Instead, the title of marine biologist is an umbrella term that can refer to a variety of jobs and purposes, like fish biologist, microbiologist or marine mammalogist. Marine biology is the study of marine ecosystems, which can range from studying individual microorganisms to entire environments.
1 You open a savings account at the bank. 2  The bank pays you interest on the money that you deposit and leave in that account. 3  The bank then loans that money out to other people, only they charge a slightly higher interest rate on the loan than what they pay you for your account.
How does an HSA work? An HSA is much like a savings account, but the funds are reserved just for eligible healthcare expenses. Unlike a simple savings account, the money is deposited tax free or tax deductible, and the funds remain tax free when used to pay or reimburse for eligible medical expenses. The interest and earnings grow tax free.*.