Imperial Cleaning

100 Hook Ups Love and Miracles DNA Repair

I decided to try my luck with him.

Live Cam Models - Jetzt Online

Featured Listings

It would take many years before that ate through your savings from the 7. Anyhow, that just my two cents regarding what not to do with an HSA. Yes, it makes sense to put your tax-inefficient investments into your tax-advantaged accounts. My buddy Jim over at jlcollinsnh.

That looks pretty rough to me so you should maybe look into opening an HSA somewhere else instead. You may have to pay a fee to do so but if you plan on maxing it out every year for the foreseeable future, it may be worth it. You could also try talking to your HR department to find out why they picked such a terrible custodian and see if you can convince them to switch one with better options! I was in the same boat before retiring — maybe even the same bank!

What you want to do is find a good HSA account, and once a year you can withdraw the contributions from your employer-sponsored HSA and roll them over into the good one. The bank my employer chose UBM only offers high expense ratio, actively traded funds. Vanguard recommends a company called Health Savings Administrators because they exclusively offer Vanguard index funds.

Have you had any experience with this company? Few things to consider if you wish to retire abroad and have funds in HSA — a. Once you move out of US quit your job or transfer , employer may no longer pay account maintenance fees. HSA administrator might charge international transaction fee when using HSA debit card for medical expenses abroad c.

After 65, there might not be any US taxes on withdrawal of HSA funds for non-medical expenses, but the country where you live might tax you on the amount withdrawn from HSA. Would you declare that as earned income on your foreign tax return?

Sorry, just saw your reply today. I am getting ready to make changes to my HSA contribution and revisited this great post. Regarding item c , as you mentioned I might have to declare the withdrawal as earned income, but the tax rules might vary by country. So, it really depends on where I end up during retirement. Thanks to your blog, my wife and I have made two major changes in our investment approach — — front load and max-out k — max-out HSA. Thank you for your informative article and the clarifying replies to other readers.

My question is about the maximum that can be tax deferred in HSA accounts for a couple, both aged over 55, with one child still at home. If we were to enroll in a family policy for dad and child and then a separate policy for mom could each parent have their own HSA?

We file taxes MFJ if that matters. Surely the higher premiums and higher out-of-pocket expenses would outweigh the benefits of the additional HSA contributions? Considering your support for what you refer to as front loading this seems a bit counter to your usual tactics. Overall an interesting article, unfortunately my insurance disqualifies me from this plan.

If you pay with HSA money, you lower the amount you have growing tax free so it makes more sense to pay with normal money and leave that HSA money alone in most cases. Continuing down this train of thought, say you are currently maxing all tax advantaged space including HSA and Roths. How does this affect your view of spend vs save HSA qualified expenses? But from a medical expense perspective, would it not be better to keep the money in the HSA that way the investment earnings can also be used for medical expenses?

If converted to a Roth the earnings are not accessible without penalty until What am I missing? The HSA money would have to be growing in the account for quite some time to make the tradeoff worth it, right? OK Mad Fientist, a strange question. Is my plan HSA eligible or not? Commenting on the addendum. My company only offers an FSA not doing that.

I want to open up an HSA with Vanguard. I dont think they can automatically deduct the HSA funds from my paycheck, so I believe I would be contributed after-tax money into it. I would call Vanguard but its Sunday and they arent accepting calls and figured you might know.

Also, the same question comes to mine about getting the taxed money back on your yearly tax refund with contributing to the traditional IRA outside of the company offered K. Is it still worth it to open one up and contribute? Too broad a question without knowing specifics? What if the deductible is much higher than the standard plan? I currently use geha standard with a deductible of The hdhp is 3k. Worse yet, the out to pocket max is 12k for the hdhp while 5k for the standard. Premiums are about even between the plans.

It all depends on how much you spend on healthcare each year and whether you could cover the additional costs associated with the HDHP in particularly bad years. Decide which option will make you most comfortable and if that option comes with an HSA, great! I apologize if you addressed this in another comment but…Have you considered the impact of this account upon the death of the account holder and spouse?

