Employer Insurance: HSA vs EPO

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Employer Insurance: HSA vs EPO Hello, I’m M35 married to F30 and we have two children 5 and 4. We’re a single household income of 65k. I’m debating whether the HSA or EPO provided by my employer would be the better option for us? I’m attaching the “compared plans” from their site tool. None of us have any health conditions. My wife and I rarely do checkups. Our kids go to the…

Reddit Personal Finance 1.3k 2024-11-07

Roth contributions and conversions…need help!

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Roth contributions and conversions…need help! Hi all, I run a one man S-Corp consultancy, generating approximately $350k/yr. Im single head of household (if that matters). I’m finally in a position to effectively contribute and boost my retirement savings, but feel confused by the various nuances, so looking for some guidance. I believe a solo 401(k) is the right product to setup vs a SEP a…

Reddit Personal Finance 1.3k 2024-11-13

Can I give my pension to my dad?

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Can I give my pension to my dad? Hi I (24f) am a teacher, I have been teaching for a few years and I know this is the career for me because despises it’s difficulties I absolutely love it! Before I was a teacher I worked in a job for a year with a good pension scheme and also contributed some from my wages (not loads I was 18). I have a small pension from this which won’t reall…

Reddit Personal Finance 1.3k 2024-05-10

Guadalajara – Primavera 2024 (Spring 2024)

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Guadalajara – Primavera 2024 (Spring 2024) Guadalajara is a very underrated city. The Centro Histórico area was beautiful. The Colonia Americana neighborhood was full of old mansions, cafes, galleries, restarants and bars. The food scene was delicious and the people were very friendly. Though it’s not as “international” as Mexico City it has a lot to offer. Speaking some Spanish will al…

Reddit Travel 1.3k 2024-05-16

Is it smart to have a Traditional and a Roth 401k?

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Is it smart to have a Traditional and a Roth 401k? I live in a state that has income tax and make $15 an hour full time. My company matches up to 3% of my check. If put 3% each into a pre-tax and a roth account, that’s twice as much as I need to put to get matched. My question is since I’m in a low tax bracket would it be smart to do just a roth? Or since I don’t want to take my money out until …

Reddit Personal Finance 1.3k 2024-06-10

My grandmother died and is still receiving pension payments

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My grandmother died and is still receiving pension payments So my grandmother died a little over a year ago. She has been, and still is, getting pension payments deposited into her checking account, on which my name is attached. My uncle – her son – hasn’t bothered to take care of it at all, and my mom (no relation to grandmother) is refusing to do it because she feels that it isn’t her responsibility. M…

Reddit Personal Finance 1.3k 2024-06-11

Robust stands for light?

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Robust stands for light? Hi, I got a Godox SL60IIBi light and a Godox Softbox 90cm, but none of my stands fit well in terms of weight. I do music, so I have a lot of different stands for mics, but every single one of them just can’t handle the weight and the Godox with Softbox just leans over. I’m genuinely scared to use it because I feel like the stand is about to crac…

Ask Photography 1.3k 2024-06-13

Macro photography advice?

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Macro photography advice? I’m looking into getting into extreme macro photography, but cheap. Currently I have a 50mm f1.8 lens and Sigma APO 70-200mm F/2.8 EX DG OS HSM lens. I have a raycox, can’t remember which one, extention tubes and magnification lens.I know I need a flash and a diffuser as well. I currently have a Canon 90D. Anything cheap (around £180) really to …

Ask Photography 1.3k 2024-06-19