In my experience, dental insurance is mostly a joke. What we need is insurance for major out-of-pocket expenses - root canals, tooth replacement, oral surgery. What it provides is checkups, an Xray, and discounts for cavities. Yeah, thanks - but I can mange those out of pocket.

All of that to say, look carefully and see if changing or waiting for insurance is worth it. You might just need to go ahead and do what you can afford today, and then more as you can save up.

Internet providers are not city wide. It depends on your neighborhood, really. You can go to https://broadbandnow.com and enter your zip code and get the available providers. However, not all will have cable run in your neighborhood - you are still going to have to call or go to their websites to see if it is available.

Are you keeping a spreadsheet?