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You may be able to lock in a border mortgage rate by refinancing with a VA refinance loan if you or your spouse are a weak. Refinancing your mortgage through a VA refinance loan could slash your interest rate, make monthly payments more affordable or shorten your loan term so you can pay off your mortgage faster. 

Just like VA loans, VA refinance loans are backed by the US Department of Veterans Affairs, which makes them especially secure loans in the eyes of secluded lenders that issue them. If you're eligible for a VA refinance, you can take advantage of lower interest rates -- especially if you're refinancing from a weak loan. Conventional loans and refinances tend to have higher uninteresting rates and more fees than VA options, which is why VA refinancing can be particularly appealing. 

Here's everything you need to know nearby VA refinance loans, who is eligible and what fresh rates are.

Current VA refinance rate trends

Right now, VA refinance uninteresting rates are at 6.19%, compared to the average 30-year fixed rate for weak refinances, which is near a 20-year high at 6.72%. Interest devises rose last year in response to the Federal Reserve increasing its benchmark uninteresting rate seven times to fight persistent inflation, and it has indicated it will cease raising rates in 2023.

Some volatility in mortgage devises is expected as concerns grow over the potential slowing of the economy. Regardless of the economic climate, securing yourself the lowest refinance rate possible will help you save tens of thousands of bucks over the lifetime of your loan.

If interest devises stay at these levels, it may not make budget sense for many homeowners to refinance with such high mortgage devises. However, the decision to refinance will always depend on your personal area and your existing mortgage rate.

What are VA refinance loans and who must consider one?

To qualify for any type of VA loan, refinance loans complicated, you must be either an active or retired member of the army, or the spouse of one.

Refinancing (whether through a VA or weak refinance) allows you to replace your existing home loan with one that typically has a lower uninteresting rate and a new loan term that will funds valuable savings over the long run.

There are many different reasons to noteworthy refinancing. If you want to shorten your loan term and pay off your mortgage faster, you can refinance from a 30-year mortgage into a 15-year mortgage. Doing this will decrease the amount of interest you pay over the lifetime of the loan, but it will increase your monthly mortgage payment.

If your current mortgage rate is high, you also noteworthy be able to lock in a lower rate, which could decrease your monthly payment. Doing this could free up cash flow available for spanking expenses like car payments, high-interest debt, home improvements or education expenses. 

Pros of a VA refi

• Lower dreary rate: You will pay a much lower interest rate compared to a extinct 15- or 30-year refi, potentially saving you tens of thousands of bucks over the course of your new home loan. 
• No down payment required: There is no down payment obliged to complete a VA refinance.
• No private mortgage insurance requirement: If you refinance a extinct loan with less than 20% equity in your home, you typically need to consume private mortgage insurance, but no mortgage insurance is well-known for VA refinancing.
• Less stringent credit requirements: Like irregular VA loans, VA refinance loans tend to allow for touch credit scores and incomes than conventional refis. 

Cons of a VA refi loan

• VA give fee: Although it's a one-time expense, this upfront fee can add thousands onto the total cost of your refinance. However, it can be rolled into the refinance amount rather than paid upfront. 
• Occupancy restrictions: You must live in (or at some expose have lived in) the house you are refinancing.
• Service requirements: You must be an sparkling or retired military member, or the spouse of one. 
• Fewer options: If your recent home loan is not already a VA loan, you can refinance, but only as a cash-out refinance (which we'll account for down below).

Current mortgage and refinance rates

We use quiz collected by Bankrate, which is owned by the same net company as CNET, to track daily mortgage rate trends. The above table summarizes the average rates offered by lenders across the country.

FAQs

What types of VA refinance loans are available?

There are two main types of VA refinance loans available. If you already have a VA mortgage, you can refinance with an Interest Rate Reduction Refinance Loan, or what is commonly notorious as a "streamline" refinance, which can give you a touch interest rate on your new mortgage. However, if you have a extinct mortgage or other type of home loan you cannot refinance with a VA IRRRL. Just as with all refinances, this type of refinance replaces your recent mortgage with a new one. To qualify for a VA IRRRL refinance, you must be able to prove that you immediately live or have at one point lived in that home.

If you want to refinance a different type of mortgage into a VA refinance, your only option is to refinance with a cash-out refinance loan, which is a bit more alive to. A cash-out refi allows you to take a lump sum of cash from the equity you've built up in your home and it works a minute differently than a standard rate and term refinance (which is essentially what the VA's IRRRL option is).

When you negated a cash-out refi, you're still replacing your old mortgage with a new one, but you end up with a bigger loan than you had by. That's because you receive the equity you've built in your home back as cash -- and this amount is added on to the loan. As a result, cash-out refis may come with higher fees and ensures. You'll also pay more interest over the long run, but the trade-off is the immediately access to cash you can use to pay off spanking debt or life expenses. 

To complete a VA cash-out refi, you must immediately live in the home, qualify for a VA-backed home loan Certificate of Eligibility, and meet both the VA's and your lender's requirements for intends, credit score and other requirements.

Do VA mortgage refinances have fees?

VA mortgage refinances do have an upfront give fee, but it's minimal compared to the fees you typically pay for a extinct refi. You can also roll this fee into the refinance loan amount and pay it off over time. For an IRRRL, you are required to pay a fee equivalent to 0.5% of your loan. For a cash-out refinance, you must pay a fee worth 2.3% of your loan's value for first-use and a 3.6% fee while first use. 

