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Re: Ketogenic Diet anyone?

Back when the Atkin's diet came out and was popular, I did that for a while with really good results. I just got tired of having to cook all the time and I did find it hard to avoid feeding my sugar addiction. I could do good for a while and then think a little treat wouldn't hurt me and then it wou...
by 111
Tue Jan 27, 2015 9:03 am
 
Forum: Personal Consumer Issues
Topic: Ketogenic Diet anyone?
Replies: 22
Views: 935

Re: TD Ameritrade HSA Options

You have to sign up for it for them to be comission free. Also, read the accompanying restrictions and be very careful with the 30 day trading window or else they will slap you with fees. I had held some shares more than 30 days, but had bought some more recently. I thought if I sold the # I'd held ...
by 111
Tue Jan 27, 2015 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade HSA Options
Replies: 12
Views: 585

Re: HSA... any receipt savers?

Hmm.... now that I see people mentioning that they save EOB's I'm wondering if I've screwed up. Since I live overseas and have to pay out of pocket initially and I never hit the $3,000 deductible amount, I haven't bothered to file claims with insurance since there is nothing for them to pay. Therefo...
by 111
Sun Jan 25, 2015 5:47 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 147
Views: 5818

Re: I'm thinking about making very large 529 contributions A

Nope. Given that my state has no income tax I've never really seen any advantage to a 529.
by 111
Fri Jan 23, 2015 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 63
Views: 4300

Re: HSA... any receipt savers?

I've scanned all of mine into Evernote so that I can tag them for easy searching later in the event I want to withdraw.
by 111
Wed Jan 21, 2015 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 147
Views: 5818

Re: Any art "investors" here?

I was planning to go get that Vhils print today, but my wife had other plans. But, I wanted to ask you guys a question regarding packing/shipping in the event I do eventually get it. It appears that they sell all of their prints rolled up in tubes. Given that I'll be moving in about 5 months, would ...
by 111
Mon Jan 19, 2015 8:26 am
 
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 5809

Re: Securing my Laptop Prior to Repair

Yeah, remove the hard drive. If it's not encrypted they could get all the data off it without your Windows (or BIOS) password anyway.
by 111
Sun Jan 18, 2015 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Securing my Laptop Prior to Repair
Replies: 15
Views: 1088

Re: Options for calling the U.S. from International ?

I have Google Voice & Hangouts and calling the US has been free no matter where I am calling from. I lived in the US when I signed up for it, but have been overseas the last 5 years and have never been charged calling the US. Only to other countries. Not sure where you are getting the rates to f...
by 111
Sat Jan 17, 2015 7:49 am
 
Forum: Personal Consumer Issues
Topic: Options for calling the U.S. from International ?
Replies: 31
Views: 1356

Re: Should I now take advantage of the low euro?

Personally, I feel worse with actively bad decisions than passive ones. So, if I were in your situation and stuck to my initial plan and it turned out that I missed an opportunity I wouldn't feel as bad as if I changed my plan based on my assumption of the EURO going back up and it turned out that ...
by 111
Sat Jan 17, 2015 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I now take advantage of the low euro?
Replies: 8
Views: 1004

Re: Should I now take advantage of the low euro?

I wonder about a slight variation of the same thing. I'm paid in USD, but live in Europe & and will for at least a few more years so most of my smaller daily expenses are in Euro. I normally just hit up the ATM for a few hundred to carry around for small expenses and end up doing that every coup...
by 111
Sat Jan 17, 2015 6:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I now take advantage of the low euro?
Replies: 8
Views: 1004

Re: Major issues with new HSABank.com website

It works on Chrome for me (on a Mac) but it did have a glitch yesterday morning. I logged in and normally it shows the page with a bar graph of contributions toward the annual limit. But, instead it was on a different page than normal. Clicking around looking for that page I got to the one with the ...
by 111
Fri Jan 16, 2015 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Major issues with new HSABank.com website
Replies: 9
Views: 1128

Re: Any art "investors" here?

I was about to post a similar thread. I moved to Lisbon a little over a year ago and there is a lot of street art here that I really like. There is one artist in particular that I like that goes by the name Vhils. He does these really cool portraits on buildings that are almost sculptural as he uses...
by 111
Thu Jan 08, 2015 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 5809

Re: [Security warning at Vanguard site using Chrome on a Mac

mnvalue wrote:111, is your version of Chrome fully up to date? Google very recently changed this.


It says it is (Version 40.0.2214.45 beta (64-bit)). I switched over to the 64-bit beta when it came out, so perhaps that is the difference.
by 111
Sun Jan 04, 2015 1:29 pm
 
Forum: Personal Consumer Issues
Topic: [Security warning at Vanguard site using Chrome on a Mac]
Replies: 10
Views: 2164

Re: [Security warning at Vanguard site using Chrome on a Mac

Just checked via Chrome on my Mac and I don't see anything about "outdated security settings".
by 111
Sun Jan 04, 2015 11:32 am
 
Forum: Personal Consumer Issues
Topic: [Security warning at Vanguard site using Chrome on a Mac]
Replies: 10
Views: 2164

Re: "Chip" credit card for foreign travel

I went to Paris back in August and assumed my Chip & Signature cards wouldn't work at the kiosk and so I used my USAA chip & PIN despite the 1% FOREX fee. However, on the last day the USAA card was rejected for some reason, so I tried my Chase Marriott Signature Visa chip & sig card and ...
by 111
Wed Dec 24, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 105
Views: 15884

Re: Volvo vs. Mercedes

I too drive a Prius and am looking at getting a XC60 next year.
by 111
Sun Dec 14, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Volvo vs. Mercedes
Replies: 52
Views: 5253

Re: Amazon product restricted to Prime members. Is this new?

Anyone who considers Prime worthwhile solely for photo backup storage should look at Amazon Glacier. I started using it a few months ago and it only costs about $.01/GB/month. Unless you have a LOT of photos, or take advantage of the other Prime benefits, that may be a better value.
by 111
Thu Dec 04, 2014 1:22 am
 
Forum: Personal Consumer Issues
Topic: Amazon product restricted to Prime members. Is this new?
Replies: 34
Views: 4249

Re: Did I overcontribute to my HSA? What do I do now?

I think that I didn't realize at the time that I set it up that the pass through contributions counted. Also, I may have miscalculated figuring 24 bi-monthly payments, vs 26 bi-weekly. At any rate, I went ahead and recalculated the correct (I hope) amount for next year and initiated the change so th...
by 111
Mon Nov 24, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I overcontribute to my HSA? What do I do now?
Replies: 7
Views: 564

Re: Did I overcontribute to my HSA? What do I do now?

Thanks, it looks like you just have to file the form before you file your taxes, so I guess I'll wait until after January so I know the total of the excess contribution that I need to remove. Thanks again.
by 111
Mon Nov 24, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I overcontribute to my HSA? What do I do now?
Replies: 7
Views: 564

Did I overcontribute to my HSA? What do I do now?

Last year I ended up being just short of maxing out my HSA through payroll deduction and made a post tax previous year contribution. When I did that, I guess I maybe overshot the mark as when I logged into my HSA today it says that I've contributed $7,000 (& shows the limit as $6,550). I guess I...
by 111
Mon Nov 24, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I overcontribute to my HSA? What do I do now?
Replies: 7
Views: 564

Re: HSA reimbursement of non-dollar expenses

The bills are in Euro, so that's what I paid in. Well, I paid the 90Euro cash for my daughter today. I used a credit card for mine a few weeks ago, so it was billed in Euro and then Chase converted to USD on my bill.
by 111
Tue Nov 11, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA reimbursement of non-dollar expenses
Replies: 3
Views: 409

HSA reimbursement of non-dollar expenses

In the last month or two my daughter and I have both had medical expenses and both bills were, coincidentally, 90Euro. I just pay out of pocket and scan the receipt so I can withdraw money from my HSA at a later date. But, I suddenly wonder how many dollars I'd be allowed to take out. Do I need to r...
by 111
Tue Nov 11, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA reimbursement of non-dollar expenses
Replies: 3
Views: 409

Re: Merc or BMW?

I'll probably eventually start my own thread about a likely car purchase next year, but since you've already brought up 3/4 of the brands I'm considering (BMW, Mercedes, & Audi) I thought I'd ask how Volvo stacks up as that is the one I'm leaning toward.
by 111
Sun Nov 09, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 7303

Re: HSA allocation

I personally allocate my HSA as one of the more aggressive parts of my portfolio, but that is based on my plan to not actually use my HSA funds and just pay all of my medical bills out of pocket. Also, I max my TSA, IRA, & HSA. My rationale is that by saving up all my medical bills I'll be able ...
by 111
Wed Nov 05, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA allocation
Replies: 9
Views: 929

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I do live overseas and have the GEHA HDHP. I just had to pay everything out of pocket and then submitted claims via their website or email. As I said, I never actually hit the deductible, but I did submit the bills as I didn't know at the time if I would hit it or not before the year ended.
by 111
Wed Nov 05, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2980

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I've been using GEHA HDHP for about 3 years. I've never actually reached the deductible, so haven't really had any claims. Though, we have had wellness checks for my daughter which were paid 100% no co-pay. However, tests that were ordered as a result of that check did cost me $ which I wasn't thril...
by 111
Wed Nov 05, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2980

Re: 2015 Fed HDHP Plans

I've been using the GEHA HDHP for 3 years or so, but was wanting to see what others are available. Thanks for posting the link to the Aetna plan I will check it out.
by 111
Sat Oct 25, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Fed HDHP Plans
Replies: 8
Views: 2006

Re: Support that HSAs might not be the best option for you

I have the GEHA HDHP with HSA for my family. I pay $116.18 bi-weekly or $3,020.68/yr. The government share is $348.54 bi-weekly or $9,062.04/yr. The fact that I get $1,500 passed through into my HSA makes it the best deal for us (in my opinion.)
by 111
Mon Oct 20, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Support that HSAs might not be the best option for you
Replies: 38
Views: 3598

Re: Short term trading fees

Well crap. As I was writing them I pulled up the Commission-Free ETFs Terms of Use for reference and did see one that ALL shares of an ETF position have to be held over 30 days for a trade to be commission-free and they do sell LIFO. I guess that's a $20 lesson for me. :oops:
by 111
Fri Oct 17, 2014 1:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Short term trading fees
Replies: 3
Views: 251

Short term trading fees

I have my HSA through HSA Bank which allows me to transfer money to TDAmeritrade to invest. They have some fee free ETFs assuming that you hold them for at least 30 days. I had 30 shares of an ETF that I bought over a month ago and then I had bought 70 more earlier this month. I decided that I wante...
by 111
Fri Oct 17, 2014 12:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Short term trading fees
Replies: 3
Views: 251

Re: Your personal risk level: Got your flu shot yet?

I'm not anti-vaccine either, but I don't get flu shots. Nobody in my family has ever had the flu unless they first got a flu shot. I have to assume we have a higher resistance to it as long as we avoid the shots.
by 111
Thu Oct 16, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3310

Re: Exercise Posts

You don't need to buy anything. Start small - I recommend the "scientific 7 minute workout". http://well.blogs.nytimes.com/2013/05/09/the-scientific-7-minute-workout/?_php=true&_type=blogs&_r=0. There's youtube videos that walk you through it. Thanks for this! I found a video and ...
by 111
Wed Oct 08, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Exercise Posts
Replies: 22
Views: 2543

Re: Exercise Posts

I'm the opposite of the OP in that I've pretty much always been quite sedentary and not in good shape. Now that I'm nearing 40 and feeling way older I want to try and get in better shape. So, which of these items would be best for a person starting from scratch with no exercise experience that only ...
by 111
Mon Oct 06, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Exercise Posts
Replies: 22
Views: 2543

Re: Spreadsheet to track AA bands

I just used Google Docs or Sheets or whatever they call it to make one. It automatically updates with the current prices and shows both numerically and on a pie chart what my current allocation is and what my target is.
by 111
Sun Oct 05, 2014 3:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Spreadsheet to track AA bands
Replies: 8
Views: 827

Re: We're all going to die!!!

I just realized that a nice benefit of having your portfolio split between 2 accounts with equities in one and bonds in the other is that pretty much everyday one of them will be green. It's kind of nice psychologically when I hear people/news talking about how bad the market is doing to look at my ...
by 111
Thu Sep 25, 2014 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 5063

Re: Any experience with LifeSpan TR800 DT5 Treadmill Desk?

In Boglehead style I think you should save :moneybag by going DYI and building one of these:

Image

How to is here: http://www.instructables.com/id/Hamster ... ding-Desk/
by 111
Sat Sep 20, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Any experience with LifeSpan TR800 DT5 Treadmill Desk?
Replies: 12
Views: 1060

Re: Why did REITs drop today?

My guess on why they dropped is that I bought some VNQ the day before.
by 111
Sat Sep 13, 2014 6:25 am
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4337

Re: Calculated Spending: Cars

I'm mostly in the latter group and the 5% ballpark too. I needed a car and had just gotten out of debt and didn't want to go back, so I found one I could pay cash for. I'm moving next year and really struggling with keeping this car, selling it and buying another used one at the new location, or sel...
by 111
Thu Sep 11, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 3008

Re: "Why 97% of People Don't Use 529 College Savings Plans."

My reasoning, and someone please tell me if I'm wrong: 529 counts against me on FAFSA and can only be withdrawn without penalty for educational expenses. Retirement accounts aren't counted against me on FAFSA and withdrawals for qualified educational expenses aren't penalized. Therefore I am better ...
by 111
Tue Sep 09, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 11702

Re: Poll: Which iPhone 6?

Probably the Plus. Not because "bigger is better" but because higher resolution & pixel density is better (for me at least.)
by 111
Tue Sep 09, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3420

Re: Free credit report not available online

I've only had credit cards for the last 5 years or so. I guess that is probably the reason. Thanks.
by 111
Tue Sep 02, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free credit report not available online
Replies: 7
Views: 523

Free credit report not available online

Reading one of the other threads prompted me to want to pull my credit report from annualcreditreport.com. I tried to pull Experian and it said I couldn't request it online and had to do it by mail. I thought maybe it's because I'm out of the US right now, so I turned on my VPN and tried to pull the...
by 111
Tue Sep 02, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free credit report not available online
Replies: 7
Views: 523

Re: When to invest in China?

Valuethinker wrote:On your travel agenda for China I have heard good things about Chengdu.


I lived there in Chengdu for almost 2 years. Food is amazing and that's where the pandas are. Two nearby things I regret not getting to see are the giant Buddah at Leshan and Jiuzhaigou Valley.
by 111
Sun Aug 31, 2014 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: When to invest in China?
Replies: 51
Views: 3168

Re: When to invest in China?

People with money in China are trying to figure out how to get it out, why would I want to put any in?

It's a very interesting place and it does seem pretty free until something happens like protests or something and suddenly the internet is cut off for millions of people.
by 111
Sat Aug 30, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: When to invest in China?
Replies: 51
Views: 3168

Re: Trip to China

When I lived/worked in China from 2011 to 2013 I used Witopia. They offered quick support and workarounds whenever the Chi-Coms would tweak the Great Fire Wall causing complications for VPN connections. Before you signup for a service you probably will want to ask their customer service how well th...
by 111
Fri Aug 29, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Trip to China
Replies: 13
Views: 836

Re: Induction Range Worth the Price?

Induction cooktop burners don't heat up, they use an electromagnetic process that heats the pan up, the burner itself doesn't get hot. I have one and have to disagree with that last part. It's true that the you have to have special pans and the burner won't heat up without the pan. But, once the pa...
by 111
Fri Aug 29, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Induction Range Worth the Price?
Replies: 14
Views: 1232

Re: World news daily videos online

24 hr news:CNN, MSNBC, FOX. CNN is not 24 hour news. The Sixties and Anthony Bourdain Parts Unknown are not news. Nor is The Hunt with John Walsh. These programs fill a lot of the 24 hours in any given day. Unfortunately. Even without those programs it's more like 15 min. news played on an infinite...
by 111
Sat Aug 23, 2014 2:49 am
 
Forum: Personal Consumer Issues
Topic: [Online] World news [show?]
Replies: 9
Views: 708

Re: TSP contribution percentage

We are not military and we use Employee Express which lists the max as 99%, but has a disclaimer that the actual amount deducted may be less due to other deductions. I just set my wive's to 99%, so I have to wait a few weeks for the change to take to see how much actually ends up being deducted.
by 111
Sat Aug 23, 2014 2:47 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP contribution percentage
Replies: 3
Views: 694

Re: Frequent Flyer Miles:Transfer, Gift or what...

I went through United and purchased 2 tickets for my parents without any problems or cost.
by 111
Fri Aug 22, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Frequent Flyer Miles:Transfer, Gift or what...
Replies: 12
Views: 833

Re: How much do you plan to save in your 529 plan?

None. I don't really see enough benefit to it since my state has no income tax. I'm maxing out retirement accounts instead.
by 111
Fri Aug 22, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 60
Views: 7271
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