If at death the account holder is anybody but the spouse the designated beneficiary or estate must include in gross income the fair market value of HSA assets at death. My intention is to take advantage of the triple tax benefit and use the money tax free for medical expenses, but I live a healthy, wealthy life so I never dip into it. My company just made a HSA an option for us this year. I am signing up because I read this article a while back and was wishing my employer had the option.

Thanks for this article. Even though the info did not resonate with me in the beginning, it quickly came back to memory after I saw that the HSA was now an option for us.

Had to come back for a re-read. Holy crap MF, this is an awesome post! Now I need to go look into the investment choices I will have with my new HSA in and find out how much I can contribute to max it out. I think my biggest concern would be with keeping track of my medical expenses if I want to withdraw the money well after the expense occurred but before age 65 when I could withdraw for any expense. I would definitely have to put a system in place to make that easier, since I am not particularly organized in this type of stuff.

Not meant as an excuse, not too hard to overcome, just something I would have to act on if I were to use the HSA in this way. I love the idea of paying for expenses out of pocket and letting the HSA money continue to grow though. We are perfectly positioned for this because we have a nice size emergency fund not to mention spending less than we earn each month to cover such things.

I created a paper file to keep all the paper receipts in chronological order, but I fully expect them to be faded and unreadable in a few years. These all get put in a folder on my computer and backed up to multiple locations. The files sort perfectly in the order in which you will likely reimburse yourself from your HSA account in the future. As you withdraw the funds from your HSA, move the corresponding receipts into a separate subfolder to indicate they have been reimbursed.

I was even thinking of adding the amount of the receipt to the PDF filename so I can quickly add them up. I guess a better option would be to put a master spreadsheet in the same folder and just add each receipt amount to the spreadsheet as I scan them. Do you keep the actual bill from the provider or your EOB explanation of benefits from insurance company?

Great post by the way…new to your blog but have really enjoyed everything I have read so far. Man does it feel good. I am trying to sell my long term girlfriend on the idea of FI. We have always lived below our means, saved way more than we spend, and this year I finally took the time to put together spreadsheets to show her how what we do now will change our lives both now and the indefinite future. She is finally on board, and last month opened her first Vanguard account.

This is her number one concern, and I would love to appease her worries with any insight you might be able to provide. As far as health insurance is concerned, I think the Affordable Care Act is great for future early retirees. If for some reason that gets repealed, you could always just work part-time for health insurance or you could move to somewhere that offers free or cheaper healthcare. I just changed to the high deductible plan at work and the HSA that goes along with it. My question is, does it make any sense to contribute to an HSA with the strategy above in mind if I am not already maxing out my k and IRA?

Do you have any sort of employer k match? MadFientist, thanks for getting back to me. Yes , I am contributing to the k up to and a little over the match. I know this is an older post but just wanted to say thanks for pointing this out!

We took advantage of this in the fall and are now starting our first year with a high-deductible plan. Nice job on the blog btw. I was at the jlcollinsnh meetup this weekend in LA and Jim had lots of great things to say about the Mad Fientist. HSAs have zero asset protection in many states in the event of bankruptcy or judgment.

All true retirement accounts fall under federal law and are fully exempt. Do you have any type of information you could point the readers of this site to, to learn more about our state-specific laws regarding HSA protection.

I was mistaken regarding federal asset protection of retirement accounts. Many states, including the one I live in, do not exempt any amount for HSAs. For example, a really bad car accident involving a lot of people.

I want that balance to be growing, not shrinking! I visit the doctor very little and can easily cover the yearly deductible if I ever needed to.

Tiffany, My daughter will be in the same situation as you in 4 months. Would it cost your mom any more to keep you on her plan? Tiffany, you should just run the numbers and see which option you prefer.

Hello Mad Fientist, Thank you for all your insight. As background, I work for a university and fully fund my pre-tax retirement accounts. Our coverage year is July 1 — June 30 so I can make changes in a few months.

I have two young children and hope to have one more in the upcoming coverage year. None of us have chronic health problems but of course the delivery of a baby will use our entire deductible.

Am I missing something?? Thanks in advance for your time. I have been really inspired by your blog. Found you through MMM. This might be beneficial to those who have been maxing this account out, in a family plan, for many years. My wife used to have one but she has since quit her job but for many years we maxed this out. But you can, once in your lifetime roll a trad. Look up the rules.

