Here is one of the pictures featuring the How To Save You. Numerous images associated with the How To Save You can be utilized as your point of reference. Below, you'll find some additional pictures related to the How To Save You.
Applying for a loan can be a daunting process. From filling out paperwork to waiting for approval, there are many steps involved. Unfortunately, many people make mistakes when applying for a loan, which can lead to denial or higher interest rates. In this article, we'll discuss the top 5 mistakes to avoid when applying for a loan.
1. Not checking your credit score
One of the most important factors in getting approved for a loan is your credit score. Before applying for a loan, it's important to check your credit score and make sure it's in good standing. If your score is low, you may want to take steps to improve it before applying for a loan. A higher credit score can lead to better interest rates and loan terms.
2. Applying for too many loans at once
When you apply for a loan, the lender will perform a credit check. This check can lower your credit score slightly, so it's important to avoid applying for too many loans at once. Each application can have a negative impact on your credit score, so it's best to limit your applications to one or two loans at a time.
3. Not reading the fine print
Before signing a loan agreement, it's important to read the fine print. This includes the interest rate, fees, and repayment terms. Make sure you understand all of the terms and conditions of the loan before signing on the dotted line. If you have any questions, don't hesitate to ask the lender for clarification.
4. Borrowing more than you can afford to repay
When applying for a loan, it's important to borrow only what you can afford to repay. Borrowing too much money can lead to financial difficulties down the road. Before applying for a loan, create a budget and determine how much you can realistically afford to repay each month. Stick to this amount when applying for a loan.
5. Not shopping around for the best deal
When applying for a loan, it's important to shop around for the best deal. Don't settle for the first loan offer you receive. Instead, compare offers from different lenders and choose the one with the best interest rate and loan terms. This can save you money over the life of the loan.
Conclusion
By avoiding these 5 common mistakes, you can improve your chances of getting approved for a loan with favorable terms. Remember to check your credit score, limit your applications, read the fine print, borrow only what you can afford to repay, and shop around for the best deal. Good luck!
Buying a home can be an exciting yet overwhelming experience, especially in a competitive market. With low inventory and high demand, it's crucial to be prepared and knowledgeable before entering the homebuying process. To help you secure your dream home, here are ten mortgage tips that can make a significant difference in your homebuying journey.
1. Improve Your Credit Score
Your credit score is one of the most critical factors that lenders consider when deciding whether to approve your mortgage application. A higher credit score will not only increase your chances of getting approved for a mortgage, but it can also result in lower interest rates and better loan terms. To improve your credit score, pay your bills on time, keep your credit utilization low, and avoid opening new credit accounts before applying for a mortgage.
2. Save for a Down Payment
The down payment is the amount of money you pay upfront when buying a home. Saving for a down payment can be challenging, but it's essential to have enough money saved to meet the lender's requirements and to lower your monthly mortgage payments. Aim to save at least 20% of the home's purchase price as a down payment to avoid private mortgage insurance (PMI) costs.
3. Get Pre-Approved for a Mortgage
Getting pre-approved for a mortgage can give you a competitive edge when buying a home. It shows sellers that you're a serious buyer and have the financial capacity to purchase the home. Additionally, a pre-approval can help you determine your budget and give you a clear idea of what homes you can afford.
4. Work with a Reputable Mortgage Lender
Choosing the right mortgage lender is essential to secure the best mortgage rate and loan terms. Look for a reputable lender who offers competitive rates, excellent customer service, and has a track record of closing loans on time. Do your research and compare lenders to find the best fit for your needs.
5. Consider the Type of Mortgage
There are various types of mortgages available, such as fixed-rate, adjustable-rate, FHA, VA, and USDA loans. Each has its advantages and disadvantages, so it's crucial to understand each type and choose the one that best suits your financial situation and goals.
6. Don't Overspend on a Home
It's easy to get caught up in the excitement of buying a home and overspend on a property. However, overspending can lead to financial stress and impact your ability to pay your mortgage on time. Before you start house hunting, set a realistic budget and stick to it. Consider all the costs associated with homeownership, such as property taxes, homeowners insurance, and maintenance expenses, and factor them into your budget.
7. Be Prepared for a Bidding War
In a competitive market, it's not uncommon to encounter bidding wars. Be prepared to act fast and make a strong offer to stand out from other buyers. Consider offering more than the asking price, including a higher down payment, or a shorter closing period to make your offer more appealing to the seller.
8. Avoid Making Big Purchases Before Closing
Once you're pre-approved for a mortgage, it's crucial to avoid making any big purchases before closing on your home. Any significant changes to your financial situation, such as taking on new debt, can impact your credit score and debt-to-income ratio, and may cause the lender to deny your mortgage application.
9. Understand Closing Costs
Closing costs are the fees associated with buying a home, such as appraisal fees, title insurance, and attorney fees. These costs can add up quickly, so it's essential to understand what they are and how much you can expect to pay. Plan ahead and factor in closing costs when determining your budget.
10. Stay in Touch with Your Lender
Once you've secured your mortgage, it's important to stay in touch with your lender throughout the homebuying process. Keep them informed of any changes to your financial situation and ask questions if you're unsure about any aspect of your loan. Maintaining open communication can help ensure a smooth and successful homebuying experience.
