Today's NYT Mini Crossword Answers for Thursday, Jan. 23

If an annual fee fits into your budget, it can mean more rewards and better card perks. https://www.cnet.com/personal-finance/is-your-credit-card-annual-fee-worth-it/#ftag=CADf328eec

This month, mortgage rates saw a very mild recovery. Here's what to expect next. https://www.cnet.com/personal-finance/mortgage-predictions-slight-dips-in-rates-wont-improve-housing-affordability/#fta

These are the areas you should clean but probably don't because they're out of sight, out of mind. https://www.cnet.com/how-to/15-sneaky-germ-hotspots-in-your-home-that-are-probably-in-need-of-a-clean

Your iPhone has a built-in flight tracker that's easy to miss if you're not looking for it. Here's how to use it. https://www.cnet.com/tech/mobile/flying-for-spring-break-stay-up-to-date-with-your-iph

If you have been experiencing sleep difficulties, incorporating white noise or brown noise into your night-time routine might provide the relief you need. https://www.cnet.com/health/sleep/brown-vs-wh

The seafaring movie gets a streaming release date. https://www.cnet.com/tech/services-and-software/moana-2-on-disney-plus-heres-how-and-when-to-stream-the-musical-sequel/#ftag=CADf328eec

From Oura to the Ultrahuman Ring Air, this is my experience testing these popular smart rings. https://www.cnet.com/health/i-tested-3-popular-smart-rings-to-improve-my-wellness-habits/#ftag=CADf328eec