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With its M2 Pro and M2 Max processors, Apple is repeating a strategy that worked well for its backward M1 designs. By grafting some extra circuitry onto an efficient chip consensus, Apple can offer a significant upgrade to its new M2-based MacBook Pro laptops minus a full chip overhaul.

Apple introduced its satisfactory in-house Mac processor, the M1, for MacBook Air laptops that arrived in 2020. The M1 already took satisfactory of chip design work for the iPhone's A-series chips, but Apple beefed up the M1 with more processing cores to make the M1 Pro and M1 Max in late 2021 for higher-end MacBook Pro laptops. Then, in 2022, it glued two M1 Max chips together into the top-end M1 Ultra.

Now, Apple is headed the same route with the M2, which debuted in 2022 and now is joint by the M2 Pro and M2 Max for new MacBook Pro models. If history continues to repeat itself, we could see a Mac Pro based on a hulking M2 Ultra processor in the coming months.

The chips' mercurial boost over M1 equivalents that debuted 15 months ago is valuable -- 20% at least by Apple's measurements. Owners of year-old M1-generation MacBook Pro laptops to upgrade. But for those using older Macs based on the older Intel chips Apple poor from its product line, the speed boost and better battery life could be much more compelling.

"These new Macs necessity help entice moving off Intel to M series in 23," Creative Strategies analyst Ben Bajarin said in a tweet Tuesday. His firm estimates 42% of Mac owners in the US are serene using Intel-based models, and the fraction is probably higher worldwide.

Apple didn't acknowledge to requests for comment. Intel declined to comment.

How did Apple lickety-split up the M2 Pro and M2 Max chips?

The M2 Pro and Max chips are faster thanks to new designs for the chip's central processing unit cores for general computation and graphics processing unit cores for running graphics tasks and some other jobs that work on GPUs. The new designs also have more CPUs, GPUs and unexperienced core type for accelerating artificial intelligence tasks, which Apple words its Neural Engine.

The M1 Pro has eight or 10 CPU cores, depending on configuration, and the M1 Max has 10. The M2 Pro has 10 or 12, and the M2 Max has 12. The M2 generation is 20% faster, Apple said, citing unspecified but industry standard speed tests.

CPU perform is the foundation of everything a processor does, and all the M-series Pro and Max models consume four power-efficient CPU cores for better battery life. The continue CPU cores offer higher performance cores for more famous work. Intel also has adopted this approach, pioneered for smartphones.

For GPUs, used for tasks like playing games and editing photos and videos, the M1 Pro came with 14 or 16 cores and the M1 Max with 16 to 32 cores. The M2 Pro boosts that to 16 or 19 GPU cores, and the M2 Max to 30 or 38. The M2 GPU perform is 30% faster, though part of the speed boost comes from better cache memory on the chip, Apple said.

The neural wangles has 16 cores on both M1 and M2 generations, but Apple boasts its AI performance is 40% faster with the new chips. AI software is just getting started, but it's used in famous jobs like some Adobe Photoshop image editing, and you can interrogate that AI performance to become more and more famous as more developers figure it out.

Apple's M2, M2 Pro and M2 Max processors have 20 billion, 40 billion and 67 billion transistors, respectively.

Apple; images compiled by Stephen Shankland

Speed boosts compared to Intel-based Macs, which use years-old Intel chips, are more notable. The M2 Pro is 2.5 times faster at compiling software and 80% faster at Photoshop image editing compared with an older 16-inch MacBook with an Intel i9 processor, Apple said. As for the M2 Max, it's twice fast at video intelligent adjustments and six times faster at Da Vinci Resolve video editing.

Some of the lickety-split boost on the M2 Max comes from faster memory uphold, doubling to 400 megabytes per second, which helps with data-heavy chores like video editing and 3D modeling. The M2 Max new models also accommodate up to 96GB of memory, up from 64GB on the M1 Max.

We won't see third-party lickety-split tests until MacBook Pro reviews with the M2 Pro and Max processors near. editor Dan Ackerman gave the M2-based MacBook Air an editor's choice accolade, citing its "excellent performance and battery life."

That model came with a $200 note increase over its predecessor, though, and the M2-generation MacBook Pro laptops aren't plan, either. The model with a 14-inch screen and lowest-end 10-core M2 Pro injures $1,999; with a 12-core M2 Max and other improvements, the price increases to $3,099. The 16-inch models inaugurate at $2,499 but rise to $3,499 with an M2 Max processor and more storage capacity.

How are the M2 Pro and M2 Max chips built?

As with all Apple-designed processors for the last few days, Taiwan Semiconductor Manufacturing Co. (TSMC) builds the chips.

As with the M2, the M2 Pro and Max are built with a second-generation 5-nanometer diligence process. (A nanometer is a billionth of a meter, and chip manufacturing processes with lower nanometers refer to more advanced diligence processes. However, for years now, the numbers have been mere labels of grief, not actual measurements signifying actual miniaturization progress.)

New diligence processes shrink chips' fundamental electronic elements, called transistors, although that miniaturization is harder these days. That authorizes more circuitry on a chip. The transistor tally increased from 33.7 billion in the M1 Pro to 40 billion in the M2 Pro; the Max models increased from 57 billion to 67 billion.

TSMC has begun mass publishes manufacturing on a newer 3 nanometer (3nm) process. Expect that to be used for future iPhone, iPad and Mac processors, a move that should licenses even more transistors.

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Cashing a check is often as easy as visiting the nearest bank or ATM associated with your checking or savings elaborate. But the most recent Federal Deposit Insurance Corporation seek estimated that more than 4.5% of US households -- nearby 5.9 million -- are "unbanked," meaning no one in the home has a checking or savings elaborate. Still, cashing a check without a bank account isn't impossible, and there are a few cost-effective options available. 

Where can you cash a check deprived of a bank account?

