Search found 159 matches

by scottyja
Fri Jul 31, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 995

Re: Newborn Health Insurance Questions

When I finally got my bills (PPO), the surgery and the hospital bill was billed to my wife. The baby also was billed separately for his own surgery and his hospital stay. Had I known this would have happened, I would have put him under my wife's insurance since their deductible would have been met ...
by scottyja
Wed Jul 22, 2015 1:55 pm
Forum: Personal Consumer Issues
Topic: Best Book for Beginning Auto Maintenance
Replies: 8
Views: 771

Re: Best Book for Beginning Auto Maintenance

I would start with google and youtube. There are forums specific to many makes/models - you will likely find a video tutorial or a forum post describing the specific thing you're trying to do.
by scottyja
Wed Jul 15, 2015 11:29 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6816

Re: I tipped 15% and got a dirty look

I've done pizza delivery and personally, I wish we would do away with tipping altogether. Great service should be an expectation, not a pleasant surprise. And if it's not there, the proprietors should, and likely will, lose business. We recently had a family member in the hospital and the hospital s...
by scottyja
Tue Jul 14, 2015 5:59 pm
Forum: Personal Consumer Issues
Topic: Music player while exercising
Replies: 32
Views: 1779

Re: Music player while exercising

I'm a fan of the Sansa Clip line of mp3 players. They're cheap and very, very small. Perfect for working out.
by scottyja
Mon Jun 22, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iOS
Replies: 13
Views: 1538

Re: Moving from Android to iOS

Check the fine print on the company deal. They may explain that they reserve the right to look at anything you put on the phone, including personal email. Mine did. I only used it for an occasional personal call (which they paid for as part of the program) but I had my own device for everything els...
by scottyja
Mon Jun 22, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iOS
Replies: 13
Views: 1538

Re: Moving from Android to iOS

Why you would give up your personal phone to get a company one? That seems like a way bigger impact to me. Mostly for the cost and the integration with calendar and mail. The company subsidizes the cost of the device and the plan and make it pretty seamless integrating work apps with the phone. The...
by scottyja
Mon Jun 22, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iOS
Replies: 13
Views: 1538

Moving from Android to iOS

I'm considering moving from Android to iOS. My Nexus 4, which I loved, recently died and I'm looking for a replacement. I ordered a Fire Phone from Amazon, and while I'm getting used to its quirkiness, I don't think it will work out because my company doesn't allow it on the network (no email or cal...
by scottyja
Thu Jun 18, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 4952

Re: New to Golf

I played my first round of golf ever with my in laws using a set of old borrowed clubs. I was really bad. It was in good fun and we didn't even keep score. By the end of the round I was hitting shorter shots ok (9 iron). No matter what I was doing though I could not drive at all. My form is horribl...
by scottyja
Fri Jun 12, 2015 2:27 pm
Forum: Personal Consumer Issues
Topic: Dilemma Selling and Buying House
Replies: 19
Views: 2178

Re: Dilemma Selling and Buying House

I see realtors here offering "buy your next home with me and I'll sell yours for free" deals quite often. Some even offer to move you! We did this years back and I regret it. It motivated the realtor to find me the most expensive house I could afford, and sell my current home as quickly an...
by scottyja
Wed Jun 10, 2015 10:02 am
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13664

Re: Car dealer wants me to compensate for underpayment

But to answer this question, as I said above the $1500 was a rebate that evidently this transaction was not eligible for. If I'm reading the paper correctly the fact that it was a rebate simplifies the tax situation because I believe I paid sales tax on the price pre-rebate. A couple of people have...
by scottyja
Wed Jun 10, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: HSA reimbursements - to take now or wait?
Replies: 13
Views: 1333

Re: HSA reimbursements - to take now or wait?

Aptenodytes wrote:If you wish, the choice doesn't have to be all-or-nothing. Our rule is to use the debit card for expenses under $50 (to save on the volume of receipts and transactions to track) and pay out of pocket for everything else.


+1 - we use this system as well.
by scottyja
Wed Jun 10, 2015 9:27 am
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13664

Re: Car dealer wants me to compensate for underpayment

So when the contracts says: it "represents the complete agreement between you and dealer regardless of any other oral, written, or prior agreements or representations." and the invoice says: "The front and back of this agreement, together with the Bailment Agreement of even date herew...
by scottyja
Mon Jun 08, 2015 5:33 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13664

Re: Car dealer wants me to compensate for underpayment

I'm finding this thread very entertaining. I think I've flip-flopped on my stance a couple of times while reading through it. :happy I found the following legal blog interesting, basically stating an invoice is not a contract, meaning the invoice just references what the purchaser has paid towards t...
by scottyja
Mon Jun 08, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13664

Re: Car dealer wants me to compensate for underpayment

I signed a contract to buy the car two weeks ago. I picked it up a week later after the credit union check came in the mail. The final invoice was $1500 less than what had been on the original contract. I'm curious - if the invoice had been $1500 more than the contract and you hadn't noticed at pic...
by scottyja
Wed Jun 03, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Windows Media Center discontinued
Replies: 18
Views: 1640

Re: Windows Media Center discontinued

I was disappointed (but not surprised) to hear Media Center wasn't included with Windows 10, especially since I use an XBox 360 as an extender. I've heard that other options (like MythTV) will allow a 360 to be an extender, but I'm not looking forward to putting time into getting that set up. My cur...
by scottyja
Fri Apr 24, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 28
Views: 2368

Re: My PC is driving me nuts.