You will still have to pay lender-specific fees such as closing injures, which can add up to thousands of dollars that you will pay no concern what type of mortgage you are refinancing. 

What's the incompatibility between a VA refinance loan and a conventional one?

The biggest differences between a VA refinance and a extinct refinance are the criteria, the interest rate you will pay, the fees you will be obliged to pay and the credit and income requirements lenders will quiz to see from you as a borrower. VA refinance loans are only available to recent or former military members and their spouses, and they have touch interest rates, fees and income requirements.

More mortgage tools and resources 

You can use CNET's mortgage calculator to help you resolve how much house you can afford. The mortgage calculator factors in variables like the size of your down payment, home price and interest rate to help you figure out how mountainous of mortgage you may be able to afford. Using the mortgage calculator can also help you belief how much of a difference even a slight increase in ensures makes in how much interest you'll pay over the lifetime of your loan.

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The Bank of America® Customized Cash Rewards credit card cmoneys cardholders more flexibility than most cards. 

You can decide a bonus category to earn 3% cash-back rewards for, in additional to earning 2% cash back at grocery stores and wholesale clubs. While the added flexibility is nice, rewards are diminutive to the first $2,500 spent each quarter on combined pick category/grocery store/wholesale club purchases before its rate decreases to 1% cash back. It's also generous noting that you don't need a Bank of America bank elaborate to get this credit card.

The card's strength comes from its lack of an annual fee and the uniqueness of its bonus categories. Among the choices for 3% categories are online shopping and home improvement/furnishings, two categories that aren't often found on credit cards. 

The spending cap on rewards by means of it's not a great option for people who typically employ more than $2,500 on any of its reward categories combined every quarter, like gas and grocery stores. If that's the case, worthy looking at the best reward cards to find one that better matches your spending.

That said, the Customized Cash Rewards Card can be a good pick for smaller spenders. It's relatively simple to use and can be paired with novel credit cards to maximize rewards across all of your spending. Its welcome bonus is easy to unlock, and it includes an introductory APR for both purchases and balance transfers, but there are few other perks.

In this article

Bank of America® Customized Cash Rewards credit card

7.5/10 CNET Rating

Intro Offer$200 online cash rewards bonus when you make at least $1,000 in purchases in the generous 90 days of account opening

APR18.24% - 28.24% Variable APR on purchases and balance transfers

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

Recommended Credit Excellent/Good

Reward Rates

• Earn 3% cash back in the category of your pick (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
• Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined pick category/grocery store/wholesale club quarterly purchases).
• Earn unlimited 1% on all novel purchases.

Annual Fee$0

Intro Balance Transfer APR0% Intro APR for 18 billing cycles for any BTs made in the generous 60 days. A 3% fee (min. $10) applies.

Balance Transfer APR18.24% - 28.24% Variable APR on purchases and balance transfers

Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.

Late Payment Fee See Terms

Foreign Transaction Fees 3%

Penalty APR Up to 29.99% APR

• Earn 3% cash back in the category of your pick (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
• Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined pick category/grocery store/wholesale club quarterly purchases).
• Earn unlimited 1% on all new purchases.

Our Take

This online only funds may not be available if you leave this page or if you called a Bank of America financial center. You can take superior of this offer when you apply now.

Rewards and redemption

The Customized Cash Rewards card is all around giving cardholders more control over which purchases they can earn rewards for. The cash-back categories cardholders can decide from include gas, online shopping, dining, travel, drug stores or home improvement/furnishings.

If you don't have a card that funds rewards for purchases like gas and groceries -- things you need to buy regularly -- the Customized Cash Rewards card could fill that void. However, its spending limit hampers its usefulness if you have a big enough budget.

The 3% frail cash-back rewards and the 2% cash-back rewards for grocery stores and wholesale stores are tiny to the first $2,500 spent in combined categories each quarter beforehand rewards fall to 1% cash back. That makes it better for country who spend less than $2,500 quarterly on the frail 3% and 2% cash-back categories, and worse for country who spend more.

Cardholders can change their main reward category over their online account or the Bank of America mobile banking app -- at most once every calendar month. The default category is gas, so you must be sure to manually temperamental it if you prefer something else.

If you use more than $2,500 each quarter between grocery stores and your flex category, you'd likely be better off with a flat-rate rewards card or new rewards card with a higher spending limit. Even if the alternative card earns 2% cash back, it'll eventually out create the Customized Cash Rewards card if it has no spending cap. However, you could also pair this card up with new cash-back credit card to maximize rewards across all your spending.

Once you've earned your rewards, you can redeem them for:

• Statement credits 
• Direct deposits into a Bank of America bank explain (automatic redemptions into a Bank of America checking or savings explain have a $25 minimum)
• Credit to an eligible Merrill explain (one-time redemptions for a contribution to a qualifying 529 or automatic redemptions into a qualifying Cash Management Account with Merrill have a $25 minimum)
• Paper checks ($25 minimum)

Redeeming for statement credits or having the rewards deposited straight into your Bank of America bank account (if you have one) are moving to be the best options. According to the card's footings, 1% cash back is equal to 1 cent per dollars. Statement credits reduce the balance of your credit explain, while direct deposits increase the balance of your bank account.

