How to Find an ‘Easy Pricing’ Health Insurance Plan (and Why You Definitely Should)

It can often feel like health insurance was designed to be difficult to understand (though hopefully this explainer can help). Fortunately, new labeling on government healthcare exchanges will make things a bit easier: This year, you can use a filter to find “easy pricing” plans on most health care exchanges, including healthcare.gov.

This filter will help you find insurance plans that offer copays for services before you hit your deductible. This is ideal if you're younger or generally healthy and unlikely to hit your deductible each year—particularly if you would have trouble affording the full cost of a specialist visit or a prescription. 

How an "easy pricing" plan works

The health insurance market is littered with confusing options. There are different kinds of insurance plans, including PPOs (broader networks of providers with higher deductibles), HMOs (smaller networks with lower deductibles), and EPOs (a hybrid of PPO and HMO). On top of that are HSA and FSAs, two kinds of pre-tax saving accounts designed to be used for health products.

Regardless of which kind of plan you choose, each has three big numbers to keep an eye on:

  • Your premium: This is how much you’ll pay each month to remain insured.

  • Your deductible: This is how much you need to spend during a calendar year before your health insurance will start paying part of the bill.

  • Maximum out-of-pocket: This is how much you’ll need to spend during the year before your health insurance finally starts paying for everything .

The deductible part is important, because for many plans, before you hit your deductible, the health insurance you’re paying for each month won’t cover anything but a few legally-mandated basics (including one preventative care visit per year, although sometimes that can come with hidden charges too).

But there's good news: if you choose a plan that offers copays for services, you can get away with paying a minuscule portion of the whole bill, even before you hit your deductible.

It used to be hard to dig through all the health plan information to find these particular insurance plans on the exchanges, but now it’s easier: All of the plans that have been marked "easy pricing" will offer co-pays for many of your healthcare expenses before you hit your deductible, and you can filter for them while choosing a plan. There's more to the "easy pricing" definition—for example, deductibles will be the same across all plans of that category, to make it easier to compare plans—so it's worth reading up on the finer points.

Why you want a plan with copays (because you definitely do)

Most of us grumble about how paying for health insurance doesn't actually help us afford healthcare, because we’re still paying out of pocket whenever we use it. That’s because insurance is mostly useful for catastrophes, not everyday care. If you have health insurance and experience a sudden, serious medical issue, you probably won’t need to declare bankruptcy over it, since that out of pocket maximum will prevent you from having to spend tens or hundreds of thousands of dollars in health care bills (which isn't to say that out of pocket maximum—which might be as much as $8,700 or more—won't be really hard to pay off).

Not being ruined because of a major surgery or long hospital stay is great, but it doesn’t mean much if you have trouble paying when you need to get a test for strep throat, or you sprain your ankle, or see your therapist, or pick up a new supply of a prescription medication. Even with all of these expenses, you might not hit your deductible, which means with most insurance plans, you’d be paying out of pocket for all of those services. 

But if you have an easy pricing plan with a copay, you go from paying the full cost out of pocket to only paying whatever the copay is for that service. Copays are usually due at the time of the visit, and are paid directly to the service provider. A specialist visit could be $150 instead of the full price (more likely to be closer to $500). A common copay for medications is $25, and there’s usually a specific copay for mental health visits (I pay $50 a visit for mine).

In each of those scenarios, you can see how dramatically a copay could lower your yearly healthcare bills and make getting treatment far more affordable and predictable. Considering that many people don’t get treatment for fear of the cost, simply knowing that they would only be responsible for the stated copay would relieve a lot of anxiety. 

How to find an easy pricing plan

Easy Pricing label on a healthcare plan
Credit: Healthcare.gov

Every insurer that has a plan on the healthcare exchange must offer an easy pricing plan, and they must also do so at the bronze, silver, and gold levels (on the exchange, these classifications refer to general pricing tiers), and on every kind of plan they offer (PPO, HMO, EPO, etc).

To actually keep things easy, all these copays are standardized by the government, so they’re the same across all the plans. (You can see the rates set for 2025 here.) As you are searching through plans on the healthcare.gov exchange, just look for the label that says "easy pricing" next to the plans you're considering. You'll thank yourself for the effort every time you need to make an appointment.



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This Epson Smart Gaming Projector Is $400 Off Right Now

The Epson 2350 4K PRO-UHD Smart Gaming Projector is currently $899.99, down from $1,299.99, which is the lowest it’s ever been on Amazon, according to price-tracking tools. It features a three-LCD chip design, which eliminates rainbow artifacts—a big plus if you’re sensitive or prone to noticing them. Plus, it uses Epson’s 4K Pro-UHD technology to deliver sharper visuals by doubling the pixel count of standard 1080p images. Audio-wise, its built-in speaker does a decent job for casual viewing, but if you want richer sound, you have the option to connect external speakers via Bluetooth or its HDMI ARC port.

Setup is simple, and with its 1.6x zoom and vertical lens shift, you can place it almost anywhere—whether it’s ceiling-mounted or tucked on a shelf in the back of the room. This flexibility means you’ll rarely need to rely on digital keystone adjustments, keeping image quality intact. Speaking of, the projector supports HDR10 and HLG HDR, which gives you brighter, more vibrant visuals, particularly in well-lit rooms. In dark rooms, the black levels can come across as a little elevated, which might reduce some contrast, but the shadow detail remains clear.

Epson claims less than 20ms of input lag, but testing showed around 27.1ms at 1080p/60Hz, according to this PCMag review—not a dealbreaker for casual players but it might not cut it for those who need ultra-fast response times. It’s also worth mentioning that there’s no 3D support, which could be a downside if you’re into immersive movie or gaming experiences.

