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here. Straight talk from the money editor Health savings accounts, which seem to be a hidden secret, can be an essential part of health-care and retirement savings strategies. An HSA is basically a custodial account that is designed to help people save for health-care expenses. I believe HSAs are a top strategy for retirement because you get a triple tax benefit. Contributions are pre-tax, growth is tax-free and withdrawals are tax-free for qualified medical expenses. If you're not familiar with an HSA and how it works, it's worth looking into. Of course, do your homework first and understand the pros and cons. Congrats, readers: 96% of you knew the definition of a junk bond. Perhaps I need to make these questions more difficult. Remember to follow me on Twitter @jimpavia. | | Watch out for high fees hiding in your health savings account Fees vary greatly for these tax-advantaged accounts, which help you pay for medical expenses and invest for the future. Here's how to find the right one. | Reports of retirement crisis exaggerated: Study A small group of researchers claim reports of a retirement crisis in the U.S. are overblown. In fact, they say retirees have never been in better shape. | Five cities with everything you want in retirement Move over, Boca Raton. These locales have just about everything most retirees seek. | Retirement savers ditch 'do it yourself' approach More than half of workers saving for retirement now rely on some form of professional allocation advice. | Your credit score is about to go up New standards will strip some negative information from credit reports, which means some scores will edge higher. | Donors giving bitcoin, alternate assets to charities Fidelity Charitable reports that people gave a record $796 million of nonpublicly traded assets to charities in 2016 through its donor-advised fund. | Retroactive applications net students more money June 30 is the deadline to file for federal student aid for the 2016-17 academic year. An 11th-hour filing could yield nearly $10K. | Senate bill doesn't fix biggest health problem The Senate health bill doesn't lower outlandishly high prices for our trips to the doctor, hospital visits, and prescription drugs, Vox reports. | The best first half for global stocks since 2009 "In years where the S&P 500 blows everything else away, you have to grit your teeth and show people the long-term evidence, sometimes repeatedly ... " |  | Sharon Epperson | |  | Josh Brown | | Feedback We value your input—use our simple form to let us know what you think. Click here for Real-Time data and top stories on your desktop or mobile device. |
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