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Re: HSA... any receipt savers?

I was just trying to illustrate the potential "problem" of over-funding one's HSA. If a family contributes say $6550 for 35 years at 7% and defer pay outs they end up with $968,833.16 assuming $1,000 per year in expense have $933,833 left. I see a lot of people remark (not necessarily in ...
by scottyja
Thu Jan 22, 2015 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 141
Views: 5186

Re: HSA... any receipt savers?

After Tax Accounts: - Contribute/Pay out of pocket $0 ... you spent it - Contribute/HSA pays $1,000 for 20 years at 6.73% (to adjust for 15% tax on dividend rate of 1.8%) = $42,485 So over 20 years a savings of $1,380 or evenly distributed $69 per year lost in paying with HSA... and the other perso...
by scottyja
Thu Jan 22, 2015 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 141
Views: 5186

Re: HSA... any receipt savers?

So over 20 years a savings of $1,380 or evenly distributed $69 per year lost in paying with HSA... and the other person has a closet of 20 years of receipts? (Also any "over saving" in HSA is ordinary income if used for non-medical, where after-tax will be cap gains... this may offset the...
by scottyja
Thu Jan 22, 2015 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 141
Views: 5186

Re: HSA... any receipt savers?

jebmke wrote:Yes, I have. They requested all documents supporting all entries on Schedule A and Form 8889.


Interesting, and they were OK with the receipts you provided for HSA withdraws? Anything that caught you by surprise (in terms of HSA)?
by scottyja
Wed Jan 21, 2015 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 141
Views: 5186

Re: HSA... any receipt savers?

I'm curious, has anyone actually been audited, or had to provide receipts? This may warrant a separate thread, but I'm wondering when/if this happens, what are they going to expect? I'm just assuming the worst, so I save everything I can think of.
by scottyja
Wed Jan 21, 2015 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 141
Views: 5186

Re: HSA... any receipt savers?

jebmke wrote:Most pharmacies will provide an annual statement. We use CVS and I can go in online and print it out every year.


That's great to know - I'll have to see if my pharmacy offers this.
by scottyja
Wed Jan 21, 2015 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 141
Views: 5186

Re: HSA... any receipt savers?

We do this for any medical bill > $100. We initially did it for all bills, but there were just too many $4 prescription receipts to keep track off. After paying out of pocket, I scan a copy of the receipt and store with the credit card statement showing the purchase and the EOB (if applicable). This...
by scottyja
Wed Jan 21, 2015 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 141
Views: 5186

Re: Post your 2015 New Year's Resolutions ITT

ITT = "in this thread"

CHL = Canadian Hockey League (or Concealed Handgun License... not sure about OP's context)

OP = original poster
by scottyja
Tue Dec 30, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 3496

Re: Health Equity HSA--New Passive Plan

Thanks for the info, Novine. I'll have to give them a call and see if there's something I missed. I did go through my past monthly statements and never saw the HSA Admin fee withdrawn, but I'd like to confirm with them - perhaps my employer pays that. I did notice that if my average monthly balance ...
by scottyja
Mon Dec 29, 2014 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 10626

Re: Health Equity HSA--New Passive Plan

Does anyone know the fees for Health Equity? - particularly, how much cash needs to be left in the account to avoid paying an extra fee (if so, how much is that fee?)? For me it's $2,000. There aren't any fees that I'm aware of - it just limits how much I can move over to investments each contribut...
by scottyja
Mon Dec 29, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 10626

Re: Health Equity HSA--New Passive Plan

I was previously in that Vanguard fund but I don't see that in the "Standard Funds". I would prefer to be in that without the additional fee but I don't see it in my list of funds. Did you sell/transfer all of it when they closed it for new investment? I still have my existing shares in t...
by scottyja
Sun Dec 28, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 10626

Re: What is considered to be a good 401k match?

My employer currently matches 4% on a 5% 401k investment, but also does a pension that is ~ 12%.
by scottyja
Sat Dec 27, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is considered to be a good 401k match?
Replies: 74
Views: 4400

Re: Health Equity HSA--New Passive Plan

This is fantastic - thanks for the notification! I was mucking around with my account last week and didn't even notice these had been added. I'm not sure if everyone else is seeing the same thing, but for me the Vanguard Large Cap Index fund (VLCAX), which was previously closed to new investments, i...
by scottyja
Sat Dec 27, 2014 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 10626

Re: Now I've heard it all

So what happens when you sue the fund manager?!
by scottyja
Fri Dec 26, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Now I've heard it all
Replies: 6
Views: 1705

Re: What movie is that?