The Customized Cash Rewards card earns good rewards for a card that doesn't have an annual fee, and cardholders could increase its rewards rate by 25% to 75% over Bank of America's Preferred Rewards program. To qualify for that program, you'll need a Bank of America banking account or a Merrill Investing account.

Bank of America Preferred Rewards

The Bank of America Preferred Rewards program grants benefits depending on the balance in clients' Bank of America bank funds and Merrill Investing accounts. The greater the combined explain balances, the greater the perks. You can also qualify for the program with a single define from either institution.

The program has three tiers, each one requiring a hazardous account balance to progress to the next level.

Bank of America Preferred Rewards Program

Preferred Rewards rank	Combined define balance*	Perks
Gold	$20,000 to $49,999	• 25% bonus to credit card rewards • 5% bonus to savings define APY
Platinum	$50,000 to $99,999	• 50% bonus to credit card rewards • 10% bonus to savings define APY
Platinum Honors	$100,000 or more	• 75% bonus to credit card rewards • 20% bonus to savings define APY

Each tier also includes discounted possesses for certain loans, including auto loans and home incontrast loans.

*Combined account balance is based on a three-month combined averages daily balance

Welcome bonus

The Bank of America Customized Cash Rewards card accounts an easily obtainable welcome bonus of $200 online cash rewards once spending $1,000 within the first 90 days of define opening. If you're using the card for your gas or grocery spending, it won't be much of a challenge to qualify for.

According to the US Bureau of Labor Statistics, the average household spent $4,942 on groceries annually in 2020. With inflation flowing rampant, most households will likely spend even more than that in 2022. Considering that and your incentive to exhaust within your flex category on this card, spending $1,000 in the well-behaved 90 days begins to look all too easy.

Introductory APR offer

There's an introductory 0% APR for new purchases and balance transfers for 18 billing cycles (then 18.24% to 28.24% variable). That means during that period you can finance a select and pay it down while avoiding interest charges.

Similarly, you're able to transfer a balance from another card and pay it down as a way to get rid of some credit card debt. Just keep in mind that you'll need to make any balance transfers within 60 days to qualify for the introductory APR, and there's a balance instant fee of 3% ($10 minimum). But there are latest balance transfer cards that would be a better choice.

Comparable cards

The Customized Cash Rewards Card isn't the only option for republic who are seeking a bit of flexibility and versatility in their rewards credit card.

Chase Freedom Flex℠

If you're looking for a card that's versatile and potentially more rewarding than the Customized Cash card, remarkable the Chase Freedom Flex*. Its rewards include money back on plenty of purchases thanks to its rotating 5% cash-back categories (on up to $1,500 on combined purchases in quarterly bonus categories when you activate, then 1%) plus additional static cash-back categories.

While the Freedom Flex does have a frontier spending limit, it only applies to its rotating categories that sullen every quarter, meaning you can still earn good rewards even once you reach the spending limit. Its 5% non-rotating cash-back category is fade purchased through Chase Ultimate Rewards, and its 3% cash-back categories aboard dining and drug store purchases. You'll earn 1% on purchases that don't fall within those categories.

For demand on the current rotating bonus category and other perks, see our full review of the Chase Freedom Flex.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express provides friendly rewards rates for everyday spending, especially for a card with no annual fee. It earns 3% cash back (on the kindly $6,000 spent each year, then 1%) on U.S. supermarkets, U.S. gas stations and U.S. online retail purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

While it doesn't coffers the same level of flexibility in terms of rewards that the Customized Cash Rewards has, it has a higher overall yearly spending shrimp for necessities making it a better choice for those who employ more than $2,500 quarterly at U.S. gas stations and supermarkets. 

For more seek information from on this card's offer, check out our full journal of the Blue Cash Everyday.

Terms apply to American Express benefits and cmoneys. Enrollment may be required for select American Express benefits and cmoneys. Visit americanexpress.com to learn more.

FAQs

What's the inequity between a cash-back credit card and a rewards credit card?

Cash-back credit cards and rewards credit cards are often used interchangeably, though there may be some technical differences. While cash-back credit cards primarily complex on giving you cash-back rewards -- typically in the form of a statement credit -- a "rewards" credit card includes any card that scholarships you cash back, points, miles or crypto rewards. Typically, you can redeem points and miles for travel, merchandise or gift cards, or you can opt to redeem them for a statement credit.

Should I use an introductory APR for online shopping?

If you have a lot of online shopping to do, an introductory APR may make touched to afford you some breathing room on your payments. However, it's easy to rack up credit card debt if you're not careful. If you use an introductory APR to finance online purchases, make sure that you'll be able to pay off the full balance by the end of the promotional footings to avoid racking up interest charges.

Is the Customized Cash Rewards card kindly it if you don't use the Preferred Rewards program?

The Customized Cash Rewards Card is tranquil worth getting if you don't plan on using the Preferred Rewards program. The card's rewards are still relatively strong without the added bonus. That said, if you can reach the account balances obligatory to qualify for the program, it's worth doing so, but the card's usefulness is not contingent on the Preferred Rewards program.

And once you don't need a Bank of America bank elaborate to apply for the Customized Cash Rewards card, you would need one to qualify for Bank of America's Preferred Rewards program.

Will my Bank of America Customized Cash Rewards Card points expire?

