Search found 166 matches

by 111
Sat Aug 08, 2015 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: HSA newbee
Replies: 8
Views: 811

Re: HSA newbee

111, thanks I will check into the fee, but what do you invest in for your HSA? I only use the commission free ETFs. Mostly VT though at times I had some in VNQ and a few other things. Just be aware that if you don't hold that ETF for 30 days then they'll slap you with a fee for both the buy and the...
by 111
Sat Aug 08, 2015 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: HSA newbee
Replies: 8
Views: 811

Re: HSA newbee

I used the TD Ameritrade. I found that the fees were waived (or possibly paid by my employer) as long as I'm active in the HDHP. I temporarily switched to a normal plan and they started charging me the fees and when I switched back they stopped. I'm over the minimum now, so it doesn't really matter.
by 111
Sun Jul 05, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2252

Re: Camera Experts Wanted

I have a Sony RX100 II and love it. We also have a DSLR, but it is so heavy to lug around that we rarely carry it. As the old saying goes: "The best camera is the one that you'll use."
by 111
Fri Jul 03, 2015 3:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Chattanooga, TN
Replies: 6
Views: 3414

Re: Chattanooga, TN

LOL @ a group 7 years in the making. :D I'm originally from Cleveland, so I've spent a lot of time in Chattanooga, but now I'm living overseas. I'm visiting my parents over the next month and am sure I'll make several trips to Chattanooga to eat at Ankar's if nothing else (one of the places I miss t...
by 111
Tue Jun 30, 2015 12:29 pm
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 4902

Re: Amazon getting too smart?

BTW, if you're a Prime user, be sure to take advantage of the Amazon Store Card. 5% back on most Amazon purchases (at least that's the deal that was offered to me, per my shopping habits). Absurd interest rate, but I if you pay credit card interest, you probably don't post here. I have the Amazon c...
by 111
Fri Jun 19, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: San Francisco advice
Replies: 20
Views: 3216

Re: San Francisco advice

Listen to them on Alcatraz. I just checked and there is already no availability for my dates aside from the 2 island tour. :(
by 111
Fri Jun 19, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: San Francisco advice
Replies: 20
Views: 3216

Re: San Francisco advice

Thanks for posting the question as I am taking my family there next month! :sharebeer
by 111
Thu Jun 18, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Proving address to credit bureaus
Replies: 10
Views: 1162

Re: Proving address to credit bureaus

I think my problem is that if you don't have a mortgage or utility bills or anything then they don't have anyway to know where you are. I think they lost track of me when I joined the Foreign Service a few years ago. Ever since then I've had government provided housing and utilities and have been mo...
by 111
Tue Jun 16, 2015 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Proving address to credit bureaus
Replies: 10
Views: 1162

Re: Proving address to credit bureaus

I just heard that 1 report arrived in the mail for me today, so at least 1 of the bureaus worked out ok.
by 111
Tue Jun 16, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Proving address to credit bureaus
Replies: 10
Views: 1162

Re: Proving address to credit bureaus

I suggest you update your drivers license unless you are going to move soon. Our DMV doesn't do anything automatic for you. You have to do it yourself. Here you have to notify them, but they just update the record and don't actually do anything. It doesn't get updated on your actual license until y...
by 111
Tue Jun 16, 2015 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Proving address to credit bureaus
Replies: 10
Views: 1162

Proving address to credit bureaus

So, I previously posted about getting denied when I tried to pull my free annual credit report from https://www.annualcreditreport.com/ and as suggested I tried calling. I assumed I would have to talk to someone, but I actually just had to re-enter all of the exact same information by voice which wa...
by 111
Mon Jun 15, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 14544

LastPass.com Breach

If you use LastPass you should read this blog post announcing they were breached: https://blog.lastpass.com/2015/06/lastpass-security-notice.html/ You should probably change your password. And, if you haven't already, consider using 2 Factor Authentication (there is a link in the blog post explainin...
by 111
Tue Jun 09, 2015 1:46 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank tax form late and incorrect
Replies: 5
Views: 570

Re: HSA Bank tax form late and incorrect

Spirit Rider wrote:You are fine.


