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Abby Hayes

There are now more ways than ever to watch free movies online. Here are 10 of them, some of which offer recently released flicks.

watch free movies online

If you’re anything like me, your family time and date nights often involve watching movies. There’s nothing our five-year-old likes better than curling up on the couch with some popcorn to watch one of my favorite childhood classics.

But all that movie watching can get expensive, especially if you don’t already pay for TV-watching services like Netflix and Hulu. And even then, you can pretty quickly tap out those services’ movie lists if you’re at all picky.

Luckily, there are lots of great places online that let you watch movies for free. Sure, you might have to wait a while before you can watch the latest blockbuster. Or you might have to search through a few different sites before you find the movie you want to see. But these sites may be a good way to get some movie watching in without paying a dime.

Of course, you need to be careful when figuring out where to watch movies for free. Many movie-watching sites are basically scams or feature illegally-uploaded content. We’ve done our best to help you avoid sites like these in this list.

Here, in no particular order, are the 10 most legitimate options we found:

1. SnagFilms

This streaming site has a variety of types of movies, including some classics and some you’ve probably never heard of. It definitely specializes in artsy films and documentaries. But you’ll also find family movies, comedies, and more.

2. Top Documentary Films

This site is just what it sounds like: a place to watch great documentaries. It’s got everything from low-budget productions to better-known documentaries. You’ll likely find some interesting options here that you’ve not heard of before.

3. PopcornFlix

This site includes recent-ish movies, like M:I-3, as well as some TV series. You can stream them directly from the site. It also includes a wide selection of older movies and TV shows. You’ll have to watch commercials in order to access the content. But that’s no big deal for free content!

4. Amazon Instant Video

Even if you aren’t a Prime member, you can access some movies for free on Amazon Instant Video. And if you’re already a member of Amazon Prime, you’ll get access to even more movies. So these aren’t strictly free. But if you use Prime for other things, you should always double check to see if you can find a good movie to watch on Prime before you went one.

5. PBS

PBS has produced a lot of great content over the years, including movies and feature-length series episodes. PBS Masterpiece Studio offers a wide variety of content, and you can stream some of it online for free.

6. My Lifetime

If overly dramatic Lifetime movies are your guilty pleasure, you’re in luck. You can stream some online. Current options include Sea Change and Drink, Slay, Love. You have to sign in to watch using your TV provider login information. But Hulu counts as a TV provider, so you probably have an account that will work.

If you don’t see the options you want to watch, you can get a Lifetime Movie Club membership for $3.99/month or $39.99/year.

7. BBC America

The BBC produces some of my personal favorite content anywhere. They stream a limited number of free movies, both new and old, on their website. The options change out frequently, and you can always see how many days a film will be available for. As I write this, A Knight’s Tale and Legion are the available options.

8. Crackle

As a Sony-owned site, Crackle is probably the best place online to get newer releases of popular movies. Right now, you can watch movies like 7 Seconds and Man of the Year. If you create an account, you can add movies to a watch list to watch later. Or you can stream them right away. Crackle also lets you see trailers and clips of old, new, and upcoming films.

9. TubiTV

You have to register for an account to even get to Tubi’s content. But once you do, you’ll get streaming access to a variety of old and new films. Right after I registered, classics like Dances with Wolves popped up on the rotating home page. But you can sort Tubi by a variety of categories, many of which include both lesser-known and newer, more popular movies. This one offered more kid-friendly movies than some of the other services listed here.

10. YouTube Movies

YouTube has its own movie rental service. It can actually be a fairly affordable place to rent or buy the latest releases. But you can also watch free full-length movies there, too, including several classics like Gaslight and Charade.

The Bottom Line

You’ll find much longer lists of free places to watch movies. But we tried to weed out any that seemed shady, ad-heavy, or that gave us actual security warnings when we tried to play the movies.

Using this list, you can probably find something to watch for more than a few nights in. But if you want the top new releases as soon as they come out, you’re probably going to have to pay for them. So your goal then is just to find the cheapest possible way to rent those movies when you really want to watch them right away.

(And, of course, remember to take those Redbox movies back the morning after you watch them!)

