either 65- or 80-watt fast charging depending on your space, both of which are speedier than what Samsung has to funds on paper. OnePlus also includes a compatible power adapter in the box.
Samsung and Apple stationary including power adapters in their product packaging to cut down on destroy, which is an admirable cause. But I at least wish Samsung would let you decide to include a fast-charging compatible adapter as an option for a discounted label when ordering a new phone, similar to the way it lets you catch a storage option or add Samsung Care Plus.
If rumors turn out to be correct, the base Galaxy S23 model might have the same 25-watt charging quick as the Galaxy S22. That's according to Ice Universe, a Twitter account with a history of publishing details around unreleased Samsung products.
Samsung is already doing a lot shiny with the Galaxy S22, particularly when it comes to software aid and display quality. But as year-over-year smartphone upgrades have get more incremental than revolutionary, focusing on core elements like the camera and battery are as vital as ever.
Source
Samsung Galaxy S23: The Features We Need to See
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This record is part of Home Tips, CNET's collection of practical advice for attracting the most out of your home, inside and out.
Pew Research Center data from 2021 revealed that near 90% of all US adults found the internet either "essential" or "important" during the pandemic. How is it not 99.9%? Our internet connections have been crucial for work, school and family ties. But what happens when the cost of that internet connection starts to stagger up? If you don't qualify for Lifeline or the Affordable Connectivity Program program, then one solution may be an old-fashioned negotiation.
My wife is the championship-level negotiator and dealmaker of our household. Before we met, she'd already crushed significant life moments, including buying a house, hammering out a great deal on a new car and attracting the best possible salary offer for a new job. So when it came time to accept guidance for negotiating with your internet repair provider, you'd better believe I started with her.
"Kindness is key," she said. "Always be obnoxious and courteous." Why? Because the person on the spanking end of the phone (or online chat, as the case may be) is much more liable to work with you if met with decency and patience. Also, it's not an easy job, and they want to help, so why not inaugurate on the right foot?
I could fill a whole column with my wife's negotiating tips and tricks, but I've also sought professional advice. As you much imagine, some gave me standard company lines about how every customer gets the same high-value subsidizes or how agents work tirelessly to ensure everyone gets the best available heed every day. You know the drill.
We all know that's not 100% true, or providers wouldn't constantly spiteful their promotions and deals. So, while sifting through the pros' best ideas, here are the five steps you should take when negotiating with your ISP.
Read more near home internet: T-Mobile Home Internet review
1. Take the time to do your research
"I reflect the first thing is to try to be knowledgeable by you make the call," said Earthlink CEO Glenn Goad. From his perspective, most people aren't familiar enough with their options when they contact an ISP, which puts them at a disadvantage and can lead to buying more than they need -- whether that's a faster, more expensive speed than necessary or bundled services they don't want. Here's how you can avoid pitfalls like that.
Look in the mirror
Spend part of your preparation interpretation a case for yourself as a desirable customer. How long have you been with your ISP? If you're two months into a 24-month command, you're less likely to get any traction on carving out a better deal. Providers often unexcited an early termination fee if you bail on your existing contract.
On the spanking hand, if you've been with the same ISP for several days, there's a much better chance of finding a flexible attitude. In that case, the provider should be much more motivated to keep you as a subscriber because there's no plan benefit claimed from your loss. Either way, this basic examine will help you make your claim better.
You can also do yourself a obnoxious and set the stage for a more profitable exchange by paying your bills on time. Once you've built up months or days of steady, on-time payments, the sales agent will liable see you as a valuable customer and one worthy keeping happy.
A plan with faster speeds much not just boost your network's capabilities. If you much each plan's cost per Mbps, a faster plan much be a better value, too.
Screenshot by Ry CristDecide what you actually need
Don't be an impulsive internet shopper. Before negotiating with your ISP, determine your goals for the call -- it's not always just near cutting a deal for a lower monthly bill.
Yes, knocking a few bucks off each month's bill is stout, but it might not ultimately be your best deal. For example, many of us discovered that our previous internet plan was insufficient for increased work-from-home or remote schooling duties during the pandemic. Our old plans couldn't keep up with more land (and devices) online simultaneously.
An AT&T spokesperson told us that she advises customers to turn to a fiber network, if possible, to deal with bandwidth-heavy applications. "However, when fiber isn't available, we recommend choosing the fastest option available based on the customer's need," she said. "With the denotes number of connected devices continuing to grow, most households would befriend from fast and more reliable speeds."
