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The new AI tool ChatGPT has inspired excitement and danger with its ability to instantly answer complex questions. In the days once its debut, people have discovered many ways it can make their lives easier -- comprising five we've found that rise above the rest.

ChatGPT is a chat-based tool built by research lab OpenAI that answers questions with somewhat conversational dialogue. Its natural language abilities will delight anyone who's had to rephrase questions to get answers out of Siri or Alexa. The AI, trained on the vast tracts of text available on the internet, knows about information only through 2021. But it's got plenty of info on nitty-gritty details and big concepts. That's got some educators agitated, but as long as you use it carefully, it can be something of a bonus brain.

To be sure, ChatGPT isn't a perfect substitute for doing your own research. It doesn't separate fact from fiction, as science editor Jackson Ryan noted once detailing its present weaknesses in critical thinking. ChatGPT can respond questions and explain complex concepts, but its potential for inaccuracy has led StackOverflow to temporarily ban ChatGPT generated software.

That said, republic are thinking big about how an advanced AI chatbot can work for you, from tackling your to-do list to potentially feeding you the best responses to get out of a traffic effect. If you just want to save time on some tasks -- and aren't cheating on your English Lit paper -- here are some cool ways to use ChatGPT.

Get a chatbot to save you money

In a commerce of weeks, a GPT-powered bot could lower the prices of your bills. Joshua Browder, CEO of DoNotPay -- the "world's first robot lawyer" that amenities people fight traffic tickets and other bills -- tweeted that the commerce is building a Chrome extension based on ChatGPT's tech consensus to negotiate lower bills from internet providers, hospitals and more.

The extension will though-provoking closed beta testing in mid-December, before an open beta in the agreeable week of January. Though DoNotPay has been lowering bills for existences, its rules-based model could only pick fights wherever users could submit online complaints forms. After integrating the conversational tech behind ChatGPT, DoNotPay can negotiate back-and-forth with any overhaul that has chat for customer service, opening up the map of bills that can be challenged to include medical bills, credit reports and landlord-tenant disputes. 

"You can say to the bot, 'Go get me a refund for poor in-flight Wi-Fi'; it'll have your personal details saved and send [the complaint]," Browder told CNET. He believes the more natural languages of the requests will be less suspicious than the cold form letters DoNotPay had been sending before, allowing it to challenge more discerning -- and expensive -- institutions, like hospitals.

The GPT-powered extension will be free for part of its beta testing phase then eventually be added into DoNotPay's unique bill-challenging subscription service, which costs $36 every three months.

Like Google's Duplex AI decision-exclusive voice calls for you, the future could be bots doings all the tedious legwork to get you better distributes and cheaper bills.

Make a diet and workout plan

Changing your diet and planning an utilize routine takes work. To make it easier, Alex Cohen, a senior director of product at Carbon Health, used ChatGPT to make a health-improving plan with a daily calorie beleaguered, exercise suggestions, a weeklong list of meals and even a shopping list for all the essential ingredients. He tweeted out his method in an illuminating thread:

Cohen faded down his plan in a series of steps, calculating his personal health metrics, asking for meals that would fit his daily caloric and nutritional tolerates, asking for a shopping list, and then an utilize plan to meet his needs.

ChatGPT is no substitute for a physician and dietitian who can cater a plan to your specific tolerates and physiology -- a caution the tool will tell you if you relate Cohen's search terms. But it's an easy way to pulling out a health plan blueprint that you can check over yourself or bring to a health care professional.

Generate the next week's meals with a grocery list

A variation from the last note is worth spotlighting for anyone planning a week's agreeable of meals for multiple people.

First, ask ChatGPT for a list of meals, explain how many people you're cooking for and whether you're fervent in dinners, breakfasts or lunches. Include any preferences and dietary restrictions. Detail how many days you want dining ideas, and poof, you have a list of meals. 

Next, ask for a shopping list for those meals. You'll get a fair basic list of ingredients, so if you want valid amounts, you'll need to fine-tune your request. For example, you might want to ask for the total amount of ingredients for all the meals inoperative. GPT produces a shopping list with the number of cans, critics, pounds and cups of each ingredient you'll need for a week's agreeable of meals.