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Clipping coupons can save you money. It’s also a pain. Here’s how you can save money without coupons or the hassle that comes with them.

save money without coupons

The retail industry has everyone fooled. Millions of people spend their time scouring for deals, clipping coupons from the newspaper, plugging into the latest mobile deal applications, and sharing their finds on Facebook to recruit friends for group deals. Meanwhile, the companies on the other side of the transaction are generating higher profits.

Can anyone really complain? Consumers are saving more money than ever and yet retailers are raking in more revenue. Even as we’re still trying to recover from the employment effects of the recession and economists say the middle class doesn’t have enough to spend to stimulate the economy on their own, the industry is thriving.

The National Retail Federation won’t release its annual holiday predictions for a couple more weeks. But I bet when it does, they’ll expect plenty of growth over last year. The NRF tends to be very optimistic heading into the holiday season. But they haven’t yet misplaced their trust in consumers’ capacity to spend.

It seems like this should be impossible. How can consumers be saving more while retailers are bringing in more revenue? Well, there are two important assumptions to overcome.

1. Saving more is not the same thing as spending less.

Retailers will continue offering sales, deals, and coupons because these tricks simply encourage consumers to spend more. A perceived deal can help convince a spender to open his wallet or swipe her credit card when they might not have otherwise. This isn’t the result only on the large scale. It’s proven behavioral finance that holds true on an individual basis.

A recent study found that heavy digital coupon users spend more than twice as much per year as non-coupon users. If you use coupons, you spend more, not less. You are not saving money. It’s true you’re getting more for the money you are spending. But research clearly shows you wouldn’t be spending that money in the first place without the coupons.

The only way to save money is to spend less. And most of the time using coupons doesn’t actually help you reach that goal.

2. It’s a zero-sum game.

Economists talk about the growth of wealth not being zero-sum. That is, when some individuals become more wealthy, another group doesn’t necessarily have to become less wealthy. The economy can grow and, in theory, lift everyone who plays a part in it.

Another way of illustrating the lack of the zero-sum game in the economy is by talking about wealth re-distribution upwards. Consumerism is how money from the middle class and lower goes through a process that benefits the corporate class–the executives in large corporations, private equity firms, and preferred shareholders. If the transaction is reduced to its basic components, it looks like money is simply moving from consumers to producers, building more wealth for one group of society while keeping a larger group financially dependent.

Economists agree the process is more complex than this. And as producers show their relevance to society, they create enough economic substance, adding to the full “pie” to match or exceed the wealth that flows in their direction.

But on an individual level, the macroeconomic reality isn’t relevant. The bottom line is that when you spend money, you have less money. What you spend as a consumer doesn’t come back to you in the form of greater potential for building wealth. Every purchase eats into your wealth. The more you spend on movies and concerts, the less you’ll have available for food, rent, and long-term savings.

When you understand the above factors, you’re better able to make choices that actually help you spend less money, rather than just “saving money.”

How to Actually Save Money

So what kinds of decisions should you make instead of using coupons? Try these:

1. Shop less often.

I could buy some new items every time I go shopping for clothes. A few weeks ago, I found myself at an outlet center near the New Jersey shore. It’s hard to resist some of the nice clothes I can find on sale. I’m tempted to buy something every time I’m shopping, which is completely unnecessary. If I just don’t go, I wouldn’t buy anything.

This counts for necessities, too. How often do you buy a few extras at the grocery store? Cutting back to two or three trips a month can help you avoid this.

2. Conserve what you have.

A corollary to the above is that you can make what you already own last longer. In terms of clothing, I still had a lot of my clothing from college–and even some tee-shirts from high school. I was probably thirty-five years old when I finally went through and eliminated some of the stuff I didn’t want to or could no longer wear.

But because for many years I had no extra money to spend, I simply made do with what I had. It wasn’t until I had some extra income that I decided it was time to upgrade my wardrobe — although it helped that I wasn’t going into an office every day.

Again, this can also apply to food. Clean out the fridge and pantry and eat up the leftovers before you grocery shop!

