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I went from an iPhone 12 Mini to an iPhone 14 Plus recently. Both were slightly used. I stay behind a couple versions and can usually upgrade for about $200 after I sell my old phone. This last upgrade was purely for more battery life. The Mini was fine if I could charge 2-3 times a day. When...

I have been using it for "Low risk" passwords only. We continue to use 1Password for Family tracking and sharing.

Taking nutritional advice from your nurse practitioner is like getting a stock tip from the oil change guy at Jiffy Lube. :-) More whole plants and less saturated fat, trans fat and empty calories.

Always check with the interested schools. Kid 2 is a senior at Kansas University in Lawrence, KS. With her grades, the scholarship she has had brought tuition down to in state levels. A difference of $16k per year over out of state tuition. Not chump change over 4 years. With the scholarship...

I went "Interest only" before the start of each (3) kids freshman year of college. They had enough and there was no need to risk losing 20-60% of principle to have "more". You can have different outcomes: Much more Some more A litle more The same Some less Much less Some are worse than...

The Last Chairlift by John Irving Imajica by Clive Barker John Irving is my favorite author. Even though it is hard to pick a single favorite.

Duo Lingo and Babbel take different approaches. They both will get you 25-40% there maybe. Certainly better than nothing and they definitely can help with basics. I would try Duo Lingo free before paying for something before trying.

79. Dang. Time flies. She was a great actress in her prime popular years.

I will vote, Yes, you are good at 55. You could consider 72T/SEPP for a portion of each of your (future) Traditional IRAs. The lack of taxable might be a slight obstacle, but the inherited IRA should be able to fill in for any lump expenses. I would bolster taxable even if you just leave it in...

I have been frustrated by the local blood donation center. Very slow, not cognizant of the donor's time. I happen to be AB- (universal non-donor, only 3% of population) so they do not want my whole blood. But they will gladly take plasma or platelettes which takes 2.5+ hours. The plasma place...

Always wear Brooks Adrenaline GTS or Brooks Glycerin GTS. That works for me. Adrenaline GTS is mid cushioning. Glycerin GTS is more cushioning. I know you can't always wear them, but good running/walking shoes work.

It seems like late September, October, November are high time for deaths. Maybe the cooler weather, more indoors time, less sunlight, less activity. I know in my family, my grandparents all passed in the October, November timeframe. Maybe just randomly un-random. I know even changing the time...

You should always be prepared for a market drop. But market timing seldom has the desired effect.

Type 3 diabetes. Read up on a a "whole food, plant based" lifestyle. It is the food (and drink). Anyone can change at anytime. If you want to.

The difference between .1 and 1.0 over 40 years matters a whole lot, so I care quite a bit. Anything over .5% you should have to justify and anything over 1.0% is suspect. Over 2% is criminal. I'm thinking of you Edward Jones.

I wear my gold wedding band for nice occasions and church. I have a 6 pack of silicone bands from Amazon that I wear for daily use. They are comfortable and I have no worry about losing one or getting it hooked on something while at work.

Doing this type of exercise never wins. What if the market had dropped 50%? Did you invest any of the $2,000 per month? Did you calculate your mortgage interest you didn't pay? I'd crumple up your calculations and move forward. If you don't like your paid off house, take out a new mortgage...

Nate Bergatze is probably top right now. No swearing, no dirty stuff, just good humor.

In my quest for a retirement at 55, (53 now) I realize that having more in taxable would be very helpful. We have ~$250k, but another $250k or $500k would make "early" easier. Also paying for weddings and the trappings of kids launching. I hope to let our Roth IRA grow. I am not willing to pay...

What if your $250k becomes $125k and Pfizer cuts the dividend? An individual stock is not a bond or cash. 5.7% dividend yield is not guaranteed. How about a Treasury ladder with 5 rungs? Or another CD? Think about it, but do not do it.

6 years, whole food, plants - No meats, fish, eggs, dairy of any sort, avoid oils and ultra processed junk. Black, pinto, cannelli, northern, garbanzo beans. Brown rice and other grains like barley, faro. I like tempeh, but it is hard to find. Walmart stopped carrying it. Tofu is the cheapest...

I'm 53, my manager is 37. He wants to work harder and longer than I do. I am happy to work less. He is happy to work more. Win-win. Coast downhill and don't feel bad about it. I do fast, quality work but don't put in any extra time unless it is an emergency type scenario. If they ask me to do...

Yes. Have not had a cleaning in 3 years. I tired of the insurance racket. Paying the overage for x-rays. The dentist making up a cavity or issue. Oh, looks like a cavity there. Umm. Must be vacation time again. I will go if I have any tooth pain or gum issues. Maybe I'll go every 5 years. I...

I had the windshield replaced on one of our cars. $400+tax. They suggested I write a check as there was a 3.99% fee for putting it on a credit card. I wrote a check. Margins are thin. I'm happy to save 3.99%. They are happy to accept my check. I will not be surprised if this happens more and...

iPhone 14 or 15, Apple Watch 9 or 10 GPS model. The Pro iPhone models are perhaps overkill unless you need a great camera. The Ultra model watch is probably overkill as well. If you have an Apple Store in your area, try on the 42mm vs 45mm watch. See which fits your wrist better. Ultra watch...