SunTrust Rewards is the rewards program for SunTrust Bank’s set of consumer credit cards. Depending on the card you have, you can use your rewards to receive cash back, book travel or purchase gift cards and merchandise.

Depending on your relationship with SunTrust Bank and how you redeem your rewards, you could get up to 50% more value out of your rewards.

SunTrust Rewards program cards include:

Depending on your banking relationship with SunTrust, you could receive between 10% and 50% more rewards when you redeem your rewards cash back into a SunTrust checking, savings or money market account. Here’s how it breaks down:

SunTrust Rewards can’t be transferred, only redeemed. This means you don’t have the option to transfer your points to frequent flyer or rewards programs.

The best redemption option is to receive your cash back into a SunTrust Bank account. This may make the program less valuable if you want more options to maximize rewards.

SunTrust Rewards credit cards offer varying rewards rates:

Regardless of which credit card you have, you can earn more rewards through SunTrust Deals. You can search for and activate deals through your online account or mobile app. After you make the purchase, you’ll receive the rewards within eight weeks.

Keep in mind, though, that cash back earned through SunTrust Deals isn’t eligible for the relationship bonus.

While all of the cards earn cash back, the SunTrust Rewards program allows you to redeem your rewards for:

If you redeem your cash back into an eligible deposit account, you could get up to a 50% bonus. If, however, you redeem your cash rewards for travel or merchandise, the value of your rewards will be equal to your rewards balance. So, if you have $100 in rewards, you can redeem them for $100 worth of travel or merchandise.

If you redeem your rewards for gift cards, you’ll get a redemption rate of 0.83%. For example, a $100 gift card would cost you $120 in rewards and a $50 gift card would cost you $60 in rewards.

Some of you – estimated to number as many 30 to 35 million – are wondering, “Where is my stimulus check?”

It’s a reasonable question during anxious times. After all, 159 million stimulus checks have already been sent to individuals and families throughout the U.S. The financial relief is part of the Coronavirus Aid, Relief, and Economic Security Act, which was designed to add fuel to a lackluster economy that has been battered by the coronavirus and quarantines. But if you’re one of the remaining 35 million eligible Americans who have not yet received a stimulus check, you may naturally be wondering where your money is.

There are a number of scenarios that you may want to consider or look into.

Not every American is getting one. According to the IRS, you won’t receive a stimulus check if you don’t have any qualifying children and your adjusted gross income is higher than:

There are other scenarios, too, in which you may not be eligible for a stimulus check. For instance, if you are, say, a 19-year-old college student, and your parents claim you as a dependent on their tax return, you won’t receive a check. If you don’t have a Social Security number that’s valid for employment, that could eliminate you from contention for a check. If you’re currently in jail, you won’t get a stimulus payment.

The IRS prioritized sending checks to low-income families and individuals. That means if you’re on the high end of the range of people who will receive a stimulus check, it may just be that the IRS hasn’t sent you your money yet.

Maybe your money came in the mail, and you threw it away.

Of course, you’re thinking, “I wouldn’t do that.”

But you might have, argues Rakesh Gupta, associate professor of decision sciences and marketing at Adelphi University in Garden City, New York.

Some people, who for whatever reason could not get their funds directly deposited into a bank, are receiving their money via a debit card versus a paper check. But other taxpayers are getting a check. So there are no absolutes here.

“The debit card will be in an envelope from Money Network Cardholder Services. The envelope does not say Treasury Department or IRS or U.S. Government on it. So people should be careful and not throw it away thinking it is another credit card offer,” Gupta says.

Inside the envelope is a card marked “Visa” and “debit” on the front. The bank is MetaBank, N.A.

It’s easy to imagine a lot of people – if they even open the envelope – glancing at the card and tossing that into the trash.

If you think you threw yours away, you can call the Treasury Department at 1-800-240-8100 and ask for a free replacement.

It’s also worth noting that once you get your debit card with your money on it, you can ask your bank to transfer the cash to your account – if you’re worried about, say, losing it again or losing some of the money to ATM fees.

Have you not yet filed your taxes? Understandable with the pandemic going on, and besides, the IRS extended the filing deadline to July 15, 2020. But if you’ve held off preparing your taxes, you’re opening yourself up to a bit of risk.

“Tax procrastinators are unknowingly giving an expanded window for income tax identity thieves to capitalize by filing a 2019 income tax return in the name of their victims,” says Steve Weisman, a senior lecturer in law, taxation and financial planning at Bentley University in Waltham, Massachusetts. He also runs a website on scam information called Scamicide.com.

“This year, that means a double whammy, as income tax identity thieves not only claim the phony refunds they claim on the returns but also the CARES Act stimulus payments due to the legitimate taxpayers. Income tax identity theft is already a multibillion-dollar problem for the IRS, but the coronavirus stands to make that problem more serious this year,” he says.

It may seem highly unlikely that you would have somebody steal your identity and get your stimulus check, and hopefully it is, but it has happened to at least one couple from Illinois, according to Weisman.

“If you have filed your 2019 income tax return electronically already and provided bank account information with your income tax return, you should be fine,” Weissman says.

If you filed your 2019 income tax electronically but didn’t provide the IRS with a bank account to which your tax refund and CARES Act stimulus check should be sent, the deadline to do that (May 13) has unfortunately long passed. But you will be mailed a debit card or a check.

Wendy Barlin, a certified public accountant and owner of About Profit, an accounting and income tax firm in Los Angeles, says some of her clients have run into trouble getting their stimulus checks because they’ve moved within the last year.

“The check would have gone to the address on the last tax return that you filed with the IRS. If you have moved since then, the IRS likely does not know that and sent your payment to the old address,” Barlin says, adding: “Mail forwarding does not seem to be picking up and forwarding these checks.”

If you have moved and are still waiting for your check, you may want to make a call to the Treasury.

Barlin points out that could be the issue. It might be “good, old-fashioned lost in the mail,” she says. “Our mail service is under extreme pressure right now with COVID restrictions, and it seems mail is often lost in the system.”

But whatever happens, if you do not receive your stimulus check or prepaid debit card this year and you’re entitled to it, Barlin says: “You will get a credit on your 2020 personal income tax return for the funds you should have but didn’t receive. I understand it is a timing problem, and people want the money now. But please know, worst-case scenario, the money is not lost forever, and you will receive it when you file your 2020 tax return.”

