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How Does a Health Savings Account Work?
A Health Savings Account (HSA) allows the owner to save (and invest) money in an account, which can be used to pay for health expenses on a tax advantaged basis.
Generally speaking, your contributions to a HSA are tax deductible, the earnings grow on a tax deferred basis, and you can withdraw the money tax free if used for a qualified health expense. As 2016, you are allowed to contribute $3,350 (for individuals) and $6,750 (for families) to the account, plus an additional $1,000 if you’re over 55.
If you withdraw the money and use it to pay non-health related expenses, you’ll be subject to ordinary income taxes on the monies, plus a 10% penalty if you’re not over 65. In order to open and contribute to an HSA, you must have health coverage that is part of a high-deductible health plan that is HSA eligible.
Who Can Participate in an HSA?
Where Should I Put my Healthcare Savings?
What Should My First Savings Vehicle Be?
What Does Medicaid Cover?
Medicaid will cover many things, but it is reserved for those without enough assets to get such care on their own or…
How Do I Know that Life Insurance Companies are Reliable?
Life insurance that have not been around more than 20 years may not be reliable. Even the ones that have been around 30
What is Turnover Ratio?
Turnover ratio is a term that can be used in reference to the rate at which a company goes through its physical inventory
What is commodity-product spread?
The commodity-products spread is the difference in prices between a raw material and a product made from it
Where Do I Find a Financial Advisor?
A financial advisor can be found through an online search, at events, or through the recommendation of friends
What is the right mix of assets for me?
There is no such thing as a mix of assets that is right for everyone. It depends on your age, employment situation...
What is the MSCI World?
The MSCI World is perhaps the most well regarded index for global stocks. The index is maintained by Morgan Stanley
B-/B3 — credit rating
The rating in question here, B3/B-, is on the low end of the “Highly Speculative” subset. Risk of defaulting is over 20%
What is the Descending Triangle (Bullish) Pattern?
The Descending Triangle pattern is formed when a stock price establishes a support level and bounces off that level
Is there any truth to saying “sell on Rosh Hashanah, buy on Yom Kippur?”
An old saying stipulates that you should sell your positions on Rosh Hashanah, and establish a new position on Yom Kippur