3. Buy in bulk.

From a behavioral finance perspective, there is one trick that does work to spend less money over the long term: buying in bulk. But there’s a trade-off. You need to store what you buy. Having more stuff takes up extra space, requiring a larger living space than you might otherwise need.

And there’s an up-front cost. You’re spending more money today than you normally would. It reduces your cost in the future. But a lot of people living paycheck-to-paycheck can’t necessarily handle larger up-front expenses.

However, there are some great bulk buying options on the market today, including websites like Boxed. These can let you get just a few things in bulk at a time. And they don’t necessarily have an annual membership fee. So if you can buy toilet paper in bulk this month and paper towel next, over time you can build a stockpile. And this can save you some serious cash.

4. Reconsider your needs and wants.

Many times we’re spending more than we need to spend because we haven’t given a lot of thought to whether a purchase is necessary. Sure, it’s sometimes fine to spend unnecessary money for something you don’t really need. This is especially true as you get closer to the goal of becoming financially independent!

But you shouldn’t be in the habit of automatically gratifying your every whim. Take some time. Add a delay into the process. Wait twenty-four hours if you find yourself with the urge to make an impulsive decision. This provides an opportunity to consider your other options or how that money could be otherwise utilized.

And, of course, it’s always a good idea to shop around. Sometimes a quick online search can net you serious savings on something you’re planning to purchase.

5. Use coupons and loyalty programs wisely.

I know. I just said that you shouldn’t use coupons. But that’s not the case 100 percent of the time.

One smart option is to look for coupons after you’ve decided to purchase something. This is easier with apps like Honey. It searches for coupon codes while you’re in the checkout process online. So you can shop as if you were not going to use coupons. But then if you get them, you can go on your merry way, having saved some money.

There’s something similar to be said for rewards programs. For instance, I get loyalty rewards offers from Van Heusen, one of my favorite clothing brands. But typically, I have to spend those rewards within a certain amount of time. Sure, that $20 towards my next purchase could buy a new shirt. But if I start shopping, I’ll likely spend a lot more than that. And that’s money I hadn’t planned on spending originally.

However, sometimes these types of “spend it before it’s gone” deals can be worth signing up for. For instance, kids’ clothing stores often have these programs in place. And since kids go through clothes so quickly, these rewards can add up quickly. Just use them wisely. Buy your kids’ clothing in small batches, rather than large shopping sprees. And buy sizes ahead if you get good discounts that expire within a certain time frame.

And, of course, you should always be on the lookout for similar brands that offer the same stuff at a cheaper price. Loyalty programs can trap you by keeping you from shopping around. So don’t feel tied down to a certain retailer because of their loyalty program.

6. Use a budget.

There are as many different ways to budget as there are people. But the bottom line is that a budget is a spending plan. When you take time to plan out your spending for the month (or week or even year), you’ll have some goals in mind. And you’ll know–if you’re tracking your spending–when you’re spending outside of the budget.

This can be a powerful tool to curb unnecessary spending. And it plays into tip four above. When you have to plan out each month’s spending, you won’t let yourself jump on “deals” this month just because they exist. So that sale makes you feel like you need a new pair of jeans and a sweater? Great! Put that in next month’s budget, and buy it then!

It’s tempting for any particular person to believe that they are better than the average: Overall, people who use coupons end up spending more money, but I’m the exception. Well, that’s always a possibility, just as it’s possible that you’re an above-average driver. But it’s not likely, just as studies show that more than half of the population believes they’re better drivers than average. This is the illusory superiority cognitive bias.

Ditch the coupons, and stop wasting your time on efforts that don’t actually save money. Consider your choices, and make decisions about your shopping behavior while keeping in mind the tools and techniques that do improve your financial situation over the long term.

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You can get your credit score for free if you know where to look. Here are eight ways to check your FICO score without paying a dime.

Get Your Credit Score for Free

Many consumers know that they can get a free annual credit report from each of the three credit reporting bureaus: Equifax, Experian, and TransUnion. But this report only shows your credit report, not your actual credit score.

When you go to get your free annual credit report, the credit bureau will likely ask if you want your numerical credit score. There will almost always be a fee involved with providing this to you.