If the Epson 2350 4K PRO-UHD Smart Gaming Projector doesn’t tick all your boxes, the BenQ TH685P is worth checking out as an alternative.



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Five Clever Ways to Use Rechargeable Bulbs

Improving the lighting in your home can make things more comfortable, and can even make dark areas safer, but adding lights without wiring can be expensive. Although there are some areas where adding a wired fixture is the best option, there are lots of places where you can use a wireless, rechargeable bulb or lamp instead of opting for an expensive wiring project. Here are some great uses for wireless light bulbs, and some of the best to choose from.

Emergency preparedness

One of the best uses for rechargeable lighting is in case of a power outage. Having an emergency light source built into your home can allow you to keep the lights on even when the power is out; rechargeable bulbs can also be used independently from a fixture as a flashlight or lantern. The best battery backup bulbs can be charged by putting them in a light socket for a conventional lamp or lighting fixture to charge. While the power is on, these bulbs will charge via the power source that the socket is using, but in case of an outage, the battery backup can be used to turn them on for up to 5 hours of light at about the same intensity as a conventional 60-watt bulb.

Safety lighting

You don't necessarily have to wire a new fixture to add light to a dark staircase or an area where people are likely to trip in the dark. Add some rechargeable lighting using a battery-operated light with a switch that can be installed without the need for a wired fixture, or you can use a rechargeable tap light to illuminate danger areas. These options cost between $20 and $35, so they’re a major savings compared to adding wiring and fixtures.

Make any lamp cordless

A rechargeable light bulb can turn any lamp into a cordless one. Rather than rewiring an old or thrifted lamp, or running cords for a bedside table light, you can use a rechargeable bulb. Most rechargeable bulbs are pretty similar, but you should look for a dimmable one with at least a four-hour battery life to avoid charging for longer than the life of the bulb between uses. These bulbs don’t need to be attached to a socket to function, and they recharge using a USB-C cable, allowing you to remove them from the fixture and use them as a light source wherever you like.

Create your own light out of anything

Because rechargeable bulbs don’t need a socket to work, you can hang them anywhere, or turn almost any object into a lamp or light sculpture. Some rechargeable bulbs are also color-changing, and come with detachable, magnetic globes, making them great for creating mood lighting that doesn’t need to be plugged in. You can place the charged bulbs in a vase, in an arrangement of spheres in a centerpiece, or in a jar or other container.

Light awkward places

In some cases, running power to a dark area is more trouble than it’s worth. Garages, basements, and closets can all be spots where you might wish you had a little extra light, but don’t have the wiring to add any, and a rechargeable bulb or fixture can be an inexpensive solution. When choosing the location of your rechargeable light, keep in mind that it will periodically need to come down to be recharged—so hanging them in an accessible place is a good move. 



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The Best and Worst Times to Drive for Thanksgiving, According to AAA

Traffic increases are expected over holiday weekends as travelers hit the road to visit family or go on vacation—depending on where you live and where you're headed, there are some times you may want to avoid driving to miss the worst congestion.

The American Automobile Association (AAA) just published its annual Thanksgiving forecast, which predicts that a record 71.7 million people will travel by car over the holiday. That's 1.3 million more than last year and higher than pre-pandemic records, possibly boosted by the lowest national average gas price since 2021.

Air travel is also expected to be busy this Thanksgiving, with a 2% increase in travelers over last year and an 11% bump over 2019.

The best and worst times to drive over Thanksgiving 2024

For 2024, AAA has expanded its traffic forecast to include the Monday and Tuesday before Thanksgiving Day and the Monday after. Tuesday and Wednesday afternoons are predicted to be the worst times to travel by car—but unlike in previous years, drivers can expect minimal impact on Thursday, making the holiday itself the best time to be on the road.

Monday, November 25

  • Best time: before 11 a.m.

  • Worst time: 1 p.m. to 5 p.m.

Tuesday, November 26

  • Best time: before 10 a.m.

  • Worst time: 1 p.m. to 7 p.m.

Wednesday, November 27

  • Best time: before 10 a.m.

  • Worst time: 1 p.m. to 5 p.m.

Thursday, November 28

AAA predicts minimal traffic impact on Thanksgiving Day.

Friday, November 29

  • Best time: after 1 p.m.

  • Worst time: 7 a.m. to 10 a.m.

Saturday, November 30

  • Best time: before 1 p.m.

  • Worst time: 4 p.m. to 8 p.m.

Sunday, December 1

  • Best time: before 1 p.m.

  • Worst time: 12 p.m. to 6 p.m.

Monday, December 2

  • Best time: before 8 a.m./after 7 p.m.

  • Worst time: 9 a.m. to 6 p.m.

Peak congestion in specific metro areas is expected to vary widely. For example, those traveling on the Long Island Expressway E from New York to the Hamptons on Tuesday afternoon could experience a 133% increase compared to typical traffic, while the worst traffic in the San Diego area—a 38% bump—is predicted to occur on I-15 S from Palm Springs on Saturday afternoon. Drivers in Boston, New York, Los Angeles, Seattle, and Washington, D.C. could see traffic more than double during peak times.

Finally, if you're renting a car, be prepared for long check-in lines on Wednesday and busy return desks on Monday and Tuesday after the holiday.



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Why Bitcoin, Bank Stocks, and More Are Surging After Trump's Win

The stock market rallied to all-time highs on Wednesday following Donald Trump's victory in the presidential election. The Dow Jones Industrial Average, S&P 500, and Nasdaq Composite indexes each reached new record levels.

