What a month for healthcare news. This week the Consumer Financial Protection Bureau (CFPB) finalized a rule that will prevent medical debt from impacting consumer credit scores. The policy, set to take effect in mid-March, represents a hopeful shift in how medical debt is treated in the financial system.The CFPB estimates that approximately 15 million Americans will benefit from this change, with credit scores expected to increase by an average of 20 points. This adjustment could have far-reaching implications for consumers' ability to secure loans, rent apartments, and even obtain employment, as many employers consider credit scores during the hiring process.Understanding the new ruleThe policy specifically prohibits lenders and credit reporting companies from incorporating medical debt information into their lending and credit reporting decisions. This change acknowledges the unique nature of medical debt, which often results from unexpected health emergencies rather than poor financial management.Naturally, with last month's UnitedHealthcare CEO killing, the cruelties of the American healthcare system have been top of mind. This new rule addresses a persistent challenge in the American healthcare system, where medical debt has become one of the leading causes of personal bankruptcy. Unlike other forms of debt, medical expenses are often:Unexpected and unavoidableNot reflective of a person's willingness or ability to pay other billsSubject to complex insurance processes and billing disputesPotentially inaccurate due to billing errors or insurance coverage issues"People who get sick shouldn't have their financial future upended," CFPB Director Rohit Chopra said in a press release, highlighting the bureau's commitment to protecting consumers from the long-lasting financial consequences of medical expenses.What this means for youFor individuals currently struggling with medical debt, this policy change could provide several benefits:Improved access to credit at better interest ratesEnhanced ability to secure housingBetter employment prospects with companies that review credit historiesReduced stress about the long-term impact of medical bills on financial healthThe rule is scheduled to take effect in mid-March, and it's not clear how President Trump will handle it. Assuming the rule goes forward unimpeded, consumers still may not see immediate changes to their credit scores. Credit reporting agencies will need time to implement these changes, and the impact may be gradual as the new policy is rolled out.However, it's important to note that while this rule prevents medical debt from affecting credit scores, it doesn't eliminate the debt itself. You should still work with healthcare providers and insurance companies to manage and resolve medical bills.The CFPB's decision reflects a growing recognition that medical debt should be treated differently from other forms of consumer debt, potentially paving the way for further reforms in how healthcare costs impact Americans' financial well-being. Hopefully, we can keep separating healthcare needs from financial consequences.

We may earn a commission from links on this page.Youve finally invested in a few high quality knives. You wont regret it. Not only will a good knife make cutting easier, but the materials used will ensure your knives stay sharper for longer. (Unlike the set of knives in the molded plastic box that cut like spoons after six months.) But like any important tool, youll get more life out of those knives with periodic maintenance. There are two things you should do to take care of your knives: honing and sharpening.What is honing? Credit: Allie Chanthorn Reinmann Honing your knife should be part of your casual, frequent knife care. Its like updating your phonethere are routine bugs to fix. Chefs in professional kitchens who use their knives for hours, cutting a range of ingredients, will hone their knives every day, maybe even a couple times a shift. If youre cooking one or two meals a day, your knife will need to be honed one or two times a week.Honing a knife is different from sharpening. When you use a knife, the metal on the edge of the blade gets dinged-up, especially when you run it along tough surfaces, into a cutting board, or through bone or cartilage. Thats just fine, but if this happens repeatedly (like in daily use), the blade becomes less sharp. Honing realigns the microscoping metal teeth on the blades edge so they all face the same direction, for more precise cuts and less required force. Sharpening is a completely different action that actually removes metal from the blade (more on that later). Ive written out the steps, but to see honing in action, you can watch a video where I show you how to do it.How to hone a knifeHoning is simple, but it takes a little practice because it feels weird at first. Though, if you make it a regular habit, you will be rewarded with clean and easy cutting.Know your knifeYoull need a honing steel, and the average one will run you 