Question about transfers between two different HSA I have 2 HSAs, one at finacial institution (HSA 1) where I invest the money, and another which is a random bank (HSA 2) my employer assigned. Can I just transfer money monthly directly from HSA 2 to HSA 1? There is a rollover process but I dont want to do it monthly or miss out on a year of investing if I only transfer yearly. So far from what I…

London Trip Question Best way to get from LHR to King’s Cross and back again for vacation? Going to be my wife and I. We will have 4 luggage’s and two bags. Never been before. We are staying at a hotel near kings cross and it looks like the Heathrow express will take us to paddington and we’d need to Uber/lyft from there. That would be £40. I’m thinking that’s the b…

Question regarding inherited 401k for my mother. Greetings, Question is not for me but rather its for my mother. My father died in 2020, he has a 401k with a 2025 target fund valued over 100k. I am finally helping her with the transfer, my first question is which route would be best for her is she is currently 58, can I help her open an Inherited IRA with a place like Fidelity and transfer to …

Debt question related to 401k I’ve made financial mistakes. I only have 20k in a 401k that I don’t contribute to anymore from my old job. I am nearly 38. I have 15 k in credit card debt. I have a new 401k from my new job for the past year that I don’t have access to yet bc the broker says I have two accounts and the merge is taking time. I’ve been considering cashing out th…

Question about money in my HSA I worked for a hospital 6 years ago and had HSA, I paid some into it myself. I moved from the US to the UK a year and a half ago so obviously I won’t be using it, because of the NHS. I got an email about my HSA statement, I have almost $1,300 in it. Is there any way I can get that money out, even just part of it? If not then it will just sit the…

A question regarding travelling under the age of 18 Next year I want to visit my gf who is going on holiday to Ireland, I’m just beside it in the UK. The problem is that I’ll only be 17 next year and she wont have a place for me to stay, would I be able to travel there to meet her and then travel the next flight back in the same day? Because I won’t be able to stay in a hotel alone if I’m under 1…

Roth recharacterization question if over income threshold? Hello everyone, Appreciate everyone’s insights into this issue and I have done a thorough search (on reddit and elsewhere!) without a clear answer to this and I’m hoping this can help folks down the road as well! Situation: Married filing jointly. Start of 2023 I thought based on our household income we would be close but not over the 230,000 MA…

Question and advice for India Is all of India like Delhi in terms of craziness with harassment? As soon as we come outside our hostel there are guys trying to get us into their tuctucs and rickshaws and one guy who apparently has a helicopter. People stopping us in the street and walking with us for ages trying to get us to go with them or telling us certain streets are clos…

Question about 401k and savings I’m currently going on 32 and starting to look more seriously at my savings. Completely inexperienced with investing and the lingo. I currely make roughly 55k a year. Ive been putting into my 401k for the past 8ish years (before tax 401k deferral) sitting at ~50k. I also have the option for Roth 401k deferral. I don’t see myself moving to a high…

Question about paying minimum on credit card (general question). Question about paying minimum on credit card (general question). I am a math teacher and am thinking about adding onto my finance activity that I do for high school students. In the past I covered as a scavenger hunt (I have the phrase they google search and students find the answers)– factors that impact credit score, credit utilization, age o…

To Upgrade or Replace? That is the question. I am a beginner who has been enjoying photography for a while and the challenge of learning how to get good. I currently have a Nikon d3300 with two kit lenses with a max reach of 200mm. I have been photographing wildlife, birds, and landscapes while on hikes. I also like to take photos of the family. None are good photos, but you got to start s…

Question about visiting the Galapagos I am going to Ecuador for a 4 week school elective and am staying an extra week or so to hopefully visit the Galapagos. This will be in early September. I’ve done some research and I know there are essentially 2 options: 1) stay on an island and take day trips from there – is more of a budget option and may spend a lot of time traveling via boa…

Just One Question for Trump and Vance: What Is Wrong With You People? Say what you will about Biden, but he is not a bully.

Question regarding credit card Hey guys. I want to open my first credit card for A) to build my score a bit and B) I’m short on money for the next month or so. If I were to open a card for like $400 and use most of that money but pay it off well before the 60 day limit, will I be penalized for that? I’m very new to all of this and it wasn’t explained great to me growing up, …

Photography application question? I took a photography class in college, participated in taking photographs at football games when in high school, and have practiced photography in my personal life here and there since then. I’ve done free photoshoots for a few family members and friends as well as landscape and wildlife photography just for fun. I also edit and manipulate my ow…

Question about HSA funds So, I moved and wasn’t going to be close to the bank where my HSA was located, so I closed the account and withdrew the funds. The job I was moving for had a high deductible plan, so I planned to rollover my HSA funds to that account. Well, by the time I moved, that job offer fell through and I got another offer through an employer with a low de…

Disappointed with work; question on etiquette? Hey all. I hired a photographer to take some product photos, and what I got back was absolutely abysmal. No editing, blurry photos, shadows, no touch up, prints and hairs on the product. The photographer came over and spent about 3.5 hours. I am not trying to screw the photographer over, but I feel like I was basically lied to, and the photos pr…

Specific question about paying off my car I owe about $16k on my car over the next 5 years with 7% APR. I have a crypto investment that’s about the same amount, which I’m about ready to sell (an alt coin). It wasn’t as high as it once was but I made a very solid profit on that investment and I’m ready to take a win on it. My thought was to sell that crypto and use the money to pay off …

Question about pension Hello all! I’m looking at a new position in a state-run college. They offer a pension of 6%. 3% from each check and 3% from the govt. My starting rate would give me $1,336 each check before anything comes out. Two checks a month would give a monthly pension accrual of $160. Each year I would accrue $1,920. They say the pension kicks in after 8 …

Pro rata rule question I would greatly appreciate any help on this. Long story short, I completed my first roth conversion for myself and my wife this year(expect to be over the income limit for roth contributions). I also set up a simple ira this year for myself and my wife and have started making contributions(we work for the same company). Can someone explain to m…