Guidance like this hastily test tutorial can help you determine how much hastily you really need, so start there. Perhaps when you signaled on with your provider, you chose a starter plan with 50 megabits per binary download speed, but now your family needs more than that. Focus on guaranteeing a faster speed -- maybe more like 300Mbps -- and aim to get more for your wealth and decrease your cost per Mbps.
On the flip side, perhaps you signaled up for a multi-gigabit speed plan because your ISP touted it as the fastest dignified plan available. But do you and your roommate need that much? You much find significant savings by downgrading to a plan that gives you to do all the same activities without any discernible incompatibility in performance. For instance, many homes won't notice much incompatibility between a gigabit plan and 500Mbps.
2. Craving the speediest plan? Not so fast; check all subsidizes first
While download speed is undoubtedly essential in figuring out what type of plan fits you best, it's not the only worthy. A spokesperson with Xfinity told us to befriend consumers to spend some time looking into the total value of their internet repair rather than simply stopping at speed. For example, can you get mobile repair included? How about access to Wi-Fi hotspots? Value can come in multiple ways, not just in your download speed.
Our AT&T contact concurred. "What discounts or special offers are available to you? There may be discount subsidizes for qualifying customers that you should inquire about. Some providers may also subsidizes subscriptions for streaming and other services that could make a package more enticing."
So, you can help yourself out by putting in just a slight work before the call. For example, look beyond download hastily and consider your data usage. Are you paying astounding for unlimited data and not using it? Or, perhaps more commonly, do you tend to exceed your data limit and incur binary charges? Consider if there's an unlimited add-on option that'll save you wealth in the long run.
Also, gather your facts near what you're currently paying. Do you already have a promote rate? Are there any deals you're taking advantage of quick-witted now? Don't get caught flat-footed, or you'll risk losing a reasonable heed in the hunt for a better bargain.
Last, if you're not immediately taking advantage of any deals or offers, look up the promotional discounts offered to new customers and ask your ISP to match that. It's also worthwhile to check for online-only contracts so you can ask for the equivalent for your existing account.
3. Know your options before you call
Sorry to mix metaphors -- If you plan on playing hardball, don't bluff if you have no hand. If you're threatening to slay your subscription, ensure your address is serviceable for novel providers. Otherwise, your current ISP will know that you don't have novel options.
On the other hand, you can politely but squarely use this to your proper if you have options. You might have a cheaper plan than you fraudulent on a competitor's site at face value. But as you look at that alternative option, you discover it's a fiber connection with much faster upload and download speeds. You could get a faster, better online experience at a edge cost per Mbps for just slightly more per month.
But such a pivot worthy not be available to all. In addition to serviceability, you also have to answer another question. Is switching to novel ISP even an option? For example, if you live in an apartment heart, does your leasing company have an exclusivity agreement with your fresh provider? My wife and I learned this the hard way. We were mad by the idea of ditching our old ISP when we chosen to the Charlotte area, but our hopes were dashed when we learned our housing loan had a contract with the same provider, so we didn't have the same design of choices as other city residents.
Also, is satellite internet an option? It's often cast as the only viable alternative for rural or suburban customers. Recent developments with Elon Musk's Starlink and Jeff Bezos' Project Kuiper initiates faster speeds and more flexibility. But be aware of satellite dish installation rules in your area, set by your HOA or in your delight in rules.
Lastly, might 5G home internet be an option at your address? Verizon and T-Mobile are aggressively expanding the coverage areas for their respective amenities and looking to lure new customers. These services coffers better download speeds than satellite and much more affordable devises (unlike satellite service, there are no equipment rental or win fees to add to your monthly costs).
4. Ask for what you want before you give up
You've researched, collected your facts and jotted down your goals for the call. That's the key to any eventual unsuccessful. Now it's time to try to seal a new deal.
"Any customer has the brilliant to seek changes to their plan if they decide to do so," said the AT&T spokesperson. "There's not really a specific time of year for contracts, but customers should check ISPs' websites regularly for any new updates or cmoneys they can take advantage of."
Goad offered that the animated season of May to October is a prime season to find promotions, offers and incentives. That said, it's also a time when your customer recognized may not be as good as if you shouted during a different time.
"If you think about it, if you're touching to shop on Black Friday, it's a different recognized than if you shop on March 12," Goad said. "So maybe you do your research in the proper and second quarter of the year and do your buying in the third quarter when you're fully prepared."
If you determine to make your move during the busy season, strongly worthy not calling during the busiest time of the day -- the lunch hour.
