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Pertussis, also known as whooping cough, is a serious illness. It’s highly contagious, can leave you with a hacking cough for months, and is especially dangerous to babies. The CDC reports that cases are on the rise this year. Fortunately, most of us have already been vaccinated against pertussis—but that immunity fades over time. You may need another dose. 

What is pertussis? 

Pertussis, or whooping cough, is caused by a species of bacteria called Bordetella pertussis. The bacteria attach to the inside surface of the lungs and release a toxin that causes tissues to swell. Its characteristic symptom is a persistent, severe cough. 

Pertussis has been nicknamed the “100-day cough” because its symptoms can last that long. “Whooping cough” is named after the sound you might make when gasping for air during a coughing fit. Vomiting, exhaustion, and trouble breathing may accompany the coughing fits; it’s not unheard of to break a rib coughing. For babies, the coughing can interfere with breathing enough to be life threatening. 

The symptoms of pertussis may initially appear the same as for a common cold, with the coughing fits developing over time. It’s also possible for a person who is lucky and has a strong immune system to carry and pass on the bacteria without any noticeable symptoms. That’s why the vaccine is so important—you can spread pertussis before you feel sick, or even without realizing you are sick.

Immunity from the vaccine fades over time

There is a pertussis vaccine, and it’s routinely given in childhood, with the major caveat that babies need to be 2 months old before they can get it. 

There are actually two vaccines: DTaP is given to young children, and it protects against three diseases: diphtheria (the D in the acronym), tetanus (T), and pertussis (aP, for acellular pertussis). There used to be a whole-cell pertussis vaccine, which is no longer used. Older children and adults get a similar vaccine, called Tdap, which protects against the same illnesses but contains smaller doses of the diphtheria and pertussis components. If you’re old enough to read this article, Tdap is the one you’ll get.

Most of us had several doses of pertussis vaccine as children, and if that’s the case, we were protected for years. But the CDC notes that pertussis immunity fades over time. So far, there is no official recommendation for whether or how often to get a booster shot. But a TDaP shot, which immunizes you against tetanus, diptheria, and pertussis, can be given as your every-10-years tetanus protection. Make sure to ask for TDaP specifically, because sometimes a “tetanus shot” only includes tetanus and diphtheria protection. 

Who needs a pertussis vaccine, according to the CDC

The official recommendations, according to the CDC, are for the following people to get a pertussis shot: 

  • Young children need a five-dose DTaP series starting at 2 months of age; the last shot of the series is usually given when they are 4 to 6 years old.

  • Older children need a single shot of Tdap at age 11 or 12.

  • Adults who never got a Tdap shot should get a Tdap shot. This can happen anytime. How about now? 

  • Anyone who is pregnant should get a Tdap shot during the third trimester of each pregnancy. This gives the baby some antibodies against pertussis that can protect them during those early months of life when they are too young to get the pertussis vaccine themselves.

Adults who spend time around babies—such as grandparents and babysitters—aren’t specifically recommended to get a Tdap booster, but many healthcare providers would say that it’s still a good idea. It’s usually fine to get a Tdap shot even if you’ve had one a few years ago, or aren’t sure whether you’ve had one. As always, check with your healthcare provider if you have questions or want to be sure that it’s right for you.


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Hulu's November slate has a little something for everyone: true (and fictional) crime, standup comedy, country music, cake competitions, and, of course, Christmas spirit.

On the Hulu Original lineup is Interior Chinatown (Nov. 19), a drama series based on Charles Yu's titular novel. Jimmy O. Yang plays a character actor who witnesses a crime while playing a background character in a police procedural. FX's Say Nothing (Nov. 14)—also a drama adaptation of a book—is set in Northern Ireland during The Troubles and spans four decades of following the abduction of a single mother of ten.

On the documentary side is The Honorable Shyne (Nov. 18), about the life of Moses “Shyne” Barrow, from his recording career with Sean “Diddy” Combs to his incarceration for a nightclub shooting to his political career in Belize. Vow of Silence: The Assassination of Annie Mae (Nov. 26) is a Hulu Original docuseries about the murder of Annie Mae Aquash, a Mi'kmaq woman, mother, teacher, and activist who was murdered in the 1970s and whose death went unsolved for almost 30 years.

Jim Gaffigan is back with Hulu's first comedy special under its new "Hulu's Laughing Now" brand, which is expected to feature a new special each month. The Skinny (Nov. 22), taped in Boston earlier this year, is Gaffigan's 11th special and covers topics like appetite suppressants and raising teenagers.

For country music fans, there's It’s All Country (Nov. 15), a six-episode Hulu Original docuseries in which singer Luke Bryan highlights important figures and performances in country music history. The series was executive produced by Peyton Manning, who will also be co-hosting the 58th Annual CMA Awards with Bryan and Lainey Wilson—the broadcast will be streaming on Hulu on Nov. 21.

