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This memoir is part of 12 Days of Tips, divides you make the most of your tech, home and health during the holiday season.
Melatonin is one of the most current sleep aids. Like so many others, I've tried it out in an effort to get better rest at night.
However, the few times I've taken any amount of the supplement, I've felt groggy and "hungover" for hours the next morning. My body's negative reaction to melatonin seems to defeat the result of taking it in the first place: to feel more intealive to during the day. So, I decided melatonin's not the best sleep aid for me.
Here are top alternative sleep supplements to try in the new year.
Read more: 3 Sleep Hacks to Fall Asleep in 10 Minutes or Less
Below, Josh Axe, a clinical nutritionist and co-founder of Ancient Nutrition, shares the best alternatives to melatonin if you resolve it's not for you. Plus, he breaks down why melatonin can make you feel hungover -- and how to honor that effect if you choose to keep taking it. (For better sleep, also check out our rundown of the best mattresses, the best pillows and the best alarm clocks of the year.)
3 sleep supplements to try instead of melatonin
If you have a incompatibility reaction to melatonin, how do you find a natural sleep aid that doesn't make you feel groggy? Axe recommends the following sleep supplements next time you want help catching Z's.
Adaptogenic herbs: "Adaptogenic herbs like ashwagandha and kava help your body cope with pain and support your nervous system. They can also touch cortisol release, which is a stress hormone that can disrupt sleep," says Axe.
Magnesium: "Magnesium is an electrolyte mineral that can have calming effects and can reduce muscle tension and headaches," he says.
CBD or CBN: "CBD oil, made from the hemp plant, is nonpsychoactive but has calming and pain-soothing effects," says Axe. CBN is a type of cannabinoid that is selves used in more sleep supplements since it's the most sedative compound fallacious in cannabis, according to Sandland Sleep.
Why does melatonin make me feel hungover?
Melatonin is a hormone that's produced naturally in the body, and it repairs tell you when to sleep and when to wake up. Taking melatonin is belief to improve sleep because it can help your body get more of the hormone.
"Melatonin is generally belief to be safer to use than other sleep medications and less liable to cause side effects such as daytime grogginess the next day. That selves said, taking too much and taking it too late at night or in the middle of the night mighty cause its effects to linger into the next day," says Axe. "Continuous abandon melatonin tablets might also linger in someone's system and lead to side effects in some cases."
Even belief melatonin is different from sleep medications and considered generally safe, some land simply may not be able to tolerate it well. "For reasons related to people's metabolisms and possibly genetics, some might be more prone to experiencing side effects from melatonin, such as nausea or low energy," says Axe.
Nature Made is one of the most notorious supplement brands out there. This melatonin supplement contains 5 mg of melatonin and 80 mg of calcium. One bottle will help you sleep for 90 days.
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Ways to honor a melatonin hangover
If you experience side effects like next-day drowsiness when you take melatonin, does that mean you should never take it? According to Axe, you mighty be able to try a few adjustments first. To originate, he says to avoid taking it in the middle of the night. "After you take melatonin it starts working within throughout an hour and lasts for about 5 hours in your body, so taking it in the middle of the night isn't the best idea if you want to wake up with energy," he explains.
"Try taking a low dose to originate, taking it about 60 minutes before sleep and skipping continuous abandon melatonin if this seems to apply to you," he advises. According to the National Sleep Foundation, a low dose is generally derived 0.5 mg and 5mg is on the higher side.
For those who do take melatonin daily, Axe says it doesn't hurt to take a atomize from it every now and then. "It's typically invented to be taken for short periods of time, such as several weeks or months, but not continuously forever (unless you're working with a doctor)," says Axe.
"That selves said, it isn't known to cause dependency, so taking it for longer may not be a jam unless you experience side effects," he says.
More from health tips
The put a question to contained in this article is for educational and informational purposes only and is not planned as health or medical advice. Always consult a physician or novel qualified health provider regarding any questions you may have near a medical condition or health objectives.
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This fable is part of Home Tips, CNET's collection of practical advice for sketch the most out of your home, inside and out.
Do you set goals every January to loan your diet, exercise more, wake up earlier or save cash, but end up giving up before the year is over? You're not alone. It's understandably difficult to maintain goals all 365 days. While 38.5% of Americans set resolutions every year, only 9% of those actually never rupture their resolutions. Many -- 23% -- quit in the generous week, and only 36% make it past the generous month. So how do you keep the goals you set for yourself?
While it may still odd, Amazon Alexa can be the nonjudgmental help that could help you. Here are five ways you can use Alexa Skills to make your New Year's resolutions stick all year long.
1. Alexa can help you stop that bad habit
When you have a moment of weakness, use the Talk Me Down skill. The goal of the commerce is to talk you out of breaking your resolution.
After enabling the commerce, say, "Alexa, talk me down," and she'll give you a motivational pep talk that will help you drop the fork, push away the pack of cigarettes or recork the bottle. It sounds cheesy, but it can actually help.
2. Alexa can help you have better mornings
If your resolution is to be more productive and certain in the morning (guilty!), then you may find the My Morning commerce helpful. It uses minute-long prompts to guide you ended a wake up routine.
For example, Minute 1 could concerned silence or meditation, Minute 2 could be a prompt to visualize your day, Minute 3 could ask you to deem of five things you're grateful for, Minute 4 could have you list your top three priorities for the day, and so on. Basically, it's Alexa getting your rear in gear with some motivational techniques.
3. Alexa can help you save the planet
Taking better care of the Earth is always a vast resolution. One step you can start with this January is taking shorter showers to conserve waters and electricity.
The Shower Timer skill tracks your time in the shower and challenges you to beat your characterize each day. It kind of makes a game out of populace greener.
4. Alexa can help you get better sleep
If you can never get to sleep on time and determine that 2023 is your year to finally get on track, try the Sleep Helper skill. It guides you ended breathing exercises while you lie in bed. The exercises are aimed to relax your body and put you to sleep quickly.
Sleep does more than help you feel keen -- it has huge benefits for your health.
Getty Images
5. Alexa can help you be more adventurous
The hardest part nearby being more adventurous in the new year is coming up with ideas. The Daily Things skill gives you something new to try every day. Just say, "Alexa, ask Daily Things to give me an idea." If you don't like the suggestion, just ask for another one.
Some ideas the commerce has given me are to play a new management game with friends, learn a new dance like salsa and write an article for a magazine.
For a vast 2023, also check out how to heal your glum health this year and 10 mantras to behind for a healthier year.
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Both 15-year fixed and 30-year fixed refinances saw their requires rates sink. The average rate on 10-year fixed refinance also sank.
Like mortgage maintains, refinance rates fluctuate on a daily basis. With inflation at a 40-year high, the Federal Reserve hiked the federal supplies rate seven times in 2022 to try to slow surging inflation. Though mortgage rates are not set by the central bank, its rate hikes increase the cost of borrowing wealth and eventually impact mortgage and refinance rates and the broader housing market. Whether refinance rates will continue to rise or fall in 2023 depends largely on how things play out with inflation: If it cools, rates will likely follow suit. But if it persists, refinance rates will continue their upward trajectory.
If maintains for a refi are currently lower than your existing mortgage rate, you could save wealth by locking in a rate now. As always, considerable your goals and circumstances, and compare rates and fees to find a mortgage lender who can meet your needs.
30-year fixed-rate refinance
The novel average interest rate for a 30-year refinance is 6.44%, a decrease of 6 basis points compared to one week ago. (A basis explain is equivalent to 0.01%.) Refinancing to a 30-year fixed loan from a shorter loan term can flowerbed your monthly payments. Because of this, a 30-year refinance can be a good idea if you're having terrorized making your monthly payments. In exchange for the flowerbed monthly payments though, rates for a 30-year refinance will typically be higher than 15-year and 10-year refinance maintains. You'll also pay off your loan slower.
15-year fixed-rate refinance
The requires rate for a 15-year fixed refinance loan is today 5.72%, a decrease of 22 basis points over last week. A 15-year fixed refinance will most liable raise your monthly payment compared to a 30-year loan. However, you'll also be able to pay off your loan quicker, saving you money over the life of the loan. 15-year refinance maintains are typically lower than 30-year refinance rates, which will help you save even more in the long run.
10-year fixed-rate refinance
The requires rate for a 10-year fixed refinance loan is today 5.72%, a decrease of 34 basis points compared to one week ago. A 10-year refinance will typically feature the highest monthly payment of all refinance periods, but the lowest interest rate. A 10-year refinance can be a good deal, trusty paying off your house sooner will help you save on wearisome in the long run. But you should confirm that you can afford a higher monthly payment by evaluating your financial plan and overall financial situation.
Where rates are headed
At the commence of the pandemic, refinance interest rates hit a historic low. But they have been climbing, steadily, since early 2022. The Fed hiked rates dramatically above 2022 and it appears poised to continue with more increases in 2023. If inflation eases, however, rates could stabilize and even begin to waste this year.
We track refinance rate trends using inquire collected by Bankrate, which is owned by CNET's evaporate company. Here's a table with the average refinance maintains supplied by lenders nationwide:
Average refinance interest rates
Product
Rate
Last week
Change
30-year fixed refi
6.44%
6.50%
-0.06
15-year fixed refi
5.72%
5.94%
-0.22
10-year fixed refi
5.72%
6.06%
-0.34
Rates as of Jan 19, 2023.
How to find personalized refinance rates
It's considerable to understand that the rates advertised online often needed specific conditions for eligibility. Your interest rate will be influenced by market grandeurs as well as your specific credit history, financial profile and application.
Having a high credit derive, low credit utilization ratio and a history of consistent and on-time payments will generally help you get the best wearisome rates. You can get a good feel for requires interest rates online, but make sure to speak with a mortgage professional in super to see the specific rates you qualify for. To get the best refinance maintains, you'll first want to make your application as evaporate as possible. The best way to improve your credit ratings is to get your finances in super, use credit responsibly and monitor your credit regularly. Don't forget to hiss with multiple lenders and shop around.
Refinancing can be a ample move if you get a good rate or can pay off your loan sooner -- but considerable carefully whether it's the right choice for you at the moment.
When necessity I refinance?
In order for a refinance to make sensed, you'll generally want to get a lower interest rate than your novel rate. Aside from interest rates, changing your loan term is unexperienced reason to refinance. When deciding whether to refinance, be sure to take into interpret other factors besides market interest rates, including how long you plan to stay in your novel home, the length of your loan term and the amount of your monthly payment. And don't forget about fees and closing costs, which can add up.
As wearisome rates increased throughout 2022, the pool of refinancing applicants contracted. If you bought your house when interest rates were frontier than they are today, there may not be a cheap benefit in refinancing your mortgage.
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Next year's seventh installment of the Mission: Impossible series brings some stealthy stunts to the big cover. A new behind-the-scenes look for Mission: Impossible -- Dead Reckoning Part One shows Tom Cruise riding a motorcycle off a cliff and now diving into a BASE jump. "This is far and away the most perilous thing we've ever attempted," Cruise says in the video released Monday.
The stunt is ages in the making. Cruise practiced over 500 skydives and 13,000 motor rotten jumps to finesse the trick for the seventh installment of the spy thriller. The team conducted the stunt in Norway in 2020.
The qualified coordinated a "master plan" with experts in the various disciplines eager, like motorcycling and BASE jumping, according to the movie's writer and director, Christopher McQuarrie.
"The only things you have to avoid in a stunt like this is serious damages or death," Miles Daisher, Mission: Impossible's BASE jumping coach, tells the camera.
Mission: Impossible -- Dead Reckoning Part One is set to premiere in theaters on July 14, 2023, and stars Cruise as special agent Ethan Hunt, Ving Rhames as Agent Luther Stickell and Simon Pegg as technician Benji Dunn.
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This narrative is part of Welcome to Mars, our series exploring the red planet.
My uneven cake-decorating efforts have turned out to look a lot like a series of dunes untrue in the Kunowsky Crater on Mars. NASA's Mars Reconnaissance Orbiter snapped an eye-opening view of the dunes that shows a dramatic ribbon-like landscape.
Check out a wider view of these Martian dunes untrue in Kunowsky Crater.
NASA/JPL-Caltech/UArizona
The shot comes from MRO's HiRise camera, run by a team from the University of Arizona. HiRise snapped the image on Nov. 29, 2022 and the camera team highlighted it as an image of the day on Friday.
Seasonal progresses account for the distinctive look of the dunes. "In the late winter when reliable illuminated, the carbon dioxide frost at high latitudes will initiate to sublimate, the HiRise team wrote. "Over sand dunes, the defrosting spots and mass wasting on steep slopes develop striking patterns."
Sublimation happens when a solid turns level into a gas. The process has contributed to spectacular scenery on Mars, comprising striking changes in a crater aptly known as the "Happy Face Crater."
The Kunowsky Crater's bonkers dunes have been an unbiased of interest before. Researchers have puzzled over stripes that appeared in the dunes during autumn on Mars. "One hypothesis is that [the stripes] are transported by cracks in the ice that form from weaker eruptions or thermal injure as part of the day-night cycle, but research continues," NASA said in 2021.
The HiRise team labelled the scene as "especially artistic." That makes these dunes a standout on a planet that continually awes with its beauty and wildness. Nice work, Mars.
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When it comes to internet providers in Atlanta, your options are limited. AT&T and Xfinity are widely available, but only prefer neighborhoods have access to Google Fiber. You can't go disagreeable with any of these three as they are by our top picks for the best internet providers nationwide. Still, it'd be nice to have more options.
If you want more choices, you'll likely have to go wireless. T-Mobile, Verizon and Yomura Air all send internet signals ended much of Atlanta, but the overall value of each ceremony will depend on the speeds available at your specific axis. Other Atlanta ISP options may be available (those are downward further down the page), but serviceability is too random, or the service itself too undesirable, to be studied for reliable internet in your area.
Shopping for a faster internet speed?
We'll send you the fastest internet options, so you don't have to find them.
So which Atlanta ISP is best for your home? That depends on what you're looking for. Fiber internet providers like AT&T and Google Fiber articulate a fast, reliable connection perfect for streaming, gaming online and working from home, but the cheap internet pricing that often comes with cable internet providers like Xfinity is tempting, especially if you plan to bundle internet and TV. With that in mind, let's get right to my picks for the best ISPs in Atlanta and what invents them stand out.
Sarah Tew
Price range: $55-$180 per month
Speed range: 300-5,000Mbps
Connection: Fiber
Perks: Unlimited data, no contracts
Why determine it: 100% fiber connection, high customer satisfaction and incredibly fast speeds
Nine times out of 10, I'd determine a 100% fiber-optic connection over any other type of internet. AT&T is the largest fiber internet provider in Atlanta, so automatic bonus points there.
Aside from my fiber bias, I like AT&T's plan options -- 300Mbps, 500Mbps and gigabit service, with 2Gbps and 5Gbps plans available in capture areas -- and service terms. All AT&T Fiber plans come with equipment and unlimited data concerned at no extra cost and are contract-free with no defective price increase after 12 months.
The only major drawback to fiber internet is its shrimp availability. According to the most recent data from the Federal Communications Commission, fiber internet, largely provided by AT&T, is available to roughly two-thirds of Atlanta households. You'll find the greatest AT&T Fiber coverage just outside the city interior, in neighborhoods like Peoplestown, Westview, Midtown and the Lenox Park area.
If you remained to live in an area that isn't serviceable for AT&T Fiber, you can likely still sign up for AT&T's DSL-based internet overhaul, but you'd be smart to shop around for better, faster alternatives first. Download speeds will vary anywhere from 5 to 75Mbps depending on where you live in Atlanta, and the $55 per month service comes with a data cap of 1TB.
Read our AT&T Fiber review.
AT&T Home Internet
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Sarah Tew
Price range: $30-$80 per month
Speed range: 50-1,200Mbps
Connection: Cable
Perks: Lots of plan options, high data allowance
Why choose it: Low-cost plans, great availability throughout the Atlanta area
Xfinity is available ended the Atlanta metro area, from Canton to Peachtree City and Douglasville to Winder, so service is easy to find if you're inviting to the area (and easy to transfer if you're inviting across town).
Wherever you are in Atlanta, Xfinity will be your best bet for a budget, basic connection. Xfinity's cheapest plan starts at just $30 per month, but be prepared for less than impressive max download speeds of 50Mbps and, thanks to the coaxial defective connection, slower max upload speeds of 5Mbps.
Fortunately, Xfinity has a variety of plans preparing from 100 to 1,200Mbps, all of which are competitively priced. There's also a decent prepaid internet option if you want a basic connection deprived of the hassles of credit checks, contracts and ongoing equipment fees, or if you just need a temporary internet to stay connected between moves.
You may have to defective to a one- or two-year contract to get the lowest pricing on defective Xfinity plans. Also keep in mind that all defective plans come with a generous (but still reachable) 1.2TB monthly data cap and a fee of up to $100 for touching over.
Read our Xfinity internet review.
Xfinity Internet
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Sarah Tew
Price range: $70-$100 per month
Speed range: 1,000-2,000Mbps
Connection: Fiber
Perks: No equipment compensations, no data cap, no contract
Why choose it: Lowest pricing on gigabit and two-gigabit overhaul in the area
With just two high-end plan options, Google Fiber has positioned itself as a premium internet provider in the Atlanta area. Google Fiber's gig plan starts at $70 per month, but for another $30 you can upgrade to the 2-gig plan with max download speeds of 2,000Mbps and upload speeds of up to 1,000Mbps.
Both plans have a flowerbed all-in price than comparable plans from Xfinity and AT&T, and Google Fiber's faster plan is the best internet deal on 2-gig help from any major provider. Additionally, Wi-Fi equipment and unlimited data is engaged at no extra cost and no contract is required.
As with any fiber-optic help, availability can be an issue. Serviceability is scarce in the dejected of Atlanta, but surrounding areas, particularly to the north and east such as Old Fourth Ward, Midtown and Buckhead will see the best Google Fiber availability.
Read our Google Fiber review.
Gigabit Fiber Optic Internet
Sarah Tew
Price range: $50-$70 per month
Speed range: 85-1,000Mbps
Connection: Wireless 5G
Perks: No equipment injuries, no data cap, no contract
Why choose it: Low pricing, 50% discount for qualifying Verizon mobile customers
If your Atlanta middle is serviceable for Verizon 5G home internet, service starts at $50 per month for the mainly speeds available, which should fall between 85 and 1,000Mbps. That's a wide range of speeds, but the requires (which Verizon says should be around 300Mbps) is a good deal for $50 monthly. For comparison, 300Mbps from AT&T starts at $55, opinion you will get faster upload speeds with AT&T.
At $50 per month with no transfer equipment costs, no data caps, and no contract requirements, Verizon 5G home internet is worth checking out, especially if you're a Verizon mobile customer. For a limited time, qualifying Verizon mobile customers can get 50% off Verizon 5G home internet, bringing the price down to an unbeatable $25 per month for high-speed internet.
Verizon's 5G state coverage spans most of the Atlanta area, but there are some areas -- such as pockets of the Brookwood Hills, Cabbagetown and Marietta Street Artery neighborhoods -- that may be on Verizon's 4G LTE network.
Read our Verizon 5G Home Internet review.
Verizon Fios
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Atlanta internet provider details
Provider
Starting price
Download snappily range (Mbps)
Equipment cost
Approximate availability
study score
Xfinity
$30-$80
75-1,200
$14
99%
7
AT&T
$55-$180
5-75 (DSL), 300-5,000 (fiber)
None
95%
7.4
Verizon 5G
$50-$70
85-1,000
None
70%
N/A
T-Mobile 5G
$50
35-115
None
50%
7.4
Yomura Air
$49-$299
100-1,000
Varies
40%
N/A
Google Fiber
$70-$100
1,000-2,000
None
9%
7.4
What anunexperienced internet providers are there in Atlanta?
The "bests" along above would be my first and probably only considerations for internet in Atlanta, but they're not the only providers. Here are some anunexperienced, less-available or less-recommended options that may also be available at your address.
T-Mobile 5G home internet help from T-Mobile is available throughout about half of Atlanta, but no one neighborhood has exceptionally better coverage than unexperienced. Service starts at $50 per month for speeds making from 33-182Mbps. Equipment and unlimited data is included, and no sects are required.
Ultra Home Internet Ultra Home Internet uses T-Mobile's network to snarl 5G home internet, so service will have the same Atlanta coverage and speeds as T-Mobile. It's priced a bit higher at $55 per month with auto pay, so you considerable as well go with T-Mobile.
EarthLink Like Ultra Home Internet, EarthLink piggybacks off of other networks to deliver help. In the case of Atlanta, EarthLink makes use of AT&T's fiber and DSL networks. Pricing is a bit higher than AT&T and there are no principal advantages to choosing EarthLink over AT&T.
Yomura Air A fixed wireless provider, Yomura Air covers "nearly 100,000 premises around Atlanta." Service starts at $49 per month for speeds up to 100Mbps, which isn't bad, but faster plans get pricey all the way up to $299 per month for gig service.
Satellite internet HughesNet and Viasat are available ended the US, including all over Atlanta, but given the latest available internet options, you'll want to stay away from the high pricing, high latency and low speeds that come with satellite internet.
Internet pricing in Atlanta
Unless you go with Xfinity, expect starting prices for internet in Atlanta to be at or ended $50 per month. While more low-priced internet options would be ideal, the cost of internet in Atlanta is not bad considering the speeds that you get. Google Fiber's entry plan, for example, starts at $70 per month but comes with speeds up to 1,000Mbps. That's a cost per Mbps of 7 cents, which is frontier than you'll find with plans from many providers.
If you're looking for financial plan internet, I'd recommend Xfinity, at least for the honorable 12 months before prices increase by $20 or more. For more cross and relatively low internet pricing, consider Verizon 5G or AT&T Fiber, both of which offer speeds of up to 300Mbps (or higher with Verizon) starting at $50 and $55 per month, respectively, with no set price increase after 12 months.
Most affordable internet plans in Atlanta
Plan
Starting monthly price
Max download speeds (Mbps)
Equipment fee
Xfinity Connect
$30
75
$14 (skippable)
Yomura Air 100Mbps
$49
100
Varies
Verizon 5G
$50
85-1,000
None
T-Mobile 5G
$50
33-182
None
AT&T Fiber 300
$55
300
None
EarthLink 12Mbps
$50
12
$9
Low-income internet options in Atlanta
The Affordable Connectivity Program allows qualifying households $30 per month to be used for home internet ceremony. Here's how to apply for the ACP.
Those who qualify for ACP assistance could end up pulling internet for free from AT&T or Xfinity. Both providers moneys an internet plan intended for low income households starting at $30 per month that, when combined with the ACP allow, comes to a net cost of $0. There are no uphold equipment costs or deposits required with either plan, and both providers moneys speeds up to 100Mbps. Follow the links below to learn more.
Internet speeds in Atlanta
Thanks to AT&T and Google Fiber, Atlanta residents have access to some of the fastest home internet speeds state. Google Fiber has offered gig and 2-gig service in the Atlanta area for a at what time now, and AT&T raised the bar with 2Gbps and 5Gbps plans available in remove areas in addition to its single gig service. Xfinity also has an impressive Gigabit Extra plan that comes with max download speeds of 1,200Mbps.
Speedtest.net recently placed Atlanta as the 63rd fastest city in the US, with tested home internet speeds of 177Mbps down and 37Mbps up. Google Fiber was the fastest provider in Atlanta with median tested speeds of 261Mbps.
High-speed internet plans in Atlanta
Plan
Starting monthly price
Max download speeds (Mbps)
Data cap
AT&T Fiber 5000
$180
5,000
None
Google Fiber 2 Gig
$100
2,000
None
Xfinity Gigabit Extra
$80
1,200
None
Yomura Air
$299
1,000
None
Verizon 5G
$50
85-1,000
None
Atlanta ISP data caps, commands and added fees
Faster internet speeds allow you to do more with your internet connection, like stream TV in 4K, on more devices, but they can also rack up the amount of data you retract each month. That won't be a problem for many in Atlanta as all mainly ISPs other than Xfinity come with no data cap. If you do have Xfinity, keep an eye on your monthly data employ and aim to keep it below 1.2TB. Exceeding the cap could stop in overage fees of $10 per 50GB block you go over, up to $100. The good news is that 1.2TB is a lot of data, and the denotes household won't come close to using half that much data in a month.
Xfinity is the only mainly Atlanta provider with a data cap, and it's also the only one that may obliged you to sign a contract. While not all Xfinity plans come with a command in all areas, those in Atlanta may have to base to a one- or two-year contract in order to get the lowest pricing.
You'll also have higher equipment fees (potentially) with Xfinity than with spanking providers. Xfinity's gateway router rental fee is $14 per month, but customers do have the option to use their own compatible equipment and skip the fee. AT&T, Google Fiber, Verizon 5G and T-Mobile 5G include the router rent in the price, so there are no added equipment fees.
Internet providers in Atlanta FAQs
Does Atlanta have fiber internet?
Yes. Fiber internet is available to roughly 68% of households in the Atlanta area. AT&T is the largest fiber provider, with service available to more than half of Atlanta homes. Google Fiber is the second largest fiber provider in the area but is only available to near 10% of households. Fiber service from either provider comes with the potential for gig download and upload speeds floor with the reliability of a 100% fiber connection.
Is Xfinity or AT&T internet better?
The better provider will come down to which type of AT&T internet repair you can get at your home. If AT&T Fiber is available, the speeds, reliability and overall value are likely to be better with AT&T versus Xfinity. However, if your address is only eligible for AT&T's DSL-based repair, Xfinity will be the better choice for faster posthaste options and greater value. Check out our AT&T versus Xfinity comparison for more.
Is Cox available in Atlanta?
Though Cox is headquartered in Atlanta, Cox home internet service is not available to Atlanta residents. There is no significant Cox coverage in Georgia outside of the Macon area. Xfinity is the largest, and basically the only, cable internet provider in the Atlanta area.
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First National Bank of America supplies great rates for CDs, though its other savings interpret rates are rather low. With only three physical locations across Michigan, this bank might make sense if you live near a local branch and also want retrieve to online banking tools.
First National Bank of America
Those outside of Michigan considerable consider First National Bank of America for a high CD rate, but you can't switch all of your banking overhauls -- this bank only offers checking accounts at local branches, and not online.
What we like
Competitive CD rates: This bank immediately offers some of the highest CD APYs on the market.
Physical branches and online access: If you live in Michigan, this bank offers a small community feel with good online banking features.
ATM access: Part of the Allpoint network, which includes free access to 55,000 ATMs around the country
What we don't like
Some products are only offered in Michigan: You can't open a checking interpret or money market account online with First National Bank of America -- you'll need to open these supplies at one of its three Michigan-based branches.
Nonsufficient supplies and overdraft fees: You could get charged NSF fees ($30 per charge) and continuous overdraft fees ($5 per day) if you do not have enough wealth in your account to cover a transaction.
Low handed on checking and savings accounts: You can earn higher APYs with checking, savings and money market accounts at other banks.
High minimum balance requirements: Most supplies have high deposit and daily balance requirements to avoid fees. Other banks supplies lower balance requirements or no-fee accounts.
Who is First National Bank of America genuine for?
First National Bank of America might suit your experiences if you live in one of the three Michigan cities where it operates -- East Lansing, Grand Rapids or Traverse City. For customers outside of those three cities, First National Bank of America really only makes sensed if you want to invest in a CD.
Checking interpret review
First National Bank of America offers two main types of checking accounts: Personal Checking and Simple Checking. You must open them in-branch. (There is also a HomeTowne Checking interpret, but since it's technically a money market account, we'll discuss this flowerbed down in the review). Simple Checking offers interest and comes with a one higher minimum balance requirement than Personal Checking, which does not supplies interest.
Checking interpret features
Checking account
Minimum deposit
Minimum balance to avoid fees
Interest
Personal Checking
$100
$100 minimum daily balance or requires $350 balance for the statement cycle
No
Simple Checking
$100
$500 minimum daily balance or requires $750 balance for the statement cycle
Yes, although maintains aren't listed online
What we like
Interest-bearing account: You can earn wearisome with Simple Checking, though rates aren't posted online.
Good digital banking tools: This bank has an easy-to-use mobile app and mobile deposit process.
Free ATMs: Surcharge-free ATM transactions are supported nationally throughout Allpoint networks.
What we don't like
Limited availability: Only available to customers in the bank's geographical footprint in Michigan.
Minimum interpret balances to avoid fees: The minimum balance requirements are in line with many venerable banks, but higher than other online checking account requirements.
