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by 111
Sat May 23, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 40
Views: 3784

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: 336

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: 1300

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: 1300

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: 40
Views: 3784

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: 2131

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: 1401

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: 1401

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: 1401

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: 1401

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: 1401

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: 4599

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: 1109

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: 4594

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: 725

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: 725

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: 389

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: 3830

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: 1819

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: 932

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: 2773

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: 2572

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: 614

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: 880

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: 818

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: 2861

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: 798

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: 798

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: 798

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: 821

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: 821

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: 821

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...
by 111
Thu Jan 29, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: Save More or Travel More ?
Replies: 17
Views: 1734

Re: Save More or Travel More ?

Ditto what everyone else. I had a pretty similar situation where I had to travel for work and my wife wanted to come and bring our daughter. I balked a little because I had to pay their airfare, but my wife reasoned that we should a)Take advantage of the hotel being paid for and b)Take advantage of ...
by 111
Wed Jan 28, 2015 1:27 pm
Forum: Personal Consumer Issues
Topic: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/Blis
Replies: 13
Views: 1504

Re: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/

The only addition I can think of is the Remote key engine start, rather than using a phone app. Don't you always have your phone with you anyway? I thought the app would only work if I paid the yearly dues for the Volvo connect services (after the complimentary 6 months membership that comes with t...
by 111
Tue Jan 27, 2015 9:03 am
Forum: Personal Consumer Issues
Topic: Ketogenic Diet anyone?
Replies: 22
Views: 1284

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 8:56 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade HSA Options
Replies: 13
Views: 926

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
Sun Jan 25, 2015 5:47 am
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 10680

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
Fri Jan 23, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 76
Views: 6506

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
Wed Jan 21, 2015 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 10680

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
Mon Jan 19, 2015 8:26 am
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 6348

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
Sun Jan 18, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Securing my Laptop Prior to Repair
Replies: 15
Views: 1125

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
Sat Jan 17, 2015 7:49 am
Forum: Personal Consumer Issues
Topic: Options for calling the U.S. from International ?
Replies: 36
Views: 2160

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 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Should I now take advantage of the low euro?
Replies: 8
Views: 1159

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 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Should I now take advantage of the low euro?
Replies: 8
Views: 1159

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
Fri Jan 16, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 40
Views: 3784

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
Thu Jan 08, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 6348

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
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: 2353

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 11:32 am
Forum: Personal Consumer Issues
Topic: [Security warning at Vanguard site using Chrome on a Mac]
Replies: 10
Views: 2353

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
Wed Dec 24, 2014 8:57 am
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 105
Views: 16456

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
Sun Dec 14, 2014 6:32 pm
Forum: Personal Consumer Issues
Topic: Volvo vs. Mercedes
Replies: 54
Views: 6077

Re: Volvo vs. Mercedes

I too drive a Prius and am looking at getting a XC60 next year.

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