Yearly Archives: 2019

How to pair either version of the Apple Pencil with your iPad for precise drawing and writing

To pair an Apple Pencil with an iPad, you just need to connect the devices.

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To pair an Apple Pencil with an iPad, you just need to connect the devices.
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Hollis Johnson/Business Insider

With an Apple Pencil, your iPad becomes an artist’s canvas, an architect’s drafting paper, and a writer’s notebook. The Apple Pencil lets you “write” on an iPad with far more precision than you could ever muster from your finger, making drawing and writing much more enjoyable and precise.

But before you can use an Apple Pencil with your iPad, you’ll need to pair the digital writing implement to the tablet.

Fortunately, pairing an Apple Pencil with your iPad only takes a few seconds, whether you’re using the 1st or 2nd generation Apple Pencil.

If you’re wondering which Apple Pencil you can pair with the iPad you own, check out our article, “Not all iPads can use the Apple Pencil – here’s a breakdown of which iPads are compatible with which version of the Pencil.”

Check out the products mentioned in this article:

iPad (From $799.99 at Best Buy)

Apple Pencil (1st generation) (From $94.9.9 at Best Buy)

Apple Pencil (2nd generation) (From $124.99 at Best Buy)

How to pair a 1st Generation Apple Pencil to your iPad

1. Remove the cap on the top of the Apple Pencil (the “eraser” end) to expose the charging plug.

2. Insert the plug into the iPad’s Lightning charging port.

You'll need to plug your Apple Pencil into the iPad to pair it.

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You’ll need to plug your Apple Pencil into the iPad to pair it.
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Matt Weinberger/Business Insider

3. Tap the “Pair” button that appears on your iPad’s screen.

And that’s it, your Pencil is now paired until you turn the iPad off, switch on Airplane Mode, connect the Pencil to another iPad, or either device runs out of battery.

How to pair a 2nd Generation Apple Pencil to your iPad

1. Rest the Apple Pencil’s flat side on the right side of the iPad Pro. It should connect magnetically.

Connecting your Pencil magnetically to the iPad will pair it.

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Connecting your Pencil magnetically to the iPad will pair it.
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Reuters

2. Tap the word “Connect” when it appears on screen.

And that’s all there is to it.

Note that both Apple Pencils also charge by being connected to the iPad in the same way that you pair them.

Related coverage from How To Do Everything: Tech:

After a wild, circuitous path to the NBA draft, LaMelo Ball is suddenly drawing rave reviews and hype as the No. 1 pick

LaMelo Ball has been impressive in the NBL.

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LaMelo Ball has been impressive in the NBL.
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Steve Bell/Getty Images

  • LaMelo Ball is playing in Australia’s National Basketball League following stops in Lithuania and a prep academy in Ohio the last two years.
  • According to ESPN’s Jonathan Givony, Ball wowed NBA scouts during a preseason tournament and is under consideration for the No. 1 pick in the 2020 NBA draft.
  • Ball has impressive handles, touch, and vision, with one scout comparing him to Luka Doncic, the 2019 NBA Rookie of the Year.
  • Visit Business Insider’s homepage for more stories.

LaMelo Ball’s path to the NBA draft has been far from typical, but it appears to be working for him. According to ESPN’s Jonathan Givony, Ball is drawing rave reviews from NBA scouts in the Australian National Basketball League (NBL) and is a contender for the No. 1 pick in the 2020 NBA draft.

Ball, the younger brother of Lonzo Ball and son of LaVar Ball, was a high school basketball star at Chino Hills and committed to play at UCLA, following Lonzo and his other brother, LiAngelo. However, Ball was pulled out of Chino Hills and de-committed from UCLA while LaVar pulled LiAngelo out of UCLA following a suspension for shoplifting.

Ball followed LiAngelo overseas to play professionally in Lithuania. Neither Ball brother experienced much success with the club, and the Balls left after one season.

Ball then joined SPIRE Institute, an Ohio prep school that competed outside the jurisdiction of the Ohio High School Athletic Association. His new school didn’t offer concerns about his amateur eligibility.

Instead of going to college in the U.S. – there were concerns about his amateur status after playing professionally and having a signature shoe – LaMelo joined the Illawarra Hawks in the NBL. The move has become an emerging trend for NBA prospects who don’t attend college in the U.S.

According to Givony, the 18-year-old Ball may be the best player in the NBL and is already an MVP candidate. Givony reported that 27 NBA scouts attended a preseason NBL tournament to scout Ball and fellow top draft prospect R.J. Hampton. Ball lit it up in a game against the NBL defending champions Perth Wildcats, scoring 19 points with 13 rebounds and 7 assists.

“If he keeps this up, I don’t see any way he isn’t in the conversation for the No. 1 overall pick,” an NBA executive told Givony.

Concerns about his fame and his father have followed Ball in recent years, but according to Givony, coaches and teammates have raved about Ball and haven’t experienced any trouble with his fame or family.

Scouts gave Ball high praise, with one comparing him to last year’s Rookie of the Year, Luka Doncic. The same scout told Givony that Ball is perfect for today’s NBA.

“He plays with incredible pace. He’s never sped up. He’s never rattled by anything that’s thrown at him. You’re expecting something magical to happen every time he has the ball. He sees everything. He can make every pass with either hand off a live dribble. His style of play is tailor-made for the NBA game, especially if you surround him with shooting and better finishers.”

Ball has shown off his impressive handle, finishing ability, and vision in the NBL.