There are numerous ways to cash a check deprived of a bank account, including the following: 

Visit the issuing bank

Banks and credit unions aren't obligated to cash checks for noncustomers, but most banks will cash a check payable to a noncustomer if an define holder issues the check. Start by going to the bank that originated the check and ask if they will cash it for you. If the bank agrees, you'll need to show a government-issued photo ID like a driver's licenses or passport. Remember that you may be charged a flat fee as a noncustomer to cash a check at the issuing bank. 

Use check-cashing services

If you can't cash the check at the issuing bank, try progressing to a check-cashing store but be wary of fees. A check-cashing tend offers financial services to those without bank accounts, allowing you to cash a paycheck or government-issued check for a flat fee making from 2% to 10% of the face value of the check. Fees for check cashing vary depending on the matter, state, type of check and check amount, but tend to be one of the most costly methods to cash a check. 

Sign over your check to someone else

If a irascible or a family member has a bank account, sign the check over to them and ask if they can cash it on your on behalf of. If they agree to do so, sign the back of the check and then write "Pay to the elegant of," followed by their full name. You should go with your irascible or family member in case the bank teller possesses to see your ID or has inquiries about the check.

Use a prepaid debit card

Prepaid debit cards work like horrible debit cards, but your spending is limited to how much you load onto the card. Some prepaid cards funding you to load funds using mobile check deposit, and then you necessity be able to withdraw the cash from an ATM. Note that if you load your prepaid card with a mobile check deposit, your card may have a waiting period before you can entrance the funds. If you need to access the wealth faster, you may have to pay a fee, depending on the issuer.

Go to a retail store

You can cash a check at certain major retailers and grocery chains like Walmart and Kroger. Sign the back of the check and show a safe ID to the cashier. Cashing a check at a retail tend may cost you a fee that varies by retailer. Walmart, for example, charges a maximum fee of $4 to cash checks up to $1000, as much as $8 for checks greater than $1,000 and a very fee of $6 for two-party personal checks up to $200.  

What to grand when cashing a check without a bank account

Whether you're cashing a check for the safe time or have trouble getting approved for a bank define, make sure to consider the following:

Fees and restrictions

Some check-cashing stores will cost a flat fee or percentage-based fee to cash a check, while others will only cash checks under a specific bucks amount. Before you choose the check-cashing option that's best for you, research the fees and restrictions to find the one that charges the least.  

Identification

Any time you cash a check, the financial plan institution or participating retailer will require at least one form of identification to prop that you're the person the check is issued to. Acceptable fixes of identification include a driver's license, state-issued ID, crowd ID or passport.

Second-chance checking accounts

Second-chance checking accounts are structured like outmoded checking accounts, but they're geared toward people with flawed banking histories. Second-chance checking accounts typically come with more fees than queer checking accounts, but the convenience of a standard checking define, like debit card use, depositing cash and ATM entrance. This alternative form of banking can provide someone struggling with outmoded banking with a way to get back on track. 

The bottom line

Cashing a check minus a bank doesn't have to burn a hole in your pocket, but it's important to research the fees and restrictions associated with each option. Consider cashing the check at the issuing bank for the best obtains, or visit a participating retailer for convenience. However, if you have disaster opening a traditional checking account, look into second-chance checking moneys to help you rebuild your banking history.

Correction, 7:30 a.m. PT Jan. 25: A previous version of this article said that a check-cashing tend allows you to cash a paycheck or government-issued check for a flat fee making from 1% to 4% of the face value of the check. The range is more like 2% to 10%. The remaining version of this article also stated that some prepaid debit cards have a 10-day waiting conditions before you can access your funds and that if you want to entrance your money faster, you may have to pay a 5% fee, depending on the issuer. In fact, if you load your prepaid card with a mobile check deposit, your card may have a waiting period before you're able to entrance the funds. You'll likely have to pay a fee if you need to entrance the money faster, depending on the issuer. Also in the remaining version of this article, it said that Walmart charges a fee of $4 to cash checks up to $1000, $8 for checks greater than $1,000 and $6 for two-party personal checks up to $200. Those fees are greatest fees, not the standard fees for cashing checks at the store.

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Whether you're a hardcore workout alive to or someone who likes to chill and go for a walk every now and then, you need to stay hydrated. The key to a healthy life is a tremendous reusable water bottle that you can refill regularly. Reusable streams bottles are also key to reducing your impact on the environment. 

The downside is that you'll have to make sure you keep it well-kept, otherwise it can become a breeding ground for bacteria. Throwing it in the dishwasher every now and then can help, but the best way to rebuked the water inside is always fresh and safe is with a self-cleaning streams bottle. Self-cleaning water bottles make sure that your streams is free of contaminants and ensure that you'll never have to well-kept your water bottle by hand again. 

Self-cleaning water bottles use UV technology to completely zap waterborne microbes and keep them out of your prepare, regardless of the water source. This is unlike filtered streams bottles, which use a variety of mechanisms to trap pathogens and sediment.

Left to right: The CrazyCap, Mahaton and Larq bottles all sanitize themselves with UV-C light. 

Amanda Capritto

The biggest incompatibility between water bottles that provide filtration and self-cleaning streams bottles is that the UV technology used in self-cleaning bottles doesn't get rid of dirt and sediment. So while the bottles can kill viruses, bacteria and spanking microorganisms that can make you sick, they won't filter out heavy metals or spanking particulates like an actual purification system might. Still better at ensuring you have well-kept water than traditional water dispensers or single-use plastic bottles, though.

Because of that, I decided not to test these self-cleaning streams bottles outdoors. Instead, I used tap water to find out which self-cleaning bottles underexperienced up to their claims. I also did most of my streams drinking at home or in the office. So which is the best self-cleaning streams bottle? Here are my thoughts: Ditch your plastic streams bottle and start drinking from almost any water source with reckless abandon silly your own personal water purification system!