Conclusion
Buying a home in a competitive market can be challenging, but by following these ten mortgage tips, you can increase your chances of securing your dream home. Remember to improve your credit score, save for a down payment, get pre-approved for a mortgage, work with a reputable lender, consider the type of mortgage, set a realistic budget, be prepared for a bidding war, avoid making big purchases before closing, understand closing costs, and stay in touch with your lender. With proper preparation and knowledge, you can make the homebuying process a success.
Insurance is an essential part of our lives, but it can be costly. Whether you're looking for auto, home, or life insurance, there are ways to save money on your premiums without sacrificing coverage. In this article, we'll explore tips and tricks for lowering your insurance premiums.
1. Shop Around for the Best Rates
One of the most effective ways to save money on insurance is to shop around for the best rates. Don't settle for the first quote you receive. Instead, compare prices and coverage from multiple insurers to find the best deal. Keep in mind that the cheapest policy may not always be the best value, so be sure to consider factors such as deductibles, coverage limits, and customer service when comparing policies.
2. Bundle Your Policies
If you have multiple insurance policies, such as home and auto insurance, consider bundling them with the same insurer. Insurers often offer discounts for bundling policies, which can save you money on your premiums.
3. Increase Your Deductible
Raising your deductible is a simple way to lower your insurance premiums. A deductible is the amount you pay out of pocket before your insurance coverage kicks in. By increasing your deductible, you can lower your premiums. Just be sure you can afford to pay the higher deductible if you need to file a claim.
4. Ask About Discounts
Many insurers offer discounts for various reasons. For example, you may qualify for a discount if you have a good driving record, have completed a defensive driving course, or have certain safety features installed in your car or home. Be sure to ask your insurer about any available discounts that you may be eligible for.
5. Maintain Good Credit
Your credit score can impact your insurance premiums. Insurers use credit-based insurance scores to help determine your risk level as a policyholder. By maintaining a good credit score, you may be able to qualify for lower insurance premiums.
6. Drive Safely
Your driving record can also impact your auto insurance premiums. If you have a history of accidents or traffic violations, you may be considered a high-risk driver and may be charged higher premiums. By driving safely and avoiding accidents and violations, you can keep your premiums low.
7. Consider Usage-Based Insurance
Usage-based insurance, also known as pay-as-you-go insurance, uses telematics technology to track your driving habits and adjusts your insurance premiums based on your actual usage. This can be a good option for safe drivers who don't put many miles on their cars. If you're interested in usage-based insurance, be sure to shop around and compare rates from different insurers.
8. Make Your Home More Secure
If you have homeowners insurance, you can lower your premiums by making your home more secure. Installing smoke detectors, burglar alarms, and deadbolts can help prevent losses and reduce your risk of filing a claim. Some insurers offer discounts for these types of safety features, so be sure to ask your insurer about any available discounts.
9. Consider a Higher Credit-Based Insurance Score
If you have a lower credit-based insurance score, you may be charged higher insurance premiums. However, by improving your credit score, you can potentially qualify for lower premiums. Be sure to monitor your credit score regularly and take steps to improve it if necessary.
10. Opt for a Higher Insurance Score
Some insurers use insurance scores to help determine your risk level as a policyholder. By maintaining a good insurance score, you may be able to qualify for lower premiums. Be sure to ask your insurer how your insurance score is calculated and take steps to improve it if necessary.
11. Choose a Higher Deductible
If you can afford a higher deductible, choosing one can lower your insurance premiums. Just be sure you can afford to pay the higher deductible if you need to file a claim. Consider setting aside some money in an emergency fund to help cover the cost of a higher deductible.
12. Consider Usage-Based Auto Insurance
If you're a safe driver, you may be able to save money on your auto insurance premiums by opting for usage-based auto insurance. This type of insurance uses telematics technology to track your driving habits and adjust your premiums accordingly. Be sure to compare rates from different insurers and ask about any available discounts.
13. Pay Your Premiums Annually
If you can afford it, paying your insurance premiums annually instead of monthly can save you money in the long run. Many insurers offer discounts for annual payments, so be sure to ask your insurer about any available discounts.
14. Take Advantage of Employer Benefits
If your employer offers insurance benefits, be sure to take advantage of them. You may be able to get group rates that are lower than what you would pay as an individual. Some employers also offer wellness programs that can help you stay healthy and lower your risk of needing medical care, which can in turn lower your health insurance premiums.
15. Ask About Discounts
Many insurers offer discounts for a variety of reasons, so be sure to ask your insurer about any available discounts. Some common discounts include multi-policy discounts, safe driver discounts, and good student discounts. You may also be able to get discounts for things like being a member of certain organizations or for taking a defensive driving course.
16. Shop Around
One of the best ways to save money on insurance is to shop around and compare rates from different insurers. Be sure to get quotes from at least three different insurers to ensure you're getting the best rate possible. When comparing rates, be sure to look at both the premium and the coverage offered to make sure you're getting the best value for your money.
