Search found 768 matches

by Small Law Survivor
Sat Nov 23, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Recommend Online Eyeglass Company for Strong Presc.?
Replies: 13
Views: 1089

Re: Recommend Online Eyeglass Company for Strong Presc.?

I have a very strong prescription: Sphere: both eyes 13.25 Cylinder: R - 2.75, L - 0.75 To fill this at a conventional eye store is very expensive, so I've tried some of the "low cost" alternatives - Costo, Zenni, Warbyparker. All three told me they could not fill this prescription. Is there anyone...
by Small Law Survivor
Sat Nov 23, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Recommend Online Eyeglass Company for Strong Presc.?
Replies: 13
Views: 1089

Re: Recommend Online Eyeglass Company for Strong Presc.?

You definitely need high index lenses for a -13.25 Diopter prescription. Unfortunately the index of refraction of high index lenses is not much greater than regular lenses and they are quite expensive. Unless the lenses are made as small as possible, they will be quite thick for many frames. I used...
by Small Law Survivor
Fri Nov 22, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Recommend Online Eyeglass Company for Strong Presc.?
Replies: 13
Views: 1089

Recommend Online Eyeglass Company for Strong Presc.?

I have a very strong prescription: Sphere: both eyes 13.25 Cylinder: R - 2.75, L - 0.75 To fill this at a conventional eye store is very expensive, so I've tried some of the "low cost" alternatives - Costo, Zenni, Warbyparker. All three told me they could not fill this prescription. Is there anyone ...
by Small Law Survivor
Wed Nov 13, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: The difficulty of discarding frugality?
Replies: 110
Views: 10398

Re: The difficulty of discarding frugality?

I think if you grow up poor or middle class, you behave frugally for the rest of your life, no matter how much money you accumulate. That was true of my parents, it's true of me and my wife.
by Small Law Survivor
Wed Nov 13, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Forgotten Expenses in Retirement--Travel
Replies: 32
Views: 2668

Re: Forgotten Expenses in Retirement--Travel

. . . local services transport our luggage between accommodations Hmmm ... never heard of this before. Just assumed you toss your luggage in the back of a cab and drag it to and from yourself. Do you have a lot of luggage, or am I missing some aspect of this service. I'm actually interested .... :)
by Small Law Survivor
Sun Nov 10, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Kindle/Paperwhite -E Reader
Replies: 20
Views: 1533

Re: Kindle/Paperwhite -E Reader

I need a new Kindle - just got back from round-trip from Boston to NYC on Amtrak, and I left my 3 yr. old Kindle in the backseat pocket on the way down. I did "unregister" it right away, so if someone found it they couldn't use it for a book-buying splurge - although given how little people read the...
by Small Law Survivor
Fri Nov 08, 2019 5:38 pm
Forum: Personal Investments
Topic: How much is too much in an HSA?
Replies: 51
Views: 4283

Re: How much is too much in an HSA?

I think $100k is when I might start to think I have "enough", but I am 30 years from Medicare...impossible to know what healthcare costs will be at that point. I would guess a very small number of Bogleheads have $100k in their HSA. Approaching $120,000 here. Close to the end of this accumulation, ...
by Small Law Survivor
Sat Nov 02, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 1799

Re: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

OK, did the rechar by phone, quickly/easily. Thanks once again to BH for this help - I was prepared to just live w/t mistake. You gave me the knowledge and confidence to easily correct it. Be aware that you will have to report this on your taxes. You will report you contributed to the TIRA and then...
by Small Law Survivor
Fri Nov 01, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 1799

Re: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

OK, did the rechar by phone, quickly/easily. Thanks once again to BH for this help - I was prepared to just live w/t mistake. You gave me the knowledge and confidence to easily correct it.
by Small Law Survivor
Thu Oct 31, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Folks age between 65-70. What’s your exercise routine
Replies: 44
Views: 4565

Re: Folks age between 65-70. What’s your exercise routine

Joined a Lifetime Fitness when I turned 65. Typical workout: Treadmill for 20-25 minutes. Yoga stretches 30 minutes Weight lifting/sit ups/push ups 30 min. Solo basketball (if court avail.) 30 min. During summer months I swim rather than treadmill. Sometimes I go to classes, or the cycle room. Yeah,...
by Small Law Survivor
Thu Oct 31, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 1799

