Finance/insurance
Thinking of selling things online
Hi, I just got my work permit, so I was thinking of starting to sell handmade goods online (on Etsy, etc). Do I have to register this as a business? I am trying to ensure there's no problem with my green card, so I don't want to sell things illegally by accident.
Is it hard to register a business online?
Should I limit usage of credit card even all owed fees every day?
Hello! I've been using my credit card more often these days, but I make sure I pay for all the outstanding fees on my account every day. I've heard from someone that I still should refrain from spending too much through my credit card, because apparently if I use more than thirty percent of my credit card limit, it impacts my credit utilization ratio which negatively affects my credit rating. The only reason I use my credit card often these days is because I thought that if I keep making little transactions and paying for it immediately, it would boost my credit score. Can anyone tell me if it's true if using the credit card too much negatively affects my credit score even if I pay all outstanding fees before their due date?
High Deductible Health Plans and HSA
Hello, I'm moving jobs to another company, and it seems like they only offer a High Deductible Health Plan for insurance. They are offering a Health Savings Account, but I'm wondering how most people utilize this.
From what i've heard, people kinda use their HSA as a retirement account, putting maximum amount of money in it, continuing to invest in it while using their card for health costs, and saving the HSA up for the time when they really need a lot of medical fees (Aka after retirement). Is this really how most people use it for?
How do I maximize utility of my HSA?
Questions about Wash Sale
Assuming from a seed money of 100,000 dollars, you've repeatedly bought and sold Apple stocks until you've closed out with 110,000 dollars in account.
1. Do you only have to pay taxes for that 10,000 in profit?
2. If you sold some stocks at a loss during the exchange and bought them back later, you can't report it as being a loss due to wash sale rules. Do you have to report multiple instances of profits, however, when repeatedly buying and selling a single stock?
Credit Card Charge Back
Hi, I'm a small business owner. The customer paid for a repair job I did for him by card, but now I'm being notified by the card company that the customer requested a chargeback. They didn't even tell me the reason. They didn't make any complaint to me, and I thought the transaction was going perfectly normally, but now I think they are trying to get out of paying me at the last moment! Do credit card companies just give the customers chargeback on their words alone? Is there any way to fight this? This is the first time it has happened to me so I'm looking for some advice.
Colorado or Vegas, which is preferable?
I work in a medical field. Nothing well-paying as nursing, of course, but in a medical-adjacent field. I've been thinking, however, of moving to either Denver or Vegas. I know some people in Denver, but Vegas rent prices seem to be lower, and I'm pretty confident I can get a job in either place. Do you have any tips for which I should choose?
credit card for building credit
hi everyone,
I was recently started a new job in tech ( got my ead - still waiting for my Gc) - I have my SSN too - wondering what would be the best credit card to build credit? I see Discover & capital one credit cards around (plus have a capital one checkings + savings).
Insurance
Hi everyone,
My mother is immigrating in December from India. She has got her greencard approved.
Once she comes to USA as a greencard holder, will she be eligible for Obamacare? She is old and she might not go out for work and we were wondering if she is eligible for Obamacare.
If not, what are the cheap and best medical insurance to buy? how much will it cost?
Thanks in advance
