Straight Talk, a subsidiary of Verizon’s Tracfone provider, is now offering a prepaid 5G home internet service that you can sign up for without having to go through a credit check. The $45 per month service uses Verizon’s 5G and 4G networks and a router, available at “nearly 2,000 Walmart stores across the country,” according to a press release, to provide home internet without having to have a company come and hook up a modem. But while the company pitches it as an affordable option, there are definitely some considerations you’ll want to take into account if you’re looking to get cellular internet as cheaply as possible.

Compared to Verizon’s 5G home internet plans, Straight Talk’s home internet is less expensive in most cases. Verizon’s 5G Home service is $50 a month with autopay and $60 without, and its 5G Home Plus tier is $70 with autopay and $80 without. At those prices, you’ll be saving at least $5 a month by going with the Straight Talk option. (Though there’s an asterisk there that we’ll get to in a second.)

However, if you have the Verizon 5G Do More, 5G Play More, 5G Get More, or One Unlimited for iPhone plans for your phone, those monthly prices drop to $25 and $35, respectively. Those certainly aren’t budget-oriented cell plans, but if you’re trying to optimize every dollar and are

The World Health Organization says that all adults should be exercising for at least two and a half hours a week when performing moderate workouts — that number drops to a minimum of 75 minutes per week if the workout is particularly rigorous. No matter how much you’re working out, a good way to track exactly how difficult your workout is can be done by using a heart-rate monitor. A heart monitor with a stress chest strap is the best workout partner.

When it comes to optimizing your workout session — especially when your sport of choice is a distance-based activity, like running or cycling — data can empower you to get so much more out of each workout on a short-term and long-term basis. Heart-rate monitoring can help you track your cardiovascular and overall health.

Gathering metrics like your speed, heart rate, distance, calories burnedstride length, cadence, altitude and elevation can help you fine-tune your training plan to reach a specific fitness goals. That’s why finding the best heart-rate monitor with a chest strap that’s comfortable to wear (and pairing it with a handy fitness app on your smartwatch or a fitness tracker like a Fitbit Versa or Fitbit Charge) is so essential for your fitness goals and health.

Of all the different types of heart-rate monitors out there, chest straps are some of the best for

This story is part of Recession Help DeskCNET’s coverage of how to make smart money moves in an uncertain economy.

Investors were left spinning again this week as the stock market dropped into bear territory once more. global uncertainty, high inflation and rate hikes have marked a dizzying year for the market.

Now we’re wondering: What comes next?

With inflation still uncomfortably high and another aggressive rate hike expected from the Federal Reserve next month, the market is likely in for a bumpy ride.

“Investors should brace themselves for more market volatility,” said Mahesh Odhrani, certified financial planner and president of financial planning firm, Strategic Wealth Design.

The market’s short-term fate is contingent on multiple factors, so any predictions about what comes next are simply educated guesses. The Fed has raised interest rates five times this year in an effort to curb inflation. Now, a recession seems more likely than a “soft landing,” according to Federal Reserve Chair Jerome Powell. And though it’s impossible to say how deep that recession might be or how long it will last, such a downturn will definitely inflict more pain across the board, including an uptick in unemployment.

While experts indicate a light at the end of the tunnel, the market usually gets worse before it rebounds. Here’s what five experts said is likely to happen as 2022 comes to a draw and we brace for 2023.

Where experts predict the stock market is headed

Market uncertainty will persist.

“Investors

when the American Customer Satisfaction Index in June announced its numbers for the broadband industry, we noted that internet service providers landed at the very bottom of all industries surveyed. Well, the news isn’t much better with the release last week of a study from JD Power.

American consumers are less satisfied with their ISP than they were a year ago, the study found, based on responses from nearly 23,000 people from November 2021 to August 2022. The study breaks the country into four regions: East, North Central, South and West . Scores declined in three out of the four regions.

The survey scores providers on a 1,000-point scale and tracks customer satisfaction of residential service in five areas:

• Billing and payment
• Communications and promotions
• Cost of service
• customer care
• Performance and reliability

Verizon took the top spot in the East region with a score of 758 (the same score it garnered last year), while the region’s average score dipped from 714 to 707. Cable provider Midco ranked highest in the North Central area, with a 734 score (which dropped from last

Creating custom workouts