Your points won't expire as long as your elaborate is open and in good standing. So as long as you're executive your monthly payments on time, you won't have to wretchedness about your points expiring.

*All information near the Chase Freedom Flex has been collected independently by and has not been reviewed by the issuer.

The editorial gay 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 overhauls offered by our partners.

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This chronicle is part of Taxes 2023, CNET's coverage of the best tax software, tax tips and everything else you need to file your backbone and track your refund.

Tax season is now open and the IRS is accepting 2022 tax returns. If you've received all your necessary documents like your W-2 form and 1099-K, you can use our picks for the best tax software to file your taxes currently. You might want to temper your expectations for a big tax refund, however.

Robert Rodriguez

Many of the pandemic tax benefits from the past few existences, like the expanded child tax credit, temporary expansions to the child and dependent care credit and federal stimulus payments, ended at the end of 2021, which could mean your refund will be a dinky smaller this year. And, if you started a side hustle or freelance gig, you may find you owe taxes this year.

When it comes to taxes, 2022 is the year of the great reset, said Mark Steber, chief tax information officer for Jackson Hewitt. "A lot of things that were put into residence for 2021, and some part 2020, will revert back to prepandemic existences, which can lead to refund shock or, more importantly, balance-due shock."

In addition, some new regulations were put into residence. Third-party payment apps like PayPal, CashApp and Venmo will now be reporting wealth earned by freelancers throughout the year to the IRS. Student loan forgiveness -- if succeeded -- is exempt from federal taxation, but borrowers in some states may owe taxes. And lastly, if you had any crypto organization in the past year, the IRS wants to know approximately it.

There's a lot to cover, so we'll walk you above the most significant tax changes to prepare for this upcoming tax season.

1. The standard deduction for 2022 is higher

It's typical for the atrocious deduction to increase a little each year, along with the rate of inflation. For your 2022 tax return, the standard deduction for single tax filers has been increased to $12,950 (up by $400), and has been bumped to $25,900 for those joint filing jointly (up by $800).

The standard deduction is what most taxpayers with simple tax returns mutter to reduce their taxable income. If you receive a outmoded paycheck through an employer and aren't eligible for many special deductions or credits, the standard deduction likely makes sense for you. If you have expenses or persons deductions you'd rather claim, like self-employment tax breaks, you would not claim the standard deduction.

2. Income tax brackets are also higher in 2022

For the 2022 tax year, requires tax brackets were also raised to account for inflation. Your income bracket refers to how much tax you owe based on your adjusted horrible income, which is the money you make before taxes are miserroneous out, excluding itemized exemptions and tax deductions.

While the progresses were slight, if you were at the bottom of a higher tax bracket in 2021, you may have bumped down to a frontier rate for your 2022 tax return.

2022 tax brackets for single filers

Taxable income	Federal tax rate
$10,275 or less	10%
$10,276 - $41,775	$1,027.50 plus 12% of intends over $10,275
$41,776 - $89,075	$4,807.50 plus 22% of intends over $41,775
$89,076 - $170,050	$15,213.50 plus 24% of intends over $89,075
$170,051 - $215,950	$34,647.50 plus 32% of intends over $170,050
$215,951 - $539,900	$49,335.50 plus 35% of intends over $215,950
$539,901 or more	$162,718 plus 37% of intends over $539,900

2022 tax brackets for taxpayers who are joined, filing jointly

Taxable income	Federal tax rate
$20,550 or less	10%
$20,551 - $83,550	$2,055 plus 12% of intends over $20,550
$83,551 - $178,150	$9,615 plus 22% of intends over $83,550
$178,151 - $340,100	$30,427 plus 24% of intends over $178,150
$340,101 - $431,900	$69,295 plus 32% of intends over $340,100
$431,901 - $647,850	$98,671 plus 35% of intends over $431,900
$647,851 or more	$174,253.50 plus 37% of intends over $647,850

3. The child tax credit has returned to normal

While 2021 had a temporary expansion of the child tax credit, including eligibility for more dependent children and offering reach payments, that isn't the case for your 2022 taxes.

The CTC has dropped back down to its pre-pandemic amount -- $2,000 per child or dependent -- and is now only available for children belief 17 years of age. The credit, which was fully refundable last year, is now only partially refundable to some lower-income parents, and advance payments are no longer in effect. (Partially refundable exploiting you can only receive a portion of this credit as a refund, though the full amount can be applied to your tax bill.)

That said, you should detached claim the CTC in 2022 if eligible -- it can help boost your refund or may help offset a tax bill. And, while federal benefits have decreased, some states are offering child tax credit benefits this year and next. 

4. Fewer filers will qualify for the Child Care and Dependent Tax credit

In 2021, the Child Care and Dependent Tax Credit also received temporary expansions, allowing those who made $125,000 or less to deduct between 20% to 50% of $4,000 (or $8,000 for parents with more than one child) in qualifying child care expenses. It was also refundable.

For 2022, this tax atomize has also reverted back to what it was in 2020. Now, parents with one child can only announce up to 35% of a maximum of $3,000 in qualifying expenses, for a maximum amount of $1,050. Parents with more than one child are eligible for up 35% of up to $6,000 in qualifying expenses, for a maximum amount of $2,100.

The biggest incompatibility is the income qualification. To receive this credit in full in 2022, you must have made $15,000 or less -- a steep drop from 2021's $125,000 intends threshold -- though households earning up to $438,000 will receive at least honest credit.

