Author: troyashbacher

The IRS provided guidance Tuesday on new tax benefits for health savings accounts (HSAs) that include allowing bronze and catastrophic plans to be considered HSA-compatible under Sec. 223. The changes, which were part of H.R. 1, P.L. 119-21, commonly known as the One Big Beautiful Bill Act, generally expand the availability of HSAs under Sec. 223 and were outlined in Notice 2026-05. Sec. 223 allows an eligible individual to establish an HSA, which is a tax-exempt trust or custodial account that can receive tax-favored contributions by or on behalf of the individual. The individual then can use those contributions on…

There is a great deal on Otterbox iphone cases and accessories today from Target.  You can save 50% off phone cases, ipad cases. Apple watch bands, airpod cases, screen protectors and more.  There are options for Samsung or Apple and there are a ton of styles and colors.  These are super premium cases and the price is roughly $19.99 today with discount.  If you have a teen this would be a great stocking stuffer.  If you have children that are getting iPads for Christmas, this is also a great option to keep the device safe.   The sale is today only. …

Planning for retirement usually starts off simple — plugging numbers into a retirement calculator only takes a few minutes — but can quickly grow more complex depending on your assets and financial situation. What is a retirement financial planner? A retirement financial planner is a financial advisor who specializes in helping clients plan for retirement. Specifically, retirement financial planners can help people create a retirement savings and investment strategy prior to retirement. Closer to and during retirement, the focus may shift toward figuring out a withdrawal plan while also accounting for other factors, such as Social Security, Medicare, and required…

Ultrapure water is scarce — and Big Tech has to have it for AI and semiconductors.

One last daily deal from Target is a flat screen 55″ tv for $169 today.   The brand is called Hiro and the tv is in 4k with Roku streaming.   Looks like this TV is on sale today only, while supplies last.  This would be a great tv for a bedroom or garage/workout space or new apartment.   You can click here to take a look.

The new Bitcoin token is photographed on U.S. $100 bills.Sopa Images | Lightrocket | Getty ImagesA new exchange-traded fund from Bitwise that began trading Tuesday will give retail investors and financial advisors access to a broad range of cryptocurrencies in one shot, as opposed to the ETFs so far that have mostly just tracked just one or two cryptocurrencies.The Bitwise 10 Crypto Index ETF (BITW) holds the following 10 digital assets: Bitcoin, ether, XRP, Solana, Chainlink, Litecoin, Cardano, Avalanche, Sui and Polkadot. The conversion makes BITW the first ETF by a major crypto asset manager to include Avalanche, Sui and…

These Ralph Lauren plush blankets are a really nice extra layer for a bed or the twin size can be a really nice extra large throw for watching tv etc..  I have several of these on each of the beds and a twin size one I toss on the couch when our dogs are on the couch.  You can choose from a few color options and it looks like the twin size is $23, queen $27 and king is $30.   Click here to take a look.  

Do you have or are you thinking about opening a Flexible Spending Account (FSA)? Here’s a potentially good reason to consider it. The IRS recently raised the limits on tax-advantaged healthcare and dependent care contributions.With an FSA, employees can make payroll deposits into their accounts to build a cushion to pay insurance deductibles or pay for qualifying medical expenses, or other items not covered by insurance.Deposits are made with pre-tax dollars, before any federal or state income taxes, Social Security taxes, or Medicare taxes are withheld from your paycheck. That means your FSA deposits are not included in your taxable…

(Image credit: Getty Images)Question: I’ve got $10,000 from my year-end bonus, and I want to keep it safe but still earn something. Is a CD or a money market account the smarter move?Answer: It’s a natural question to ask right now. With your bonus in hand and interest rates slipping after the Fed’s rate cuts this year, deciding where to put that $10,000 can feel surprisingly tricky.Certificates of deposit (CDs) and money market accounts (MMAs) remain two of the safest, most popular options. Both offer FDIC/NCUA insurance, both earn interest and both protect principal. But the best choice for your…

If you have Dashpass, today only, while supplies last, you can get $30 off a $90 order at Ulta.  You will use DPULTA30 at checkout and it is limited to one per account, for delivery only (not pick up).  It also expires at 8pm EST or 5pm PST and is today only (12/9).  Personally I think these promos are a headache if you are trying to buy multiple items.  If the doordasher can’t find an item or gets you the wrong shade etc.. it might be more trouble than it is worth.  I remember when they did this with Sephora…