What to Do This Weekend
Weekend plans look a lot different nowadays, eh?Â Iâm sure you are as sick of reading stories that begin with,Â “In these unprecedented times” or “Our new reality.”Â So Iâm going to skip the intro and the explanation …You are being a hero by staying home and protecting the health of your family and that of your neighbors.Â Thank you!Â Let me reward that good behavior with a list of a few things to keep you entertained this weekend.
Itâs a ridiculous tongue in cheek nature show on Netflix.Â There are plenty of adult jokes disguised as nature facts.Â Itâs child safe and adult approved.Â The whole family enjoyed it!Â If you are looking for a program the whole family can enjoy, add Absurd Planet to your watch list.
Speaking of Netflix, did you know you can watch a movie with friends long distance?Â Check outÂ Netflix Party.Â It synchronizes everyoneâs video playback and adds a chat feature.Â If you and your significant other arenât quarantining together, this is certainly a fun date night option, too!
Date Night Dinner & Dessert
If you are homebound with your significant other, youâre probably ready to spice things up. Â Tasty did a great feature of creating a three-course meal from the pantry.Â I was impressedâ¦.especially when one of the courses was peanut butter cookies!Â Follow along and cook a great meal or just get inspired to create your own pantry date night!
We are sitting still so much more than usual.Â You need to give your joints and bones and muscles some love! Stretch them out!Â There are plenty of free stretching videos on YouTube and the like, but my number one recommendation is the Peloton App.Â They are offering a 90-day free trial right now, after that itâs $13/month.Â The full body stretches are 5-15 minutes long giving you plenty of options.Â Additionally, they have meditation, boot camp, running, and walking programs.Â (and no, Iâm not an affiliate…I just think itâs a great app)
Try A New Summer Recipe
Yeah, cooking isnât a groundbreaking suggestion.Â Approach it a little differently today.Â Think of it as a meditation.Â Take your time cleaning and cutting the fresh veggies or fruit.Â Maybe watch a Youtube video first and learn a new technique.Â Then when you are ready, take on one of these yummy summer recipes.
Last week I took a dance lesson to learn the moves to the Tik Tok âSavageâ dance. The instructor was amazing…I was a *mess*!Â But I havenât laughed that hard in a while…and it used up a lot of energy!Â You can find plenty of lessons on YouTube or you can try a virtual class with Diva Dance DC.Â You can literally dance like nobody is watching! And who knows…maybe you will find some hidden talent!
Phone a Friend
â¦.not for your sake, but for theirs.Â People are getting cabin fever.Â They need each other.Â Scroll through your phone and find the friend that you know lives alone or the friend you know wishes they were living alone, and give them shout.Â It doesnât have to be a Zoom happy hour and it doesnât have to be an hour long.Â You can simply share a happy memory you have with them.Â Small interactions and gestures go a long way right now.Â Â
Thatâs it for this week.Â As I find specific events or awesomeness, I will share a new post weekly!Â If you have ideas or events to include next week feel free to send them my email@example.com or @Apartmentalist on Instagram.
Read What To Do This Weekend on Apartminty.
A Health Savings Account (HSA) is a convenient way to store funds specifically for medical expenses. If you qualify for an HSA, you will get to enjoy a few tax advantages as well. While this might sound like an ideal setup, not everyone is eligible for a health savings account. To qualify for a health savings account, you must be enrolled in a high-deductible health insurance plan (HDHP). The details of these plans are revised every year by the Internal Service Revenue (IRS), which sets the bar for:
- The minimum deductible a plan must have to be considered a HDHP.
- The maximum amount that a customer who purchases a plan is able to spend out-of-pocket.
The benefits of a health savings account
Here are some of the key advantages of having a health savings account:
- It covers a large variety of medical expenses: There are many different kinds of medical expenses that are eligible, such as medical, dental and mental health services.
- Pretty much anyone can make contributions: Contributions to your health savings account donât have to be made by you or your spouse. Employers, relatives, friends or anyone who would like to contribute to your account can do so. There are limits, however. For example, in 2019, the limit for individuals was $3,500 and $7,000 for families.