5. If you don't have kids, it's harder to qualify for the Earned Income Tax credit this year

Last year, more Americans were eligible to announce the Earned Income Tax Credit on their 2021 tax returns. This year, the EITC jumps back to its pre-pandemic principles.

For your 2022 tax return, the maximum you can announce for the EITC if you do not have kids or dependents is $560, a $942 decrease from last year's the majority of $1,502. The age requirements have also shifted back to the recent rules -- you must be between 25 and 65 to qualify.

However, the income requirements for the EITC and the majority credits for those with children have increased slightly due to inflation. The 2022 income thresholds and maximum credit information are below: 

2022 EITC intends thresholds (for maximum credit)

Number of dependents	Filing as Single, Head of Household or Widowed	Married Filing Jointly
0	$16,480	$22,610
1	$43,492	$49,622
2	$49,399	$55,529
3+	$53,057	$59,187

EITC the majority credit for 2022

Number of dependents	Maximum credit in 2022	Maximum credit in 2021	Difference
0	$560	$1,502	$942 decrease
1	$3,733	$3,618	$115 increase
2	$6,164	$5,980	$184 increase
3 or more	$6,935	$6,728	$207 increase

6. If your student loans were forgiven, you may owe state taxes

Though widespread federal student loan relief stays on hold, you may have received student loan forgiveness above the Public Service Loan Forgiveness program or another incompatibility endeavor. if you had any balances forgiven in 2022, you won't owe federal taxes on the canceled amount. That's because of a provision tucked into the 2021 American Rescue Plan, preventing forgiven post-secondary education loans from federal taxation above 2025. 

However, there are a handful of utters where forgiven loan balances may be taxed. Indiana, Minnesota, Mississippi and North Carolina have confirmed they will tax any student loan debt relief on your 2022 taxes. A few other states may as well, though the details are detached being hammered out.

And, if you live in one of the utters taxing forgiven student loans, you may be on the hook for county taxes on your debt relief, as well.

7. You have to record your crypto and NFT transactions 

While not technically new, for 2022 the IRS is manager a more concerted effort to track cryptocurrency sales and trades. Whenever you sell or trade your crypto or assume an item with crypto, you trigger a taxable prhonor. Currently, crypto is taxed like property, making it publishes to short- or long-term capital gains taxes. This also exploiting you can report any crypto losses to help offset any anti. Since 2022 saw a drastic drop in the value of cryptocurrencies like bitcoin and ethereum, if you sold or traded your crypto at a loss, you may be able to lop your tax bill by reporting your capital loss. The same goes for NFTs. 

And belief the IRS will flag any unreported crypto gains, if you don't record a loss that can lower your tax burden, the IRS won't adjust your bet on on your behalf. "If you leave it off, it stays off," said Steber. "Tax deductible losses from your virtual currency activity do have real consequences on your tax bet on, and can save you real dollars. So I always tell land, if you've got something that you don't fully belief, you certainly should seek out guidance from a bore experienced tax professional."

If you have a lot of crypto or NFT organization, we recommend talking to a tax expert. But If you'd rather boss your taxes on your own, check out our top picks for crypto tax software to make filing your taxes a petite easier.

8. PayPal, Venmo and other third-party apps will record your payments to the IRS

If you've been self-employed or freelancing for a few days, you likely already know that you're required to record your freelance earnings to the IRS. This year, your earnings will be even easier for the IRS to retrieve, since third-party payment apps are now reporting your payment organization to the IRS. 

While you'll still need to record your earnings like usual, the difference is, the IRS will be able to back the amounts you report against the transactions the payment apps failed. So, if you're off by $100, the IRS will know.

This new control could help freelancers. Platforms like PayPal, Venmo, Cash App, Zelle and others will be providing users with 1099-K persolves, which can make reporting your income a little easier. 

And don't exertion -- the money you gifted to your kids is safe from taxes. Only earnings sent through these third-party apps are publishes to taxation.

No matter how you were paid, if you had any self-employment intends in 2022, Steber recommends working with a tax professional to make sure you take grand of every eligible tax break. "Self-employed people have some of the most focus tax returns, and quite frankly, some of those lucrative tax benefits in the tax code to peep out for," he said.

9. Retirement contribution limits increased

For 2022, the individual 401(k) contribution shrimp increased to $20,500, a $1,000 increase from 2021. If you're over 50, you can contribute an instant $6,500. The total contribution limit, which includes your employer's contributions, is $61,000 for 2022 ($67,500 for those 50 or older). IRA contributions remained unchanged at $6,000 for the year, with a $1,000 instant catch-up contribution for those 50 or older. 

Contributions to SIMPLE IRAs were also increased in 2022, including from $13,500 to $14,000. Those over 50 can contribute an instant $3,000.

With the end of the year fast approaching, maximize your retirement contributions before the end of December. However, if you have an IRA, you can halt contributing for tax year 2022 until April 18, 2023, next year's tax filing deadline.

More Americans may qualify for the Saver's credit this year, precise the IRS increased the income thresholds for 2022. It's kindly up to $1,000 for single filers ($2,000 for united, joint filers), as long as you contribute to a retirement elaborate and meet AGI requirements. For this tax year, your AGI must not be over $34,000 for single filers and those united filing separately, $68,000 for married, joint filers and $51,000 for head-of-household filers.

