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Wednesday, December 22, 2010


You mentioned a commercial restriction on the unlimited plans. How does tha affect you with the goggle ads and other income producing vetures of you site?

Howard, A question about HSA's... we retire in March so I assume we can set up our own HSA but can we pay our health insurance premiums out of it or just medical services?

The commercial restrictions are on the unlimited plans through Sprint. There isn't anything listed about that on the 5G and 20G plans through Verizon.

But as far as the unlimited plans go, it seems with the high 50G threshhold, and the following statement from their site, that the commercial restrictions are more about the level of usage rather than about income producing activities.

"Please note this service is for personal and family use and not to be used for commercial purposes (such as setting up a public WiFi or transmitting to multi-dwelling units) or use on high usage servers or for other extraordinary circumstances."

According to Publication 969, health insurance premiums CANNOT be treated as qualified medical expenses UNLESS they are 1) for long-term care insurance (with some restrictions), 2) for health care continuation coverage (such as COBRA), 3) for health care coverage while receiving federal or state unemployment, or 4) for Medicare or other health coverage IF you were over 65 (not including premiums for Medicare supplements or Medigap).

So, basically, "No" except for the above exceptions. :)

Very interesting! I'll be watching to see about your experience with Millenicom if you switch over.

Please, folks, seek the help of a professional when trying to make informed decisions regarding your retirement and healthcare options. Everyone who is full-timing or considering full timing should have 3 trusted professionals on their 'team': a financial advisor, a CPA and a trust/estate attorney AND they should be working together towards YOUR financial well being. Howard, I know you mean well and are trying to keep your readers informed; For the sake of honesty and open disclosure(which you preach), I believe you need to include some disclaimers in your piece about your (lack of)qualifications.

Checked out Millenicom BYOD plan. The site has a coverage checker where you type in your address and it tells you what plan availability is for that location. Out of 6 different addresses I entered, only 1 showed the BYOD plan available. I don't know what makes the plan unavailable but it raises a red flag for me.

Excellent post on comparing speeds! Thank you.

We will be going on the road the second week in January for 3 months.
I just signed up for the 20G account with Millenicom. I am supposed to get the equipment in 3 business days.
I will let you know how it works out.


Howard, Excellent post! - I won’t go into a long discussion, but as you know resellers, like Millenicom, usually don’t get “bandwidth or connection priority.” So while you may get good throughput one time, it may not be that way the next – or more over for us RV’ers, at the next stop where the roaming agreement may indeed be on a “left over” bandwidth basis. You just can't know. And your right, they could go away at anytime.

YMMV, but mine stays, for now, with Verizon for a bunch of reasons. It’s that reliability in the most places, more of the time thing that matters most to us.


Howard - You may also want to consider the Virgin Mobile MiFi solution (http://www.virginmobileusa.com/mobile-broadband/mifi-2200.html). They have an unlimited no contract plan that can be turn on and off at will for $40/month.

Also, internet connections are more than upload and download numbers. Although these are important, you should also test the ping times which impact latency. These are important numbers for any wireless connection. You find an online test for these parameters at http://www.pingtest.net/.

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