Search found 254 matches

by BeneIRA
Fri Jun 23, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan
Replies: 24
Views: 899

Re: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan

I don't like the idea because 401k loans represent a double tax. You withdraw the money tax-free, but you repay the loan and interest with after tax dollars, then when you withdraw it later, that after tax money is getting taxed again because it is in a pre-tax vehicle. Also, most plans charge some ...
by BeneIRA
Fri Jun 23, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

I am finding that often purchasing tickets through their online portal with points is a great deal (1.5 UR pts/S with no restrictions or added surcharges) compared with buying tickets with airline miles. I have found the same, but this is not true for all flights. In many cases, Chase travel seems ...
by BeneIRA
Fri Jun 23, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

I am finding that often purchasing tickets through their online portal with points is a great deal (1.5 UR pts/S with no restrictions or added surcharges) compared with buying tickets with airline miles. I have found the same, but this is not true for all flights. In many cases, Chase travel seems ...
by BeneIRA
Thu Jun 22, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

<snip> 3. *I think* CSR provides a better travel insurance than CSP. Victoria *I think* the travel insurance for CSR and CSP is identical. All I know is when I inquired months ago that is what Chase told me (or maybe it was the insurance rep Chase referred me to). I no longer recall the specifics o...
by BeneIRA
Wed Jun 21, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

What are Amex premium rewards worth if I get 50k points? You must be referring to Membership Rewards that you get with the Premier Rewards Gold. They are worth 1 penny per point if used for travel. Their real value is in their transferability to top off your point balance to their partners. Flying ...
by BeneIRA
Wed Jun 21, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

What are Amex premium rewards worth if I get 50k points? You must be referring to Membership Rewards that you get with the Premier Rewards Gold. They are worth 1 penny per point if used for travel. Their real value is in their transferability to top off your point balance to their partners. Flying ...
by BeneIRA
Mon Jun 19, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

Barefootgirl wrote:
Merrill Plus Visa Signature card.


Is there a business version of this card, anyone know? I will try to find out.


Pretty sure there isn't. I believe it is personal only.
by BeneIRA
Sun Jun 18, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

This is an odd bird, the Merrill Plus Visa Signature card. The highlight is a $500 statement credit after a $3,000+ spend in 90 days. Interesting. That may be a good one, assuming an odd bird in the hand is worth two in the bush. $500 statement credit is much better than $500 credit towards future ...
by BeneIRA
Fri Jun 16, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

The Lufthansa's Miles and More Mastercard offers 35,000 bonus miles and an annual companion ticket for an $89 annual fee. https://www.lufthansa.com/online/portal/lh/us/local?nodeid=536738568 Does anyone have experience with this card and the companion ticket in particular? Seems like a great deal i...
by BeneIRA
Fri Jun 16, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Rewards Credit Cards for Large Purchases
Replies: 19
Views: 1600

Re: Rewards Credit Cards for Large Purchases

All, if the OP's spouse just applied for a Sapphire Preferred card and out the OP on as an authorized user for the 5,000 UR bonus, this counts as 1/24. I believe what the OP means is that they would like to be removed as an authorized user so it does not count against 5/24. This is possible if you ...
by BeneIRA
Fri Jun 16, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Rewards Credit Cards for Large Purchases
Replies: 19
Views: 1600

Re: Rewards Credit Cards for Large Purchases

All, if the OP's spouse just applied for a Sapphire Preferred card and out the OP on as an authorized user for the 5,000 UR bonus, this counts as 1/24. I believe what the OP means is that they would like to be removed as an authorized user so it does not count against 5/24. This is possible if you ...
by BeneIRA
Fri Jun 16, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Rewards Credit Cards for Large Purchases
Replies: 19
Views: 1600

Re: Rewards Credit Cards for Large Purchases

All, if the OP's spouse just applied for a Sapphire Preferred card and out the OP on as an authorized user for the 5,000 UR bonus, this counts as 1/24. I believe what the OP means is that they would like to be removed as an authorized user so it does not count against 5/24. This is possible if you o...
by BeneIRA
Thu Jun 15, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card Rewards for Large Non-Travel Purchases
Replies: 5
Views: 568

Re: Best Credit Card Rewards for Large Non-Travel Purchases

I would probably open up a few different cards for the sign-up bonuses. Chase Freedom and Chase Freedom Unlimited both have low sign-up bonuses, no annual fees, and you can get cash back. The Sapphire Preferred could be redeemed for $500 in cash if you spend $4,000 in the first three months with no ...
by BeneIRA
Mon Jun 12, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 6233

Re: Cell phone service abroad

I checked BLU Advanced 5.0 on Amazon against Bylo's link for "Will My Phone Work?" http://willmyphonework.net/ for the Czech Republic. This phone would work only with 2G networks. Is there another inexpensive phone that would work with European 3G networks? Victoria The Amazon Moto G4 wil...
by BeneIRA
Mon Jun 12, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 6233

