How 'Loss Mitigation' Can Help You Avoid Foreclosure

Falling behind on your mortgage payments is an incredibly stressful situation. When you miss multiple payments, the lender may start the foreclosure process to take possession of your home. However, foreclosure is generally a last resort for lenders, as it is an expensive and time-consuming process. That's why mortgage servicers have "loss mitigation" options to help homeowners avoid foreclosure when possible.

What is loss mitigation?

Loss mitigation refers to the various solutions and processes that mortgage companies use to work with homeowners and attempt to avoid foreclosure. The goal is to find an alternative that is acceptable to both the borrower and lender. Some common loss mitigation options include:

  • Loan modification: Permanently changing the loan terms, such as extending the payoff date or reducing the interest rate to make payments more affordable.

  • Forbearance: Allowing you to temporarily pay a lower or no payment for a set time period, with the missed payments being repaid later or added to the loan balance.

  • Repayment plan: The lender allows you to repay missed payments, along with an affordable portion of the overdue amounts, as a supplement to your regular monthly payments.

  • Short sale: Allowing you to sell the home for less than the amount owed on the mortgage if the lender agrees to the terms.

  • Deed-in-lieu of foreclosure: Transferring the deed to the home back to the lender if they agree to accept it as payment and release you from the mortgage.

How to pursue loss mitigation options

The key is to be proactive and contact your mortgage servicer as soon as you realize you are having difficulty making payments. Most have loss mitigation departments to explore options tailored to your situation. Be prepared to explain why you fell behind and provide documentation like pay stubs, bank statements, tax returns, etc.

You may have to go through a loan modification application process where you submit information to allow the lender to determine if you meet the requirements for an option like a loan modification. Be responsive to all requests for documents and persistent in your communications.

Foreclosure is a lengthy process, so there is typically time to work with the lender on a loss mitigation solution. However, don't wait until you have missed multiple payments to seek help. Lenders are far more willing to work with homeowners before a foreclosure has been initiated.

By taking advantage of loss mitigation programs, many homeowners can get financial relief and avoid the significant impact of foreclosure on their credit and finances. With an open dialogue and commitment to providing requested information, it may be possible to find an alternative path forward. For more, here are the first steps you should take whenever you're facing foreclosure.



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Everything to Consider When Buying a Stand Mixer

Your kitchen should have the right tools. Welcome to A Guide to Gearing Up Your Kitchen, a series where I help you outfit the space with all the small appliances you need (and ditch the ones you don’t).

Buying a stand mixer isn’t a purchase made lightly. You have to consider size, power, capabilities, and, of course, price. Shopping for the right one kind of feels like you’re buying a tiny new car for your kitchen, but it’s worth it. This powerful tool is indispensable for professional chefs, avid bakers, and home cooks alike. Once you’ve used one, it’s hard to go back to a twee hand mixer. Here’s what to look for as you shop around for your next stand mixer. 

Stand mixers vs. hand mixers

Hand mixers and stand mixers perform similar tasks, on paper. They both mix ingredients in a bowl faster and more powerfully than you could with your arm and a spoon. The difference lies in what you’re mixing. A hand mixer is a small, hand-held appliance with long beater arms that can take down a box of cake mix or whip a bowl of brownie batter in no time. Kneading bread or making flaky pie crust? Well, that might be a problem.  

The shape of the beaters, the engine’s power, and the fact that you have to hold and navigate a hand mixer, all factor in to make the stand mixer a more capable and versatile appliance. When you’re comparing models, considering these factors will help you narrow down your choices. (I should mention that commercial machines are in a whole different category, and I’m referring only to at-home options in this article.)

Size 

A stand mixer is small when compared to a stove or a refrigerator, but all factors considered, they can still command a large footprint in your kitchen. Scope out your kitchen before you start browsing models. Think about where this oddly-shaped machine is going to live. How often will you use it? Whether you need it once a week or once a year will help you decide if you need to measure cabinet storage space or counter space. 

How do the parts move? Some mixers have levers to pull the bowl up into position, and others have tilt heads. You’ll want to consider those extra inches and how they can fit under cabinets or next to other appliances. 

Consider weight. A heavier model will probably require a permanent spot on the countertop, whereas a smaller, lighter model is reasonable to carry back and forth to a low shelf. Is this a gift for your great grandmother? Maybe a lighter model will be more attractive. 

Generally, the more expensive models are greater in size. They have bigger bowls, heavier engines, and wider bases for more stability.

Power

How powerful a stand mixer is depends on how the beater attachments are shaped in conjunction with how much wattage the engine can put to work. Stand mixers have a range from around 275 to 600-watts. The lowest-price machines pull less power and are overall smaller than the higher-priced powerhouses. Consider what you plan on using the mixer for. If you’re looking for a quick assist with brownie batters, mashed potatoes, or cake batter that you make on a weekly basis, you won’t need a ton of power. If you’re planning on increasing your sourdough bread production, you’ll need a strong machine that can handle kneading stretchy dough consistently day after day. 