If you’re one of the many Americans working from home and limiting travel because of the coronavirus, you have probably seen a slowdown in what you earn in credit card rewards. After all, you can’t rack up airline miles and travel points when you’re spending more time on the couch than zipping through airports.

Luckily, your earnings don’t have to stop while you’re spending more time at home if you use credit cards that reward day-to-day purchases, such as groceries, takeout orders and gasoline.

Here’s what you need to know about earning credit card rewards as your work and play remain largely at home.

Days at home, along with pandemic-related job or wage losses, have shifted consumer spending to essentials and comfort items. Credit card companies have adapted by bumping up points for rewards categories such as:

People still need to make trips to the grocery store and buy gas, points out Bola Sokunbi, founder and CEO of Clever Girl Finance, a personal finance website for women.

Make sure the credit cards you’re using provide cash back or other rewards for what you’re buying now. Here are some cards that provide the best rewards for those purchases:

Loyal Amazon and Whole Foods Market shoppers benefit the most from this card, which earns 3% cash back on purchases from both retailers. Cardholders with Amazon Prime can earn 5% at Amazon and Whole Foods Market. The card also earns 2% at drugstores, gas stations and restaurants, including takeout orders.

Cardholders can get up to $10 in statement credits for select streaming and wireless telephone services purchased directly from U.S. service providers every month through December.

This card earns cash back rewards on everyday purchases: 6% on up to $6,000 spent annually at U.S. supermarkets and then 1% afterward; 6% on select U.S. streaming subscriptions; 3% on transit and at U.S. gas stations; and 1% on all other purchases.

You can earn three points per dollar with the Chase Sapphire Preferred Card on grocery store purchases of up to $1,500 monthly through June 30. That includes grocery pickup and delivery services. The card also earns two points per dollar on any restaurant purchase.

Cardholders can use the Pay Yourself Back tool to redeem points for statement credits in certain categories at a 25% higher value than they would typically receive through cash back. This applies to grocery store, dining and takeout, and home improvement store purchases. The promotion is available through Sept. 30.

This card offers five points per dollar on grocery store purchases until June 30. You’ll also earn three points per dollar on restaurant purchases.

Through Sept. 30, use the Pay Yourself Back tool to get a statement credit at a 50% higher redemption value than you’d typically receive with cash back. It applies when you redeem points for grocery store, dining or home improvement store purchases.

Cardholders can get up to $20 in statement credits for select streaming and wireless telephone services purchased directly from U.S. service providers every month through December.

This card gives you the flexibility to choose two spending categories in which to earn cash back each quarter. You can get 5% cash back on up to $2,000 in combined net eligible purchases.

Categories change quarterly but could include streaming services as well as internet and cellphone providers. You’ll also earn 2% cash back on an everyday category of your choice, such as gas stations or grocery stores.

Cardholders earn three points per dollar on at-home categories, including restaurants – even takeout – gas stations and popular streaming services.

Opening a credit card just to earn streaming rewards may not be worthwhile, depending on how many services you subscribe to and their cost. Some streaming services charge as little as $6 per month.

“It’s not a huge expense,” says Logan Allec, founder of Money Done Right, a personal finance blog. “I wouldn’t recommend one of these cards just with streaming benefits as a first credit card.”

Your primary credit card should feature at least two rewards categories that are important to you, he says, such as streaming services and groceries.

If a rewards card has an annual fee, “I wouldn’t get a card for just one category. But if there are other categories, it could definitely be worth it,” Allec says.

Another option is to find a card that has competitive cash back benefits across the board. For example, the Chase Freedom Unlimited cardearns 1.5% cash back on every purchase. And you can earn 2% with the Citi Double Cash Card – 1% when you buy and 1% as you pay.

The value of your rewards credit card will depend on how much you spend in the card’s rewards categories.

Cash back credit cards or rewards cards with bonus points for at-home spending categories have the edge over travel cards now. But don’t be too quick to close your travel cards.

Some travel rewards credit cards have adapted their rewards programs for coronavirus times.

The Chase Sapphire Preferred Card, for example, added grocery store purchases as a bonus category. And Capital One Venture Rewards Credit Card allows you to redeem miles at the same value as travel credits for restaurant delivery or pickup orders and streaming or wireless telephone services.

You may not want to cancel your travel rewards credit card for a couple of other reasons, though. Closing your card could hurt your credit score, Sokunbi says.

“The travel industry will be back at some point,” she says. “We’re in the eye of the storm now, and it won’t last forever.”

When travel returns, you’ll be able to earn a lot more points by using a travel credit card for a $500 airplane ticket than a credit card for streaming rewards on a $7 monthly expense, Sokunbi says.

But know that travel credit card rewards can always increase or decrease in value. “Just because you earn points now doesn’t mean you will be able to redeem them for the same value a year from now,” Allec says.

In the big picture, less business and leisure travel could mean greater emphasis on rewards for everyday credit card purchases. Rewards for utilities and internet services, for instance, could become more prominent offerings for credit card issuers.

“I’d love to see it,” Allec says. “Credit card companies have everyone’s spending data. They will do the math and come out with cards to market to people who spend more time at home. I wouldn’t be surprised to see a card that’s perfect for the telecommuter.”

It’s not uncommon for baby boomers to continue to work well into their 60s, 70s or even 80s. Some people decide to continue working because they need the money, while others love what they do and can’t imagine not doing it anymore or just need to stay busy. With continued improvements in health care and life expectancy, people can spend as long in retirement as they spent working.

Here are the top reasons not to retire:

There are certainly baby boomers who can’t wait to retire, especially those with physically or emotionally stressful professions. However, some older Americans are choosing to stay in their jobs or find new challenges that will keep them engaged.

After more than 40 years in the TV industry, Gary Wordlaw decided to retire when his job as general manager of a TV station in Tallahassee, Florida, ended with new management. “I figured this was the appropriate time to stop doing anything,” Wordlaw says.

He and his wife moved back to Louisiana. “Every morning, I would get up and go to the community coffee shop, have my coffee and I would watch people who had real jobs come and go,” Wordlaw says. “I said, ‘Look at these people. They don’t know how great it is to sit here and have coffee.'”

That feeling didn’t last. “Minutes turned into hours, and hours turned into days,” Wordlaw says. “I had all this pent-up energy of wanting to contribute to the industry I had been in all those years. I said, ‘Man, this isn’t what it was supposed to be. I’m not satisfied.'” His first thought was to write a book, but then he started watching the news. “People weren’t doing it the way I thought it should be done. At this stage in my life, I wanted to be a teacher in the industry.”

