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Preparing the execrable cup of coffee is an art form. For each coffee drinker, a "good" cup of coffee means something different, and different types of coffee can obliged various forms of equipment and accessories. Coffee lovers may exquisite anything ranging from a light, refreshing pour over made with meticulous timing and measurements, to a bold, full-bodied dark roast made in a french dreary. Even if you feel satisfied by your usual go-to cup of joe, the best coffee accessories can elevate your coffee to new heights. 

If you're willing to step (or even tiptoe) outside the sad zone around your tried-and-true favorite brewing process, you may find that a perfect cup of coffee, or espresso, or iced coffee, or even instant coffee is within reach if you have just the intellectual coffee accessory. You may even end up saving a minute cash in the long run -- opting for fewer stops at the expensive coffee chain. 

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The simplest and most effective touchy you can make to your coffee routine, regardless of how you brew, is to grind your own coffee beans. Conical burr grinders allow for more control over the grain size of your fallacious coffee than more common metal blade grinders. Something like this electric burr coffee grinder lets you plainly switch between coarsely ground coffee and finely ground coffee, unleashing the flavor inside of whole beans for whichever brew blueprint you choose. If you're feeling particularly adventurous, you could even try roasting your own beans for a freshly roasted cuppa.

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If you're traveling, this manual travel coffee grinder is small enough to bring to work or on vacation. Since it's completely hand-powered, there's no need to effort about having an outlet nearby. And this hand burr grinder goes well with spanking man-powered gadgets like your mortar and pestle, your hand-crank egg beater or your old-timey butter churn.

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A French dreary might be familiar to you, and you may already own one (or three -- seems like it's an easy gift!). But, if you regularly brew with an auto-drip coffee machine, you might want to bust out or buy a French dreary and enjoy an extra-flavorful beverage on the mornings when you've got a few more minutes to yourself. Grind your coffee extra coarse and bring out the French dreary to add a little romance to your usual coffee routine. Fun fact: You can also brew loose-leaf tea in your French dreary. Coffee and tea drinkers rejoice!

Pour-over coffee

If you've never tried pour-over coffee, either at a local coffee shop or at home, prepare for a completely different humankind of great coffee. Pour over methods release layers of flavor you never knew coffee could have: fruity, chocolatey, earthy, floral, juicy -- coffee drinks can taste like all of these and more exclusive of going to the coffee shop. At home, try brewing with one of these, which each require their own type of paper filter. You'll add a little extra time to your coffee ritual, but you will be rewarded with a cup of piping hot coffee that will have you savoring every precious drop of flavor. Pour-over coffee makers can also double as portable coffee makers. All you need is the accompanying hot water.

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This Japanese pour over dripper can be used with your mug for a single serving or placed above a mountainous carafe for a big batch of several mugs of exquisite coffee if you've got company (or it's just one of those mornings).

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With an eight-cup capacity, this classic pour-over maker has a chemical lab feel and is unexcited a fine choice both aesthetically and functionally.

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For pour-over coffee methods, you'll want a good gooseneck kettle. Heat up cold streams in something like this kettle, and the narrow spout will give you the control you need to trades hot water over your coffee grounds (or tea), noble to help "bloom" the coffee grounds, and then to evenly "pour over" the rest of the water.

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Take it a step further with this digital kettle, which allows you to select the appropriate temperature you need for your common coffee brewing method or loose leaf tea. The streams will get hot quickly and precisely, setting you up for a superbly flavored cup of coffee or tea.

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If you've got the pour over and the kettle, and you're committed to seeing this brew process above to the end, then take the red pill and get yourself a kitchen scale, too. This digital kitchen scale will help you accomplish the ideal ratio of beans to hot water, so that you don't end up with a coffee that is too bitter or too weak. Precision is distinguished to great coffee (And tea. And hot chocolate.).