There is still plenty of time until the draft, and Ball’s season is just getting underway. However, his stock appears to be rising. Givony reported that teams would begin to adjust their schedules and priorities for scouting the NBL following Ball’s impressive performance.

After a wild, circuitous path to the NBA draft, LaMelo Ball is suddenly drawing rave reviews and hype as the No. 1 pick

LaMelo Ball has been impressive in the NBL.

caption
LaMelo Ball has been impressive in the NBL.
source
Steve Bell/Getty Images

  • LaMelo Ball is playing in Australia’s National Basketball League following stops in Lithuania and a prep academy in Ohio the last two years.
  • According to ESPN’s Jonathan Givony, Ball wowed NBA scouts during a preseason tournament and is under consideration for the No. 1 pick in the 2020 NBA draft.
  • Ball has impressive handles, touch, and vision, with one scout comparing him to Luka Doncic, the 2019 NBA Rookie of the Year.
  • Visit Business Insider’s homepage for more stories.

LaMelo Ball’s path to the NBA draft has been far from typical, but it appears to be working for him. According to ESPN’s Jonathan Givony, Ball is drawing rave reviews from NBA scouts in the Australian National Basketball League (NBL) and is a contender for the No. 1 pick in the 2020 NBA draft.

Ball, the younger brother of Lonzo Ball and son of LaVar Ball, was a high school basketball star at Chino Hills and committed to play at UCLA, following Lonzo and his other brother, LiAngelo. However, Ball was pulled out of Chino Hills and de-committed from UCLA while LaVar pulled LiAngelo out of UCLA following a suspension for shoplifting.

Ball followed LiAngelo overseas to play professionally in Lithuania. Neither Ball brother experienced much success with the club, and the Balls left after one season.

Ball then joined SPIRE Institute, an Ohio prep school that competed outside the jurisdiction of the Ohio High School Athletic Association. His new school didn’t offer concerns about his amateur eligibility.

Instead of going to college in the U.S. – there were concerns about his amateur status after playing professionally and having a signature shoe – LaMelo joined the Illawarra Hawks in the NBL. The move has become an emerging trend for NBA prospects who don’t attend college in the U.S.

According to Givony, the 18-year-old Ball may be the best player in the NBL and is already an MVP candidate. Givony reported that 27 NBA scouts attended a preseason NBL tournament to scout Ball and fellow top draft prospect R.J. Hampton. Ball lit it up in a game against the NBL defending champions Perth Wildcats, scoring 19 points with 13 rebounds and 7 assists.

“If he keeps this up, I don’t see any way he isn’t in the conversation for the No. 1 overall pick,” an NBA executive told Givony.

Concerns about his fame and his father have followed Ball in recent years, but according to Givony, coaches and teammates have raved about Ball and haven’t experienced any trouble with his fame or family.

Scouts gave Ball high praise, with one comparing him to last year’s Rookie of the Year, Luka Doncic. The same scout told Givony that Ball is perfect for today’s NBA.

“He plays with incredible pace. He’s never sped up. He’s never rattled by anything that’s thrown at him. You’re expecting something magical to happen every time he has the ball. He sees everything. He can make every pass with either hand off a live dribble. His style of play is tailor-made for the NBA game, especially if you surround him with shooting and better finishers.”

Ball has shown off his impressive handle, finishing ability, and vision in the NBL.

There is still plenty of time until the draft, and Ball’s season is just getting underway. However, his stock appears to be rising. Givony reported that teams would begin to adjust their schedules and priorities for scouting the NBL following Ball’s impressive performance.

Joaquin Phoenix walked out of an interview after a critic asked him whether ‘Joker’ would inspire mass shooters

Joaquin Phoenix as Arthur Fleck, aka the eponymous villain in

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Joaquin Phoenix as Arthur Fleck, aka the eponymous villain in “Joker.”
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Warner Bros.

Joaquin Phoenix is facing some difficult questions about the implications of his new film, “Joker,” where he plays the eponymous comic-book villain.

In an interview with The Telegraph’s film critic Robbie Collin published on Sunday, Phoenix was asked whether he was worried that the film might inspire the kind of person it’s about, which Collin described as “an unstable, self-pitying loner with a mass-shooter mindset.”

“‘Why?’ he eventually mutters, his lip curling up at one side,” Collin wrote of Phoenix.

“‘Why would you…? No… no.’ Then he stands up, shuffles towards me, clasps my hands between his, and walks out of the door.”

Read more: Joaquin Phoenix lost 52 pounds to play the Joker in his upcoming movie

Collin said Phoenix rejoined the interview after “an hour’s peace-brokering with a Warner Bros PR,” explaining that he panicked because he hadn’t been asked that question before. It remained unanswered.

Phoenix's portrayal of the Joker has had him tipped for an Oscar.

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Phoenix’s portrayal of the Joker has had him tipped for an Oscar.
source
Warner Bros.

But IGN’s Jim Vejvoda asked Phoenix and the director Todd Phillips about the criticism of the movie at the film’s press junket in Los Angeles last week.

“I really think there have been a lot of think pieces written by people who proudly state they haven’t even seen the movie and they don’t need to,” Phillips said. “I would just argue that you might want to watch the movie, you might want to watch it with an open mind.”

Phoenix said: “Well, I think that, for most of us, you’re able to tell the difference between right and wrong. And those that aren’t are capable of interpreting anything in the way that they may want to.”