Wordlaw’s attempted retirement didn’t even last a year. “It probably lasted about six or seven months,” says Wordlaw, whose career as a TV reporter, news director and station manager took him to cities across the country before his short retirement. “It didn’t take me that long to realize I’d made a big mistake.”

Wordlaw reached out to friends and ended up with his current job as a news director at WVLA-TV and content editor for Nexstar Media Group in Baton Rouge, Louisiana, and he has no plans to retire again. “I got the best of all worlds,” Wordlaw says. “I get to hire young people, work with seasoned people and put a stamp on things. Going to work, for me, is like being on an extended vacation.”

Clint Camua, vice president of EP Wealth Advisors in West Los Angeles, says one of his clients worked into her early 80s at two different jobs, even though she didn’t need the money. “She worked as an assistant to a judge from 7 a.m. to 3 or 4 p.m. Then, she would go to the race track and be a security guard, carrying a weapon.”

The financial benefit of continuing to work is huge. “Her money was growing and not being depleted because she was not even tapping her savings,” Camua says. She stopped working when she got sick and moved to an assisted living facility, but remained active socially into her 90s.

Howard Wooley retired in 2013 after 33 years in the communications industry at the National Association of Broadcasters and Verizon. He and his wife, Gail, traveled and settled down at North Carolina’s Outer Banks. Gail, who suffered from sickle cell anemia, was writing a book about her life and her battle with the disease. Wooley was spending his days at Starbucks and taking long walks. “Gail said in the first six months after I was home, she felt like I was pacing around the house,” Wooley says.

“Toward the end of 2014, Gail could see that I was getting restless,” Wooley says. So, she did not object when an offer from Microsoft brought him out of retirement to do public policy consulting. But she laid down the ground rules. “She said, ‘Howard, this cannot be a repeat of your corporate work where you are on your smartphone 24/7,'” Wooley says. Being a consultant gave him the family time he needed.

Gail died in March 2015, at 58, from the disease she had battled her entire life. Wooley took her book to an agent and eventually a publisher. “Soar: A Memoir,” was published in 2017. Wooley also continues her mission and passion: sickle cell research and advocacy. He has taken on other clients and serves on several boards of directors.

Sandra McPeak, managing director of investments at Wells Fargo Advisors, says many people follow a nontraditional path to retirement or even unretire. “A lot of times, people, when they retire, think they will have all this time. They think they can catch up,” McPeak says. “But after a while, they are drumming their fingers. They feel out of it. They don’t feel engaged. They feel like they aren’t contributing.” But there’s no need to give up on a profession you love just because you reach a certain age.

George Fraser, a noted public speaker, author and networking expert, has never tried to retire and has no intention of doing so. “I enjoy my work more than vacation. I’m not a sit at the beach and chill kind of guy,” Fraser says. “I’ll either die sitting at a podium or at my desk dotting an ‘i’ or crossing a ‘t.'”

Fraser says he can’t imagine himself in retirement, and has no close friends who are retired. “If your health allows you, don’t ever retire,” Fraser says. “If your work enthralls you and excites you, you should keep doing it until your last breath. It will keep you interested and engaged with life. It’ll keep you curious.”

Every year, millions of Americans undergo orthodontic care to straighten their teeth. Whether they’re seeking a cosmetic enhancement or improving oral health, one thing is certain: Treatment is expensive.

There is not one standard price for braces. “People in the United States should expect to spend anywhere between $3,000 and $6,000 or even slightly higher depending on the type of treatment needed, length of time and age of the patient,” says Dr. Tamara Kroboth, an orthodontist with Valley Pediatric Dentistry in New York.

According to a 2018 survey of dental fees by the American Dental Association, the average cost for comprehensive orthodontic treatment can range from $5,000 to $6,000 although pricing varies by region. For instance, an adult in Manhattan may pay an average price upwards of $11,500 for braces.

Just as there is no standard price, there is no standard time frame for how long someone needs to wear braces. Treatment can last from one to three years on average, with adults often needing to wear braces longer than children. Each additional year can increase costs significantly, and a person who wears braces for two years may have double the expense of someone whose treatment can be completed in 12 months.

Managing the high cost of orthodontic treatment can be done in a number of different ways, from shopping for the best price to maximizing tax-exempt savings accounts. Try these strategies to keep finances in check when trying to achieve better oral health.

It’s smart to get quotes from several orthodontists. That’s something Jean Chatzky, CEO of the digital media company HerMoney.com, discovered when her children needed braces. “Different orthodontists recommended different treatments at different price points,” she says. Many orthodontists provide free consultations which means there shouldn’t be a cost to getting a second opinion.

Some dental insurance plans cover orthodontic treatment and may pay up to a specific amount for braces. Most policies only cover patients who are 18 or younger, and plans usually contain a yearly or lifetime maximum that only covers a portion of the total cost. It’s important to review your plan’s terms to understand if there is a waiting period before benefits begin and whether your orthodontist is a covered provider.

Orthodontists may offer a discount if payment is made in full at the start of service, or they may have reduced rates for multiple children in the same family. “Don’t be shy to ask for help with financial arrangements and making payments ahead of time on children who will be going into treatment now or even down the road,” Kroboth says.

If you have a qualified high-deductible health insurance plan, you can open a health savings account and deposit up to $7,100 in tax-deductible contributions in 2020 if you have family coverage. That money can then be used tax-free on qualified medical and dental expenses including braces. Contributions to a health savings account never expire and can be invested, making this a good way to save in advance for future orthodontic costs. However, even if you don’t plan in advance, you could save as much as 25% by avoiding taxes on the money you use to pay for braces, Chatzky says.

Those who aren’t eligible for a health savings account may be able to open a flexible spending account through their workplace. These accounts also allow people to make medical and dental payments using tax-free dollars, but money in a flexible spending account typically must be used within a year or it is forfeited to your employer. “You have to be careful that you don’t overfund it and put more in than you can use in the course of a year,” Chatzky explains.

Many orthodontists offer flexible payment plans and are willing to work around their patient’s budget. These provide parents the opportunity to spread out payments over several months to a couple of years with no interest.

Anyone living near a dental school that offers an orthodontic program may benefit from discounted services performed by students in training. The fees may be almost half the amount charged by private practices, says J. Martin Palomo, professor and orthodontic residency director at the School of Dental Medicine at Case Western Reserve University.