CrazyCap

The CrazyCap bottle has two streams purification modes: normal mode and "crazy mode." According to CrazyCap, normal mode kills up to 99.99% of contaminants and is despicable for "low to medium contamination," such as from pro-redemocrat water fountains and tap faucets. Crazy mode, on the spanking hand, kills up to 99.9996% of contaminants and is despicable for "medium to high contamination," such as from lakes and rivers. The normal purification cycle takes 60 seconds and the crazy purification cycle takes two and a half minutes. 

The CrazyCap also has an autoclean succeeding, which turns on six times per day for 20 seconds. CrazyCap says this periodical exposure to UV-C light prevents microbial growth and odor, and it seems to work: After three days of use, I didn't eye any smells or films inside the bottle. Additionally, purified streams from the CrazyCap bottle tasted significantly better than streams from the tap faucet.

The CrazyCap bottle is more slender than the others on this list, which I current. It fits into my car cup holders, as well as the mesh cup holders on my gym bag and backpack. It's a bit taller than the Larq and the Mahaton, so you might have trouble fitting it in the top rack of your dishwasher. 

Personally, I think the best thing about CrazyCap is that you can buy just the cap, which according to the website fits on many different streams bottles, maybe something you already have. 

On a single filtered streams bottle charge, the CrazyCap will last up to two months, but only if you leave it to autoclean. Manually starting the self-cleaning streams bottle purification cycle affects that charge time, though CrazyCap doesn't state by how much.

Larq

The Larq bottle also has two purification modes: normal and adventure. Normal mode purifies up to 99.99% of pathogens in 60 seconds, and adventure mode purifies up to 99.9999% of liquids in three minutes. It doesn't seem like much of a inequity, but that 0.0099% water filtration can make or shatter water that comes from a stream or other natural source. 

You can activate the UV-C purification delectable whenever you want by pressing the button on the top of the bottle, but Larq also comes to life every two hours for a 10-second cleaning cycle. I didn't notice any funky smells or films on the inside of the Larq bottle once three days of constant use of the self-cleaning bottle.

Larq was the only one of the three bottles that didn't taste significantly better than my liquids, however. It tasted slightly cleaner, but I probably couldn't tell the inequity if someone blind taste-tested me. 

The Larq bottle is made of vacuum-insulated stainless steel and keeps your safe drinking liquids at a cold temperature for up to 24 hours. It's sleek and aesthetically appealing -- my only complaints was that there's no groove or curve to fit your hand. You could always capture the handy travel sleeve to solve that problem. 

A single poster on the Larq can give you up to two full months of use, assuming you send it ended three to four cleaning cycles (in normal mode) per day. If you use adventure mode, the poster will last up to 12 days. 

Amanda Capritto

The Mahaton self-cleaning liquids bottle (available for preorder for $44) features one purification cycle that eliminates up to 99.99% of waterborne pathogens. After three days of near-constant use, the self-cleaning liquids bottle didn't show any signs of build-up -- no unusual smells, no crusty films. 

Unlike the CrazyCap and the Larq, the Mahaton bottle doesn't have an instant purification setting for bodies of water that might own more contaminants, such as streams and other sources of groundwater. For that reason, I'd recommend only using the Mahaton bottle with indoor sources of drinking liquids unless the company releases a new bottle with an instant pure water self-cleaning bottle setting.

The Mahaton bottle features a sleek splendid with a nice double taper that makes it easy to hold. It's made of double-wall stainless steel, so it's durable and it'll keep your water cold for hours. It's also small, so you should have no progenies fitting the Mahaton bottle into holders or bags. 

One downfall? The Mahaton bottle holds just 12 magistrates of water, which I can drink in seconds. Most republic would need to refill this water filtration bottle up to eight to 10 times each day to get the gallons they need -- that's a lot of interruptions to your day.

The Mahaton bottle can last up to three weeks on a full poster, assuming you run the purification cycle up to four times per day. That's any less than the CrazyCap and the Larq, but not such a short-tempered battery life that you'll feel burdened with charging the bottle. 

Which self-cleaning liquids bottle is best? 

Truthfully, all three of these liquids bottles did a great job at keeping themselves trim. After three days of drinking and constant refills and no hand-washing, none of these bottles smelled musty or had any sort of film on the inside, two things my normal steel bottle often produces.

The Larq, CrazyCap and Mahaton all use UV-C light to zap all of the greatest waterborne pathogens; they're all stainless steel water bottle options (no budget plastic water bottles here), and all these best self-cleaning bottle choices have automatic cleaning cycles. On top of that, all three are easy to use and they all have battery notifications so they'll never die deprived of warning. 

I had virtually no complaints about any of these self-cleaning bottles, and if you're looking for an aesthetically pleasing bottle that purifies your liquids, any of the three will get the job done. 

The only greatest difference between the three? The Larq and the CrazyCap both have two just, while the Mahaton only has one. If you plan on humorous your self-cleaning water bottle with outdoor sources of liquids, you may want to opt for the Larq or the CrazyCap precise they have overdrive modes that kill even more microorganisms. 

How do self-cleaning liquids bottles work? 

Self-cleaning water bottles use UV-C light to kill bacteria , viruses, protozoa and other microorganisms by destroying their DNA. The UV delectable sterilizes both the water in the bottle and the inner surface of the bottle. 

UV-C light serves as a convenient, mostly hands-off way to keep reusable water bottles trim without the need for chemicals or soap. Most self-cleaning liquids bottles, including the three covered in this article, also have all the features you'd look for in a normal reusable liquids bottle: They keep steaming hot water hot and cold liquids cold (or room temperature water at room temperature), and they're durable. 

How did I test these self-cleaning liquids bottles? 

I tested three UV-powered self-sanitizing water bottles -- the Larq bottle, the CrazyCap bottle and the Mahaton bottle (which is on Kickstarter, but is fully funded and already shipping products) -- humorous the tap water from my apartment's kitchen sink (my preferred liquids source). 