I'm sure someone will beat me to it - Fear and Loathing in Las Vegas.

http://www.imdb.com/title/tt0120669/
by scottyja
Mon Nov 10, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: What movie is that?
Replies: 5
Views: 643

Re: Novaform Mattresses at Costco

We bought one from Costco years ago, and recently replaced it with a TempurPedic when we moved. I honestly can't tell much of a difference between the two. I think overall people either love memory foam mattresses or hate them. We're in the love them category. Ours is very firm initially and loosens...
by scottyja
Mon Sep 22, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Novaform Mattresses at Costco
Replies: 14
Views: 1854

Re: Good Modern Science Fiction

I have to admit that I find Wool a bit amateurish. Perhaps partly because of that and definitely partly due to massive, gaping technical and sociological impossibilities, I found it difficult to maintain the suspension of disbelief and get lost in the world the author created. I felt this way too -...
by scottyja
Tue Sep 09, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 144
Views: 7653

Re: Good Modern Science Fiction

I appreciate this list - I primarily read Science Fiction and there are a few here that I've never heard of - I think I'll hit the library on the way home! Some of my recent favorites are the Ringworld series, Snowcrash and Hyperion. I really, really wanted to enjoy Anathem, but I couldn't get into ...
by scottyja
Mon Sep 08, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 144
Views: 7653

Re: Experiences with concrete lifting

Thanks for the responses. The good news is that the foundation is sound (so far). I think the builders just did a rush job on the driveway. The sidewalk the city put in after the driveway was down (and cuts through some of the driveway) is still level. This was all 15 years ago, so I'm hoping the so...
by scottyja
Mon Aug 25, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Experiences with concrete lifting
Replies: 9
Views: 780

Experiences with concrete lifting

We have a fairly large concrete driveway that is buckling. The driveway consists of 9 concrete pads or sections, and each one seems to be lifting and sinking independently. The worst part has one pad dramatically sinking in one corner and the adjacent corner raising, causing about a 3-4" lip. T...
by scottyja
Mon Aug 25, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Experiences with concrete lifting
Replies: 9
Views: 780

Re: Weekend in Tucson - Kids' Birthday

Take a hike in Saguaro National Monument - a sight you really won't see in any other part of the country. And then indulge in some great Mexican food! My favorite is El Guero Canelo , which is a little rough around the edges, but your 12 year olds will love the Sonoran Hot Dogs. Or I really like El ...
by scottyja
Thu Aug 14, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Weekend in Tucson - Kids' Birthday
Replies: 19
Views: 1054

Re: Sprinkler system lesson learned--leave valves open

mhc wrote:I always make sure I leave those half opened for the winter.


I've heard this too, but never really understood why the advice is half-opened. Why not fully open?
by scottyja
Thu Jun 05, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Sprinkler system lesson learned--leave valves open
Replies: 6
Views: 1130

Re: New homeowner: lawn care advice

+1 on a lawn service. I love coming home Thursday after work and seeing the lawn done. You can generally find people in the classifieds willing to do it much cheaper. I pay $20/week for ~ 10k square feet of lawn. In 20 min those guys knock out what was taking me 1.5-2 hours every Saturday. This allo...
by scottyja
Mon Apr 14, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 27338

Re: Help Please! I have an Android tablet 101 question

Which version on Android does your tablet have? I just installed ESFE and didn't have this problem on my Android phone (Nexus 4 with Android 4.4.). When I browse to a folder and select a video, I have the option to launch it through Android's media player or ESFE's media player. In both cases the ap...
by scottyja
Fri Feb 28, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Help Please! I have an Android tablet 101 question
Replies: 6
Views: 371

Re: New 2014 Car - Should I Put Anything On The Finish?

Like a clear coat? More like a screen protector you put on your phone. It's a thin, plastic wrapping that's applied manually. I think the 3M Paint Protection Film is the most common product - sometimes called Clear Bra . I had a friend try to install it himself and it didn't turn out well at all. I...
by scottyja
Tue Jan 21, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: New 2014 Car - Should I Put Anything On The Finish?
Replies: 24
Views: 1894

Any experiences starting a charity?

Suppose you saw a need in your community that current non-profits or charities do not resolve. I was discussing this with a coworker today and we concluded the need definitely exists, a charity would certainly help, but neither of us have experience or vision to take it from there. One thought would...
by scottyja
Tue Jan 21, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Any experiences starting a charity?
Replies: 1
Views: 213

Re: What's your dream car?

For you car aficionados, check out this comparo: http://www.motortrend.com/roadtests/sedans/1403_luxury_super_sports_sedan_comparison/ . I don't think I've ever read a comparison test where one car won so handily. Yikes - I think that $195,510 price tag puts me clearly out of the 3x rule! It's funn...
by scottyja
Tue Jan 21, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11534

Re: New 2014 Car - Should I Put Anything On The Finish?

I use the Griot's One-Step Sealant twice a year. I probably have the car washed once or twice between applications. However, if I had a brand-new car, I would consider having the plastic film professionally installed on the front. That's where 90% of my paint chips occur, and if you live in an area ...
by scottyja
Tue Jan 21, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: New 2014 Car - Should I Put Anything On The Finish?
Replies: 24
Views: 1894

Re: What's your dream car?

Audi S4- I have a thing for high performance sedans. I'm also a big fan of the new Audi Allroad, for those days I need to ski. I've never owned an Audi, but I'm told the repairs are quite expensive, so I'll have to factor that into the cost when/if I ever buy one.
by scottyja
Tue Jan 21, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11534

Re: New baby, switching insurance plans retroactively

Be very careful. Is your wife on the same plan as you, or do you have separate coverage? We were in a similar situation, but my wife and I had different insurance. The baby had a NICU stay and hefty bills, and there was a lot of confusion about which charges went on which account. We were told that ...
by scottyja
Wed Oct 16, 2013 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: New baby, switching insurance plans retroactively
Replies: 7
Views: 440

Re: Programming Linux

Have him try CodingBat. It's a free site that has simple coding problems he can work on to gain experience with java and python.
by scottyja
Thu Oct 10, 2013 10:11 am
 
Forum: Personal Consumer Issues
Topic: Programming Linux
Replies: 23
Views: 1586

Re: Old 401k Now Has New Fees, Move to Rollover IRA or New 4

I didn't even realize you could roll old 401k's over! For some reason I thought you had a window to do this after you left that employer. I have an old 401k in the same boat in terms of fees... you're saying I could roll this over to an IRA at any time?
by scottyja
Tue Oct 01, 2013 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old 401k Now Has New Fees, Move to Rollover IRA or New 401k?
Replies: 5
Views: 333

Re: Do you have flood insurance?

There is limited coverage with a basement - 17 items are covered - for instance, consider if you had a finished basement (drywall, paint, baseboards, etc.), under flood coverage you would only receive drywall hung to the wall - no drywall tape, no baseboards, no finish, or paint. Also, contents in ...
by scottyja
Thu Sep 26, 2013 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have flood insurance?
Replies: 22
Views: 1732

Re: Dry, breathable, lightweight, reasonably priced rain she

Also, REI Outlet is doing 20% off a single item through tomorrow (6/11). The seem to have some good rain jacket deals to check out.

The Columbia Triple Trail II seems to meet your criteria and is <$200 after tax with the 20% discount.
by scottyja
Mon Jun 10, 2013 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Dry, breathable, lightweight, reasonably priced rain shell
Replies: 59
Views: 3272

Re: Dry, breathable, lightweight, reasonably priced rain she

From my experience, $300 for a high-quality jacket is not unreasonable. You'll likely be able to find some clearanced at backcountry.com or rei outlet. However, this time of year you can expect to pay full retail for most spring/summer jackets. If you really want a steal, wait until the winter when ...
by scottyja
Mon Jun 10, 2013 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Dry, breathable, lightweight, reasonably priced rain shell
Replies: 59
Views: 3272

Response from Health Equity

I was surprised to get a pretty prompt and thorough email back from one of their research analysts. He did give the typical spiel about fund performance, but he also seemed to be very aware of the increased costs and willing to work with me (us). I honestly don't know the ins and outs of the brokera...
by scottyja
Fri May 31, 2013 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 3712

Re: Help with Health Equity HSA

Kosmo wrote:I most likely will contact them and ask why they don't offer any low cost index funds.


Please do this. Their customer service email is memberservices@healthequity.com. I would hope enough of a backlash would do *something*.
by scottyja
Thu May 30, 2013 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 3712

Re: Help with Health Equity HSA

If it helps, here are all the new funds with corresponding expense ratios. Sorry about the formatting, perhaps someone here knows how I can paste it in a more readable format? Fund Name ER Fund Name PCRDX 1.19% PIMCO COMMODITY REAL RET STRAT D RNWEX 1.01% AMERICAN FUNDS NEW WORLD R4 DREGX 1.68% DRIE...
by scottyja
Wed May 29, 2013 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 3712

Re: Help with Health Equity HSA

I'm with Health Equity also, and the 3 funds I'm investing in are going away. I just posted another topic asking about opening a second HSA, which looks like the route I'm going to take. I am somewhat glad that I'm not alone in this Health Equity change. I would encourage all of you to send them an ...
by scottyja
Wed May 29, 2013 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 3712

Worth adding a second HSA?

