Search found 1807 matches

by an_asker
Fri Oct 20, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 7
Views: 722

Re: HSA question

Can anyone confirm this part, given this is an IRS-eligible HSA expense: For example, if the procedure costs 10k, and the HSA balance is 7k, can 7k be withdrawn right away, and another 3k the year after it was performed (after the HSA has been funded for that subsequent year)? Most of the informati...
by an_asker
Fri Oct 20, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 20
Views: 1259

Re: Visiting the Great Barrier Reef

How does one set off on a "day or two" drive without checking the distances or drive times? I glossed over that whole paragraph in the OP as being not relevant. But it did appear strange to me. Had I been on that vacation, I wouldn't have had eight days to spare - would've turned around after 12 ho...
by an_asker
Fri Oct 20, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2405

Re: Best smartphone

Ged wrote:
Fri Oct 20, 2017 9:34 am
[...]
I'm not kidding - when I glanced at your number of posts, I read 32GB ;-)
by an_asker
Fri Oct 20, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2405

Re: Best smartphone

Best smartphone I've ever owned: iPhone SE. Bought it for $199 and using with my Tracfone account, $6.50/month. My wife bought one too. We have different colored cases so we can tell them apart. I just paid $200 for a used one. :oops: Where did you get it for $199?!! Total Wireless has the iPhone S...
by an_asker
Fri Oct 20, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2405

Re: Best smartphone

Nicolas wrote:
Wed Oct 18, 2017 4:17 pm
Best smartphone I've ever owned: iPhone SE. Bought it for $199 and using with my Tracfone account, $6.50/month. My wife bought one too. We have different colored cases so we can tell them apart.
I just paid $200 for a used one. :oops: Where did you get it for $199?!!
by an_asker
Fri Oct 20, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 61
Views: 6907

Re: new 401(k) limits announced

Why couldn't they just make it $18,600 instead? That would be nice and divisible by 24 (or 12) for payroll contribution. At the current limit, it's an easy $750 bi-monthly ($1500 monthly) to max out. For 2018, it will be $770.83333 bi-monthly ($1541.66667 monthly). Hitting the exact limit just got ...
by an_asker
Thu Oct 19, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 20
Views: 1259

Re: Visiting the Great Barrier Reef

About 25 years ago I had a speaking engagement in Sydney. On the way home, I flew to Cairns to see the Great Barrier Reef. The tour was underwhelming. We took a boat out to the reef and landed at a place covered largely with birds. Did not do any snorkeling but went on a glass bottom boat tour. Not...
by an_asker
Thu Oct 19, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 20
Views: 1259

Re: Visiting the Great Barrier Reef

Just returned from a trip to Australia which included a trip to Cairns to see the Great Barrier Reef. Considered one of the natural wonders of the world, it is always listed as a "must-see" when visiting Australia and was probably the thing I was most looking forward to. So I offer the following ob...
by an_asker
Thu Oct 19, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2233

Re: How does the medical billing system work?

This grossly over stated MSRP is how hospitals get giant tax write offs and maintain their non profit status. They treat uninsured and then write off this giant non collectable fee on their tax bill. So by magic they have no profit!!!!? This is 100% false. Do not listen to this person. They are lyi...
by an_asker
Wed Oct 18, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Least expensive iPhone
Replies: 65
Views: 5724

Re: Least expensive iPhone

Literally a year after posting this question, I've paid for a used iPhone SE from Swappa (yet to arrive, but it is in the mail). Wish me luck, folks! :-)

I've now got about half a dozen working smartphones in my collection, each of which - believe me or not - is serving a purpose!!
by an_asker
Wed Oct 18, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2405

Re: Best smartphone

I wonder how long it is going to take to name about every phone available on the market as the recommended phone. I'll name iPhone 6 because I have one and have not yet been moved to buy something else. I think you've a point there. I think OP's question needs to be replaced with "which is the best...
by an_asker
Wed Oct 18, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 37
Views: 1557

Re: Multi-currency accounts for US citizen

If it is mainly used for travel, he should just throw his left-over foreign currency in an envelope and put it where he will find it before going on the next trip. It's not like he's going to be stashing thousands away each time, but the fees to monitor small amounts of left-overs for him would out...
by an_asker
Wed Oct 18, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2344

Re: Credit scores fell this month a lot for no reason

I recently paid off a large installment loan - my credit score declined 30 points :annoyed . The credit agencies need to revise their use of a FICO scoring model that fails to understand how risk declines when overall credit utilization declines. It's annoying, but you can't fix stupid. I don't thi...
by an_asker
Wed Oct 18, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 37
Views: 1557