Am I wrong to think that in this case the HSA only has a marginal benefit over an IRA, namely the social security exclusion while being somewhat more limited in with the higher age for withdrawal. The benefits of saving the HSA funds instead of using them for current medical expenses is what seems marginal if one is unable to fully fund other retirement sources such as k and IRA but perhaps you can enlighten me further in my situation.

If paying for the medical expenses with your taxable account money would prevent you from maxing out some of your other tax-advantaged accounts, then yes, it makes more sense to use the HSA funds to pay for your medical expenses.

If we are talking about early retirement here, i think it is important to note this strategy works much better if one has higher medical expenditures. I agree it is great at reducing FICA taxes, but this strategy seems to be less effective than some of your others that actually help us achieve FI earlier.

A lot of your posts are filled with great strategies for early FI via ladders or maxing out tax deferred account. I just thought it might be worth clarifying that when you look at which accounts are available for access during early FI….

Hi Mad Fientist, Are you saying that if we have medical expenses now that we should pay the expence from our bank account or credit card and let the money grow tax free in the HSA account. My question is if we pay for the expenses now then its paid..

Why do we have to keep the medical bills for later date? Is this to get money out from HSA account or for tax purposes? Just wanted to say thank you.. I was wondering if you could help me understand if an HSA would be beneficial for me. I have an abnormal medical condition that requires me at minimum to see a specialist once a year and a surgeon once a year, as well as at least one CT scan and a few other tests.

I can almost guarantee that I will hit my maximum or at least come close every year, would an HSA still be beneficial? It looks like the HSA option has a lower out-of-pocket maximum so assuming you hit the max every year, it seems like the HSA option would be the best choice. Would also need to know what the premiums are before making a call on this. If the premiums are the same, then I would suggest not using the HSA plan. I am thinking that the HSA plan premiums are probably cheaper though.

Has anyone else run into this? That would be pretty ridiculous if that was true. Let me know what they say! It is my understanding that once your deductible is reached, you can start to use FSA funds to pay for medical expenses. I used to do this at my former employer to pay for glasses and such after I reached my deductible on the medical plan. So you could sign up for the HDHP and still use both accounts to fund expenses if you wanted to, but you would have to know beforehand that you are going to definitely reach the deductible.

I have saved all my healthcare receipts, and now 8 years have passed. Does that sum it up correctly? Save tax-free money in an hsa now. Pay medical expenses out of pocket now. Let the money grow tax-free. Come back later and withdraw the value of those expenses tax-free. It is great to see the IRS explicitly state that reimbursements can be deferred to future tax years. Meanwhile you will have an additional tax advantaged savings vehicle.

You would need to pay for your own dental and x-ray check ups so your total expenses in a regular year might be a little bit higher. In addition you have the potential to invest the HSA funds in the stock market aware of the risk to increase gain. The contribution limits may make them seem like small potatoes, but if you have dependents, the limits increase. Many of my married coworkers have managed to build up 6 figure principles in well under 10 years — not bad for never paying any taxes… ever.

So I can pay for expenses with pre-tax money, but any extra money at the end of the year is lost. Also, if you leave your company before year-end, you could spend your whole annual FSA and only contribute through the months you worked. How can it work that way?? With an fsa, you can spend your entire annually elected amount on day 1 of the year. Payments are pro-rated through the year.

They still come out ahead because of all the people who lose unused portions of FSA at year end. Through payroll deductions, you reimburse your company in the following year. The FSA benefit administrator, or your employer?

This is a really useful article. On the other hand, I am thinking not going into HSA because I am thinking to have a baby in a year or two.

Do you think I still should go after HSA? Having a baby in a year or two is more reason to use the HSA this year, because all of it will roll over.

Although with Obamacare, that is no longer a nasty reality for most people. We are getting ready to make the leap from working to being FI at 48…. My are your thoughts on health insurance. What did you end up choosing? And, would you mind sharing the cost? The business is my families only source of income. We run myself through W-2 and have zero employees.