Treatment is typically provided by dentists who are orthodontic residents and, in many cases, students have had years of experience in private practice. However, patient openings at dental schools may be limited, depending on the size of the program. For instance, Palomo notes Case Western Reserve University only accepts five students per year in its orthodontic program.

Families suffering financial hardship may be eligible for deeply discounted or free treatment. Programs such as Donated Orthodontic Services, sponsored by the American Association of Orthodontists, offer pro bono care to children of low-income families who lack insurance coverage or who do not qualify for other assistance in their states of residence. Other nonprofit programs like Smiles Change Lives and Smile for a Lifetime Foundation also offer discounted or free braces to kids in need.

Your orthodontist may know of other organizations or programs to help cover the cost of braces. “Always discuss any concerns with fees,” Palomo says. “There’s no need to be embarrassed.”

You’ll pay less if you can shorten the amount of time you wear braces. While there is no way to move your teeth into place faster, you can take steps to avoid delays. “Patients can help their treatment … go quickly and smoothly by following the instructions given to them by their orthodontist, such as wearing their rubber bands as directed, not eating foods that will cause their braces to break and maintaining excellent brushing and oral hygiene,” Kroboth says.

However, before you put into practice these cost-cutting strategies, it’s important to understand the different types of braces available for both children and adults.

Teeth are typically straightened using one of two methods: braces that use brackets and wire and aligners made of clear plastic. Braces can be further broken down into the following categories: metal, clear/ceramic and lingual.

Traditional braces are made with metal brackets and wires. They may be adjusted every four to six weeks to move teeth into proper alignment. The price of metal braces can run from $3,000 to $7,000, according to Oral-B.

Using clear plastic or ceramic brackets can make braces less noticeable. However, they can be more expensive than metal braces, with the typical ceramic braces cost ranging from $4,000 to $8,000, according to Oral-B. Damon Clear, a system using plastic braces, has pricing that is comparable to conventional braces and may run between $5,100 and $7,000.

These braces are placed behind teeth so they aren’t visible to others and cost as much as $10,000, per Oral-B estimates.

Aligners are also an option, and these use a series of plastic molds to move teeth into place. “Patients of all ages report feeling less self-conscious with aligners than braces,” says Dr. David Galler, senior vice president of orthodontic support for Aspen Dental.

Aligners can
be obtained through an orthodontist at a price of $4,000 to $7,000. “Clear aligner treatment is becoming increasingly popular with dental professionals, who use a comprehensive 3D scan to develop a highly customized, accurate treatment plan for each patient,” Galler says. He adds that aligners at Aspen Dental cost $3,999 regardless of how complex the treatment may be.

Companies such as Smile Direct Club and Candid also offer aligners and may charge as little as $2,000. While these mail order services offer a significant discount, many dental professionals warn against them.

“You get what you pay for,” says Dr. John Luther, chief dental officer for Western Dental & Orthodontics, a leading dental provider with locations in California, Nevada and Arizona. He notes it’s important to see an orthodontist to address underlying issues prior to straightening teeth. For instance, a person with periodontal disease who begins using aligners without strengthening gums may be at risk for losing teeth.

What’s more, not everyone’s teeth can be moved effectively with aligners. Someone requiring complex tooth movement to straighten teeth and address jaw alignment may need more intensive treatment.

“Very often, we see people who are having braces for the second or third time because they were trying to save money,” Palomo says. He recommends people look for board-certified orthodontists to ensure that whatever straightening treatment they pursue will be completed by someone committed to the highest level of professional standards.

For young patients, teeth may be moved in two stages. In the first phase, baby teeth may be removed to make room for permanent teeth, or braces may be used to straighten teeth or correct a problem such as underbite.

Early intervention is one way to save money on braces, according to Kroboth. “Common phase one treatments, such as palate expanders, create space for these erupting teeth,” she says. While early intervention may not eliminate the need for a comprehensive treatment plan later, it could make the straightening process easier, shorter and, in turn, cheaper.

It’s more difficult to move adult teeth than children’s teeth, Luther says. Older patients may have brittle bone structures that could be prone to breaking if moved too quickly. That’s one reason orthodontists say people should be careful of any treatment that claims to quickly straighten teeth. Another problem, Luther explains, is the tendency of teeth to relapse to their original position if not properly retained after treatment.

Braces are an investment that can pay off in greater confidence and self-esteem. By understanding how they are priced and using the tips above, you can make this expense more affordable.

After decades in the workforce, retirees finally get complete control over how they spend their time. There are many terrific things you can do with your time and energy in retirement.

Here’s what to do in retirement:

You earned your retirement – now make it last. If you have a fixed income each month from a pension, make sure you create and stick to a budget to stay within your limits. If you are spending down your nest egg, be sure to research your appropriate withdrawal rate and the tax rules that might apply.

Now that you don’t have to worry about the limits of vacation time, take extended vacations. Live in a foreign country for a while or take a long cruise.

Buy a new or used motor home and take your bed and kitchen with you on your travels. Make it a goal to visit each national park or every major league baseball stadium.

Use your time to make home improvements. It could be something as simple as organizing the stuff in your house or a big project like adding on additional space. You’ve got the time now, so learn to make the changes yourself.

Are you tired of the traffic, noise and expense of the city? Move out to the country. Since you don’t need a job anymore, you can live where you want. Use your new space to start a garden, orchard or raise animals.

Do you want all of life’s necessities within a few city blocks? Move to the city. Downsize your house and become an active member of the metropolis, where you’ll get to experience the best of art and culture.

Now that your career is over, start that business you’ve always wanted. Consider using your career experience to start a consulting firm, or take your existing part-time business and expand it into a full-time enterprise.

Do you still want a place to go everyday? Find a fun part-time job with a company you love. Having this job will not only bring in a little extra income, but it will give you a place to socialize each day. If you still need insurance, perhaps you can find a part-time job with benefits.

Use your hard-earned wisdom and experience to teach others. Start a free course at your local library or community center. You could even possibly teach at a local community college or university.

Use your time in retirement to give back. Contact your local church or other charitable organization to find volunteer opportunities that suit your skills. Don’t forget to consider overseas opportunities as well.

Serve your community by participating in the political process. Become a local representative or school board member.

Get to know some of the other retirees in your area. Make plans daily or weekly to just hang out.

Spend more time visiting with family members, near and far. Explore your roots and find relatives you never knew you had.