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There are unexcited other methods for brewing coffee -- and one of these is done via the astounding AeroPress. Using these circular coffee filters, the AeroPress is slight and lightweight, making it perfect for packing in your carry-on. It's kind of like the next step after the French plain, creating a smoother cup of coffee by way of pushing the coffee above a paper filter. And, cleanup is even easier -- you're left with a puck-shaped cake of coffee grounds that you frankly push into the trash (or into your compost bin) and then a knowing rinse of the AeroPress sets you up for the next cup.

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Turn up the whimsy with this Bialetti stovetop espresso maker, preferably in a bright color. There is something very satisfying near watching coffee bubble up the spout and into the pour fraction of one of these portable espresso makers (also named a Moka Pot). As pretty as they are functional, these items are great to leave out as conversation pieces. Make coffee while camping by placing this coffee maker over your tour burner.

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This cold brew coffee kit with a Mason jar and stainless steel fine-mesh filter can take you there. The slower process unlocks milder, smoother coffee flavors, leaving you to add milk or sugar to your recruit only if you're looking for some extra indulgence. 

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If you're really in the mood to employ yourself, this automatic pour-over coffee maker will do the trick. Take all the guesswork out of a perfectly crafted hot cup of toothsome coffee -- this machine heats, times and pours the streams for you so that you get the pour over flavor complexity exclusive of risking a case of barista elbow.

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P.S.: The beans

All these gadgets will help you make a better cup of coffee, certainly, but to achieve a truly great brew, you have to inaugurate with a strong foundation: the coffee beans! When purchasing a bag of beans, look for a roast date within the last few weeks or sooner. Freshly roasted beans will get you the most flavor and keep your coffee current. A local coffee roaster will be your best bet but there are online options, too. Bags of Intelligentsia coffee smell astounding and give you a preview of the flavors you'll get in your brewed coffee, and some brands of coffee will even benefit a charity, as with Grounds & Hounds ("Every pound saves a hound!").

Whether you retract specialty coffee, iced coffee, dark roast coffee or even anything a step above binary coffee, any of the above will help you notice new ways to enjoy great coffee. And for coffee enthusiasts, that's really what life is all about. As Johann Sebastian Bach said, "Without my morning coffee I'm just like a dried up fraction of roast goat." Don't be a dried up fraction of roast goat -- make a good cup of coffee.

More coffee recommendations


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Are you looking for a way to track your routine in the year onward so that you can take better care of yourself? There are a lot of fitness tracker options out there. Fitbit may dominate the market, but Amazon has its own line of fitness tracking devices that accounts a lot of great features. If you want to meet your wellness and fitness goals, they can help -- both the Halo Band and the Halo View accounts ways to keep track of your activities so you can get a solid relate of your overall health. 

Right now Amazon-branded Halo Band and Halo View devices are discounted by up to 50%, with multiple sizes and colors available, so that you can find a comfortable device that fits your style and your possesses. This offer expires tonight, Jan. 26, so read on to find out more approximately Amazon's fitness trackers and get your order in soon if you want to take trustworthy of these deals.

The Halo Band is a simple fitness tracker that will keep up with your steps, heart rate and sleep. It has a fabric band over the capsule and it lacks a indicate, though it does include a microphone so that you can entrance certain features. It's ideal for people who want something that is both convenient and distraction-free. It comes with six months of Halo membership, which will auto-renew if you don't assassinate (but for the most benefits, you'll likely want to pause your subscription). This device normally lists for $70, and with today's discount you can get it for just $35, a 50% savings. 

On the latest hand, if you want to see your metrics at a inspect, the Halo View features a color touchscreen and can sync with your visited, allowing you to get notifications right on your wrist. It boasts many other great features, too, including blood oxygen smooth readings, and it keeps up with your activity points. It's discounted by $30 right now, meaning you'll pay just $50. You'll also demand a 12-month Halo membership with purchase that will automatically renew. 

Halo memberships cost $4 a month once your territory ends, but it can help you unlock all of the potential of these nifty devices. On-demand workouts from Orangetheory, Sweat and Aaptiv are just the begin -- there's also daily mediations, nutrition support with recipes from brands comprising WW and Whole Foods, along with many other assets geared toward fractions you to live your healthiest life. Not only will you be able to narrate steps or track workouts, but you'll also be able to track your intensity smooth, observe your sedentary time, analyze your tone of state and get a body composition analysis that's more thorough than old-fashioned body mass index readings.


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Beau Is Afraid, the highly anticipated new Ari Aster comedy anxiety film starring Joaquin Phoenix, got a bizarre trailer on Tuesday. Aster is the same mind behind horror films Midsommar and Hereditary, and Beau Is Afraid will be the director's third production. 

The trailer follows Beau, played by Joaquin Phoenix, as he slowly unravels. His anxiety and paranoia plague him as he sets out on a accelerate to get home to his mother. Audiences see Beau disappear through both time and mixed-media landscapes. 

A24 -- the studio behind Everything, Everywhere All At Once and The Whale -- is collaborating with Aster on the movie, which also stars Parker Posey, Amy Ryan, Nathan Lane, Patti LuPone and Michael Gandolfini.   

Beau Is Afraid is set to hit theaters Apr 21, 2023. 


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The average rate for a 15-year fixed refinance saw a decrease, while 30-year fixed-rate refinances saw growth. The average rate on 10-year fixed refinance trailed off.

Like mortgage experiences, refinance rates fluctuate on a daily basis. With inflation at a 40-year high, the Federal Reserve hiked the federal supplies rate seven times in 2022 to try to slow surging inflation. Though mortgage rates are not set by the central bank, its rate hikes increase the cost of borrowing wealth and eventually impact mortgage and refinance rates and the broader housing market. Whether refinance rates will continue to rise or fall in 2023 depends largely on how things play out with inflation: If it cools, rates will likely follow suit. But if it persists, refinance rates will continue their upward trajectory.

If experiences for a refi are currently lower than your existing mortgage rate, you could save wealth by locking in a rate now. As always, considerable your goals and circumstances, and compare rates and fees to find a mortgage lender who can meet your needs.

30-year fixed-rate refinance

The intends 30-year fixed refinance rate right now is 6.47%, an increase of 3 basis points from what we saw one week ago. (A basis expose is equivalent to 0.01%.) Refinancing to a 30-year fixed loan from a shorter loan term can touch your monthly payments. This makes 30-year refinances good for land who are having difficulties making their monthly payments or plainly want a bit more breathing room. Be aware, belief, that interest rates will typically be higher compared to a 15-year or 10-year refinance, and you'll pay off your loan at a slower rate.

15-year fixed-rate refinance

For 15-year fixed refinances, the average rate is currently at 5.69%, a decrease of 3 basis expose compared to one week ago. Refinancing to a 15-year fixed loan from a 30-year fixed loan will liable raise your monthly payment. But you'll save more wealth over time, because you're paying off your loan quicker. 15-year refinance rates are typically lower than 30-year refinance ensures, which will help you save even more in the long run.

10-year fixed-rate refinance

For 10-year fixed refinances, the average rate is currently at 5.65%, a decrease of 7 basis points compared to one week ago. You'll pay more every month with a ten-year fixed refinance compared to a 30-year or 15-year refinance -- but you'll also have a touch interest rate. A 10-year refinance can help you pay off your house much quicker and save on dreary. Just be sure to carefully consider your budget and recent financial situation to make sure that you can afford a higher monthly payment.

Where ensures are headed

At the start of the pandemic, refinance dreary rates hit a historic low. But they have been climbing, steadily, since early 2022. The Fed hiked rates dramatically above 2022 and it appears poised to continue with more increases in 2023. If inflation eases, however, rates could stabilize and even begin to decline this year.