Attachments

I think attachments are one of the coolest perks of stand mixers. Since mixers have a big powerful engine that’s just spinning and spinning, some genius out there thought, “Why don’t we fit other helpful tools onto this engine?” Great idea. You can buy a pasta roller so you can finally give your rolling pin a break, a sausage grinder because sausage is delicious, or even a spiralizer for some zoodles. If this is an added benefit you’re looking forward to, be sure to check for the mixer’s attachment capabilities. 

Price point

I’ve kept you waiting long enough. Let’s talk about the most important thing: price range. It’s the first thing I think of when buying pretty much anything. If a certain line of equipment is out of my budget, I won’t even be teasing myself with those models. Since everyone has a different amount they’re willing to put toward a stand mixer, here are the brands and models that tend to hover in distinct price brackets. 

Under $80

There aren’t as many options in this price range, but that doesn’t mean finding a stand mixer is impossible. The following brands offer reliable products and seem to be trying to meet customers where they can. In this case, you’re essentially buying a hand mixer with a stand to hold it. It won’t provide a heap of power, but at least you can multitask in the kitchen. 

These are options for a home cook on a budget that could use a hands-free appliance but doesn’t need a machine to do heavy-duty mixing. If you’re interested in a stand mixer that can handle kneading bread and mixing thick doughs, go to the next price bracket and keep a keen eye out for sales. 

$99 to $150

These trusted names in at-home kitchen gear offer true stand mixers for affordable prices (as you’ll see later on in the list, it gets wild), but they may lack in bowl size and power. Unlike the hand-mixer-meets-stand-mixers above, these models are the true stand mixers in the sense that their shape and beater rotation allow you to create a wider range of recipes.

As I mentioned above, these products often go on sale, so if $100 is still out of range, check back every now and then to lock-in one of their deals. 

$200 to $500

Now we’re entering the thick of stand mixer offerings available. These machines offer a nice balance of price and capabilities. The following are listed from lower to higher retail price, but keep in mind that the Instant Pot mixer offers a larger bowl, and the KitchenAid is popular for its numerous attachment accessories. 

Everything to Consider When Buying an Air Fryer

Your kitchen should have the right tools. Welcome to A Guide to Gearing Up Your Kitchen, a series where I help you outfit the space with all the small appliances you need (and ditch the ones you don’t).

Not only do we live in the luminous time of the air fryer, but we’ve come to the point where there’s a dizzying variety of this countertop convection oven available. As tempting as it might be to buy the first one you see on sale, resist. There’s likely a better match for you out there. Air fryers will put in many hours of good work for you, so consider these tips when committing. You’ll be crisping up meals together for a while. 

All air fryers operate the same way: A fan next to the heating element provides rapid circulation of the heated air. These whipping winds cook food faster than a conventional oven. (Read here for more details on how air fryers work.) However, this simple appliance comes in different shapes, basket orientations, and with different functions that could make you pivot from one model to the next.  

Consider your cooking habits

In order to start narrowing down the field, consider what kind of food you frequently make, or maybe what you hope to cook up in the air fryer (like super crispy chickpeas). Do you want an air fryer because you heard it can produce deep-fried results with much less oil? Maybe you’re trying to explore dehydration recipes. Will you use it to bake viennoiserie or primarily for indoor grilling? Do you simply need a temporary all-purpose cooking appliance because your conventional oven can’t be replaced for a few months? 

Think about size

As you peruse the selection, you’ll quickly notice not only does air fryer shape vary, but so does the size. This is important if you have limited kitchen space—no one wants to unbox their new air fryer to find that it hangs off the countertop—but also for cooking real estate. A person who mostly cooks for themself probably won’t need the 21-inch oven model air fryer that can fit a Thanksgiving turkey. Then again, maybe you’re bulking and you’ve got a freezer full of turkeys waiting. So break out the measuring tape and make sure you know your dimensions, minimums, and maximums.

Types of air fryers

Here are the three primary types of air fryers models, and what they do best. Consider the settings, specifications, and most importantly the configuration of the door and air fryer basket when making your final choice. 

The basket model

Hand opening air fryer basket full of french fries.
Credit: zblaster / Shutterstock.com

This type of air fryer looks a bit like an alien space pod has dropped into your kitchen. Most of them look like round-cornered silver or black blocks with a single handle and a round knob in the center. The top portion of this model contains the controls, the heating element, and the fan. Pull on the handle and the lower section will slide out. This is the basket where food gets loaded.

The pros

Multipurpose

This deep basket makes this style of air fryer a great all-purpose cooking machine. It’ll transform nearly any type of frozen food item into crispy, golden morsels in a matter of minutes. It’s good for cooking bulky or tall items that might not sit easily on the racks of the other two models. Common settings for the average basket model are: air fry, bake, or roast. Other models might include functions like dehydrate, reheat, keep warm, or various food presets. The difference between these settings is temperature and fan speed.

Small footprint

Basket models are the best air fryers for smaller spaces. Housing the fan mechanism on top of the basket means these models are tall but they have a smaller countertop footprint. (The Dash air fryer below has a height and width barely larger than a piece of notebook paper.) I find that this type is easy enough to carry and relocate around your kitchen if you have to. Even though I use mine multiple times a week, it lives above my fridge, and I take it down when I need it. If you have a small kitchen or counter space is hard to come by, you can probably find a basket-style air fryer that works for you. 

The cons

The basket shape is limiting

The basket model does have some drawbacks. In models that aren’t multi-basket, you can only make one thing at a time. Additionally, the basket shape requires that you lower items down into it. This can be tough for baking, especially when you’d like to lower in cakes, cheesecakes, or pies without burning your knuckles.


Basket air fryers to consider:


The oven model

An air fryer oven sitting on the counter.
Credit: ellinnur bakarudin / Shutterstock.com

Although it uses the same equally effective convection fan heating system, the oven model looks like a completely different appliance—namely a toaster oven. When I first saw them years ago, I assumed they were just large toaster ovens with strange mesh racks inside. 

Where the basket style air fryer is tall, the oven model is wide. It often has a hinge door that opens downward—again, like a toaster oven—but I’ve also seen models lately that have double doors, or French doors. The fan and heating element are housed on the side or along the top of the machine, usually behind the control panel. 

The pros

Multitask your cooking

If you like to cook a variety of food at once, this might be the air fryer for you. It’s “oven style” for a reason. Just like your big conventional oven, this type is often designed to fit multiple racks at once. That means you can heat up a whole personal pizza with a full pan of fries sizzling above it. 

Some get extra fancy with a removable wall that effectively creates two independently heated sections. The Emeril Lagasse air fryer has this capability; you slide in the metal divider and the two spaces have separate heating elements with separate controls. You can apparently bake a cake on one side and air fry chicken wings on the other (beware, the smells might be confusing). Since air fryers cook more gently or aggressively depending on the fan speed, presumably there are two fans as well. It’s hard to tell from the description and pictures, but the comments seem to reveal there are multiple fans.

Rotisserie

I haven't been mentioning specific features as pros or cons because most of the models are capable of all features, barring one. The oven model is the only one I've seen so far that includes and is fitted for an actual rotisserie bar. If you frequently find yourself crushing an entire rotisserie chicken from the grocery store (you're not alone), you might want to consider making your own.

An easier entry point

I love my basket air fryer, but whenever I look at an oven model I stare longingly at the hinge door. There’s simply no downside to this door. It’s easier to slide foods into an air fryer on a tray—from ribs to pumpkin pie— than drop them into a basket or lift them out without burning yourself.

The view

The door of an oven air fryer is almost always a window. And I’m very much like the contestants on The Great British Bake Off—always staring into the oven. Nothing beats a big, wide, unobstructed view of whatever you’re cooking, especially if it’s cake or cookies. An extra minute can make a big difference. It’s easier to walk by your food, take a quick peak and decide, “that’s almost done!” or “I need to add more time.” It’s true that some basket models have windows now, but there’s always a big handle in the way.

The cons

Large footprint

If you’ve thought, “Geez, Allie, if you like the oven model so much, why do you have the basket mode?” Space. I don’t have it. My small kitchen is already bursting at the seams, and I need a portable air fryer that I can squeeze between this without obstructing that. Oven style air fryers simply take up too wide of a footprint and they’re a little clunky to lift and store in a cabinet or over the fridge every time. If you have similar concerns, be diligent about dimensions when you’re shopping, and take into consideration that the air vents need space behind them too.


Oven style air fryers to consider:


Grill-style model 

A grill style air fryer on a counter with plates of food.
Credit: Picture courtesy of Target.com

If the convection mechanism is the same amongst these different air fryers, then what is the big difference? It’s the shape. The distance between the food and the heating element can create a different effect. The indoor grill is new to the air fryer party, so there aren’t as many brands exploring it. However, there are still plenty to choose from.

This version is wider and flatter compared to the other two styles. The door is hinged, but opens on the top like a suitcase. The fan and heating element are located in the door this time with an added bonus—the grill grate under the food heats up too. This is the only type of air fryer that conducts heat directly onto the food in addition to convection heating. Some models come with multiple griddle bases or baskets to swap out. 

The pros

Direct heating

Having a heated grill plate underneath the food while the close fan heats the top is a boon for even cooking and speed. Plus, you can actually achieve solid sears and grill marks with this type of air fryer.

Great for broiling

In other air fryers, the heating element and fan can be eight to 12 inches away, which means toasting bread without drying it out, or broiling certain items is hard to achieve.

Easy accessibility

You know I love a hinge door. Your hands never have to dive into the basket to retrieve anything in this model, almost everything is easily accessible right under the door.

The cons

It’s not a grill

Just to be clear, a grill-style air fryer is not a real grill. There is no charcoal and no propane; it is an electric convection oven, which makes it safe for indoor use but won’t deliver the same flavors you’d expect from an outdoor charcoal grill.

One-zone cooking

Similarly to the basket model, the grill model provides one-zone cooking with one temperature setting. You would have to finish grilling your steak and remove it before setting the air fryer up for your corn ribs. If you’re looking for a single machine that can handle multiple temperatures at once, scroll up to the dual-zone oven model.

Closer heating element

This feature is a pro and con at the same time. It’s excellent for broiling or cooking steak with close, scorching heat, but a tad risky for a frozen Hot Pocket. The high heat can easily burn items, so keep a close eye on the things you put inside. 


Grill style air fryers to consider:

Today’s Wordle Hints (and Answer) for Monday, April 29, 2024

If you’re looking for the Wordle answer for April 29, 2024 read on. We’ll share some clues, tips, and strategies, and finally the solution. Today’s puzzle is easier; I got it in three. Beware, there are spoilers below for April 29, Wordle #1,045! Keep scrolling if you want some hints (and then the answer) to today’s Wordle game.

How to play Wordle

Wordle lives here on the New York Times website. A new puzzle goes live every day at midnight, your local time.

Start by guessing a five-letter word. The letters of the word will turn green if they’re correct, yellow if you have the right letter in the wrong place, or gray if the letter isn’t in the day’s secret word at all. For more, check out our guide to playing Wordle here, and my strategy guide here for more advanced tips. (We also have more information at the bottom of this post, after the hints and answers.)

Ready for the hints? Let’s go!


Does today’s Wordle have any unusual letters?

We’ll define common letters as those that appear in the old typesetters’ phrase ETAOIN SHRDLU. (Memorize this! Pronounce it “Edwin Shirdloo,” like a name, and pretend he’s a friend of yours.)

They're almost all common letters today! Three are in our mnemonic, and the other two are pretty common.

Can you give me a hint for today’s Wordle?

Air-, space-, or spy-.

Does today’s Wordle have any double or repeated letters?

No repeated letters today. 

How many vowels are in today’s Wordle?

There is one vowel. 

What letter does today’s Wordle start with?

Today’s word starts with C. 

What letter does today’s Wordle end with?

Today’s word ends with T. 

What is the solution to today’s Wordle?

Ready? Today’s word is CRAFT.

How I solved today’s Wordle

After RAISE and TOUCH, there were only one likely solution given the letter placement: CRAFT.

Wordle 1,045 3/6

🟨🟨⬛⬛⬛
🟨⬛⬛🟨⬛
🟩🟩🟩🟩🟩

Yesterday’s Wordle answer

Yesterday’s Wordle was easier. The hint was “both a garden task and a dried fruit,” and the answer contained four common letters and one fairly common letter.

The answer to yesterday’s Wordle was PRUNE.

A primer on Wordle basics

The idea of Wordle is to guess the day’s secret word. When you first open the Wordle game, you’ll see an empty grid of letters. It’s up to you to make the first move: type in any five-letter word. 

Now, you can use the colors that are revealed to get clues about the word: Green means you correctly guessed a letter, and it’s in the correct position. (For example, if you guess PARTY, and the word is actually PURSE, the P and R will be green.)

  • Yellow means the letter is somewhere in the word, but not in the position you guessed it. (For example, if you guessed PARTY, but the word is actually ROAST, the R, A and T will all be yellow.)

  • Gray means the letter is not in the solution word at all. (If you guessed PARTY and everything is gray, then the solution cannot be PURSE or ROAST.)

With all that in mind, guess another word, and then another, trying to land on the correct word before you run out of chances. You get six guesses, and then it’s game over.

The best starter words for Wordle

What should you play for that first guess? The best starters tend to contain common letters, to increase the chances of getting yellow and green squares to guide your guessing. (And if you get all grays when guessing common letters, that’s still excellent information to help you rule out possibilities.) There isn’t a single “best” starting word, but the New York Times’s Wordle analysis bot has suggested starting with one of these:

  • CRANE

  • TRACE

  • SLANT

  • CRATE

  • CARTE

Meanwhile, an MIT analysis found that you’ll eliminate the most possibilities in the first round by starting with one of these:

  • SALET

  • REAST

  • TRACE

  • CRATE

  • SLATE

Other good picks might be ARISE or ROUND. Words like ADIEU and AUDIO get more vowels in play, but you could argue that it’s better to start with an emphasis on consonants, using a starter like RENTS or CLAMP. Choose your strategy, and see how it plays out.

How to win at Wordle

We have a few guides to Wordle strategy, which you might like to read over if you’re a serious student of the game. This one covers how to use consonants to your advantage, while this one focuses on a strategy that uses the most common letters. In this advanced guide, we detail a three-pronged approach for fishing for hints while maximizing your chances of winning quickly.

The biggest thing that separates Wordle winners from Wordle losers is that winners use their guesses to gather information about what letters are in the word. If you know that the word must end in -OUND, don’t waste four guesses on MOUND, ROUND, SOUND, and HOUND; combine those consonants and guess MARSH. If the H lights up in yellow, you know the solution.

One more note on strategy: the original Wordle used a list of about 2,300 solution words, but after the game was bought by the NYT, the game now has an editor who hand-picks the solutions. Sometimes they are slightly tricky words that wouldn’t have made the original list, and sometimes they are topical. For example, FEAST was the solution one Thanksgiving. So keep in mind that there may be a theme.