15 to 30 bucks. In a nutshell, youll be running the length of the blade against the steel at a specific angle. Depending on your knife, youll do this on one side or both sides of the blade. Most Western knives are sharpened at a 16- to 24-degree angle and beveled on both sides. You can look up the specs on your knife to find out these details. The bevel is visible to the naked eye; just take a gander at the blade and you can see if both sides slope toward the edge, or if one side is flat.Find your angleSet a cutting board securely on a countertop. Hold the steel perpendicular to the cutting board, with the tip pressing against the board, and the handle in your non-dominant hand. Hold the knife in your dominant hand and find the angle. The easiest way to find the angle without a protractor is to hold the knife at a 90-degree angle to the rod, as if you were about to cut the honing steel in half. Then move the spine of the knife upward to split that angle in half to 45 degrees. Split that angle and youre at roughly a 22.5 degree angle (adjust as needed to find the angle specified by your knife manufacturer). Youre also a human, so this angle is an estimate, and thats okay. Credit: Allie Chanthorn Reinmann Hone both sides of the blade equallyOnce youve found the angle, run the blade down the rod, dragging the blade toward you as you bring it down to the cutting board, from heel to point, with gentle pressure. Repeat this on the other side of the blade. Alternate honing the two sides of the knifes blade until youve honed each side eight to 10 times. If your knife has a single bevel then you would only hone that one side.Do this as often as youd like, aiming to hone at least a few times a week if you cook a lot. Be sure to wash your blade after honing to remove any tiny pieces of metal. Your knife should maintain an optimal sharp edge. Here are some good honing steels for reasonable prices:Henckels 10-inch Classic Precision Honing SteelWsthof 9-inch Honing SteelThree ways to sharpen kitchen knives Sharpening a knife is a little more involved than honing, but you dont need to do it as frequently. If you use your knife a lot, you may want to sharpen it every six months; if you use it now and then, you can sharpen it maybe once every other year. I use some of my knives daily, and with frequent honing, they only need to be sharpened every eight months or so.You have a few options when it comes to sharpening. You can bring your knives in to a professional, or mail them out to be professionally sharpened. You could also do it yourself with either a pull-through sharpener, automatic electric sharpener, or a whetstone.How to use a pull-through knife sharpenerPull-through sharpeners are rather small, with one or multiple v-shaped cut outs. Theyre attractive to beginners because they dont require any skill. Simply stick the blade in at the heel and pull toward yourself to end at the point. Some sharpeners will have a coarse grit to start and fine grit to finish.The trouble with pull-throughs is they can remove more material than is necessary off the knifes edge, possibly weakening the blade and shortening the knifes lifespan. They also have set angles, which can be good if youre unsteady on your own, but bad if your knifes edge needs to be sharpened at an angle that is different from the one set by your sharpener. If youre on an extremely strict budget, or refuse to learn how to sharpen any other way, this might be the best option for you.Pull-through sharpeners are affordable and take up little space in the kitchen:Zwilling Pull-through Knife Sharpener with Asian or Western anglesHenckels Knife SharpenerHow to use an electric knife sharpenerInstead of a coarse, static edge peeling off layers of metal, electric knife sharpeners have a series of rotating wheels with different grit counts that steadily buff the metal off your knifes edge. The mechanism pushes the knife along, which can help if youre not sure how fast or slow to pull the knife through. Starting on the coarse end, and moving incrementally to the finer grits, simply place the knife blade into one of the slots, starting at the heel end, and steadily glide the blade through to the point.Like a pull-through sharpener, the electric sharpeners have set angles, but newer models are said to be less aggressive when it comes to stripping excess material off the knifes edge. Note that some user complaints center around inconsistent sharpening from the blades heel to point. Since the shape of the sharpening notches doesnt accommodate a knifes bolster, its easy for the sharpener to skip past that part closest to the heel. However, if you need to sharpen your knives quickly and frequently, or arent comfortable with a the idea of a whetstone, this might be the option for you.An electric sharpener can have the biggest footprint and a wide price range:Presto EverSharp Electric Knife SharpenerChefs Choice Electric Sharpener with Diamond Abrasives Credit: Allie Chanthorn Reinmann How to sharpen a knife with