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LOS ANGELES, Calif 鈥?From Advil to Band-Aids, healthcare costs add up quickly. While budgeting for the unexpected may seem like an impossible task, financial experts say health savings accounts can be a game changer鈥?saving you money now and later. Its just an emergency savings bucket for healthcare. Cassandra Rupp The money these accounts hold is growing. Introduced just 20 years ago, HSAs now hold more than $100 billion. Thats up from just $3.4 billion
stanley cup in 2007. Scripps Cassandra Rupp is a Senior Financial Adviser for Vanguard. She says HSAs are also growing in popularity as a tax-free savings vehicle.One of the top perks for using an HSA is less taxes now and later. Triple Tax BenefitRupp says every time you contribute, youre reducing your taxable income. Second, all investment growth is tax deferred. Then third, if you need to use the savings, you can. When you take a withdrawal, Rupp says. If its for qualified medical purposes, then thats going to be tax-free. FlexibilityAnother perk: flexib
stanley cup ility. You can use your HSA money for short or long-term savings. That means, if you need to spend it now, yo
stanley cup u can do that with no issues, with the account functioning as an emergency savings account. In addition, that money may cover more things than you expect. Theres a lot, Rupp says. From over-the-counter medications to Band-aids and first aid to Medicare premiums and long-term care insurance. If you can wait to spen Vhkp Search underway for missing Oregon teen with no phone, money or meds
I know, I know. Youve probably heard all about how you should renegotiate your bills to save money. But thats easier said than done, right Thats why I tried it out. I called up some of my service providers and attempted to cut the cost of my bills.Heres how you can learn from my successes 鈥?and improve upon my failures. Spoiler alert: Be prepared to make sacrifices. Formulate
stanley thermos mug a game planIts a good idea to call up your serv
stanley cup ice providers and subscription services annually to negotiate a better rate, ask about new promotions or cancel unnecessary bills. This is a powerful tool to save money.These tactics can be used for securing a better deal on cable, internet, subscription services and more.First, review all of your recurring payments by identifying charges on your credit card and bank account. Then, decide if you really want or need those anymore.Make a list of the bills you would like to lower or cut out entirely. On my list: Satellite radio, cable, a clothing subscription and a movie loyalty program.Next, look up each companys website. Youll usually find a variety of contact methods, including live chat, text messaging, email and a phone number.While youre searching online, gather information about your current package and pricing
vaso stanley , as well as any new promotions from your current company or competitors that can be used as leverage.Cut out what you dont needSet aside a block of time 鈥?maybe an hour or so 鈥?and work your way through the list.My first call was to our satelli