Here's what you need to know about why the market responded in this way, and what it means for your investment strategy.

Why the markets surged post election

Analysts attribute the market surge to two key factors:

  1. Reduced uncertainty. As I've covered previously, the prospect of a new government and potential policy shifts can create a whirlwind of speculation, leading to market volatility that can unsettle even seasoned investors. An election outcome—regardless of the winner—eliminated the uncertainty that had weighed on the markets prior to the vote. In fact, the U.S. stock market has historically tended to rise regardless of which party wins the White House.

  2. Prospects of a business-friendly government. Investors are anticipating pro-business policies from a second Trump administration and a Republican-controlled Senate.

The Dow closed up over 800 points, or 2.9%, while the S&P 500 and Nasdaq gained 2.2% and 3.9% respectively. As we've already seen, Trump has a penchant for rolling back or undoing regulations, which benefits sectors that might have experienced greater scrutiny under a Harris administration. Banking, energy, and technology stocks were among the biggest winners in the days following the election.

What this means for you

While this news might make it tempting to buy shares of Tesla or Bitcoin, you might want to take a beat, first. As a rule of thumb, financial advisors caution investors against making sudden, drastic changes to their portfolios based on this one-time event.

The so-called "Trump trade" could easily turn into a bumpy road—investors should be wary that parts of Trump’s economic platform, such as tax cuts and tariffs, could stoke inflation. Plus, all the details of the timing and implementation of the Republican policy agenda are hardly clear at this time.

It's never a good idea to dramatically alter your investment strategy in response to a specific election outcome. Instead, this could be a good time to rebalance and make sure you're not overly exposed to any one sector or company. So while the rally may be tempting, always evaluate your overall asset allocation first before jumping in.

Allowing current events to constantly sway your financial decisions can lead to emotional stress and decision-making influenced by fear or overconfidence. After all, you're not as objective as you think—here some tips so that you don't lose money over it. In the end, experts recommend staying disciplined and sticking to your long-term investment plan, regardless of who occupies the White House.

And if you experienced some gains and anticipate a big expense in the short term, converting some of your earnings into cash or certificates of deposit could be a good move.



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Use Your AirPods to Have a Conversation With ChatGPT

Last month, select Apple users got their first taste of Apple Intelligence, with features including transcribing voice memos, cleaning up photos, rewriting emails, and a revamped, more natural Siri. However, when iOS 18.2 launches, how you interact with your digital assistant and, consequently, your AirPods, could change drastically, thanks to a new ChatGPT integration with Siri. And if you install the iOS 18.2 beta on your iPhone, you'll have this integration right away.

Chatting with ChatGPT through Siri

According to 9to5Mac, the experience is rather straightforward: When you summon Siri after installing iOS 18.2, you can follow up by saying "Ask ChatGPT." Instead of asking Siri your question, you're now asking ChatGPT. The AI chatbot will then handle the task from there.

After the initial question, Siri will listen for any follow-ups, and can continue the conversation without repeating commands or engaging in additional dialogue, similar to a normal conversation with a friend. These subsequent requests all go through ChatGPT as well, so there's no need to say "Ask ChatGPT" every time—only at the beginning of the current Siri session.

When iOS 18.2 is officially released (the rumor is early December), ChatGPT will be disabled by default. You will have to enable it by toggling it on in the Apple Intelligence menu in Settings. You don't need to have a ChatGPT account to access these features, but if you have a ChatGPT Plus account, you can connect it to Apple Intelligence in Settings to access the chatbot's more advanced features. That includes expanded GPT-4o features, the ability to upload additional files and send more messages, as well as access to Advanced Voice Mode.

To connect your ChatGPT Plus account, head to Settings > Apple Intelligence & Siri > ChatGPT. There, you can enter your account information or upgrade to ChatGPT Plus, currently priced at $19.99 a month.

How ChatGPT integration is a game changer for AirPods

ChatGPT integration works no matter how you chat with Siri, but it could be particularly useful when going hands-free with AirPods. Once updated, you will be able to ask questions and get more detailed answers through Siri wherever you use your earbuds. That includes all the usual use cases for AI: For example, you can ask ChatGPT a question while out on a jog, or request a summary of important documents while walking to an important meeting. It all comes with AI's limitations, of course, so you should always review anything you ask ChatGPT before treating it as fact. But if you're already a ChatGPT fan, having direct access to the bot from your AirPods is pretty sweet.

To that point, if you pay for ChatGPT Plus, you can talk to ChatGPT in natural conversation through Advance Voice Mode. In this mode, ChatGPT can recognize the emotion and tone of your voice, and will stop speaking when you start saying something, mimicking a more natural, realistic conversation. It's probably the closest we've come to 2013's Her yet.

If you're eager to try Siri's new features now, you can download the beta version of iOS 18.2. Learn more about downloading it here, keeping in mind that there are inherent risks when using unfinished software. 



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Reduce Alerts Among Your Pixel Devices With Notification Syncing

I remember actually being excited when I got a smartphone that could check email. I imagined a future life of supercharged productivity, in which I triaged all my incoming messages while brushing my teeth or sitting on the bus. When I actually got to my desk, I thought, I could do some proper work that wasn't just sifting through emails.

These days of course, my feelings are a little different. We're all constantly bombarded with notifications every day—from multiple email apps, and all the rest—and today I appreciate time away from the frequent pings and buzzes.

Google has introduced a small but helpful tweak in Android 15 for Pixels that helps to reduce notification overload: It means that when you dismiss an alert on one Pixel phone or tablet, you're not going to then see it again on another one.

