In US metros, they’re typically around 2% of the home value, with discount maybe 50% for owner’s primary residence. Depending on the locality, the home value may be reappraised every year only only after a sale. If you bought a $100k house, planning retirement on $1000 annual taxes, and the area gentrifies your house to $500k, the extra $4k/year in taxes can be a budget buster.

My first server was a single-core Pentium - maybe even 486 - desktop I got from university surplus. That started a train of upgrading my server to the old desktop every 5-or-so years, which meant the server was typically 5-10 years old. The last system was pretty power-hungry, though, so the latest upgrade was an N100/16 GB/120 GB system SSD.

I have hopes that the N100 will last 10 years, but I’m at the point where it wouldn’t be awful to add a low-cost, low-power computer to my tech upgrade cycle. Old hardware is definitely a great way to start a self-hosting journey.

So much of nvidia’s revenue is now datacenters, I wonder if they even care about consumer sales. Like their consumer level cards are more of an advertising afterthought than actual products.

Is your company paying part of the deductible? I can’t get an HSA-qualifying plan with deductible under $6000. Also single and old.

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.

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.