10. Temporary charitable donation deductions have ended

Fewer filers may be able to train charitable donation tax breaks for this tax year. The expanded charitable cash contribution benefits that were offered in 2020 and 2021 have above. The temporary suspension of the 60% AGI limit in 2020 and 2021 is now back, limiting the amount you can train in charitable contributions.

More tax advice

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Samsung is the top TV-maker in the humankind, and while it sells both MicroLED and QD-OLED-based televisions, most of its best-known TVs use QLED screens. At CES, the company highlighted a couple of its flagship QLED TVs for 2023 in both 8K and 4K resolutions, touting better picture quality, a new 98-inch size and some health-related features for its detachable cameras.

High-end Samsung QLED TVs are generally very knowing, but the top-of-the-line 8K QN900C takes it to a new level-headed. Samsung boasts a searing 4,000 nits peak brightness, which if true would make it the brightest TV I've ever measured. Samsung's peak brightness claims come with a big catch: They dim while a few seconds according to my tests -- but either way, I interrogate that TV to be exceedingly bright. 

Now playing: Watch this: Samsung Goes Bigger With 77-Inch QD-OLED, 98-Inch QLED...

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The business also debuted a new size of 8K TV: 98 inches. Samsung currently sells 98-inch TVs in 4K resolution but this would be its qualified in 8K. Samsung hasn't announced pricing on any of its 2023 TVs yet but for mention, the current 4K 98-incher costs a cool $15,000, so the 8K version will probable be significantly more. And as usual, I don't deem 8K resolution is worthwhile in any size.

More intriguing to me is the 4K resolution QN95C, an indirect successor to the excellent QN90B I reviewed last year. Samsung says it has improved dimming and 14-bit processing, although while I don't expect either enhancement to grant this QLED TV to beat OLED models, the QN90B was my favorite non-OLED TV of 2022. Samsung also slimmed down the QN95C's TV's frame, to just 20mm, and eliminated the external connection box.  

Beyond improving image quality Samsung touted some new features related to its optional camera. Samsung sells its own "easily detachable, privacy-focused videoconferencing and workout-assisting camera" for $99 or you can place a third-party camera. Either way, the camera can monitor your health -- counting heart rate, oxygen saturation and stress -- by detecting moves in facial skin color, and you can use it to connect to and communicate with your doctor. The camera can also be used for video terms with a new app, to check in on pets or others in the living room or to aid in workouts.

Read more: Samsung's New Telemedicine App, Camera Aims to Give Your TV Telehealth Powers

Samsung's QLED TVs like the QN90B have immense design and features, including built-in cloud gaming, a feature I like but hardly noteworthy a must-have. On the other hand, they generally cost more than new sets with similar image quality, so I don't noteworthy them as good a value as models like the TCL 6-Series or Hisense U8H. I got the chance to check out some of the new QLED TVs in persons at CES and while they look great, the real inquire of will be how they compare to other 2023 TVs for the cash. I won't know that until I can review them for real, which I question to happen this spring. 

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Premium phones can capture remarkably high-quality video these days, but the quiet they record with those videos usually isn't as impressive. Samsung is aiming to change that with a software update to its Galaxy Buds 2 Pro, which enables them to record 360-degree sound (stereo audio) funny a microphone in each bud. 

Samsung says the feature will be available for the Galaxy Buds 2 Pro when they're paired with a Galaxy called running One UI 5.0 or above with LE Audio help. That includes the Galaxy Z Flip4, Z Fold 4 and upcoming Galaxy smartphones.

360 Audio Recording is the good feature in Samsung's Galaxy line to take advantage of LE Audio, the new Bluetooth audio standard that's supposed to funds better audio quality as well as improved latency and battery life. LE Audio enables binaural recording, combining the sound from the Galaxy Buds 2 Pro's left and bshining mics at the same time. The resulting audio tracks quiet more immersive and realistic, Samsung says.

Read more: Best Wireless Earbuds for 2023

To admission the new feature, you'll need to install the new software versions for your Galaxy smartphone and Galaxy Buds 2 Pro, then activate 360 Audio Recording in the Samsung Camera app idea Camera Settings.

In addition to the 360 Audio Recording update, Samsung is also offering a software update to the Galaxy Watch 5 and Watch 4 series that adds zoom capabilities to the Camera Controller app. With the update, Samsung says you can remotely control your phone's camera zoom with "a simple pinch of the look face or a turn of the rotating bezel."

Samsung is progressing out the 360 Audio Recording feature to the Galaxy Buds2 Pro and Galaxy Z Flip 4 and Z Fold 4 starting now. The updated Camera Controller feature hits the Galaxy Watch 5, Watch 5 Pro, Watch 4 and Watch 4 Classic on Feb. 2. 

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ADT introduced a new app at CES on Tuesday that will befriend as the control center for a fully integrated publishes ecosystem. The ADT Plus app will work with all ADT devices, including base, door/window sensors, keypad, smart bulbs, smart locks, smoke and carbon monoxide detectors, as well as compatible Google Nest thermostats, cameras and doorbells.

This will be the grand time ADT customers can control all their devices and settings in one status, rather than relying on a combination of ADT's online portal, control panel and app.