Wordle alternatives

If you can’t get enough of five-letter guessing games and their kin, the best Wordle alternatives, ranked by difficulty, include:



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Today’s Wordle Hints (and Answer) for Sunday, April 28, 2024

If you’re looking for the Wordle answer for April 28, 2024 read on. We’ll share some clues, tips, and strategies, and finally the solution. Today’s puzzle is easier; I got it in four. Beware, there are spoilers below for April 28, Wordle #1,044! Keep scrolling if you want some hints (and then the answer) to today’s Wordle game.

How to play Wordle

Wordle lives here on the New York Times website. A new puzzle goes live every day at midnight, your local time.

Start by guessing a five-letter word. The letters of the word will turn green if they’re correct, yellow if you have the right letter in the wrong place, or gray if the letter isn’t in the day’s secret word at all. For more, check out our guide to playing Wordle here, and my strategy guide here for more advanced tips. (We also have more information at the bottom of this post, after the hints and answers.)

Ready for the hints? Let’s go!


Does today’s Wordle have any unusual letters?

We’ll define common letters as those that appear in the old typesetters’ phrase ETAOIN SHRDLU. (Memorize this! Pronounce it “Edwin Shirdloo,” like a name, and pretend he’s a friend of yours.)

They're almost all common letters today! Only one is not from our mnemonic, and it's still pretty common.

Can you give me a hint for today’s Wordle?

Both a garden task and a dried fruit.

Does today’s Wordle have any double or repeated letters?

No repeated letters today. 

How many vowels are in today’s Wordle?

There are two vowels. 

What letter does today’s Wordle start with?

Today’s word starts with P. 

What letter does today’s Wordle end with?

Today’s word ends with E. 

What is the solution to today’s Wordle?

Ready? Today’s word is PRUNE.

How I solved today’s Wordle

After RAISE and TOUCH, I tried PRUDE, which left only one solution: PRUNE.

Wordle 1,044 4/6

🟨⬛⬛⬛🟩
⬛⬛🟩⬛⬛
🟩🟩🟩⬛🟩
🟩🟩🟩🟩🟩

Yesterday’s Wordle answer

Yesterday’s Wordle was hard. The hint was “shine, noun or verb,” and the answer contained three common letters and two fairly common letters.

The answer to yesterday’s Wordle was GLEAM.

A primer on Wordle basics

The idea of Wordle is to guess the day’s secret word. When you first open the Wordle game, you’ll see an empty grid of letters. It’s up to you to make the first move: type in any five-letter word. 

Now, you can use the colors that are revealed to get clues about the word: Green means you correctly guessed a letter, and it’s in the correct position. (For example, if you guess PARTY, and the word is actually PURSE, the P and R will be green.)

  • Yellow means the letter is somewhere in the word, but not in the position you guessed it. (For example, if you guessed PARTY, but the word is actually ROAST, the R, A and T will all be yellow.)

  • Gray means the letter is not in the solution word at all. (If you guessed PARTY and everything is gray, then the solution cannot be PURSE or ROAST.)

With all that in mind, guess another word, and then another, trying to land on the correct word before you run out of chances. You get six guesses, and then it’s game over.

The best starter words for Wordle

What should you play for that first guess? The best starters tend to contain common letters, to increase the chances of getting yellow and green squares to guide your guessing. (And if you get all grays when guessing common letters, that’s still excellent information to help you rule out possibilities.) There isn’t a single “best” starting word, but the New York Times’s Wordle analysis bot has suggested starting with one of these:

  • CRANE

  • TRACE

  • SLANT

  • CRATE

  • CARTE

Meanwhile, an MIT analysis found that you’ll eliminate the most possibilities in the first round by starting with one of these:

  • SALET

  • REAST

  • TRACE

  • CRATE

  • SLATE

Other good picks might be ARISE or ROUND. Words like ADIEU and AUDIO get more vowels in play, but you could argue that it’s better to start with an emphasis on consonants, using a starter like RENTS or CLAMP. Choose your strategy, and see how it plays out.

How to win at Wordle

We have a few guides to Wordle strategy, which you might like to read over if you’re a serious student of the game. This one covers how to use consonants to your advantage, while this one focuses on a strategy that uses the most common letters. In this advanced guide, we detail a three-pronged approach for fishing for hints while maximizing your chances of winning quickly.

The biggest thing that separates Wordle winners from Wordle losers is that winners use their guesses to gather information about what letters are in the word. If you know that the word must end in -OUND, don’t waste four guesses on MOUND, ROUND, SOUND, and HOUND; combine those consonants and guess MARSH. If the H lights up in yellow, you know the solution.

One more note on strategy: the original Wordle used a list of about 2,300 solution words, but after the game was bought by the NYT, the game now has an editor who hand-picks the solutions. Sometimes they are slightly tricky words that wouldn’t have made the original list, and sometimes they are topical. For example, FEAST was the solution one Thanksgiving. So keep in mind that there may be a theme.