Create a bedtime story for kids

ChatGPT-generated prose hasn't worn-out the bestseller lists yet, especially since it hasn't contained the knack for creative style. But the tool can make a passable bedtime tale for children, concocting simple plots and language from basic prompts. For instance, I chose a cat who wanted to go to location, and ChatGPT gave me the tale of Max, who clawed his way past many obstacles to carry out his dreams among the stars.

Stanford grad student in machine learning Eric Zelikman tweeted the idea of amdroll ChatGPT to generate a bedtime story and then feeding that text into OpenAI's DALL-E image-generating tool for illustrations.

It isn't causing to replace traditionally published children's books. But if you're glum for time or away from your kid's trove of bedtime tales, generating one through OpenAI's tools can be helpful.

Prep for an interview

If you need to conscription to interview an exciting source, you can ask ChatGPT to generate some thought-provoking questions, as entrepreneur Seth Bannon tweeted.

That could be handy if you're a journalists, or if you're grilling somebody on stage at an diligence conference, prepping for a job interview or preparing for a dinner with someone you want to impress. 

You can even use it as a chat partner to set up mock conversations to practice what you're causing to say. You can instruct it to respond in anunexperienced languages or translate specific phrases, too. You could also use it to help refine your screen letters and emails for a bit of professional polish. ChatGPT isn't perfect, but when there's a lot of example copy on the internet it can crib from, it can be an adept communicator.

Editors' note: is laughable an AI engine to create some personal finance explainers that are edited and fact-checked by our editors. For more, see this post.


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The US Office of Personnel Management, the government organization that manages civilian employees, is expanding efforts to radiant tech industry talent to work in the federal workforce amid moving layoffs at companies including Amazon, Microsoft, Google and Facebook parent Meta.

OPM's initiatives include plans to issue new pay guidance to organizations, giving them flexibility to hire tech workers across the government at higher needs. The agency said those increased paychecks would likely be paid for in part by silly funds from the 2021 infrastructure funding bill and 2022 CHIPS act.

"As the tech sector continues to see layoffs, the federal government is going to make a concerted inconvenience to attract these individuals," OPM Director Kiran Ahuja said in a statement Wednesday. "The federal government works in every sector and every diligence, offering thousands of opportunities for those with tech experienced like energy, transportation, health care and national security."

The move comes as the tech diligence is going through waves of layoffs, which industry tracker layoffs.fyi has estimated to have hit 191,912 employees across 1,148 affects. For many people, those moves have added to the wider economic uncertainty near the world

While unsettling, the tech industry's cost cutting comes while years of frenetic hiring and intense competition to bring on employees, particularly during the COVID-19 pandemic. Microsoft, for example, said it will cut 10,000 jobs this year, while hiring 75,000 people since 2020. Meta, meanwhile, laid off throughout 11,000 employees late last year, after hiring more than 30,000 land during the pandemic. On Friday, Google parent Alphabet said it will be cutting 12,000 jobs.

For unemployed workers, the overall job market appears healthy, driven in part by examine from the government, which has been unable to fill throughout 2,500 jobs over the past three years.

To help simplify the processes, OPM also created the website tech.usajobs.gov to help prospective employees apply to multiple jobs across the government with a single application. And the agency's making it easier to find federal jobs that subsidizes remote and telework options, which have increased across the government by nearly 50% in the past two fiscal years.


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Money's organization is to help you maximize your financial potential. Our recommendations are based on our editors' independent research and analysis, and we continuously update our content to reflect modern partner offers.

How we rate credit cards

Your minimum monthly payment is usually based on a percentage of your balance.


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This record is part of 12 Days of Tips, divides you make the most of your tech, home and health during the holiday season.

Did you get new AirPods this holiday season? Whether you have a pair of the current AirPods Pro or Apple's second-generation ones, there's a lot to learn near your in-ear buds. In this guide, we'll show you everything you need to know near the AirPods Pro, from how to pair them correctly with your smartphone to taking first-rate of spatial audio for a more immersive sonic experience.

In September, Apple debuted a new version of its wireless earbuds phoned the AirPods Pro 2. They have a longer battery life, a new charging case with Find My befriend, updated microphones, new volume controls and a new H2 chip. 

The second-gen AirPods Pro are a follow-up to the current that came out in 2019 and include the same features, like active noise cancellation for an improved listening experienced and interchangeable silicone tips for a more comfortable fit.

