You're going to want to have something more than just a dollar amount paid out of pocket. Some sort of explanation of the charge is necessary when filing an expense claim, so you should do your best to get a record of that. If you buy HSA eligible items at CVS/Walgreens/etc., the itemized receipt will often include a subtotal for HSA eligible expenses. If you visit the doctor and have any out of pocket payments, staple the payment receipt to whatever printout explaining the services received that you get. Then throw it all in a large envelope for later use whenever it is most beneficial.
My mom got breast cancer when she was 39. It was only within the last decade that she found out she had the BRCA mutation. Like I said, I juggs’d my research, but her insurance has been trying to kick her off coverage for any minute detail ever since, and really ramped up their efforts after the BRCA revelation (I’m employed by her and so my insurance is under her small biz policy). Just seems there’s some wild shit that could occur
but how does that specifically relate to HSA? I would expect any insurance plan to try to fuck one over with something like that. HSA is just another high deductible insurance plan.
HSA is just a way to save taxes on money spent for medical expenses if you are on a high deductible plan. You can save money into the account before taxes and when it is spent on medical expenses you aren't charged taxes then either. You can choose to invest it in whatever funds your provider allows and any growth is also tax free. Some people choose to pay for medical expenses out of pocket and just invest the HSA funds and let it grow. If you save your receipts, you can use them to get reimbursed whenever you want, so it can be treated like a little bit of an emergency fund.
I have a very small amount of shares in a stock and it pays out dividends so I get a check for 20 cents every quarter. Appears I can't set it to re-invest the dividends so I'm going to keep getting 20 cent checks lol. Forget it, I just sold the shares.
What should I do with HSA investment money Seems I have a lot of options in TD Ameritrade I was looking at some Vanguard funds but goddamn TD Ameritrade charges $25 fee per order
I wish I remembered the exact details but I have a Roth setup at TDA and the fund I have setup to be purchased automatically had a transaction fee on it, but I called them to setup the bi-weekly purchase and that made it so I didn’t pay a fee. I wish I knew WTF the reasoning was, my GF works there so she told me to set it up over the phone and made it seem like doing it that way you can avoid the fee. I can try to ask her tomorrow.
I'm admittedly dumb about this stuff but why aren't people buying TWTR at 48.94 knowing they'll get a guaranteed 7%?
Just the risk of the deal falling through (pretty low odds at this point). Tesla being down 10% today doesn’t help the outlook.
I’m basically just mad at myself that I wasted so much time thinking about the markets and my portfolio the last 18 months just to break even. It’s quite depressing how much emotional energy I spent.
Presumably he means that your attention and effort enabled you to break even, rather than being deep in the hole.
My tax loss harvesting notifications have been firing up again. Not the alert I like to receive! Did pickup some SentinelOne yesterday in my trading account. First buy I’ve made in some time.
I was up like 30% the first day, now I’m basically just hoping that the company exists in like five years lol
I assume the rate adjusts every six months automatically, so if I buy some this week, it’d just increase to the 9% or whatever when it changes in May?
Before April 29, you get the current rate for six months and then the new rate for the six months after that It’s weird
So it lags behind by six months? Is that always how it is, or just a timing thing with buying so close to the next change. Might put some money into one tomorrow, even if it’s just for a couple years and I forfeit 3 months of interest.
The rate changes every may and November. When you buy, you get the current rate at the time for six months, then the next rate for six months and so on. So if you buy may 1, you get the new rate that changes on may 1. You buy before, you get the current rate right now but last day is April 29 I’d assume bc that’s the last business day. Pretty positive those are the correct dates
Apple is the one I’m most interested to see, it’s the bellwether. I want to know a couple things, are people pulling back on buying iPhones/Apple products in the face of inflation and two what type of impact the lockdowns in China are having to their production/supply chains.
Exactly this. If the assumption is he made a bunch of sly moves to break even, imagine where he’d be if he didn’t make those moves.
Also if I get it before the 29th you get credit for April for the 3 month interest penalty when you redeem within 1-5 years. So you get an extra month pretty much free
Other than a complicated method that is probably not applicable at the moment, there's only one way to buy - setting up an account at TreasuryDirect.gov to buy directly from the Treasury. Cash only, can't do it through an IRA/401k/etc. and no 3rd party sellers Step by step process: https://thefinancebuff.com/how-to-buy-i-bonds.html Additional info worth reading before buying: https://thefinancebuff.com/how-to-buy-i-bonds.html Takes less than 15 minutes, start to finish, getting the account set up and making the purchase. Apparently making any bank account changes after the initial setup is a PITA, so double check to make sure all the info is correct
I haven't thought about TDOC in a while, but pretty sure I last had an option or something in the $200C range. Good lord it has been crushed
im very confident at two separate times the FOMO of ARKK returns almost got me which is what you might be referencing if I posted about it in here