+1 for Chrome, Adblock+ and Malwarebytes. But it's not just malware and viruses that cause slowdowns. I'm a fan of CCleaner - it's free and does a good job clearing a lot of the temp files that can also bog your system down. It also has a tool that helps you clean up what runs when Windows starts. M...
by scottyja
Fri Apr 24, 2015 11:38 am
Forum: Personal Finance (Not Investing)
Topic: How does bank pay car dealer?
Replies: 4
Views: 529

Re: How does bank pay car dealer?

Not sure what you mean by, "how does the bank end up with the full $20k?" If the car price is $20k and you pay $10k down then the bank only loans the difference of $10K. Where I live, you would get the title but it would show the bank as the lien holder until loan is paid in full. Sorry, ...
by scottyja
Fri Apr 24, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 3068

Re: Car Dealership Credit Report

This post got me curious, as I was just talking to a coworker about his experience trying to buy a new car from a local dealership. The sales rep insisted my coworder needed to provide his SSN. The first reason the sales rep gave was the Patriot Act. My coworker continued to refuse and the dealer th...
by scottyja
Fri Apr 24, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: How does bank pay car dealer?
Replies: 4
Views: 529

How does bank pay car dealer?

I was talking to a co-worker today about purchasing a new car, and I realized I don't understand the specifics of purchasing a car from a dealership. Let's say I've been pre-approved for a $20,000 car loan. I find the car I want at a dealership, and work the price out to $20,000 (including fees, reg...
by scottyja
Mon Apr 13, 2015 5:59 pm
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 4544

Re: Should I buy extended warranty for our new Toyota Sienna

I would drive the car for a while before deciding. You just spent a lot of money on a good product. You should have until factory warranty expiration to buy. +1 - There are a number of reasons why you might not even have the car before the base warranty expires. I would wait until you're approachin...
by scottyja
Mon Apr 06, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 4208

Re: Home Air Filters

When we had our furnace replaced we had a whole-house air purifier installed at the same time. It's a large cabinet that sits right next to the furnace, filtering everything coming from the returns. I replace the MERV-13 filter once a year for about $40. This has been so much better than dealing wit...
by scottyja
Thu Apr 02, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 5460

Re: Cloud Storage

I use and LOVE Google Drive, but to answer your question, the Android app is not automatic. If I take a photo or video with my phone, I have to manually upload it to Google Drive. A bit of a pain, but I also really like the ability to keep my folder structure intact. I don't want every single pictu...
by scottyja
Thu Apr 02, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 5460

Re: Cloud Storage

I put important files in an encrypted disk image and then put the disk image in google drive. If you're using an encrypted backup service, like CrashPlan, you don't need to backup the entire image every time you do a backup. I initially had it set up this way - my encrypted space was ~ 5GB, but any...
by scottyja
Thu Mar 26, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: New Furnace & A/C Unit
Replies: 37
Views: 4359

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
Tue Feb 17, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Credit File Freezes
Replies: 12
Views: 1152

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 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Credit File Freezes
Replies: 12
Views: 1152

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 10, 2015 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 8537

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
Sat Feb 07, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend a custodian for individual HSA account
Replies: 26
Views: 2745

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 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: This CPA is advocating snail-mail over e-file for taxes
Replies: 55
Views: 4489

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 Jan 31, 2015 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 942

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 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 942

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 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 942

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
Fri Jan 30, 2015 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 10
Views: 942

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
Thu Jan 29, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing via contributions
Replies: 19
Views: 1679

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 11:29 am
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 11354

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
Wed Jan 28, 2015 3:52 pm
Forum: Personal Consumer Issues
Topic: Perspectives on house with a pool
Replies: 34
Views: 3258

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 12:37 pm
Forum: Personal Consumer Issues
Topic: Perspectives on house with a pool
Replies: 34
Views: 3258

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
Thu Jan 22, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 11354

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 10:46 am
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 11354

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 10:20 am
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 11354

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
Wed Jan 21, 2015 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 11354

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 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 11354

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 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 11354

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 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 11354

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
Tue Dec 30, 2014 4:18 pm
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 3917

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
Mon Dec 29, 2014 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 12183

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 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 12183

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
Sun Dec 28, 2014 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 12183

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
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: 4840

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 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 12183

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...

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