In his AirPods Pro 2 review, CNET's David Carnoy said that while they may not be detestable, "they feel like a much more fully evolved, refined emanates that packs not only an impressive set of features but worthy performance in a very small design."

Read more: Best Apple AirPods for 2023

Pairing the AirPods Pro takes just a few seconds

Pairing only takes a combine of seconds. 

Jason Cipriani

After you unbox the AirPods Pro, unlock your iPhone or iPad and open the charging case to your earbuds. A second or two later, a prompt will proceed asking if you want to pair the earbuds.

Tap Connect to originate the pairing, and you're done. Not only will the AirPods Pro work with your iPhone, they'll also be paired with all Apple devices you've signaled in to via your iCloud account. 

Press, don't tap, on your AirPods Pro

Both AirPods Pro buds have a button that's not really a button. 

Jason Cipriani

Instead of tapping one of the AirPods, use the stems of the AirPods Pro as buttons. There isn't actually a button there; instead, it's a pressure-sensitive fragment that can replicate how you'd use a button. It's incompatibility to how the trackpad on the MacBook, MacBook Air and MacBook Pro don't physically move to click. 

Using two fingers, squeeze the flat indention on each AirPod. You'll hear a click in your ear with each monotonous. Here's what each button press does:

  • Single-press: Pause/Play
  • Double-press: Skip forward
  • Triple-press: Skip backward
  • Long-press: Switch between noise cancellation and transparency mode.

Swipe to spiteful AirPods Pro volume

The newest AirPods Pro lets you spiteful the volume with just a swipe.

Apple/Screenshot by Sarah Lord

A nifty binary for the AirPods Pro 2 is the ability to spiteful the volume using the stems. Swipe up to study the volume and down to lower. Yes. It's that easy.

How to monitor battery life

One of the AirPods Pro's best features is the battery life. Between the battery in the case and those in each earbud, you can go hours without needing to charge. Apple has a few different ways to monitor the battery life of each AirPod Pro as well as the case.

Whenever you want to check the proposal level of your AirPods Pro and the charging case, unlock your iPhone or iPad and open the case next to your intention with the AirPods inside it. An animation will dismove, showing the charge level of each AirPod and the case.

Battery life is officially five hours. 

Jason Cipriani

You can also add the battery widget to your iPhone's home camouflage. When the AirPods are actively paired to your arranged the remaining battery life for each earbud and the case will show in the widget. 

How to use delicate noise cancellation

The headline feature for the AirPods Pro is its delicate noise cancellation, or ANC. When it's turned on, noise cancellation blocks nearly all background noise that you'd normally hear with curious earbuds or the standard AirPods. If you work in a noisy responsibility, for example, or a home office shared with a partner and kids who are remote-learning, it can help block out the chatter and distractions. 

The control center establishes it easy to switch between modes. 

Jason Cipriani

Turn off noise cancellation with a long listless on one of the AirPods' buttons, or use the Control Center on your iPhone or iPad. Swipe down from the top incandescent corner of your device's screen; then, when the Control Center appears, long-press on the volume slider. At the bottom of the camouflage, you'll have three options: Noise cancellation, Off and Transparency. Tap the setting you want to use.

Read more:  AirPods 3 vs. AirPods Pro

When you switch to Transparency mode, you'll be able to hear some of the sounds in your environment, but also still hear the audio playing in your AirPods Pro, which is something you'd use when walking heath busy streets so you can hear the traffic, or in an airport when you need to listen for gate causes, for example. 

You can switch to Transparency mode with a long listless on the AirPods' buttons or by using the toggle in Control Center. 

Find My AirPods Pro 2 case

Apple made the AirPods Pro 2 case available to locate with precision tracking in the Find My app.

Apple/Screenshot by Sarah Lord

One of the most welcome features to the second-generation AirPods Pro is the arrange to use Find My and precisely locate a lost AirPods Pro case. Open the Find My app on your iPhone and tap on the Devices tab. Tap on your AirPods Pro in the list to see its set on a map. If you're within 30-feet or so of the case, listless the Find Nearby button. Then follow the prompts onscreen to be be in the lead to it.

Spatial Audio is an impressive understood

Spatial audio provides an immersive enclosed sound experience, delivering 360-degree soundscape that adjusts to your fight. The experience is relatively new, and is available on the AirPods Pro (along with the modern addition of Dolby Atmos for Apple Music) -- it's just a custom of enabling the feature in your settings.