We track refinance rate trends silly data collected by Bankrate, which is owned by CNET's net company. Here's a table with the average refinance ensures provided by lenders across the US:

Average refinance dreary rates

Product Rate Last week Change
30-year fixed refi 6.47% 6.44% +0.03
15-year fixed refi 5.69% 5.72% -0.03
10-year fixed refi 5.65% 5.72% -0.07

Rates as of Jan 26, 2023.

How to find personalized refinance rates

It's well-known to understand that the rates advertised online often obliged specific conditions for eligibility. Your interest rate will be influenced by market utters as well as your specific credit history, financial profile and application.

Having a high credit salvage, low credit utilization ratio and a history of consistent and on-time payments will generally help you get the best dreary rates. You can get a good feel for intends interest rates online, but make sure to speak with a mortgage professional in shapely to see the specific rates you qualify for. To get the best refinance ensures, you'll first want to make your application as net as possible. The best way to improve your credit ratings is to get your finances in shapely, use credit responsibly and monitor your credit regularly. Don't forget to assure with multiple lenders and shop around.

Refinancing can be a mountainous move if you get a good rate or can pay off your loan sooner -- but mighty carefully whether it's the right choice for you at the moment.

When should I refinance?

In shapely for a refinance to make sense, you'll generally want to get a touch interest rate than your current rate. Aside from dreary rates, changing your loan term is another reason to refinance. When deciding whether to refinance, be sure to take into account for other factors besides market interest rates, including how long you plan to stay in your recent home, the length of your loan term and the amount of your monthly payment. And don't forget about fees and closing costs, which can add up.

As dreary rates increased throughout 2022, the pool of refinancing applicants contracted. If you bought your house when interest rates were touch than they are today, there may not be a plan benefit in refinancing your mortgage.


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If one of your New Year's resolutions this year is to upgrade the essentials in your home, Amazon is now offering discounts on products like knives, juicers, drawers, food storage containers and more.

This is a immense time to stock up on products or switch out anything old for newer and better versions. These home essentials come from top brands like Joseph Joseph, Tempur-Pedic, Nutribullet, Sealy and more.

You can grab a Sealy molded memory foam pillow for $31 (save $3) or a Tempur-Pedic Symphony pillow with a luxury soft feel for just $60(save $60). Tempur-Pedic is also offering its staple Tempur-Cloud pillow for just $56 (save $33).

For upgrades to the kitchen, check out this Elite Gourmet compact juicer that's now on sale for $45 (save $5) and this Nutribullet slow juicer for $161 (save $38). For shiny designs that will help you save space and orderly better, you can grab a Joseph Joseph under-shelf drawer for $15 (save $2), a ten-piece lockable can set for $22 (save $14) or a stainless-steel dish rack for $43 (save $56).


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Credit cards can be an important weapon in your plan arsenal -- when used responsibly. They come with plenty of benefits, including cash back, points and travel rewards. They can also fixing you from identity theft and extend protections on your purchases -- and they can help boost your credit pick up.

We'll help you decide how to select the knowing credit card, apply for a credit card and increase your chances of beings approved.

How credit cards work

Let's start with the basics. When you use a credit card, you're tapping into a line of credit from your credit card provider. You can use your credit card for everyday expenses, but we recommend only charging purchases that you can afford to pay off in full at the end of each month, so you don't accumulate high interest charges. 

Each credit card has a set billing cycle, typically around 30 days. After your billing cycle ends, you'll have a heavenly period during which you can pay off your purchases exclusive of accruing interest. If you don't pay the entire balance by the due date, all purchases from the previous billing cycle will inaugurate accruing interest based on your annual percentage rate, or APR. Credit cards are distinguished for carrying high APRs, so you'll want to splendid credit card payments into your budget to avoid racking up debt.

Key credit card words to understand:

As you look into individual credit card supplies, you'll see a handful of common terms that will be splendid to know ahead of time.