Use your free time to help your family or local families in need of a babysitting service. This could even be a way to bring in a little extra cash if needed.

Find a young person to mentor. Many young people would love the chance to learn from the experienced and successful. Take time out of your week to change the life of someone else.

Go back to school. Finish your diploma or get a graduate degree. You could even take classes just for fun to learn a subject of interest. Many colleges offer discounts to retirees above certain ages.

Spend your days reading all of the books you never had time for. Aim to read all the classics or join a book club and add a social element to your passion.

Writing a book takes time. Now you have plenty of it. Write a novel, a cookbook, a how-to guide or even your memoirs.

Learn to blog and start sharing your retirement experience online. You could also start a blog sharing your knowledge from your past career or a hobby you have.

If you have plans for foreign travel in retirement, take the time to learn the language. It will serve you well on your extended vacations, and it will keep your mind sharp.

Take lessons and learn to play the piano, guitar or your favorite instrument. You’ll impress your family at the next get-together with your new musical talent.

Now is the time to expand on your interests. Take on a new hobby such as fishing, hiking, gardening, painting, photography or even just playing cards.

Stay active by taking on the challenge of a new athletic pursuit. Many people complete marathons or snow ski well into their retirement.

To stay committed to your new active lifestyle, join a team of people who are also looking for accountability toward their fitness goals. Work toward getting in the best shape of your life.

You earned your retireme
nt. Go do whatever you want, including nothing.

Phil Taylor is a certified public accountant and the founder of PT Money.

Consolidation loans could save you money by offering lower interest rates for paying off credit card debt.

Refinancing credit cards using a personal loan can offer a lifeline for paying off credit card debt at a lower interest rate. The trick is finding a loan to pay off credit cards that will save you money.

“If you don’t qualify for one of the top balance transfer credit cards, using a personal loan to consolidate debt is an excellent option. A loan gives you an opportunity to pay off your debt at a lower interest rate,” says Beverly Harzog, best-selling author, credit card expert and consumer finance analyst at U.S. News.

Here’s how you can find the best loan with the most favorable terms that you have the best odds of qualifying for.

When you shop around for the best personal loan interest rate, you can save. Compare your personal loan offers with national average trends for personal loans to know if you’ve found a good deal.

Select your desired loan amount and loan purpose, your credit score range, and your state to see estimated annual percentage rates and loan terms.

Credit card debt consolidation rolls multiple credit card balances into one loan.

The idea is that you borrow a lump sum of money, ideally at a low fixed interest rate. You then use that money to pay off some or all of your high-interest credit card balances.

Taking out a personal loan for the purpose of debt consolidation is a viable option for consumers who have substantial credit card debt, says Mark Victoria, head of personal lending at TD Bank. Going forward, you’d have a single payment to make each month toward the debt consolidation loan.

Credit card debt consolidation can offer several financial benefits:

There’s also a sense of relief. Debt consolidation gives you a concrete finish line when you know your debt will be paid off, says James Lambridis, founder and CEO of financial information site DebtMD. “An unsecured debt consolidation loan typically lasts from two to five years, so you can give yourself peace of mind that at the end of the term, you will be debt-free once and for all.”

You can use a balance transfer credit card to consolidate credit card debt at a 0% interest rate. But balance transfer cards can be more limited than debt consolidation loans.

You may not be approved for a high enough credit limit to cover all of your credit card balances. You should expect to pay a balance transfer fee, though this fee may be lower than the interest rate on a personal loan. Most balance transfer cards offer 0% interest for 12 to 18 months, which is a shorter term than the typical personal loan.

Balance transfer cards are best suited for consolidating small credit card balances that you can pay off within the 0% promotional period. Personal loans can be a better solution for larger debt than you can expect to be approved for on a credit card and may take more time to pay off.

Consolidating credit card debts using a personal loan can affect your credit score both positively and negatively. However, successfully paying off credit card debt using a personal loan should have a more positive than negative effect on your credit.

Applying for a loan to consolidate debt can trigger a hard inquiry against your credit report. Hard credit inquiries can take a few points off your credit score, so it’s important to be selective when applying for a consolidation loan. Most lenders allow you to check your rate and loan amount with a soft inquiry, which doesn’t affect your credit. Rate checks allow you to shop around for the best option before you submit a formal application, which does trigger a hard inquiry.

Once you have a new loan open, that can affect the overall age of your credit. As a general rule, the older your account history, the better. Newer accounts can cause a slight re-aging, which could trim a few points off your score.

But inquiries and credit age are smaller factors than payment history and credit utilization, which a personal loan for credit card refinancing can help with.

If you’re paying off credit cards, that can improve your credit utilization ratio, which counts for 30% of your FICO credit score. Credit utilization ratio is the percentage of your available credit limit you’re using at any given time. Using 30% or less of your credit line is recommended.

At the same time, you can continue building a positive payment history by paying your new loan on time. Payment history accounts for 35% of your FICO credit score.

But improving your credit score with a better credit utilization ratio and maintaining a positive payment history assumes you’re sticking to the plan of paying off your balances. The two biggest mistakes to avoid with credit card debt consolidation loans are paying late and running up new balances on the cards you just paid off. Doing so can hurt your credit score and push you farther into debt.

Victoria says some people go in with the best intentions of consolidating into one loan at a lower rate. However, even though the debt has shifted, consumers should keep in mind that they still likely have access to the credit cards that got them there in the first place.

“Consolidating is the first step,” he says. “Changing spending habits should be the next priority.”

If you’re interested in the best credit card debt consolidation loans, it helps to know how to compare them. As you’re shopping around for a personal loan to eliminate credit card debt, consider these factors:

When looking for the best credit card debt consolidation options, it’s important to figure out what works best for your budget. So that also means taking into account what your new monthly payment would be for a loan. Understand how long it will take you to pay it off and what you’ll pay in interest.

“You should only consolidate your debt if you’re able to lock yourself in at a lower interest rate and/or lower your monthly payment,” Lambridis says. He cautions that a lower credit score could translate to a higher interest rate on a consolidation loan, potentially overriding any savings benefit.

Other debt consolidation loans for credit card refinancing include home equity loans and 401(k) loans. These options can be problematic, as you risk losing your home or retirement savings if you default.

Your home is an investment, and home improvement loans can offer the funding you need to strengthen that investment with renovations, updates and repairs. However, there are risks involved, and not all home improvement loans are the same.