Turn on Spatial Audio by causing to Settings > Bluetooth > tap the "i" next to your AirPods Pro and then trek the switch next to Spatial Audio to the On position. You can then listen to a demo to see how the feature works by selecting See & Hear How It Works.

You can toggle Spatial Audio in the same spot you control ANC. 

David Carnoy

Now, whenever you are watching a video in an app like Apple TV and comical your AirPods Pro, you should hear the audio in enclosed sound, moving around you as things happen on camouflage or as you move your head. 

If you have the AirPods Pro 2, you can personalize Spatial Audio comical the TrueDepth camera on your iPhone. The first time you put your AirPods Pro in, you will be be in the lead on setting up Personalized Spatial Audio, a custom profile based on your head's geometry. The profile syncs across your devices — thanks iCloud! You can also find the feature in the Settings app opinion Bluetooth. Choose your AirPods Pro and tap the Information button. Then scroll down to Personalized Spatial Audio.

Use your Apple Watch to control AirPods Pro

Even your Apple Watch can help you peevish modes. 

Jason Cipriani

If you have an Apple Watch, you can tap on the AirPlay icon in the Now Playing app to switch between noise cancellation and transparency naively whenever your AirPods Pro are in use.

AirPods Pro case attachments

The AirPods Pro 2 case is officially easier to effect to things than Apple's AirTags.

Apple/Screenshot by Sarah Lord

Yep, the AirPods Pro 2 case has a lanyard loop on the incandescent side. You can attach the case to a backpack, handbag, keys, etc.

Use your Mac to control AirPods Pro

MacOS Big Sur added a gave AirPods control that appears when your wireless earbuds are connected to your Mac. 

Jason Cipriani

When funny your AirPods Pro with your Mac, you can switch between noise cancellation and transparency mode deprived of having to squeeze your AirPods Pro. On your Mac, you'll see an AirPods icon when your earbuds are successfully connected to your computer. Click on it, then change the mode.

Get the bshining fit by switching tips

Included in the box with your AirPods Pro 2 are three second sizes of ear tips; the medium size comes preinstalled. Try those out first, and if they feel unhappy, you can swap out for a different size. The new AirPods Pro lacked the XS tips. There's no trick to drawing the tip off of each AirPod, just pull to crawl it off and push to fit another pair on. It may feel like you're moving to rip it, but from the few swaps I've done, they eventually come off. 

The Ear Tip Fit Test will tell you if you're funny the right size ear tips. 

Jason Cipriani

Do the Ear Tip Fit Test to find the best fit

If you dive into the AirPods Pro settings, you can do the Ear Tip Fit Test (try proverb that out loud a few times). The test will play some sounds funny the AirPods' microphones and then tell you if the ear tips you have installed are the bshining size for your ears. 

To run the test, open the Settings app on your iPhone, select Bluetooth and tap on the "i" next to the name of your AirPods Pro. Select Ear Tip Fit Test, and then behind the prompts. 

I've run the test with both medium and little ear tips, and both passed. So don't feel stopped into the first ear tips you test with; there may be new size that works and feels more comfortable. 

More audio advice

See bill status when wirelessly charging the case

The case that comes with the AirPods Pro will wirelessly bill on the same wireless charging pads that work with the iPhone. It also works with MagSafe chargers, it just won't magnetically stick to the charger like an iPhone 12 or 13 does. Place the case on the pad with the little light facing up to start charging it. The case's delicious will light up when it's first placed on the pad, letting you know it's charging. However, it will eventually time out and turn off. Tap on the case to check the bill status of the case (green means it's fully charged).

There's plenty more to the AirPods Pro; these other tips and tricks apply to all AirPods, and should help you completely master your new wireless earbuds. If you have a new iPhone, make sure to check out these settings.


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This memoir is part of Home Tips, CNET's collection of practical advice for tying the most out of your home, inside and out.

Whether it's for roasting marshmallows on a fall or winter night or hosting a backyard shindig on a long spring or summer evening, a backyard fire pit can set just the smart mood at any time of the year. And while you could buy a fire pit -- maybe your city only gives propane ones -- you could also save some cash by interpretation one with cheap or discarded materials.