17. Review Your Coverage Regularly
Finally, it's important to review your insurance coverage regularly to ensure you're not paying for coverage you don't need and that you're adequately covered in case of an emergency. Consider reviewing your coverage every year or every time you experience a major life event, such as getting married or having a baby.
Conclusion
As you can see, there are many ways to save money on insurance. By following these tips and tricks, you can lower your premiums and get the coverage you need at a price you can afford. Remember to shop around, ask about discounts, and review your coverage regularly to ensure you're getting the best value for your money. With a little effort and diligence, you can save hundreds or even thousands of dollars on insurance each year.
- Importance Of Managing Umbilical Hernias To Prevent Complications
Umbilical hernias are a common condition that occur when a portion of the small intestine protrudes through a weakness in the abdominal wall near the belly button. While many umbilical hernias are harmless and require no treatment, it is important to manage them properly to prevent complications. If left untreated, umbilical hernias can become incarcerated or strangulated, which can cause a blockage of the intestines or a loss of blood flow to the affected area, leading to severe pain and potentially life-threatening complications.
To prevent these complications, managing umbilical hernias often involves surgery to repair the weakened abdominal wall and close the hernia. Proper management of umbilical hernias can ensure the best possible outcomes for patients and prevent the need for emergency surgeries and other interventions.
- Brief Overview Of Using Makida Trusses As A Management Option
Makida trusses are a popular choice for management in construction and other industrial settings. These trusses are known for their durability and versatility, as they can be used in a variety of applications. One of the key advantages of using Makida trusses is that they can be customized to fit the specific needs of your project.Another advantage of using Makida trusses is that they are relatively lightweight, which makes them easy to install and transport. This can save both time and money, as it reduces the amount of labor and equipment necessary to complete a project.
Additionally, Makida trusses are designed to be low maintenance, which means that they require minimal upkeep over time.In summary, Makida trusses are a versatile and durable option for management in construction and industrial settings. They offer a range of advantages, including customization options, lightweight design, and low maintenance requirements. If you are considering using trusses for your construction or industrial project, consider using Makida trusses as a management option.
What Is A Makida Truss And How Does It Work
A Makida truss is a type of truss used in construction and engineering. It consists of a series of triangular elements that are connected together to form a rigid and stable structure. The design of a Makida truss allows it to distribute weight evenly across its length, making it strong and resistant to bending or deformity.The Makida truss is typically used in applications where a high degree of stability is required, such as in bridges or large buildings. The truss is often composed of steel, which gives it strength and durability, and it can be designed in a variety of different sizes and configurations to suit the specific needs of a given project.
One of the key advantages of a Makida truss is its ability to span long distances without the need for intermediate supports or pillars. This makes it ideal for use in large-scale construction projects where the goal is to create a clear and unobstructed space, such as in sports arenas or concert halls.Overall, the Makida truss is a versatile and effective structural element that has a wide range of applications in modern construction and engineering. Its simple yet effective design has allowed it to become a key component in some of the most impressive and iconic buildings and infrastructure projects around the world.
- Description Of The Trusss Design And Components
A truss is a type of structural element commonly used in engineering and architecture. It is typically made up of a series of interconnecting triangles, which work together to distribute loads and provide support for various structures such as buildings, bridges, and towers. The design of the truss and its components depends on a variety of factors, including the intended use of the structure and the loads it will need to support. The main components of a truss include the top and bottom chords, which carry the primary loads, and the web members, which connect the chords and provide additional support.
In addition, trusses may also include various other elements such as braces, connections, and joints which all work together to ensure that the truss can perform its intended function safely and reliably. Whether you are designing a new truss or evaluating an existing one, understanding the design and components of a truss is essential.
- Explanation Of How The Truss Provides Support To The Abdominal Muscles
The abdominal muscles are an important part of the core musculature that provides support and stability to the body. One way this support is achieved is through the use of a truss. A truss is a device that is designed to support the abdominal wall and prevent any herniation of the intestinal organs. It is made up of a wide belt that is worn around the waist and connected to two or more rigid support pads that rest against the abdominal muscles. The pressure provided by the truss helps to distribute the weight of the organs and forces generated during physical activity evenly across the musculature of the abdomen, thereby reducing the risk of injury or strain.
The truss also helps to reduce pressure on the lower back by acting as a support and preventing any excessive flexion or extension of the lumbar spine. Overall, the truss plays a vital role in providing the support necessary for effective functioning of the abdominal muscles and preventing injury or strain in this important area of the body.
- Benefits And Drawbacks Of Using A Makida Truss
Makita trusses are used in the construction industry to provide support to roofs and other structures. Like any other building material, there are both benefits and drawbacks to using Makita trusses.One of the main benefits of using Makita trusses is their strength and durability. They are made from high-quality materials that are designed to withstand heavy loads and adverse weather conditions. This means that they can be used to support larger structures and are less likely to fail over time.Another advantage of Makita trusses is their versatility.
They can be used in a wide range of applications, from residential homes to commercial buildings. They can also be easily customized to fit the specific needs of a particular project, making them a popular choice among architects and builders.However, there are some drawbacks to using Makita trusses as well. One of the main drawbacks is their cost. They can be more expensive than other types of trusses, which can make them less accessible for smaller projects or those on a tight budget.Additionally, Makita trusses can be more difficult to install than other types of trusses.
