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.

Capital One 360 checking is beneficial for you if you use ATMs a lot, as it gives you access to more than 39,000 ATMs, including Allpoint and MoneyPass, which is way more than Wells Fargo.

Additionally, there are no monthly fees, and you have the option to directly deposit your checks on your phone and receive an early deposit.

Even with minimal capital, you can invest in US real estate. REITs and crowdfunding offer accessible entry. House hacking reduces costs by generating rental income from your home. Consider partnerships for shared investment. Explore affordable local markets and government-backed loans for first-time buyers.

Vertical farming is best, as it doesn't need more space to do. You can use hydroponics or aeroponics methods. You can maximize your profit by focusing on high-value crops like some green vegetables and herbs.

You can directly sell your products to local restaurants or sell at farmers' markets to boost revenue.

By running automated code on a blockchain, Web3 smart contracts remove the need for middlemen. Front-end applications use APIs to communicate, enabling actions like token transfers and data storage. When a user triggers an event, the app sends a transaction, updating the blockchain via the smart contract. These contracts, deployed on platforms like Ethereum or Solana, ensure secure and decentralized connections between apps and the blockchain.

This 5% return is very attractive, but it's riskier than a traditional FDIC-insured savings account. They offer a lower interest rate, but savings accounts provide safety.

USDC's stability depends on its reserves and issuer. For large sums, prioritize security over high returns. If you want stability and liquidity, then High-Yield Savings Accounts (HYSAs) are a safe option.

Ethereum, Solana, Cardano, and XRP are some good options for long-term investments.

Strong financial performance is a positive indication, and Eli Lilly is doing well because of their excellent work in type 2 diabetes medicines. The price of their stock is high, but that doesn't mean it will always be in that state.

So I would suggest, before investing, that you evaluate long-term growth prospects, competition, and potential risks. Always remember one thing: diversification is key; don't just rely on only one stock for long-term growth.

A price rise is a good signal, yet it doesn't assure a lasting upward trajectory. The cryptocurrency market is known for its volatility, so daily gains don't forecast long-term success. Prioritize analyzing Cardano's underlying technology, adoption, and overall market mood, rather than just daily fluctuations. Quick price increases can be temporary.

Liability insurance comes into the picture when you are responsible for others' damage.
Collision covers damage done to your car from an accident.
Comprehensive protects against non-collision incidents like theft or damage done because of weather.
All these coverages offer distinct forms of protection for different types of events.

The S&P 500 provides information about the performance of 500 leading US companies in the stock market. These companies cover many areas, like healthcare and tech, finance, and consumer goods. It's a key measure of the market's strength, and because many investments try to follow its performance, it's a vital tool for investing and understanding the economy.