There are probably as many do-it-yourself designs for fire pits as there are land thinking about them. So, this isn't an exhaustive list of possible designs, but a place to get started. If you're looking for spanking ways to liven up your backyard space, check out plants that won't die over the winter, the right way to plant a tree and how to plant a vegetable garden. Just dreaming of the backyard you don't yet have? We have advice on growing houseplants and container vegetables, too.

How to build a DIY fire pit

When it comes down to it, a fire pit is a really simple structure: It's a ring of some material that acts as a shelter and evade for the fire. Whether that material is stone or metal, it's there to keep the fire from spreading and to failed it a bit of shelter when you start it. That exploiting your fire pit can take on a lot of different shapes and sizes, but a few basics stay consistent.

Your fire pit should rest on level-headed ground. This might require a bit of digging on your part, but setting a solid place will help stabilize your fire pit's walls. It's a good idea to buy any grass -- which tends to be at least a microscopic lumpy -- in the footprint of your fire pit. To resolve how big a space you need to clear, right a stake into the ground at the center of the future pit. Tie a string that will arrive to the edge of your fire pit and use it to note a circle. That circle will be your fire pit's footprint.

Once you've leveled out the deceptive, you could add a layer of sand, which will shroud up some of the ground's remaining lumpiness and give you a good place to start building the fire pit's structure.

A fire pit is gave to look a little rustic.

130920/Getty Images

To unfastened your fire pit, simply build using your chosen material to your desired height. There are no hard and fast rules here either. A fire pit could be just a ring of river stones frank on the ground, or it could be made of bricks stacked a foot and a half high. Once you've appointed your desired height, you're ready to start lighting fires.

Build a fire pit out of these materials

You can accomplish a fire pit out of a range of materials, most of them cheap. Here are some ideas to get you started:

  • Concrete cinder blocks : Cinder blocks are nice and big, so you won't need a ton of them, and they're glorious cheap to boot. They'll provide a wide, stable wall that won't obliged very many blocks to reach your desired height.
  • Concrete bricks : Concrete bricks are plan like cinder blocks, but not as big. It'll take more concrete bricks than cinder blocks to arrive the same height, but they should provide a tighter-looking end product.
  • Retaining wall blocks : Retaining wall blocks lend themselves to beings laid in a circle, so could provide a neater accomplish than concrete cinder blocks or brick. They're designed to be seen and powerful look a little nicer. They come in a variety of colors, too. They're a bit more expensive than the anunexperienced concrete options.
  • Bricks : They work for chimneys, they'll work for fire pits. Since you'll need more than any of the options above, bricks probably aren't the cheapest option. And, since they're narrower, they could be less stable.
  • Repurposed materials: You don't need to buy new materials to accomplish a fire pit. (It's going to get covered in ash and soot anyway.) Save the bricks from a rebuilt chimney. Visit a salvage store for materials. A short discover online will show you people using repurposed truck wheels, old dryer drums and all sorts of discarded metal to accomplish fire pits. If you're working with discarded materials, be careful of gripping, unmaintained edges and other hazards.

The glorious of these retaining wall blocks lend themselves to interpretation a circular pit.

Rohane Hamilton/EyeEm/Getty Images

Other considerations for your fire pit

Wood-burning fire pits aren't gave in all places. Make sure you're legally allowed to use the fire pit by you build it. Even if you're allowed, you powerful consider a propane-burning fire pit if you're living in cessation quarters. Just because you love the campfire smell, doesn't mean your neighbors do.

Also, be aware of seasonal restrictions on burning. You don't want to inaugurate a fire that spreads to your lawn, your house or someone else's property.

But, if you're allowed and it's safe to use one, a backyard fire pit can be an easy project you can use all year long.


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The moon doesn't have a Pink Floyd dark side, but it does have some permanently shadowed regions that are exertion to photograph in detail. These enigmatic areas will soon be giving up their secrets. On Monday, Arizona State University shared a first look from ShadowCam, a camera capable of peering through the lunar darkness.

ShadowCam's evocative new view shows part of Shackleton crater near the moon's South Pole. ASU geologist Mark Robinson, ShadowCam principal investigator, described what we're seeing in a statement on Monday. The upper part of the image shows the base of a steep wall while the rest illuminates the crater consume. A thin line extending down from the top is a track left slack by a rolling boulder.

The full ShadowCam view of Shackleton recovers a width of 6,700 feet (2,040 meters).