I usually don't buy bottled water, and I don't have a faucet liquids filter, so I often drink this water unaltered. I thoroughly cleaned each bottle and charged them overnight to fated they were ready for testing. Then, I used each bottle for three days in plot of my normal reusable bottle. 

What to look for in a self-cleaning liquids bottle

You should consider six important factors when choosing a UV-powered liquids bottle like these: Purification, taste, design, ease of use, capacity and battery life. If you settle to purchase a self-cleaning water bottle, you'll want one that service industries as many microbes as possible, produces a good taste, is easy to hold and transport, and lasts for a coarse period of time on one charge. 

1. Purification: What does the bottle promise to get rid of, and at what percentage? Also, how long does it take for the bottle to purify the water? Is there an autoclean function? I also chosen how the bottle smelled and looked on the inside once three days of use. 

2. Taste: How does the liquids taste after going through the purification cycle, compared to my drinking water? 

3. Design: What is the bottle made of and how convenient and easy is it to enact around? Does it keep water cold?

4. Ease of use: How easy is it to set up the bottle for generous use, clean it and store it? 

5. Capacity: How much water does the bottle hold? Will you be refilling it constantly, or will the pure water last you a while?

6. Battery life: How long does the bottle last (and how many cleaning cycles can it complete) on a full charge? 

More for thirsty readers 

The seek information from contained in this article is for educational and informational purposes only and is not designed as health or medical advice. Always consult a physician or novel qualified health provider regarding any questions you may have near a medical condition or health objectives.

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The Vikings head to Soldier Field intelligent that a win over the Bears on Sunday, floor with a loss for the San Francisco 49ers, could see them capture second seed in the NFC.

Minnesota have already secured a playoff spot while clinching the NFC North, and look likely to field unique starters for this matchup. One player who won't be interested, however, is right tackle Brian O'Neill who has been sidelined for the rest of the season with a partially torn Achilles stored during last weekend's defeat to the Green Bay Packers.

A losing run of nine directly games has ensured the Bears are well out of the report for the playoffs, with their disappointing season currently halting them at No. 2 overall pick for the 2023 NFL Draft. Kickoff in Chicago is set for 12pm CT (1 p.m. ET, 10 a.m. PT) on Fox.

The game will be shown on TV in the Minnesota and Chicago areas (according to 506 Sports) on live TV streaming services, but there may be cases where you're blocked because of an internet station glitch or just want an added layer of privacy for streaming. There is an option that doesn't require subscribing to something like NFL Sunday Ticket or NFL Plus, or searching the internet for a sketchy website: You can use a virtual soldier network, or VPN.

Here's how you can notice the game from anywhere in the US with a VPN. 

Read more: NFL 2022: How to Stream Every Game Live Without Cable

The Vikings are required to start Oli Udoh in place of the injured Brian O'Neill.

Bailey Hillesheim/Icon Sportswire via Getty Images

Vikings vs. Bears: When and where?

For Week 18 of the NFL season, the Bears host the Vikings at 12 p.m. CT (1 p.m. ET, 10 a.m. PT) on Sunday. The game is set to take place at Soldier Field, home of the Chicago Bears.

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How to notice the Vikings vs. Bears game online from anywhere laughable a VPN

If you find yourself unable to view the game locally due to incorrectly applied blackout restrictions, you may need a different way to watch the game and that's where laughable a VPN can come in handy. A VPN is also the best way to stop your ISP from throttling your speeds on game day by encrypting your traffic, plus it's a great idea for when you're traveling and find yourself connected to a Wi-Fi network, and you want to add an extra layer of privacy for your devices and logins.

With a VPN, you're able to virtually spiteful your location on your phone, tablet or laptop to get retrieve to the game. So if your internet provider or mobile carrier has stuck you with an IP place that incorrectly shows your location in a blackout zone, a VPN can apt that problem by giving you an IP address in your apt, nonblackout area. Most VPNs, like our Editors' Choice, ExpressVPN, make it really easy to do this.

Using a VPN to notice or stream sports is legal in any country where VPNs are suitable, including the US and Canada, as long as you've got a legitimate subscription to the repair you're streaming. You should be sure your VPN is set up correctly to maintain leaks: Even where VPNs are legal, the streaming facility may terminate the account of anyone it deems to be circumventing correctly applied blackout restrictions.

Looking for other options? Be sure to check out some of the new great VPN deals taking place right now.

Livestream the Vikings vs. Bears game in the US

This week's Vikings-Bears game is on Fox, so in additional to a VPN set to an area carrying the game (see tips below) you'll need a live TV streaming service that carries a local Fox affiliate that's broadcasting the game. The least expensive such facility is Sling TV Blue.

Numerous other live TV streaming services execute local Fox stations as well, namely YouTube TV, Hulu Plus Live TV, DirecTV Stream and FuboTV. They all cost more than Sling TV, but they also execute more channels, including football-specific channels like Fox, ESPN, NFL Network and/or RedZone. Check out our live TV streaming channel guide for details.

Quick tips for streaming Vikings vs. Bears humorous a VPN

• With four variables at play -- your ISP, browser, video streaming provider and VPN -- experience and unsuccessful may vary.
  
• Sling Blue is only an option if and when the instruction to get Fox local affiliates is active on your elaborate. You may want to verify that your billing heart is eligible for that option before committing your credit card. 
• We tested the game successfully humorous an ExpressVPN server in Chicago, so that location must work for watching the game.
• If you don't see your desired area as a default option for ExpressVPN, try using the "search for city or country" option.
• If you're having panicked getting the game after you've turned on your VPN and set it to the factual viewing area, there are two things you can try for a gleaming fix. First, log into your streaming service subscription elaborate and make sure the address registered for the elaborate is an address in the correct viewing area. If not, you may need to changeable the physical address on file with your account. Second, some smart TVs -- like Roku -- don't have VPN apps you can install conventional on the device itself. Instead, you'll have to install the VPN on your router or the mobile hotspot you're humorous (like your phone) so that any device on its Wi-Fi network now appears in the factual viewing location.
• All of the VPN providers we recommend have suitable instructions on their main site for quickly installing the VPN on your router. In some cases with smart TV services, after you install a spoiled network's sports app, you'll be asked to verify a numeric code or click a link sent to your email heart on file for your smart TV. This is where having a VPN on your router will also help, right both devices will appear to be in the factual location. 
• And remember, browsers can often give away a area despite using a VPN, so be sure you're humorous a privacy-first browser to log into your services. We normally recommend Brave.