Wordle alternatives

If you can’t get enough of five-letter guessing games and their kin, the best Wordle alternatives, ranked by difficulty, include:



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I Asked AI Chatbots for Gift Recommendations, and It Went Horribly

I've never been great at picking out thoughtful presents. I’m not the worst at presents, but I’m inconsistent. Sometimes I hit a triple and sometimes I’m tagged out at first, but I never hit that grand slam “I never knew I always needed this” present. My obligatory gifts usually go well—I give thoughtful and appropriate Secret Santa gifts to co-workers—but when I'm choosing a present for someone I love, I get overwhelmed and paralyzed searching for an object that measures up to the feelings I have, so I end up stopping at CVS and buying them a pack of batteries or something. Maybe I’m reading too much into it, but it makes me wonder if I’m not empathetic or caring or creative enough to be an all-time great present-picker-outer. So I turned to AI for an assist.

From piloting automatous vehicles to diagnosing cancer to letting us hear what it would sound like if Hank Williams Sr. sung "Straight Outta Compton," AI is transforming our culture quickly and ruthlessly. But there are some seemingly simple tasks that AI still can't do well—like, as I quickly figured out, picking out a thoughtful gift for a family member. When it comes to matters of the heart, AI just doesn't cut it.

The grifty, depressing world of AI gift recommendation services

There are a lot of websites and apps that promise to use AI to help people find great gifts, so I started my hunt there. Judging by Google search results, over the last few years, hundreds, maybe thousands, of people have secured domain names like “bestAIGift.co," thrown together some HTML, and set up shop in the AI gift industry. It doesn’t seem to be going well for them.

The majority of sites I looked at from the top tranche of Google recommendations have that greasy, thrown-together feel of scam websites, and most of them are broken. DreamGift at least looks legit; the website says it has been featured in the New York Times, and it offers a personal AI gift shopper” named Bliss who asks questions about your giftee in a chat window. But Bliss doesn’t provide the suggestions she promised. When I used it, Bliss just timed out, like someone stopped paying the bill on the plugin. 

Of the AI gift recommendation sites that function, most don’t use “artificial intelligence” as it is commonly understood. Instead, you fill in drop-down menus with the gift recipient’s age, gender, and your relationship to them, and it spits back a generic set of catalog links. (Thanks for the help, Giftbox, but I asked him, and my son does not want “a high-quality skateboard complete with custom grip tape” or “A DIY robotics kit for building and programming his own robots” for his birthday.)

I did find a few working sites that really use large language model AI programs to provide gift advice. But they work by opening a window to ChatGPT or other AI brains, so I decided to cut out the middleman and ask some of the biggest, most advanced AI platforms for help directly. I started each chat with “Can you help me choose the perfect gift for my son’s birthday?” and let the AI direct the conversation from there.

Trying ChatGPT to help find the perfect gift

I started with the most well-known AI: OpenAI's ChatGPT. I put my question in, and ChatGPT responded by asking for information about my son: age, interests, personality, hobbies, etc. I entered them, and it responded with the most generic gift list possible.

I said he liked video games, hip-hop, graphic design, and baseball caps. ChatGPT said I should “research limited edition or vintage baseball caps featuring designs related to his favorite video games, hip-hop artists, or graphic design themes.”

I told ChatGPT that he is intelligent, and it suggested “an interesting book” and “a blank journal.”  

That’s not bad advice or anything, but a book he might like and things related to his interests are so generic that the list is fairly useless. The only specific gift ChatGPT mentioned was "vinyl records of hip-hop artists." I ran that by my kid and he scoffed and said "It's 2024. Who has a record player?"

That said, if you were having trouble understanding how a person’s hobby could be “shopped for” it might help you brainstorm basic ideas.

Rating: 3 out of 5.

Can Microsoft CoPilot help you find the perfect gift?

My next stop was Microsoft CoPilot. I asked “Can you help me choose the perfect gift for my son’s 17th birthday?” It didn’t ask about him at at all; it just replied with a link to a box of survivalist tools from Temu.

survivalist tools
Credit: Temu

I admire CoPilot’s decisiveness, but I’m not sure what my kid would do with a flint stone and “fake shrimp bait” in Los Angeles, and the knife is a little much. Besides, if you’re paying 23 dollars for survivalist gear from Temu, you probably don’t want to survive that much.

I responded to CoPilot with “Whoa. My kid is not Rambo. Try again.”  And it immediately sent a link to a “Gentleman’s Gasher” hunting knife

Gentleman's Gasher
Credit: Etsy

I am not sure why CoPilot thinks my child should have weapons, but I’m mildly terrified at the implications.

Rating: 1 out of 5. 

Can Qualified’s PiperAI help you find the perfect gift?

Qualified is a B2B company that just launched an “AI SDR” named Piper to help the company “disrupt the modern pipeline generation process by giving marketing and sales leaders a newer, faster way to grow pipeline.” I don’t know what any of that means, but it looks like this:

Qualified Piper AI
Credit: Qualified

Here's how our chat went:

Qualified Piper AI
Credit: Qualified

A direct approach clearly wasn't going to work, so I tried to speak the AI's language.

Qualified Piper AI
Credit: Qualified
Qualified Piper AI
Credit: Qualified

A dead end. So I changed tactics:

Qualified Piper AI
Credit: Qualified

After more cajoling and coaching, this actually started working, and Piper began planning my kids' party:

Qualified Piper AI
Credit: Qualified

But just as I was about about to get the present recommendation...