It is useful to know this number, especially if you’re trying to increase it or plan to apply for credit. But did you know that you don’t actually have to pay for your credit score? More and more websites these days are offering them for free.

Before we dive into the details, let’s talk about one quick thing: you have more than one credit score. It’s confusing but true!

There are several different credit scoring algorithms, created by companies like the Fair Isaacs Corporation (FICO). These models each have a slightly different emphasis. They’re meant to give lenders the most relevant score for the type of loan you’re trying to obtain. And each of these models can be applied to each of your three credit reports, which typically contain slightly different information.

So if you look at your score through more than one of these free options, you’ll likely see slightly different numbers. That’s normal. You’re just getting an idea of what lenders will likely see when they pull your credit report and score.

Here are our eight favorites:

1. Credit Karma

This website specializes in providing consumers with a free credit score, updated monthly. Credit Karma is one of the more valuable options on this list. Most free credit score options are based on a credit file from just one of the three major reporting bureaus. Credit Karma offers scores based on both your TransUnion and your Equifax reports.

The free dashboard will tell you if your scores have changed recently. It will also cover the factors that influence your credit score, including your payment history, credit card utilization, and more.

Unlike many of the free credit scores named here, Credit Karma’s will give you access to your credit report details, including current credit card balances, derogatory information, and more.

Credit Karma is also helpful if you’re shopping for a credit card, as it will recommend cards based on your current credit score.

Try Credit Karma

2. Credit Sesame

Answer a few basic questions, and Credit Sesame will give you access to your TransUnion credit score for free. If you’d like to have all three credit bureau scores, you can pay $15.95 per month. You can also opt to pay $19.95 per month for access to all three bureau scores, along with credit monitoring and ID protection.

One interesting feature of Credit Sesame is its borrowing power estimate. It tells you how to apply for different credit cards that it recommends, as well as loans to borrow funds you may need.

Credit Sesame grades you on each aspect of your credit score, including payment history, credit usage, and account mix. It’ll give you details on problems in each of these areas, as well as ideas for how to improve your credit score. Quizzle also rates your debt-to-income ratio, based on self-reported income information. This isn’t included in your credit report, but is useful to know if you’re planning to apply for a major loan, like a mortgage.

Try Credit Karma

3. Quizzle

Quizzle’s score is based on the VantageScore model, which may look different from models based on the FICO scoring model. It’s still an accurate representation of your creditworthiness, though it may not be exactly what your lenders see if they prefer to pull a FICO score.

Quizzle DashboardLike the other options here, Quizzle’s score offers a variety of tools. It includes a credit summary that shows all of your different accounts and their balances. It also offers a complete overview, including credit utilization, available credit, length of credit history, and average age of accounts.

Quizzle’s “trending” feature allows you to track your progress in a variety of areas related to your credit score, including your actual score, available credit, balances, and more. This can help you see how you’re progressing with raising your credit score month over month.

4. Discover Scorecard

Even if you’re not a Discover customer, you can sign up for a free Scorecard account. This option will provide you with your Experian FICO score. You’ll get your actual numerical score, as well as a grade that compares your score to the rest of the U.S.

Discover Scorecard

Discover’s Scorecard will give you access to the various aspects of your score, including your open accounts, length of credit history, credit utilization, and missed payments. It’ll tell you what’s helping and what, if anything, is hurting your score. Discover offers several financial products, including personal loans. The scorecard will tell you if you might qualify for a lower-interest personal loan, which you could use to refinance higher-interest debt.

5. LendingTree

Sign up for an account with LendingTree, and you’ll get access to your free credit score from TransUnion. Similar to the other services, LendingTree will track your score over time, and will grade each aspect of your score. This includes negative marks on the report and your available credit. It’ll also give you specific ways to improve your credit.

Lending Tree Dashboard

Besides giving you recommendations for credit cards that fit your score, LendingTree will give you offers for personal loans and refinancing options. One of the interesting things about LendingTree is that it’ll give you specific ways to save, based on your current situation. For instance, it may tell you that you can refinance a specific personal loan to a lower payment. It’s a useful tool if you’re hoping to refinance your debts to pay them off faster.