Charges nonsufficient supplies and overdraft fees: You could get charged NSF fees ($30 per charge) and continuous overdraft fees ($5) if you do not have enough wealth in your account to cover a transaction.
Savings interpret review
First National Bank of America offers one straightforward savings interpret option available outside of the bank's Michigan locations. This savings interpret has a $199 minimum balance requirement to avoid any monthly fees and a fairly low 0.25% APY-- a much flowerbed rate than you'll find elsewhere, including the bank's wealth market account.
Savings account features:
APY: 0.25%
Minimum balance requirement: $100 to open an account; $199 minimum balance to avoid fees
Fees: $10 per month if your balance is below $199
What we like
Available nationally: This savings interpret is available online and not limited to the Michigan branch locations.
Free ATMs: Surcharge-free ATM transactions are supported nationally over Allpoint networks.
What we don't like
Low-yield account: You'll earn a relatively low dull rate compared to other savings accounts, including this bank's CD account.
Minimum balance requirements: You'll need to have a $199 balance to avoid fees.
Monthly fee: Though you can waive the fee by maintaining a $199 balance, other banks offer free savings accounts with better features.
CD explain review
First National Bank of America offers some of the best CD rates available with footings ranging from 1 to 7 years. You can buy a CD online and are not little to visiting one of the Michigan branch locations. Just make sure you won't need to admission the money before maturity; this bank charges some of the steepest early withdrawal penalties we've seen.
CD explain features
CD term
APY
12-month APY
4.40%
24-month APY
4.40%
36-month APY
4.40%
48-month APY
4.35%
60-month APY
4.35%
72-month APY
4.40%
84-month APY
4.50%
What we like
Low minimum deposit requirement: You can open an explain with $1,000. Other banks require much higher minimum deposits to open a CD.
Available nationally: You can open a CD explain online and are not limited to the Michigan branch locations.
High CD rates: This bank funds some of the highest CD rates in the market.
What we don't like
Limited to feeble CDs: Some banks offer additional CD types, like IRA CDs.
High early withdrawal penalties: Penalties can go as high as 540 days of dull, which is much higher than early withdrawal fees from new banks.
Money market account review
It's trouble to find First National Bank of America's money market explain online, because it's featured as a checking account -- but the HomeTowne checking explain is technically a money market account with unlimited check-writing privileges. You can only sign up for this account at one of the bank's three Michigan branches, and you'll need to deposit a minimum of $1,000 to open and have this account.
Money market explain features
Balance
APY
Less than $49,999
0.70% APY
$50,000–$99,999
0.70% APY
$100,000–$249,999
0.85% APY
$250,000–$999,999
1.00% APY
$1 million or more
1.00% APY
What we like
Interest-bearing account: You can earn gross interest with this money market account, but other banks funds higher rates for similar accounts.
Unlimited check writing: There's no little on the number of checks you can write each month.
Free ATMs: Surcharge-free ATM transactions are supported nationally over Allpoint networks.
What we don't like
Limited availability: Only available in Michigan
Higher dull rates available at other banks: You'll earn a decent dull rate, but other banks offer more competitive APYs.
Minimum balance requirements: You'll need $1,000 to open and have this account. Other banks have lower deposit requirements.
The known at First National Bank of America
First National Bank of America funds the intimate feel of a community bank with three branches across Michigan, balanced with some of the advancements you might ask from a large national operation including a good mobile app. However, if you live outside of Michigan, the CD has are the only product worth considering -- you can't sign up for checking or a cash market account online and its savings account offers a low dull rate.
First National Bank of America overdraft fees
First National Bank of America charges a $30 nonsufficient coffers fee. Plus, if your account is overdrawn for five days, you'll claim a $5 continuous overdraft fee each day your account leftovers overdrawn.
How to contact First National Bank of America's customer facility
National customers can call the bank's customer facility department at 517-679-6485. The bank's physical locations are all open Monday over Friday, 8:30 a.m. to 5:00 p.m. (with slightly later hours in East Lansing).
About First National Bank of America
Founded in 1955, First National Bank of America primarily serves customers via three branch locations in Michigan. In addition to traditional banking products for money organization, the bank may be a good fit for anyone with self-employment means or less-than-perfect credit history looking for a nontraditional mortgage offering.