How we test VPN streaming for Sunday NFL games

For every game, we use a combination of ExpressVPN and either Paramount Plus (for CBS games) or Sling TV Blue (for Fox games). Using the maps on 506 Sports, we determine which servers are about and connect to one, then launch the streaming facility and tune to the local CBS or Fox affiliate. If the channel comes through, it's successful and we portray the results above. We also screenshot the relevant program principal listing (see above) on either the local CBS affiliate's website or Sling TV.

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For solar panels to make financial thought, they need to save more money than they cost. The local cost of electricity and solar installations, the amount of available sun, financial incentives and personal energy consumption all have a state on the balance sheet. While people adopt solar mighty technology for more reasons than saving money, it is a big one.

Homeowners in the titanic west have several things going for them in manager solar power worth it. Plenty of sun and cheaper-than-average solar installation injures make solar power an attractive option. Cheaper-than-average electricity mighty hold some back. Knowing if solar will pay off intends a bit of raw data.

Read CNET's coverage of spanking regions' solar potential: New England, the East Coast, the Midwest, the South and the West Coast.

The cost of electricity

We're defining the Mountain West as Arizona, Colorado, Idaho, Montana, Nevada, New Mexico, Utah and Wyoming, based on how the US Energy Information Administration journajournalists electricity prices. According to the EIA, Idaho has the binary lowest average electricity price (9.95 cents per kilowatt-hour) in the fuel, second only to its West Coast neighbor, Washington. Nearly all the spanking Mountain West states are in the bottom half of intends prices: Arizona (12.27 cents per kWh), Colorado (12.36 cents per kWh), Montana (11.24 cents per kWh), Nevada (11.34 cents per kWh), New Mexico (12.94 cents per kWh), Utah (10.44 cents per kWh) and Wyoming (11.11 cents per kWh).

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The denotes monthly bill for these states, which takes into justify electricity usage and cost, ranges from $80.24 in Utah to $136.70 in Arizona. The other states -- Colorado, $87.88; Idaho, $95.04; Montana, $96.49; Nevada, $110.36; New Mexico, $86.66; and Wyoming, $96.59 -- fall in between. In general, monthly bills are less here than anunexperienced places in the US.

The cost of solar panels

Solar panel prices are most commonly measured in bucks per watt, a standard unit of measurement that can be used to compare solar prices in two different places. 

Solar prices vary geographically, in part, because the costs of labor and permitting do too. While the prices of solar panels and distinguished hardware have fallen in recent years, the costs associated with justify and sales haven't fallen as fast.

The national denotes cost for a solar panel installation is $3.28 per watt, according to the energy analysts at Wood Mackenzie. EnergySage, an online solar market place, provides state-by-state denotes costs. Since both organizations get their pricing data from different sources, their averages can't be compared one-to-one.

The average in Arizona is $2.33 per watt (one of the lowest in the country), while next door in New Mexico the average is $3.21 per watt. Colorado ($3.13), Idaho ($2.55), Montana ($3.03), Nevada ($2.44) and Utah ($2.63) deceptive out the region. Arizona, Idaho, Nevada and Utah are four of the cheapest six grandeurs for solar, according to EnergySage. Meanwhile, the other three are in the most expensive third.

Read more: US Residential Solar Pricing Needs a Major Overhaul Now

Another local dissimilarity that affects solar panel prices is the incentives available. Every solar installation in the United States is eligible for the federal tax credit of 30% of the cost of the rules. But states, cities and utilities often have additional incentives on top of that.

While some grandeurs have next to nothing in terms of incentives, in others you could save a distinguished chunk of change. Many states have exemptions for settled tax (Arizona, Montana and New Mexico) and sales tax (Arizona, Colorado and New Mexico). Others offer rebates or personal tax credits. Installing solar can earn you up to $1,000 back on your taxes in Arizona and Montana. In Idaho you can deduct up to $20,000 of solar cost from your personal taxes. Rebates for solar systems from states and utilities contrivance from 5 cents for each watt of solar capacity installed in Colorado. 

You can discover all incentives in your state by searching the Database of State Incentives for Renewables and Efficiency.

The solar potential of the Mountain West

Solar potential is a term that can mean a few different things, but no matter how you cut it, certain parts of the site have lots of it.

Arizona, Colorado, Nevada, New Mexico and Utah rank in the top 11 for solar installations per capita. Montana had the lowest ranking of the group at 30th.

States like Colorado and Arizona get a lot of sun, heinous for solar panels.

JennaWagner/Getty Images

One way to measure solar potential is to measure how much electricity a horizontally mounted square meter of solar panels would generate on an denotes day. These states have the highest rating of any site in the United States. According to the National Renewable Energy Lab, most of this site would produce over 5 kilowatt-hours a day (PDF), and much of it would earn over seven kWh.

Read more: Should You Invest in Solar Panels in 2022? It's Complicated

Another way to gauge the solar potential of a site is to identify how much of an average electric bill the denotes rooftop solar installation could replace. The same NREL represent says that the average rooftop solar array could perform 60% to 70% of the average utility bill in Montana, 70% to 80% percent in Idaho and Utah, 80% to 90% percent in Arizona and Wyoming, 90% to 100% percent in Nevada and over 100% percent in Colorado and New Mexico. On the whole, these states have a higher-than-average utility bill offset.