The criticism they’re referring to is reflected in articles with headlines like “Joaquin Phoenix Loses His S— in a Bold but Incel-Friendly Origin Story” in IndieWire, “Joker Is a Dangerous Film – & It’s Bringing Out the Worst in the Internet” in Refinery29, and “Joaquin Phoenix Towers in a Deeply Troubling Origin Story” in Vanity Fair.

Phoenix is engaged to Rooney Mara.

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Phoenix is engaged to Rooney Mara.
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Jacopo Raule / GC Images

Family members of the victims of the 2012 mass shooting in Aurora, Colorado, wrote a letter to Warner Bros. expressing their fears and asking it to donate to gun-victim charities, The Hollywood Reporter said on Tuesday.

“We are calling on you to be a part of the growing chorus of corporate leaders who understand that they have a social responsibility to keep us all safe,” a copy of the letter obtained by the publication said.

Nevertheless, “Joker” has been lauded almost as vehemently as it has been scolded – Phoenix has already been tipped for a best-actor Oscar, and Business Insider’s Jason Guerrasio was among the critics who adored it.

Read more: ‘Joker’ is a chilling look at one of the greatest villains in comics that’s all the more twisted because of its realness

“The movie is very much a commentary on how society doesn’t do enough to nurture people who experience mental illness,” Guerrasio wrote.

He added: “The Clown Prince of Crime has always been a favorite character to play for actors, but here Phoenix takes it to its darkest place.”

“Joker” is released in theaters October 4.

A woman can’t stop crying jagged ‘crystal’ tears and doctors are baffled by her ‘anatomically impossible’ condition

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“All the doctors are in shock,” Kazaryan told Mir24.tv. “They have not encountered such a disease and do not know how to treat it.”
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Carl Court/Getty Images

Editor’s note: This story contains a graphic video of an eye condition.

  • For 22-year-old Satenik Kazaryan, crying leads excruciating physical pain because her tears are shaped like tiny jagged crystals, she told Mir24.tv.
  • The first doctor Kazaryan saw for her strange condition gave her eye drops and they helped at first, but soon her condition got worse, according to Mir24.tv. Doctors have been unable to diagnose or treat Kazaryan.
  • One opthamologist told Insider the woman’s condition is biochemically and anatomically impossible.
  • Visit Insider’s homepage for more.

When you’re in the midst of a sob session, chances are you’re only thinking about the emotional pain of the situation. But for 22-year-old Satenik Kazaryan, crying also reportedly leads to excruciating physical pain because she said her tears are shaped like tiny jagged crystals.

Kazaryan, who is from Armenia, cries nearly 50 crystallized tears every day, according to the Daily Mail.

She said the painful tears started when she was at the dentist. “It seemed dust got into my eyes,” Kazaryan said in a video from news outlet Mir24.tv. “It hurt me. I went to the ophthalmologist, and a few crystals were taken out from my eyes.”

Kazaryan’s family thought the tears were glass that got in her eyes when she was working on her family’s farm, but doctors told them the tears were coming from Kazaryan’s body.

Doctors are investigating the strange condition but haven’t been able to diagnose Kazaryan

The first doctor Kazaryan saw for her strange condition gave her eye drops and they helped at first, but soon her condition got worse and her eyes were producing more jagged tears than before, according to the Daily Mail.

She went to a few others doctors, and one turned her away because he didn’t believe her condition was real. “All the doctors are in shock,” Kazaryan said. “They have not encountered such a disease and do not know how to treat it.”

One doctor reportedly took pieces of the crystal tears out of Kazaryan’s eyes so they could be sent to a lab and studied, but she still remains undiagnosed. All her doctors know is that the tears are coming from the woman’s own body rather than an outside source, she told Mir24.tv.

One eye doctor told the Daily Mail that Kazaryan’s condition could potentially be the result of excess salt in her body.

Read more: An artist found an inch-long parasitic worm in his eye – and created a haunting image

According to the Daily Mail, health officials continue to study her rare condition.

Crystal tears aren’t biologically possible, according to an ophthalmologist

According to Dr. Ivan Schwab, a professor of ophthalmology at the University of California Davis School of Medicine, Kazaryan’s conditions is physically impossible.

First, Schwab said there aren’t enough nutrients in human tear film, the gel substance that creates tears as we know them, to make the tears crystallize. Second, even if Kazaryan’s tear film did somehow create crystal tears, human tear ducts aren’t large enough to pass those crystals through the eye to where they are cried out.

“I’m not claiming absolute knowledge of this, but I’ve never seen anything like this in my 30-plus years as ophthalmologist,” Schwab told Insider. “I don’t see how this could happen biochemically or anatomically.”

Russian ophthalmologist Dr. Tatyana Shilova told REN TV that if a person’s body composition changes, like an extreme increase in salt content, it could cause genetic or inflammatory diseases in the eye. But Schwab said that if the body contained this much salt, a person would likely first experience other health problems, like a heart or brain function issue, before experiencing eye problems.

I spent a few days using the Apple Card, and the design is easily its best feature

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Hollis Johnson/Business Insider

  • Apple partnered with Goldman Sachs to offer the Apple Card beginning this summer.
  • The card is only available for iPhone users, and while it lives natively on the iPhone, users also request a physical titanium card.
  • I tried using my Apple Card for a few days, paying with both Apple Pay and the titanium card, and the best parts of the card were the design and the ease of use.
  • Visit Business Insider’s homepage for more stories.

This August, Apple debuted its Apple Card in partnership with Goldman Sachs.

The Apple Card offers 3% cash back on Apple store purchases, Uber and Uber Eats, Walgreens, Duane Reed, and T-Mobile. It offers 2% cash back on all other purchases made with Apple Pay, and 1% if you pay with the physical card. With higher cash back rates on Apple Pay, Apple is encouraging you to pay digitally. You don’t even necessarily need the titanium card – but you can request it for free through Apple Wallet, the same place you apply for the card.

With this card, Apple emphasizes privacy and security. Every purchase with Apple Pay must be authorized with Face ID or Touch ID. The card doesn’t have a number or security code on it, either. To buy something online where you need a card number, you must access the number through Apple Wallet.

I wanted to see if these features were worth the hype, so I applied for an Apple Card.


I applied for my Apple Card in Apple Wallet, and was approved in about a minute.

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Apple

When you apply for an Apple Card within Apple Wallet, you’ll be prompted to put in your name, address, annual income, and last four digits of your social security number.

Within about a minute, you’ll get an offer with a credit limit and interest rate. If you hit “accept,” the card is added to your wallet, and you can start using it immediately.


I also requested the physical titanium card.

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Mary Meisenzahl/Business Insider

The card itself has no number or security code on it, which makes credit card theft more difficult.

I like the design a lot ⁠- I mostly ordered the card because I liked how it looked, so I don’t know if I’ll use it that much. It’s minimalist, with only a name, payment chip, and Apple logo on the front. The card is slim, but it feels noticeably sturdier than my other cards.

I probably won’t carry it every day, but I like it for the novelty.


You can track the card during delivery, and you’ll get a notification when it ships. My tracking wasn’t exactly accurate, and it prompted me to activate my card before I had it.

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Mary Meisenzahl/Business Insider

I hit the “help” button and the above message autofilled for me.

When the card arrived later, I was again prompted to activate the card, and it worked immediately.

The upside of this slight mishap was that I got to see how well Apple handles customer support for the card. I got a response almost immediately, and Apple says customers will have access to support 24/7.


To pay, you double click the side button, and authorize the purchase with Face ID or Touch ID.

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Justin Sullivan/Getty Images

So far, most places I’ve tried to use it have accepted Apple Pay. Note that some stores may not even know if it works until you try it, like one coffee shop I went to.


You can access all of your information and spending history within Apple Wallet.

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Mary Meisenzahl/Business Insider

I’ve only been using it for a few days so I don’t have that much history to look at, but I do like the color breakdown of purchases by category. Although the feature is slick, it isn’t exactly groundbreaking. My Bank of America app does the same thing, but that information is front and center in the Wallet app, while I have to scroll to find it for my other cards.

After a few days, I think this design intuitively makes more sense in order to help absorb the information when I look at it quickly as opposed to other credit card and banking apps I’ve used.


I especially appreciate the way that your spending habits affect the colors of the card.

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Mary Meisenzahl/Business insider

My card is mostly yellow and orange because I spent on what Apple categorizes as “Shopping” and “Food & Drinks.” The small amount of blue comes from “Transportation” – an Uber ride.

When you pay off your bill, your card turns white again, which I anticipate will be really satisfying.


As another security measure, you can immediately look at all your purchases with names and locations to make sure they look right.

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Mary Meisenzahl/Business Insider

My Apple Card gave me an overview of my weekend, showing me a map of everywhere I’d spent money. I do appreciate how charges show up instantly, so I can keep track of spending without waiting for purchases to show up a day or so later. You can set it up to get a notification immediately after each purchase.

Read more: ‘How does the Apple Card work?’: A guide to using Apple’s new credit card and its features


The card also has a tool that helps you see how much interest you’ll end up paying.

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Apple

The slider lets you compare how much you’d pay now and how much total interest you’ll end up owing.


I didn’t get to play around with this feature much, since I just got my card and my bill wasn’t due for a while.

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Mary Meisenzahl/Business Insider

I do like that the bills are consistently due at the end of the month, and you can see which expenses you’re paying off at every price point.


Daily Cash is a cool feature, but it isn’t exactly daily.

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Mary Meisenzahl/Business Insider

One of the Apple Card features Apple has touted most is “Daily Cash,” meaning that you get unlimited cash back every day on purchases using the card.

The cash back is daily in the sense that you don’t have to wait until a minimum amount or the end of your billing cycle to collect rewards, which is useful. However, that doesn’t necessarily mean you get that cash the same day you make a purchase. You’ll get cash back the same day a payment processes, which could take several days. It’s a minor difference, and so far I’ve had payments process by the next day.

I like that everything lives in the Wallet app, so you can apply your cash rewards to your credit card payment easily without ever leaving Wallet. I don’t really have any other reason to use Apple Cash, so realistically I think that’s where all my cash back will go.


The Apple Card has no fees.

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Apple

Along with security, Apple promoted the the fact that the card has no fees. At least on this point, the card is exactly what it sounds like. There are no late fees, no annual fees, and no fees for accidentally going over your credit limit. I’m especially happy about the lack of international transaction fees.


Privacy is a major selling point of this card.

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Apple

According to Apple, a unique security code is generated each time you make a purchase.

Apple emphasizes that it can’t see what you buy, or where you spend money. It also says that Goldman Sachs will not sell this data to third parties, although it will have access to your data.


Overall thoughts

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Apple

So far I’m happy with the Apple Card, mostly for the ease of not having to fish the right card out of my bag. I’ve had good luck finding places that accept Apple Pay, and only used the physical card once, but I’m in a major city so this might not be the case in more rural areas.