Setting up the feature

Pixel notifications
You'll find the new feature in notification settings. Credit: Lifehacker

Assuming all of your Pixel devices are updated to the latest Android 15 version, you may well see a notification on one or more of them asking if you want to enable the feature. If you've dismissed the notification or it doesn't show up at all, you can head to Settings and choose Notifications > Dismiss notifications across Pixel devices to find it.

This is a quick tweak and there's not much in the way of setup required. Turn on the Dismiss on this device, confirm that you give the feature permission to manage your notifications, and you're done. If you're using multiple Google accounts on the same phone or tablet, you can pick the account you want to sync notifications for.

You need to then repeat this process for all of the devices you'd like to keep in sync. If there's a phone or tablet you want to make sure you always get notifications on, no matter what you're doing on your other devices, leave this option switched off. If you'd rather go back to the standard approach, just turn off the toggle switch again.

One important caveat to bear in mind: All your devices need to be connected to wifi for the notifications to be universally dismissed. If you're out and about with your phone on a cellular network, the syncing isn't going to kick in until you connect to wifi at home or somewhere else.

Managing notification syncing

Pixel notifications
You can always retrieve your notification history on any device. Credit: Lifehacker

I gave this a try using two Pixel phones (being a tech journalist with a lot of phones on hand), but it's going to be most useful when you've got a Pixel phone and a Pixel tablet—you won't then be dismissing notifications on one gadget and then having to go all the way through them again on another.

With all your phones and tablets signed up for the sync program, your notifications work as if you were just handling one device: An email alert might pop up on both phone and tablet, for example, but if you swipe it away or press on it to read the message then the notification vanishes on your other devices.

If you think you're worried you must have missed something along the way, Pixel devices have a handy notification history feature you can use as a safety net. Open Notifications from Settings, then choose Notification history. From here you can enable the feature (if it isn't already) and see recently dismissed notifications.

It's certainly cut down on the number of distracting alerts I've heard in the background while I've been trying to get work done, and it's something I'm always going to keep switched on with multiple Pixels around. Hopefully, it'll be something that comes to Android more widely in the future, so all phones and tablets are included.



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Four Things to Try When Your Dishwasher Smells Funky

When running properly, your dishwasher is supposed to throughly clean its contents and be stink-free, so if it smells funky during or after a cycle, it probably needs your attention. Here are four things to try to fix dishwasher odors.

Clean the interior

This sounds obvious, but the first step to battling dishwasher smells is to give all the interior surfaces a solid clean. Grime can build up over time and also lead to less-than-sparkling dishes. There are a few methods for cleaning your dishwasher, including lemonade Kool-Aid or a combination of white vinegar and baking soda. Be sure to wipe down the rubber seals and gaskets with warm, soapy water along with the rotating sprayer arm and trays. Check the door lips and bottom of the appliance for food particles while you're at it.

Your dishwasher should be cleaned regularly (around once a month) to prevent buildup and smells.

Clear the filter

Your dishwasher filter catches food particles and debris during a cleaning cycle and must be cleaned regularly, lest these pieces begin to rot and stink up your appliance. Trapped food can recirculate during washes, ending up back on your dishes and reducing your dishwasher's efficiency. (A dirty filter can also lead to dishwasher drain clogs, which we'll get into below.)

A filthy filter is a probable culprit of dishwasher smells, so locate yours and give it a solid clean with warm water and mild soap.

Check for drain clogs

Another cause of dishwasher smells is stagnant dirty water, which can happen if your drain or drain hose are clogged. It may be especially stinky at the beginning of the cycle.

The drain hose connects your dishwasher to your garbage disposal or sink drain to remove food particles and water from your appliance. Debris can build up over time (especially if the tube isn't installed properly), which leads to bacteria growth in the tube and results in foul odors when your dishwasher fills or drains. Clogs can also happen in the drain itself, underneath the screen or strainer in the bottom of your dishwasher.

We've got a guide to unclogging your dishwasher drain, which requires a hose clearing tool and some warm water. Note the clogs are important to address for another reason: they can lead to flooding and water damage in your kitchen.

Replace the drain hose

If you've cleaned your dishwasher and its parts thoroughly and it still smells, you may need to replace the drain hose entirely. Locate the hose under your sink where it exits your dishwasher—if the tube is transparent, you'll be able to see the grimy buildup.

Fortunately, the drain hose is pretty cheap and easy to replace with a few common tools. You'll need to shut off the power and water to your dishwasher before disconnecting anything. This Old House has an excellent step-by-step guide and video detailing the process.

When you install the new hose, be sure to create a high loop to prevent any back flow of dirty water to the dishwasher. Depending on where you live, building codes may actually require an air gap, in which case you should call a plumber.



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How to Get the Most Out of Google’s New Pixel Weather App

Alongside the Pixel 9 phones, Google pushed out a number of exclusive apps for the flagships—and while the AI-powered Pixel Studio and Screenshots apps may have attracted most of the attention, the brand new Weather app is also packed with features and worth digging into.

The Weather app is also now making its way to older Pixel phones: It's rolling out to phones as far back as the Pixel 6, though the AI overviews feature isn't included (older handsets don't have the on-board Gemini Nano model that the Pixel 9s do). If you've got a Pixel 9 or found the app on your older Pixel, here's everything you can do in it.

Weather data

Pixel Weather
Weather forecasts and widgets. Credit: Lifehacker

Before you can use the Weather app, you'll need to set the locations you want to keep tabs on. These can include your current location, your home location, and any other places you'd like to get the forecast for. Tap the big + (plus) button to add somewhere new, then search for the spot and confirm your choice.