Re: Multi-currency accounts for US citizen

There are ETFs that invest in various currencies, but their risks are different than for stock-based ETFs and they can be quite volatile. https://www.fidelity.com/learning-center/investment-products/etf/types-of-etfs-foreign-currency-etfs He’s not really looking for investment opportunities; he wou...
by an_asker
Wed Oct 18, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 37
Views: 1557

Re: Multi-currency accounts for US citizen

Maybe an even simpler option would be to have him sign up for a credit card with no foreign transaction fees. That way he can travel to as many countries as he wants, and never have to worry about different currencies and transaction fees. Also, this gives him most value for his dollars and helps b...
by an_asker
Wed Oct 18, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 37
Views: 1557

Re: Multi-currency accounts for US citizen

TomatoTomahto wrote:
Wed Oct 18, 2017 10:02 am
[...]He’ll learn, and someday, he might decide to fill an unmet need himself.
Maybe he can start a low-cost HSA bank/servicer ;-)
by an_asker
Wed Oct 18, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 37
Views: 1557

Re: Multi-currency accounts for US citizen

For sake of simplicity, I think cashing the Euros and keeping the cash for future European trips is the best bet. Opening a multi-currency account just for 600 Euros doesn't seem like its worth the hassle. He’s young, and the expectation is that he will be traveling a lot after college. This year, ...
by an_asker
Wed Oct 18, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2319

Re: Why so many "reversed" pictures?

Huh!! I've never seen those reversed photos. Never claimed to have good observation powers :oops: Some (perhaps most) people do not have symmetric faces, so if you look at a face photo (perhaps yourself) reversed - it may not look fully like you. That is difficult for me to observe. I was referring...
by an_asker
Wed Oct 18, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2233

Re: How does the medical billing system work?

This grossly over stated MSRP is how hospitals get giant tax write offs and maintain their non profit status. They treat uninsured and then write off this giant non collectable fee on their tax bill. So by magic they have no profit!!!!? This is 100% false. Do not listen to this person. They are lyi...
by an_asker
Wed Oct 18, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2319

Re: Why so many "reversed" pictures?

Huh!! I've never seen those reversed photos. Never claimed to have good observation powers :oops:
by an_asker
Wed Oct 18, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 37
Views: 1557

Re: Multi-currency accounts for US citizen

For sake of simplicity, I think cashing the Euros and keeping the cash for future European trips is the best bet. Opening a multi-currency account just for 600 Euros doesn't seem like its worth the hassle. Simpler than that, put that in a (big enough) piggy bank like I have, though my balances are ...
by an_asker
Wed Oct 18, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2344

Re: Credit scores fell this month a lot for no reason

There is zero risk in extending me credit. The scores aren't entirely designed to estimate your risk. They're designed to rate your attractiveness as a credit customer. Your risk level is only half of that picture. :beer [...] This bears repeating, especially because folks don't appear to be unders...
by an_asker
Tue Oct 17, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 44
Views: 3988

Re: Alliant Credit Union no longer offering HSA's as of 11/9

DW has an account with Alliant HSA. It is all in cash currently. With the change in Alliant, my head is spinning with the available HSA options. I am unable to figure out whether to leave the cash "as is" going into HealthEquity, or whether to move it somewhere. I would love to have a tabulated comp...
by an_asker
Tue Oct 17, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 5068

Re: Best way to make some dollars on a 10 day vacation?

From a pure utility POV, you'd likely be much better off taking those 10 days to invest in yourself - your health, happiness, knowledge, skills, etc. +1. Decompress. Stop thinking of Money for 10 days. I agree! Hankering after more money defeats the very purpose of vacation. OP, if you want a tongu...
by an_asker
Tue Oct 17, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale rule unclear if not married at time of buy or sell
Replies: 5
Views: 487

Re: Wash sale rule unclear if not married at time of buy or sell

I wouldn't claim to know IRS's answer. But, if you were to ask me to hazard a guess. I would say that your spouse cannot (after marriage) purchase a stock that you've sold within 30 days of her purchase date. In other words, actions performed before marriage should be mutually exclusive, but actions...
by an_asker
Tue Oct 17, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2393

Re: How do you outfit your feet?