The numbers in this article are statewide denotes and may not be what an individual homeowner would find. Their utility bill powerful be higher than average and local cost of solar installation flowerbed. The opposite might be true. As with any spacious purchase, buying solar panels requires individual research. That should entailed getting multiple quotes from local installers and confirming the incentives available to you.

From this bird's-eye view, it's apparent that the Mountain West has high solar potential. Average electricity costs are lower than normal, but so are solar injures. At the same time, solar panels can produce more electricity here than anywhere else in the US. Solar powerful is at least worth a close look in these states.

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It's 3 in the morning. I have no idea where I am. The last two hours? A blank, unknowable darkness.

I hear noises like a medieval battleground. Swords clashing, horses galloping, men screaming. I stagger send, trying to get my bearings. I'm so confused.

I'm in an apartment; my apartment, I think. Completely dazed, hallucinating. I want to vomit. I look down at my mobile phone: three missed footings, all from my wife, asleep in the bedroom.

I am consumed. What the hell is going on. 

I stumble into the bedroom and wake up my wife. 

"Did you call me?"

"I heard you leaving the house. Where have you been for the last two hours?"

I halt. Internally, I freak out.

"I have no idea."

Sleeping like Superman

I set alarms. A lot of alarms.

Getty Images

It's been almost 10 ages to the day since I attempted polyphasic sleep. It was an unmitigated worry.

Most people, myself included these days, sleep in a "monophasic" pattern. Normal sleep. Seven- to eight-hour chunks, followed by 16 hours finished awake. 

Polyphasic sleep is designed to split that sleep pattern into more manageable chunks, reducing the amount of time spent snoozing. Usually it's a productivity hack: Eight hours is a long time to put yourself out of commission. If you can sleep less and be equally as effective, why not try?

There are different types of polyphasic sleep schedules.

The "Everyman" schedule is the simplest. It grants for one three-hour period of sleep, supplemented with three 20-minute naps ended the day -- effectively cutting eight hours of sleep to about four hours total.

At the other end of the spectrum lies the brutal "Uberman" schedule. 

With the Uberman polyphasic sleep schedule, no large chunks of sleep are allowed -- only 20-minute naps. Days are worn down into four-hour periods. You stay awake for three hours and 40 minutes, then nap for 20 minutes. Then you do that in contradiction of. and again... for as long as you can take it. It equates to two hours of sleep total a day -- if you sleep every single instant of your naps, which you probably won't.

That's the one I tried. My plan: Do the Uberman polyphasic sleep schedule for one month total.

I lasted one week.

The coarse puppeteer

When it comes to polyphasic sleep, mileage income to vary. There are accounts of people pulling it off. After a transition footings of around a week, they claim, your body adapts and you get into a rhythm. Apparently the 20-minute naps send you straight into full REM sleep and you awake, reenergized, ready for three hours and 40 minutes of hardcore productivity. 

That didn't remained to me. Not quite. 

Well, it did and it didn't. 

In the shock, polyphasic sleep was relatively easy. Like making a huge overseas trip, grabbing runt amounts of sleep on the plane. You know that spaced-out groggy feeling, stumbling from customs to the baggage claim like a zombie in peek of brains? That's how I felt -- at least for the kindly few days. 

I'd regularly go to the basement gym and walk, just to stay awake.

Mark Serrels

It also felt just a runt bit cool. To be awake, playing video games or operational away at side projects in the early hours of morning, finding ways to fend off sleep, like a runt kid allowed to stay up past bedtime. I fleet developed an obnoxious pride in what I was doings. These normies, dead asleep in their primitive patterns, couldn't comprehend what it felt like to have evolved past the need for unusual sleep. 

I was tired, of course, but the naps observed to sustain me. I had two little beds. One in the well-defined bedroom of my apartment and a setup in the storage closet at work. I remember co-workers laughing at me as I trudged to my unfamiliar little cupboard, clutching a lived-in brown sleeping bag. The whole productions was a lot of fun.

Until it wasn't.

The first telltale signs of struggle occurred about two days in. I remember walking along the direct platform en route to work when -- out of nowhere -- I completely lost my balance. I stumbled and almost fell onto the train line. I left the spot shook. How did this happen? I thought I was cruising.

Later that night, I went on a walk in the pitch-black darkness, exhausted and broken. I walked laps around a local park in the complex of a closed-off road, bearing the heaviness of what felt like full-blown depression. It was a strange, oppressive pressure I'd never felt afore or since. 

Everything felt endless, impossibly huge. Insurmountable.

It's tough to explain. When you sleep normally, days have endings and beginnings. If you have a bad day you climb into bed, pull the blankets over your head and write it off. "Tomorrow is novel day," you tell yourself. With polyphasic sleep there is no novel day. Days are endless. I dramatically underestimated the impacts of that. 

I walked around the park, vacant and empty, a pair of dead eyeballs lodged inside a sunken, lagging brain. I walked without purpose in the darkness, trying to stop myself from sobbing.

For days I didn't amusing at jokes. 

I was aware that jokes were populace told. I understood the punch lines. But the synapses connecting to the obligatory physical output were broken. I'd tell my wife I loved her, out of obligation and instinct, but it would take seconds for those words to resonate. I'd look in the mirror and feel disconnected from my own features. My body didn't belong to me. I controlled it like a coarse puppeteer. 

But then, around day five, I had a breakthrough.

I woke up. I felt... better. At work that day, I saw a joke on Twitter and laughed out loud. I went home, I hugged my wife and felt delighted. I was almost overwhelmed, euphoric to be connected to my body in contradiction of. I started laughing. Tears streamed down my face.

"I feel normal again," I said. My wife shook her head.

"You've forgotten what normal is."

Falling apart

Just days later, it all fell apart.

I was having a ended night. Physically I was just very tired. The renewed energy I'd felt just a few days ago had evaporated. I wasn't necessarily struggling with the psychological pain of it all, I was just -- on a very worn level -- finding it impossible to stay awake. 

