Several benchmark refinance rates moved higher this week, but refinancing could be still make sense for other reasons.

What's it like changing carriers after 10 years? Actually, it's pretty easy.

Summer is the best time to start hosting parties, and if you’re planning on doing just that this year, you’re going to want to make sure you have everything you need to throw some ragers. What’s the most important thing you need for a great party in addition to the “vibe”? Oh, nothing. Just some amazing music and a way to share it. Case in point? A party speaker that’s up to the task that won’t force you to spend all of your savings. Sound like a plan Head to Amazon to get the JBL PartyBox for $249, down from its usual price of $349. That’s $100 off and a discount of 29%. See at Amazon Party all night for a great discount The JBL PartyBox is everything you need to get people moving and the party jumping. And it’s powerful enough to fill your space with 100 watts of signature JBL sound. It’s also compact enough to carry over your shoulder. It even comes with a padded strap so you can sling it across your back like a messenger bag. That makes it convenient for beach trips, park hangs, or just moving from room to room too. It also includes a built-in bottle opener, which sounds like a gimmick until you actually need one mid-party and realize how smart that feature is. Because someone’s going to have to bring a drink with a lid that doesn’t twist off, and that’s gonna harsh your vibe. This is more than just a speaker. It’s also a light show in a box, which you’ll soon find out when you start using it in earnest. Whether it’s a quiet night with friends or a full-on celebration, it’s a small touch that makes a big visual impact. And if you’re the karaoke type or know someone who is, you’ll love the wireless microphone that comes included. Tweak the bass, treble, and even echo effects, which makes this speaker double as your own personal DJ booth or karaoke machine. It’s also made to handle real life. With IPX4 splash resistance, it can stand up to light rain, poolside splashes, or accidental drink spills. The 6-hour battery life keeps things going long enough for most parties, and if you’ve got another compatible JBL speaker, you can pair them together for an even bigger sound experience. All this for under $300? You’ll want to get yours as soon as possible before the heat wave and the summer parties begin. See at Amazon