Tap on any location to see the meteorological data that's available. There's a lot of it: You've got precipitation, wind speed, UV index, sunset and sunrise times, air quality, humidity, air pressure, and visibility. Tap on any data widget to see more details and an explanation of how the value is measured, or tap and hold on any widget to drag it to a different spot on screen.

There are also hourly and 10-day forecasts on the main screen, with readings for temperature and icons to summarize the conditions—you can scroll along the hourly forecast, and tap on any day on the daily forecast to get a full set of readings for that particular day (including precipitation, wind speed, and all the rest). Current weather warnings (for heat or rain, for example) will also show up at the top.

AI weather maps

Pixel Weather
There's a radar weather map included. Credit: Lifehacker

Where Pixel Weather starts to go beyond the norm is with its AI summaries, at the top of the forecast (if you've got a Pixel 9 phone with Gemini Nano on board). It gives you a brief summary of what to expect, based on the underlying data—you can tap on the arrow to see more details (as always, be wary of hallucinations).

In among all the other weather data is a weather map: Tap on this to see a radar-based precipitation weather map, showing the current levels of rain across the region you've selected. Tap the play button, and you'll see an animation showing how precipitation coverage is expected to shift over the next few hours.

You don't have to stick to the same spot to watch the rain sweep across the map—you're able to zoom in and out, and pan across, just like you would in any mapping app. You can check the precipitation levels for an entire continent at once if you like, though the originally selected location will always remain marked with a red pin.

Setting up weather alerts

Pixel Weather
Setting up precipitation alerts. Credit: Lifehacker

On the screen showing your list of locations, tap your Google profile picture (top right) to configure the app. You can set your preferred weather units, choose between a dark or light theme, and disable the AI weather report if you don't like it. For more options, tap on Pixel Weather settings.

There are two settings here that help make Pixel Weather even more useful: First, you can set up daily weather forecast alerts that arrive every evening in a nicely designed notification widget, together with weather icons. It means you get a heads-up on what the weather is going to do the next day.

Then there are alerts for precipitation; you can customize these for your current location or any of your other saved locations. Turn these alerts on and you'll get notifications whenever rain or snow is imminent in the selected places—which might just be enough to save you from a soaking or from getting stuck on the road.



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Remove Late Payments From Your Credit Report With a Goodwill Letter

Late payments can damage your credit, especially if you stop paying your loans or credit cards for an extended period of time. And while we usually tell you that there are no shortcuts when it comes to repairing your credit, there are a few legitimate actions you can take to improve your score more quickly. Let’s take a look at one of them: writing a goodwill letter.

What is a goodwill letter?

A goodwill letter is a simple way to restore your credit to good standing by requesting that a lender or servicer erase a late payment on your credit report. They can be effectively used for both federal and private loans as well as credit cards and accounts with just about any financial institution.

You typically have the best chance of success with a goodwill letters if you’ve experienced financial hardship due to unexpected circumstances. The letter allows you to take responsibility for your actions and to ask (in a very nice way) if your servicer can empathize with the situation that caused the lateness and erase it from your report.

A goodwill letter can also be helpful when you think a late payment has been recorded in error: for example, if you were in deferment or forbearance and weren’t required to make any payments during the time the late payment was recorded, or if you know you’ve never been late on a payment before.

What makes a convincing goodwill letter?

If you’ve been looking for ways to make sure your goodwill letter will actually work, here are some tips on what you should include:

An appreciative tone

It’s important that the entire tone of your letter read as thankful and conscientious. If you were actually late on your payments, even due to extenuating circumstances, you shouldn’t adopt an angry tone in your letter, since you were in the wrong.

A sense of responsibility

You want to be convincing and honest. Take responsibility for the late payment and explain why it happened. Your lender or creditor needs to be able to sympathize with you. Saying you just forgot isn’t going to win you any points.

A good recent payment history

Besides earning their sympathy, you want to gain your lender’s trust that you’re able to continue to make payments. If they see payments being made on time before and after the period of financial hardship, they might be more willing to give you a break. If you have a habit of making late payments, it’s more difficult to convince them that you’re taking this seriously.

Proof of any errors and relevant documents

If you’re writing about a mistake that occurred, maintain a polite tone and back up the errors you discovered with documentation. You’ll need proof that what you’re saying is true. Unfortunately, credit report errors aren’t uncommon, and there easily could have been a clerical error on the part of your servicer. If you have any written correspondence with them, you’ll want to include it.

Keep in mind that credit bureaus typically have an option set up to note discrepancies and potential errors directly from your report when you access it online, so you may not even need to write a formal letter to dispute an error.

Brevity

The last thing to keep in mind is that a short and simple letter will be more effective. Get straight to the point while telling your story. The people reviewing your letter don’t want to read an essay; the easier you make their lives, the better your chances of a favorable outcome.

Sample goodwill letters

Below is a sample goodwill letter template for a student loan:

To Whom It May Concern,

Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payment was reported on [date] for my account [loan account number].

During that time, my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she passed away, and was unable to make my student loan payments.

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority.

I’m not proud of this negative mark on my record, but it’s the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.

If the lateness cannot be removed entirely, I would still be appreciative if you could make a goodwill adjustment.

Thank you.

If you’re writing a letter because the lateness noted on your credit report is inaccurate, try this template:

To Whom It May Concern,

Thank you for taking the time to read this letter. I recently pulled my credit report and found that [Loan servicer] reported a late payment regarding my account [loan account number].

I am requesting that this late payment be assessed for accuracy.

I believe this reporting is incorrect because [list the supporting facts you have]. I have included the documentation to prove that I made payments during this time / that my loans were in forbearance/deferment and didn’t require any payments.

Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.

Thank you.

Make sure you tailor the letter to your own situation; you want to provide as many personal details as possible. You should also include your name, address, and phone number at the top of the letter in case your loan servicer needs to reach you immediately.

What to include with your goodwill letter

Don’t let your efforts go to waste by forgetting to include documentation along with your letter. Here’s a quick checklist of what you should include:

  • The account number for your loan.

  • Your name, mailing address, phone number and email address.

  • Statements showing proof that you paid (if you’re disputing a late payment).

  • Documentation showing that you’ve paid on time at all other points aside from when you experienced financial hardship.

  • Identifying documentation so your servicer knows you sent the request.

  • It's not necessarily something to “include,” but if you’re mailing anything, you should send it by certified mail so you’ll have proof your letter made it to its destination.

Where to send your goodwill letter

Now that your letter is written, you have to send it! You may be able to do this from your online account with the lender via a secure message, but you may also want to send a copy by mail. Look for the best mailing address on your last billing statement or on your lender or creditor’s “contact us” webpage.

It’s important to note that goodwill letters are not guaranteed to deliver immediate results. It often takes several attempts to correspond with servicers and lenders for them to acknowledge they received a letter from you.

If all else fails, try as many different communication methods as possible: Call, mail, live chat, and email them. Several people who have tried this method report that it’s possible to wear your servicer down with a barrage of requests.

This post was originally published in 2015 and was updated on April 7, 2020 by Lisa Rowan and again on Nov. 14 2024 by Meredith Dietz to meet Lifehacker's editorial standards. This post originally appeared at Magnify Money.



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How to Change Your iPhone's Ringtone and Media Volume Separately

When you press one of the volume buttons on your iPhone, you'll notice that it changes both the media volume and the ringtone volume together. If you want to reduce your media volume while keeping ringtones loud, you can't easily do so unless you use a clever workaround. However, thanks to Redditor /u/DC5tine, we now have just that.

Set media and ringtone volume separately on your iPhone

To pull this off, you'll need to use Apple's Shortcuts app. First, add /u/DC5tine's Adjust Volume shortcut to the app using this link. Then, open the Shortcuts app and either search for "Adjust Volume" or scroll down until you see it. Long press the shortcut, tap Share, and select Add to Home Screen. Now, tap the Adjust Volume icon on your iPhone's home screen and it'll show you two options: Media and Ringtone. Select the one you want to adjust, use the slider to set your desired volume level, and tap Done. That's it! 

An iPhone home screen with the Adjust Volume shortcut running. The pop-up window shows a volume slider.
Credit: Pranay Parab

At the moment, the only limitation to the shortcut is that it can't read your iPhone's current volume level. That is because iOS doesn't offer a way for Shortcuts to access this information. When you try to change the volume level using the shortcut, you'll notice the slider is always set to 50%. This is just a default value that the slider displays and it doesn't affect your iPhone's actual volume.

The Adjust Volume shortcut will work for any type of media, including Instagram Reels, TikTok videos, YouTube videos, or any other video or audio you wish to play. So long as you use the shortcut to adjust your media volume, your ringtone volume will remain unchanged. In some cases, you may even wish to use the shortcut to set a lower or higher ringtone volume without affecting media volume. 

Either way, the shortcut finally allows you to change one setting without impacting the other. Similarly, on the Mac, you'll also need to use a third-party solution to set a different volume level for each app



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Get Your Free, Reusable Holiday 'Red Cup' From Starbucks This Week

The holiday season can actually start now: Seasonal drinks recently returned to the menu at Starbucks, and Red Cup Day is upon us. The annual promotion gives customers a free 16-ounce reusable red cup, which also nets you a small discount on future orders, with the purchase of a holiday beverage. Here's how to get yours on Thursday, Nov. 14.

How to get your free red cup from Starbucks

To take advantage of Red Cup Day, purchase any size holiday beverage from a participating Starbucks on November 14. (If you aren't sure where to find this ubiquitous chain, use the store locator.)

Orders placed in store, at a drive-thru, through the Starbucks app, or using Starbucks Delivery via Uber Eats, Door Dash, and GrubHub are all eligible—fees will be waived for delivery orders made using the Starbucks app.

The only other catch is that you must order a fall or winter holiday beverage, so your drip coffee or standard latte won't qualify. Here's the list of eligible drinks, which can be made hot, iced, or blended:

  • Apple Crisp Nondairy Cream Chai Tea Latte

  • Apple Crisp Oatmilk Macchiato

  • Apple Crisp Oatmilk Shaken Espresso

  • Caramel Brulée Latte

  • Chestnut Praline Latte

  • Cran-Merry Orange Refresher

  • Cran-Merry Lemonade Refresher

  • Cran-Merry Drink

  • Gingerbread Oatmilk Chai

  • Hot Chocolate

  • Pecan Crunch Oatmilk Latte

  • Peppermint Hot Chocolate

  • Peppermint Mocha

  • Peppermint White Hot Chocolate

  • Pumpkin Cream Chai Tea Latte

  • Pumpkin Cream Cold Brew

  • Pumpkin Spice Latte

  • Salted Pecan Crunch Cold Brew

  • Sugar Cookie Almondmilk Latte

  • White Hot Chocolate

Once you have your reusable red cup, you can bring it with you to get $0.10 off future beverage orders (plus 25 bonus stars if you're a Starbucks Rewards member).