The biggest perks of this card are definitely reserved for people who spend a lot directly with Apple. If you’re planning on buying a new iPhone, use this card. Plus, 2% cash back on all other Apple Pay purchases is a pretty good deal, and I do like seeing the rewards accumulate each day. But if you’re looking to maximize a specific kind of reward, like travel points, or you live in a place where not many stores accept Apple Pay, this might not be a good card for you.

I’ll probably continue using this card for its convenience. I like the way purchases are presented in the Wallet app, and it does everything I need a credit card to do, even if it’s not reinventing anything.

7 signs you’ll be ready to buy a house in 5 years

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Hero Images/Getty Images

Maybe you’re not quite ready to buy a house yet, but that doesn’t mean you won’t be in just a few years.

This is especially true if you’re making money moves now that could prepare you for homeownership. Like any other goal, the move toward the dream of owning a home takes time and plenty of steps you take now could pay off later on.

Will you be ready to stop renting and start building wealth five years from now? Here are seven signs you’re on the right track.


You’re already saving up for a down payment

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Shutterstock

Even if you don’t have the desired 20% down payment required for many homeowners, you will need some sort of down payment to purchase your first property. Even government-backed mortgage programs require money down, including FHA loans that require a 3.5% down payment on behalf of the borrower.

If you start saving now, you could easily have the cash you need in five years. After all, saving $200 per month for 60 months would yield you $12,000, and $300 per month saved would add up to $18,000.

Figure out how much you need to save to purchase a home and start saving now. Within five years, you could have all the money you need and then some.

Read more: A financial planner explains why you shouldn’t invest the money you’re saving to buy a house in the next few years


You are keeping debt at a minimum

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Maskot/Getty Images

Mortgage companies will look at several factors when approving you for a home loan and this includes how much debt you have. Many lenders even set a maximum debt-to-income ratio for their customers, meaning you may not qualify for a mortgage if you have a debt-to-income ratio over, say 43% or 45%.

To get into the home you want, it’s smart to start limiting the debt in your life now. Not only will this help you qualify for a mortgage, but limiting debt helps you save money on interest payments.

If you do have a lot of debt, you’ll want to start tackling it now if you hope to become a homeowner in five years. Start by paying off high-interest debt like credit card debt, then move onto car loans, student loans, and any other debts you have.


Your credit score is on the upswing

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South_agency/Getty Images

While you can get a mortgage from the FHA with a credit score as low as 500 provided you have a 10% down payment, you’ll have more mortgage options and will qualify for better rates and loan terms if you have good or excellent credit – or really any FICO score of 670 or above.

Read more: What is a good credit score to buy a house?

If you’re able to start improving your credit now, you could be in great shape five years from now. According to myFICO.com, the most important factors that make up your credit score include your payment history (35%) and the amounts you owe in relation to your credit limits (30%).

As a result, you should strive to pay all your bills early or on time and pay down debt to decrease your credit utilization. Those two steps should go a long way toward boosting your score in a hurry.


You are on a path toward higher earnings

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Getty Images/Georgijevic

While paying down debt can lower your credit utilization and improve your debt-to-income ratio, the inverse of that involves increasing your income.

Hopefully, you’ll be earning a lot more than you are now in five short years. If that’s the case, your entire financial picture will look better and you’re much more likely to qualify for the home loan you want.

But that doesn’t mean you should let debt get out of control. If you keep debt at a minimum and grow your earnings over the next five years, your shot at homeownership is even better.

Read more: How to make money from home, without going to an office every day


You’re saving for retirement and other goals

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teal sun / Shutterstock.com

If you’re not saving for retirement yet, you should get started now … as in, right away. The power of compound interest only works in your favor if you start investing now. The longer you wait, the more you’ll have to save every year just to reach the same goals.

What does this have to do with homeownership? A lot, actually. Investing small amounts now will help you grow a nest egg you can build upon once you become a homeowner. If you wait and put it off, that means you’ll have to save more later – a move that could leave you with less extra money to use for a mortgage payment.


You have an emergency fund

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Hryshchyshen Serhii / Getty Images

Homeownership requires you to pay a lot more than property taxes and a monthly mortgage payment. You also have to pay for homeowners insurance, upkeep, and repairs.

If you don’t want to mow your grass or do your own landscaping, you’ll have to pay for help with that, too. And, what about replacing flooring or buying the granite countertops you’ve always wanted?

The bottom line: You’ll need lots of extra money once you own a home.

But an emergency can compromise your ability to afford your home more quickly than you realize. If you lose your job or have a medical emergency, you’ll need a stockpile of extra cash to manage the unexpected costs and still have enough cash for your housing expenses. Experts recommend three to six months’ worth of living expenses, depending on your situation, stored in a liquid account like a high-yield savings account.

You’d be smart to start saving now.


You know how to stay on top of bills

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Flickr / Erich Ferdinand

Finally, don’t forget that a monthly mortgage payment is a huge commitment that you shouldn’t take lightly. If you stop paying your mortgage payments, you’ll eventually lose your home to foreclosure.

Renters have a leg up when it comes to easing into homeownership because they’re used to paying a large monthly amount toward housing, but someone who lives with their parents may be at a disadvantage.

If you want to prepare yourself for the realities of homeownership, it can help to start saving the equivalent of a mortgage payment starting now. Put this money into a high-yield savings account and leave it alone. By the time five years is up, you’ll be used to making a mortgage payment each month and have plenty of cash to buy a home you’ll love.