Re: Cell phone service abroad

If you are paranoid about bringing your own phone, you could do as I did and purchase a BLU phone for $60 using Amazon Prime and bring that. It is an unlocked phone that I used to put a new SIM card into for every country I visited. I checked BLU Advanced 5.0 on Amazon against Bylo's link for "...
by BeneIRA
Wed May 31, 2017 6:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

If you don't have the United Mileage Explorer card for the 70,000 miles, I would definitely jump on that. The additional award availability helps, but domestically, it doesn't help a ton unfortunately because United has expanded Basic Economy fares. Other than that, the Marriott card is another one...
by BeneIRA
Tue May 30, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

Trying to come up with a plan for new cards to order over the next few months. Current card holdings: Me: In the past 2 or so years, I have opened: -- Chase Sapphire Reserve (CSR) -- Chase Ink Business Preferred -- Capital One Spark I also downgraded from Sallie Mae to Barclays Reward card at the e...
by BeneIRA
Mon May 29, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4578

Re: Lufthansa Premium Economy

I flew Lufthansa from Prague to Washington, DC three weeks ago. I can't comment on premium economy because I never pay extra for better seats, but I can comment on missing my connecting flight in Munich. The flight from Prague was delayed by an hour, Lufthansa gate agents in Prague were incompetent...
by BeneIRA
Mon May 29, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4578

Re: Lufthansa Premium Economy

Just flew Lufthansa a couple weeks ago. I would recommend spending extra for the exit row seats. They are comparable with premium economy in terms of legroom. On my flights, it was an extra $100 versus $275. To me, premium economy was barely better than the exit row seat. Thanks. This is timely adv...
by BeneIRA
Mon May 29, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

Churning Chase bonuses is, in my opinion, the most lucrative way to earn money on everyday spend. Since August of 2016, my SO and I have amassed 500K Chase points, which is worth at least $7,500 in travel (more if we decide to transfer the points to a partner airline). That is all from normal spend...
by BeneIRA
Wed May 24, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4578

Re: Lufthansa Premium Economy

Just flew Lufthansa a couple weeks ago. I would recommend spending extra for the exit row seats. They are comparable with premium economy in terms of legroom. On my flights, it was an extra $100 versus $275. To me, premium economy was barely better than the exit row seat.
by BeneIRA
Wed May 24, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

That said, I'm currently above 5/24 and already have a CSR which I plan to cancel by the end of the year before the next annual fee comes due. -Steph Steph, Before you cancel a CSR ensure that you have another Chase card to hold and transfer URs. Victoria I have a Chase Freedom that I will transfer...
by BeneIRA
Tue May 23, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

I'm looking for ideas on the next card to get. This time, I have a specific trip in mind. I'd like to go ATL-TYO; CTS-ATL in February. My preference would be nonstop ATL-TYO but I'm willing to connect if the layover is relatively short. I'm also willing to book an award ticket in coach then pay to ...
by BeneIRA
Mon May 22, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

I'm looking for ideas on the next card to get. This time, I have a specific trip in mind. I'd like to go ATL-TYO; CTS-ATL in February. My preference would be nonstop ATL-TYO but I'm willing to connect if the layover is relatively short. I'm also willing to book an award ticket in coach then pay to ...
by BeneIRA
Mon May 22, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

I'm looking for ideas on the next card to get. This time, I have a specific trip in mind. I'd like to go ATL-TYO; CTS-ATL in February. My preference would be nonstop ATL-TYO but I'm willing to connect if the layover is relatively short. I'm also willing to book an award ticket in coach then pay to ...
by BeneIRA
Fri May 19, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

* Specifically, you can get SW x 2 for CP - probably the most valuable item in this hobby assuming you can make use of it What is SW? And CP? (wondering if I am missing out on "the most valuable item") Southwest and Companion Pass. The Southwest Companion Pass is achieved once one accrues...
by BeneIRA
Mon Apr 17, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

I am reconsidering cards with American airlines rewards as they seem to have devalued their product greatly by severely limiting seats. Agreed, at least in my experience so far. I got targeted for a 60k signup bonus and decided why not, and now I'm regretting it. I have 100,000 AA miles just collec...
by BeneIRA
Thu Apr 13, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: netflix
Replies: 11
Views: 1359

Re: netflix

1year23 wrote:I will be going to Cabo San Lucas for vacation. Does anyone know if my Netflix streaming subscription will work there?


