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Low premiums, more options and greater control. At first glance, health savings accounts (HSAs) seem like a great new weapon in the war against rising healthcare costs, and for many people they might be.
For others, the benefits are far less clear, and for some, the option doesn’t exist at all.
To understand if an HSA is right for you, you’ll need to understand how an HSA works. Legislated into existence in 2003, HSAs are specifically designed to allow individuals with designated high-deductible insurance plans to receive tax benefits for healthcare-intended savings.
According to a recent survey conducted by AARP, less than three-fourths of Americans have a monthly budget they try to stick to. The survey didn't ask how many people were successful with staying on budget, but previous measures suggest that there isn't cause for a great deal of optimism.
Read this article and more in our September issue of Avidia Monthly.
Picking the brains of personal finance experts is one of the best ways to improve your own financial prowess. Attending a seminar would allow you to do this in person; however, most people can’t spare the time or funds needed to make this a viable option. Finding the time to watch hours of financial television and take notes to distill the best tips is also out of the question for many people. Fortunately, many of the most respected personal finance gurus have compiled their best advice into books.
With the cost of secondary education at an all-time high and students becoming increasingly aware of the hardships that come with amassing large debts, finding a great value in a college is more important than ever. The organizations that put together college rankings are aware of this fact and are providing important information that parents and students searching for the perfect school should carefully review.
Read the rest of this article and more in July's issue of Avidia Monthly.