They require specialized expertise and equipment to ensure that they are installed correctly, which can add to the overall cost of a project.Overall, the benefits and drawbacks of using Makita trusses largely depend on the specific needs of a particular project. While they offer excellent durability and versatility, they can be more expensive and difficult to install than alternative options.
Pros And Cons Of Using Makida Trusses To Manage Umbilical Hernias In Babies
Makida trusses are a type of medical device that are sometimes used to manage umbilical hernias in babies. While they offer some advantages, they also have some disadvantages. One advantage of using Makida trusses is that they can help support the hernia and prevent it from getting larger. They can also be worn for extended periods of time, allowing the hernia to heal without the need for surgery. In addition, they are relatively easy to use and can be adjusted to fit the baby's body.However, there are also some potential drawbacks to using Makida trusses.
One major disadvantage is that they may not be effective in all cases, particularly if the hernia is large or if it has been present for an extended period of time. Additionally, the truss can cause discomfort or irritation to the baby's skin, particularly if it is worn for long periods of time. Furthermore, there is always a risk of complications with any medical device, such as infection or allergic reactions.In conclusion, the decision to use Makida trusses to manage umbilical hernias in babies should be made on a case-by-case basis, taking into account the baby's individual needs and circumstances.
While they do offer some benefits, there are also potential risks and drawbacks that need to be carefully considered. Consulting with a medical professional is recommended to determine the best course of action.
- Advantages Of Using Makida Trusses, Such As Improved Comfort And Lower Risk Of Complications Compared To Surgery
Makida Trusses offer several advantages over surgical treatments. One major advantage is that they provide improved comfort for patients, as they don't involve any invasive procedures. Patients who wear a truss can go about their daily activities without any discomfort or pain. Additionally, trusses have a lower risk of complications compared to surgery. Surgery requires anesthesia and incisions, which can lead to infection and other complications. Makida Trusses, on the other hand, simply provide external support to the affected area without any need for invasive procedures.
Overall, Makida Trusses offer a safe and effective alternative to surgery for the treatment of various conditions.
- Potential Disadvantages, Such As Cost And Logistics Of Acquiring And Fitting The Truss
The use of trusses in construction offers numerous benefits, such as increased stability, structural integrity, and load-bearing capacity. However, there are also potential disadvantages to consider, including the cost and logistics of acquiring and fitting the truss. Trusses can be expensive to purchase, especially if they are custom-built for a specific project. Additionally, the logistics of transporting and fitting the truss can be complex, requiring specialized equipment and skilled labor. As with any construction project, it is important to assess the potential disadvantages as well as the benefits before deciding to use trusses.
This will help ensure that the project is completed on time, within budget, and to the required stKamurd of quality and safety.
Research On The Effectiveness Of Using Makida Trusses For Umbilical Hernias In Babies
- Review Of Studies And Other Sources That Have Investigated The Use Of Trusses For Babies With Umbilical Hernias
Studies and other sources have been conducted to investigate the use of trusses for babies with umbilical hernias. One study found that trusses can be an effective non-surgical treatment for small umbilical hernias in infants, with a success rate of up to 90%. Other sources suggest that using a truss can help to alleviate discomfort and prevent the hernia from becoming larger. However, it is important to keep in mind that trusses are not recommended for larger umbilical hernias or for hernias that have not resolved after six months.
It is important to consult a doctor or healthcare professional before using a truss for a baby with an umbilical hernia. Overall, research indicates that trusses can be a safe and effective treatment option for certain cases of umbilical hernias in infants.
- Analysis Of The Evidence Regarding The Efficacy, Safety, And Overall Value Of Using Trusses In This Context
The use of trusses is a common method employed in construction, particularly in roofing structures. However, it is important to analyze the evidence regarding their efficacy, safety, and overall value in this application. Studies have shown that trusses can provide significant benefits in terms of overall structural stability, especially in areas prone to high winds and seismic activity. They are also more cost-effective and easier to install compared to conventional framing methods. However, there are some concerns regarding the safety of trusses, particularly in terms of fire hazards and the risk of collapse in the event of excessive loading or improper installation.
It is therefore important to carefully consider all factors when deciding whether to use trusses in a construction project, and to ensure that proper precautions are taken to mitigate any associated risks. By conducting a thorough analysis of the available evidence, it is possible to make an informed decision regarding the use of trusses, and to ensure that the resulting structure is safe, effective, and provides value for money.
Conclusion
In conclusion, the Makida Baby's Umbilical Truss is a useful tool for supporting a newborn's umbilical cord stump after birth. It provides gentle compression to the area, which can help promote healing and prevent infection. Additionally, the adjustable design allows for a comfortable and secure fit, making it easy for parents to use and adjust as their baby grows. Overall, the Makida Baby's Umbilical Truss is a great option for parents who want to provide extra support and care for their newborn's delicate umbilical cord stump.
