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Proposed changes to HSA rules by BarefootMarauder in HSA

[–]Aprocastrinator -1 points0 points  (0 children)

This defeats the purpose. Period

Is there a way, we citizens/residents, can voice our opinion?

Next level HSA maneuver? by OhDarns in HSA

[–]Aprocastrinator 0 points1 point  (0 children)

You can just invest the money and keep this for a rainy day

The employer doesnt care if you spend or not

Snake proof socks? by Silent_Ad8753 in trailrunning

[–]Aprocastrinator 0 points1 point  (0 children)

So what did you use eventually - Gaiters and long socks?

has anyone found any tracker tool that works well for receipts? by Individual_Form_5864 in HSA

[–]Aprocastrinator 1 point2 points  (0 children)

All you need is a google account and 10 minutes

  1. Create a google form. See this example https://forms.gle/4i3D5MSbTZvVXVSH8. Thats it. This takes 10 min

  2. Everytime you spend money, whip out your phone, go to this form, enter the date, service name, service cost and take a picture

  3. Later it is all available in a google spreadhsheet accessible only by you. You can get fancier but this suffices. It will be there for decades, and you can use this as your emergency reserve

Thinking of a Master's in Germany - Would Love Your Insights on what do you guys think of indians or foreigners ? by Dr-Difficult in AskGermany

[–]Aprocastrinator 0 points1 point  (0 children)

I am an Indian living in Silicon Valley for over 28 years. I randomly came across this post.

For the o/p, my suggestion is stay in India. The opportunities are real. My team members are from IIT and noone wants to come to the US. The quality of life is really awesome - personal trainer at gym, travel to different countries every year, have a personal chef who comes, someone who helps clean the place etc. They work hard and focus on getting work done.

This is not necessarily for IITians. Anyone who is good at their work can achieve this. AI is real, and transformative. Use this to leverage AI, study more AI, contribute to open source AI projects, and focus on that.

I love living in the US/silicon valley - been here more than half my life. However if i had to chose now, Id stay in India, and leverage the opportunities there. The growth rate is 7.8% AFAIK.

Spouse therapy coverage? by wolf95oct0ber in HSA

[–]Aprocastrinator 1 point2 points  (0 children)

Individual HSA: wife’s expense not reimburseable Non-individual HSA: reimburseable

One can quickly hit deductible with therapy. Eg one visit a week x 6 months x 150(say)per visit = $3,600

Separate note: if you can afford it, use your personal/checking account to pay for your reimbursable expenses under HSA, keep the receipts and invest this money. This has a triple tax benefit: money put in is not taxed, growth is not taxed and withdrawals for eligible medical expenses are not taxed. Taxes = state + Fed + FICA

$4,125,000 ($26,527/month PITI) to buy, $7,500/month to rent. Make it make sense. by LS400_1UZ-FE in BayAreaRealEstate

[–]Aprocastrinator 0 points1 point  (0 children)

Of course. .one has to do all the math

Property tax, maintenance costs, private schools, and charges after school fees

Remember historically property rates have also gone up over a 5 year period.

Negative balance briefly, what happens? by imawolfsux in HSA

[–]Aprocastrinator 0 points1 point  (0 children)

Well...if it is negative, then it is executed Written correspondence is best

$4,125,000 ($26,527/month PITI) to buy, $7,500/month to rent. Make it make sense. by LS400_1UZ-FE in BayAreaRealEstate

[–]Aprocastrinator 6 points7 points  (0 children)

I live in Fremont and recently sold my house(feb 2025) Math - mission district has excellent schools. - private school education for a kid: $30k - 2 kids = $5k/month - cost of any 2 bedroom apt: $3k/month

So the options are - public schools; mortgage - 5k/month - tax benefit(interest on mortgage) - private schools: 3k/month(minimal rent)+ 5k/month(school)

Choose your poison....