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You Can Get This Kodak Smartphone Photo Printer for $70 Right Now

You can get this Kodak Step instant smartphone photo printer on sale for $69.99 right now (reg. $99.99). It pairs with your Bluetooth- or NFC-compatible device to print full-color 2-inch by 3-inch photos with adhesive backing in under a minute without needing ink or power cords. You can also use the KODAK app to add photo borders, filters, or stickers to your photos before printing them, and it's great for scrapbooking, junk journaling, or as a holiday gift. 

You can get this Kodak Step instant smartphone photo printer on sale for $69.99 right now (reg. $99.99), though prices can change at any time.




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One of the Fastest Wifi Mesh System Is $500 Off Right Now

The Netgear Orbi RBKE963 Wifi 6E Mesh System, now down to $989 from $1,499.99, is designed for big spaces—like really big, 9,000-square-foot kind of spaces. It includes a router node and two satellite nodes, all in an aesthetic white finish with chrome accents. Both the router and satellites have a 2.5Gbps LAN port, three 1Gbps LAN ports, 12 high-performance internal antennas, and buttons for reset and sync. However, the router node has an additional 10Gbps WAN port for even faster connectivity while the satellites use one of the 5GHz bands for a dedicated wireless backhaul to keep everything running smoothly. You can also opt for a wired backhaul using the 2.5Gbps port.

The setup is user-friendly with the Orbi mobile app, which offers features like network map, wifi settings, device management, and more, at your fingertips. And, for those who like a bit more control, its web console on PC offers advanced options like IoT network separation and VPN configurations. Plus, parental controls and security features are solid with this mesh system. That said, they come with subscription fees ($7.99/month for Smart Parental Controls and $99.99/year for Netgear Armor, which protects your network and devices from malware). So, while the free 30-day trial seems like a nice perk, the added ongoing cost might feel like a sting given the system’s upfront expense.

Performance-wise, this PCMag review notes that the quad-band AX11000 system delivers impressive speeds—up to 4,800Mbps on the 6GHz band, 2,400Mbps on the two 5GHz bands, and 1,200Mbps on 2.4GHz. However, even with its excellent backhaul, Wifi 6 tech support, and MU-MIMO capabilities, the Orbi doesn’t come cheap—and its premium features may be overkill for smaller homes or those with basic internet needs. (Just keep in mind that while older devices can connect to this mesh system, only 6E-compatible devices can take advantage of the 6GHz band.)

For a fraction of the cost, options like the Asus ZenWiFi ET8 ($243.85, down from $329.99) could deliver enough performance for smaller homes without breaking the bank.



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Seven Baffling Apple Design Decisions

Apple is known for its careful, usually clever design work, which is why it sticks out more when the company fumbles. Last week, Apple started shipping its new M4 devices, and despite getting pretty stellar reviews, the device lineup has Apple fans scratching their heads at the latest in the company’s bizarre design decisions: the Mac mini’s power button is on the bottom of the computer.

To celebrate what at this point seems like spite, let’s take a walk through some of my favorite baffling Apple design decisions.

The Mac mini’s power button is on the bottom of the computer

Mac mini 2024 power button
Credit: Apple

It’s a good thing 2024’s Mac mini is so small, because you’re going to need to pick it up every time you need to access the power button. In an unfortunate asterisk on what otherwise seems like a slick, Apple TV-esque redesign, the M4-powered Mac mini’s power button is on the bottom of the device.

Speaking to Chinese website ITHome, Apple VP Greg Joswiak justified the decision by saying “you pretty much never use the power button on your Mac,” according to a machine translation. That may be so, but it hasn’t stopped the community from designing all sorts of fixes that make the power button more accessible

Joswiak says, “I can’t remember the last time I turned on my Mac,” so I suppose my guy doesn’t live in an area prone to thunderstorms. I use sleep mode as much as the next person, but as someone who grew up in tornado alley, I also know that when a power outage strikes, it’s nice not to have to rearrange your desk just to turn your computer back on.

You can’t charge the Magic Mouse and use it at the same time

Magic Mouse charging port
Credit: PCMag

Here's another Apple device that buries away key functionality for seemingly no reason. Announced alongside the M4 iMac, Apple’s 2024 revision of its Magic Mouse accessory left a key opportunity on the floor—literally. The update’s only change was to update its charging port to USB-C, but frustratingly, that charging port is still on the bottom of the mouse.

I’ve never been much of a fan of the Magic Mouse, because I need my dedicated right-click button. But I acknowledge the versatility that comes from combining a touchpad with a mouse. Unfortunately, even my less Windows-poisoned colleagues hate this thing.

That’s because it’s impossible to use the Magic Mouse and charge it at the same time. Granted, Apple says the Magic Mouse only needs charging about once a month, but if you end up needing to charge while rushing up on a deadline, that won’t be much consolation.

It’s a problem that would have been easily avoided by putting the charging port on the front side of the mouse, like every other wireless mouse I own. There are a dozen generic charging cases on Amazon that all claim to fix this problem (plus make the notoriously flat mouse more ergonomic while they’re at it), but it really shouldn’t be an issue in the first place.

The “brave” decision to remove the iPhone’s headphone jack 

iPhone with headphone jack dongle
Credit: Mashable

This is the big one: the one that has changed how every other phone is made. In 2016, with the release of the iPhone 7, audiophiles and casual users alike noticed a missing port on their new phones—the headphone jack was gone.

It wasn’t exactly a surprise. Consumers knew this was coming from the phone’s announcement a week prior, where then marketing chief Phil Schiller famously said what it took to get rid of the beloved audio standard.

“It comes down to one word,” Schiller said on stage in what has since become one of the most-memed moments in the company’s history. “Courage. The courage to move on and do something new that betters all of us.”

Yeah, OK bud. 