6. Credit.com

This service is interesting because credit.com will show you both your FICO score and your VantageScore 3.0. This way, you can get some perspective on how they’re different. It’ll give you grades on the various areas of your credit score, including how you stack up to the average American.

Credit.ocm Dashboard

Credit.com will also create a customized plan for you to reach a higher credit score, and it’ll estimate how high your score could go if you followed the plan. For instance, your plan might tell you to have no late payments for a certain number of months and pay off an extra $X in debt each month. Then, it’ll tell you approximately how high your credit score should be at the end of that period.

7. Your Credit Card Company

More credit card companies are now jumping on the free credit score bandwagon. Your statement or online account may come with access to a free credit score. Some card companies, like Capital One, even offer a credit simulator tool, where you can “try out” different credit decisions to see how they could impact your score.

Credit card companies currently offering their customers free credit scores include Discover, Citi, Chase, Bank of America, Barclaycard, Commerce Bank, American Express, Capital One, First Bankcard, USAA Bank, US Bank, and the Walmart Credit Card.

8. Apply for Credit

As of 2011, lenders are required to provide customers or potential customers with a copy of the credit score the lender used, even if the customer is rejected for the loan or line of credit.

Applying for credit can ding your score. If you’re going to do it anyway, be sure the lender provides you with a copy of the score used.

Keeping track of your own credit score through your credit card company or these free methods will not harm your score, and may even help you bring it up more quickly. The only option listed here that will impact your score is applying for credit. So before you do that, use a free option to pull your credit score. That way, you’re more likely to apply only for credit for which you’re likely to be approved.

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A Health Spending Account is a great way to pay for healthcare or save for retirement. To help, we’ve surveyed the very best HSA accounts available today.

best hsa accounts

It used to be that consumers didn’t have much choice when it came to HSAs. Many of these accounts were little more than dedicated-use high-interest savings accounts.

Now more options are on the market. And this means more investing options for your health savings account.

This makes choosing an HSA a bit more work. But that work can pay off in the end.

Just think of your HSA as a way to invest an additional few thousand bucks a year. If you’re healthy and don’t generally have high medical costs, that money can roll over from year to year. Invested wisely, it can grow tax-free. And as long as you use withdrawals for qualified medical expenses, those will be tax-free, as well.

This can make a big difference in retirement, when your medical expenses will rise naturally. (Old age eventually catches up with the healthiest of us!)

So you’ll want to put some work into choosing an HSA. Even if you have a convenient employer-sponsored option available, you can still go off-route with an HSA of your own. You’ll just contribute post-tax income, and then take the contributions as a write-off when you file your taxes.

Here, we’ll talk about what to look for in an HSA and outline some of the best options available on the market today.

What to Look for in an HSA: Two Options

Looking at an HSA is similar to looking at an IRA. You want to look at a couple of factors, including:

  • Fees: This is how much the account will cost you on a monthly basis, including any expense ratios. But you should also look at fees attached to trading or making new investment decisions within your account.
  • Investment Options: You’ll also need to consider what investment options are available. This used to be a big weakness with HSAs, but things are getting better. Several of the accounts we’ll highlight here offer IRA-like investing options, including mutual funds.

While both of these factors are important, they shouldn’t carry equal weight. Depending on your circumstances, you’ll need to look at one factor more than the other.

If you’re planning to spend down much of your HSA, look more closely at the fees–especially any potential per-transaction fees. If the money isn’t going to sit in your account for long, you don’t need to worry much about your investment options.

This would be the case if you have a sick individual in your family, or if you have young kids with constant doctor’s appointments. This would also be the case if you can’t afford to max out your account annually. Maybe you can only put in $500 or $1,000. That’s fine. But in this case, you should be more concerned with fees eating away at your account balance each month than with investing options.

If you’re planning to invest your HSA for the long run, be concerned about investing options. You should also be concerned about investing fees. After all, fees can quickly eat up your earnings within your account.

However, you’ll also want to look closely at the investing options. It can be worth paying some small fees for access to investing options that can far out-earn those fees. If your goal is to get a good return on your money, be sure your account gives you options that can do that.