From my understanding, we can set up our healthcare under our personal names Need over 2 EE in CA to run through business. We make payments toward the HSA from the business. I believe we are still taxed on ordinary income portion for the employee W Have a no deductible family plan and no HSA. Pass through for taxes. I appreciate any feedback. Hopefully, this is not too confusing.

May be appropriate to have an ice cold beer while you read this: Sounds like you need to setup a cash flow model and make some assumptions about your medical costs. Your considerations are not only tax and retirement growth, but business tax and actuarial. Really good article, thanks TMF. I automatically get my health insurance covered, and unfortunately: We are supposed to get travel insurance for that time.

Is it likely that somehow this window will be sufficient justification to allow us to get an HSA? Married couple, 1 child. Both have access to a HSA. Thank you MadFientist for another great article. Yes the HSA is a smart way to save for retirement, and is one more tool of financial flexibility. My husband and I started contributing to an HSA this past year and it has been a great benefit. But, I am a little concerned we may be doing something wrong?

We were able to sign up and contribute to one through Select Account online though. So, we are contributing to it with our after tax dollars. Does all this information still apply?

You lose most of the benefit by contributing with after tax dollars. You would get tax deferred growth but you would miss out on the huge benefit of not taxed going in, tax deferred growth and no tax going out.

You get no health insurance benefit till you use up your deductible up front, on an approved plan. Depends on the premium of the other health plan. Also consider that you can take the HSA with you. So if later on you change jobs and get a job that only offers HMO plan you can still use the HSA money to pay deductibles and co-pays. Going to do that asap. My HSA provider advertises low cost index funds at an average of 0. Basically, what happens is that all the healthy employees see the advantages of an HSA, so they all opt for the HSA plan and shift money away from the traditional plan.

Meanwhile the unhealthy employees or the ones who file the most claims stick with the traditional plan because of its lower co-pays and other benefits over an HSA.

So now the traditional plan has even less money than it did before because all the healthy employees opted out of it , but it has higher claims as a proportion of the deductions it is getting from employee paychecks.

So the company has to increase the rates to offset the losses. Eventually the traditional plan can no longer sustain itself, and the employees who are most in need of coverage can no longer afford the rates or the lowered benefits. We do use the HSA to pay for medical items, the long term affects of this are probably something similar to a larger fee associated with the account. Like my K, I hope to keep this as hands off as possible until Hope the trip is treating you well!

Is anybody concerned that trying to pull money out lets say 20 years from now with 20 year old receipts could be risky? Like what it to stop the government to challenge your receipts and your medical provider at that point has no record and you are left unable to pull the money out tax free. Inversely, what is to stop somebody other than the risk of jail time from magically pulling a 10K medical receipt from 20 years ago from a hospital that was since shutdown?

Or you simply lose that box of receipts. Or the government changes the rules. Personally I say spend it now and get the tax break sooner is better than later. The obvious answer to your first point is not to keep it in a shoebox.

What if the US went to a consumption tax? Who knows what will happen? For this reason, I think the best overall strategy is tax diversification. I assume we can roll it over to somewhere else which will save some annoying monthly fees we pay now to my employer provided account.

I also wonder what the rules are if you no longer have a High deductible plan. Mrs, Pie, You are correct: It can, for instance, even be used for Medicare expenses, when the time comes. If you have been paying for medical expenses out-of-pocket for years, then you have a tax free source of income for any current purpose—you just need to make sure you can prove your prior costs.

Still better than the active funds, but money left on the table for any long-term strategy. Thanks for taking the time to respond Matt. I need to read around roll overs while in service also. However, I think that this may be complicated by the fact that My HSA contribution is from payroll, and that my company also contributes to it.

Being able to avoid FICA taxes may outweigh any benefit from lower fees. I have a crappy administrator through work wells fargo their funds are overpriced. You could also do a rollover where the funds come to you first, but your limited to one of those a year.

For k s, this is at the discretion of the plan: The plan also cannot pay you anything until the deductible is reached.. The payment is discounted amount the insurance co has contracted to pay your doctor, until your deductible is met. If you use an out-of-network physician, you are responsible for the total amount charged. Don, What you say is true; I meant high-deductible as a shortcut, but all of those qualifications apply.

What to look for is a statement that they are HSA-compatible. FSA is a use it or lose it. An HSA you can keep forever. Make sure you only put as much money into an FSA that you can certainly use that year.