Finally, Hulu is sprinkling holiday spirit throughout the month, with staples like Elf (Nov. 27), National Lampoon's Christmas Vacation (Nov. 27), and A Christmas Carol (Nov. 1); a long lineup of Hallmark movies; and the second of two Family Guy specials (Nov. 25).

Here’s everything else coming to (and leaving) Hulu in November, including complete seasons of NCIS (Nov. 8) and Ally McBeal (Nov. 11).

What’s coming to Hulu in November 2024

Arriving November 1

  • Are You The One?: Complete Seasons 2 and 6

  • Naruto Shippuden: Complete Sesaon 9 (Dubbed)

  • A Christmas Carol (1984)

  • Ad Astra (2019)

  • Aliens (1986)

  • Billy Madison (1995)

  • Carpool (1996)

  • Christmas on the Ranch (2021)

  • Christmas With The Kranks (2004)

  • Chronicles Of Narnia: The Lion, The Witch And The Wardrobe (2005)

  • The Chronicles Of Narnia: Prince Caspian (2008)

  • Crazy Heart (2010)

  • Deck the Halls (2006)

  • Desierto (2015)

  • Downhill (2020)

  • Eddie Murphy: Raw (1987)

  • Ghost Rider (2007)

  • Ghost Rider Spirit of Vengeance (2012)

  • Goodbye Lover (1999)

  • Grown Up (2010)

  • Grown Ups 2 (2013)

  • Hanging Up (2000)

  • Happy Gilmore (1996)

  • Hellboy (2019)

  • Higher Learning (1995)

  • Hitman (2007)

  • Holiday in Handcuffs (2007)

  • Hollow Man (2000)

  • Hotel Transylvania (2012)

  • Hotel Transylvania 2 (2015)

  • I'll Be Home For Christmas (1998)

  • Inherit the Viper (2020)

  • Jingle All The Way (1996)

  • Just Friends (2005)

  • La La Land (2016)

  • The Last Duel (2021)

  • Lazareth (2024)

  • Madea Goes To Jail (2009)

  • The Mistle-Tones (2012)

  • National Treasure (2004)

  • National Treasure: Book Of Secrets (2007)

  • New Year's Eve (2011)

  • The Nutcracker (1993)

  • Operation Mistletoe (2024) 

  • The Personal History Of David Copperfield (2020)

  • Predators (2010)

  • Renovation Romance (2024) 

  • Same Time, Next Christmas (2019)

  • Santa Baby 2: Christmas Maybe (2009)

  • Santa's Little Helper (2015)

  • Second Best (1994)

  • Sonic the Hedgehog (2020)

  • Teddy Kollek (1995)

  • Tigerland (2000)

  • Waitress (2007)

  • The Wedding Planner (2001)

  • Whip It (2009)

  • White Men Can't Jump (1992)

  • Why Him? (2016)

  • Wild (2014)

Arriving November 2

  • Endurance: Special Premiere

Arriving November 6

  • Gangnam B-Side: Two-Episode Series Premiere (Subbed & Dubbed) 

  • A Man Called Otto (2023)

Arriving November 7

  • Adoption Diaries: Complete Season 1 

  • Amazing Wedding Cakes: Complete Season 4

  • America's Cuteset Puppies: Complete Season 1

  • Beyond the Pole: Complete Season 2

  • Beyond the Pole: Living Under Lockdown: Complete Season 11

  • Bid, Build, Design: Complete Season 1

  • Braxton Family Values: Complete Seasons 5B and 6A

  • Bridezillas: Complete Season 13

  • Cutting it in the ATL: Complete Season 1 

  • First Lady of Jamaica: Complete Season 1

  • Ghost Moms: Complete Season 1

  • Her Deadly Night in Paris: Complete Season 1

  • Hoarders: Complete Seasons 8-9 and 15 

  • Holiday Home Invasion: Complete Season 1

  • Hustle & Soul: Complete Seasons 1 and 3

  • John Edward Cross Country: Complete Seasons 2-3 

  • Katrina Weddings: A Second Chance: Complete Season 1

  • L.A. Hair: Complete Seasons 3-5

  • Marriage Boot Camp: Hip-Hop Edition: Complete Season 14

  • Marriage Boot Camp: Reality Stars: Complete Season 11

  • Mary Mary: Complete Season 5

  • My Life is a Telenovela: Complete Season 1

  • Obsessed with the Dress: Complete Season 1

  • Platinum Babies: Complete Season 1

  • Prison Brides: Complete Season 1

  • Raising Sextuplets: Complete Season 2

  • Road Wars: Complete Season 3

  • Secret Lives of Women: Complete Season 4

  • Surrogate Stories: Complete Season 1

  • Tamar & Vince: Complete Seasons 3-5

  • Wedding Gown Secrets: Complete Season 1

  • Madagascar (2005)