- Summary Of The Key Points Discussed In The Essay
In this essay, several key points were discussed. First, the importance of focusing on essential points when summarizing an article was highlighted. It was emphasized that a summary should not involve paraphrasing every single paragraph , but instead, should extract the most important points. Additionally, the structure of a well-written essay was examined, including the use of topic sentences to introduce main ideas and supporting sentences to provide evidence or analysis. Lastly, the significance of effectively writing a conclusion was discussed, as it is often considered to be one of the most difficult parts of an essay.
By summarizing these key points, one can acquire a better understanding of the components of a successful essay.
- Final Thoughts On The Use Of Makida Trusses As An Option For Managing Umbilical Hernias In Babies
Umbilical hernias in babies are a common occurrence, and the use of Makida trusses has been suggested as an option for managing these hernias. Makida trusses are a type of harness that can be used to support the hernia and prevent it from becoming more severe. While some studies suggest that Makida trusses may be effective in managing umbilical hernias in babies, more research is needed to determine their effectiveness and safety. Additionally, other nonsurgical options such as observation and massage therapy may also be considered.
In any case, it is important to work with a healthcare provider to determine the best course of action for managing umbilical hernias in babies. Remember to talk to your healthcare provider regarding any health concerns about your baby.
- Implications For Future Research And Clinical Practice
The implications of research findings are crucial for informing and guiding future research and clinical practice. Understanding the implications of research findings can help researchers to identify knowledge gaps, refine research questions, and design better studies. For example, if a study finds that a certain treatment is effective for a particular condition, future research can build on this by exploring the mechanisms underlying the treatment's effectiveness and testing it in different populations.
Similarly, if a study finds that a particular intervention is not effective, future research can explore alternative interventions or identify potential reasons for the lack of effectiveness. In clinical practice, understanding the implications of research findings can help healthcare providers make evidence-based decisions that improve patient outcomes. In summary, recognizing the implications of research findings is crucial for advancing knowledge in a particular field and improving patient care.
Makida Baby's Umbilical Truss is a product designed to provide support and protection for newborn babies. It is a belt-like device that wraps around the baby's belly, with a soft cushion that fits over the umbilical cord stump. The truss helps to keep the stump clean and dry, while also preventing it from being accidentally bumped or pulled. Makida Baby's Umbilical Truss is made from soft, breathable materials that are gentle on the baby's delicate skin. It is adjustable for a custom fit and can be worn comfortably throughout the day and night.
This product is a great choice for new parents who want to ensure that their baby's healing belly button is protected and well-cared for.
Last Word
Makida Baby's Umbilical Truss is a product designed to help shape and protect a baby's umbilical cord during the healing process. It is a great option for parents who are looking for a safe and effective way to support the sensitive area around their baby's umbilical cord stump. The Makida Baby's Umbilical Truss is available in different sizes, making it suitable for babies of different ages and sizes. It is a highly recommended product and has received great reviews from parents who have used it for their babies.
In conclusion, if you are looking for a product to help care for your baby's umbilical cord stump, consider purchasing the Makida Baby's Umbilical Truss for a safe and effective solution.
Samsung galaxy s22 unlocked deals samsung galaxy s unlocked how to do a take off take out 250 catering how to take off take up to 50 what to do with 250k take up to synonym take up bearing
Take up to $250 Off Unlocked Galaxy S22 Plus Smartphones
Take up to $250 Off Unlocked Galaxy S22 Plus Smartphones
If you're on the hunt for a new smartphone, the Samsung Galaxy S22 Plus should be at the top of your list. It debuted earlier this year, and it's a solid choice that's packed with plenty of features and has enough storage to keep up with all of your photos, videos and apps. Plus, it comes in a variety of colors to suit your style. You can save up to $250 on a Samsung Galaxy S22 Plus at Amazon for a limited time, bringing the price to $800.
The Galaxy S22 Plus comes with a large 6.6-inch AMOLED screen, which is bigger than the S22 and smaller than the S22 Ultra, making it easy to operate with one hand while still providing a display that is large enough to stream content without strain.
It also features Android 12, the Snapdragon 8 Gen 1 processor, 8GB of RAM and your choice of either 128GB of storage or upgrade to the larger 256GB storage capacity version.
This phone has a long battery life that can last all day and features fast charging when you need a boost. And it comes equipped with durable Gorilla Glass in case your phone takes a tumble. The S22 Plus also has a 50-megapixel rear camera that can record in 8K, as well as Adaptive Pixel technology that improves the look of your nighttime photography and video.
This Samsung is unlocked, too, allowing you to choose your carrier so you can get the features and coverage you want at a budget that works for you.
Read more: Samsung Galaxy S22 vs. Plus vs. Ultra: The Difference Is in the Details
Galaxy S21 drop test: Samsung's newest phones didn't last long
Galaxy S21 drop test: Samsung's newest phones didn't last long
I had high hopes for the new Samsung Galaxy S21 phones phones going into our drop test, even though Galaxy phones haven't been the most durable in our previous tests. The S21, S21 Plus and S21 Ultra's curved displays aren't as pronounced as previous models and all the screens are covered in the strongest Gorilla Glass. But let's just say my hopes proved optimistic, and if you're considering going case-less with your new Galaxy S21, you may want to read on.