7 signs you’ll be ready to buy a house in 5 years

source
Hero Images/Getty Images

Maybe you’re not quite ready to buy a house yet, but that doesn’t mean you won’t be in just a few years.

This is especially true if you’re making money moves now that could prepare you for homeownership. Like any other goal, the move toward the dream of owning a home takes time and plenty of steps you take now could pay off later on.

Will you be ready to stop renting and start building wealth five years from now? Here are seven signs you’re on the right track.


You’re already saving up for a down payment

source
Shutterstock

Even if you don’t have the desired 20% down payment required for many homeowners, you will need some sort of down payment to purchase your first property. Even government-backed mortgage programs require money down, including FHA loans that require a 3.5% down payment on behalf of the borrower.

If you start saving now, you could easily have the cash you need in five years. After all, saving $200 per month for 60 months would yield you $12,000, and $300 per month saved would add up to $18,000.

Figure out how much you need to save to purchase a home and start saving now. Within five years, you could have all the money you need and then some.

Read more: A financial planner explains why you shouldn’t invest the money you’re saving to buy a house in the next few years


You are keeping debt at a minimum

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Maskot/Getty Images

Mortgage companies will look at several factors when approving you for a home loan and this includes how much debt you have. Many lenders even set a maximum debt-to-income ratio for their customers, meaning you may not qualify for a mortgage if you have a debt-to-income ratio over, say 43% or 45%.

To get into the home you want, it’s smart to start limiting the debt in your life now. Not only will this help you qualify for a mortgage, but limiting debt helps you save money on interest payments.

If you do have a lot of debt, you’ll want to start tackling it now if you hope to become a homeowner in five years. Start by paying off high-interest debt like credit card debt, then move onto car loans, student loans, and any other debts you have.


Your credit score is on the upswing

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South_agency/Getty Images

While you can get a mortgage from the FHA with a credit score as low as 500 provided you have a 10% down payment, you’ll have more mortgage options and will qualify for better rates and loan terms if you have good or excellent credit – or really any FICO score of 670 or above.

Read more: What is a good credit score to buy a house?

If you’re able to start improving your credit now, you could be in great shape five years from now. According to myFICO.com, the most important factors that make up your credit score include your payment history (35%) and the amounts you owe in relation to your credit limits (30%).

As a result, you should strive to pay all your bills early or on time and pay down debt to decrease your credit utilization. Those two steps should go a long way toward boosting your score in a hurry.


You are on a path toward higher earnings

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Getty Images/Georgijevic

While paying down debt can lower your credit utilization and improve your debt-to-income ratio, the inverse of that involves increasing your income.

Hopefully, you’ll be earning a lot more than you are now in five short years. If that’s the case, your entire financial picture will look better and you’re much more likely to qualify for the home loan you want.

But that doesn’t mean you should let debt get out of control. If you keep debt at a minimum and grow your earnings over the next five years, your shot at homeownership is even better.

Read more: How to make money from home, without going to an office every day


You’re saving for retirement and other goals

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teal sun / Shutterstock.com

If you’re not saving for retirement yet, you should get started now … as in, right away. The power of compound interest only works in your favor if you start investing now. The longer you wait, the more you’ll have to save every year just to reach the same goals.

What does this have to do with homeownership? A lot, actually. Investing small amounts now will help you grow a nest egg you can build upon once you become a homeowner. If you wait and put it off, that means you’ll have to save more later – a move that could leave you with less extra money to use for a mortgage payment.


You have an emergency fund

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Hryshchyshen Serhii / Getty Images

Homeownership requires you to pay a lot more than property taxes and a monthly mortgage payment. You also have to pay for homeowners insurance, upkeep, and repairs.

If you don’t want to mow your grass or do your own landscaping, you’ll have to pay for help with that, too. And, what about replacing flooring or buying the granite countertops you’ve always wanted?

The bottom line: You’ll need lots of extra money once you own a home.

But an emergency can compromise your ability to afford your home more quickly than you realize. If you lose your job or have a medical emergency, you’ll need a stockpile of extra cash to manage the unexpected costs and still have enough cash for your housing expenses. Experts recommend three to six months’ worth of living expenses, depending on your situation, stored in a liquid account like a high-yield savings account.

You’d be smart to start saving now.


You know how to stay on top of bills

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Flickr / Erich Ferdinand

Finally, don’t forget that a monthly mortgage payment is a huge commitment that you shouldn’t take lightly. If you stop paying your mortgage payments, you’ll eventually lose your home to foreclosure.

Renters have a leg up when it comes to easing into homeownership because they’re used to paying a large monthly amount toward housing, but someone who lives with their parents may be at a disadvantage.

If you want to prepare yourself for the realities of homeownership, it can help to start saving the equivalent of a mortgage payment starting now. Put this money into a high-yield savings account and leave it alone. By the time five years is up, you’ll be used to making a mortgage payment each month and have plenty of cash to buy a home you’ll love.

13 of our favorite fall layers to transition you from warm to cold — from jackets to tees and everything in between

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Alyssa Powell/Business Insider

Fall is finally here. While it may still feel like summer in some places, most of us can expect a temperature drop in the near future. But it’s hard to get dressed when the temperature changes multiple times in a day. Do you go sans jacket and suffer? Or is it better to wear a sweater and risk getting a little sweaty? Truthfully, there’s no right answer. But there’s one easy way to prepare for fall dressing: stock up on lots of layers. Think: lightweight pieces like jackets, undershirts, vests, and more that can be worn alone or together, for whatever weather fall throws your way.

