Same Philips Norelco ... bought it more than a decade back when landed in USA. Still working like new.

very important topic....following I use Norelco as well.

No one is denying that Oil won't be there. Fyi, I lean Right. Asalu em discuss chestunnamo kuda ardham kaledhu neeku.

I dont have HSA coz my employer pays all premiums and our plan doent qualify for HSA. I have mine in 529. Its a good account to have. You can use them for kids' higher education (not private schooling till 12th grade). Not sure if such a thing exist as you become ineligible, but the funds can be used for kids education. USC kids aithe problem emuntundi?

There is no risk. If there is any change to how its reimbursed, you would know before hand. Regarding RDW, its a gamble if you don't do enough research. For me Apple or Microsoft has higher risk than RDW.