It's always better to double-check the terms and conditions before applying. As far as I know, that $200 bonus usually requires meeting a spending minimum within the first few months, and there are no annual fees.

It is possible that you may have selected some other service for $50. It's better to have a word with Chase customer service and clarify your doubts.

To apply for an EIN, visit the IRS website and complete the online application—it’s completely free. You'll receive your EIN immediately after finishing the process. Once you have your EIN, you can open a business bank account by providing the necessary business documents and personal identification. To cash checks, make sure the account is opened under your business name.

That's a very good initiative your mother is taking. To register the nonprofit organization, you need to do the following things:

You need to incorporate with your state's Secretary of State. Apply for an EIN (Employer Identification Number). The IRS issues this number. File IRS Form 1023 (or 1023-EZ). The difference depends on the annual gross receipts.

If the forms are approved, then the IRS sends the "Determination Letter" and confirm 501(c)(3) tax-exempt status. Once you get this status, then you need to separately apply for state-level tax exemptions. Once 501(c)(3) status is granted, your organization enjoys significant tax benefits.

About the tax implications:

Your organization needs to file the annual IRS returns (Form 990 series). Benefits include tax exemption and deductible donations.

You can check your refund status using the official IRS “Where’s My Refund?” tool online or through the IRS2Go mobile app. Enter details like your Social Security number, filing status, and exact refund amount. The IRS typically issues refunds within 21 days of filing an e-return.

Mostly investors are investing in ETFs as they are lower risk, offer instant exposure to hundreds of stocks, and provide more stability. On the other hand, individual stocks provide higher returns but with more risk factors.

ETFs mostly offer tax-efficient investment strategies because of their structure, often leading to fewer capital gains distributions than actively managed funds. So for a new investor, ETFs are best as they give broad exposure and reduce the risk factor.

It's always beneficial to diversify your investment. For investment, you can consider the Vanguard Total International Stock ETF (VXUS), the Vanguard FTSE Europe ETF (VGK), the iShares MSCI Emerging Markets ETF (EEM), the Franklin FTSE Australia ETF, or the Vanguard FTSE Emerging Markets ETF (covers China, India, and Brazil).

You are on the right track!!! If you have already reported the full interest income from the 1995 Series I bond on your 2024 tax return, then there is no need to report it again now.

So for now you can ignore the 1099-INT for 2025, but still you need to enter it and deduct the amount you previously reported on your 2024 return. If you do this, the IRS will get to know that you have already paid the tax on that interest.

Tax-exempt municipal bonds and US Treasury bonds are good options for safe income. Municipal bonds offer tax-free interest, and Treasury bonds are taxable but exempt from state taxes. They offer consistent income without touching your principal.

Regulations regarding blockchain are still evolving in the U.S. Regulations are there to balance consumer safety and innovation, and decentralization is complex but crucial.

The SEC and CFTC are two organizations that work to stop scams, frauds, and deceptive cryptocurrency schemes.

There are the CLARITY Act, GENIUS Act, Securities Clarity Act, Keep Your Coins Act, and Crypto Tax Clarity.

All these acts (7+ major acts) focus on regularizing cryptocurrency in the US. The US government is actively working on this to make our digital savings easier.

Investing totally in altcoins is kind of risky. Yeah, it gives you good returns, but they also carry significant risk. So, to get the good returns, diversify your investment approach.

Do some investment in cryptocurrencies (Bitcoin, Ethereum, and altcoins) and also in mutual funds, bonds, stocks, etc. Before investing, always keep in mind your risk tolerance capacity.

Stablechain is the first Layer 1 blockchain specially designed for stablecoin payments and uses USDT for gas directly. Through this, the transactions become easier, faster, and more predictable by eliminating variable gas fees. It also provides a reliable, effective platform for global payments.

MetaMask doesn't support ADA directly, your ADA is stored in a multichain wallet, which uses a different address format than your MetaMask.

To fund ADA gas for your wallet, transfer a small amount of ADA through a US-regulated exchange like Coinbase or Kraken to your Cardano wallet. On the exchange, trade ETH/SOL for ADA and send that ADA to your actual Cardano wallet.

Cardano (ADA) is growing in 2025, so diversifying in Cardano is a common strategy. Because of its strong academic foundation, Cardano has good long-term potential.

The recent data shows Cardano is at around $0.80-$0.89. According to CoinMarketCap, the slow and steady methodical growth approach will give benefits by 2030.

In the USA, the L1 ecosystem plays a very important role in cryptocurrency's future, as it provides the secure, fast, and decentralized base for all future applications. All this will ultimately determine the long-term winners, independent of short-term price swings.

Ethereum provides the decentralized platforms for smart contracts and dApps to run securely. Understand it is like an EPL approach, using Layer 2 (L2) solutions is crucial. This L2 handles transactions, which makes Ethereum faster and cheaper to use. Ethereum aims to provide value and maintain the brand dominance.

With the ongoing upgrades (zkEVM integration, RISC-V architecture), Ethereum still remains the powerhouse of dApps. Some analysts predict substantial price growth by 2025 and 2030.

Even after all these money-making future projects, cryptocurrency is inherently volatile, and past performance doesn't give you guaranteed future results. So still, it's kind of risky.

On the other hand, Ethereum ETFs are now approved for trading in the US, so they are regulated and have simple alternatives.

Air-gapped transactions are like offline crypto transactions, and they are totally isolated from any kind of connection like internet, Bluetooth, or Wi-Fi.

You can do the transactions only through the private keys. It's best because it keeps your Bitcoin keys offline on your transactions. Your data is transferred through QR codes or SD cards.

All these features make it the most secure option for your Bitcoin, as there is no issue of online attack or scam.

Yeah, this may be possible. Bitcoin is unique, a global and digital currency. Short-term gains are possible, but the crypto world is very unpredictable, so it's better to invest smartly.

Bitmain Antminer S21/T21 variations, Antminer S9 Hydro (underclocked), and iPollo Mini SE Plus are some great options to think about. All of these are made to be both suited for residential settings and energy-efficient.

Investing in Bitcoin gives you full control over your Bitcoin. No third party can freeze your Bitcoin.

And in Bitcoin ETFs, you are buying the shares that hold the Bitcoin, which gives easier access and regulated custody.

So investing in Bitcoin or in Bitcoin ETFs totally depends on your preferences.