  • Madagascar: Escape 2 Africa (2008)

  • Penguins Of Madagascar (2014)

Arriving November 8

  • The Fiery Priest: Two-Episode Season 2 Premiere  

  • NCIS: Complete Seasons 1-11

  • Poolman (2023)

  • The Present (2024)

  • Tooth Fairy (2010)

  • Wild Hogs (2007)

Arriving November 11

  • Ally McBeal: Complete Seasons 1-5

Arriving November 12

  • Selling Super Houses: Complete Season 1

Arriving November 14

  • FX's Say Nothing: Complete Limited Series

  • Flipping Down South: Complete Season 1

  • I Wasn't Expecting a Baby!: Complete Season 1

  • Legends of the Fork: Complete Season 1

  • Seatbelt Psychic: Complete Season 1

  • The Stanford Prison Experiment: Unlocking the Truth: Series Premiere

  • 13 Sons & Pregnant: Complete Season 1

Arriving November 15

  • It's All Country: Complete Season 1

  • Art Gallery: Andy Haynes, Maddie Wiener, Jackie Fabulous (2024)

  • The Backyard: Ralph Barbosa, Kiry Shabazz, Brittany Schmitt (2024)

  • The Cabin: Alec Flynn, Caitlin Peluffo, Garrick Bernard (2024)

  • Parking Lot: Mark Smalls, Robby Hoffman, Darius Bennett (2024)

  • The Taste of Things (2023) 

  • Thelma (2024) 

Arriving November 16

  • Harriet (2019)

Arriving November 17

  • Christmas at the Golden Dragon (2022)

  • Christmas in Evergreen: Bells Are Ringing (2020)

  • Christmas Sail (2021)

  • A Holiday in Harlem (2021)

  • A Kismet Christmas (2022)

  • A Royal Corgi Christmas (2022)

  • The Santa Stakeout (2021)

Arriving November 18

  • Cake Toppers: Complete Season 1

  • "Cookie, Cupcake, Cake": Complete Season 1

  • The Honorable Shyne: Documentary Premiere

Arriving November 19

  • Interior Chinatown: Complete Season 1

  • Drugstore June (2024) 

Arriving November 20

  • Missing (2023)

  • The Son (2023)

Arriving November 21

  • The 58th Annual CMA Awards: Special Premiere

  • American Pickers: Best Of: Complete Season 7

  • The Boarding School Murders: Complete Season 1

  • Celebrity Renovation: Complete Season 1

  • Christmas at the Chalet (2023) 

  • Christmas Wars: Complete Season 2

  • Donnie Loves Jenny: Complete Season 1

  • Downtown Shabby: Complete Season 1

  • History's Greatest Escapes with Morgan Freeman: Complete Season 1

  • Lost Gold of World War II: Complete Season 2

  • Roanoke: A Mystery Carved in Stone: Complete Season 1

  • Secret Restoration: Complete Season 1

  • Ultimate Holiday Feast: Complete Season 1

  • A Cowboy Christmas Romance (2023)

  • Merry Magic Christmas (2023) 

  • Mistletoe Match (2022) 

  • Mom's Christmas Boyfriend (2023) 

Arriving November 22

  • Bia and Victor: Complete Season 1 

  • Jim Gaffigan: The Skinny: Special Premiere

  • Firebrand (2023)

  • The Good Half (2023)

Arriving November 23

  • Sausage Party (2016)

Arriving November 24

  • Southpaw (2015)

Arriving November 25

  • Family Guy: Exclusive Holiday Special

  • Tsunami: Series Premiere

Arriving November 26

  • Vow of Silence: The Assassination of Annie Mae: Complete Docuseries

  • Robot Dreams (2023)

Arriving November 27

  • Elf (2003)

  • Four Christmases (2008)

  • Fred Claus (2007)

  • Jack Frost (1998)

  • National Lampoon's Christmas Vacation (1989)

  • The Polar Express (2004)

Arriving November 29

  • Olympus Has Fallen (2013)

  • Plant Shop: Fahim Anwar, Susan Rice, Derrick Stroup (2024)

  • Speakeasy: Torio Van Grol, Shapel Lacey, Ahamed Weinberg (2024)

  • Thrift Store: Malik Elassal, Emma Willmann, TJ (2024)

  • Tiki Series: Ali Macofsky, Matt Braunger, Sydney Castillo (2024)

What’s leaving Hulu in November 2024

Leaving November 4

  • American Murderer (2022)

Leaving November 7

  • Moonbound (2021)

Leaving November 12

  • Catch the Fair One (2021)

  • The Locksmith (2023)

Leaving November 14

  • The Dinner (2017)

  • Ghost Team (Unrated) (2016)

Leaving November 16

  • Adopt a Highway (2019)

  • Arizona (2018)

  • Beneath the Darkness (2011)