Re: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

I fear I am not being clear. If I recharacterize the tIRA contribution as a Roth, I will have to pay taxes on it. I'm 68 years old, and I'm in the process of getting money out of my tIRA and into my Roth. If I "recharacterize" from tIRA to Roth, I'll have to pay taxes on the conversion - I'm already...
by Small Law Survivor
Thu Oct 31, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 1799

Re: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

Well, I'm looking at the online process Vanguard sent me to do this. It's very tax-intensive, which all kinds of "consult your tax advisor" warnings. I'm not sure, but I think that they will treat this as a taxable withdrawal from the IRA. I can't "reverse" the transaction. Is that right? Thanks, in...
by Small Law Survivor
Wed Oct 30, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 1799

Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

I messed up a day ago - I meant to contribute to my Vanguard Roth IRA, but I mistakenly contributed to my traditional IRA at Vanguard. We have a lot of accts. at Vanguard, and I guess I got confused. Is this reversible, given all the changes in the law a couple of years ago in law regarding recharac...
by Small Law Survivor
Tue Oct 29, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Is it normal for a contractor to require 50% payment up front?
Replies: 52
Views: 3765

Re: Is it normal for a contractor to require 50% payment up front?

CobraKai wrote:
Tue Oct 29, 2019 10:37 am
has excellent online reviews
After a terrible experience with Angies List this year, I would not trust online reviews. I suspect that people are reluctant to deal with retaliation from a bad review. That was my case. So, you just see favorable reviews.
by Small Law Survivor
Thu Oct 24, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5573

Re: Does the Average Homeowner Need a Water Shut Off Valve

RickBoglehead wrote:
Thu Oct 24, 2019 3:00 pm
It depends. If you have a pipe burst and damage, then you needed it...
Hmmm.... reminds me of that old Mark Twain saying, "buy stocks when they go down, sell them when they go up. If they don't go up, don't buy them."
by Small Law Survivor
Thu Oct 24, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5573

Does the Average Homeowner Need a Water Shut Off Valve?

I'd never heard of these before, but my insurance company (PURE) sent me a promo for several. They cost between $1,500 and $2,000 (for the hardware). Here's their description: These devices attach directly to your water main line and monitor the flow of water into your home. They will alert you and ...
by Small Law Survivor
Thu Oct 24, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Massachusetts Case in Which UBS Screwed Up Transfer to IRA Beneficiary
Replies: 1
Views: 349

Massachusetts Case in Which UBS Screwed Up Transfer to IRA Beneficiary

Sharing a link to what I found to be an interesting case: UBS Financial Services v. Aliberti https://www.mass.gov/files/documents/2019/10/22/q12662.pdf Based on the facts described, it seems that UBS completely and inexplicably screwed up the transfer of an IRA to a beneficiary, following the IRA ow...
by Small Law Survivor
Wed Oct 23, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4137
Views: 1183747

Re: What Book Are You Currently Reading? Part VI

Just downloaded audiobook of The Night Fire by Michael Connolly
Seems like these Harry Bosch novels come out every Fall, like clockwork. Good stuff, although I can't remember the differences between the various books. They all run together ...
by Small Law Survivor
Wed Oct 23, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: [Looking for Boston MA Financial Planner]
Replies: 7
Views: 1269

Re: [Looking for Boston MA Financial Planner]

Just a quick thought on this thread. I'm 68 years old. With the exception of a couple of years, I've lived in our around Boston my whole life. I've been a Boglehead from the very start, back when the forum was on Morningstar. I'm an attorney with a law firm in downtown Boston. I know or rub shoulder...
by Small Law Survivor
Mon Oct 21, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Second Opinion for Dental Procedure/Cost (Crown)
Replies: 13
Views: 1385

Second Opinion for Dental Procedure/Cost (Crown)

My dentist informs me that I need a new crown on tooth #29. He got pre-approval from my dental insurer (bc/bs of Mass), but with the insurance it shakes out as follows: My cost: $1,530 Insurer: $660 Total cost $2,190 The pretreatment document from bc/bs describes this as "core build-up" and "crown r...
by Small Law Survivor
Mon Oct 21, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4137
Views: 1183747

Re: What Book Are You Currently Reading? Part VI

Really enjoying Education of an Idealist by Samantha Power
by Small Law Survivor
Thu Oct 10, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Is Alicia Munnell Wrong About Spousal Social Security Benefits
Replies: 19
Views: 1924

Re: Is Alicia Munnell Wrong About Spousal Social Security Benefits

JoeRetire wrote:
Thu Oct 10, 2019 8:07 am
Alicia Munnell was not wrong about spousal Social Security benefits. The OP just didn't understand the point she was trying to make. It's hard.
Yes, obviously I didn't understand her point. My bad, sorry. It was a podcast, and it went by quickly ....
by Small Law Survivor
Thu Oct 10, 2019 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Is Alicia Munnell Wrong About Spousal Social Security Benefits
Replies: 19
Views: 1924

Re: Is Alicia Munnell Wrong About Spousal Social Security Benefits

I read the transcript. The point she was making is a little obscure and stretched, but not totally wrong. Her point was that a single-earner couple got a relative boost in SS retirement benefit (compared to their pre-retirement income) by the addition of the spousal benefit. A two-earner couple won...
by Small Law Survivor
Wed Oct 09, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is Alicia Munnell Wrong About Spousal Social Security Benefits
Replies: 19
Views: 1924

Is Alicia Munnell Wrong About Spousal Social Security Benefits

I was listening to Boston College economist Alicia Munnell discuss the "retirement crisis" on Morningstar's "Long View" podcast. She said (twice, I believe) that one reason for the crisis is that spouses no longer receive a spousal benefit - they are limited to their own benefit, which in the case o...
by Small Law Survivor
Mon Oct 07, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Security Error
Replies: 5
Views: 586

Re: Vanguard Security Error

Maybe they stitched the necessary words together from her outgoing message recording on her voicemail- not unlike the Robert Redford film I assume the whole thing is based on. :wink: Thanks for sharing. Concerning though unfortunately unsurprising. Nice thought - unless my wife DIDN'T want to trans...
by Small Law Survivor
Mon Oct 07, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Security Error
Replies: 5
Views: 586

Vanguard Security Error

When I retired from my law firm three years ago, we transferred our taxable account to my wife for liability protection reasons. Recently, we decided to transfer it back to our joint ownership, and we filled out and emailed to Vanguard the forms to accomplish this. The last step required my wife to ...
by Small Law Survivor
Mon Oct 07, 2019 6:55 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid Medicare IRMAA Surcharge
Replies: 72
Views: 5711

Re: How to avoid Medicare IRMAA Surcharge

Well, Roth conversions in 2018/2019 that put me into first tier IRMAA in 2021 and 2022 may keep me out of IRMAA for some period of time many years down the road (in my 80s), when RMDs increase, but how to analyze this in order to determine whether the conversions are prudent is way beyond my skills....
by Small Law Survivor
Sun Oct 06, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid Medicare IRMAA Surcharge
Replies: 72
Views: 5711

How to avoid Medicare IRMAA Surcharge

I'm planning to take medicare in 2021, and I have read that the gov looks back two years to determine whether an Income Related Monthly Adjustment Amount (IRMAA) surcharge should be applied. I haven't given this a lot of thought until now, but as we approach year-end 2019 and I decide how much of a ...
by Small Law Survivor
Wed Oct 02, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Is It Too Late to Stain My House? (Massachusetts)
Replies: 10
Views: 951

Re: Is It Too Late to Stain My House? (Massachusetts)

SanityCheck wrote:
Wed Oct 02, 2019 2:22 pm
I vote "no go"....why risk a very expensive project; when there is a risk that the stain will not cure/set properly. You may even get temp's into the 30's by the time the job is finished.

How much is the job costing ?
Cost is just under $9,000.
by Small Law Survivor
Wed Oct 02, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Is It Too Late to Stain My House? (Massachusetts)
Replies: 10
Views: 951

Re: Is It Too Late to Stain My House? (Massachusetts)

Staining below 50 degrees will slow down the curing process so it will take more time. The big thing you need to avoid is temperatures falling below freezing (32 F) before the stain is fully cured because freezing temperatures can alter the chemical reaction and cause it to never fully cure. Under ...
by Small Law Survivor
Wed Oct 02, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Is It Too Late to Stain My House? (Massachusetts)
Replies: 10
Views: 951

Is It Too Late to Stain My House? (Massachusetts)

I have a good painter, and he's given me a good price to stain my house in Massachusetts, in a western Boston suburb. However, the "rule" for staining seems to be not to stain at less than 50 degrees. In October temperatures here (esp. at night) dip into the 40s. The Boston Globe (David Epstein, for...
by Small Law Survivor
Sun Sep 29, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: Ken Fisher wants you to know that he cares...
Replies: 49
Views: 4634

Re: Ken Fisher wants you to know that he cares...

Fisher's sales people called me repeatedly for a number of years, and then just .... stopped.
by Small Law Survivor
Thu Sep 26, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 5091

Re: Protection From Catastrophic Medical Costs When Fully Insured

See my post yesterday: My Shocking "Medical Expenses Out of Control" Story De Jour https://www.bogleheads.org/forum/viewtopic.php?f=2&t=291260 The post was frozen (not clear to me why), but it bears on this issue. In a nutshell: my wife had an emergency while in New Hampshire, and had to be ambulanc...
by Small Law Survivor
Wed Sep 25, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: My Shocking "Medical Expenses Out of Control" Story Du Jour
Replies: 1
Views: 989

My Shocking "Medical Expenses Out of Control" Story Du Jour

In mid-August my wife experienced a retinal displacement. We live outside Boston. At the time, she was at a bridge competition in Nashua New Hampshire, and a friend took her to Southern N.H. Medical Center. From there, she was transferred by ambulance to Mass Eye and Ear in Boston. No medical treatm...
by Small Law Survivor
Wed Sep 25, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Article on Deferred Annuities on HumbleDoller
Replies: 15
Views: 1047

Article on Deferred Annuities on HumbleDoller

A September 25, 2019 article by an actuary on HumbleDollar discusses how to mitigate the risks of living to very old age. One of these is a "deeply deferred annuity": Yet another strategy might be to buy a deeply deferred annuity that doesn’t start payments until age 90. A 65-year-old man investing ...
by Small Law Survivor
Fri Sep 20, 2019 4:57 pm
Forum: Investing - Theory, News & General
Topic: How Would Vanguard Total World Have Behaved During the Japanese Bubble/Crash
Replies: 20
Views: 2174

Re: How Would Vanguard Total World Have Behaved During the Japanese Bubble/Crash

That got us talking about the fact that this fund follows world capitalizations, and therefore would have been buying more Japanese securities as that market rose to bubble heights in the late 1980s, only to crash in the early 1990s. Because it's an index fund, it wouldn't have bought more Japanese...
by Small Law Survivor
Thu Sep 19, 2019 4:33 pm
Forum: Investing - Theory, News & General
Topic: How Would Vanguard Total World Have Behaved During the Japanese Bubble/Crash
Replies: 20
Views: 2174

How Would Vanguard Total World Have Behaved During the Japanese Bubble/Crash

I'm teaching my daughter a bit about investing, and she is interested in Total World as a core investment. That got us talking about the fact that this fund follows world capitalizations, and therefore would have been buying more Japanese securities as that market rose to bubble heights in the late ...
by Small Law Survivor
Wed Sep 18, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2503

Re: Blue Apron for a sick friend?

We've tried them all, and Gobble is the best/easiest to use. Many of their meals are one or two skillet, stove-top preparation. Occasional oven.
by Small Law Survivor
Fri Sep 13, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4357

Re: Best Leaf Blower?

You might want to consider a yard vac. I know you said removal is easy, but once you start have to move a mountain of leaves, the blower becomes less efficient. My yard vac has literally saved me weeks of work over the years. Doing the yard by myself used to take 6 hours, with the vac 1.5. To vac t...
by Small Law Survivor
Fri Sep 13, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4357

Best Leaf Blower?

I have a large yard, and a LOT of trees. Hence, a lot of leaves by late October. I have a local landscaping company do a "Fall clean-up," but it's expensive, and every year I think about doing this myself. I have an area that I can blow leaves into, so removal is not an issue, only moving them off t...
by Small Law Survivor
Thu Sep 12, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9694

Re: How old is your cellphone?

Currently running an iPhone 6 (purchased December 2014) With software support ending on it shortly, I’m starting to get the itch to pull the trigger on a new device, but I would hate to do so because my device is still working. Do other bogleheads push their devices past their software support? Any...
by Small Law Survivor
Tue Sep 10, 2019 6:59 am
Forum: Personal Consumer Issues
Topic: Cold Air Penetrating Window Glass (Winter, Boston)
Replies: 30
Views: 2466

Re: Cold Air Penetrating Window Glass (Winter, Boston)

Since you live in Massachusetts, contact MassSave for a no-cost home energy assessment. It is sponsored by your local electric and gas utilities. They will come in and go over your entire house. They will do a blower test. They will change out your light bulbs to LEDS. They will give you energy sav...
by Small Law Survivor
Wed Sep 04, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Where To Convert Czech Republic/Croatia Currency to U.S. Dollars
Replies: 11
Views: 801

Re: Where To Convert Czech Republic/Croatia Currency to U.S. Dollars

livesoft wrote:
Wed Sep 04, 2019 1:12 pm
Have her cousins buy dollars in-country at a major bank.
To late, they are gone ....
by Small Law Survivor
Wed Sep 04, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Where To Convert Czech Republic/Croatia Currency to U.S. Dollars
Replies: 11
Views: 801

Where To Convert Czech Republic/Croatia Currency to U.S. Dollars

My wife was planning a trip to the Czech Republic and Croatia this month (with a couple of cousins). But, as fate would have it, a couple of weeks ago she suffered a retinal detachment, so trip off. However, I had already purchased several hundred dollars in local currency for her to bring for any e...
by Small Law Survivor
Wed Sep 04, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Cold Air Penetrating Window Glass (Winter, Boston)
Replies: 30
Views: 2466

Re: Cold Air Penetrating Window Glass (Winter, Boston)

Thank you for all this great input - you've given me a lot to think about, and to research. Not sure how I lived before Bogleheads! Small Law
by Small Law Survivor
Tue Sep 03, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Cold Air Penetrating Window Glass (Winter, Boston)
Replies: 30
Views: 2466

Cold Air Penetrating Window Glass (Winter, Boston)

The first floor of our house was really cold last winter. Late in the winter I purchased a laser surface temperature gun, and started testing the window panes during the relatively few cold days remaining. When it was in the 30's outside, the inside of the windows read in the high 50s/low 60s when t...
by Small Law Survivor
Wed Aug 28, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Experience With "Best Pick Reports"?
Replies: 1
Views: 207

Experience With "Best Pick Reports"?

I live in a Boston suburb, and it's really difficult to get work done on my house. Tradespeople don't return calls, or they say they are too busy, or they show up and I never hear from them again. I've tried Nexdtdoor.com, but it's not particularly useful. I've tried Angies List, same thing - disapp...
by Small Law Survivor
Sat Aug 24, 2019 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Blue Cross/Blue Shield Billing Errors in Our Favor?
Replies: 2
Views: 405

Blue Cross/Blue Shield Billing Errors in Our Favor?

I am covered by an HSA, and I follow the practice of paying out of pocket and saving/investing the HSA contributions. I ask my wife to collect receipts, invoices for medical expenses, in case we ever need to spend HSA money and debit it against medical expenses incurred while the HSA was in effect. ...
by Small Law Survivor
Fri Aug 23, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 306
Views: 45714

Re: Anyone disenchanted with retirement?

Good Listener wrote:
Mon Jan 08, 2018 5:50 pm
I get disappointed anyday I have anything on my schedule.
Yup, often say this. I like to look at my calendar on Sunday and see NOTHING for the upcoming week.
by Small Law Survivor
Wed Jul 24, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA or pay Out Of Pocket?
Replies: 30
Views: 2049

Re: Use HSA or pay Out Of Pocket?

Do those with HSA account pay their medical bills out of pocket and allow the HSA to grow tax free for decades (until retirement)? Is a medical bill paid out of pocket still a tax deduction even if a person is funding (but not using) an HSA? We do this, has added up nicely. Do not tax deduct medica...