Thanks a lot for your help!
by 111
Mon Jun 08, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank tax form late and incorrect
Replies: 5
Views: 570

Re: HSA Bank tax form late and incorrect

If the return of your excess contributions occurred in 2015, what you received is correct. You would have just received Form 5498-SA. This form reports contributions for the previous tax year. It is required to be provided by 05/31. This is to allow time for contributions until 04/15 to be included...
by 111
Mon Jun 08, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank tax form late and incorrect
Replies: 5
Views: 570

HSA Bank tax form late and incorrect

As I mentioned last year, I over contributed to my HSA. I filled out the form and paid their Excess Contribution Removal Fee and they sent me a check for that amount which should have lowered my contribution to the limit. However, their little bar graph summary continued to show that I over-contribu...
by 111
Sat Jun 06, 2015 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 86
Views: 9306

Re: Thoughts on Federal Employment

I don't think it's hugely different than private sector in that there can be wide variations in different agencies, positions, etc... and you really just have to compare everything and how they fit for you individually. For instance, I am in the Foreign Service and love that I get to move to a new c...
by 111
Mon Jun 01, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29416

Re: Free Windows 10 Upgrade, Yes or No?

I just got it on my Win8.1 VM and jumped at it. I also have a VM running the Win10 Technical Preview so I already know that I like it a lot better.
by 111
Thu May 28, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees - New HSA process?
Replies: 7
Views: 817

Re: Federal Employees - New HSA process?

That is very odd. I just checked my account to be sure and my employee contribution is still going in directly each month and my participant contributions are still going in directly every pay period.
by 111
Sat May 23, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 4818

Re: Major issues with new HSABank.com website

I was thinking of switching from GEHA HDHP this year. Then I would be able to transfer my HSA elsewhere, correct?
by 111
Wed May 20, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: Trip to Portugal in May
Replies: 1
Views: 397

Re: Trip to Portugal in May

Sorry, that I didn't see this sooner. Is it too late for suggestions? Will you have a car? Feel free to PM me.
by 111
Tue May 19, 2015 4:20 am
Forum: Personal Finance (Not Investing)
Topic: Become Portugal tax resident ... pay no tax on US pension income for 10 years?
Replies: 11
Views: 1533

Re: Become Portugal tax resident ... pay no tax on US pension income for 10 years?

Interesting. I'm living in Portugal right now and, though I'm moving this summer, it is definitely on the list of places I will consider retiring to in like 20years. If you are or have been resident in Portugal, you are not allowed anymore to use the NHR scheme. Well, that would suck. But, I'm not ...
by 111
Mon May 18, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Become Portugal tax resident ... pay no tax on US pension income for 10 years?
Replies: 11
Views: 1533

Re: Become Portugal tax resident ... pay no tax on US pension income for 10 years?

Interesting. I'm living in Portugal right now and, though I'm moving this summer, it is definitely on the list of places I will consider retiring to in like 20years.
by 111
Fri May 15, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 4818

Re: Major issues with new HSABank.com website

I got the new one today and it's horrible. Just wanted to transfer some money to my investment account and it took like 10 min. Had to change my password, set new security questions, and then several minutes clicking around on different pages looking for the transfer option.
by 111
Mon May 11, 2015 4:15 am
Forum: Investing - Theory, News & General
Topic: "Should We Teach Teenagers to Trade?"
Replies: 30
Views: 2462

Re: "Should We Teach Teenagers to Trade?"

nisiprius wrote:Darned if I can figure out how to make an exciting game out of buying and holding index funds.


Spend a few minutes picking your allocation and setting it up and then you get a free period the rest of the year vs all the active traders who have to keep coming in and checking/trading every day?
by 111
Sat May 09, 2015 2:53 am
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1640

Re: Help me understand why maxing out Roth TSP is better than Traditional

grabiner wrote:Also check how your state taxes the TSP, and how that might work if you retire in a different state.


TN has no state income tax (except on dividends from taxable accounts), so it shouldn't matter going in. I have no idea where I will retire though.
by 111
Fri May 08, 2015 5:15 pm
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1640

Re: Help me understand why maxing out Roth TSP is better than Traditional

retiredjg wrote:Now for a person in the Foreign Service Pension System (FSPS) ....I don't know if they pay into SS or not and I'm not sure how much difference that would make.


That is the one I am in and we do pay into SS.
by 111
Fri May 08, 2015 4:29 pm
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1640

Re: Help me understand why maxing out Roth TSP is better than Traditional

ps: retiredjg seems to think you have a pension coming but I can't see where you mentioned that? I hadn't mentioned it as when I made the original post I wasn't thinking of that making much of a difference, but now I can see that it will as that will be taxable income. I'm in the FSPS, so that will...
by 111
Fri May 08, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1640

Re: Help me understand why maxing out Roth TSP is better than Traditional

In any case, if I were in the 28% federal tax bracket, I would definitely use the traditional over the Roth, but my situation and preferences are not necessarily going to be that similar to yours. Sorry, I read the wrong bracket. I meant 25, not 28. And, we barely made that last year only because m...
by 111
Fri May 08, 2015 1:18 pm
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1640

Help me understand why maxing out Roth TSP is better than Traditional

Through reading on this forum and this wiki page: https://www.bogleheads.org/wiki/Traditional_versus_Roth#If_you_can_max_out I was convinced that, given that I will max out my contributions either way, I am better going the Roth route. However, today a friend was asking me why (since the benefit of ...
by 111
Mon May 04, 2015 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Retiring before kids start college. Thoughts?
Replies: 26
Views: 4935

Re: Retiring before kids start college. Thoughts?

We are in our late 40's and had kids in our 20s, 30s and one in mid 40s. I misread "our" as "their" and was totally confused. :shock: :oops: To the topice at hand I am also interested as I could possibly consider retiring before my daughter starts college. So, it will be interes...
by 111
Mon Apr 27, 2015 11:33 am
Forum: Investing - Theory, News & General
Topic: TD Ameritrade user? Question regarding selling Free ETFs
Replies: 23
Views: 1494

Re: TD Ameritrade user? Question regarding selling Free ETF

FYI - I called TD Ameritrade today. According to the rep, the 30 day hold is on a per share basis. So in the hypothetical example in the original post, 100 shares could be sold commission free on July 14th. That does not jive with my experience. I had bought in like 3 different dates, so then I sol...
by 111
Fri Apr 24, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: Best touristy places to live in the world?
Replies: 36
Views: 5107

Re: Best touristy places to live in the world?

Touristy is kind of a gradient to me. I like a little bit, but not too much. Recently, I went to Prague and it was way too touristy with stupid people riding segways every where and such. I live in Lisbon which is a lot less touristy, but maybe Barcelona or Budapest would be my preference toward the...
by 111
Thu Apr 23, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank - my loss?
Replies: 6
Views: 823

Re: HSA Bank - my loss?

Ok, I removed the amount HSA Bank said to remove on the worksheet they sent me so hopefully that was correct. Thanks and sorry they screwed up in your case.
by 111
Thu Apr 23, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank - my loss?
Replies: 6
Views: 823

Re: HSA Bank - my loss?

I'm confused. You tried to get the excess contribution returned, they screwed it up, and then you had to pay the tax on it? I'm asking because I contributed too much, had it returned, but then didn't fill out the form you mentioned or pay any extra tax. I just want to make sure that I didn't miss so...
by 111
Wed Apr 22, 2015 1:05 am
Forum: Personal Finance (Not Investing)
Topic: HSA contribution limits
Replies: 3
Views: 480

Re: HSA contribution limits

Both contributions count toward the limit. I made this mistake last year and ended up over contributing and then having to request the return of excess contributions.
by 111
Wed Apr 22, 2015 1:03 am
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 4304

Re: MB vs Volvo vs. Other?

I had pretty much decided on getting an XC60, but the Volvo dealer didn't answer my email so I decided to just save the cash and stick with my current car for now.

My order of preference would be Volvo, MB, BMW, then Audi/VW. But, that is largely based on the size of the discount available to me.
by 111
Tue Apr 21, 2015 2:58 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2073

Re: European Cruises

I just did a train trip across Europe and saw Viking cruise ships in both Prague and Budapest, so there are two places you could consider. I don't know where else the cruises go though.
by 111
Sun Apr 05, 2015 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Federal employee HDHP problems setting up HSA
Replies: 11
Views: 1056

Re: Federal employee HDHP problems setting up HSA

I don't see on FEHB where Blue Cross offers any HDHP plans. Are you sure that you have an HDHP which qualifies for an HSA?
by 111
Fri Mar 13, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Euro for Vacations?
Replies: 33
Views: 3028

Re: Buying Euro for Vacations?

As I said in one of the other threads... I live in Europe and am paid in $. I just get like 200EUR at a time out of the ATM as I need it. I expect parity, so I don't see any reason to stock up now. If we pass that I'll start considering doing a larger amount.
by 111
Thu Mar 12, 2015 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Time to buy up EUR?
Replies: 30
Views: 2733

Re: Time to buy up EUR?

I am earning dollars and spending Euros and will continue for at least the next three years. I'm still just converting whatever I need as I need it as I'm guessing that the Euro will continue dropping against the dollar for a while. I just wish I hadn't booked the flights for my next vacation so far...
by 111
Thu Feb 26, 2015 10:43 pm
Forum: Personal Consumer Issues
Topic: Please help with dress decision
Replies: 5
Views: 655

Re: Please help with dress decision

i initially saw white and gold, but as I looked more it eventually got closer to blue & black. I saw the a pic of the the same dress in normal lighting and it's quite obvious in that photo which it is.
by 111
Sat Feb 14, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: Need Help - In Switzerland can't get gps to work
Replies: 8
Views: 987

Re: Need Help - In Switzerland can't get gps to work

North wrote:Go to Settings -> Cellular

Turn off Cellular Data (and turn off Airplane Mode.) This will allow your GPS to function as well as WIFI when you are at your hotel, cafe, etc but you will not be using expensive cellular data.


I have used Sygic in multiple countries and can verify that this works.
by 111
Fri Feb 13, 2015 2:54 am
Forum: Investing - Help with Personal Investments
Topic: EXPAT investing
Replies: 7
Views: 921

Re: EXPAT investing

What reasoning have you seen that indicates no? You do have to have income the isn't excluded as foreign earned income to make the investment from.
by 111
Thu Feb 05, 2015 2:08 am
Forum: Personal Finance (Not Investing)
Topic: What was your financial situation before having first child?
Replies: 34
Views: 3177

Re: What was your financial situation before having first ch

TL/DR I was worse off than you financially and didn't worry too much about money. First year was pretty easy. After that, and with support from my parents, I quit my job in a gamble to finish my degree and get a better job and ended up getting very lucky and being way better off. Way-too-in-depth ve...
by 111
Wed Feb 04, 2015 5:23 am
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 953

Re: Excess HSA contribution - do I need new W2?

I did receive a check in the mail today. It also included a calculation form where they determined the total to take out with interest earned etc... It is a little confusing to me, but I guess they did it correctly. It appears they only returned the exact amount of my excess contribution as the perf...
by 111
Sun Feb 01, 2015 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 953

Re: Excess HSA contribution - do I need new W2?

I'm in the same boat except worse. I sent in the form to get the excess removed, and they removed it but I don't know where it went. :( Looks like I'm going to have to give them a call next week. 111, did your request form specify how you could receive the funds? My HSA allowed 1) rollover to next ...
by 111
Sat Jan 31, 2015 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 953

Re: Excess HSA contribution - do I need new W2?

I'm in the same boat except worse. I sent in the form to get the excess removed, and they removed it but I don't know where it went. :( Looks like I'm going to have to give them a call next week.
by 111
Sat Jan 31, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Am I making the right choice to NOT buy a new car (Volvo)?
Replies: 6
Views: 880

Re: Am I making the right choice to NOT buy a new car (Volvo

If you can get your money back, then for me it's a no-brainer to buy the new car. You'll never get a better 30,000 than a vehicle's 1st 30,000. I'm still not convinced that I would be able to. I emailed the dealer to give me the details to make sure I don't have to pay the VAT. But, after posting, ...
by 111
Sat Jan 31, 2015 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Am I making the right choice to NOT buy a new car (Volvo)?
Replies: 6
Views: 880

Re: Am I making the right choice to NOT buy a new car (Volvo

You can do m as you wish. As for PRIUS it can handle any weather except ice. We have one with 130000 miles on it not kms. No problems of any type. 20% off sounds good but you will still end up paying out of pocket. Instead use that money to buy ETFs for future. My answer can be different if you are...
by 111
Sat Jan 31, 2015 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Am I making the right choice to NOT buy a new car (Volvo)?
Replies: 6
Views: 880

Am I making the right choice to NOT buy a new car (Volvo)?

Currently, I am driving a 2005 Prius that I bought around 2 years ago for about $10,000. I had just paid off my student loans and gotten debt free when I needed a car, so I opted to pay cash for a used one vs buying a new one. It was low mileage when I bought it and still only has around 70-75k mile...

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