ZDNET's key takeaways The Eufy E28 robot vacuum, mop, and spot cleaner combination is available for $999.The mop performs better than more expensive flagships, and the water tank system doubles as a portable spot cleaner with a self-cleaning hose.Unplugging the spot cleaner also unplugs the charging station, and the spot cleaner requires you to brush it to scrub. more buying choices The Eufy E28 Omni robot vacuum and mop just hit its lowest price ever at $850, a total of $450 off with an on-page Amazon coupon.Robot vacuum manufacturers are constantly trying to outdo one another. One company develops a detachable cordless vacuum for the robot's dock, and the next makes the robot's dustbin a detachable cordless vacuum. Now, Eufy is upping the ante with the first robot vacuum to also have a detachable spot cleaner for carpet and upholstery. Also: Finally, I found a robot and handheld vacuum combo that's ideal for apartment dwellersThe Eufy Omni E28 is a robot vacuum and mop with a portable spot cleaner for carpets and upholstery. You can run your robot vacuum as you would any other, but you can also pick up the top with a built-in retractable handle and do some deep cleaning on carpets, rugs, or upholstery. I've been testing this robot vacuum over the past couple of weeks, and I'm happy to report on its performance.  details View at Amazon Essentially, the deep cleaner you carry is the Omni station's clean and dirty water tank, so it's where the robot autonomously sources clean water for its mop when it's at the dock. The deep cleaner has a handle for spot-cleaning with a hose, so you can set it down near where you want to clean and plug it in without holding it as you clean. Aside from detachable cordless vacuums, a mop roller system is another big thing for robot vacuums; many makers, including SwitchBot, Yeedi, and Ecovacs, are moving away from detachable rotating mop pads and using mop rollers instead. Eufy's also done this before with the flagship S1 Pro.  Maria Diaz/ZDNETThe Omni E28 also has a mop roller, which looks similar to the S1 Pro but not identical. The Eufy Omni S1 Pro is unequivocally the best mopping robot vacuum I've ever tested, so I was excited to test the new Omni E28, which features a very similar system. Thankfully, the Omni E28 didn't disappoint. The large mop roller covers the length of the vacuum's width and leaves no streaks behind during mopping. Streaky floors are one of my biggest pet peeves when testing robot vacuum and mop combinations, and they're a more common occurrence than I'd like. Also: My favorite indoor security camera has no subscription fees and is on sale right nowEufy is also launching an E25 robot vacuum, which features the same HydroJet self-cleaning mop system as the E28. The robot's mop roller is continuously scraped clean as it spins, and it keeps clean and dirty water in separate tanks within its body, so it only mops with clean water. The mop also exerts more downward pressure to ensure deep cleaning than the S1 Pro, with 1.5kg (3.3 lbs) instead of 1kg.  Maria Diaz/ZDNETHowever, continuously spraying the roller with clean water inside the robot keeps it moist. Scraping off the dirt and wringing out the dirty water as the roller spins ensures your floors are clean instead of streaky or filmy. The Eufy Omni E28, like the S1 Pro, is the closest thing to a manual mopping result you can get from a robot vacuum and mop. Also: I love a vacuum and mop to clean dry and wet messes, especially when it's on saleThe E28 and E25 robot vacuums have 20,000Pa of suction power and anti-tangle technology, including a DuoSpiral double roller brush to remove pet hair and avoid entanglements. The robots are self-emptying robot vacuums with a self-washing mop roller. The only difference is the portable spot cleaner, which only the E28 has. The Eufy Omni E28 robot vacuum and mop has dual brush rollers and a roller mop. Maria Diaz/ZDNETThe spot cleaner proved to be very effective. It's heavy, like most spot cleaners when full of water, but it has a retractable handle on top that makes it easy to carry