Once you hit 65, you can withdraw HSA funds for any purpose, tax free, like a Roth IRA. 401k withdrawals will be taxed as ordinary income, so an HSA dollar is worth about $1.20 in a 401k.
When I was looking for a non-employer HSA, there's a lot of providers out there with not-exactly-predatory terms. All kind of fees or restrictions that you wouldn't find on other types of checking/saving/brokerage accounts. I ended up a Lively, but they added some investment/transfer fees when Schwab bought Lively's investment partner TDA.
I suspect it's partly because most HSA are determined by the employer, so someone in HR can be induced to choose a fee-laden plan if it's easier for them, and partly because the tax benefits are so great that it still makes sense even after paying a $20 junk fee here and there.
Scabs understand that there's a picket line and that they're acting against fellow workers.
I don't think the people being recruited for 'jobs in the USA' know very much about US domestic politics, visa structures, or the possibility that they're being hired to replace layoffs. I would guess that most of them let the opportunity to get to the US, legally, and the hope that they can convert that to better status once there, outweighs all other considerations.
Annuity: $2B paid monthly over 30 years is $5.5M/month; $3.5M after taxes.
Lump sum: $1B, $670M after taxes. Invested in index fund at, say 8%, can be expected to earn $4.5M/month, $3.6M after more taxes, which are lower for capital gains & dividends.
There's more complicated maths, if you want to model taxes, future values, and variable market returns, but they all say pretty much the same thing. They have to: the annuity works because They put the lump sum into escrow, pay a trustee to manage it well enough to pay the annuity and pay the trustee's salary. That means the trustee will invest said lump sum (before taxes) in low-risk, low-return assets, take his vig, and pay out the annuity from what's left.
It's not just religions drying up, it's all of the old hierarchical social clubs. Their membership are aging and dying off, and they're not doing anything to recruit Millennials or GenZ. The internet opened up vast opportunities for non-work social contact and relaxed the demand that people gather in one physical place at a fixed time with rules to minimize chaos.
Musk is definitely racist, and his support for H1B is a feature of that racism. He thinks "those orientals and Indians" are good at tech and "hardcore." H1B lets him bring them over, treat them like slaves, and send them back home if they get uppity.
MAGAs would feel the same about immigrants in agriculture and hospitality, if they thought there was a reliable way to send them back home at the end of the workday.
"Panel" in most cases means "400W nominal panel," which may include higher-efficiency, same-size panels with 420W nominal, so you can just math whatever panel numbers they give you by 400 to get the answers you want. Like, if they tell you a "10 panel" system will generate 3240 W, you can figure that means 75-85% of nominal peak power. A lot of the calculators are meant to help sell installations, based on people's current electric usage and constrained by their roof area. That makes 'number of panels' a very handy measure.
Sure, but even if she had formally resigned, Texas would not have replaced her. TFA says her offices are abandoned, so likely no staff getting paid. She, herself may or may not be getting paid, but as near as I can tell, a congress person drawing 5 months of salary while being hospitalized out of DC is a pretty low level shitty-politician behavior. Besides, she'll be collecting probably 80% of that salary as pension, anyway.
Yeah, this all seems relatively normal. Clickbait headline is definitely trying to imply that a serving Representative can just disappear into assisted living, where this woman systematically wrapped up her duties and stepped aside (if not down). Texas leaves election-year House vacancies to be filled by the election.
Why would the family not say where she is? Privacy. No one wants to advertise the medical status of family members.
Encrypt email with anyone who publishes a key. If "bad" emails are the only ones you encrypt, then that metadata can be used to raise suspicion of you and to trace your contacts.
I would expand this to say that it matters how many people in the household. For one person, 55 Mbps is fine for streaming video and 350 GB is fine for downloads, unless you're d/l multiple AAA games. 350 GB might also cause trouble if you do significant cloud backups.
If you're in a household of 4 people, that 350 GB is likely to bite, and 55 Mbps is likely to struggle if you're all watching something different.
Zwave is my first choice for new devices. Love that I can just scan the little QR code, turn it on, and have it come up in HA. Super-long range, I'm going to have to look for outdoor sensors.
But I'm also thinking - my parents are starting to have health problems - that a mile could even be a family member or friend's house. Not as intrusive as cameras, but an easy way to see that they're up and about...making coffee, TV on, or whatever, and not (potentially) collapsed in the shower unable to get up.
Before the War, you want your bunker to be open and easily accessible, so you don't have to go hunting for keys or struggle to remember a passphrase when the missiles come over the horizon. After the War, you want your valuables to be inside the bunker, so you can use your Tiffany broach to buy grain from the raiders. So, all your valuables need to be in the open bunker, but secure from pre-War thieves. Definitely need a vault in your vault.
Remember that Trump lies about everything, often in both directions. Everyone knows this, including his supporters. That gives his supporters the mental freedom to make up whateverthefuck policy positions they like and find proof that they are Trump's real plan.
Donald Trump is the human version of a Bible. If you're a Believer, god says he will implement your Desire. If you're a Heretic, god says he will destroy the world. All with the same words.
Congress makes a big show of restricting their official compensation. Have voted down "cost of living" pay raises every year since 2009. Voted away speaking and publication fees. All these things to "prove" that they hold their positions for civic duty more than money, but the flip side of this is that only people with independent wealth can afford to be in congress. If most of their money comes from investments or unofficial sources, then it can be even easier to funnel money to them - insider trading tips, legislation favorable to their own companies or investments, jobs for their relatives. Benefits structured not to count as compensation or salary, like free travel on "official" business or below-market rent.
Having a single, central receiver to collect inputs from 5+ A/V sources and deal them back, arbitrarily? to 6 different outputs seems awfully complicated. Something like Jellyfin or mythtv with one or more TV tuners would let you originate all of the TV & streaming signals from your central source to client players - kodi or whatever - in the player rooms. Most of those have at least some control through homeassistant. Kodi on RPis with some basic class D amplifiers in each room, run through the TV, if the room has a TV. Probably couldn't get synchronized audio in all rooms that way.
Is your company paying part of the deductible? I can't get an HSA-qualifying plan with deductible under $6000. Also single and old.