This guide covers the types of home improvement loans available, the costs of a home improvement loan, how to qualify and how to choose the best lender. It is designed to help you decide if accessing your home’s equity or taking out a personal loan for home improvement is a good choice, and offer insight into how you can find the best loan for your needs.

U.S. News conducted an in-depth review of the leading U.S. mortgage, home equity and home improvement lenders. Lenders were evaluated based on product availability, customer service ratings (using J.D. Power’s 2018 U.S. Primary Mortgage Origination Satisfaction Study), qualification requirements and loan terms. There is no home improvement loan that is perfect for everyone, so the top performers were recommended based on the strengths in these key areas.

These recommendations are meant to support your research by showing you the company most likely to meet your needs. They are a good starting point for most people, but you should thoroughly research each company.

Recommendations are divided into two categories: home equity loans and personal loans. These recommendations don’t apply to home equity lines of credit, cash-out refinancing or reverse mortgages, which many of these lenders also offer.

The Best Home Improvement Home Equity Loans

The type of loan you choose will depend in large part on the scale of your project. For smaller projects, a short-term personal loan might be the best option. For major projects, you may need to tap into your home’s equity by securing a home equity loan.

A home equity loan is a second mortgage for a fixed amount of money that is secured by your home. You repay the loan with equal monthly payments over a fixed term, just like your original mortgage. If you don’t repay the loan as agreed, your lender can foreclose on your home.

How much equity can you borrow?

Lenders usually limit total loans to 85% of the value of your home. This is the total loan-to-value ratio. However, some offer home equity loans that bring your total mortgaged value up to 100%.

For example, if you originally bought your home for $250,000 and have since paid $60,000 on your mortgage, you now have $60,000 in equity and a loan balance of $190,000, assuming your home’s value has remained the same. Combined with your first mortgage, a lender typically would allow you to borrow up to 85% of the value of your home, or $212,500 total. After subtracting your mortgage balance, you have $22,500 in available equity left to borrow.

As with any loan, the actual amount offered depends on additional factors, including your income and credit history.

Typically, home equity loans have fixed interest rates. The rates stay the same over the life of the loan, so your monthly payments never change.

Home equity loan interest rates are typically slightly higher than mortgage rates. Most banks start with a benchmark rate, such as the prime rate, and adjust your rate based on factors including your home’s value, loan terms and amount, your credit history, income and existing mortgage balance.

The annual percentage rate determines how much interest and additional costs, such as fees, you’ll pay to the lender over the life of the loan. The lower the rate, the less the loan will cost you overall, so search for the most competitive rate you can qualify for.

Fees can include closing costs, late fees and processing fees. Lenders may roll closing costs into the loan balance rather than requiring payment at closing.

Typical closing costs include an origination fee, appraisal, title search and credit repo
rt fee.

Home Equity Loan Advantages

Home Equity Loan Disadvantages

A personal loan used for home improvement is like any unsecured personal loan. It’s not guaranteed by your home, and the interest rate you receive depends on your creditworthiness. Personal loans usually have a fixed interest rate, which means you can reliably schedule monthly payments into your budget.

The payback period on personal loans, typically two to five years, is shorter than on home equity loans, which can be up to 30 years.

Personal loans are available for amounts between $1,000 and $100,000.

Like home equity loans, personal loans have an APR that includes interest and additional fees. You should seek out the lowest APR you can qualify for.

Typically, personal loans are offered at a fixed interest rate, though some lenders offer variable-rate personal loans.

Interest rates offered for personal loans vary significantly, ranging from about 4% to 36%. You may qualify for a lower interest rate on a personal loan than a home equity loan in some circumstances, such as if you have excellent credit and income. However, as an unsecured loan, personal loans will typically have a higher interest rate than a home equity loan.

Application or origination fee. As with a home equity loan, the application or origination fee is what you pay the lender to process the loan. It’s common for lenders to roll the origination fee into the loan balance rather than as a closing cost. Personal loan origination fees are usually between 1% to 6%.

Prepayment fee. Some lenders charge a fee for making payments ahead of schedule to offset the interest you’ll save by paying early. This fee is not common among personal loan lenders.

Late fee. You’ll typically be charged a late fee if your payment is not on time. Lenders may offer a grace period of 10 to 15 days, after which a late fee applies. These fees typically range from $15 to 5% of the payment due.

Other fees. Some lenders charge additional fees, including returned payment or check processing. These fees can increase the total cost of your loan. It’s always smart to look for the lender with the least fees, but it’s also important to calculate those fees along with your total interest payments to see which loan is the cheapest over time.

A lender may have no closing costs and a higher APR that could cost you more in the long run than a lender with some closing costs and a lower rate.

Personal Loan Disadvantages

Apply before you need to start improvements.

It’s a good idea to plan ahead and apply for a home improvement loan well before you plan to start improvements, advises Charlie Nilsen, executive vice president of Boston Private wealth management company. Timing and paperwork may take longer than you expect. He advises borrowers to start the process at least 30 days in advance.

Determine how much you need.

Consider your project amount and leave room for error. Keep in mind your budget, total loan-to-value ratio and how long you want to pay for the improvement.

Jensen cautions against taking out a home improvement loan that strains your finances to make cosmetic improvements. It isn’t worth going into foreclosure just to have a nicer kitchen, she says.

Determine your preferred loan term.

Consider your budget and how quickly you can pay off the loan. A long-term home equity loan makes sense for some long-term improvements, such as a room addition or new roof. But you shouldn’t get a 30-year home equity loan for minor renovations that will be replaced before you’re done paying for them, such as flooring.

Get prequalified with lenders to find out what interest rates you’ll qualify for. This will allow you to compare what different lenders have to offer. You can get prequalified with multiple lenders, but you should verify they are only performing a soft inquiry, as multiple hard inquiries can ding your credit rating.

Consider your eligibility.

Before you apply, consider how qualified you are for the loan. Your credit history and score, loan-to-value ratio and debt-to-income ratio are important factors in approval and qualifying for the best rates.

It’s important to choose a home improvement lender that aligns with your needs. Nilsen advises homeowners to research local institutions and check with friends or neighbors who have recently done home improvements. Depending on the size of the improvements and options to borrow against existing equity, the best lenders may vary, he says.

There are four key areas you should focus on when choosing a home improvement lender: eligibility requirements, loan amounts, APR and customer satisfaction.

Some lenders charge application fees, so you don’t want to waste time and money applying for a loan you won’t be approved for. Research ahead of time to find a lender’s minimum qualifications and only apply with the lenders most likely to grant you the loan.