I rely on layers to turn my summer wardrobe into a fall one. Whether it’s a lightweight compression jacket for running or a stylish, thin jacket that I layer over my favorite tees to brave the morning cold, I appreciate a great layer, and I had a feeling my colleagues do, too. I asked my teammates, a crew of product experts, to share their favorite lightweight layers with me. From rain jackets to tees and everything in between, they had some great picks that can hopefully inspire your fall shopping.

Keep reading for 13 lightweight fall layers you’ll want to add to your wardrobe this season:


A rain jacket that you can wear as a regular one, too

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J.Crew

Perfect Rain Jacket, available at J.Crew, $120

I just bought this rain jacket on recommendation by not one but both of my roommates. I really like that it looks like a regular jacket and has the fishtail hem in the back for extra water protection. I’m a big fan of the bungee waistline and the deep front pockets to hold and protect my valuables. Francesca Rea, Insider Picks content producer


A comfortable jacket that can stand up to wind and water

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Columbia

Women’s Kruser Ridge II Softshell, available at Columbia, $69.99

This jacket designed for outdoor activities is perfect for everyday wear, too, especially in the fall because it’s water- and wind-resistant. It’s one of those magical jackets that still feels cool in low-70s temps, but steps up to the plate and somehow feels warm even when the temperature drops another 20 degrees. The interior is soft and slightly roomy so you can wear a couple thin layers underneath. Since it’s not super bulky, I’ve also been able to wear thicker coats over it. Connie Chen, Insider Picks reporter


A thick jacket made out of recycled scuba fabric

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ADAY

Up In the Air Jacket, available at ADAY, $138

I wore ADAY’s Up in the Air jacket for the first time during my recent trip to Berlin, Germany. It was just the right layer for the 50- to 60-degree weather I encountered during my trip. When things got breezy in the evenings or if there was a morning chill, I pulled this jacket on and maintained the perfect temperature. It was great on the plane too. The zippered pockets are also surprisingly deep enough to hold my phone – even when it’s in a chunky Mophie battery case. I’ll likely be wearing this jacket for most of the fall months. Malarie Gokey, Insider Picks senior editor


A cozy and affordable cashmere sweater

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Everlane

The Cashmere Crew, available at Everlane, $100

Everlane’s cashmere crew is not too thick or too thin – it’s just right. I usually wear a white button-down underneath for extra warmth and the pop of a collar at the sweater’s neck. I love the many color options, though I only have two crews: the black and the red. The fact that it’s sustainably made cashmere makes it even better, as does the affordable price. Malarie Gokey, Insider Picks senior editor


A pair of tights that’ll keep your legs warm under skirts and dresses

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Heist

The Eighty, available at Heist, $42

If I’m wearing a dress in the fall, I’m wearing these tights under it. I love Heist’s dig-free waistband because it makes these tights comfortable to wear all day whether I’m rushing to the subway or sitting at my desk. The Eighty are nicely opaque and keep my legs warm. Malarie Gokey, Insider Picks senior editor


A lightweight coat that you can wear into winter

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Moosejaw

Icebreaker Hyperia Lite Men’s Jacket, available at Moosejaw, from $181.99

Icebreaker’s Merinoloft line is lightweight and almost paper-thin, but warm as can be. Apart from keeping me plenty warm in the elements (I’ve been wearing just two layers and a vest through wind and snow), the mostly natural formula that the brand uses for this fabric (84% to 88% wool, 9% nylon, 3% to 7% elastane) somehow makes it so that the stuff doesn’t end up wreaking to high heaven. Even after days of climbing, hiking, and fishing in weather ranging from 20 to 75 degrees, I’m on my way out the door yet again in the same layers.

Further, a lot of this sort of activewear is geared toward the corresponding style: colorful, flashy, and in no way accommodating of the ever-clandestine fashion of the city dweller, which is to say muted shades, and noncolors (i.e., black and white). Icebreaker has the flashy stuff on offer, sure, but grays, blues, and blacks span their line, meaning I can pull this stuff off in the office too. Owen Burke, Insider Picks senior reporter


A loungewear cardigan that you can actually wear outside of the house

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Nordstrom

Barefoot Dreams CozyChic Lite Circle Cardigan, available at Nordstrom, $116

Once fall is in full swing, I’ll buy a cardigan from Barefoot Dreams because I’m obsessed with the buttery knit fabric the company makes. Last fall, I purchased this soft, lightweight CozyChic Lite Circle Cardigan. I usually wear these inside, but they’re pretty versatile and can be worn outside without looking like you left the house in your pajamas (even though you’ll feel like you did). Ciannah Gin, Insider Picks editorial fellow


A cult-favorite, cozy fleece

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Nordstrom

Patagonia Los Gatos Fleece Jacket, available at Nordstrom, $129

I actually wear this jacket year-round, but it makes the most sense to wear once fall starts. I’ve had some variation of Patagonia’s Los Gatos Fleece Jacket for the past seven years or so, and it’s become a staple in my closet. This jacket is extremely soft and warm, not to mention super fluffy, while still being fairly lightweight, making it great to wear alone or as a good base layer underneath bigger coats. Ciannah Gin, Insider Picks editorial fellow


A coat that’s equally breathable and chic

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MPG

Granville Fleece Cocoon Coat, available at MPG Sport, $42

If it’s not freezing cold or scorching hot out, you’ll most likely find me wearing this cozy, relaxed coat. The fabric has a unique spongy feel to it, and it’s warm and breathable. It almost feels like activewear, but the shawl-like collar design and longer length make it look suitable for the office and beyond. Connie Chen, Insider Picks reporter


A thin turtleneck that makes a cozy base layer

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Everlane

Cotton Turtleneck Tee, available at Everlane, $28

I’m super sensitive to wool, so I have to layer turtlenecks underneath a lot of my sweaters in the winter. This is the perfect thin base layer for everything from cardigans to blazers to thick, fuzzy sweaters. The fit is slim so it won’t bunch up, and it doesn’t shrink in the dryer. I have the white color and find that it’s a little sheer, but I rarely wear it on its own so that doesn’t really bother me. -Sally Kaplan, Insider Picks editor


A stylish layer that looks good over anything

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Velvet

Lily Aldridge for Velvet Ruby Jacket, available at Shopbop, $150

This jacket is super light, but still provides substantial warmth on chilly days. It’s spacious enough to layer a thick sweater underneath too. The style is simple but fun, and the muted green is neutral enough to go with any outfit. You can even adjust the waist to create a cinched look, which definitely makes the jacket a little more chic. My favorite thing about this jacket though is the pockets – they’re deep, and there are many. Remi Rosmarin, Insider Picks reporter


A bodysuit that feels like a second skin

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Cuyana

Seamless Long Sleeve Bodysuit, available at Cuyana, $85

I got to try this bodysuit last winter, and I’ve been wearing it plenty ever since. It’s supersoft, fitted without being too tight, lightweight and seamless, so it’s really comfortable everywhere. I love this tucked into jeans or a skirt on its own, or layered underneath a sweater for extra warmth. It’s truly the perfect plain black long sleeve, making it a staple for every season. Remi Rosmarin, Insider Picks reporter


A basic tee in a funky pattern

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Everlane

The Cotton Box-Cut Tee, available at Everlane, $20

I love layering T-shirts under sweaters, dresses, and whatever else feels right. Everlane’s shirts are comfortable and drape in all the right places for a flattering fit. The fabric is substantial, without feeling heavy. I have a striped version, and while it may seem busy, I love the look of it peeping out under a sweater – plus it adds some extra warmth. For $20, these are the kind of tees you’re going to want to stock up on. Remi Rosmarin, Insider Picks reporter

The iPhones and Android phones of Tibetan activists were targeted by hackers pretending to work for Amnesty International

The hackers reportedly posed as activists from organizations like Amnesty International, and sent Tibetan leaders text messages containing links to malicious code throughout 2018 and 2019.

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The hackers reportedly posed as activists from organizations like Amnesty International, and sent Tibetan leaders text messages containing links to malicious code throughout 2018 and 2019.
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REUTERS/Damir Sagolj

  • Hackers targeted Tibetan leaders in an attempt to monitor their devices with spyware throughout the past two years, according to a new report.
  • The spyware targeted iOS and Android devices and was designed to infiltrate the phones of users who clicked on a malicious link once.
  • Researchers say the hacking attempts appear to be carried out by the same group that previously targeted Uyghur Muslims in China. Previous reports have linked that hacker group to the Chinese government.
  • Visit Business Insider’s homepage for more stories.

Several Tibetan leaders, including people working for the Dalai Lama and Tibetan government, were targeted by hackers who sent them malicious links on WhatsApp, a new report has found.

The hackers reportedly posed as activists from organizations like Amnesty International and sent Tibetan leaders text messages containing links to malicious code throughout 2018 and 2019. If clicked once, the links had the capacity to install spyware on iPhones and Android devices, the digital rights group Citizen Lab reported on Tuesday.

The hacking attempts were carried out by the same group that previously targeted Uyghur Muslims in China, according to the Citizen Lab’s report. Those hacks were publicized by Google researchers last month, and TechCrunch reported that the attack was carried out by a group linked to the Chinese government.

At the time, Google researchers said the one-click hacks targeted iOS devices and that any iPhone user could be vulnerable. Apple downplayed that characterization, stating that they were already in the process of fixing exploits when Google uncovered the attacks and that only a narrow set of users were targeted.

Since then, both companies have rolled out updates to iOS and Android that patched vulnerabilities to the attacks.

None of the Tibetans who clicked on malicious links were compromised because they had already downloaded the software updates protecting their devices, according to The Citizen Lab’s report.

The hackers messaged targets pretending to be affiliated with nonprofit organizations like Amnesty International. Hackers claimed to be drafting human rights reports about China, and asked targets to follow links to view supposed photo and video evidence.

In another instance, a hacker pretended to be a New York Times reporter by the name of “Lucy Leung” asked their target to click on a link, claiming it led to a news article.

Researchers observed 17 intrusion attempts against Tibetan targets, and 12 of those included one-click exploit links. In total, more than 140 people clicked on the link that led to iOS spyware, according to the report.

An Apple spokesperson highlighted the fact that users who had already downloaded the patched version of iOS were protected from hack attempts.

“Our customers’ data security is one of Apple’s highest priorities and we greatly value our collaboration with security researchers like Citizen Lab. The iOS issue detailed in the report had already been discovered and patched by the security team at Apple. We always encourage customers to download the latest version of iOS for the best and most current security enhancements,” the Apple spokesperson said in a statement to Business Insider.

A Google spokesperson could not be immediately reached for comment.