a whetstoneThe whetstone method is the traditional way to sharpen a knife. It takes a little longer than the other two methods, but you get to control how much metal comes off, and the angle isnt locked in by a machine. For a beginner whetstone, any of these will do the trick:Sharp Pebble Premium WhetstoneRoyal Craft Wood WhetstoneWhetstone Cutlery WhetstoneA whetstone is a rectangular stone with two sides. One side has a coarse grit. Flip it over, and youll see the other has a finer grit. (Its not like touching the sidewalk though, both sides will feel smooth to your fingertips.) The sides are labeled by their grit count, and they can range from as coarse as 400 to a smooth 8000-grit polishing stone. For starters, one whetstone with a coarse and fine side is plenty. Ill go over the steps to sharpening next, but if youre a visual learner, check out my video on the topic. Credit: Allie Chanthorn Reinmann 1. Soak the stone in waterTo sharpen a knife with a whetstone, youll first soak the stone in water to saturate it. I usually plop it in a loaf pan filled with water and go do something else for an hour, but 20 minutes is fine. Set up the stone, with the lower grit count facing up, on a dish towel (this will prevent water from drenching your table and stabilize the stone), with the pan of water within arms reach. Splash a handful of water on the stone to make it slippery.2. Find your angle and pullPlace the blade toward the top of the stone (farther away from you), with the blade facing away from you. Holding the knifes handle in your dominant hand, find your angle. Use the same method as mentioned in the honing sectionplace the knife at a 90 degree angle and then reduce it. Start with the knifes heel on the stone. Using your non-dominant hand to apply pressure to the edge of the blade, draw the blade back toward you at an angle so all parts of the edge eventually drag against the stone. The knife will never come toward your body, it will move toward your hip on your dominant hands side.3. Even out the sides of the bladeRepeat this a few times, splashing water on the stone periodically to keep it slippery. Flip the knife over and sharpen the other side of the blade the same way for the same number of passes. If I havent sharpened a knife in a year, Ill usually do 10 passes on each side of my knife. If your knife has never seen a whetstone during its time on this earth, you should do the count-down method to ensure a sharp edge: Start with 10 passes per side, then do nine per side, then eight, seven, and so on.4. Switch to the finer grit sideOnce youve finished both sides, flip the whetstone to the fine grit side and do it all over again. This side will smooth out the sharpening you did with the coarser side. When youre finished, wash your knife off and youre ready to chop.These sharpening methods only address your straight edged knives, serrated ones have a special shape and should not be sharpened with any of these tools, including the whetstone. Each mountain and valley of a serrated edge needs to be specifically sharpened, or youll lose those teeth. In this case, and with any knife that has an unusual edge, bring it to a professional, make sure your knife gets sharpened to its specifications. Part of being an adult is knowing when to outsource.

CES 2025 is nearly over and the Engadget team has tried out a plethora of new gadgets and experienced innovative tech over the past few days. CES is known for setting the stage for the forthcoming year in tech, with lots of prototypes on display and always a few pieces of vaporware that never materialize. The gear you can actually buy immediately is typically few and far between, but this year there are a number of gadgets on sale (or available for pre-order) right now. Those range from a smart baby bouncer and bassinet to smart glasses and Wi-Fi 7 routers. If youre keen on becoming an early adopter, these are the CES gadgets you can buy right now. This article originally appeared on Engadget at https://www.engadget.com/17-ces-gadgets-you-can-actually-buy-right-now-170544033.html?src=rss

The worlds biggest tech show is approaching its end, and its been hard. Mostly. But its not without its perks. Perhaps you got to sit in and experience the first CES press event inside the fully screened Sphere, or maybe youre getting a lovely facial treatment that combines cooling plates with LED light therapy, creating photos that will haunt you for the rest of your professional career? Or perhaps youre fleeing the violence and fungi of The Last of Us universe in an immersive experience. (Work hard, play harder.)Deputy Editor Cherlynn Low at CES. Oh wait, no.EngadgetIts not just upgraded laptops and TVs even if plenty of those have broken cover. And stay tuned: Were selecting our nominees for the Best of CES what is your pick? (And why isnt it this solar beach umbrella?) Mat SmithGet this delivered daily direct to your inbox. Subscribe right here!The biggest tech stories you missedThis spinning VR chair at