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NY does a pure community rating (no age rating) and is always open. So just buy the Medigap when you get sick.

National Pretzel Day many pretzel places are offering deals or free pretzels. I got a free one from Auntie Anne’s, had to use the app for the deal.

They sell PCIe adapters for $5 to $10 that will work. May not be as fast as a native motherboard with a natural slot, but it should work. I don't know if you can boot with it, depends how old the BIOS is.

It was in the physical store.

Walmart had a clearance on SSDs. $17 for this WD Black 500GB, Amazon lists it for $60: WD_BLACK 500GB SN770 NVMe Internal Gaming SSD Solid State Drive - Gen4 PCIe, M.2 2280, Up to 5,000 MB/s - WDS500G3X0E $25 for this 1TB, $77 on Amazon: Western Digital 1TB WD Blue SN570 NVMe Internal...

Nobody says, "Now you are cooking with induction". Gas is the best.

They may want you to go through the Bond Desk for that order. I ran into this issue many years ago with them. It makes no sense, but that is how they set it up.

If you don't need the money leave it to heirs and they will get a stepped up basis at death.

If you hold VTSAX in a Vanguard Brokerage account they can convert it to VTI ETF without any tax consequences. VTI is easier to manage since it is an ETF and not a mutual fund.

I dumped Vanguard due to their crappy web interface, policy on what investments you are able to buy, and policy on being "too active". I could understand if you are in their mutual funds being too active can disturb the fund, but they apply it to ETFs which makes no sense at all. They rested...

I hope you have them in a retirement account or the taxes are a problem... "Investors are taxed on the interest that the Strips are accruing each year, even though this interest is not actually received until the security matures."

Still running the '07 Japanese econobox that I bought new for $18K.

The ACP expiring will bump Internet up $30. When I hit 60 I can get a $23 SNAP benefit with income under $30K, that will also get the electric discount and the phone. At 65 we get the Senior discount on property taxes, and if income is low enough the Senior low income discount. The pension...

I do Clonezilla for bit for bit backups.

The program Timeshift can create restore points so you can roll back updates. It doesn't backup your personal data, just system data.

I have been around $16K a year for years. Health insurance $0 (Essential Plan, previously Medicaid), phone $0 (Lifeline), electric $12 a month (Assistance Rate), Internet $0 300/300 (ACP), food about $170 a month, car insurance $300K/$300K, gasoline minimal (mostly walk now).

I saw this article on Bloomberg today. Basically higher rates are helping not hurting the economy due to giving people more interest income. I don't know if I buy into the premise but interesting to ponder a new angle on things. I get paywalled but maybe someone can read it...

I'm in the sub-million club when I retired in 2014. It helps to have free and clear housing and car, a waiting frozen pension and decent Social Security. Income low enough to get $0 health coverage and pay hardly any income taxes. Spending is a bit above the Federal Poverty Level.

Put your sensitive files in a Veracrypt container that they can't access. https://www.veracrypt.fr/en/Home.html

If you really love Win 10 the IoT Enterprise LTSC edition has support until 2032-01-13 (IoT Enterprise only).

Wally World Window Washer Fluid -20F clearance $2.00, regularly $3.79. Scooped up 5.

I believe it is based on the hardware, that is how it knows about the activation. I haven't read the EULA for the specifics. If you reload Windows fresh it will re-activate based on the hardware.

Don't forget your free cell phone if you are on Medicaid... Unfortunately the ACP program expired but Lifeline phones live on. ----------- Assurance Wireless is a federal Lifeline Assistance program. If you or a member of your household participates in certain public assistance programs like...

I already answered this and you are ignoring context and each state has their own methodology in their state plan. Lump sums (like Roth conversions) are not "reasonably predictable" and only count in the month they happen. "(1) An amount received as a lump sum is counted as income only in the...

I'm not re-doing this topic, sorry.