- Pre-tax contributions: Since contributions are generally made at your employer pre-taxes, they are not considered to be part of your gross income and are not federally taxed. This is usually the same case when it comes to state level taxes as well.
- After-tax contributions are tax-deductible: Any contributions made after taxes are deductible from your gross income on your tax return. Doing so minimizes the amount you would owe on taxes for that year.
- Tax-free withdrawals: You can withdrawal money from your account for approved health care costs without having to worry about federal taxes. Most states do not tax, either.
- Annual rollover: Any unused HSA funds that are left over by the end of the year get rolled over to the following year.
- Portability: Even if you change health insurance plans, employers, or retire, the money in your health savings account will continue to be available for qualifying health care expenses.
- Having a health savings account is convenient: Most of the time, you will receive a debit card that is connected to your health savings account. This way, you can use your debit card to start paying for eligible expenses and prescription drugs on the spot.
The drawbacks to having a health savings account
While there are many advantages to having a health savings account, there are a few things to consider. For one, in order to qualify for an HSA, you must hold a high-deductible health insurance plan. The tax benefits might entice you to purposely sign up for insurance coverage under one of these health plans but think before doing this. Here are some of the disadvantages to having a health savings account:
- The High-Deductible Health Plan: These types of health plans can end up being a lot more expensive in the long run, even with an HSA. If you have other options for health insurance that offer lower deductible, definitely consider those and donât only choose a High-Deductible plan so that you can open an HSA.
- You need to stay on top of your spending: If you have an HSA, you need to be willing to hold yourself responsible for recordkeeping. Keep track of all of your receipts so that you can prove you spent your HSA funds on eligible expenses.
- Taxes and penalties: Using money from your HSA on other expenses that do not qualify as eligible health care expenses could result in you owing taxes. If you do this before the age of 65, you will have to pay taxes with a 20% penalty tacked on. If you are 65 or older, you will be responsible for paying taxes, but the penalty gets waived.
- Fees: Sometimes, health savings accounts will charge additional fees, either per month or per transaction. Check with your HSA institution for more information on extra fees.
How an HSA works
In many cases, if your employer offers high-deductible health plans, they probably offer health savings accounts as well. Talk to your employer to find out what they offer. If your employer doesnât offer HSAs, then you can sign up for a separate one through a different institution.
You get to decide how much you would like to contribute to your HSA annually, but keep in mind that you cannot exceed the HSA contribution limit. Once you are set up with an account, you will either receive a debit card or a series of checks that are linked to your HSA. Right away, you will be able to use the funds in your account for:
- Other eligible health care expenses that your insurance does not cover.
Generally, you cannot use HSA funds to pay your insurance premiums.Â HSAs are not the same as flexible spending accounts, because HSAs rollover. Once you turn 65, you are no longer eligible to make contributions to your account, but you can still use the available funds for eligible out-of-pocket expenses. If you use the funds for non-eligible expenses, you will owe taxes on these amounts.
Another benefit of HSA that you may or may not have heard of is that you can invest the money in mutual funds and stocks. If this is something that you are interested in, seek advice from a financial advisor for more information.
What is a Health Savings Account (HSA)? is a post from Pocket Your Dollars.
We don’t have to tell you that Thanksgiving looks and feels a lot different this year. This may be the first you you are cooking the big meal yourself. While we wish we could be there to help, the next best thing is to share with you our favorite tools for prepping a Thanksgiving feast. And once you’ve got all the tools ordered, be sure to check out our Pinterest boards, for all of our favorite recipes both for Thanksgiving dinner and for the accompanying drinks.
fat separator–ALL THE GRAVY-NONE OF THE GREASE
BRINING=ACING THE TURKEY GAME
SAVE STOVETOP SPACE -SLOW COOK YOUR MASHED POTATOES
BECAUSE YOU’RE PROBABLY NOT EATING THAT WHOLE PIE IN ONE SITTING…BUT WE WON’T JUDGE IF YOU DO
GET THE RIGHT TEMP
BASTE LIKE A PRO
BECAUSE MANHANDLING A HOT TURKEY IS NOT A GOOD LOOK
Stainless Steel Trash & Recycling Center
Read Must Have Tools for Thanksgiving Dinner Prep This Year on Apartminty.