All home equity loans have maximum loan-to-value amounts. Some have minimum and maximum dollar amounts as well, regardless of your needs or your home’s equity. You don’t want to choose a lender that requires you to take out a loan larger than you need, and you also don’t want to pick one that won’t loan you enough for your purposes.

Consider the interest rates offered by each lender, but keep in mind that not all borrowers will qualify for the lowest published rates. It’s best to get prequalified so you can get a good idea of what your interest rate will be.

When comparing rates, make sure you’re looking at the APR, not just the interest rate. The APR represents the total annual cost of the loan, not just interest, so it’s a better tool to compare lenders.

A variable APR can offer lower interest in the short term but may be more expensive once rates go up. This type of loan could be a good idea if you’re selling before the interest rate will change, which will allow you to take advantage of the lower rate without paying higher interest after it increases.

Generally, you can expect the best service from companies with good customer satisfaction ratings. You can research customer experiences with independent ratings resources such as J.D. Power.

J.D. Power offers the 2018 U.S. Primary Mortgage Origination Satisfaction Study and the 2019 U.S. Personal Loan Satisfaction Study. The studies don’t specifically address home improvement loans, but both rate the customer service of lenders that typically offer improvement loans.

Not every lender will be included in the J.D. Power studies, particularly alternative lenders offering personal loans. For companies that aren’t rated by J.D. Power, read reviews in similar categories from the Better Business Bureau and Trustpilot.

Home Equity Line of Credit

A type of home equity loan, home equity lines of credit allow you to use the equity in your home as collateral. Unlike a home equity loan, home equity lines of credit are revolving, allowing you to borrow and pay back a certain percentage of your home equity during the draw period.

Also similar to a home equity loan, a cash-out refinance is a new mortgage. However, instead of taking out a second mortgage, a cash-out refinance replaces your original mortgage. You’ll access your equity to get cash at closing, which you can use for home improvements. Your refinanced home loan will have a new balance, payment, interest rate and terms.

Government Programs for Home Improvement

Some government programs can help pay for a home remodel. These programs are federally insured, which reduces the lender’s risk, so it may be easier for borrowers to qualify for the loan. The Federal Housing Administration has two programs:

Under Title I, the U.S. Department of Housing and Urban Development authorizes lenders to make home improvement loans, with HUD backing in case of default. The interest rate is fixed and generally based on the most common market rate in the area. The rate is determined by the lender and may vary depending on the lender, your credit and market rates. You can search for a Title I home improvement lender on HUD’s website.

Energy Efficient Mortgages

With the Energy Efficient Mortgage program, homeowners can finance cost-effective energy-efficiency improvements. Qualifying energy-efficient improvements may include solar panels, wall insulation and furnace duct repairs. Like Title I loans, EEM loans are made by lenders but are federally insured and may be easier to qualify for with government backing. Applying for an EEM loan requires a home energy assessment performed by a qualified home energy assessor. Borrowers can choose to make improvements based on the recommendations from the assessor.

Other Home Improvement Assistance Programs

Father’s Day is June 21. Even if you can’t visit his favorite restaurant or take him to a baseball game, there are still plenty of ways to celebrate your dad. These affordable gifts are sure to show how much you appreciate dad this Father’s Day.

Read on for more information on affordable Father’s Day gifts.

Cost: $24.99 from Amazon.

If your dad is a firm believer that every season is iced coffee season, consider gifting the HyperChiller beverage cooler. With an average four-star rating on Amazon, this gadget will chill drinks such as coffee, tea and wine in 60 seconds. The HyperChiller is reusable and dishwasher safe, so your dad can stay cool every day.

Cost: $9.95 or 3 for $15 from The Grommet.

This highly rated, chemical-free solution to mosquito bites makes campers, hikers or fishers happy. The simple suction technology removes the insect saliva and venom that can give you those itchy unsightly bumps. Reviewers swear this product takes the itch out immediately when used as directed.

Cost: $25.97 from Amazon.

As the coronavirus pandemic continues, your dad might not be able to visit his barber. Help him feel cleaned up at home with a nice shaving kit. Give him the tools he needs to groom his whiskers and keep his facial hair healthy with healing and soothing oils and balms.

Cost: $40 from UncommonGoods.

Looking to bring some flavor into your father’s world? Let him bottle his own barbecue sauce with a do-it-yourself kit. The kit comes with all the ingredients your dad needs. Plus, he can add whatever he wants such as homegrown peppers or seasonings. Make sure you let him know it’s the best you’ve ever tasted.

Cost: $59.99 from Amazon.

Challenge your dad to a twist on a classic backyard game. RampShot takes the general idea of cornhole or other beanbag toss games and takes it up a level. You and your family might even break a sweat challenging each other in this action-packed game.

Cost: $39.95 from The Grommet.

Give your pops the self-care he deserves. This cold massage roller combines the benefits of ice therapy and foam rolling to relieve sore muscles. After removing from the freezer, the roller ball insert stays cold for up to six hours.

Cost: $12.94 to $33.90 on Amazon.

Let your dad be the “fungi” at your next dinner party. Dad jokes aside, a mushroom growing kit makes for a unique present for your old man. He can simply add water and in a few days, he’ll have fresh organic mushrooms to add to his favorite meals.

Cost: $22 from UncommonGoods.

Remember just a few years ago fidget spinners were all the rage? For dads who still like to keep their hands busy, a fidget spinner multitool makes a great gift. One minute it’s keeping his hands busy while he’s in a meeting or on the phone, the next he’s using it to tighten that loose screw.

Keep your dad awake and energized with a pack of coffee grounds from BLK & Bold. This certified fair trade coffee comes with rave reviews. Plus, the Black-owned company donates 5% of its profits to youth development initiatives.

For the king of dad jokes, Punderdome is the card game you need for your next family game night. Some reviewers suggest rewriting the rules to make it your own, but you can use the card prompts to challenge your opponents to a friendly pun-off.

Cost: $24.95 from The Grommet.

Whether your father likes to travel to different courses around the world or just prefers to golf without lugging a big bag around, a simple golf club carrier can be a great gift for him. The lightweight and compact design makes it easy to carry up to six clubs at a time without them shuffling around. Plus, the carrier keeps your clubs standing upright between rounds.