In place of the headphone jack, Apple announced the first set of AirPods at the same conference, beginning the swap over to wireless listening for many. There’s no doubt that AirPods were definitely convenient for anyone who could afford the premium, but the rest of us were left using a clunky adapter (at least we couldn’t accidentally flush our headphones down the toilet nearly as easily, though). And while Samsung and Google originally made fun of Apple for the move, it wasn’t long before they followed suit.

In the years since, there have been a few benefits from losing the jack—mostly that it made it easier for phones to be thinner and more waterproof. Apple’s (very) recent move to USB-C has also made it a bit easier to connect a wider range of accessories to its phones now, but back during the lightning years, “pass the aux” suddenly meant wrangling way more cables than anyone behind a steering wheel should.

The MacBook Touch Bar

MacBook with touch bar
Credit: Amazon

Up through last year, Apple was still selling at least one MacBook with a Touch Bar, a relic from an era when the company decided that a long, thin touchscreen would be better received than dedicated media keys or a proper escape key.

The idea was solid on paper: Replacing the function row with a Touch Bar allowed users to see contextual controls for the app they were in, like emoji keys when messaging, or different font options when in a word processor.

In reality, though, the Touch Bar simply wasn't useful enough, and relied on developer support that just wasn’t there. It also made controlling media way less tactile, which can be an issue for buttons that most people don’t actively look at while pressing. Not to mention, all the frustrating calls with less tech literate relatives who suddenly couldn’t find their escape key. (Look above the keyboard, grandma.)

Maybe Apple will refine the Touch Bar and bring it back in the future, but this is one tech trend that the rest of the world (except Dell, for some reason) did not follow.

The butterfly keyboard was as fragile as its namesake

Butterfly switch
Credit: PCMag

Keyboard mechanisms are something that usually only worry tech nerds. I might have gone out of my way to type this article on low profile mechanical switches, but for my relatives, they’ll just use the keyboard that comes with their computer or in a $30 bundle at Best Buy. That’s why it’s extra impressive how much of a disaster the butterfly keyboard ended up being for Apple.

The butterfly keyboard’s story began in 2015 with the 12-inch MacBook. The idea was the keyboard's switch mechanism, which resembled a butterfly’s wings, was thin enough to make room for extra components or just make the laptop thinner. Plus, keys would ideally be more stable as you typed. The reality, however, was that it was so small and fragile that it was prone to breaking at the slightest hint of dust or debris. 

Worse yet, Apple often didn't service the single key that happened to break, and would frequently take apart the entire machine to fix it, which proved much costlier. And because of its unique construction, third-party repair shops were often unequipped to help, leaving customers with no choice but to rely on Apple itself.

Apple stopped using the butterfly keyboard in 2020, but not until after extending the warranty on it and having to pay out a $50 million class action settlement first.

The iPod Shuffle with no buttons

iPod Shuffle without buttons
Credit: CNET

In 2009, Apple decided to really lean into the iPod’s similarities to hard drives by ditching buttons. I’ve never been a big fan of any iPod shuffle, since I usually only listen to music when I want to hear a specific song or album, but the 2009 model was beyond the pale. The device had no playback buttons on it, and instead required users to listen through a specific pair of headphones bundled with it.

The headphones did have a capacitive touch pad, something that users would get used to as smartphones became more commonplace, complete with the now standard “click to pause, double-click to go forward, triple-click to go back” controls. Mercifully, you could also tap specific areas next to the touch pad to adjust volume, but if you wanted to do anything more complex, you’d have to either consult the manual or get help from a voice assistant called VoiceOver.

As ahead of its time as it was, I’m still not sure this would fly even nowadays. We’re used to these click controls now, but even then, our phones have screens to help us with more complex navigation. Throw in being limited on which headphones you could use, and the whole proposition was just too finicky to work as more than a fashion accessory.

The Mac Pro’s $700 wheels

Mac Pro Wheels
Credit: Apple

In 2020, Apple started selling $700 wheels for the Mac Pro. The sentence sounds ridiculous enough that it feels like it doesn’t need elaboration, but the controversy actually ended up being a bit more nuanced.

The Mac Pro is generally not intended as a consumer level device. Starting at $6,999 for the tower that this would be attached to, it’s more aimed at enterprise customers than anyone else. If you opt for wheels at checkout, they’ll run you $400. The wheels are just kind of in line with how everything else about the Pro is priced.

So, were they worth it for businesses? Well, their entirely metal and rubber build makes them far more reliable than the plastic caster wheels you might be more accustomed to from cheap computer chairs, which means they do a better job of protecting your investment. In other words, if you go for cheaper wheels and they fall apart while you’re moving your Mac Pro, you could be out far more than $700 as it crashes to the ground.

Even then, though, these wheels have no brakes and are meant to be attached to a computer that has to be plugged into a wall. Being able to occasionally move that computer out from under a desk is nice, but it’s not $700 nice, especially when you could just place the Mac Pro on a cart instead. An executive's who's not just in it for image is going to have a hard time justifying the expense.

So, the jokes flooded in, with more than one influencer using the wheels to make hyper-expensive skateboards.

But maybe the joke’s on us. As tech commentator Marques Brownlee argues, the Mac Pro wheels are so expensive and so niche that they were never intended as a serious product, but instead to help Apple maintain its luxury image. 

5D corporate chess aside, though, I feel bad for anyone who bought these things, only to have the Mac Pro be stuck on an M2-series chip for years after.



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How to Find an ‘Easy Pricing’ Health Insurance Plan (and Why You Definitely Should)

It can often feel like health insurance was designed to be difficult to understand (though hopefully this explainer can help ) . Fortunately...