obgraham wrote:
Mon Oct 16, 2017 9:22 pm
[...]
Never understood the fascination with having a closet full of shoes. I only have 2 feet.[...]
I bet you've only one torso. How many tops do you own? ;-)
by an_asker
Tue Oct 17, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17576

Re: TD Ameritrade - changes in free ETF options

wxturtle wrote:
Tue Oct 17, 2017 11:06 am
michaeljc70 wrote:
Tue Oct 17, 2017 10:40 am
I searched before posting. Those threads are old. I got this email today and the change is coming in November.
viewtopic.php?f=10&t=229801
I know that for a turtles, three days is no biggie, but ... ;-)
by an_asker
Fri Oct 13, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 1803

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Thanks We are Texans and have barely skied (tried 2-3 times) :mrgreen: We will be landing in Frankfurt 3-4 days before Christmas to attend wedding. I am just exploring if this could be a viable plan. The day after Christmas, begin a train journey for 10-11 days. Stay in 2 or 3 towns for few days ea...
by an_asker
Fri Oct 06, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3894

Re: How do you value your time?

Rupert wrote:
Fri Oct 06, 2017 11:27 am
[...]+100.[...]
Do you own special Boglehead voting rights - the Class A shares? ;-)
by an_asker
Fri Oct 06, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3894

Re: How do you value your time?

This is so personal that anyone who gives an opinion is wrong. You must make your own decision about this. Everyone's free time is obviously worth something, otherwise we would make our own clothes. But what it’s worth is up to you. Mathematical equations won’t figure it out for you. JT The questio...
by an_asker
Fri Oct 06, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 4036

Re: Trying to convince my sister not to use a financial advisor

:oops: My sister has $100k to invest and has an appointment tomorrow to wrap up the paperwork with a financial advisor who promised her a portfolio of Vanguard ETFs that he will balance for her, for a small fee of 1.4%! I told her to run and just open up an account herself on Vanguard and do it her...
by an_asker
Fri Oct 06, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2541

Re: Fidelity: can no longer use first initial, middle name

Speaking of US cultural assumptions about names, I remember reading something somewhere, a letter to the editor or a comment on a news story, something like that, complaining that referring to then-current UN Secretary General Ban Ki-moon as Ban was disrespectful, because we should use his last nam...
by an_asker
Fri Oct 06, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2541

Re: Fidelity: can no longer use first initial, middle name

[...]For heaven's sake! This is 2017! My smartphone has eight giga bytes of storage. We can afford to store peoples' full names, however long and complex, and we can write code to store the names in the form preferred by the people whose names they are. And however it is stored, in the USA, you wil...
by an_asker
Fri Oct 06, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Weeklong vacation Thanksgiving
Replies: 13
Views: 1146

Re: Weeklong vacation Thanksgiving

Hello BHs: Any suggestions for vacation places from Dallas, Tx for 5-7 days with the exception of Florida and California. Been there few times. Family with 3 kids from ages between 1-8. Air travel or road travel both ok. Budget without airflights- $2k-$3k for hotels, activities, etc.. Thanks in adv...
by an_asker
Fri Oct 06, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Health insurance gamble?
Replies: 24
Views: 2013

Re: Health insurance gamble?

The only gamble you are taking is if a catastrophe occurs and nobody can handle activating the insurance within the 60 day time period. You really can have an expensive surgery tomorrow and sign up for Cobra on Thanksgiving and be covered. My husband played this gamble once. He did not use the insu...
by an_asker
Thu Oct 05, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3894

Re: How do you value your time?

I'm the kind of person who parks a mile away to avoid paying $20 for parking. I recently got married so this behavior is creating a lot of conflict. My spouse believes in "paying for convenience". I need help in how to value my time so I can find some common ground with my spouse. If I take my annu...
by an_asker
Thu Oct 05, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Driving from Boise to Missoula: Best Route?
Replies: 11
Views: 805

Re: Driving from Boise to Missoula: Best Route?

Sorry to hijack the thread ... how is that area as far as deer are concerned? I know they're likely to be a nuisance probably in the summer, not right now, but I was wondering if they do wander out on to the roads in Idaho/Montana as well? And when is the best time for fall colors (now is probably t...
by an_asker
Thu Oct 05, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3894

Re: How do you value your time?

I'm the kind of person who parks a mile away to avoid paying $20 for parking.[...] You know what would be really ironic? If you paid $20 to park a mile closer, then spent $20 to join a gym and walk that mile on a treadmill (in optimal AC environment, no less)! :oops: PS: BTW, logic notwithstanding,...
by an_asker
Thu Oct 05, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3894

Re: How do you value your time?