That said, having an unused balance is a waste you could still come out ahead due to the tax benefit depending on your tax rate. Also, FSA balance is accrued on day 1. You can spend the entire yearly amount on Jan 1. Anybody know the answer for the following scenario? Assume that my HSA currently has available to reimburse, there is an out of pocket expense of Can I wait until the HSA has enough fund to reimburse the or am I limited to reimburse only for that expense?

You ask the hospital to put you on a payment plan. Usually they will do this interest free to be paid over the course of a year. Then you pay the payment plan from the HSA. But cleaner to go with the payment plan. I understand you can wait as long as you want to reimburse yourself for back bills that qualify, even if your not now in an HSA. Brandon, Have you ever estimated the actual overall tax savings from using a HSA? At some point I would expect with a high enough medical utilization, the non-HSA plan may be a better deal.

Curious about your thoughts. We use Saturna Capital. We deposit the full HSA contribution and make one buy purchase per year… easy and cheap: Are Vanguard funds available through the brokerage option? If not what are the fees of the index type options offered? I think you have to have a certain income to make this work. I have seen this offered at the last two workplaces I was at and human resources basically told me that I did not make enough money to make this feasible.

They had an hsa it saved them from If your self employed you can combine an hsa and an hra. You can pay for wellness and dental from hra before the IRS minimum and use the hsa for medical up to the minimum deductible Defined by IRS and everything after with the hra.

And it more than covered all of my health care costs. Also note that if you ever go without employer coverage you can use your hsa for paying premiums or cobra. I wish I had known this years ago! I had read something on MMM first, and then researched more here and elsewhere. Several pages later not easy to find at all without knowing what to look for , I found the UMB investment info.

I lost a lot of potential growth, but better late than never. It even has better investment fund choices than my k. I do think these accounts are helpful if you have low medical expenses. I feel much better about having several years worth of deductibles set aside.

One note, the contributions are exempt from federal income tax, but some states may still count them as taxable. Hi Brandon, Nice meeting you at the SF meetup last month! Would appreciate any insights on this, as I may have missed something out there. Already do some of the things you do. Wish I had found you sooner.

Hope to join you soon. Even have my kids lookin inti it. Hi , I have an active HSA account since I am planning to contribute more in so that my HSA balance is Having read this article several times in the year. Your graphic revisions have gotten clearer and clearer. Adding a lot to the text.

One health plan uses HealthEquity. I do a fair amount of active trading besides indexing. Am I missing anything in the comparison? Thank you again for bringing HSA investment to my attention a few years ago!

If you make a large withdrawal, and claim it for medical expenses, you are essentially inviting an IRS audit. If you have receipts and IRS like them — great. How many receipts will you have accumulated over your lifetime? Are you that organized? How will you even copy them and send to IRS if need be? How will it all work in practice? And once IRS starts auditing you, for this many years, who knows what else they may find and how much this will cost you.

My only problem with HSA is that I have never seen anyone talk about this aspect of it. Just filed my taxes and ran into an issue with my HSA.

My company does not offer payroll deduction contributions to an HSA administrator. I was only enrolled in it for 11 months. After figuring this out via doing my taxes, my wife found the IRS publication that did spell this out. Ben, I would caution not using your HSA for medical expenses right away for it can be a slippery slope. With the ever changing landscapes of healthcare and national debt, nothing is stopping the government from altering when you can pull out HSA funds for medical expenses in the future.

I think the calculation is accurate if you have no more money that you can invest. I did not re-run your numbers, but the math in the article assumes that you always make the full HSA contribution each year, and pay for medical expenses out of money that you would have put into a taxable account or used to buy beer.

In this scenario where there is no additional money available, the best option is to make an HSA withdrawal as you computed. Assuming that other money is available, the pay now and reimburse later math works out. Hello Brandon, Great article, very interesting. Are there different kinds of HSA accounts which have time limits? An HSA allows the money to be carried over forever. Thanks for the article.

Am I understanding this correctly? This is my first year to have an HSA account, and I am also expecting some large medical expenses this year, so I want to make sure I have it right.

