Recent content by Lorenzo

The HDHPs I have been enrolled in through various employers all came with an HSA attached; it wasn't an option that I had to proactively pursue. Can't you call the plan administrator and simply ask if it qualifies?

Do you accept the offers of a year of identity theft monitoring protection? Although I, too, seemingly receive these notices every few months from various holders of my personal information, I have not taken any up on the offers. For a long time I paid for that service from Experian. Then...

Someone educate me on all the love for HSAs I see. As far as spending on healthcare is concerned, all an HSA saves me is the tax, right? So I put some pre-tax money into my HSA and use it to pay my out-of-pocket healthcare costs instead of using my after-tax money. For that to feel...

Thanks. Some complicated spreadsheets there. I'll look into it.

I have not done much in the way of making changes since introducing myself in this thread, but the one thing I have done so far is ditch my financial advisor. Now, I'm reading everything I can on this site and trying to absorb it all.

How does one go about estimating how much Roth conversion is large enough? Is there a rule of thumb? I think I'm in a similar situation as the OP, and the same question the OP asked has been on my mind.

Yeah. I posted a thread a few weeks ago to ask that very question--diversification across brokerage firms. One of my first questions after joining this site :). I have long held accounts at Schwab, but in view of the replies in that thread I decided that when I roll over my 401k it's going to...

I think traffic circles work best in places where there is a general culture of cooperation and the understanding of mutual benefit. Like some other traffic rules, traffic circles work well when every driver understands it is a give and take situation, where if we all obey the rules and take...

What is your baseline for "not safe"? I do not have recent firsthand experience, but the topic of whether the war in Gaza is affecting security as far away as Egypt has come up with some frequency in another forum I'm active on. Every report I have read by someone who has been there recently...

If a restaurant or other business wants to do this, they had better post a notice prominently, or I won't be able to pay them. I never carry cash anymore, since essentially every place takes electronic payment, and that is usually based on a credit card. I would be happy to use a debit card...

The only instances I have seen where someone received a "severance" package apart from a RIF situation was where the employee and employer had some sort of disagreement, in which the employer feared the employee would make the subject of the disagreement public (not so much a fear of a lawsuit...

Living in Delta's hub, I have long been beholden to them. They flew everywhere imaginable, and for many years I was able to earn decent status with them. This year, big changes in their FF program means I am no longer going to be able to earn any useful level of status. Even one or two...

As others have touched on, what is "fitness" as opposed to a physical recreational activity? I know gym memberships are usually considered fitness, because unless one is really into some particular aspect of it, we join gyms to maintain general fitness. But beyond that, I have long been...

You have mentioned university and graduate school several times. I get the impression you enjoyed that kind of experience. I can empathize. As a student, you have a schedule to follow, a place to go at a certain time, deadlines imposed on you, etc. I believe we humans desire that kind of...

This. Employees who choose to work for a startup are taking more of a risk than if they were to work for an established company. A startup that does not offer stock options and such sweet inducements may simply offer a higher salary. Whether higher salary or stock options, etc., there is...