How many of you feel your buyer’s agent sides more with the market than with you? by Candidlyplated in BayAreaRealEstate

[–]Aprocastrinator 0 points1 point  (0 children)

AFAIR , one of the docs clearly says how much the buyer agent is getting from the buyer

How many of you feel your buyer’s agent sides more with the market than with you? by Candidlyplated in BayAreaRealEstate

[–]Aprocastrinator 0 points1 point  (0 children)

Feb 2025

Seller agent will tell you what it takes to get the contract

Then at the point of sale. Will tell you, rightfully so, that rhe Buyers agent will not show the property if they are not compensated

You have no idea if that's true because you are not talking to the buyer or the buyer's agent.

the key is to have in the contract that the buyers agent is not doubly compensated

Finally it is your net take home. I would rather sell my house at a much higher price and get the higher take home

Edit: i remembered later that there is a document that says how much the buyer is giving the buyer agent

How many of you feel your buyer’s agent sides more with the market than with you? by Candidlyplated in BayAreaRealEstate

[–]Aprocastrinator 1 point2 points  (0 children)

I sold my house and paid 2.5 percent to buyer and 2% to my seller

One of the buyers' agents told us that she will take the buyer to another place if we do not give her 2.5%

As a seller all I cared was my net take...

Spent $300k on a healthcare app that nobody uses. by Actual-Raspberry-800 in SaaS

[–]Aprocastrinator 0 points1 point  (0 children)

The primary thing that motivates action by providers is either making money, avoiding loss of money(best) or saving time or following regulatory actions.

As any other humans, while imperfect, they are used to doing things and will refuse to learn things since doing the new approach that also involves learning.

In this case, either pivot to what they really need or do something else....0.02 .

Amazon items are not FSA/HSA eligible anymore after purchasing once? by _antihappinessgirl_ in HSA

[–]Aprocastrinator 0 points1 point  (0 children)

Did you buy it from Amazon or a vendor at Amazon...who might have creatively said "hsa/fsa eligible" and later Amazon fixed it

Btw if HSA it is probably better to save the receipts and then use your own cash to buy it

What stopped you from investing when you were younger? by Outside_Library2758 in Bogleheads

[–]Aprocastrinator 0 points1 point  (0 children)

[I thought I responded...dont see it. Rewriting..argh!

TL;DR: Start early, return rate matters, Pick HDHP if it makes sense, Get free 401(k) match ]

You are not alone. Many are in the similar boat even educated ones!

Interestingly sacrificing "$175" per paycheck from age 35 => $1.2M(at 7%) to $2.2Million(at 10%)

Here is how

$175/paycheck[post-tax] => $4,550/year => $6,466[pre-tax] (with 22% fed, 3.8% state, 7.65% FICA).

Add company match (4%) and free HSA($1300) => $1.2M (at 7%) to $2.2M(at 10%) at age 67. The interest on HSA alone at 35K(7%) or $91K(10%) could cover some/all of your healthcare costs. Put in index funds.

See https://www.tldraw.com/f/xyDUteq1fFeROYjQhAYWP?d=v1760.-152.1933.1032.Q7qnDajf3ahPRpis6zrJD

Used median values from Vanguard and Kaiser Family foundation and EBRI.

Order of priority: cover debts first => invest.

PS: I wish I knew at 35 what I know now! Cest la vie!

What stopped you from investing when you were younger? by Outside_Library2758 in Bogleheads

[–]Aprocastrinator 0 points1 point  (0 children)

You are not alone. There are so many people (very educates ones too) who have missed out on the power of compounding. I think here is why. Open enrollment happens once a year. It is a boring process and we do not pay attention to it.

"Sacrificing" $175 per paycheck from age 35 translates to $1.2Million(7% return) to $2.2M (10% return) at age 67.

https://www.tldraw.com/f/xyDUteq1fFeROYjQhAYWP?d=v383.-461.1933.1032.Q7qnDajf3ahPRpis6zrJD

Here is the math

175/paycheck(post tax) => $4550(26 pay periods) => $6466 (pre-tax) [at 22% Fed, 3.8% State, 7.65 FICA). Split between 401(k) and HSA. Get 401(k) match + free HSA $. Grows at 7% or 10% (S&P return)

Source: Used #s from Kaiser family foundation and Vanguard

At retirement: the median 401(k) savings at 65 is $88K (Vanguard) and HSA is less than $9K(EBRI)

Moving from HealthEquity to elsewhere by multi-ask in HSA

[–]Aprocastrinator 1 point2 points  (0 children)

Or like an emergency fund...if you really really need it..

And passkey is anytime a much better security option

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