Which one would you recommend? I've been using Cash App to DCA with no fees or spread. Does Strike have anything that Cash App doesn't have?

I've been looking for a cheap and simple way to buy bitcoin in the US and I've just discovered Cash App last night and it's amazing. I can set up recurring bitcoin purchases for no fees or spread. I can even get paid in the bitcoin! I do wonder if that is also free like the recurring buys. I'm actually surprised that I haven't heard about it earlier. Cash App FTW!

I am a new immigrant with little credit history in the US. I already have 2 US credits cards: the Chase Freedom Rise, and RBC US Visa (from my RBC US account). I was denied Bilt and American Express credit cards due to lack credit history recently. I am trying to understand how difficult would it be for me get approved for Prime Visa? I am trying to understand this because I don't wanna purchase the Prime membership if I won't be able get the Prime Visa.

Things that would prevent me from approved:

1. New immigrant in the US with little credit history
2. Recently got denied American Express and Bilt credit cards
3. Recently got the Chase Freedom Rise credit card (approved).

Things might help me get the card:

1. Prime Visa is powered by Chase and I bank with Chase. Have 18k in my checking account.

Hi r/HealthInsurance,

I recently moved to the US so I am not familiar with the healthcare system. I am 33 year old, generally very healthy but I do have Ankylosing Spondylitis, so I need regular visits to a specialist (once every few months), regular bloodwork (once every few months) and X-rays (every couple years), continuous prescription for biologics, and potentially an MRI if the doctor here requests it (I've already did it in Canada but who knows). I have no dependents (no kids, no wife).

My employers offers 3 different plans: the Exclusive Provider Organization (EPO), the Preferred Provider Organization (PPO), and the High Deductible Health Plan (HDHP) with an HSA--all from Blue Shield. Here is a summary of these plans:

Blue Shield EPO Plan

This plan offers the most predictability with fixed costs but requires you to stay within the Blue Shield network.

• Deductible: $0 for in-network services.
• Out-of-Pocket Max: $3,000 for individuals and $6,000 for families.
• Doctor Visits: $20 copay for primary care and $30 for specialists.
• Tests: No charge for diagnostic blood work or imaging like MRIs and CT scans.
• Hospital Stay: $250 copay per admission.
• Out-of-Network: No coverage exists for services outside the network.
• I pay $65.50 semi-monthly = $1,572 annually.

Blue Shield PPO Plan

The PPO provides a balance of lower deductibles and the flexibility to see out-of-network providers.

• Deductible: $350 for individuals and $700 for families.
• Out-of-Pocket Max: $3,000 for individuals and $6,000 for families.
• Doctor Visits: Fixed $20 copay for primary care and $30 for specialists; the deductible does not apply to these in-network visits.
• Tests: No charge for diagnostic lab work (deductible waived). Imaging is 10% coinsurance after you meet the deductible.
• Hospital Stay: 10% coinsurance after the deductible.
• Out-of-Network: Coverage is available but at a much higher cost (typically 30% coinsurance plus a higher deductible).
• I pay $64 semi-monthly = $1,536 annually.

Blue Shield HDHP (HSA) Plan

This plan has the highest deductible but allows you to use a Health Savings Account (HSA) for tax-advantaged savings.

• Deductible: $1,700 for individuals and $3,400 for families.
• Out-of-Pocket Max: $4,000 for individuals and $8,000 for families.
• Cost Sharing: Most services, including doctor visits, labs, imaging, and hospital stays, require 20% coinsurance after the deductible is met.
• Preventive Care: Covered at no charge before the deductible is met.
• Out-of-Network: Coverage is available at 40% coinsurance after a higher out-of-network deductible ($3,600 individual/$7,200 family).
• I pay $37.50 semi-monthly = $900 annually.

Shared Features Across All Plans

• Specialty Drugs: All plans charge 30% coinsurance for specialty medications, with a maximum payment of $100 per 30-day supply.
• Referrals: You do not need a referral to see a specialist under any of these plans.
• Emergency Care: Emergency room visits have a $100 copay in the EPO and PPO, while the HDHP charges 20% coinsurance after the deductible.

If you'd like to see the full details of the plans let me know. I don't think they are confidential.

In the light of this information, which plan do you think I should choose? How are the AS specialists on the Blue Shield network? Should I call the insurance company ask them?

Thank you for your suggestions.

I received 3 RSU (restricted stock units) grants from my employer--in 2024, 2025, and in 2026. Each grant vests over 3 years with quarterly vests. So the first grant spans from 2024 to the end of 2026, second grant from 2025 to 2027, and the third grant from 2026 to 2028. I moved to the US on May 1, 2026. RSUs get taxed at vest, i.e. quarterly.

From my colleagues who did the same relocation before me, I heard that after the move, our broker (Schwab) withholds both US and CA taxes. Then during tax season, CA gives them the federal portion of the withholdings due to the tax treaty between US and CA (but not the provincial part because the treaty does not cover that). I am trying to see if there is a way for me to prevent the CA withholding altogether or partially. Is there a form I can send to achieve this, e.g. T1213?

Hi everyone,

I'm looking for some advice on a cross-border tax situation and hoping someone here has gone through something similar.

My Situation:

• I recently moved from Toronto to New York for my job at a US tech company.
• I have a significant amount of RSUs that are scheduled to vest later this year and in the following year which were granted while I was in Canada.
• My understanding is that when they vest, my employer is required to withhold Canadian tax on that Canadian-sourced portion, likely at a very high rate.

The Goal: Since I'm now a US resident, I'll be paying US taxes on this income and then claiming a Foreign Tax Credit for the taxes paid to Canada. To avoid a massive cash flow hit from the high upfront withholding in Canada, I'd like to reduce the amount withheld at the source.

My Research So Far: I've learned about Form T1213 (Request to Reduce Tax Deductions at Source). It seems this is the form I would submit to the CRA to get a "letter of authority" that allows my employer to withhold a lower amount of tax, based on the fact that I'll be getting a foreign tax credit in the US.

My Questions:

1. Has anyone here successfully used Form T1213 for this exact situation (reducing RSU withholding after moving to the US) or other forms?
2. If you have, could you share your experience with the process? How long did it take to get CRA approval?
3. What kind of supporting documentation did you have to provide to justify the reduction?
4. Are there any common pitfalls or "gotchas" with this process that I should be aware of?
5. Alternatively, is this process more trouble than it's worth? Am I better off just accepting the high withholding and waiting to true-up everything via foreign tax credits when I file my US return?

Any advice, personal experiences, or even recommendations for good cross-border tax accountants familiar with this specific issue would be hugely appreciated.

Thanks in advance

Hey everyone,

I recently moved from Canada to New York City for work and I'm trying to figure out how to correctly fill out the IT-2104 form for my employer.

A bit about my situation:

• Single, no dependents
• One job
• Living and working in NYC (not Yonkers)
• Just relocated from Canada, so this is my first time dealing with US state/local taxes

I asked Claude and I think I should be claiming:

• 1 allowance for New York State
• 1 allowance for New York City
• $0 additional withholding across the board

But Claude is second-guessing itself because this is also a partial year of NY residency (I moved mid-year), so I'm wondering if I should claim 0 allowances to be safe for the first year to avoid owing at tax time.

A few specific questions:

1. Is 1 allowance each for state and NYC correct for my situation?
2. Should I be more conservative (0 allowances) given the partial year?
3. Does coming from Canada complicate anything here, like the US-Canada tax treaty?
4. Is there anything else I'm missing as a first-time US/NY taxpayer?

I'm planning to consult a CPA eventually but just want to make sure I'm not completely off base before I hand in my forms. Thanks in advance!