While the three Galaxy S21 phones may look similar, the backs are all made of different materials. The S21 Plus and Ultra have glass on either side, while the back of the regular S21 is made of plastic. Because this difference could affect the durability of the phone, we decided to test out both the $1,200 (£1,149, AU$1,849) Galaxy Ultra and the $800 (£769, AU$1,249) Galaxy S21 simultaneously.
Chris Parker/CNET
A lot of factors go into the durability of the screen, including the shape and thickness of the glass the manufacturer decides to use. We know from our previous Note 20 Ultra drop test that even the strongest Gorilla Glass Victus is no match for pavement, with the screen cracking on the second drop from hip height. But that doesn't mean the S21's screen will share the same fate: The two have different designs and the thick metal casing protecting the camera looks sturdier than the all-glass module on previous Galaxy phones.
For our drop test, CNET Senior Video Producer Chris Parker dropped a brand new phantom violet Galaxy S21 and phantom black Galaxy S21 Ultra onto a concrete sidewalk.
Drop 1: Pocket height (3 feet), screen side down
The drop from pocket or hip height is one of the most common causes of cracked screens, especially if your phone lands on a rough surface like a sidewalk. We start all our tests at this height.
The cracked screen of the Samsung Galaxy S21 after the first drop from hip height.
Chris Parker/CNET
Galaxy S21: Broken screen
The top left hand corner of the phone opposite the camera hit the ground first, then the bottom corner hit, then the entire right side of the phone. This caused it to bounce back up a bit and land screen-side-down on the floor.
The bottom left hand corner of the glass had shattered with a few larger cracks stemming outward from the point of impact including a big dome-shaped one running through the middle of the screen.
The S21 Ultra after the first drop from hip-height: one small crack at the top.
Chris Parker/CNET
Galaxy S21 Ultra: A small crack
The initial impact of the drop seemed to be distributed relatively evenly as the phone hit the floor, with the top edge of the screen hitting the sidewalk just a bit earlier than the rest. It then jumped back into the air, flipped around and landed screen-side-up.
The top edge of the metal frame on the S21 Ultra had what looked like silver sand particles where the paint was scraped, but the screen looked OK. That is, until we noticed a tiny crack on the top left-hand corner of the phone. It was small enough that it probably wouldn't bother you if you kept using the phone, but it was damaged nonetheless and not the ideal scenario after just one drop.
Drop 2: Pocket height (3 feet), back side down
To test the durability of the back, Chris dropped the phones from the same height with the screen facing up. We obviously weren't expecting the plastic back on the S21 to break, but we wanted to see what kind of damage it would incur and how the camera would hold up to the fall.
The back of the Samsung Galaxy S21 had a few minor scratches after the second drop from hip-height.
Chris Parker/CNET
Galaxy S21: Minor scratches
The top half of the phone hit the ground first, then the bottom edge causing it to jump in the air and complete a couple of flips before landing back on the sidewalk with the back side facing up.
Save for a few tiny scrapes on the bottom, there was barely any damage on the plastic back cover, as we expected.
The camera was also in good shape, with no visible damage to the module or any of its three lenses, which are carved into the metal casing. Unlike previous Galaxy models where the entire camera bump is covered in glass, the module on the S21 is mostly metal and only the lenses are glass.
The broken back of the Galaxy S21 Ultra after the second drop from hip height.
Chris Parker/CNET
Galaxy S21 Ultra: Shattered back
The phone hit the floor almost flat, bounced a bit and flipped on its side causing it to land with its back facing up.
The glass back on the S21 Ultra didn't survive. It had multiple fractures stemming from the bottom left hand corner and running up the entire back of the phone and a few loose pieces of glass coming off the corner where it hit.
The camera module on the other hand survived relatively unscathed, except for a couple small dings on the metal casing.
Drop 3: 6 feet back side down (S21), screen side down (S21 Ultra)
Both phones were cracked at this point, but we decided to drop them one last time on the side which had sustained the least amount of damage.
The back of the Galaxy S21 sustained minimal damage after three drops with just a few scratches on the metal casing.
Chris Parker/CNET
Galaxy S21: Scuffs on the camera module
The weight of the camera module must play a part in the landing, because this is what broke the fall yet again. With the camera hitting first, the phone then bounced on the opposite side and did a few flips in the air before settling screen-side-up on the floor.
As expected, the back of the phone was still in good shape, but with some more pronounced scrapes towards the bottom. The top left hand corner of the metal camera module, which broke the fall, also had noticeable scratches. But the lenses remained intact.
The shattered front of the Galaxy S21 Ultra after a drop from 6 feet.
Chris Parker/CNET
Galaxy S21 Ultra: Completely shattered screen
The phone landed almost completely flat, bounced up a bit and then hit the floor again face first.
The tiny crack on the top corner multiplied into an entire web of cracks covering almost the entire front of the phone. Some were deep enough to penetrate the screen and black out part of the OLED panel. The screen still responded to touch, but there were tiny shards of glass coming off it, so you wouldn't have wanted to keep using it, even with a screen protector on top. The cracks on the back had also continued to grow, though they weren't nearly as bad as the ones on the front.