  • Bone Tomahawk (2015)

  • Brawl in Cell Block 99 (2017)

  • The Cobbler (2014)

  • Devil's Knot (2013)

  • I Kill Giants (2017)

  • Mandy (2018)

  • Mary (2019)

  • Once Upon a Time in Venice (2017)

  • Pay the Ghost (2015)

  • Plus One (2019)

  • The Man Who Killed Hitler and then the Bigfoot (2018)

  • The Rewrite (2014)

  • Terminal (2018)

Leaving November 19

  • Dual (2022)

Leaving November 25

  • A Banquet (2021)

  • Mummies (2023)

Leaving November 30

  • A Christmas Winter Song (2021)

  • Hustlers (2019)

  • Three Identical Strangers (2018)


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Many Americans consider their future Social Security benefits crucial to their retirement plans—while for a lot of people with next to nothing saved for retirement, their Social Security benefit is their retirement plan. Though the average monthly benefit is just $1,907—or close to $23,000 a year—that’s certainly better than having no income at all in your later years.

However critical Social Security is to your personal retirement plans, you can't take it for grated. Yes, there’s always the possibility that Social Security will “run out of money” at some point if our elected officials can’t find a solution to its funding issues. But while you can't do much about that, it's worth being aware of the ways you can jeopardize a portion of your benefits—or all of them—under some specific scenarios.

Here are four ways you can lose some or all of your Social Security benefits, even after you’re eligible to claim them.

You wind up in jail or prison

If you find yourself incarcerated for more than 30 days for any reason, Social Security assumes that the government is now paying your bills and will suspend your payments for the duration of your glamorous stay in that facility. The good news is that anyone who gets benefits through your work record (like a spouse) will continue to get their benefits, and you can resume getting yours a month after your release. Still, if you do a five-year stretch somewhere, you’ll have lost an average of about $115,000 that could have landed in your bank account. And if you find yourself in prison for the rest of your life, you might never see a dime of Social Security.

You exceed the income limits

Social Security payments are based on your retirement age. For most of us, that’s age 66 or 67, but you can elect to start receiving your benefits earlier (age 62) or later (age 70). If you wait until you’re full retirement age to retire, you can actually work as much as you want—your earnings won’t affect your benefit. But if you retire "early," you’ll have to be careful until you reach full retirement age.

Retiring early gets you lower benefits (by up to 30%, depending on your age)—and the Social Security Administration is aware that some sneaky folks will “retire” at 62 to get their Social Security and then continue working. So they have this thing called the earnings test, or income limit—if you earn too much money, your benefits are reduced accordingly. The income limit changes annually (currently, it’s $22,320, and next year it’ll be $23,400). For every $2 you earn over that limit during the year, they will deduct $1 from your benefits. It’s possible to earn so much that you wipe out your benefit entirely, although if you’re making that much money, you might not care. And you don’t technically “lose” this money, it’s just deferred—you’ll get higher benefit checks later, once you reach full retirement age. But if you’re counting on that money to pay your bills month to month, be very careful about how much extra income you earn.

You have to pay back taxes or restitution

Some folks are surprised to learn that Social Security payments—which we fund by paying FICA taxes out of our income before we retire—are actually taxed. A fun fact is that if you don’t pay federal taxes and wind up owing the IRS money, they can—and certainly will—levy 15% of your Social Security payment to claw back that money. Your Social Security payments can also be garnished to pay court-ordered stuff like child support, alimony, or restitution. If your life gets real messy after you retire, you can see a significant amount of your benefit diverted to other accounts.

You get remarried

This is a bit niche, but if you receive benefits based on your spouse’s work record, you can continue to receive those benefits even if you get divorced (as long as the marriage lasted at least 10 years). There’s one way to lose those benefits: Get remarried. If you marry someone new, you’ll lose your ex-spouse’s benefits.

Plot twist: If your new marriage ends in divorce as well (or an annulment, or death) you can have your benefits pinned to your prior ex-spouse reinstated.

You give them up on purpose

Finally, there’s a voluntary way to lose your benefits—you can withdraw your application. If you’ve applied for Social Security benefits before the age of 70, you can change your mind within 12 months and file form SSA-521 to request withdrawal of your application. You’ll have to pay back any money you received in that year, but your payments will be suspended.

Why would you do this? If you decide to go back to work and know you’ll exceed the income limit, you can avoid a lot of trouble by asking for a Social Security do-over. And since early retirement means lower benefits, resetting the clock means your potential benefit will continue to grow until you hit age 70, so you’ll get bigger payments later.


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When you're browsing personal finance advice, "boosting your credit score" gets all the hype—understandably so, since credit scores are checked when you’re trying to rent an apartment, or a car, or even when you’re buying life insurance. While credit scores are indeed important, don't overlook the importance of your full credit history. Here's why your credit history carries more weight than your credit score, and how you can use this knowledge to your advantage.

Understanding credit history vs. credit score

Before we dive into the importance of credit history, let's clarify the difference between credit history and credit score:

Your credit history is a detailed record of your past and current credit accounts, including how and when you've paid your bills, how much credit you've used, and any negative marks like late payments or collections.

Your credit score, on the other hand, is a numerical representation of your creditworthiness, typically ranging from 300 to 850, calculated based on the information in your credit history. The key here is that your credit score is derived from your credit history, so let's dive into why that matters.

Why credit history matters more

Simply put, your credit history is the very foundation of your credit score. In fact, payment history alone accounts for about 35% of your FICO score, aka the most widely used credit scoring model. By focusing on maintaining a positive credit history, you're directly influencing the most significant factor in your credit score calculation.

While your credit score provides a quick snapshot of your creditworthiness, lenders often dig deeper into your credit history when making lending decisions. They want to see the story behind the number, including:

  • How consistently you've made payments

  • How you've managed different types of credit

  • Any patterns of behavior over time

Unlike your credit score, which is calculated by credit bureaus using complex algorithms, you have direct control over your credit history. Every payment you make (or miss) becomes part of this history, allowing you to actively shape your financial narrative.

Basically, your credit history can explain circumstances that a credit score alone cannot. For example, if you had a period of financial hardship but have since recovered and maintained perfect payments, your credit history will show this improvement over time.

In the same vein, credit history includes information that might not significantly impact your credit score but could be relevant to lenders, such as:

  • The types of credit accounts you've managed

  • How long you've had different accounts

  • Your credit utilization over time

How to leverage your credit history

Now that you understand the importance of credit history, here's how to actually use this understanding to your advantage:

Review your credit reports regularly

Monitoring your credit history regularly reduces the likelihood that reporting errors (best case) or identity theft (worst case) will derail your financial health—and you can now do this at no cost every single week, indefinitely, through Equifax, Experian, and TransUnion.

Focus on consistent, on-time payments

Since payment history is the most significant factor in your credit score, make it a priority to pay all your bills on time, every time. Here's my guide to the most strategic time to pay your credit card bill.

Address negative items

If you have negative items on your credit report, take steps to address them. This might involve setting up payment plans for outstanding debts or writing goodwill letters to creditors.

Keep old accounts open

The length of your credit history matters. Keeping older accounts open, even if you don't use them frequently, can benefit your overall credit profile. Remember: Closing a credit card, even one you never use anymore, can negatively affect your credit score. Similarly, try to maintain a mix of credit types. Having a diverse credit mix (e.g., credit cards, installment loans, mortgages) can demonstrate your ability to manage different types of credit responsibly.

The bottom line

While your credit score is an important financial metric, your credit history is the true backbone of your financial profile. By understanding and actively managing your credit history, you're not just working towards a better credit score—you're creating a comprehensive financial narrative that can open doors to better lending terms, lower interest rates, and generally better financial opportunities. Focus on consistent, positive behaviors, and your efforts will be reflected in both your credit history and score over time.


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Your debt-to-income (DTI) ratio is a crucial factor lenders consider when evaluating your mortgage application. This number compares your monthly debt payments to your gross monthly income, providing insight into your financial health and ability to manage mortgage payments. Simply put: Lenders use your DTI ratio to determine your borrowing risk. Here's what to know about how your DTI ratio is calculated, and what you can do to put yourself in the best possible lending position.

How to calculate your DTI ratio (and why you should)

A debt-to-income ratio is calculated by dividing your total monthly debt payments by your gross monthly income (aka before taxes). For example, if your monthly debts total $2,000 and your gross monthly income is $6,000, your DTI ratio would be 33% ($2,000 / $6,000 = 0.33).

The main purpose of calculating your DTI ratio is risk assessment. Where your credit score tells lenders how you've managed loan payments in the past, your DTI tells lenders if you have enough money currently available to pay back a loan going forward. A lower DTI suggests you're more likely to manage your mortgage payments successfully. Not only can a lower DTI ratio increase your chances of mortgage approval, but even help you qualify you for better interest rates and loan terms.

Ideal DTI ratios for mortgages

According to the Consumer Finance Protection Bureau, 43% is typically the highest DTI ratio a borrower can have and still qualify for a mortgage. However, lenders tend to prefer a DTI ratio lower than 36%. Ideally, no more than 28%–35% of your total income should go toward servicing a mortgage.

Tips to improve your DTI ratio

If your DTI is higher than desired, it might not be the best time to apply for a mortgage. There's no easy hack here: Your best bet is to pay down your existing debts. Consider asking creditors to reduce your interest rate, which would lead to savings that you could use to pay down debt. Similarly, boosting your income would also improve your DTI ratio. If you're focused on improving your number, hold off on applying for any new credit or loans, since this would negatively impact your DTI ratio.

Remember, while DTI is important, it's not a dealbreaker until you're up around 43%. It's just one factor lenders consider, while elements like your credit score, employment history, and down payment play more significant roles in the mortgage approval process.

For more insight into the navigating the home-buying process, check out my "How We Bought Our First Home" series here. And if you'd like to share your experiences buying your first home, drop a comment below. Maybe you can help paint a wider portrait of what it looks like to navigate the housing market these days—particularly without generational wealth.


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With the increase of people still working from home after the pandemic, finding the perfect monitor has likely been a task on many people's minds. If you're on a budget and are looking for a spacious new monitor that can also handle casual gaming, consider the Samsung ViewFinity S50GC for $199.99 (originally $349.99), the lowest price ever after a 43% discount.

The Samsung ViewFinity S50GC is a 34-inch ultra-wide VA panel monitor with a flat screen that gets you 3440x1440 resolution and a refresh rate of 100Hz. It's not on par with a high-end gaming monitor since it's not curved, but it does have a better refresh rate than the standard 60Hz monitor. The input lag is also much better than a regular laptop, with 5ms of delay. This means your games will look crisper during movements and the timing of your actions will be more realistic.

The 34-inch screen has a 21:9 aspect ratio, so the screen is very long. It can only tilt, unlike many high-end gaming monitors, but it does have a high contrast ratio, high pixel density, and plenty of features that make it a great monitor if you need to get work done. There is a light sensor that adjusts the screen brightness depending on the light of your room, so you don't have to mess with the settings throughout the day. There is also a low-blue light picture preset to not strain your eyes during long working hours and a flicker-free backlight. If you want to have two separate screens at once to make the most use of the wide screen, you can use the Picture in Picture and Picture by Picture features, which let you connect two devices to the monitor simultaneously.


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Art the Clown isn't the only game in town if you're looking for a cheap thrill. In fact, the increasingly successful Terrifier series is going upscale, at least from its humble, $35,000 origins: the latest film in the demon slasher series came in for around a cool $2 million—still cheap, but a far cry from the early days. And no one is likely to say it wasn't worth the extra investment: The third installment opened at #1 at the U.S. box office, taking an axe to the wildly disappointing Joker: Folie á Deux. That movie cost around $200 million and fell to fourth place in just its second weekend. Money ain't everything, even in movies, and horror movies have a long and venerable history of doing a lot for a little. Resourceful filmmakers with access to a bucket or two of fake blood have been able to craft suspenseful and/or horrifying stories with nothing more than a few thousand bucks and, sometimes, a willingness to toss actors into harm's way.

In celebration of Art's triumph over the combined might of the Joker and Harley Quinn, here are 18 other movies that built a lot of horror from precious little cash.

Creep (2014)

I've seen suggestions that the budget for Creep was as low as $500, which seems impossible, but the found-footage film certainly wasn't expensive, and built careers for director and co-star Patrick Brice, as well as co-writer and co-star Mark Duplass. Videographer Aaron (Patrick Brice) shows up at a cabin in the middle of nowhere to help Josef (Duplass) create a video diary for his unborn child—he's dying, he says. Which is poignant, until Aaron's car keys go missing and Josef gets progressively weirder, first in awkward, uncomfortable ways that get progressively more sinister. It's a simple format done well, and with disturbing style—sort of a two-hander play done as a horror movie. The sequel is similarly successful, and done on a similar micro-budget.

Where to stream: Netflix, digital rental


The Texas Chain Saw Massacre (1974)

Budgeted at $60,000, the original Chain Saw movie went over that by various reported amounts, the best guess being that the movie wound up being made somewhere in the $140,000 range—not nothing, especially in 1974, but still firmly on the cheap side. It works, in part, because audiences come away from the movie feeling as though they've seen something far more gory than they actually have; the gritty, dusty, filthy confines of the Leatherface family compound seeping into your soul before the closing credits. Of course, a low budget does come with some trade-offs, including cast safety: Tobe Hooper talked about how each cast member sustained injuries of some sort, and one actor even had his finger sliced open when stage blood just wasn't working. Verisimilitude gone a bit too far, perhaps.

Where to stream: Tubi, Peacock, Prime Video


Skinamarink (2022)

No plot, just freaky vibes in writer/director Kyle Edward Ball's feature debut. An ode to childhood nightmares, it was made for the dream price of $15,000, having begun life as a YouTube channel devoted to recreations of the childhood nightmares submitted by users. What plot there is involves a four-year-old named Kevin who injures himself while home alone with his six-year-old sister, Kaylee. There's little narrative logic in what follows, and it’s entirely easy to understand why the film was polarizing for audiences who, understandably, are waiting for something to happen. Where the film succeeds, and brilliantly, is in recreating the sense of a child’s twilight world, one in which even a familiar home can feel bizarre, unsettling, and terrifying under the right circumstances. Ball takes his time creating that mood, and opens doors on childhood perception that you might have thought were closed forever.