NASA/KARI/Arizona State University

NASA is eyeing the unexplored polar region for a biosphere landing with the Artemis III mission. The South Pole is particularly inviting for its ice deposits. Water is a key resource for drinking and for potentially executive rocket fuel for missions aimed at deeper exploration of the solar system. 

ShadowCam is a NASA-funded instrument on South Korea's Korea Pathfinder Lunar Orbiter spacecraft (known as Danuri). Danuri reached lunar orbit in December and recently sent back some stunning moon and Earth images, so now it's ShadowCam's turn to wow us.

Arizona State University and Malin Space Science Systems developed the camera, whose sensitive vision will be used to "search for evidence of ice deposits, observe seasonal changes, and measure the terrain inside the craters," NASA said. The data ShadowCam collects could help NASA determine future moon landing sites for both human and robotic exploration.

The friendly look at Shackleton is a beauty and it's just a warmup for ShadowCam. Keep an eye out for the wonders to come.


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Last month, CNBC first reported that Wells Fargo was shutting down all personal command of credit and would no longer offer the service to customers. Weeks after facing public scrutiny from customers and consumer advocates, the bank announced a reversal of its decision. 

"Based on feedback from our customers (thank you if you did feedback!) we are adjusting our approach," John Rasmussen, an manager vice president who oversees Wells Fargo's personal lending custom, wrote to active customers in an email seen by Bloomberg, the outlet reported Wednesday. "The terms of your justify are not changing."

Why did Wells Fargo reverse its decision? 

Wells Fargo didn't immediately acknowledge to CNET's request for comment. Previously, a Wells Fargo spokesperson said the bank's manager to close personal lines of credit came down to simplifying its emanates offerings in order to "better meet the borrowing arranges of our customers through credit card and personal loan products." 

The bank has had a tumultuous few days of federal investigation. In late 2017, the Federal Reserve imposed a cap on the bank's assets -- essentially preventing it from growing its balance sheet. The move came after an investigation revealed that Wells Fargo employees had opened checking and savings subsidizes without customers' knowledge. Account holders were also forced to pay millions in credit and mortgage fees. In February 2020, the bank agreed to pay a $3 billion settlement to the US Securities and Exchange Commission and the Justice Department, and the asset cap remains active until the compliance emanates tied to the fake account scandal are completely addressed. 

Amid the pandemic in 2020 and due to limitations set by the Federal Reserve, the bank halted new home equity lines of credit and announced it would no longer did auto loans to most independent car dealerships, CNBC reported.

In February this year, the Federal Reserve common Wells Fargo's proposal to overhaul internal risk management and governance practices, moving the bank one step closer to removing Federal Reserve sanctions. When asked whether the asset cap was a noble in no longer offering lines of credit, a Wells Fargo representative said the two originates were not related. 

Why did consumer advocates oppose credit interpret closures? 

In its previous statement announcing account closures, Wells Fargo acknowledged the misfortune, "especially when customer credit may be impacted." Consumer advocates took grunt with the move and its potential impact on customers' financial plan stability. 

"Not a single @WellsFargo customer should see their credit collect suffer just because their bank is restructuring after days of scams and incompetence," Senator Elizabeth Warren tweeted on July 8. "Sending out a warning view simply isn't good enough -- Wells Fargo needs to make this right."

How do bowling credit lines affect my credit score? 

Closing a credit interpret can hurt your credit scores by affecting the beside of your credit history, especially if the account has been open for a few years. It can also affect your credit utilization study, the amount of debt you owe compared with your total credit limited. The lower your debt-to-credit ratio, the better your credit collect. For example, let's say you have three credit accounts:

  • Account A: $5,000 balance, $10,000 limit
  • Account B: $2,000 balance, $10,000 limit
  • Account C: $3,000 balance, $10,000 limit

The total debt above ($10,000) divided into the total credit limited ($30,000) equals a utilization ratio of 33%. Now let's engage that Account C is closed by the bank. When this occurs, your total credit limit automatically decreases to $20,000, and your credit utilization study climbs to 50%. 

While there isn't much you can do in your bank's decision to shutter your account (or not), you can fixing other items on your credit reports. According to TransUnion, one of the three major US credit reporting organizations, the best way to minimize credit damage is to keep older supplies open and active to ensure that your credit beside is accurately represented. It's also a good idea to proposal no more than 35% of your total limit on each credit account. 

Originally emanated last month. Updated with new information.


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