Now that it's nearing the end of the year, there are some money chores you need to take care of, such as making sure you've spent the money in your Flexible Spending Account because it will expire before the New Year. You're actually allowed to file an extension if you haven't used up all your FSA dollars, but you need to check your company policy to see if they allow that. Don't fret if you can't extend, here are some last-minute ideas to use your FSA money:
- Over-the-counter items: We're not allowed to spend our FSA dollars on over-the-counter medicines without prescriptions but there are plenty of non medicinal products that we can still use the FSA money for. For example, band aids, crutches, first aid kits, and rubbing alcohol.
- Acupuncture: Acupuncture is covered by your FSA, so if you have a condition such as pain, consider acupuncture.
- Chiropractic: Your FSA also covers chiropractic visits, so now may be the time to schedule an appointment with your chiropractor.
- Birth control: Contraceptives are covered by the FSA, although some require prescription.
- Glasses and contact lens: Schedule a vision exam and use your FSA dollars to buy a new pair of glasses or supplies of contact lenses.
- Prescription medicine: Buy prescription medicine if it makes sense for you to do so.
- Doctor's visit: Your FSA will cover the copay so if you're due for a doctor's visit, try to go before the end of the year.
- Medical monitoring and testing devices: If you need a gadget to measure and monitor your blood pressure or ovulation, perhaps it's time to buy one now. Pregnancy and glucose test kits also qualify.
FSA is best used when it covers items that your health insurance doesn't generally pay for. Remember to use them or you'll lose them before the year's up!
This post originally appeared in SavvySugar.
Founders Fund, investors in Facebook and Space X, last week announced it had raised $625 million for its fourth fund, larger than the first three funds combined. Want some of their money? A promising robotics idea could help.
"We'll be looking at that [space] more in the next five years," partner Bruce Gibney told Private Equity Hub. There's been relatively few promising robotics companies until now, he said, "but people are becoming more commercially disciplined–they're taking it seriously now as a business rather than as a science project."
The fund, founded by PayPal co-founder Peter Thiel, is also interested in artificial intelligence, which it currently has three companies in stealth mode.
How does the six-year-old fund make decisions about its investments?
Unlike most venture capital firms, not at Monday morning meetings.
"We’re just highly skeptical about most traditional decision-making models, which we think are focused on process and not results," Gibney said. "At most venture firms, you have to be at Monday meetings, when maybe you should be meeting with a great company. Everyone has to talk for roughly the same amount of time. And there’s this strange pressure to approve someone’s deal, even if you’re skeptical of it, because you want to get your own deal approved. We think [that approach] doesn’t produce particularly good results."
Gibney noted that Founders Fund partners don't need regular Monday meetings because they have similar hobbies and overlapping social lives. For example, partner Ken Howery was Gibney's college roommate and Howery now lives with Luke Nosek, another partner.
But the larger the deal–initial investments tend to range from $500,000 to $5 million–the more consensus is required. "And we seem to achieve consensus on all our significant deals," Gibney said. "Those on which we all agree tend to be the best, too," he said.
Gibney also explained how the fund's investment in Facebook stacked up against its principle of backing entrepreneurs doing valuable work.
He pointed out that in 2004, Facebook was not an obvious investment candidate.
"It wasn't clear that social networking would be important or big or could even work technologically," he said.
Friendster, which the fund also invested in, became slower as it became more popular, he noted. "It turned out that managing these connections was computationally complex," Gibney said. "[Figuring that out] was something that we think was important and quite valuable and in that way, it fits in with our core thesis.
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