I'm the kind of person who parks a mile away to avoid paying $20 for parking. I recently got married so this behavior is creating a lot of conflict. My spouse believes in "paying for convenience". I need help in how to value my time so I can find some common ground with my spouse. So what is the va...
by an_asker
Thu Oct 05, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3979

Retirees, how and how much do you pay for health insurance?

It just struck me that I have never had a good feel for how much health insurance costs in retirement. I have vaguely heard of Medicare, Medicaid, etc, but don't know how those impact the health insurance premiums. So, let me ask these questions for retirees: - how do you pay for health insurance? I...
by an_asker
Thu Oct 05, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1580

Re: Travel camera reviews of what you own and why?

Queries on travel camera and "point n shoot" advice often come up. Perhaps a comparison review of what we use specifically for travel and why would help others. Question: What is your favorite travel camera(s) and why did you choose it? [...] We carry the following with us: Me: Canon XS510 - my mai...
by an_asker
Thu Oct 05, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1580

Re: Travel camera reviews of what you own and why?

Thanks sandtrap and POF! I will need a few re-reads to understand and digest this information fully. But I am starting to understand ... and have more questions. Let me first understand the sensor: it is just that part of the camera's body that is sensitive to the image and can capture the image. Th...
by an_asker
Wed Oct 04, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 5372

Re: Do you foresee a drop in housing prices in the next 5 years

runner540 wrote:
Tue Oct 03, 2017 10:54 pm
Faisal,

Sorry that you got so much sarcasm about crystal balls.[...]
Whoops! :oops:

In my defense, I did not read the other replies before responding!
by an_asker
Wed Oct 04, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 5372

Re: Do you foresee a drop in housing prices in the next 5 years

As the title says do you foresee a drop in housing prices due to prices being too high for new potential home buyers being priced out of the market? Edit: To clarify I am not asking if there will be another housing market crash, but that a simple supply and demand issue where prices are too high fo...
by an_asker
Wed Oct 04, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer 401k Questions
Replies: 7
Views: 419

Re: New Employer 401k Questions

Emergency funds: $15k (four months of expenses) Debt: $168k mortgage - 3.875% $220k student loan - 7% (she has worked in the public sector for seven years, therefore this loan is due to be forgiven in three years; however, who knows if that will actually happen. With that said, we’ve come this far ...
by an_asker
Wed Oct 04, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1424

Re: Is an HSA required if one has HDHP?

I am curious to see the final outcome, though it definitely is a 1% of the First World problem! I don't think many employers permit retired employees to even have the health insurance plan that they offer employees. That said, I wonder what use it is to you to be able to contribute to the HSA if you...
by an_asker
Wed Oct 04, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1580

Re: Travel camera reviews of what you own and why?

I travel with an Olympus micro four thirds mirrorless setup. I've got 2 EM-10 bodies and a few prime and zoom lenses. I used to have a Nikon DSLR system, but it was all so heavy and bulky. I'm very happy with my current Oly system and I get some great photos with it. Having 2 bodies keeps me from h...
by an_asker
Wed Oct 04, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1580

Re: Travel camera reviews of what you own and why?

I travel with an Olympus micro four thirds mirrorless setup. I've got 2 EM-10 bodies and a few prime and zoom lenses. I used to have a Nikon DSLR system, but it was all so heavy and bulky. I'm very happy with my current Oly system and I get some great photos with it. Having 2 bodies keeps me from h...
by an_asker
Wed Oct 04, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: FA Offering Financial Instrument--Turn $90K into $360K
Replies: 18
Views: 1803

Re: FA Offering Financial Instrument--Turn $90K into $360K

A friend's financial adviser is offering a financial instrument--turning $90K into $360K in 14 years. Also with the deal, if any money is lost, 15% of losses will be refunded. Well, if you've got the offer correct, there doesn't appear to be a guarantee that your friend will earn 10% a year for 14 ...
by an_asker
Wed Oct 04, 2017 6:54 am
Forum: Investing - Help with Personal Investments
Topic: FA Offering Financial Instrument--Turn $90K into $360K
Replies: 18
Views: 1803

Re: FA Offering Financial Instrument--Turn $90K into $360K

I'll offer you an "investment" that will double every month, for 2 years. IF there is a "loss" (ahem), I will ever so gladly give you 15% of the "loss" back. Please sign here: ______________________ RM If you repay 15% of the original amount, you've held up your end of the bargain, right? :oops: