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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
Fri Mar 13, 2015 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying Euro for Vacations?
Replies: 33
Views: 2493

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 Mar 12, 2015 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to buy up EUR?
Replies: 30
Views: 2373

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
Thu Feb 26, 2015 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Please help with dress decision
Replies: 5
Views: 559

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
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: 814

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
Fri Feb 13, 2015 2:54 am
 
Forum: Investing - Help with Personal Investments
Topic: EXPAT investing
Replies: 7
Views: 778

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
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: 2690

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
Wed Feb 04, 2015 5:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 737

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
Sun Feb 01, 2015 7:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 737

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 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 737

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 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I making the right choice to NOT buy a new car (Volvo)?
Replies: 6
Views: 786

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 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: 786

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
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: 786

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
Thu Jan 29, 2015 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Save More or Travel More ?
Replies: 17
Views: 1680

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
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: 1441

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: 1210

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: 13
Views: 869

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: 203
Views: 10332

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: 76
Views: 6330

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: 203
Views: 10332

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: 6088

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: 1103

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: 36
Views: 1971

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: 1122

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: 1122

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: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 25
Views: 2292

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: 6088

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: 2275

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: 2275

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: 16177

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: 5372

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: 4385

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: 6
Views: 585

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: 6
Views: 585

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: 6
Views: 585

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: 414

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: 414

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: 7429

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: 944

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: 3780

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: 3780

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: 2047

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: 3654

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: 264

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: 264

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: 3411

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: 2582

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: 2582

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: 838

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: 5105

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: 1071
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