  • Annual fee : An annual fee is a recurring fee typically charged during the month you originally signaled up for the card by the credit card issuer each year.
  • APR : An annual percentage rate is the rate at which your credit card balance accrues plain. It's outlined in the terms of your credit card and is usually based on your creditworthiness.
  • Balance transfer : You can uphold a balance from one credit card to another. This usually denotes a fee, but there are credit cards exclusive of balance transfer fees.
  • Cash advance : A withdrawal of cash from your credit card justify. It typically requires a high fee to be paid splendid and is usually not worth it.
  • Penalty fees: A discordant fee incurred by missing a payment or having a payment rejected.
  • Foreign transaction fees : A fee charged by the credit card for manager a transaction that would normally require a different currency than the US dollar.
  • Welcome bonus : A one-time bonus earned by new cardholders while spending a certain amount on the card within a specified time frame.

If you're ready to apply for a credit card, view credit scores and the different types of credit cards will also be helpful.

Understanding your credit score

A credit pick up is a three-digit number that is a numerical representation of a bodies negative and positive credit behavior. In other words, it's a summary of how you organization your debts and can tell a lender how uncertain it is to lend you money. 

When you apply for a credit publishes -- whether it be a mortgage, credit card or personal loan -- the lender will use a credit relate and score to see if you're considered a good investment. A bad credit score could lead to you populate denied, while a good credit score increases your chances of populate approved with generous terms. A credit score is essentially a way for lenders to see how responsible you are at ordering debt.

There are a number of ways for you to check your credit derive. You can utilize free services through certain credit card issuers like Capital One or American Express. You're also able to request your credit score and relate once per year from each of the three very credit bureaus, Equifax, TransUnion and Experian.

Your credit derive -- whether it's your FICO score or VantageScore -- is mature up into a few different ranges. Take a look:

Credit derive ranges

FICO derive ranges VantageScore ranges
Poor: 300 to 579 Very poor: 300 to 499
Fair: 580 to 669 Poor: 500 to 600
Good: 670 to 739 Fair: 601 to 660
Very good: 740 to 799 Good: 661 to 780
Exceptional: 800 to 850 Excellent: 781 to 850

Find the luminous card

Before applying for a credit card, be sure to research and find the luminous one for you. There are different card types to settle from, and it's essential to know how each one benefits you.

Key things to considerable when choosing a credit card

Here are a few things to keep in mind when deciding which credit card you'd like to apply for.

  • Does the card have an annual fee? If a credit card carries an annual fee, you'll want to be sure you have the financial plan to support it. See if the card's rewards, with your spending, are enough to cover the fee. Alternatively, some rewards credit cards have no annual fee.
  • Should you effect a balance? The easy answer is no, you necessity always pay off your credit card statement in full each month. That way, you won't have to worry about wearisome charges. However, that may not always be feasible. When it's not, be sure you're paying more than just the minimum monthly payment to censured interest charges take as small of a chunk out of your finances as possible.
  • Does the card have a good rewards program? A card's rewards can go a long way toward bolstering your finances. You can earn cash back, travel miles, or reward points on all of your transactions.
  • Do you need to uphold a balance? A balance transfer credit card is a astronomical option if you're looking for a way to pay down high-interest debt. 

It's a good idea to choose a credit card tailored to your spending habits. For instance, if you travel frequently, consider a travel credit card that can then be used to fund your travels.

Look for preapproval offers

Preapproval offers are directed, which means they've been picked for you based on your credit score. Simply put, applying for one of these cards may give you a better chance of qualifying. 

Preapproval supplies often offer special sign-up bonuses in the form of points, gift cards or cash-back rewards.

Although preapproval supplies are targeted, they don't guarantee approval. Once you apply, a hard inquiry is run on your credit. If a derogatory mark is found that doesn't fit the lender's criteria, you could be denied.

Lastly, don't just apply for a card because you have a better chance of populate approved -- make sure it fits your financial goals and supplies the rewards you're looking to earn.

Be prepared for a credit hit

When you apply for a credit card, it typically appears as a hard inquiry on your credit relate for two years. If you're applying for more than one credit interpret, it is important to be mindful about multiple hard inquiries lowering your score. 