I'm currently enrolled in my company-sponsored HSA. We're maxing out contributions (my employer also matches $1500 each year) and we're paying for medical expenses out-of-pocket, trying to build this account up. Originally they only had a handful of funds to invest in and one index fund - Vanguard L...
by scottyja
Wed May 29, 2013 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Worth adding a second HSA?
Replies: 2
Views: 269

Re: how to safely sell a car

We've sold a couple of cars on craigslist and have never had an issue. I think it helped to meet at our credit union. We would go inside and get copies of the buyer's drivers license and current insurance, and I would always go on the test drive. One time a guy came to look at our car and just thoug...
by scottyja
Thu May 23, 2013 2:37 pm
 
Forum: Personal Consumer Issues
Topic: how to safely sell a car
Replies: 30
Views: 2875

Re: Advice on Highlander/Odyssey purchase

We had a Honda Pilot for years (which we loved), but upgraded to an Odyssey when we had our third child. We originally made the upgrade because trying to do 3 carseats in the Pilot just wasn't working - we couldn't fit all 3 in the second row, and we couldn't slide a seat out of the way to get to th...
by scottyja
Thu May 23, 2013 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Advice on Highlander/Odyssey purchase
Replies: 44
Views: 4599

Re: Contractor invoice double the estimate, what are my opti

+1 for trying to work out a compromise. I'm a contracting officer, and I see this all the time. My guess is he knows its onerous, and just wants to see what he can get out of you. I would figure out a number you are comfortable with backed by actual figures/work and present it to him with the cavea...
by scottyja
Fri May 17, 2013 11:00 am
 
Forum: Personal Consumer Issues
Topic: Contractor invoice double the estimate, what are my options?
Replies: 13
Views: 1251

Re: Contractor invoice double the estimate, what are my opti

Did you sign a contract? Does it commit you to pay for whatever labor is needed to get the done, regardless of the estimate? Or is it a fixed-price contract? Or is there no contract at all? There is a signed estimate, that constitutes the contract. The estimate only specifies if additional time is ...
by scottyja
Fri May 17, 2013 10:45 am
 
Forum: Personal Consumer Issues
Topic: Contractor invoice double the estimate, what are my options?
Replies: 13
Views: 1251

Re: Contractor invoice double the estimate, what are my opti

now if you ASKED for extra work not included in the original estimate along the way, that's a different story - it should be a given that it would add extra cost and time. There was some of that with the local crew, but the cost is reflected properly in the invoice and only accounts for $75 of the ...
by scottyja
Fri May 17, 2013 10:14 am
 
Forum: Personal Consumer Issues
Topic: Contractor invoice double the estimate, what are my options?
Replies: 13
Views: 1251

Horseshoe Bend

Horseshoe Bend is just a couple miles south of Page, and is pretty amazing during sunset. There's a small dirt parking lot just off the highway that's pretty easy to miss. The hike is really short and easy. It makes for a good end to a day of hiking and exploring. http://en.wikipedia.org/wiki/Horses...
by scottyja
Fri May 17, 2013 10:07 am
 
Forum: Personal Consumer Issues
Topic: Page, Arizona travel recommendations
Replies: 6
Views: 264

Contractor invoice double the estimate, what are my options?

We hired a contractor to do some work around our house. The estimate he provided was approximately $1,500. In the estimate, it indicated that additional work would be charged at a set hourly rate. The work was completed and the other day we got the invoice for the work and it is over $3,000. My wife...
by scottyja
Fri May 17, 2013 9:47 am
 
Forum: Personal Consumer Issues
Topic: Contractor invoice double the estimate, what are my options?
Replies: 13
Views: 1251

Re: HSA question about taking out money

Thanks SVT for clearing my confusiong. However, what are the tax implications. Do I need to enter 3000 somewhere while filing tax in 2014 as I might not have HDHP plan or I do not need to indicate anywhere about 3000? I'm no expert, but my understanding is the HDHP limitation is on contributions on...
by scottyja
Tue May 14, 2013 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA question about taking out money
Replies: 8
Views: 583

Re: Where to backup /Save sensitive information; Google Driv

Like others have mentioned, I use TrueCrypt. While I do store sensitive data online (mainly with Google Drive), it's always encrypted in a TrueCrypt container.
by scottyja
Mon May 13, 2013 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Where to backup /Save sensitive information; Google Drive ?
Replies: 51
Views: 3871

Re: What are your top companies for customer service?

Sort of a niche, but Crutchfield electronics for car stereo equipment has always been great.
by scottyja
Thu Apr 18, 2013 10:57 pm
 
Forum: Personal Consumer Issues
Topic: What are your top companies for customer service?
Replies: 76
Views: 4084
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