Where to stream: Hulu, AMC+, Shudder, digital rental


Paranormal Activity (2007)

Whatever you think about the series as a whole after about 80 sequels and spin-offs, the first was a legitimate phenomenon and one that kept me, a horror movie junkie, up half the night staring at my bedroom door. Cheap? Sure. Effective? Absolutely. Shot for approximately $15,000 with a two-person cast and static cameras, the film documents the haunting of a typical San Diego home involving a couple of 20-somethings. No gore here, just creepy doings and weird stuff happening while you're asleep. The initial budget was supplemented to the tune of around $200,000 for upscaling and reshoots when it was picked up by a studio, but that's still a spookily paltry budget for a movie that went on to make something like $200 million dollars.

Where to stream: Max, digital rental


Psycho (1960)

Alfred Hitchcock was at the absolute height of his popularity and directorial powers, and studios still didn't want to touch Psycho—seen as lurid and trashy, the higher-ups at Paramount (then Hitch's home base) worried, in particular, what being associated with such a project would do to the reputation of their star director. Determined, Hitchcock worked out a deal to film at Universal using the TV crew from his Alfred Hitchcock Presents TV series, while forgoing his typical fee in lieu of a share of profits. $800,000 wasn't nothing in 1960, but it's as low as any budget he'd worked with in his then-20 years in Hollywood; for comparison, his previous film, North by Northwest, cost 4.5 million. No matter: Psycho, with its corpses, cross-dressing serial killer, and oedipal subtext was among the biggest hits of Hitch's career—and that profit-sharing deal made him very, very rich.

Where to stream: Netflix, digital rental


Carnival of Souls (1962)

A producer and director of those educational and industrial films that we often saw mocked back in the MST3K days, Herk Harvey spotted an old abandoned resort pavilion and was able to rent it for $50. The story of a woman (Candace Hilligoss) who stumbles into a mysterious carnival following a car accident, Carnival of Souls is suffused with brilliantly spooky atmospherics and existential dread, feeling a bit like a Jean Cocteau movie...made for around $30,000. It doesn't look expensive, but it feels rich, predating George Romero's low-budget opus Night of the Living Dead by six years.

Where to stream: Max, AMC+, Tubi, Shudder, Crackle, the Criterion Channel, Prime Video


Spider Baby (1967)

"This cannibal orgy," the opening narration goes, "is strange to behold in the maddest story ever told." Spider Baby is a cult classic bit of southern Gothic trash (that's complimentary) involving the caretaker (Lon Chaney Jr.) of three siblings suffering from a made-up disease that causes them to regress back down the evolutionary ladder once they hit puberty. Ralph is naive but desperately and aggressively horny; Virginia is obsessed with spiders, occasionally murdering unsuspecting visitors by trapping them in webs of her own construction; Elizabeth is the least violent of the three, but helps to cover up the crimes of the rest of the family. Poor Bruno is just trying to hold things together, a task complicated when distant relatives show up to lay claim to the family home. Though filmed three years before its release, this was one of the last films for Lon Chaney Jr.; his health already in decline, the actor took the job for a mere $2,500, one of the film's many cost-saving innovations.

Where to stream: The Criterion Channel, Prime Video


Open Water (2003)

Hard-working couple Daniel and Susan just want to spend some time together, and a scuba-diving trip sounds like just the thing. Until they wander off and the boat leaves them behind. In the ocean. Full of jellyfish and also sharks. It's a brilliantly elegant premise made more believable, and far more intense, with the use of actual sharks in the filming (taking up most of the movie's relatively small budget). The dynamic between the central couple isn't terribly compelling, but you wouldn't want to get too attached to them, anyway.

Where to stream: Max, digital rental


Halloween (1978)

A collaboration between director John Carpenter and producer Debra Hill, Halloween is the dream for any independent filmmaker: Impressed by Carpenter's earlier Assault on Precinct 13 (made for just $100,000), producer Irwin Yablans and financier Moustapha Akkad were willing to give the director a shot at a slightly higher-budget movie, but only if it were to be a Black Christmas-style stalker horror movie. The rest is history: With Carpenter on the scary bits and Hill writing believable teenagers, the movie was a surprising box office hit and an even more surprising critical success. It remains among the most profitable independent movies ever, even without the endless sequels and reboots.

Where to stream: AMC+, Shudder, digital rental


Friday the 13th (1980)

A slightly more expensive movie to make than Halloween, though you wouldn't know it to watch, Friday the 13th rode the slasher wave that the Carpenter/Hill film started to big box office and franchise glory. Of course, it wouldn't be until the second film in the series that our beloved Jason would become the threat, but no matter: Sean S. Cunningham's summer-camp slasher is a lean, no-frills horror movie in which we're introduced to camp counselors only to watch them get murdered in increasingly elaborate ways. It might not be high art, but it does exactly what it says in the tin.

Where to stream: Paramount+, AMC+, Shudder, digital rental


The Blair Witch Project (1999)

The indie hit that opened up a whole new world of low-budget horror filmmaking, Blair Witch took the found footage format and made it into a genre of its own, for better or worse. Filmmakers Daniel Myrick and Eduardo Sánchez created an outline for the film and then left it largely to its cast to improvise dialogue while wandering around in the woods. It shouldn't work, but Heather Donahue, Michael Williams, and Joshua Leonard sell every minute (perhaps because they were genuinely put through the wringer, both during filming and in the years since). From an initial budget somewhere in the $25,000 range, the film earned hundreds of millions, and still manages to creep people out.

Where to stream: Peacock, digital rental


The Innkeepers (2011)

Well before the X series, Ti West directed several acclaimed horror movies that didn't make a whole lot of money but, hey, also didn't cost a ton. The Innkeepers is probably my favorite of the early batch: starring Sara Paxton, Pat Healy, and Kelly McGillis, it's set at the closing weekend of the once-venerable Yankee Pedlar Inn—a real and allegedly haunted hotel in Torrington, Connecticut, where some of the movie was filmed. A couple of slacker desk clerks are overseeing the place while also hoping for some evidence of the supernatural. As you might expect, they get their wish. A solid, effective haunted hotel story with a couple of neat twists.

Where to stream: Peacock, Tubi, Shudder, Prime Video


The Evil Dead (1981)

Though largely serving as a proof-of-concept for the more elaborate and expensive Evil Dead II (a virtual remake), Sam Raimi's original Evil Dead has nasty pleasures of its own, eschewing the very dark comedy that the series would come to be known for. Five Michigan State University students, including Ash Williams (Bruce Campbell, naturally), head off for a weekend at a cabin in the woods(!) in rural Tennessee, where all sorts of demonic activity ensues. The gloriously old-school (and over-the-top) practical effects were crafted on a slim budget without ever looking cheap.

Where to stream: Tubi, AMC+, digital rental


Cannibal Holocaust (1978)

Such was the shock over the proto-found footage style of Cannibal Holocaust that its director, Ruggero Deodato, was charged with obscenity and then murder, the film’s vérité style so convincing that some audiences believed that it was a document of genuine cannibal-related deaths. The quasi-viral marketing campaign, decades before Blair Witch) fed into that belief by keeping the movie’s actors out of the spotlight (until they were needed to clear Deodato's name). All that for $100,000.

Where to stream: Peacock


Hush (2016)

Mike Flanagan's 2011 feature debut, Absentia, was similarly brilliant and made on a shoestring, but my favorite of his early-ish, low-budget works is this slasher—made short before he'd hit it big with Doctor Sleep, The Haunting of Hill House, Midnight Mass, etc. Co-writer Kate Siegel also stars here as a deaf horror author stalked by a killer. Sharp and thoroughly suspenseful, the film makes great use of the lead character's deafness without ever treating the resourceful writer as an object of pity.

Where to stream: Shudder, AMC+, digital rental


A Nightmare on Elm Street (1984)

I tried to cap budgets on this list at around a million dollars or so, even though you could go much higher and still consider a movie low-budget. I'm making an exception for Wes Craven's masterpiece, A Nightmare on Elm Street, which came in at about $1.8 million. That's still not a lot of money, and seems shocking given all that Craven was able to accomplish here: elaborate dream sequences, set pieces involving buckets of blood and rooms on gimbles, fights, fires, and even a couple of name actors in John Saxon and Academy Award nominee (for Nashville) Ronee Blakley. Oh, and let's not forget Robert Englund's iconic Freddy makeup. It seems impossible that this polished and acclaimed horror movie was made for that amount of money but, of course, Craven had experience in doing a lot with a little in films like The Last House on the Left and The Hills Have Eyes.

Where to stream: Max, digital rental


You're Next (2011)

Erin (Sharni Vinson) accompanies her boyfriend to his family reunion in rural Missouri—a terrifying scenario right from the start, but, believe it or not, it gets worse. Intruders, one in a fox mask and one in a lamb mask, start killing family members who are forced to hide and defend themselves with help from resourceful Erin. It's a sly and well-executed slasher from director Adam Wingard, with a clever twist.

Where to stream: Netflix, digital rental


Terrifier (2016)

Art the Clown begins here, with this $35,000 slasher that introduces the demonic killer clown at the outset of his increasingly gory multi-movie killing spree. Each movie in the series has cost a a bit more, while also performing significantly better at the box office. With Terrifier 3 already doing big numbers, and getting solid critical reviews, a fourth movie is on the way.

Where to stream: Peacock, Tubi, Prime Video


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