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Finance 7 min read

Where First-Time Buyers Paying All Cash Get the Money, and How to Bid Against Them

A record 1 in 10 first-time US buyers paid all cash in NAR's 2026 profile. This piece covers where the money came from (inheritance stands out), what a financed buyer can do, and what weighs against paying all cash. The sources give no prices or current rates, so no dollar example.

Kevin Marchand · Nov 07
Where First-Time Buyers Paying All Cash Get the Money, and How to Bid Against Them
Finance 9 min read

HDHP and HSA vs. No-Deductible Plan: The Break-Even Math for 2027 Enrollment

Is an HSA-qualified high-deductible plan cheaper than a no-deductible plan in 2027? It is when premium saved, employer deposit and tax saved beat the extra out-of-pocket. This works out bounds for healthy, moderate and high-use profiles from the 2027 IRS limits, plus a checklist.

Kevin Marchand · Nov 07
HDHP and HSA vs. No-Deductible Plan: The Break-Even Math for 2027 Enrollment
Food & Drinks 8 min read

Cottage Cheese vs. Cream Cheese for Protein: Calories, Sodium and the $2 Billion Boom

How 2% cottage cheese compares with cream cheese, ricotta and Greek yogurt on protein, calories, fat and sodium, using only published figures. Also covers Circana sales since the end of 2022, why there is no price per gram of protein, and who should not switch.

Karim Haddad · Nov 07
Cottage Cheese vs. Cream Cheese for Protein: Calories, Sodium and the $2 Billion Boom
Shopping 6 min read

Real Black Friday Deal, Padded Discount or Scam? Six Checks Before You Pay

Which? found 83% of 175 home, tech and health appliances were cheaper or the same at least once outside the Black Friday period. Six checks help you spot a padded discount or a scam store before you pay, and the piece says what the sources leave unknown for Canada.

Kevin Marchand · Nov 07
Real Black Friday Deal, Padded Discount or Scam? Six Checks Before You Pay
Health & Fitness 9 min read

Do Alcohol Calories Count? The 98-Calorie Floor and What Comes With It

Where the 98-calorie floor per US standard drink comes from, a sourced table of beer, light beer, wine, spirits, seltzer and mixed drinks, what two small calorimetry studies show about fat burning and heat loss, and the drinking-day food effect.

Hiroshi Tanabe · Nov 07
Do Alcohol Calories Count? The 98-Calorie Floor and What Comes With It
Technology 11 min read

RTX 5070 Ti vs RX 9070 XT vs 4080 Super: Which to Buy for a First PC Build

Compares the RTX 5070 Ti and RX 9070 XT on price, memory, power, PSU, ray tracing and upscaling, adds the RTX 4080 Super's specs and launch price where the sources cover it, and gives plain pick-this-if rules and a pre-purchase checklist for a first build.

Hiroshi Tanabe · Nov 06
RTX 5070 Ti vs RX 9070 XT vs 4080 Super: Which to Buy for a First PC Build
Finance 15 min read

Eight Ways Out of a Concentrated Stock Position, and What Each Costs in Tax

Eight ways out of a large single-stock position, from selling in slices to gifts, donations, exchange funds and collars. It covers what each costs in US federal tax and why the risk of waiting can outweigh what you save by spreading a sale.

Marcus Adeyemi · Nov 06
Eight Ways Out of a Concentrated Stock Position, and What Each Costs in Tax
Finance 10 min read

The Wash Sale Rule Moves Your Loss to a Later Year, or Deletes It in an IRA

Ten dip-buying scenarios in one table, with the basis mechanics for averaging down, buying back, partial lots and an IRA repurchase. Also covers the purchases people miss: buying before the sale, DRIP, recurring buys, your spouse's account and the IRA, where the loss is gone for good.

Priya Raghunathan · Nov 06
The Wash Sale Rule Moves Your Loss to a Later Year, or Deletes It in an IRA
Finance 8 min read

VXUS vs VEU vs SPDW vs EEM (Plus IEMG and VWO): Which International ETF Does What

Six international ETFs compared by expense ratio and holdings. Why splitting SPDW with VWO or IEMG barely moves the fee, how South Korea can land in both funds or neither, what to check before adding VEU to VXUS, and why EEM is hard to justify for a long hold.

Karim Haddad · Nov 06
VXUS vs VEU vs SPDW vs EEM (Plus IEMG and VWO): Which International ETF Does What
Health & Fitness 9 min read

Three Dairy Servings a Day for 12 Weeks: What the Trial Shows and Where It Stops

A 12-week, 74-person trial found three daily dairy servings brought no adverse cholesterol or lipid levels, stable weight and unchanged glucose and HbA1c. Here is what it measured, what it can't show about heart risk, and why it doesn't settle the full-fat versus low-fat question.

Camila Restrepo · Nov 06
Three Dairy Servings a Day for 12 Weeks: What the Trial Shows and Where It Stops
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