Notably, that most of the tax advantages go away once the account owner dies with some ambiguity if the beneficiary is the spouse. Hence, from an estate planning perspective, an HSA has no more value to a non-spouse beneficiary than an equal amount of taxable income, and much less value than an equal amount of cash.

Therefore an HSA holder should carefully balance the desire to leave HSA funds un-reimbursed in order to compound tax-free, versus leaving behind substantial HSA balances being inherited with significant undistributed tax-free amounts. Even for a spouse HSA beneficiary, it is unclear whether the surviving spouse who becomes the HSA holder may distribute the undistributed expenses of the decedent.

Withdraw from HSA money for eligible medical expenses 3. My husband and I both work and have 1 kid. Both our jobs offer health insurance. However, our child and I, are enrolled in my husband health insurance. BTW, no option to subscribe to comments? What if someone has a question, how will they ever know if someone replies to them?

Surely you cannot expect someone to periodically check back on this post for replies. Is this a wise choice, or is it better to stick with the k? Instead, only deductibles and out-of-pocket expenses for services within the network should be used to figure whether the limit applies. Family HDHP coverage is an HDHP covering an eligible individual and at least one other individual whether or not that individual is an eligible individual.

Any thoughts on finding an independent provider of HSA with Vanguard as an investing option? Why not 64 or 66 or another age? I would like to check my understanding of some concepts: So money in the HSA just sits in there like a bank? You have to elect to invest that into an investment account for growth correct?

I selected TD Ameritrade. I recently switched jobs. Can I re-contribute to my HSA account at the new job mid-year? Are there any IRS complications?

You can, but you need to make sure that the combined contributions between the two do not exceed the annual limit. They will not be aware of each other, so ensuring compliance is entirely on you. You are allowed to make withdrawals for excess contributions without penalty up until tax deadline in case you make a mistake, same for prior-year contributions. Interesting find from my previous employer that may be relevant to the article: Could be extremely useful for parents with kids going through orthodontia.

The HSA that I established in is still there and open, but I only contributed to it the very first two years. But what about medical expenses that were incurred after you stoped contributing to the HSA? IRS wording seems to be vague and does not address this. Yes, you can reimburse yourself for a medical expense that occurred anytime after the HSA was established, even if you are no longer eligible for or have a HDHP.

I had an FSA last year. I scan and keep all receipts in a special folder in my Google Drive, plus keep a record of health expenses and reimbursements in an Excel Spreadsheet. Here is my analysis:. Then I also get the benefit of the HSA growing over the years. So even in the case where the HDHP deductible is reached every year, is still seems like a good idea to go this route.

Am I missing something? Was just informed my company is offering a HDHP next year and immediately fired up this page! To say that I am stoked would be an understatement: Looks like I am littering your blog — My employer gives me free health insurance.

And he has been contributing to the HSA, and we have not withdrawn anything so far. In five years, we are going to leave both our jobs, and will have the same insurance. After reading your article, I feel like such a moron. I did not contribute to HSA in the last 1 year. Now I have to wait another 6 months to get onboard the HSA train. While it ensures tax free growth, you might want to actually use it to pay for any medical expenses.

So now when I do have a medical expense, I use it as a reason to effectively transfer money from an HSA to a roth or brokerage. Can I use the supplement premium also? If I were concerned about keeping receipts over many years, it seems I could withdraw money from the HSA to cover medical expenses, but then put that money in a Roth. I preserve the original tax exemption, but put it in a future tax exemption investment account without having to use it later for a medical expense.

I was fortunate enough to have a company that offered this in It has been an awesome strategy for my family. Does anyone know a good bank to place the HSA with no maintenance or service fees that also has Vanguard investment options?

Her employer also offers an HSA. However, the premiums are the exact same for the two health insurance plans, so I am hesitant to choose the high deductible plan. Steve, What is the advantage of this conversion?

Is it possible to have a high-deducible health insurance plan for HSA purposes only and be covered under another health insurance plan that does not have a high deductible? It is not a high-deductible plan. I do have access to high-deductible health plans at my employer. Can I sign up for the cheapest of these just to be eligible for an HSA, while still keeping my insurance coverage through my husband?