Qualified Piper AI
Credit: Qualified

... a human at Qualified noticed what I was doing and butted in.

Qualified Piper AI
Credit: Qualified

So I bid a hasty retreat.

Qualified Piper AI
Credit: Qualified

Qualified was cool, and its bot handled my weird request really well, so I'm sure it's great at B2B pipeline-based business metric analytics and quarterly profit stock markets or whatever, but I ultimately wasn't able to determine its ability to recommend a good gift.

Rating: 2 out of 5

Can Claude help you pick out the perfect gift?

If AIs were people, Claude is the only one I'd hang out with. From its presentation to its responses, Claude comes across as warm and approachable. It's not as generic as ChatGPT, it doesn't think my son should have weapons like CoPilot, and it isn't a hard-driving careerist like Piper. Still, its initial gift list was was nearly as generic as ChatGPT's.

But I realized maybe the problem was me. Maybe I hadn't gotten specific enough about who my son is, who I am, and what the gift a father gives to his son on his 17th birthday means to us both. So I opened an emotional vein and spent hours (literally) telling the machine everything about myself, my son, and our relationship. (AIs are good listeners.). Then I asked it for the ultimate recommendation: Here's what it said:

Claude AI
Credit: Claude AI

I would have never thought of that gift! So maybe it was actually the perfect present. I asked my son what he would think if I got him a vintage typewriter for his birthday and he thought the idea was hilariously, laughably terrible, "the worst present you could possibly get me." Worse than anything off the list of generic gifts from ChatGPT.

Rank: 1 out of 5

Conclusion: don't use AI to help you pick out presents

AI is ba

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How Unsecured Loans Work (and When You Should Get One)

When you need to borrow money, you generally have two options: secured loans or unsecured loans. A secured loan is one where you put up an asset like a house or car as collateral, meaning the lender can seize that asset if you fail to repay the loan. An unsecured loan, on the other hand, requires no collateral—but it has some downsides.

What is an unsecured loan?

With an unsecured loan, lenders approve you to borrow money based solely on your creditworthiness and income rather than any assets you own. Some common types of unsecured loans include credit cards, student loans, and personal loans.

The biggest advantage of an unsecured loan is that you don't have to risk any of your property or assets to get the money you need. The downside is that these loans typically have higher interest rates than secured loans to offset the increased risk for the lender. Your credit score plays a big role in determining what interest rate you'll qualify for on an unsecured loan.

When does it make sense to get an unsecured loan?

An unsecured loan can be a good option in several situations:

You have good credit

If your credit score is good to excellent, you'll likely qualify for relatively low interest rates on an unsecured personal loan compared to other borrowing options like credit cards.

You don't want to risk assets

With no collateral involved, an unsecured loan protects your home, car, investments, and other assets if you run into trouble repaying the debt.

You need flexibility

Unsecured personal loans can provide funds for nearly any purpose, from consolidating credit card debt to covering emergency expenses.

However, there are also times when a secured loan may be preferable, especially if you have poor credit and high interest rates make an unsecured loan unaffordable. Putting up collateral on a secured loan can qualify borrowers for lower rates.

How to get an unsecured loan

So you're sold on the idea of borrowing money without pledging collateral. Can you stroll into your bank and ask for just that? Not quite.

The application process for an unsecured personal loan is more involved. Lenders will check your credit report, credit score, income, employment status, outstanding debts and overall financial situation before deciding whether to approve you for a loan and at what interest rate.

The most common sources for unsecured personal loans include banks, credit unions, and online lenders. Many allow you to begin the process by submitting an application online or over the phone. You'll need to provide information like your name, contact details, social security number, income, desired loan amount, and what you plan to use the funds for. The lender will then pull your credit report and other financial details before letting you know if you're approved or denied.

Overall, unsecured loans offer flexibility and convenience for borrowers with solid credit histories. Just be sure to understand the costs over the full loan term and have a plan to repay the debt. By weighing your options, you can decide if an unsecured loan is the right choice for your situation. For more, here are tips for paying off your loans early.



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My Favorite Amazon Deal of the Day: The Tribit Stormbox Micro 2

If you're looking for a solid outdoor portable speaker for a good price, the Tribit Stormbox Micro 2 is now at its lowest price ever (according to price-checking tools) of $42.99 (originally $79.99) after a 40% discount and a $5 on-page coupon.

Tritbit has been making affordable outdoor speakers since 2017, and the StormBox Micro is the smallest speaker in the lineup. This second-generation StormBox Micro was launched in 2022 with improvements in battery life and better Bluetooth support, according to PCMag's "good" review. For its size, it offers powerful sound and bass, and its 12-hour battery life and speakerphone set it apart from the JBL Go 3, its main competitor.

If you're looking for a bigger speaker that is still easy to carry, the StormBox Flow is $59.99 (originally $79.99) after using the 25% on-page coupon. PCMag gave it a "good" review for its powerful sound and long battery life. The less portable but still outdoor StormBox Pro speaker is $89.99 (originally $135.99) after a $30 on-page coupon. PCMag gave this speaker an "excellent" review for its stereo sound, speakerphone and voice assistant features, and waterproof rating.