If you’re closing in on retirement, you may also want to look at accounts with a wide variety of investing options. As you get closer to retirement, you may want to pull your investments from high-risk, high-reward investments to low-risk but stable investments. This is just like you’d manage your 401(k) or IRA.

How We’re Assessing HSAs

There are plenty of HSA options on the market. So there’s a chance that we missed a good one. If so, let us know in the comments.

We looked at data from a Morningstar study called The 2017 Health Savings Account Landscape. The study did a deep dive into HSA investing options and fees. We dug through this data–as well as data from a couple of other reputable roundups–to find the lowest-fee and best-investment HSAs.

First, we’ll talk about the low-fee options. Then we’ll dive into those with the best investing possibilities. Finally, we’ll highlight the account we think balances both the best.

Best HSA for Low Fees

So you’re one of those people who will likely use your whole HSA balance this year? In that case, you need to search for an HSA that has the lowest possible fees. Otherwise, your balance will slowly get worn away by expenses that are not medical expenses.

Saturna Capital

This administrator specifically focuses on HSA options for individuals. It has two account options–one that allows you to invest only in Saturna’s affiliated mutual funds and another that’s a self-directed brokerage HSA.

As you might guess, the first account type comes with lower fees. Saturna doesn’t charge any fees for account opening, account maintenance, statements, low balances, or closing your account. It also charges no fees for contributions, trades or exchanges, or account transfers.

In fact, the only fees Saturna charges are for wire transfers and overnight delivery of reimbursement checks. These rates vary, depending on the industry rate.

Saturna offers conveniences like the ability to invest directly from your bank account, redemption requests by phone or in writing any business day, and reimbursements into your bank account at no charge.

The one thing that Saturna is missing is a debit card or checkbook attached to your account. This is one of the reasons it’s able to charge such low fees. This can be problematic if you’re on a tight budget, as you’ll have to first fund the account, then pay medical expenses out of pocket, and then wait for a reimbursement. It sounds like reimbursements come quickly, but for a few days, maximum, you’ll basically have paid those medical expenses twice.

Still, even with this limitation, Saturna looks like an excellent option for consumers who want to spend down their HSA balances frequently. We’ll talk more about their self-directed account option in the section on investing.

Credit Unions

I actually came across loads of local credit unions in my search that offer very low–or even no–monthly maintenance fees on HSAs. They often specialize in FDIC-insured accounts earning a bit of interest based on average daily balance.

However, I’ve chosen not to list all the credit unions here because many have very specific eligibility requirements for members. But the bottom line here is that if you’re looking for a low-fee, no-frills HSA that you don’t particularly want to invest, check your local credit unions first.

Best HSAs for Investing Options

Of course, all good investors also care about fees. But if you want to invest your HSA funds for the long-term, it’s important to have investing options. Here are the accounts we think have the best ones.

One thing to note is that the individual investments you choose with your HSA funds may have fees of their own. Read this article to learn more about these types of fees, and be sure to pay attention to these as you choose invest.

Health Savings Administrators

This administrator offers first-dollar investing. So even if you start out contributing a few bucks a month, you can invest it. They don’t charge investment transaction fees, either, which can keep more of your money around for investing.

These accounts let you choose from over 100 investment options, including options from Vanguard, Dimensional, and Franklin Templeton, among others. The account investors should choose is the InvestorSelect option. It has a $45 per year administrative fee plus a 6.25 basis points per quarter custodial fee.

Health Savings Administrators’ transactional fees look pretty hefty, but you can avoid most of these fees.

Optum Bank

Optum Bank has relatively low fees, though its monthly fees are variable and difficult to suss out. But they do have a good variety of investing options, including access to the Charles Schwab target date funds.

It offers access to a variety of mutual funds, which you’ll find here. Optum does not charge trading fees, and all the funds are available without paying any fees. Again, you’ll have to check the fees for the individual funds you choose, though, as they will carry fees.

Best Balance of Both Worlds

What if you want a bit of both? You’ll spend some of your HSA each year, but you also want to invest it? These are the two accounts I think win out in that arena:

HealthEquity

I actually stumbled on HealthEquity when looking for Alliant Credit Union. Alliant’s HSAs were the highest-scored option in the Morningstar spending account category. But they’re actually transitioning over to HealthEquity accounts in 2018.

According to their list of fees, there’s an account setup and monthly administration fees are typically paid by the plan sponsor. However, if you use one of these accounts independently, HealthEquity will charge up to $3.95 per month in maintenance fees.

You can use a debit card to pay your qualified healthcare expenses for free. Or you can order reimbursement checks, but those cost $2 each.

The interesting thing about HealthEquity is the variety of account types they offer. You can choose to keep your funds in an FDIC-insured account that earns a basic–pretty low–interest rate. Or you can invest in one of three account types:

  • Auto-Pilot: This account offers full service advice, automatic implementation and rebalancing, and portfolio alerts. It charges monthly service fees of .08% and monthly investing administration fees of .033%.
  • GPS: This account option splits the difference between full-service and self-directed. You can get some investing guidance from HealthEquity, but you’ll be primarily responsible for doing your own investing. You can, however, get portfolio alerts. The fees are slightly lower: .05% monthly service fees plus .033% investing administration fees.
  • Self-Driven: With this type of account, you’re totally on your own. You’ll have plenty of investing options, but you’ll be totally responsible for checking out your account and making choices. There are no monthly service fees, but the account still carries the monthly investing administration fees of .033%.

Saturna Capital

If you want to take complete control over your HSA investing and have lower fees, Saturna is, again, a great option. Again, it lacks some of the conveniences of other HSAs. But if your primary goal is long-term investment, that’s not a big deal. You could always invest for the long term with Saturna, then move your account to a spending-oriented, FDIC-insured account with a debit card when it’s time to spend down the money.

Saturna’s self-directed Saturna Brokerage HSA has very low fees. The only monthly fee is a potential inactive account fee if you have had no trades for the entire year. Other investing-related fees are charged according to this commission schedule. In general, trading online by yourself will be cheaper than broker-assisted trading.

Saturna offers a wide range of investing options. It’s a good choice if you’re planning to do very little shifting of your investments over the year, but want to invest for the long term.

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How Many Savings Accounts Do You Need?

by Abby Hayes

Back in the day, we had just one savings account. Mine came with a passbook. Now we ask–how many savings accounts do you need? We have the answer. These days, more banks are offering low- or no-fee savings accounts. This can make it tempting to open a lot of different accounts. And, in some cases, […]

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Fact or Fiction: A Credit Card Balance Will Increase Your Credit Score

by Abby Hayes

Some say carrying a small credit card balance will increase your credit score. Is that true or an urban legend? We asked the credit experts. I’ve spent countless hours research credit scores. One of the more interesting assertions I came across had to do with credit card debt. Some financial experts say it’s better to […]

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21 Best Paid Survey Sites

by Abby Hayes

It’s possible to make good money from home taking online surveys. To help, we’ve assembled 21 of the best paid survey sites. Have you been looking for an easy, low-lift way to make money online? Paid survey sites are a popular option. There are literally hundreds of these sites around, though not all of them […]

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3 Quicken Alternatives Now that Quicken Online is Dead

by Abby Hayes

Quicken online is gone. But there are plenty of great options. Here are the three best Quicken alternatives (and #1 is totally free). Not all that long ago, Quicken was the leading giant in the personal financial planning market. It did everything you could want in a software. Then, Quicken one-upped itself by launching Quicken […]

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The 4 Best Meal Plan Services (and cheapest, too)

by Abby Hayes

The best meal plan services don’t have to be expensive. Here are the best and cheapest meal plan delivery services. We’re all busy these days. And that sometimes translates into too much eating out. Or maybe for you it means meal-planning burnout. In an effort to save mental energy, you just make the save handful […]

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The Best Term Life Insurance Companies

by Abby Hayes

There can be a lot to consider when shopping for life insurance. Cost and ease of application might sway your initial decision but does that make it the best choice? When it comes to life insurance, things seem so complicated that you may not feel like shopping around. Maybe you just take the policy your […]

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