A second opinion
Allstate Protection Plans conducted a similar drop test on all three Galaxy S21 models with similar results. The screens shattered after the first drop (in this case from 6 feet). The back side of the S21 Plus and S21 Ultra also shattered after the second drop from the same height (back side down).
The breakdown
While our tests are by no means scientific and your results may be completely different if you drop your phone, our Galaxy S21 and Galaxy S21 Ultra cracked on the first drop, which was disappointing. The S21 has an edge over the Ultra as the back probably won't break even if you drop it multiple times. But you'll still need to put a case on it to shield the screen and I'd consider investing in a screen protector as an added layer of protection as repairing the S21's screen starts at $200. The silver lining is that the camera modules on both phones, which are more expensive to repair, seem to be sturdier than in previous modules thanks to the new metal casing.
We reached out to Samsung for comment on our results, but did not hear back at publication time.
Here's How to Save $15 on the New Google Pixel Buds Pro at Launch
Here's How to Save $15 on the New Google Pixel Buds Pro at Launch
Announced in May at Google's I/O developer conference, the new Google Pixel Buds Pro wireless earbuds are now available to preorder. Retailing for $200 and taking aim squarely at Apple's AirPods Pro, these are Google's first active noise-canceling earbuds and you can score a set of Pixel Buds Pro at a discount before they even launch right now via Wellbots. When placing your preorder there, simply use coupon code CNET15 for an instant $15 price cut, dropping your new earbuds down to only $185.
Google put emphasis on the active noise cancellation performance of the Pixel Buds Pro at I/O (video), touting its Silent Seal technology designed to provide a tight seal for blocking out outside sound while avoiding that feeling of built-up pressure. When you need to let outside noises back in, the Pixel Buds Pro's transparency mode allows you to do just that without removing the earbuds.
Other neat features include support for multipoint Bluetooth connections, IPX4 water resistance, Qi wireless charging support and up to 31 hours of listening time(that includes the capacity of the charging case). Unlike Apple's AirPods earbud lineup, Google's Pixel Buds Pro are available in multiple colors, namely charcoal, fog, coral and lemongrass, for a little added personality.
Google Pixel Buds Pro preorders are slated to start shipping on July 26 and shipping at Wellbots is free.
Vivo's X60 Pro Plus has a Snapdragon 888 and a 55-watt charger in the box
Vivo's X60 Pro Plus has a Snapdragon 888 and a 55-watt charger in the box
Vivo is one of China's biggest phone brands, and now it's teaming up with German lensmaker Zeiss to level up its photography game. Those boosted cameras, plus a gorgeous display and impressive battery features, make Vivo's newest phones worthy of your attention.
Vivo unveiled its inaugural global flagship phones for this year, announcing the X60, X60 Pro, and the X60 Pro Plus, on Thursday. Positioning the X60 Pro Plus as a "professional photography flagship," Vivo is flexing its maiden collaboration with Zeiss, which co-engineered the device's image system. Although Vivo is relatively unknown in the West, the Chinese company is one of the world's top 10 phone manufacturers by market share -- and it's used by several Avengers too.
I spent a couple of days with the highest-end X60 Pro Plus, and can say it delivers on a premium Android experience complete with some extra bells and whistles you may not expect. There's a 6.56-inch AMOLED display, a speedy refresh rate (120Hz), the newest Qualcomm processor available (Snapdragon 888), fast charging (55-watt bundled charger) and a periscope-style telephoto camera seen on ultra-premium flagships such as Samsung's Galaxy S21 Ultra.
Apart from the Zeiss collaboration and the incremental upgrades, new to the series is the X60 Pro Plus' so-called extended RAM technology. Vivo claims 3GB of the phone's "idle" storage can be used as RAM to "achieve a +3GB RAM effect," promising to boost the device's performance.
Missing in the X60 Pro Plus are things like an IP rating for water resistance, which many phones of this class have, and expandable storage. That will be forgivable for most since the one variant of this phone has 256GB storage.
At the time of this writing, Vivo didn't share how much these phones will cost internationally, but we can look at the X60's pricing in its native China as a reference point (although prices tend to vary depending on country). The base X60 Pro starts at 4,498 yuan (converts to about $690, £500 or AU$910), and the X60 Pro Plus starts at 5,998 yuan (about $920, £670 or AU$1,210). Unfortunately, Vivo currently has no US rollout plans, but it shouldn't be too difficult to import. It's being released in more than 20 markets worldwide including the UK, India, the Middle East and Europe over the next few months.
The X60 Pro Plus has periscope lens bragging rights
The Vivo X60 Pro Plus has four rear cameras, consisting of a standard lens, ultra-wide lens, portrait lens, and a periscope-style telephoto lens (just like its predecessor). Huawei's P30 Pro was the first phone to include a Periscopic lens, which allows for insane long zooming, and it's since been picked up by Samsung on its Ultra phones. Apple is rumored to adopt the technology late next year. Compared to regular telephoto cameras that offer 2x or 3x optical zoom, periscope-style cameras can typically do 5x or even 10x optical zoom by using more than one lens along with the camera sensor. For its part, the X60 Pro Plus boasts 5x optical zoom, and 60x digital zoom.
Last year, I showed you how far you can zoom in with 60x zoom on the Vivo X50 Pro, so you can take a look at that to get a sense of this phone's digital zoom capabilities.