CES 2025 somehow didnt make me feel like throwing upLGs OLED evo TVs for 2025 come with AI and a 165Hz refresh rateFaraday Future pitches a fresh start with a minivan prototype at CES 2025This is a battery-powered plug-in induction ovenDelta changed the game for CES press conferencesWhere are your indoor fireworks, Samsung?EngadgetThis week, Delta was the first company to host a CES press conference, or as the emcee called it, a show, at the Sphere in Las Vegas. Youve likely heard about the high-tech venue, which usually hosts immersive concerts rather than trade show events. The multi-sensory experience has interior and exterior surfaces draped in LED displays and offering 4D effects like wind and smells. And Delta put all of those to use. Apple, Google, Sony and the rest of you, its time to up your game.Continue reading.The best CES gadgets you can actually buy right nowGot money to burn?While a lot of the most significant announcements at CES arent going to land until later in 2025, there are a few cool things you can already order. Like Ankers rebalanced four-port charger, which can output 140W and has its ports on the top/bottom, making it less likely to fall out of your power outlet. Segways first e-bikes are also available to pre-order if youre feeling spendier, although specific pricing remains a mystery.Continue reading.This mechanical keyboard is built for pure, unadulterated writingThe latest Freewrite has some quirky features and a bright red joystick.EngadgetAstrohaus has been making its distraction-free writing tools under the Freewrite name for about a decade. Until now, they were standalone single-purpose devices simply for drafting text, but the Freewrite Wordrunner is a keyboard designed specifically with writers in mind. The function row has been replaced by a custom set of keys, which includes find and replace, undo and redo, paragraph up and down as well as back, forward and reload keys. The device will launch with early bird pricing on Kickstarter in February, but we dont know the price yet.Continue reading.This article originally appeared on Engadget at https://www.engadget.com/general/the-morning-after-engadget-newsletter-121554301.html?src=rss

RollAway combines the luxuries of a high-end hotel with the freedom of camping, all in a drivable, eco-friendly package. RollAway is a camper-van rental service that offers an on-demand concierge who can plan your trip, direct you along the way, provide tips about the best spots to visit, and keep your space equipped with five-star amenities. The van has a seating area that transforms into a queen bed, a kitchen with a sink and dual-burner stovetop, a shower, toilet, lots of storage, and a panoramic roof. When the vans rear rolling door is pulled down, it acts as a screen for the included projector. But thats just all the built-in stuff. RollAway also comes with a lineup of top-tier amenities, including Yeti coolers and cups, Starlink satellite Wi-Fi, locally sourced breakfast packages, Malin+Goetz toiletries, fresh linens, and a tablet loaded with hospitality services. The tablet gives you access to a live virtual concierge and the Hospitality On-Demand app, which houses your itinerary, room service and housekeeping requests. In the future, RollAway will offer a full housekeeping service, but that feature isnt live quite yet. RollAway Best of all, RollAway is a sustainability-focused, zero-emissions endeavor. The vans are fully electric, courtesy of GMs EV subsidiary BrightDrop, and they have a single-charge range of more than 270 miles. They also have a fast charging option. The vans have solar panels, a waterless toilet, and low-waste water systems for serious off-grid trips, or they can be fully hooked up at RV sites. We took a quick tour of a RollAway van at CES 2025 and found it to be as luxurious as advertised. The kitchen table slides into the seating area when its not in use, creating a fairly open hangout space at the very back of the van. The kitchen felt plenty large for camping purposes, and the most cramped space was the bathroom, which held a toilet and a sliver of a hand-washing sink. All of the finishing touches seemed sturdy and looked sleek. We were deeply tempted to drive right off the show floor in the thing. Engadget RollAway just started booking trips in late 2024, and the service is almost fully reserved throughout 2025. Reservations cost around $400 a night. Its available only in the San Francisco Bay Area for now, but more cities are coming soon. RollAway had a successful funding round on Indiegogo in 2023, raising more than $47,000 of a $20,000 goal. This article originally appeared on Engadget at https://www.engadget.com/transportation/evs/rollaway-is-a-rentable-ev-camper-van-with-a-concierge-service-and-luxury-amenities-130025021.html?src=rss

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Microsoft would like President-elect Donald Trump to make sure that U.S. artificial intelligence policy in the next four years will support its goals.