Health savings accounts have always offered a valuable triple tax break: Your contributions are tax-deductible (or pretax if through your employer), the money grows tax-deferred and you can withdraw it tax-free for eligible medical expenses at any time. And recent changes to the rules and timely strategies make HSAs an even more important financial-planning tool. You can now withdraw money tax-free from the HSA for additional expenses, have more time to contribute for 2019 and you may be able to tap the account tax-free to pay health insurance premiums if you lose your job. Plus, a special strategy can help expand the HSA’s tax benefits even further – helping it serve as an emergency fund or source of tax-free money in the future. Here are the new rules and strategies to make the most of these accounts.

New rules allowing tax-free withdrawals for over-the-counter medications. You can now withdraw money tax-free from an HSA for over-the-counter medications in addition to prescription drugs – reversing a 2009 change that only allowed tax-free withdrawals for medications with a prescription. “Many people incurred needless visits to their doctor just to get a prescription for an over-the-counter medicine,” says Roy Ramthun, president of HSA Consulting Services. The Coronavirus Aid, Relief and Economic Security Act permanently changed the rules and now permits tax-free HSA withdrawals for pain relievers, allergy medications, acne medicines, cold and cough medicines and other over-the-counter drugs, says Jeremy Miller, founder and CEO of HSAstore.com, which sells HSA-eligible products.

“The change is effective for expenses paid as far back as Jan. 1, 2020,” says Ramthun. “If people kept their receipts, they can start reimbursing themselves now if they want to.”

Tax-free withdrawals for menstrual and feminine hygiene products. The CARES Act also made menstrual care and feminine hygiene products – such as tampons, pads and liners – HSA-eligible expenses starting on Jan. 1, 2020. You couldn’t withdraw HSA money tax-free for these expenses in the past. “Since women spend, on average, $4,752 over the course of their lives on these products, being able to use FSA or HSA dollars will be a significant help,” says Miller.

Even if you’re paying cash for these items now and keeping the money in the HSA for the future, hold onto the receipts so you can withdraw money tax-free from the HSA for these expenses later on. You can also use HSA money for many other drugstore items such as sunscreen with an SPF of 15 or higher, first aid kits, thermometers, vaporizers, nasal sprays, as well as glasses, contacts and prescription sunglasses, says Miller, whose site has a detailed list of HSA-eligible items.

Telehealth and coronavirus testing without a deductible. HSA-eligible health insurance policies must have a deductible of at least $1,400 for self-only coverage, or $2,800 for family coverage in 2020. Generally, all expenses must be subject to the deductible except for certain preventive-care costs. But HSA-eligible policies can now cover coronavirus testing and telehealth services without being subject to the deductible, too. Federal law requires insurers to cover coronavirus testing without any cost-sharing, but it’s up to insurers to decide whether or not to waive the deductibles for telehealth services. This flexibility to provide first-dollar coverage for telehealth is temporary – it applies to HSA-eligible policies that begin their plan year before Dec. 31, 2021.

Tax-free HSA withdrawals for health insurance premiums when you’re unemployed. Most health insurance premiums aren’t HSA-eligible expenses, but there’s a timely exception: You can withdraw money tax-free from the HSA for premiums if you’re receiving unemployment benefits. Keep records of the dates when you started and stopped receiving unemployment benefits to provide evidence that the premiums are eligible expenses. You can also withdraw money tax-free from an HSA to pay COBRA health insurance premiums, even if you aren’t receiving unemployment benefits (COBRA is a federal law that lets you continue your employer’s health coverage for up to 18 months after losing your job, if your company has 20 or more employees). These rules aren’t new, but they can help people who lost their jobs recently.

Extra time to contribute to an HSA for 2019. When the IRS extended the 2019 tax filing deadline until July 15, 2020, it also extended the deadline to make HSA contributions. If you had an HSA-eligible health insurance policy in 2019 with a deductible of at least $1,350 for self-only coverage or $2,700 for family coverage – whether you had coverage through your employer or on your own – you still have time to contribute to an HSA. You can contribute up to $3,500 for 2019 if you had self-only coverage, or $7,000 for family coverage, plus an extra $1,000 if you were 55 or older. Your contribution amount may be prorated if you only had an HSA-eligible policy for part of 2019.

The extended deadline can be valuable to individuals who can afford to set aside more dollars for emergencies or long-term savings, says David Speier, managing director of benefits accounts at Willis Towers Watson, an employee benefits consulting firm. And even if you worry that you can’t afford to contribute to an HSA during this difficult financial time, consider that you can benefit from the tax deduction and start using the money tax-free for eligible expenses right away, such as for health insurance premiums if you’re receiving unemployment benefits or COBRA premiums, in addition to other out-of-pocket medical expenses. “Any money you can put in th
e HSA has an immediate tax benefit,” says Speier. “You could simply pay those expenses out of your pocket, or you could funnel it through the HSA and then take it out tax-free.”

A strategy to get bigger tax benefits. Expanding the definition of HSA-eligible expenses can help people who need to access the money now. “Given the financial situation of many people, being able to use the HSA as a spending account in the near term is helpful,” says Speier. But you’ll get an even bigger tax benefit if you can use other cash for your HSA-eligible expenses and let the money grow tax-deferred in the HSA for the future (you can usually invest your HSA money in mutual funds for the long term, in addition to a savings account). There’s no time limit for withdrawing the money tax-free for any eligible expenses you incurred since you opened the health savings account – even if it’s years in the future.

Because of this rule, it’s a good idea to keep receipts for any HSA-eligible expenses you pay with other cash so you can take that money from the account without taxes or penalties later on. “Your HSA can become like a reserve fund for you,” says Begonya Klumb, head of HSAs for Fidelity. “As long as you have qualified medical expenses, you can always reimburse yourself for those expenses with HSA dollars anytime.”

Keep track of any money you pay for over-the-counter drugs or menstrual supplies you bought after Jan. 1, 2020, as well as other HSA-eligible drugstore items, co-payments, deductibles, prescription drugs and other eligible expenses you paid since you opened the account. If you’re receiving unemployment benefits or on COBRA, keep track of how much you pay in premiums during that time. If you don’t withdraw the money from the HSA for those expenses now, you can always tap the account tax-free for them later. Some HSA administrators, like Fidelity, offer tools that make it easier for account holders to organize receipts from eligible medical expenses and identify which ones they paid with money from the HSA and which they paid in cash and haven’t been reimbursed yet from the HSA.

“The tool that we give our customers access to allows you to keep those receipts forever,” says Klumb. “You never know when you might need them.”