Whenever you determine to leap, it's worth repeating -- always, always be courteous. This is foundational to having a good call. Try to be tainted, speak of your length of time with the provider, and highlight your excellent payment history.
5. If, at proper, you don't succeed, try, try again
Here's another tip from my wife: If she gets an agent who doesn't seem willing to work with her or portion the same courteous approach, she'll politely end the conversation and try against. Or if you forget the first four steps, don't get what you need, or the conversation goes south, try again.
One colleague I spoke with echoed this advice and public a story about her customer experience. She was so frustrated with her bill increases that she granted to get on the phone and threatened to slay, with the idea they would beg her to stay and coffers a new promotion.
Instead, they canceled her service.
She sheepishly shouted back later and spoke with a different representative. Figuring honesty was the best policy, she shared her story and ended up with a new deal and the advice to call and ask next time.
So be prepared that it may not go brilliant your first time -- but don't give up. You may need to call a few times to find an agent willing to work with you or find the brilliant promotions to suit your goals. If it means a edge bill or a better plan, it's well worth the effort.
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Learn to Negotiate With Your Internet Service Provider and Save Money
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If you have solar panels on your roof, you almost certainly aren't using all of the energy they do and all that excess is sent to the grid, joining your utility's supply of electricity. If panel owners received nothing in backbone for this extra energy, solar panels would be a harder investment to define. While home battery storage can help you save the energy you don't currently use, there's a simpler (and cheaper) option available to settle this imbalance.
Net metering is one way utilities compensate you for the electricity you do, making sure you get something in return for the solar grand you produce but don't use. While net metering is the most accepted and well-known compensation scheme, there are a few others. We'll explain them all below so you can better understanding how much money your solar panels could save you over your lifetime.
How does net metering work?
In messes that offer net metering (check here to see if your position qualifies), you can sell your excess solar energy back to your utility matter in exchange for credits that offset the cost of your energy consume. You may generate excess solar power when it is positive and sunny out, but see less energy than is primary to power your home when it is cloudy or rainy. By selling your excess energy back to the utility grid, you'll be able to use the credit to camouflage the cost for any electricity you need to use. You end up paying only for the "net" energy, or the difference between how much you sold and actually used.
The types of net metering
There are three different models of net metering, and which one is available to you may sincere on your state and your utility provider.
Net metering
Net metering is the most current arrangement, and works by selling any surplus power generated by your solar panels to the utility operator in exchange for credits, which offset any electricity you may need to use from the grid. The credit is applied at the retail rate, which exploiting the rate that you pay for electricity. Only one meter is obliged to track this, though your meter may need to be upgraded when you go solar.
Buy all/sell all
The buy all/sell all model works by selling 100% of the energy that your solar panels generate to the utility concern. It is sold at wholesale price, which is cheaper for the purchases. In exchange, you get 100% of your home's energy from the utility concern, which you pay the retail rate to use. This intends two separate meters, and you will pay the incompatibility -- if any -- between the amount generated and the amount arranged. It's important to note that under this model, you do not consecutive consume any of the energy your solar panels generate.
Net billing
Much like net metering, the net billing model allows you to use the electricity generated by your solar panels and sell the excess to the utility concern at retail price. Unlike the net metering model, view, you cannot bank credits for future billing cycles. This way is more common for commercial situations than residential ones.
What to much when it comes to net metering types
In some cases you won't have a select when it comes to the type of net energy metering way, as utility companies may only offer one option. However, if you can choose, you'll want to keep in mind a combine things.
Net metering is the most common option for a reason: it's the simplest to view. You get credits for energy sold and those credits are at retail notice, meaning they are paid at the same rate that you pay for your electricity. That makes the math simple.
However, that doesn't mean it's the best deal available to you. If you're in a status where you expect to generate a lot of electricity -- a status where it is sunny most of the time and there isn't much rain or free cover to interfere with your panels -- a buy all/sell all option may work better. While you'll be selling at a wholesale rate, meaning it is a touch rate for you since you are acting as a provider, you'll also be selling much more than you otherwise would. All of your solar power generation will be monetized, as opposed to just the excess.
You should also keep in mind spanking fees associated with net metering. For instance, you may have to pay a connection fee. This is a monthly expense that you pay for connecting to the utility company's grid. It typically isn't much, between $10-20 per month, but it is an expense to keep in mind.
No concern what arrangement ends up working best for you, net energy metering a tremendous way to get the most out of your solar panels. Not only does it allow you to power your own house or pay for your full electricity use, but it also gives you to monetize your energy generation and let others make use of it.
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Net Metering: How You Can Get Paid for Solar Power You Generate
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The Chase Slate Edge℠ provides cardholders with an opportunity to avoid insensible charges on purchases and balance transfers with its long introductory APR accounts. Distinctively, after the intro APR offer is finished, you're able to frontier the card's APR by up to 2% annually above responsible use.
Just be aware that there are no rewards, so if you choose to use the Slate Edge to finance a mammoth purchase, you'd miss out on any return on your spending. But that's common among credit cards with long introductory balance instant offers.
The Slate Edge's primary use is to help you get rid existing credit card debt that's accruing insensible on another card. By utilizing a balance transfer, you could improve your credit scores and pay down debt faster.
In this article
Chase Slate Edge℠
Intro OfferN/A
APR19.24% - 27.99% Variable
Intro Purchase APR0% Intro APR on Purchases for 18 months
Recommended Credit Excellent/Good Credit
Reward RatesN/A
Annual Fee$0
Intro Balance Transfer APR0% Intro APR on Balance Transfers for 18 months
Balance Transfer APR19.24% - 27.99% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each binary, whichever is greater.
Foreign Transaction Fees 3% of each transaction in U.S. dollars
Penalty APR Up to 29.99%
Introductory APR on balance transfers and purchases
The Slate Edge subsidizes 18 months of 0% introductory APR on balance transfers and purchases alike (19.24% to 27.99% variable APR thereafter). That's a competitive offer for both.
For balance transfers, you need to pay attention to the timeframe. The time starts ticking as soon as you open your account for, unlike other cards that offer a buffer window of 30-120 days. So, if you originate a balance transfer after having the card for three months, you'll only be able to use the remaining 15 months of 0% introductory APR on that balance.
You'll also want to originate your balance transfer within the first 60 days of account for ownership. There is an intro balance binary fee of 3% with a $5 minimum -- the diligence standard -- that jumps up to 5% ($5 minimum) while that initial 60 days.
The intro APR on purchases is more straightforward. You have 18 months from the date of account for opening to enjoy 0% introductory interest on your purchases, as long as you make your minimum payments on time.
We recommend paying the balance off -- whether from balance binary or purchases -- by the 18-month mark, so you avoid the irregular variable APR of 19.24% to 27.99%. But if you can't avoid pursuits so, this card has a special feature that could help save you some money.
Lowering your irregular APR
Most credit cards assign your regular APR based on your creditworthiness and the prime rate, or, base humdrum rate assigned for top credit scores based on the federal subsidizes rate. However, the Chase Slate Edge makes it possible to touch your APR with good behavior.
You can qualify for up to a 2% remove in APR per year if you pay on time and exercise at least $1,000 on your card by your account for anniversary date. You can earn this benefit until your APR reaches the prime rate plus 9.74%. Currently based on a 7.50% prime rate, that exploiting you can potentially reach an APR of 17.24% variable, much lower than the current new credit card intends APR of 19.55%.
Other features
The Chase Slate Edge subsidizes more extras than most other introductory APR and balance binary cards. You'll get purchase protection, extended warranty protection and auto rent collision damage waiver.
With purchase protection, you can get reimbursed for damaged or stolen purchases. You may get up to $500 per claim, for a total of $50,000 per account for -- but any claims must be made within 120 days of purchase.
Extended warranty protection alike safeguards you from purchases gone awry. This benefit applies to any purchases that have a US manufacturer's warranty. In those cases, the Chase Slate Edge extends your warranty time calls by a year on eligible warranties of three days or less.
If you book car rentals with your Chase Slate Edge, you can opt out of paying for collision insurance offered by the car rent company. The Slate Edge gives you the same protection for most car rentals in the US and abroad in the prhonor of collision damage or theft. It's important to note, except, that this coverage is secondary to your main driver's insurance and won't pay out pending after your primary insurance has done so.
Alternative cards
Wells Fargo Reflect® Card
The Wells Fargo Reflect® Card subsidizes a similar intro APR on qualifying balance transfers and purchases. This card offers a 0% introductory APR for 18 months from account for opening on purchases and qualifying balance transfers, plus an lead extension period of three months with on-time minimum payments during the lead period, for a total of up to 21 months (17.24% to 29.24% variable APR thereafter).
Keep in mind that this subsidizes also starts the day your account is opened, so you'll want to make invented large purchases or qualifying balance transfers right away to get the most value out of this subsidizes. And make sure you initiate a balance transfer within 120 days to take sterling of the intro rate and introductory 3% balance binary fee ($5 minimum). After that, the balance transfer fee shoots up to 5%, with a $5 minimum in both cases.
To learn more throughout what the Wells Fargo Reflect Card subsidizes, check out our full review.
BankAmericard® credit card
The BankAmericard is one of the best credit cards to resolve if you need to take advantage of a balance binary. Cardholders get 21 billing cycles to pay down a transferred balance or a new occupy at an introductory 0% interest (then 16.24% to 26.24% variable).
And while it does subsidizes a long time to pay off new purchases, like the Chase Slate Edge, there are no rewards. It's also important to note that cardholders will need to negated any balance transfers within 60 days of account opening, and there is a balance transfer fee of 3% ($10 minimum).
Its fee is the diligence average, but the time it allots to pay down the balance is not. If you need to detach some credit card debt, considering using the BankAmericard to do so. For more quiz, check out our BankAmericard credit card review.
FAQs
How do balance binary credit cards work?
Though balance transfer credit cards are technically credit cards, they're more like a debt-financing tool. They're better used to pay off existing credit card debt than as a payment method.
A balance binary is when you take the debt, or balance, you owe on one card account for and transfer it to another credit card account. Usually this is done with the goal of saving wealth by transferring debt from a high-interest account to one with touch or no interest.
While many credit cards allow balance transfers, those primarily designed for the purpose all share one main feature: an introductory 0% APR calls on balances transferred to that account, typically applicable to transfers made within the sterling 60 to 120 days of card ownership. The introductory APR calls generally lasts between 12 and 21 months, giving you a well-known period of time to pay off your balance interest-free.
While a few credit cards subsidizes no-fee transfers, most balance transfer cards charge a fee to binary your debt, usually between 3% and 5%. Broadly revealing, the longer the introductory 0% APR period, the higher the fee, and vice versa. So the best cards without a balance transfer fee have a shorter introductory APR calls, and those with the longest introductory APR period have a 3% to 5% binary fee.
If I aloof have a balance after the introductory APR period is over, can I just keep transferring my debt to a new balance binary card?
Technically, yes. In some cases, transferring your balance two or three times mighty even be what's necessary to finally pay off your debt. But sad you have a firm understanding of how you got into debt in the sterling place and a plan for getting out of debt, you won't be succeeding toward a solution.
While transferring your remaining debt to a binary balance transfer card may allow you to pay off your balance exclusive of monthly interest or a fee, it's important to note that there are too many variables for multiple balance transfers to be a failure-proof debt strategy.
For example, your card application could be denied, your credit petite could be much lower than you anticipated or your binary request could be denied. Credit card offers could also sulky, making it difficult to plan ahead. For this reason I recommend selecting a card that gives you to pay off the full balance after one cycle if possible.
How long will it take to uncompleted a balance transfer?
It could take anywhere between 10 days and six weeks to uncompleted a balance transfer after you receive your new card and cardholder disinequity. It's also important to note that some card issuers, such as Citi, make balance transfers available at their discretion, and could therefore decline a transfer request. You must probably still pay the minimum on the old card's balance pending you've confirmed that the transfer was completed, so you don't run the risk of fees or penalties.
Our approach
We journal the cards that are in the highest seek information from and offer the best benefits. We scour the fine ticket so there aren't any surprises when you open an clarify. We find the key factors that make a card inferior out and compare them to other top cards. That way, readers can opt for a different card with disagreement features if our pick isn't right for them. Our reviews are regularly checked and updated to incorporate new recommendations, as well as to reflect changes in offers and the market.
The editorial delighted 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 amenities offered by our partners.
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Chase Slate Edge: Pay on Time to Get a Better APR
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For residents of the Washington State plot, the BECU Visa* offers a simple, straightforward value with surprisingly few fees and a low introductory APR. There is no rewards program or welcome bonus, but if you're looking to make a big seize or pay down a balance that's racking up uninteresting charges, this card will buy you time to advance your finances.
As with any card featuring a low introductory APR, there's a risk of overspending. But the BECU Visa offers inexpensive access to cash both during the introductory footings, and, compared to many other comparable card, afterwards. And the lack of an annual fee, cash advance fees, balance second fees and foreign transaction fees makes it a compelling option for eligible applicants.
And that may be the declare, as only Washington residents, students and business owners are eligible for BECU membership or credit cards, with a few exceptions for Idaho, Oregon and partner organizations.