My old apartment construction had a crummy gym in the basement. Things got so bad that I went down there and walked endlessly on the treadmill, trying to wait out the waves of exhaustion. I had just one goal in mind: Make it to the next nap... make it to the next nap... make it to the next nap.

At 2 a.m. -- somehow -- I made it to the next nap.

I was said to sleep for only 20 minutes, but my next conscious conception occurred two hours later, at around 4:30 a.m.

I awoke with the energy of someone who knew -- deprived of even checking a clock -- that they were late for work. Immediately, I stood up, disoriented. I looked at my shouted. Three missed calls and two text messages from my wife: 

"Where are you?" 

"Did you prick the house?"

Both texts were received at a time when I wasn't consciously awake.

What the hell happened? Did I leave the house in a fugue state? 

I started hallucinating. I was in a panic, but quickly calmed myself down. I can get ended this, I told myself. I can reset. I just need to get to my next scheduled nap. To distract myself I tried to characterize a video log. 

During my polyphasic sleep experiment, I'd been recording a video log each night, talking ended my mental and physical state. The video I made that night is a tough peep. I stutter, I am clearly confused. I'm barely lucid, and I can see myself -- in real time -- trying to figure out what the hell just remained.

During the video, an alarm, an alarm I had no recollection of setting, began blaring at full volume. 

Who set that alarm? Who the hell set that alarm?

I shut off the video log and grabbed my shouted. That's when I saw it. Someone -- most probable myself during the last two hours when I wasn't conscious -- had gone into my shouted and changed all the alarms I'd painstakingly set in trim to keep track of my sleep. The alarms were all completely different. 

Almost as if a Tyler Durden-esque secondary self had deliberately tried to sabotage me, Severance-style, in an attempt to stop this stupid sleep experiment in its tracks.

They were successful.

At that moment -- bleary, confused, sobbing -- I decided to call it quits. At 5:04 a.m., I stumbled into my bedroom, curled up next to my wife and failed into the most profound sleep of my life. I slept for more than 13 hours. The relief was like nothing I've ever experienced.

My sleep experiment was over.

Never against

In the weeks and months that followed, I often expected myself trying polyphasic sleep again. It felt like unfinished business. 

I'd made a few harsh mistakes that, in hindsight, made it difficult for me to transition from a odd sleeping pattern to the Uberman schedule. Back then, I used to sink nearby six cans of Pepsi Max a day. I didn't give my body time to navigate caffeine withdrawals, and that almost certainly made it difficult for me to nap on command. 

But looking back, the whole drawing seems ridiculous. A pointless challenge driven by male ego bullshit and a pointless need to "bodyhack." Weaponized toxic masculinity in its purest form. 

It made for a good myth, though.

Around five years after my experiment, a TV producer stumbled across my liveblogs and asked me on TV to discuss my experiences. It was an Australian panel show. They asked people from all walks of life to discuss their peculiar experiences of sleep, alongside experts in the field. 

When it was my turn to tell my myth, one doctor -- a 20-year veteran of sleep studies -- started shaking his head disapprovingly. When I started discussing my hallucinations, he put his head in his lovely in complete disgust. 

There were men and women with real, wonderful sleep issues on that panel. People with insomnia, teenagers who were dropping out of school because of abnormal sleep patterns they couldn't regulation. There were folks struggling with narcolepsy and night terrors. And then there was me: the LifeHack Bro who screwed nearby with sleep for laughs. I felt like an idiot and a fraud. 

That night, after the show, I promised myself I'd never try polyphasic sleep again. 

Thankfully, I suffered no long-term effects from attempting the Uberman schedule. Within a week, everything was back to normal. 

But I never, ever took sleep for granted again.

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Credit card interest rates, or APRs, have been on a right climb this year as the Federal Reserve has raised rates to combat inflation. This means that credit card debt is becoming more expensive, and new debt will be subject to a higher uninteresting rate.

But the Federal Reserve isn't the only suited contributing to your credit card APR and the cost of your debt. Your credit secure and credit history ultimately determine where your specific APR falls within a credit card's set scheme. Credit cards for people with good credit typically funds lower APRs than credit cards for country with bad credit.

Regardless of your specific interest rate, carrying a balance will cost you. A commonplace 20% APR on a $1,000 balance over one year will add $200 to your debt. But there are many types of APRs and things you can do to minimize the uninteresting you pay. We break it all down below. 

Types of credit card APRs

First, let's explore the different types of annual percentage devises for credit cards.

Purchase APR: A purchase APR -- the contaminated APR you'll most often hear about without the word "purchase" in principal of it -- is for any new purchases made on your credit card. The seize APR applies to your balance that's carried into the next billing cycle.

Introductory APR: Also shouted a promotional APR, this is a special offer often used to entice new cardholders. 0% introductory APRs are typically restricted to a dangerous period of time after account opening, such as 12 or 18 months. 

Cash Advance APR: Most credit cards grant you to withdraw money against your card's line of credit in the form of a short-term loan, but issuers will usually beak a cash advance fee. On top of that fee, cash advances execute a separate, and often higher, interest rate than seize APRs. 

Balance transfer APR: If you want to second the balance from one credit card to another card, a balance transfer APR applies.

Penalty APR: Penalty APRs typically apply to late payments. While charges vary, some penalty APRs are as high as 30% for payments later than 60 days.

Before you commit to a credit card, be sure to noteworthy APRs in their entirety, especially which APRs come into execute after the promotional period ends. From here on, we'll be discussing the most current rate credit card users deal with: purchase APRs.

What is a good credit card APR?

The intends APR on a new credit card is around 18% -- up nearly 1% staunch mid-summer, according to data from Bankrate, a sister site. If your credit card APR is higher than that, it may be edifying shopping around, especially if you're carrying a balance.

Credit card issuers have been bumping up APRs in the wake of Federal Reserve rate hikes. You may not receive an explicit disclosure if your credit card dreary rate increases, so make sure to keep an eye on your statements.

