The Charles Schwab Debit Card and the Wise Travel Card are excellent cards to have when you travel in Europe. Schwab doesn't charge any fees for foreign transactions and will refund you for ATM fees. Wise, on the other hand, lets you open accounts in multiple currencies and reload them easily.

The Chase Sapphire Reserve is a good choice if you want to use airport lounges. Use ATMs in the area to get cash while you're away, let your bank know when you'll be away, bring a backup card, and make digital copies of your passport.

Coinbase Pro, or Kraken, can be used for bitcoin purchases. Binance.US is also a cost-effective option. Avoid credit card purchases, as they have high fees, and use a dollar-cost averaging (DCA) strategy for investment. Explore on-chain options like Swan Bitcoin for recurring buys.

You can visit the HealthCare.gov site to explore beneficial options for yourself. For possible cost-sharing cuts, set Silver plans as your top priority. Check the plan's formularies and service networks to see what medications are covered.

You can also explore the plans from Oscar Healthcare (user-friendly and transparent healthcare) and Molina Healthcare (for low-income individuals and families), beneficial for managing chronic conditions.

To get cash help, you can use the "estimated subsidy" tool. Also, look into Medicaid spend-down choices and local nonprofits that help with long-term care and medications.

To efficiently trade aUSDC, you can consider Trader Joe or Pangolin. Trader Joe's limit orders for aUSDC against WAVAX, the DeFi version of AVAX, allow you to manage price limits on your transactions.

Sorry for your loss, but without a private key, recovery of your wallet is not possible. No entity can restore your wallet. Just consider that your funds are inaccessible.

To establish a Truist One checking account, you need a valid ID proof, a Social Security Number (issued by the Social Security Administration), and an initial deposit.
While rewards are credit-focused, Truist One offers broader features than Go2bank; assess your needs against their respective fees.

The insurance company can increase the premiums because of a change in area risk, inflation, and market trends, not because of you. But if you have a favorable credit score with no criminal record, then you can look for some other banks with better rates, like GEICO and Progressive.

Altcoins give you positive gains but are more volatile than Bitcoin. The growth of Ethereum and Solana highlights a shift to diverse portfolios. Yet, Bitcoin provides stable returns.

To get the maximum returns, build a portfolio like that, invest some in Bitcoin and some in altcoins, but stay within your risk capacity.

Both are excellent options, but for $20-25K annual travel, you can consider Amex Business Platinum for a superior experience like lounge access, hotel perks, and flexible points for flights.

But for lower fees, excellent travel rewards, and simple redemption, you can go to Venture X Business.

So it's all up to you; pick based on what's most important to you: superior experience or lower fees.

Different plans cover different drugs. Many plans have different levels of prices for different types of drugs. UnitedHealthcare mostly covers common medicines like insulin and antidepressants. Generic drugs are usually less expensive than brand-name and specialty drugs. They give discounts at certain pharmacies. The costs of expensive drugs are based on your plan's cost-sharing system, which includes copays, deductibles, and co-insurance.

For exact coverage information, you need to check your plan's formulary and perks.

I would suggest you go with a balanced approach. Understand that VTI covers a lot of different markets, VOOG is all about growth stocks, and QQQ is all about tech stocks. QQQ will grow quickly, but it is more volatile.

So investing some amount in all three will lower your risk factor, and you can take advantage of tech gains.

Remember one thing for life while investing: for long-term progress, it's important to make regular investments and diversify your investments every month.

Small-cap companies can give you positive growth but have a higher volatility rate than established companies. If these small tech companies work, they bring positive returns. Established companies provide steady returns.

So for balanced results, it's better to diversify your money.

The key difference between Bitcoin and Ethereum lies in the functions they serve.

Bitcoin's main purpose is to be a secure, decentralized digital currency for transactions. Ethereum, on the other hand, lets people build decentralized apps. People perceive Bitcoin as more valuable because of its limited supply and security, akin to 'digital gold'. Ethereum focuses on being programmable, with a flexible supply.

In the US, the estimated value of your property, based on your living area, determines your property taxes. When you sell your property, you have to pay capital gains tax and city transfer tax.

For accurate details, it's better to take help from a real estate agent or tax expert. Only they can tell you the exact calculations and deductions on your property.

In the US, fixed deposits are called Certificates of Deposit (CD). There are 5 main types of CDs offered by the banks. These are:

Traditional CDs: They have a fixed term length and interest rate. High-Yield CDs: They offer higher interest rates than traditional CDs. No-Penalty CDs: Allows early withdrawal with any penalties for a certain period. Bump-Up CDs: Allows the customer to request a one-time increase in the interest rate if market rates rise. Jumbo CDs: A significant deposit, usually $100,000 or more, is required to access the higher interest rates of these CDs.

There are many banks that provide highly competitive CD rates:

Capital One 360 Ally Bank Marcus by Goldman Sachs Credit Unions

You can select any bank and open a fixed amount there; all the banks provide good interest rates on fixed deposits.

Many banks offer digital debit cards with features similar to Truist. Bank of America, Chase, Capital One 360, and Wells Fargo all provide cards that include standard digital banking features like contactless payments, mobile alerts, app integration, and enhanced security.

For you, I guess Chase Sapphire Banking Debit Card and SoFi Checking & Savings Debit Card would be the best. As these both cards provide offers, discounts on hotel bookings, and cashback on travel bookings, when you book through their travel booking platforms.

To save more money, you can join hotel loyalty programs (Hilton Honors, Marriott Bonvoy) and book through travel websites (Expedia, Booking.com) that offer you extra discounts.

For starting a homemade chocolate business, you need a Business license, a Food handler's permit, and potentially a Cottage food operation permit. The labeling of your food item must meet the standard set by the FDA. Check Local Health Department Regulations for food safety. Before starting a business, Insurance, Zoning laws, and Sales tax permits are mandatory.

There are many financial counseling resources that can help you. National Foundation for Credit Counseling (NFCC) and Consumer Financial Protection Bureau (CFPB). They provide guidance for free or at low cost, plans for managing debts, and tips to improve your credit score. There are some non-profit and community action groups that also help single parents; just call 211 to find local financial aid.