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Re: New Furnace & A/C Unit

We had our AC and furnace replaced last fall with a high-efficiency model. Our old unit was acting up, so it needed to be replaced anyway. But this winter we've seen NO discernible difference in gas usage this year from last. Our gas company shows us a 3 year comparison, even adjusted for outside te...
by scottyja
Thu Mar 26, 2015 12:30 pm
 
Forum: Personal Consumer Issues
Topic: New Furnace & A/C Unit
Replies: 28
Views: 2364

Re: Experience with Credit File Freezes

Excellent, thanks. In this process, will they ask for credit card and charge it? In my case, yes, I had to enter my credit card information. But after submitting the screen specifically told me I already had a freeze on file and my credit card had not been charged. My monthly credit card statement ...
by scottyja
Tue Feb 17, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with Credit File Freezes
Replies: 12
Views: 992

Re: Experience with Credit File Freezes

If you try to put a freeze on your account through each of the 3 websites, they'll notify you if it already exists. I had to do this with one of the credit bureaus when I wasn't sure the transaction completed.
by scottyja
Tue Feb 17, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with Credit File Freezes
Replies: 12
Views: 992

Re: How much was your Tax Refund (or amount DUE)

I got back about $5k. I'm doing it wrong, I know. :D I'm doing it wrong, too, but not intentionally. :( Every year I do the W4 exemption calculator and modify my w4 accordingly, but each year my return seems to get bigger and bigger. I'm not sure how many exemptions to add - I'm worried I'll go ove...
by scottyja
Tue Feb 10, 2015 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 7434

Re: Recommend a custodian for individual HSA account

I use Health Equity, which was set up by my employer. Initially I was pretty annoyed with their limited, high-fee investment options. But they've recently added a number of index funds, so I really don't have any complaints at this point. You pay a maintenance fee per month per $1000 invested for th...
by scottyja
Sat Feb 07, 2015 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommend a custodian for individual HSA account
Replies: 25
Views: 1699

Re: This CPA is advocating snail-mail over e-file for taxes

If I could hand-deliver the tax return to the IRS to ensure it got there safely, I might consider that. But I think the chance of a piece snail-mail getting intercepted, lost, delivered to the wrong address, etc... is high enough that I prefer e-file.
by scottyja
Sat Feb 07, 2015 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: This CPA is advocating snail-mail over e-file for taxes
Replies: 55
Views: 4054

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 scottyja
Sat Jan 31, 2015 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 735

Re: Excess HSA contribution - do I need new W2?

Thanks all for the help - specifically the IRS Form 8889 information. TurboTax actually walked me through it pretty easily after I found the error (I used the wrong 12a code on my W2). I'm just going to leave the $100 and get it taxed at 6%, basically a $6 fee.
by scottyja
Sat Jan 31, 2015 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 735

Re: Excess HSA contribution - do I need new W2?

livesoft wrote:TurboTax handles this easily as well.

See also: viewtopic.php?p=2303059#p2303059


Thanks, livesoft. Where exactly does turbo tax ask you this? Where you enter your w2 or 1099sa? I think I'm doing something wrong.
by scottyja
Sat Jan 31, 2015 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 735

Excess HSA contribution - do I need new W2?

I'm working on my taxes and it looks like I overfunded by HSA by $100.59 - I thought I had it right, but looks like I messed up. My HSA has a 'Distribution of Excess HSA Contribution Form' I can fill out and have them send me the $100.59 (for a $20 fee). This raises two questions - 1. Should I just ...
by scottyja
Fri Jan 30, 2015 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 735

Re: Rebalancing via contributions

Does anyone know of any good tools that will figure out what contribution %'s to use to continually seek your ideal asset allocation across accounts? (Other than breaking out an excel spreadsheet and manually doing it every pay period) I use the 'Optimal lazy portfolio rebalancing calculator' (http...
by scottyja
Thu Jan 29, 2015 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing via contributions
Replies: 19
Views: 1570

Re: HSA... any receipt savers?

My spreadsheet and examples were to show that if that "tax-deferred growth" in your HSA is ultimately used for living expenses , you'd have more money if you paid out of your HSA and invested the out-of-pocket cash you otherwise spent, given our assumptions. knpstr, I appreciate the time ...
by scottyja
Thu Jan 29, 2015 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 10301

Re: Perspectives on house with a pool

The last time I moved to my retirement house it took us almost 2 years to find a house with no pool that we really liked etc.. We probably rejected 10-20 really nice houses because they had pools. Since then I have learned about pool "retiring". See here ( http://deckover.com/index.html)....
by scottyja
Wed Jan 28, 2015 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Perspectives on house with a pool
Replies: 34
Views: 2851

Re: Perspectives on house with a pool

Others will certainly feel differently, but I would personally avoid a house with a pool. We had a home in AZ with a pool, which was already there when we bought the house, and the novelty of it quickly wore off. Most of our neighbors with a pool felt the same way. Ironically, most of the neighbors ...
by scottyja
Wed Jan 28, 2015 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Perspectives on house with a pool
Replies: 34
Views: 2851

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: 203
Views: 10301

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: 203
Views: 10301

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: 203
Views: 10301

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: 203
Views: 10301

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: 203
Views: 10301

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: 203
Views: 10301

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: 203
Views: 10301

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: 3597

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: 11125

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: 11125

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: 11125

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: 4510

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: 11125

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: 1710

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: 645

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: 1921

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: 155
Views: 9040

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: 155
Views: 9040

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: 783

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: 783

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: 1076

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: 1131

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: 27501

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: 372

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: 1908

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: 197
Views: 12664

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: 1908

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: 197
Views: 12664

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: 451

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: 1596

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: 340

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: 1760

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: 3304

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: 3304

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: 3958
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