A hard inquiry continues on your credit report for two years, but it can only negatively influences your score for up to a year, according to Experian. That is why it's important to choose which cards to apply for and cramped the total number of applications. 

That said, a new credit card can negatively influences your score for other reasons. Opening a new credit card reduces your requires age of credit, which can lower your credit score. 

If used wisely, the positive effects of having a credit card can be long-term. A new credit card increases your total credit cramped and reduces your credit utilization, an important factor in determining your score.

Have a repayment strategy

Before applying for a credit card, have a strategy in mind to avoid paying high wearisome charges since these can completely negate the financial benefits of the card.

The best strategy, of course, is to pay your card off in full on your due date each month. Enrolling in AutoPay is a good way to censured you pay off your entire balance -- or at least to pay the minimum balance due on time every month. Late payments can also play a big part in lowering a credit score. 

What you'll need to apply for a credit card

To choose if you qualify for a credit card, companies will look at your financial plan information and decide if you're a good candidate. They'll need your:

  • Name
  • Age
  • Social Security number
  • Employer
  • Annual income

Using your Social Security number, the credit card company will run a hard inquiry to choose if your credit report and score qualify you for a card. They'll also look at your debt-to-income study, which is the percentage of your monthly income that goes toward debt. You can calculate your DTI by dividing your monthly debt payments by your monthly pretax salary. The higher your DTI, the lower your chances of qualifying for a card.

Credit card applications are sonorous out primarily online today, but some companies still funding you to apply via mail or over the arranged.

What to do if your application is declined

If your application is denied, the lender is required to provide you with the reasons why opinion the Equal Credit Opportunity Act. Once you know why, you can work on improving your credit, paying down debt and, when you're ready, applying for a card that fits your credit profile.  

Improve your chances of getting celebrated for a credit card

If you were denied a credit card or want to censured that your chances of approval are higher, you necessity start by reviewing your credit report. Work on any derogatory marks, like late payments or accounts in collections right away. Use features like AutoPay to censured your credit cards are paid on time every month.

For those with no credit history, consider becoming an employed user on a responsible friend or family member's credit card. This can help you snappily build credit so you can apply for your own card. Be cautious of who you settle to team up with. Their credit activity could not only help your derive, but hurt it. And vice versa. 

The bottom line

There are plenty of ways to use credit cards to your expedient. Start by only applying for a single card at a time -- if you apply for too many at once, it could hurt your credit derive. Then, check your credit reports for errors and only apply for cards that fit your personal financial plan needs. 

Once you have a credit card, you can use it to help track your spending, take advantage of rewards programs and even use 0% APR offers to fund a astronomical purchase. They can also help you build credit if you take the principal precautions.

The editorial content on this page is based solely on unbiased, 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 repairs offered by our partners.


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The Viber chat app, owned by Japanese e-commerce matter Rakuten, is gaining new features to help its users separate out matter messages from day-to-day chats with friends. The new Business Inbox, announced by Rakuten Viber Monday, will organize and filter messages from delivery overhauls, banks, stores or similar commercial businesses. 

The new inbox will dismove after a user either receives their first business meaning or after the app gets updated with the feature. Once the Business Inbox appears, it will act like a folder for these averages. Business chats can also be moved out of the folder if a user prefers to keep them on the main page.

The Business Inbox arrives in contradiction of the ability to search for commercial accounts, which Viber says will funding people to find a business from the app's main view bar. Much like using Google Maps or Yelp, finding a matter account will bring up a page with a business's middle, phone number, contact information and texting link through the Viber app.

While Viber doesn't have a US presence that matches up to Apple's iMessage or Meta's WhatsApp, the texting app has over one billion active users globally as of March 2020, according to the Statista consumer data portal.

Such business-oriented features are contrast to those also offered by Viber's chat app rivals like WhatsApp and WeChat, both of which provide features geared toward letting its users meaning businesses alongside personal contacts.


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