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10 Best Lubes (2024): Water-Based, Silicone, and Lube Dispensers

For the most sensitive parts of the human body, friction is the enemy. Here’s how to keep it at bay.

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The 14 Best Barefoot Shoes (2024): For Running or Walking

Our favorite zero-drop, minimalist footwear will let you feel the ground beneath your feet.

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Here’s When It’s Better to Work Out in the Morning (or the Evening)

Science says working out in the morning is best—no, wait, in the evening! If you’re looking for the best time to work out, you’ll find studies to support each of your options. Let’s look at the pros and cons of each choice, so you can decide what is best for your schedule.

Why there isn’t a scientifically “best” time to work out

As with any scientific question, there are many scientific answers. One recent study found that, in a group of Australians with BMIs over 30 (average age 62.2), those who got most of their aerobic exercise in the evening had lower rates of death, cardiovascular disease, and microvascular disease than people who got most of their exercise in the morning or midday. 

That’s not the only study that has ever been done on the subject, of course. Just a few months earlier, another study found that people who exercise in the morning tend to have slightly lower BMIs (25.9 versus 27.2) compared to those who exercise in the evening. 

If you start reading all the studies on exercise timing, you’ll find plenty more seemingly conflicting evidence. One study even broke out its results into groups to say that women got certain benefits from morning exercise, other benefits from evening exercise, and then men got (still different) benefits from evening exercise. Since the study population was just 36 people, I’m going to take those very specific-sounding results with a grain of salt.

Ultimately, the most important thing to know about exercise timing is what the authors of this review on exercise timing wrote in their conclusion: “It is essential to note that exercise at any time of day is of greater benefit than no exercise.” 

The benefits of morning workouts

Morning workouts are the classic sign of a motivated go-getter. The arguments in favor of a morning workout are all about productivity and time management, which are often more important than any biological benefits. 

  • You know you’ll have time to fit it in. If work gets busy, or if you find yourself tired at the end of the day, those issues won’t prevent you from doing your workout—you already got it in.

  • You may get a mood and energy boost for the rest of the day. Experiences vary, but many people find that exercising in the morning helps their mental health throughout the morning or even the whole day. 

  • Outdoor morning exercise can train your circadian clock. If your exercise is outdoors—like going for a jog—that helps you to get sunlight as well. Morning light can help your body’s clock to stay on track, which in turn can help you to feel sleepy at nighttime. 

  • You can have caffeine before your workout. Caffeine-containing preworkout powders (or energy drinks, or coffee) can help you focus better and work harder in the gym. But taking caffeine late in the day can mess with your sleep. So if you’d like to use a strong preworkout, consider doing your workout in the morning.

So if you want to improve your sleep, have more energy in the morning and throughout the day, and use caffeine during your workout, morning exercise might be the best option for you. Mornings are also great for people whose schedules can be unpredictable during the day. But don’t set your alarm early just yet—there are also benefits to evening workouts.

The benefits of evening workouts

Evening workouts make a lot of sense for many of us—including those who (like myself) have a hard time getting moving in the morning. Consider these advantages of evening workouts: 

  • You can’t oversleep and miss your workout. If you’re naturally more of a night owl, this might be a real issue. 

  • You may be able to focus better with your work day behind you. Taking the time for a long workout, or mustering the focus for an intense one, can sometimes be easier when most of the day’s obligations have already been taken care of.

  • You’ll be better fed. It can be a struggle to fuel well before a morning workout. If you work out in the evening, you may need to adjust the exact timing—snack before workout and dinner after, for example—but at least you’ll have something in your belly. 

  • Your performance may be better. Your core temperature tends to be higher in the evening, and some studies show a small performance boost in both strength and oxidative capacity (which relates to your ability to burn fuel for energy). This can mean you’ll more easily see your fitness reflected in how heavy you can lift or how fast you can run. 

So if you have a hard time waking up early, eating for a morning workout, or finding the time and focus to exercise before you start your day, evening workouts may be best for you. 

How to decide

Probably one of these options speaks to you more than the other. It may be as simple as knowing whether you’re more of a morning person or a night owl. Your decision may also be an easy one if your daily schedule only has one good time to work out. Whenever that may be—even if it’s noon or 2 a.m.—the smart schedule is whatever you’ll be able to stick to. After all, if a morning workout is ideal but you never manage to make it happen, there’s no need to feel attached to morning workouts. 

You also don’t have to consider yourself a devotee of either camp. It’s OK to work out Monday and Thursday mornings, and sleep in Tuesdays and Fridays so you can train in the evenings on those days. Or perhaps you change up your schedule with the seasons: sunrise jogs in the summer are great, but a 6 a.m. winter run is no fun with the dark and snow. Choose what makes sense for you. 



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Today’s Wordle Hints (and Answer) for Monday, May 6, 2024

If you’re looking for the Wordle answer for May 5, 2024 read on. We’ll share some clues, tips, and strategies, and finally the solution. To...