Things People Don't Take Advantage Of

[steve dave]

the hsa one seems stupid unless you are really sickly.  i dunno, i just can't imagine spending more than a couple of bucks on health at my age.  maybe i don't understand well what happens to the money if you don't use it though.  i should probably check.

You keep it forever and can take it out as cash after age 65 if you don't use it.

[sys]

You keep it forever and can take it out as cash after age 65 if you don't use it.

with interest?  i didn't look at the thing closely, but i would have noticed if there were investment options.  i'll definitely look at it again.

[Dugout DickStone]

You keep it forever and can take it out as cash after age 65 if you don't use it.

with interest?  i didn't look at the thing closely, but i would have noticed if there were investment options.  i'll definitely look at it again.

Hell no.  HSAs are for sickies and people who constantly are sick.  We laugh at people who load up their HSAs.  Take that money and make some money with it instead of worrying about when you have to go to the doctor 10 times a year because you have shitty genes.

[sys]

checked, the thing available to me currently is an fsa, not an hsa.  i think i could change to an insurer with an hsa next year, will have to look at it then.

[Dugout DickStone]

PS, HSAs get small interest but its so small that anyone who knows money can crush it.

[sys]

PS, HSAs get small interest but its so small that anyone who knows money can crush it.

you're a strange person, limestone.

[Dugout DickStone]

PS, HSAs get small interest but its so small that anyone who knows money can crush it.

you're a strange person, limestone.

You are hurt that I called you a weirdo.  I get it and this was your response.  :patshead:

[sys]

You are hurt that I called you a weirdo.

i labeled you as strange because you seem determined to get a response out of me tonight.

[hemmy]

PS, HSAs get small interest but its so small that anyone who knows money can crush it.

You can invest your money in an HSA, dumb dumb. Also, HSA's are for complete opposite of what you said. They are good for people with little to no medical expenses.

[Dugout DickStone]

You are hurt that I called you a weirdo.

i labeled you as strange because you seem determined to get a response out of me tonight.

I didn't mean to make you upset.  relax, you have to be up in a few hours to be weird.

[steve dave]

checked, the thing available to me currently is an fsa, not an hsa.  i think i could change to an insurer with an hsa next year, will have to look at it then.

Yeah, FSAs are only good for guaranteed sunk medical bills because the money doesn't roll over every year and I think any interest they would get is just a fixed rate. An HSA is essentially a 401k with the ability to pay medical bills from it tax free until you retire and then you can draw on it however you want.

[AppleJack]

Oatmeal. Oatmeal.

[kitten_mittons]

You keep it forever and can take it out as cash after age 65 if you don't use it.

with interest?  i didn't look at the thing closely, but i would have noticed if there were investment options.  i'll definitely look at it again.

Hell no.  HSAs are for sickies and people who constantly are sick.  We laugh at people who load up their HSAs.  Take that money and make some money with it instead of worrying about when you have to go to the doctor 10 times a year because you have shitty genes.

This is about your employer giving you a bunch of money in it for free. Putting money into a  hsa isn't "taking advantage" of anything.

[Willesgirl]

the hsa one seems stupid unless you are really sickly.  i dunno, i just can't imagine spending more than a couple of bucks on health at my age.  maybe i don't understand well what happens to the money if you don't use it though.  i should probably check.

Money put into an HSA rolls over. So you don't have to use it in one year. But if you start putting money there now, when you're old enough that you need healthcare, you'll have money saved up for it.

[chum1]

HSAs vary depending on your employer.  Each has their own list of allowable expenses.  And each contribute to your account (or not) in their own way.

[bubbles4ksu]

Oatmeal. Oatmeal.

lately i eat yogurt for breakfast, but have been considering moving back to oatmeal. this has convinced me. thanks, aj!

[chum1]

I'll expand on the point made for baby clothes:  End of season sales.  Last spring, I got a coat and jacket from Dillards that retail for around $550 combined for $70.

[steve dave]

I'll expand on the point made for baby clothes:  End of season sales.  Last spring, I got a coat and jacket from Dillards that retail for around $550 combined for $70.

I suck at this. when I'm excited to wear shorts I cannot become motivated to buy coats/gloves/etc. I do only buy shirts during the BB semi-annual sale though.

[ChiComCat]

I'll expand on the point made for baby clothes:  End of season sales.  Last spring, I got a coat and jacket from Dillards that retail for around $550 combined for $70.

I suck at this. when I'm excited to wear shorts I cannot become motivated to buy coats/gloves/etc. I do only buy shirts during the BB semi-annual sale though.

My GF used to work at a Old Navy.  She got 50% off all Gap/Old Navy and most importantly, Banana Republic.  Those were great days for ol' ChiCat, let me tell you

[chum1]

Yeah, buying out of season is weird becase you don't get to wear your awesome new stuff for six months.  Last fall, I saw a huge rack of shorts at Dillards.  They were marked down to $10-$12 a piece.  I had three pairs in my hand and the manager comes up and says, "You like those?  I'll sell them to uou for $5 each." So, I grabbed a couple more and had all these new shorts that fit me great and were like $40-$50 retail, but of course it was going to be a while before they did me any good.

[Cartierfor3]

If you have kids you should have a FSA or a HSA. If single then probably not.

[hemmy]

If you have kids you should have a FSA or a HSA. If single then probably not.

Yeah thats wrong....

[Cartierfor3]

If you have kids you should have a FSA or a HSA. If single then probably not.

Yeah thats wrong....

which part? i have kids so i only focus on the first part. kids go to the doctor frequently enough that even if you're just setting $50 aside each month to cover the copays you're better off for it.

[Rams]

if you're paying full price for directv you're doing it wrong.  also if you have receivers that are over a year old you're doing it wrong.

[FP TC etc.]

if you're paying full price for directv you're doing it wrong.  also if you have receivers that are over a year old you're doing it wrong.

I've been thinking about switching to directv. Tips?