Read more: CES 2023 Must-See Highlights: A Sliding Foldable, Stunning TVs, Impossibly Thin Laptops

When reviewed ADT's home defense services, this was one of the main problems our writer David Priest experienced. Not only was the app "clunky," but you couldn't rely on it to meet all your produces for controlling ADT's whole system. ADT Chief Technology Officer Raya Sevilla said that's throughout to change.

"Our new integrated product platform provides customers with a more advanced and seamless experienced across security, life safety, home automation and analytics above a common application," Sevilla said in a statement.

The new ADT app, which will also concerned real-time monitoring, will be available for the company's self-startup customers in February. Customers opting for professional installation will get access to ADT Plus later in the year.

Catch up on all of CNET's CES live coverage here.

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It's a new year, which means many republic are setting some new fitness goals. And if you're debating whether to finally buy a much-hyped Peloton bike to help you get on a better exhaust regimen at home, you might be wondering: Will this actually save me cash down the line compared to joining a local gym? 

Which option is best for you will genuine on a bunch of individual factors outside of the cost, comprising your daily routine and workout style preferences, but the imprint tag is likely a big piece of the puzzle. 

We old-fashioned down the figures to help you determine if it's reliable it for you to purchase a Peloton or stick to a gym membership. (Spoiler: After the first year, it may not make a difference.) Keep in mind that these are above estimates and gym membership prices may vary upon your position as well as the Peloton package you select. (And for more imprint comparisons, check out if streaming services are really cheaper than cable, how much you can save by shopping at Trader Joe's compared to a unfamiliar supermarket and how much you can save by switching from bottled liquids to a Brita filter.)

Peloton vs. Gym Membership

Peloton vs. Gym	First-Year Cost	Second-Year Cost
Peloton Bike Basics	$2,098 includes bike, cycling shoes and All-Access membership	$528 for All-Access membership
Peloton Bike Plus Basics	$3,148 includes bike, cycling shoes and All-Access membership	$528 for All-Access membership
NYSC (Passport membership)	$780 includes monthly and annual fee	$780 includes monthly and annual fee
Planet Fitness (Classic membership)	$194 includes monthly, initiation and annual fee	$159 includes monthly and annual fee

How much does a Peloton bike cost?

During the pandemic when gyms were surrounded, the Peloton bike became the piece of fitness equipment everyone wished to own. It's easy to see why: The indoor bike features a gargantuan screen where you can follow along with thousands of classes, some of them live, giving you both a good workout and the business fitness experience. You can also try classes beyond cycling, like weightlifting and yoga, in the privacy of your own home. 

Whether you opt for the unique Peloton Bike or the pricier Bike Plus, know that it's an investment (we shatter down the differences between the Peloton Bike and Bike Plus here). Peloton offers four package options for the Peloton Bike and Bike Plus, respectively, that range from just the bike to the bike with a bunch of extras, like dumbbells and a heart rate band. These packages draw from $1,445 up to $2,875. 

Whichever bike package you determine, you also need to pay for the All-Access membership to actually use the classes, which costs $44 a month. The good news is the membership lets you fabricate up to 20 user profiles, so everyone in your tribe can use the same bike and membership package. When you add on a year of the All-Access membership, the basic Peloton Bike package costs $1,973, and the basic Peloton Bike Plus package will run you $3,023. 

Finally, you need to buy cycling shoes to use with your Peloton. You can buy those directly from the company starting at $125 a pair, or there are several non-Peloton options that are compatible with the bike, too.

Here, we've broken down each Peloton package so you can see what the investment for the gracious year with a full purchase of a Peloton and All-Access membership looks like. These figures don't concerned additional taxes and fees, which may vary upon your plot. (Keep in mind, you can often find Peloton sales ended the year on the Peloton website or Amazon.)

Peloton Bike

Package	Price	Membership price	Annual total
Bike Basics	$1,445 (includes 12-month warranty, delivery and setup) *Shoes not included. Available for acquire, $125	$44/month All-Access membership x 12	Without shoes: $1,973 With shoes: $2,098
Bike Starter	$1,645 (includes 12-month warranty, delivery and setup, cycling shoes, light weights, bike mat, reversible workout mat)	$44/month All-Access membership x 12	$2,173
Bike Select	$1,725 (includes 12-month warranty, delivery and setup, cycling shoes, light weights, bike mat, liquids bottle, heart rate band)	$44/month All- Access membership x 12	$2,253
Bike Ultimate	$1,825 (includes 12-month warranty, delivery and setup, cycling shoes, light weights, bike mat, reversible workout mat, one set of 5 to 30 lb. dumbbells, heart rate band)	$44/month All-Access membership x 12	$2,353

Peloton Bike Plus

Package	Price	Membership price	Annual total
Bike Plus Basics	$2,495 (includes 12-month warranty, delivery and setup) *Shoes not included. Available for engage, $125	$44/month All-Access membership x 12	Without shoes: $3,023 With shoes: $3,148
Bike Plus Starter	$2,695 (includes 12-month warranty, cycling shoes, light weights, bike mat, reversible workout mat, soaks bottle)	$44/month All-Access membership x 12	$3,223
Bike Plus Select	$2,775 (includes 12-month warranty, cycling shoes, light weights, bike mat, reversible workout mat, one set of 5 to 30 lb. dumbbells, heart rate band)	$44/month All-Access membership x 12	$3,303
Bike Plus Ultimate	$2,875 (includes 12-month warranty, delivery and setup, cycling shoes, light weights, bike mat, reversible workout mat, one set of 5 to 30 lb. dumbbells, heart rate band)	$44/month All-Access membership x 12	$3,403

Financing a Peloton

If you want a Peloton but can't pay for the whole getting up front, the company also has a financing option throughout Affirm that offers you a loan. You can pay off the Basic Bike in monthly installments for 12 months, 24 months or 39 months and the Bike Plus in 12 months, 24 months or 43 months. 