around. You also don't have to press any buttons or move anything to release it; just unplug it, pull the retractable handle, and go. I didn't like that the spot cleaner powers the base station, so if you take it somewhere else in your home to clean, the robot's charging station is left without power until you return it. This is fine for quick cleanups, but it can be annoying when a forgetful house member takes the spot cleaner upstairs and leaves it in a room for two days after they're done (totally not me). Also: This simple Amazon tablet became one of my biggest smart home upgrades yet (and it's on sale)The spot cleaner has a self-cleaning hose attached, but no other attachments. The hose ends in a static brush head that sprays clean water, which you use to clean messes on soft surfaces, like carpets, rugs, and upholstery. Since it isn't motorized, you must manually brush the rug or fabric with the brush head to scrub it clean. Once you're done, you just have to press a button along one end of the brush head to make the spot cleaner cycle clean water through the hose without spilling, cleaning the hose for you.  These pictures were taken three minutes apart. The left (before) shows yogurt stains on an ottoman. I sprayed a liquid spot cleaner and went over it with the brush and water; the results are on the right (after). Maria Diaz/ZDNETThere's no separate detergent tank for the spot cleaner, though you could add some detergent directly into the clean water tank. I recommend using just water in the clean water tank and spraying your preferred carpet or upholstery cleaning solution directly on the stains to pre-treat them. You can then scrub the mess clean with the Eufy E28 brush and rinse out the detergent. ZDNET's buying adviceThe Eufy Omni E28 is designed to solve a big problem for many US customers: the need for regular floor cleanings and the ability to quickly clean up messes on soft surfaces in a single device. This device isn't meant to replace your existing carpet cleaner, but it's perfect for consumers who may need a spot cleaner and are also in the market for one of the best robot vacuum and mops available.Also: Spring cleaning takes me no time with my favorite smart home devicesI'm not a fan of fully carpeted living spaces, but my home has carpeted bedrooms, one of which we use as our TV room. With three young kids who have movie nights and play time in that TV room, its carpet unfortunately sees a lot of spills. I was in the market for a spot cleaner for a while, but decided to buy a full carpet cleaner instead, which I use to clean our carpets at least once every quarter.  The E28 cleaned up the soy sauce stains comparably to the larger carpet cleaner. Maria Diaz/ZDNETBut there are always little messes in between -- whether it's spilled ketchup on the carpet, a muddy shoeprint on the entryway rug, or yogurt on the fabric ottoman. So I appreciate having the Eufy Omni E28's spot cleaner always handy. Instead of dragging out a heavy carpet cleaning machine and filling it with water to clean a 6-inch in diameter spill, I can just unplug and grab the E28, clean the mess, and return it to the dock with little work on my end. It's also priced quite well for a first-of-its-kind device with a flagship-level robot vacuum and mop. The Eufy Omni E28 robot vacuum, mop, and spot cleaning combination is now available on Eufy's website and Amazon for $1,000. The Eufy E25 robot vacuum and mop without the spot cleaner will be available in June for $900. When will this deal expire? While many sales events feature deals for a specific length of time, deals are on a limited-time basis, making them subject to expire at any time. ZDNET remains committed to finding, sharing, and updating the best offers to help you maximize your savings so you can feel as confident in your purchases as we feel in our recommendations. Our ZDNET team of experts constantly monitors the deals we feature to keep our stories up-to-date. If you missed out on this deal, don't worry -- we're always sourcing new savings opportunities at ZDNET.com. Show more Featured