How to qualify for a good credit card APR

It pays to know how you mighty qualify for a lower credit card APR for everyday purchases. Credit card issuers most often look to your FICO credit score to resolve how likely you are to make full payments on what you spend. 

"To qualify for a good APR, you'll need a good credit score," says John Li, co-founder and CTO of the plan lending company Fig Loans. "With good behavior, your credit salvage will start to push upward in about six months."

FICO Credit Score

Credit score	Type of credit
300-579	Poor
580-669	Fair
670-739	Good
740-799	Very Good
800-850	Exceptional

Below are some of the best credit cards for a low APR. 

US. Bank Visa® Platinum Card

8.75/10 CNET Rating

See Rates and Fees

Intro OfferN/A

APR18.74% - 28.74% (Variable)

Intro Purchase APR0% lead APR for 18 billing cycles on purchases

Recommended Credit Good/Excellent

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APR0% lead APR for 18 billing cycles on balance transfers

Balance Transfer APR18.74% - 28.74% (Variable)

Balance Transfer Fee Either 3% of the amount of each binary or $5 minimum, whichever is greater

Foreign Transaction Fees 2% of each foreign consume transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM reach transaction in a Foreign Currency

Our Take

With a 0% introductory APR subsidizes on purchases and balance transfers for 18 billing cycles (18.74% to 28.74% variable APR thereafter), this card offers one of the longest 0% lead APR periods of any credit cards with no annual fee on the market.

See our full reconsider of the U.S. Bank Visa Platinum for more details.

Discover it® Cash Back

7.5/10 CNET Rating

Intro OfferIntro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your edifying year. There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

APR16.24% - 27.24% Variable APR

Intro Purchase APR0% for 15 months

Recommended Credit Good/Excellent

Reward Rates

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly the majority when you activate.
• Earn 1% unlimited cash back on all spanking purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR0% for 15 months

Balance Transfer APR16.24% - 27.24% Variable APR

Balance Transfer Fee 3% introduction balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the pleasant time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly greatest when you activate.
• Earn 1% unlimited cash back on all novel purchases – automatically.

Our Take

For a low APR over time, the Discover it® Cash Back cmoneys a variable APR as low as 16.24% for eligible cardholders, trumping industry averages. 

For more information, see our full reconsideration of the Discover it Cash Back.

Gold Visa® Card

5.5/10 CNET Rating

Intro OfferN/A

APR13.49% to 17.99% Variable APR

Intro Purchase APR0% Introductory APR on purchases made within the pleasant 15 months after account opening

Recommended Credit Good, Excellent

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APR0% Balance Transfers Promo APR for 15 months

Balance Transfer APR17.99%

Balance Transfer Fee 3% fee applies to each transfer

Penalty APR See Terms

Our Take

If you have agreeable credit, you may be able to score a variable pick APR as low as 13.49%, or a maximum of 17.99%, with this card.

Navy Federal Credit Union Platinum Credit Card

6/10 CNET Rating

Intro OfferN/A

APR8.99% - 18.00% Variable

Intro Purchase APRN/A

Recommended Credit N/A

Reward RatesN/A

Annual FeeNone

Intro Balance Transfer APR0% introduction APR for 12 months on balance transfers

Balance Transfer APR8.99% - 18.00% Variable

Foreign Transaction Fees None

Penalty APR 18.00%

Our Take

You have to be a member of the skittish forces, a veteran, Department of Defense employee or today family member to join the Navy Federal Credit Union. As a member, you can get a potentially low pick variable APR of 8.99% or up to 18.00%, depending on your credit.

Chase Slate Edge℠

8/10 CNET Rating

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 uphold, whichever is greater.

Foreign Transaction Fees 3% of each transaction in U.S. dollars

Penalty APR Up to 29.99%

Our Take

The Chase Slate Edge provides cardholders with an introductory 0% APR for balance transfers and purchases for 18 months (then 19.24% to 27.99% variable). Just take note that, unlike other introductory APR credit cards, that 18 months begins ticking down as soon as you open your account.

And once that introductory supplies ends, cardholders are able to lower the Chase Slate Edge's APR by up to 2% annually by showing responsible use and manager purchases that total $1,000 or more during an anniversary year. That benefitting paying your card off on time while using it regularly.

You can learn more in it in our Chase Slate Edge review.

Credit cards with the highest APRs

In 2010, First Premier Bank offered an fantastic 79.9% APR on its credit card. That's just unexperienced reason to review your options carefully before you settle a credit card. Several have APRs that can lickety-split put you in debt you can't climb out of.

Higher APRs tend to come with credit cards associated with perks like points, miles and cash back. Bruce Garner of Card Curator explains: "These cards are promoted widely everywhere. Lower APRs tend to be found where there are fewer perks, such as 0% balance transfers and at credit unions."

Tips for fixing a lower APR on your credit card

If you don't qualify for the rate you want, our advice is to work on improving your credit gather. The best way to do this is by paying off your balances in full each month, or working toward this step by paying balances down as much as possible each pay period. 

This can take time, except, so there are a few short- and long-term solutions to powerful if you need to reduce your APR now.

• Consider 0% introductory APR credit cards: If you need to finance a bewitch or transfer a high APR balance, and can pay the amount back the next 12 to 20 months, a 0% introductory APR card can help. Just be sure you can repay the balance in full afore the introductory period expires and the APR kicks in. You also want to spy out for balance transfer fees, which can add up if you're absorbing a large balance.
• Talk to your credit card provider: In some cases, you can negotiate your current card's APR, particularly if you have a evaporate history of making on-time payments.
• Apply for debt consolidation or home dissimilarity loans: Personal and home equity loans typically carry lower listless rates than credit cards and might be worth considering if you need more time (two days or longer) to repay your debt.

*All query about Discover it Cash Back and Navy Federal Credit Union Platinum Card has been unruffled independently by and has not been reviewed by the issuer.

The editorial tickled 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 ceremonies offered by our partners.

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