Before you can open an HSA, you must first be on a High-Deductible Health Plan. The HSA is meant to offset the costs of the high deductible, so that's why it's only available with this type of plan.  Your plan should have this label on it. Plus, it will likely note that you can open an HSA with it. You can simply choose a High-Deductible Health Plan from your employer, or pick one when choosing health insurance from the marketplace exchange. HSA accounts are typically administered through banks, though they can also be administered through credit unions, insurance companies, and brokers. You can simply open one up with your bank if that's your preference, and you usually don't need another account with the bank. However, you should check on a few things, such as maintenance fees and investment options.  Maintenance fees can run anywhere from nothing to $5 USD or more per month. Also, ask if there are any other fees to pay. Your employer may choose your HSA administrator for you. Your health insurance company may also recommend a bank for an HSA fund. One benefit of an HSA is you can use some of the money to invest in mutual funds once you reach a certain amount, usually $2,000 USD. Investing in mutual funds can help you earn more money over time. If you just keep it as cash, rather than investing, you'll only earn a small amount of interest. Check on investment options. Some banks will have mutual funds to choose from, but others may not have a way for you to invest the funds.
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One-sentence summary -- Enroll in a High-Deductible Health Plan. Pick an administrator. Decide if you want to invest in mutual funds.


The best way to show you’re parents that you’re capable of taking care of a bird is to fulfill your other responsibilities. Make getting good grades a priority by devoting time to reading, studying, doing homework, and organizing your workload. Participate actively in your classes, be punctual, and ask for help from your teachers, classmates, or a tutor if you feel like you are falling behind. Show that you can provide a good living environment for a bird by cleaning your room without being asked to. Ask your parents for boxes or storage bins to organize your things in, and clear out any garbage, recycling, or items (e.g. clothing, books) that you can donate to a local charity. Make your bed and make sure that all of your clean clothes are folded and put away neatly. Show that you are committed to getting a bird by clearing out a space in your room large enough to fit the size of bird cage that you will need for the bird of your choice. Helping your parents with household chores will make you look responsible and help you gain points with them. Choose tasks around the house to do without prompting from your parents. Helpful chores might include:  Taking out the trash Watering the plants Cleaning the microwave Dusting Vacuuming Doing the dishes Sweeping the floor
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One-sentence summary -- Get good grades. Clean your room. Do chores around the house.


While the oven is heating, chop 2 onions. Also chop 5 cloves of garlic. Place the neck bones in a bowl or colander in the sink. Turn on cold running water. Place each neck bone under the water to remove cartilage, fat, and blood. Once all of the cartilage and fat are removed, rinse the neck bones one last time. Drain the water. Use a knife to remove tough fat and cartilage. Sprinkle 1.5 teaspoons (7.4 ml) of salt and 1 teaspoon (4.9 ml) of pepper over the neck bones. Use your hands to mix the salt and pepper into the neck bones. Mix the salt and pepper into the neck bones until they are evenly coated. Make sure to wash your hands with soap and water afterward. Spread half of the chopped onion and garlic on the bottom of a roasting pan. Pour 1 tablespoon (15 ml) of distilled white vinegar into the pan. Then add 1⁄4 cup (59 ml) of water to the pan. Use a spoon to spread the remaining chopped onion and garlic over the top of the pork. Cover the pan with aluminum foil. Place the pan in the oven. Bake the neck bones for 2 hours. While the pork is cooking, use a spoon to scoop up the juices. Pour the juices over the neck bones. This will prevent the neck bones from drying out. Remove the foil after 2 hours. Bake the neck bones uncovered for 45, or until golden brown. Remove the neck bones from the oven. Serve with rice or potatoes.
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One-sentence summary -- Preheat the oven to 375 °F (191 °C). Wash 4 pounds (64 oz) of pork neck bones. Season the neck bones with salt and pepper. Place onion, garlic, vinegar, and water into a roasting pan. Lay the neck bones side by side in the pan. Bake the pork for 2 hours. Baste the pork every 30 minutes. Bake the neck bones for an additional 45 minutes.


Do not use warm water. For older insect stains you have to soak it longer. If the stain is still visible, repeat the soaking process.
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One-sentence summary --
Scrape off the excess crusted matter using a brush. Mix 1/2 teaspoon liquid detergent with enzymes, 1 tablespoon ammonia and 1 quart cold water in a basin. Soak the fabric for at least 30 minutes. Wash the fabric as you normally would.