Why building trust matters more than building components.There’s a scene in Field of Dreams that regularly comes to mind. Ray Kinsella (Kevin Costner) is standing at the edge of his cornfield ballpark, full of doubt about his ball field project. And then Terrence Mann (James Earl Jones) delivers this quiet but powerful monologue…James Earl Jones as Terrence Mann gives an inspiring speech“People will come, Ray. They’ll come to Iowa for reasons they can’t even fathom… They’ll arrive at your door as innocent as children, longing for the past… They’ll pass over the money without even thinking about it — for it is money they have and peace they lack.”It’s powerful. And there’s temptation for designers to think this way. That, if we just build it properly, people will come and use it. It’ll be a raving success. But that kind of thinking rests on emotion and hope. “People will come, Ray.”That got me thinking about my work with design systems. Because early on, that’s exactly how I imagined it would work.No…they won’t just come.I thought if you just built a great design system, people would come running from all over to use it. Designers would geek out. Engineers would contribute. PMs would rally around the time savings and consistency. I thought the system would basically sell itself. Job done.Except not. Not at first. In fact, most of those people actively resisted it. And it left me frustrated trying to figure out what was going on.That’s when it hit me: people don’t come just because you built something. They come because you built something that includes them. This isn’t a fictional baseball field built on faith. They don’t come because they don’t know it. It’s foreign. And as humans, we tend to run away from what we don’t understand.That’s why the people who work on design systems are so important. So that you can be known and your systems can be known. So that a relationship can be established. Trust can be created and people can see that this system will work for them. In fact, it’s been purpose-built for them.Design Systems are political (it’s true)I never would have imagined how political design systems would be. They seem logical and straightforward. It’s everything you need to build interfaces and consistent experiences. So, I thought the quality of the work would speak for itself. But once your system meets the real world, things get complicated. Real fast.Everyone already has established working patterns and people aren’t usually inclined to change. Plus, designers have their opinions. Engineers have priorities. Product managers have launch dates. And everyone already has a “good-enough solution”. So, now your carefully crafted design system feels more like a threat or liability than the life-changing birthday present you thought it’d be.You thought you were offering something amazing. They hear restriction. They see more steps. And they’re annoyed — at you — for meddling in their perfectly stable world.Why? Well, people love their tools. And, I mean LOVE them. They deeply cherish them. I think of the carpenter who’s used the same, trusty 20oz wood-handled hammer for 40 years. It’s weathered difficult projects and has dents and stains from 1,000s of projects. How do you convince someone to leave that hammer behind and pick up a new, unproven hammer for their work? It usually happens in community…in relationships.So, it turns out, building the system was the easy part. Getting people to care about it? That’s the real work. And that’s where building relationships comes in.The real work: building relationshipsTrue adoption doesn’t happen through documentation or a flashy campaign.So you can’t rely on a “build it and they will come” mentality. It means you need to make time to understand the people you’re building for and with. Because if it isn’t theirs, it won’t matter how good it is. Every group has different motivations, pain points, and goals. If you want them on board, you have to speak to them, about them, and how your system will help them.Designers need to see how the system supports creativity, not stifles it. Demonstrate how it will help them be more effective in their work.Engineers care about stability, performance, and clean code. Show them the efficiency that it brings to their development pipelines.PMs are focused on delivery. Make the system reduce friction and risk.Executives want the business case to be clear. Show them how your system enables faster velocity, better consistency, and reduced maintenance cost.Establishing how individual goals come together as shared goals is critical.Sounds selfish, right? Not really. They’re paid to do their job, and if you want your design system to be successful, it has to make them successful. So if you can’t answer a need to any of your partners or stakeholders, go back and figure out how to create that kind of value…or start with the people where the value already is.It’s the relationships that shift the dynamic. Suddenly it’s not “my design system vs. their priorities”…it’s shared ownership…our collective win.You can’t enforce your way to powerful adoptionYour first instinct might be to skip the relationships and rely on the “because I said so” method. So you add mandates. Governance councils. Approval gates. But none of them really work. You’ll have people subvert the system, or hold so fearfully tight to it that it hurts the product experience in the end.People don’t adopt systems because they have to. They adopt them because they believe in them. And belief is earned, not enforced. Your job is to find the intrinsic motivation that will cause them to jump on board and be a raving fan spreading the good news of your system. And that can’t be a marketing slogan or tagline; it has to be built into the design system.The goal isn’t to control usage…it’s to cultivate trust, leading to usage. It’s better to have ten enthusiastic partners than a hundred reluctant rule-followers. Because those ten partners? They’ll advocate for you. They’ll give real feedback. They’ll make the system better.It sounds uncomfortable, but it’s best to trade policing behavior for building partnerships. That’s the moment your system will truly grow. Because trust is a currency that earns interest.Trust is the real foundationDesign systems rely on a strong foundation: principles, guidelines, tokens, styles, components, and more. But that foundation must be built on something critical: trust.Trust is what makes someone choose the system instead of rolling their own. It’s what keeps your system on their radar when everything’s on fire. It’s what makes people reach out to work it out together, instead of working around you and subverting the whole thing.Without trust, your system is just a nice idea. It’s relegated to pixel art. But with relationships that foster trust…they see how the system becomes indispensable. It’s their go-to secret weapon for success.Trust and relationships are the ground that all foundations are built on.I’ve been on both sides. I’ve had teams avoid the system because they didn’t trust it…because they didn’t trust me. Here’s the secret: I know them or how to serve them…no trust. On the flip side, I’ve seen teams move faster, smoother, and more confidently because we’d built a foundation of partnership over time.Trust isn’t a side effect. It’s not a nice-to-have. It’s the ground that holds the whole thing up. Without it, your design system is drifting in the outer cosmos. Relationships are the gravity that keeps your design system grounded in trust.They’ll come… but only if you earn itSo, I hate to break it to you, but the truth is…no one’s coming just because your system is well-made. There’s already a plethora of well-made systems out there ready to leave you disappointed.They’re busy with the newest top priority. They’ve been burned by “that type of system” before. They see you as a risk, not a partner. But…if you spend time knowing them… if you listen… if you build trust… if you make it feel like it’s theirs… well then… “…they will come…”They’ll message you before they start a new feature. They’ll advocate for tokens during sprint planning. They’ll tell others it saved them time. They’ll ask how they can help improve it.They won’t come for the components. They’ll come for what the system gives them: clarity. Consistency. Relief.And if you’ve done the hard, human work behind the system? Well then, you might just look up one day and realize that there’s a whole bunch of people in your Iowa ball field.The politics of Design Systems was originally published in UX Collective on Medium, where people are continuing the conversation by highlighting and responding to this story.

It's the carrier's "best phone deal ever" as long as you're prepared to pay everything upfront.

Grab this Insignia TV with smart features to put anywhere you need an extra display and save some serious cash.

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