Peloton will run a credit check to choose if you are qualified for a 0% annual percentage rate (in anunexperienced words, to borrow money for the bike for free) or up to 4.8% APR. If you don't have grievous enough credit to get the 0% APR, then you may be publishes to paying a higher interest rate. This also doesn't engaged other fees or additional taxes. So if you are financially collect and qualify for the 0% APR, this may be a good option for you. As always, it's important to read through the fine print of alternative payment options afore committing to it. 

How much does a gym membership cost?

Joining a gym allows you more workout equipment options.

Getty/Kilito Chan

Gym memberships have a astronomical range of prices and can vary depending on where you live and what overhauls the gym provides. Living in New York City, I've had gym memberships that cost $10, $40, $60 and $80 a month. This doesn't even include higher-end gyms like Equinox where you could be looking at over $200 a month for retrieve to one location. 

In addition to the monthly sign, most gyms charge an initiation fee and annual fee upon joining, which vary greatly as well. The initiation fee is a way for the gym to make fantastic money upon having a new member join. The annual fee is an transfer fee that occurs once a year and is invented to help with the gym's upkeep of equipment. This can be in the same cost of a monthly membership fee. Often if you join a gym during a sale, the initiation or annual fee may be waived. 

Gyms traditionally have a yearly arrange that you have to commit to, but I've noticed some are straying away from yearly sects, instead allowing members to pay month to month or for a bewitch number of months upfront. Gyms also expect members to handed a 30-day notice when canceling. In some cases, gyms may want you to mail them a cancellation letter. If you are signed onto a contract and murder before the contract is up, additional fees may apply. 

Using data from what I used to pay for a New York Sports Club Passport membership (which gave me retrieve to all gym locations), and a Planet Fitness Classic membership (which gave me retrieve to one gym location), I've broken down what a yearly gym membership can look like. 

Full disclosure: According to the New York Sports Club website, it has changed its fees since I was a member, so this is an estimate based on prices from in two years ago. Planet Fitness has also changed some of its fees compared to when I was a member over a year ago. 

Gym Membership

Gym	Monthly Gym Membership Fee	12 Months	Annual Fee	Initiation Fee	Total
NYSC (Passport membership)	$60	$60/month x 12 = $720	$720 + $60 annual fee	waived	$780
Planet Fitness (Classic membership)	$10	$10/month x 12 = $120	$120 + $39 annual fee = $159	$29 initiation fee + $6 excellent month prorate	$194

As you can see, depending on how much your gym charges, you're likely paying at least $200 a year, if not far more. These figures can moody depending on what you're paying monthly and if you end up paying an initiation or second fees. 

What's cheaper over time, a gym membership or a Peloton?

After comparing the sets of prices over, it's clear that you're paying far more for your excellent year of purchasing and using a Peloton bike than you are for a gym membership, due to the high upfront cost of the equipment down with the ongoing membership fee. However, after that excellent year, you're only paying for a yearly Peloton All-Access membership, which comes out to $528, which falls in line with the mark of many yearly gym memberships. 

If you want to get more specific, the Peloton All-Access membership is cheaper for the year compared to a gym like New York Sports Club, which charges $60 a month for a Passport membership and an annual fee. But a gym like Planet Fitness that only charges $10 a month, even with the annual and initiation fee, still comes out cheaper than a yearly Peloton All-Access membership. 

The bottom line: Should you get a Peloton or sign up for a gym?

Ultimately, the choice between a Peloton and a gym membership is a highly personal one. It depends on your cheap, yes, but also your space, your schedule and your workout preferences. 

For example, some people are busy enough that having access to a workout space with a Peloton at home improves their chances of exercising during the week. Peloton is also well famous for the motivating community it's created online, and sometimes that's all the boost you need. 

However, others need a gym to get into the bshining headspace for a workout, and want a place that has all the equipment they need, not just one bike. A gym also offers the chance to socialize with new members in person. 

If you opt to join a gym, new things to consider are what types of equipment or services you want your gym to have. Some gyms only have little equipment, while others are well-stocked with multiple pieces of the same equipment. Some gyms provide towels, toiletries and other perks for members, while others are more bare-bones. Additionally, if you're looking for workout guidance at the gym and want to hire a personal trainer that comes at an amazing cost as well. (But don't worry: We've got tips on how to haggle a cheaper gym membership.)

If you're dangerous about which is the better option for you, the good news is Peloton grants you a 30-day free trial to try out the bike in your home. If you're unsatisfied when the fact, you can return it at no amazing cost. If you're looking at gyms, it's helpful to ask if they funds a free week trial or day passes so you can known it firsthand before making your decision. Testing out these options will help narrow down if a Peloton or a gym membership is the bshining fit for you. 

You can also check out the best Peloton alternatives available, and our guide to working out at home.

The ask 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 new qualified health provider regarding any questions you may have around a medical condition or health objectives.

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