The X60 Pro Plus has a periscope-style telephoto camera capable of 10x optical zoom and 60x digital zoom.
Sareena Dayaram/CNET
Vivo X60 Pro Plus cameras in action
Whether I was attempting to snap the perfect portrait of my dog napping in our living room or action shots of Rocky running on a hiking trail, the five cameras on this phone, along with the many accompanying modes, made it easy to take wonderful and versatile shots. Night-time imaging was impressive too, with the X60 Pro Plus taking crisp, detailed photos. There is also night mode for video on the main camera.
Even when I took pictures facing bright, sunlit windows, the camera managed to capture punched-up images of the indoor surroundings. Below you can see what I'm talking about, especially when juxtaposed with iPhone 12 Pro Max photo, which took more true-to-life, albeit less saturated photos. Whatever you prefer is likely a matter of personal preference. I realize this might not be an apples-to-apples comparison (pun intended), but my hope is that it gives you an indication of where the X60 Pro Plus stands on the spectrum of phone cameras.
Taken with the Vivo X60 Pro Plus. The furniture looks more saturated here than in the image below taken with the iPhone 12 Pro Max below.
The X60 Pro Plus features a design similar to a number of high-end Android phones we've seen in recent years. On the front is a curved display with a centrally located punch-hole notch, and on the back there's a "vegan" leather rear that reminds me of last year's Oppo's Find X2 Pro.There's a camera bump on the back and a blue Zeiss label emblazoned on its right side. I realize Vivo wants to flex its partnership with the 175-year-old German lensmaker, but I think it could have achieved a similar result with more subtle labelling.
Speaking of the display, the X60 Pro Plus relied on a high-res AMOLED display (made by Samsung). It has a speedy refresh rate of 120Hz, but you can dial it back to 60Hz if you want to save on battery life. Most phones have refresh rates of 60Hz, which means the screen refreshes 60 times in a second. 120Hz displays can look a lot smoother when scrolling through webpages.
Vivo
Vivo X60 Pro Plus has 55-watt bundled charger
The X60 Pro Plus astounded me with its blazing-fast charging speeds. In fact, this was probably one of my favorite features because you only need 20 minutes for your phone to get enough charge to last you between a half or full day. Within 20-25 minutes, the 55-watt in-box charger juiced up the phone from 0% to around 70%, and within 45 minutes the 4,200-mAh battery was fully revitalized.
The X60 Pro Plus runs on the Snapdragon 888, Qualcomm's latest processor found in a number of Android flagships including Samsung's Galaxy S21 Ultra and Xiaomi's Mi 11. This chipset is backed by 12GB RAM and 256 GB of storage. Vivo claims 3GB of the phone's storage can be used as RAM, giving you that extra dose of power when multiple apps are running in the background. Vivo claims its new memory management relies on algorithms to lets 3GB of idle storage to "assume the function" of RAM, resulting a boost in memory usage efficiency by 37%. You probably won't notice a difference at first, but in theory it should mean better performance when your phone is loaded with apps.
Vivo X60 Pro Plus vs. X60 Pro
Vivo X60 Pro Plus
Vivo X60 Pro
Display size, resolution
6.56-inch AMOLED "flexible screen", FHD+ (1080 x 2400 pixels)
6.56-inch AMOLED "flexible screen", FHD+ (1080 x 2400 pixels)
Midnight black: 158.58x73.24x7.59 mm and shimmer blue: 158.58x73.24x7.69 mm
Weight (Ounces, Grams)
191 grams
177 grams for midnight black, 179 grams for shimmer blue
Mobile software
Android 11
Android 11
Video capture
4K
4K
Processor
Snapdragon 888
Snapdragon 870
Storage
256GB
256GB
RAM
12GB
12GB
Expandable storage
No
No
Battery
4,200 mAh
4,200 mAh
Special features
55-watt fast charging (in box charger), 120Hz, 60x hybrid zoom, 5x optical zoom, dual SIM
33-watt fast charging (in box charger), dual SIM, 120 Hz screen
Price off-contract (USD)
N/A
N/A
Price (GBP)
N/A
N/A
Price (AUD)
N/A
N/A
§
Apple analyst Ming-Chi Kuo says in a research note that iPhones will likely get a periscope-style telephoto camera lens in 2022 if lens suppliers Semco and Sunny Optical join the Apple supply chain this year, according to reports from MacRumors and 9-to-5 Mac. This means that a much better camera could be coming to iPhones, with lenses similar to those used in some Huaweiphones today.
The design differences would likely be minimal, since periscope-style telephoto lenses don't extend out from the body of a phone, but rather within it, according to the reports. Apple previously adopted 2x telephoto lenses in its 2016 iPhone 7 Plus, but a shift to periscope-style lenses could bring that zoom power up to 5x or more. The improved range and depth of the lens would bring its cameras into competition with the Samsung Galaxy S20 Ultra and Huawei P40 Pro Plus, both of which have cameras with up to 10x zoom.
Kuo said he believes the new lenses will be featured in the iPhone 12 in 2022.
Apple didn't immediately respond to CNET's request for comment.