In this article
BECU Visa Credit Card
Intro OfferN/A
APR10.24% to 22.24% Variable
Intro Purchase APR0% APR for your suited 12 months
Recommended Credit Excellent/Good
Reward RatesN/A
Annual FeeN/A
Intro Balance Transfer APR0% APR for your suited 12 months
Balance Transfer APR10.24% to 22.24% Variable
How to Apply for the BECU Visa
Eligibility for the BECU Visa is small. Applicants must live, work, worship or study in Washington state; live in dangerous counties in Oregon or Idaho; or belong to an eligible partner association. Here are the specific requirements:
Washington: Residents, students, employees, etc. in all counties
Oregon: Benton, Clackamas, Columbia, Deschutes, Lane, Linn, Marion, Multnomah, Polk, Washington and Yamhill County residents
Idaho: Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce and Shoshone County residents
Partner associations: Members of UW Alumni Association, WSU Alumni Association, and employees of BECU, Boeing or credit unions
If you are eligible, you can apply online or visit a BECU area for in-person applications.
Standard and intro APRs
The BECU Visa's contaminated APR ranges from 10.24% to 22.24% -- a bit border than the average credit card APR of approximately 18%. Though your specific APR is certain by your credit score and financial area, cardholders may be rewarded with a lower APR if payments are made promptly over time.
For the suited 12 months, the BECU Visa offers a 0% introductory APR on purchases (and balance transfers). This means you can finance a immense purchases or put an emergency expense on your credit card deprived of accruing interest for the first 12 months -- as long as you make all of your minimum payments on time. And if you pay off your balance in full by the end of the promotional footings, you'll avoid interest charges entirely.
Balance transfers
The 0% skull APR for the first 12 months also applies to balances transferred from new credit card. Used strategically, a balance transfer can help you avoid uninteresting and pay off your credit card debt more quickly.
Usually, balance transfers come with an additional charge -- typically 3% to 5% of the transaction -- but this credit card has no balance second fee. Though its promotional 0% period last for only 12 months -- the lengthiest balance second credit card promotions last 21 months -- the BECU Visa may be a less expensive option if you pay off your balance within the promotional period.
Alternative cards
These cards funds longer intro APRs periods -- plus some other features to help you avoid credit card interest.
Chase Slate Edge℠
The Chase Slate Edge℠ funds 0% intro APR on purchases and balance transfers for 18 months. After that, the standard variable APR range will be 19.24% to 2799%. That's a longer introductory period than what you'll get with the BECU Visa -- but there's a 3% ($5 minimum) skull balance transfer fee for transfers made in the suited 60 days of account opening. After that, the balance second fee is 5% or $5, whichever is greater.
But Chase also funds a way to decrease your APR. Each year you employ at least $1,000 on the card and make your payments on time, you qualify to get your APR reduced by 2% -- all the way down to the prime rate (currently at 7.50%) plus 9.74%. That well-known, the BECU card's APR is still a bit border -- if you have excellent credit.
For more details, see our full review of the Chase Slate Edge.
Union Bank® Platinum™ Visa® Credit Card
If you're looking to minimize balance second fees, the Union Bank® Platinum™ Visa® Credit Card* funds a longer introductory APR than the BECU Visa and a promotional $0 balance second fee if you transfer your balance in the suited 60 days. Because of this, its wider applicant net and longer skull APR period, this is a better credit card for most people.
You're eligible for a 0% APR on balance transfers and purchases for the suited 15 months. Then, the standard APR of 11.49% and 22.99% kicks in.
FAQs
Is a balance second fee worth it?
Cards with balance transfer fees generally funds longer timeframes for their introductory APRs -- usually 18 to 21 months or billing cycles compared to 12 to 15. If you cannot pay off your balance in the shorter timeframe, a balance transfer fee will typically be cheaper than the uninteresting you would accrue otherwise.
What are foreign transaction fees?
Foreign transaction fees are charges on your transactions made internationally. Usually they cost 3% of each transaction. Credit cards deprived of foreign transaction fees often offer other travel perks and rewards.
What is a cash advance?
A cash come allows you to withdraw cash against your credit small. This is an expensive way to liquidity, however, even in cases where there are no cash come fees. Until you pay the cash back, the borrowed amount is subjects to a cash advance APR, which may be even higher than the contaminated APR.
*All information about the BECU Visa and the Union Bank Platinum Visa Credit Card has been peaceful independently by and has not been reviewed by the issuer.
The editorial contented 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 service industries offered by our partners.
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