I would in essence be paying a monthly fee for a health plan I do not use to get the HSA. We quit our jobs this year and got a healthcare. Thanks for the interesting post — I love my HSA. I have been struggling to find an HSA administrator that has reasonable fees for an investment account. Your email address will not be published. Join over 81, others on the Mad Fientist email list to get access to exclusive content and software!

So what is it? Why is it a super IRA? Tax-Free-Contribution Accounts These are the most common retirement accounts e. Your contributions to these accounts are pre-tax contributions. The money in these accounts is able to grow tax free. Taxation on Traditional Retirement Accounts. Taxation on Roth Retirement Accounts. Taxation on Health Savings Accounts.

To keep track of how much of your HSA can be withdrawn immediately, click here to download a free copy of the spreadsheet I used on my own journey to financial independence!

Maximize the Benefits of a Health Savings Account. Looking for a new adventure. He 27 sporty guy 23cm , She Miracle Massage review and recommendation, by Mary-Anne As you know, EveryBody is different and that means results differ for each individual. Couples seeking Couples Posted By: February 25, Joburg. Not sure if swapping is for you?

Unsure how you'll react seeing another couple playing in fro June 10, Cape Town. Make me ur nawty gal wu lyks 2 b playd wit.. February 24, Joburg. Female seeking Sugardaddy Posted By: February 29, Durban. I am a sweet loving 19 year old white female. Black hair and blue eyes. Seeking preferably white daddy over Someone who is cut or no bare blows. Adult Services Offered Posted By: May 27, Cape Town.

Sugar and spice all thing NYC Private safe and clean apartment mowbray. Secure parking Mon May 15, SomersetWest. We available to travel to you and fuck while you watch.

Super hot 30 white girl and well built 32 year old guy. July 28, Joburg. July 17, Cape Town. I'm a white male in my late 30's, I'm a Director of a National company, I'm looking for a sugar baby that can host, this is non negotiable.

In return i will ma March 5, Alberton. Young black couple seeks an open-minded bi white guy around alberton for some fun. I am a Man seeking a Man Posted By: June 21, Pinetown. Hi Slender, endowed and attractive individual here. Keen on meeting a macho, independent white oke. Not too hung over age as long as yo August 30, Joburg.

Obviously I don't say yes to everything but if you don't ask, the answer is always no so ask, worst I can do is say no Bella Phone calls and WhatsApp messag Accommodation Offered Posted By: April 17, Cape Town.

I'm looking for someone who might like a room in a lovely furnished house. Ladies only please — tell me a bit about yourself and include a pic. March 21, Cape Town. Masters looking for submissives or slaves Posted By: June 2, Cape Town.

This is a short intro of our first session — intro might be short but session wont be — i have respect for a sub as ive been a sub myself when much younger and June 23, Port Elizabeth. European tourist will be in the country in July.

I would like to experience an African woman. May 8, Cape Town. Any Bros around , that into a discreet friendship? Between the ages , I prefer hanging with versatile or top guys , who don't sound like women when they Jobs Wanted Posted By: June 27, Cape Town. I'm bw aged 24,I'm looking for a cleaning job ,my asking price is per day,and extras for negotiation ,I'm not sending nude pics so don't bother asking beca Male Services Posted By: March 26, Cape Town.

Older Younger Hookups Posted By: Hi I'm looking 4any age any race lonely women that likes 2watch porn with me and loves 4play only I'm white male 35 I'm a pro DJ if u like 2no more drop me an e Welcome to the Cumtree, South Africa's premier adult portal for free adult dating and sex hookups, women seeking men, women looking for sex, adult personals and free sex ads for those looking to hookup and get satisfied.

There are scammers out there so please be careful! Users use our site at their own risk. If the ads in the category are not updating ie last ad shown was 1 August please clear your browser cookies and cache Google it if you don't know how.

If the ads in the category are not updating please clear your browser cookies and cache Google it if you don't know how.

South Africa's largest free adult classifieds site Horny? Post an Ad Get Satisfied. Amazing Free Dating Sites. Just Listed Most Popular Random. Polls Are you having trouble accessing the Cumtree site? Yes No View Results. Users Online 59 Users Online.

HSAs are Super IRAs

Share this: