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by icedtea
Sat Mar 21, 2015 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Old 401k provider overpaid my match, need tax help
Replies: 1
Views: 298

Old 401k provider overpaid my match, need tax help

My old 401k provider sent me a letter stating they overpaid my match by $250 in 2013 so I mailed them a check for the amount, as requested. Edit: The check will likely arrive Monday. It hasn't been cashed by the provider, and I just read some similar threads on other forums that I shouldn't pay up. ...
by icedtea
Thu Mar 19, 2015 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Lost job, should I contribute heavily to 401k?
Replies: 18
Views: 1472

Re: Lost job, should I contribute heavily to 401k?

I gave this some more thought, and since I have the taxable account as a last resort, I am going to elect a 70% contribution. I re-calculated my emergency fund and I expect it to cover 9.5 months. I can't tell the future but I plan to start looking for new work in about a month.

Iced Tea
by icedtea
Thu Mar 19, 2015 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Lost job, should I contribute heavily to 401k?
Replies: 18
Views: 1472

Re: Lost job, should I contribute heavily to 401k?

Be careful of the 15% 401k Contribution rule. Your severance may put you over the 15% for which you will not be notified by the company's 401k administrators/auditors until 3 years after the fact. You are liable for the over contribution and penalties. BTDT :oops: Is this the rule you mean? You can...
by icedtea
Thu Mar 19, 2015 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Lost job, should I contribute heavily to 401k?
Replies: 18
Views: 1472

Re: Lost job, should I contribute heavily to 401k?

Another option: is your 2015 ROTH IRA still unfilled? Put $4k into the 401(k) and save $5.5k for future use. --If you find another job before the end of the year, use the $5.5k to fill the ROTH IRA. --If you go out of work longer than expected, use the additional $5.5k to extend your ER fund. Gives...
by icedtea
Thu Mar 19, 2015 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Lost job, should I contribute heavily to 401k?
Replies: 18
Views: 1472

Re: Lost job, should I contribute heavily to 401k?

Let me play devil's advocate: If you're out of work for 10 months, or 12 months, or 15 months, are you going to wish you had that 401k contribution back? Will there be any difference between having an 8 month ER fund and a 9 month one if it takes 15 months to get a job? The unstate part is what are...
by icedtea
Thu Mar 19, 2015 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Lost job, should I contribute heavily to 401k?
Replies: 18
Views: 1472

Re: Lost job, should I contribute heavily to 401k?

OP here. Thanks for the comments. I think I'll go with 45% into the 401k. It's a 9500 paycheck including vacation days. This way I have a 401k bump and some more savings. I think it's a good balance.
by icedtea
Thu Mar 19, 2015 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Lost job, should I contribute heavily to 401k?
Replies: 18
Views: 1472

Lost job, should I contribute heavily to 401k?

I've lost my job and will likely be taking time off for a few months. I have an 8 month emergency fund. I can afford to contribute 70-80% of my final pay to my 401k? Make sense? I don't know if I'll be eligible for a Roth this year. Probably but I figure that can come out of the emergency fund when ...
by icedtea
Tue Feb 03, 2015 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Can a 401k have an annual limit separate from the IRS limit?
Replies: 1
Views: 295

Can a 401k have an annual limit separate from the IRS limit?

In 2013 one could contribute up to $51k in a 401k (excl catchup). This from my understanding pertains to employee contributions (pretax), employer match and other contributions (such as after tax 401k). Is it possible that a specific 401k plan can have a different (smaller) annual limit than the IRS...
by icedtea
Wed Jan 07, 2015 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Demystifying expense ratios: VTSAX vs VTSMX
Replies: 10
Views: 1370

Re: Demystifying expense ratios: VTSAX vs VTSMX

I believe that VTSMX has 0.17% ER, VTSAX has 0.05% ER, so the difference is 0.12%. If we apply that to your situation $5000 * 0.12% = $6 if you were in VTSMX for a year. However, you were only in since October, so we're talking $6/4 = $1.50 Essentially, your returns while your money was in VTSMX wa...
by icedtea
Wed Jan 07, 2015 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Demystifying expense ratios: VTSAX vs VTSMX
Replies: 10
Views: 1370

Demystifying expense ratios: VTSAX vs VTSMX

I did a 401k rollover to my TIRA at Vanguard a few months ago. For reasons I still don't understand, a small chunk of money was invested in VTSMX, not VTSAX which I also hold. I'm in the middle of trying to figure that one out with Vanguard. I know VTSMX has a slightly larger ER. Can someone explain...
by icedtea
Wed Jan 07, 2015 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Pay increase. Am I still eligible for a Roth IRA in 2015?
Replies: 9
Views: 1541

Re: Pay increase. Am I still eligible for a Roth IRA in 2015

I would definitely wait until Jan 2016 to make any 2015 Roth contribution as Livesoft suggests. The backdoor option doesn't look very appealing with $155K in a Rollover IRA. But you should definitely look into a rollover into your 401k IF your plan permits it. (This isn't always the case). Yes, if ...
by icedtea
Wed Jan 07, 2015 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Pay increase. Am I still eligible for a Roth IRA in 2015?
Replies: 9
Views: 1541

Re: Pay increase. Am I still eligible for a Roth IRA in 2015

I have held off making a 2014 Roth contribution until I know our income for 2014. Yes, I wrote 2014. I recommend you hold off until January 2016 (not 2015) when you really know your income as well. Or just backdoor from the get-go if you can. I cannot backdoor because of interfering rollover iRAs. ...
by icedtea
Wed Jan 07, 2015 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Pay increase. Am I still eligible for a Roth IRA in 2015?
Replies: 9
Views: 1541

Re: Pay increase. Am I still eligible for a Roth IRA in 2015

I'd ask this question later in the year when you have more visibility about your 2015 income. But if you put $24,000 into your 401(k) and have a $3000 capital loss, then your MAGI should be well within the limit unless you get a nice bonus or have lots of dividends from astute investing. For single...
by icedtea
Tue Jan 06, 2015 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Pay increase. Am I still eligible for a Roth IRA in 2015?
Replies: 9
Views: 1541

Pay increase. Am I still eligible for a Roth IRA in 2015?

In 2014 I held two jobs with slightly different salaries. In 2015 I'm glad to say I'm getting a base salary increase and a performance bonus. I suspect this year I'll be paid $135k-140k, depending on how commissions go. How do I go about assessing if I'll be eligible for a Roth IRA? Do I need to cal...
by icedtea
Mon Jan 05, 2015 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Validating my NY state tax deductions per paycheck are right
Replies: 2
Views: 430

Re: Validating my NY state tax deductions per paycheck are r

You can use paycheckcity.com. Thanks, I tried it but the numbers don't match my stub. Any ideas on what is going on? Am I entering something incorrectly? I'd really appreciate any help on this. My company's Finance lead told me earlier in 2014 that my $150 NY State additional withholding was being ...
by icedtea
Mon Jan 05, 2015 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Validating my NY state tax deductions per paycheck are right
Replies: 2
Views: 430

Validating my NY state tax deductions per paycheck are right

In previous jobs my pay stubs showed a separate line item for my additional NY state withholding. But my current employer's stubs don't show this separately, just a single line for NY ST. I was told the amount in the NY ST line includes the additional withholding. I'd like to verify this. How do I g...
by icedtea
Tue Oct 28, 2014 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 5215

Re: Should I use 50k Delta miles for a $600 flight?

OP here. I bought the ticket with the 50k miles earlier today. Thanks for the input. With all the airlines changing their miles programs to a price basis instead of distance, I have a feeling it'll take me years to build up miles in the future! I have a Cap One cash back card which seems good, thou...
by icedtea
Mon Oct 27, 2014 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 5215

Re: Should I use 50k Delta miles for a $600 flight?

OP here. I bought the ticket with the 50k miles earlier today. Thanks for the input. With all the airlines changing their miles programs to a price basis instead of distance, I have a feeling it'll take me years to build up miles in the future! I have a Cap One cash back card which seems good, thoug...
by icedtea
Mon Oct 27, 2014 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 5215

Re: Should I use 50k Delta miles for a $600 flight?

$600 is fairly pricey for your itinerary, though it is the holidays so maybe that's the going rate among all carriers. Maybe you have limited flexibility, so these questions are moot: Are you locked in with Delta? Did you broaden your search terms to nearby airports (e.g. BUR)? Different dates? 1-s...
by icedtea
Sun Oct 26, 2014 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 5215

Re: Should I use 50k Delta miles for a $600 flight?

How much are flights on other airlines (both in terms of miles and cash)? While this does not appear an ideal redemption, if you don't have any other plans for the miles, you could do worse. As someone mentioned, miles are a depreciating asset so it is better to use them judiciously (and as I've sa...
by icedtea
Sun Oct 26, 2014 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 5215

Re: Should I use 50k Delta miles for a $600 flight?

I have averaged 1.7 cpm on Delta redemptions over the past few years, but those are all international flights and involve far more than 50,000 miles. I suspect your return is probably about average. Pointsguy.com gives 1.2 cpm as the Delta average for domestic flights. I think the best I have ever ...
by icedtea
Sun Oct 26, 2014 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 5215

Re: Should I use 50k Delta miles for a $600 flight?

I usually use my AA miles on flights to east asia, particularly including a JAL direct Boston-Tokyo flight. Economy tickets for that flight cost about $2k roundtrip or 70k miles, so close to 3cent per mile. I think 50k miles for a $600 ticket is not a good deal. Of course nominally you'll get the b...
by icedtea
Sat Oct 25, 2014 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 5215

Should I use 50k Delta miles for a $600 flight?

I'm planning a trip around christmas. Delta offers tickets at $600 or 50,000 miles, which I have. This breaks down to 1.2 cents per mile. I have the cash to pay $600. Not sure I should use miles or save them and pay for the ticket. Any suggestions? In the past I've used 25,000 miles for tickets that...
by icedtea
Sat Oct 11, 2014 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k: S&P index fund is the cheapest - just buy it only?
Replies: 5
Views: 895

New 401k: S&P index fund is the cheapest - just buy it only?

I'm about to enroll in my new company's 401k. They offer a few index funds. BlackRock Intl Index A 0.48 BlackRock Small Cap Index A 0.62 BlackRock S&P 500 Stock Institutional 0.12 The Bond funds are in the 0.72 to 0.90 range. I currently have the rest of my portfolio with Vanguard, in a taxable ...
by icedtea
Tue Oct 07, 2014 7:46 pm
Forum: Investing - Theory, News & General
Topic: 4% market drop causes huge drop in sentiment
Replies: 22
Views: 5647

Re: 4% market drop causes huge drop in sentiment

I finally got around to executing my 2 401k rollovers. Was a lucky time to be out of the market. I always worry I'm going to miss an upswing during a rollover. This time around I missed about 1% of the drop, not bad. The checks cleared with Vanguard yesterday and they allocated my funds at yesterday...
by icedtea
Sun Sep 28, 2014 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Admin fees at old employer's 401k vs. Vanguard 401k Rollover
Replies: 1
Views: 261

Admin fees at old employer's 401k vs. Vanguard 401k Rollover

I kept my 401k from my old employer at JP Morgan since I liked the Blackrock index funds available and their ERs were actually a little lower than the ERs of equivalent funds at Vanguard. That said, I pay small admin fees with JP Morgan - about $25 YTD. Does Vanguard charge similar admin fees for 40...
by icedtea
Fri Sep 26, 2014 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get an HSA?
Replies: 17
Views: 1329

Re: Should I get an HSA?

OP again. I was wrong. I'm not eligible for an HSA apparently. Our administrator said one of the requirements is that all of the high deductible plan's charges must be subject to the deductible. Our insurance plan has copays for office visits and prescriptions that don't count towards the deductible...
by icedtea
Fri Sep 26, 2014 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Should I get an HSA?
Replies: 17
Views: 1329

Re: Should I get an HSA?

It sounds like you've already made up your mind, but wanted to make sure you saw this thread: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=147513 As I posted there, it doesn't always make sense to go the HSA route. In my case, it would mean higher premiums (about $10 per pay period), hig...
by icedtea
Fri Sep 26, 2014 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Should I get an HSA?
Replies: 17
Views: 1329

Re: Should I get an HSA?

It sounds like you've already made up your mind, but wanted to make sure you saw this thread: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=147513 As I posted there, it doesn't always make sense to go the HSA route. In my case, it would mean higher premiums (about $10 per pay period), hig...
by icedtea
Fri Sep 26, 2014 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Should I get an HSA?
Replies: 17
Views: 1329

Re: Should I get an HSA?

OP here. Thanks for the posts. I'm going to open the HSA. I was going to do this a couple months ago but found out my company offered an HRA, not an HSA. At that time I had no idea you could open an HSA privately. I'd accrued about $300 in eligible expenses in the last couple months -- ugh dentist -...
by icedtea
Thu Sep 25, 2014 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get an HSA?
Replies: 17
Views: 1329

Should I get an HSA?

I've always had an FSA with my employer-provided insurance package but in my new job I have a high deductible health insurance plan ($2k per year) and no FSA. I am part of my employer's Health Reimbursement Account, which provides up to $1000 per year for eligible health care expenses that apply tow...
by icedtea
Tue Aug 19, 2014 9:10 pm
Forum: Personal Consumer Issues
Topic: B2B message boards?
Replies: 1
Views: 268

B2B message boards?

I'm interested in getting some feedback on my division's business strategy. Does anyone recommend any good B2B message boards with discussion categories related to business development, sales and marketing?

Thanks
Iced Tea
by icedtea
Sun Jul 13, 2014 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

This thread has been over the river and through the woods...maybe it is time to get to grandmother's house. :wink: I'd like to back up to the original question - about having 5% of your equities in emerging markets. I think it is simply the wrong question to be asking. I've read that holding any am...
by icedtea
Sun Jul 13, 2014 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

…, I believe that EM took a huge (larger than domestic) hit in 2008. This is why EM is so great in a portfolio: The volatility. One cannot simply buy EM and forget it. One needs to buy EM low and sell high. One can tell what low and high are relative to the rest of their equities simply by setting ...
by icedtea
Fri Jul 11, 2014 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

If you want to educate a young investor like me, try providing constructive input first, not after rude and incredibly thick sarcasm. I did not think it either rude or sarcastic. You listed share price as one criteria. I pointed you to the Admiral class and Investor class of the exact same fund, bu...
by icedtea
Fri Jul 11, 2014 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

How would you compare XXX vs YYY given the difference in ... the price per share? What do you think about VLCAX vs VLACX given that one is at $45.61 and the other is at $36.48? Do you like high prices or low prices? [I know these are not the funds you are looking for, but I would still like your op...
by icedtea
Fri Jul 11, 2014 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

How would you compare XXX vs YYY given the difference in ... the price per share? What do you think about VLCAX vs VLACX given that one is at $45.61 and the other is at $36.48? Do you like high prices or low prices? [I know these are not the funds you are looking for, but I would still like your op...
by icedtea
Fri Jul 11, 2014 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

livesoft wrote:
icedtea wrote:How would you compare VFSUX vs VSS given the difference in ERs and fees AND the price per share?

You would not compare them because the first is a bond fund and the second is a small-cap international fund.


typo. VFSVX vs VSS
by icedtea
Fri Jul 11, 2014 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

I couldn't find an intl small cap fund on Vanguard's site. Is there one? I'm not versed in investing in ETFs so I'd prefer an index mutual fund. Iced Tea VFSVX. I guess the Vanguard web site sucks. Don't pick VFSUX, that's not international small caps. How would you compare VFSUX vs VSS given the d...
by icedtea
Thu Jul 10, 2014 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

Thanks! What's the rationale for preferring Intl Small Caps vs an Emerging fund? Iced Tea Simple: To take advantage of the small-cap premium. The Vanguard emerging markets index fund is a large-cap fund. I couldn't find an intl small cap fund on Vanguard's site. Is there one? I'm not versed in inve...
by icedtea
Thu Jul 10, 2014 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

EM countries represent about 10% of global equities, so even a 5% allocation would be underweight. Is there a reason you are comfortable being underweight EM, especially given the long term trends (e.g., demographics) and current valuations versus the developed countries? I wasn't aware it was abou...
by icedtea
Thu Jul 10, 2014 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

Assuming my quick math is OK you presently have $135,000 in VTIAX (Total International) spread across 2 accounts. VTIAX is 17.9% Emerging Markets making your EM holdings $24,165 at present, or 3.62% at this time. Adding $10K will make your EM holdings $34,165, or 5.1% of portfolio. Personally, I'd ...
by icedtea
Thu Jul 10, 2014 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

I've read that holding any amount of emerging markets less than 5% of your total equities isn't going to do very much in terms of helping soften potential falls in US equities . I believe you are referring to a potential diversification benefit in holding a dedicated EM allocation. A quick look at ...
by icedtea
Wed Jul 09, 2014 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

Bingo! Perhaps you would like to buy a small-cap emerging markets fund with your $10,000 instead of buying VEMAX? Can you direct me to some info on the implications of holding small-cap emerging vs VEMAX? I presume there's likely a lower correlation between US equities and small-cap emerging than U...
by icedtea
Wed Jul 09, 2014 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

Follow up (the flip side of livesoft's question): how else could you increase your emerging market exposure without buying "Emerging Markets"? Another option would be to convert US equities indexes to VTIAX in my non-taxable accounts since VTIAX has 14% emerging. Not sure that's the right...
by icedtea
Wed Jul 09, 2014 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Re: Emerging Markets: making up 5% of your equities?

Can you tell us what fraction of your portfolio is ALREADY in emerging markets? According to Morningstar, VFWAX and VTIAX have about 14-14.5% emerging so that amounts to $22,500 for me. If I combine that $22,500 with the $10k for VEMAX, that amounts to roughly 6% of my total equities. So, I guess I...
by icedtea
Wed Jul 09, 2014 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3846

Emerging Markets: making up 5% of your equities?

I've been raising money to buy VEMAX. I now have the $10k to buy the min shares. $10k in VEMAX is going to make up about 2% of my equities in my portfolio. I've read that holding any amount of emerging markets less than 5% of your total equities isn't going to do very much in terms of helping soften...
by icedtea
Tue Jun 17, 2014 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you contribute to your HSA?
Replies: 17
Views: 1025

Re: How much do you contribute to your HSA?

My HSA is in 2 parts: Enough cash at HSABank to avoid any fees and the rest at TDAmeritrade invested in the Vanguard short-term corporate bond index fund (also without fees). The idea is to (a) not pay any fees and (b) just have it as part of my fixed income asset allocation. I haven't thought abou...
by icedtea
Tue Jun 17, 2014 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you contribute to your HSA?
Replies: 17
Views: 1025

Re: How much do you contribute to your HSA?

Once you incur some out-of-pocket medical expenses, you can reimburse yourself for them from your HSA -- years after the fact. In the meantime, the account grows tax-free. Not tax-deferred -- tax-free. So I contribute the maximum to the HSA every year, and pay the medical bills from the regular che...
by icedtea
Tue Jun 17, 2014 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you contribute to your HSA?
Replies: 17
Views: 1025

Re: How much do you contribute to your HSA?

OP here. I read an interesting article about HSAs which states good reasons to max the HSA. http://blogs.reuters.com/shaneferro/2013/07/18/hsas-when-your-health-insurance-becomes-a-retirement-account/ This excerpt makes me wonder: If I know I'm going to have say $1000 in eligible medical expenses in...

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