This article says it works. http://money.cnn.com/2016/01/06/media/netflix-global-launch-countries/
by BeneIRA
Sun Apr 09, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Using my local bank ATM chip card for Euros
Replies: 15
Views: 822

Re: Using my local bank ATM chip card for Euros

With that excessive fee structure, you are better off exchanging dollars to Euros at your local bank. They should have access to Euros and they should get you a somewhat decent rate. Keep in mind those European ATMs charge you a fee, too. If the ATM fee is $3 plus your $5 fee that you're already pay...
by BeneIRA
Sun Apr 09, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2694

Re: Anyone use Verizon wireless prepaid for cell phones???

I use Verizon prepaid. I pay $45, $48 with tax per month for 2GB (3GB with autopay bonus) LTE data. Verizon works great in rural areas when camping and is almost as fast as ATT in the California urban area where I live. For 1 or 2 people, I couldn't find a post-paid package that was competitive in ...
by BeneIRA
Fri Apr 07, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 51
Views: 3600

Re: Citi Costco Visa vs. Chase Sapphire Reserve

Responses are great - lot's of good information. I see the benefits of the CSR even clearer than before. I have questions about using the points. Are the flights limited? More specifically, is it easy to get the 6am flight (who wants to get to the airport at 4am) and not so much the 9am or 10am fli...
by BeneIRA
Fri Apr 07, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 51
Views: 3600

Re: Citi Costco Visa vs. Chase Sapphire Reserve

Agreed. During gas quarters, such as the last one, I stocked up on gas gift cards for the 5% to use going forward. Last year when drug stores were a category, I stocked up on gas gift cards then, too. This quarter they made drug stores/grocery stores one category for the Freedom, which is less than...
by BeneIRA
Fri Apr 07, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 51
Views: 3600

Re: Citi Costco Visa vs. Chase Sapphire Reserve

Last year when drug stores were a category, I stocked up on gas gift cards then, too. Drug stores is a category now. Was this a typo? How do you take advantage by stocking up on gas gift cards if drug stores are a category? And are gas gift cards free in gas stations? I believe drug stores were a s...
by BeneIRA
Fri Apr 07, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)
Replies: 15
Views: 898

Re: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)

Drop the CSP and keep the CSR and Marriott. The caveat on the last one is if you can use the free night in a category 1-5. If you can't, then I would cancel it. Either way, for the Marriott, I would call in when the annual fee comes due and see about a retention offer. They are much more likely to g...
by BeneIRA
Fri Apr 07, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 51
Views: 3600

Re: Citi Costco Visa vs. Chase Sapphire Reserve

Let me be a contrarian. I have a CSP and won't qualify for a CSR for a year. When I pass the 5/24 threshold, I'll get a CSR, provided it's offered with a respectable bonus. But the value of 3% cashback vs. 3% in URs depends on one's individual situation. For example, I already have enough URs for s...
by BeneIRA
Fri Apr 07, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 51
Views: 3600

Re: Citi Costco Visa vs. Chase Sapphire Reserve

Many people on these boards (myself included) have the Chase Sapphire Reserve. I signed up for mine back in Feb for the 100,000 points and am considering keeping it long term largely because of the 3% cash back on travel and restaurants. Was at Costco getting gas the other day and noticed that thei...
by BeneIRA
Wed Apr 05, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Manufactured Spending - is it illegal, or otherwise "bad?"
Replies: 71
Views: 6179

Re: Manufactured Spending - is it illegal, or otherwise "bad?"

FWIW I have never ever seen a non-merchant (spend anywhere, possibly convert to cash) gift card that could be purchased with a credit card. I realize this is what people do, so it must be possible, but I've never seen it. Visa or AmEx gift cards. That's what you're taking about right? They're reall...
by BeneIRA
Wed Apr 05, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

I am going to be applying for a United Explorer card in a few days. I am wondering if there is any advantage to applying for another card at around the same time. I would think if I do it the same day the 2nd one won't see the inquiry yet from the first. Not that the inquiry would get me denied on ...
by BeneIRA
Wed Apr 05, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Flights with limited pre-assigned seating benefits
Replies: 49
Views: 2984

Re: Flights with limited pre-assigned seating benefits

If you have the SPG Personal, you should have Boingo wifi access and that might be available where you are. I would call Verizon to make sure your phone is truly unlocked for international. My SO's phone, even though we bought it outright, wasn't completely unlocked. Another option which we used was...
by BeneIRA
Wed Apr 05, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

I am going to be applying for a United Explorer card in a few days. I am wondering if there is any advantage to applying for another card at around the same time. I would think if I do it the same day the 2nd one won't see the inquiry yet from the first. Not that the inquiry would get me denied on ...
by BeneIRA
Wed Apr 05, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

I am going to be applying for a United Explorer card in a few days. I am wondering if there is any advantage to applying for another card at around the same time. I would think if I do it the same day the 2nd one won't see the inquiry yet from the first. Not that the inquiry would get me denied on ...
by BeneIRA
Wed Apr 05, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Spring Break Trip to Disney World
Replies: 68
Views: 4718

Re: Spring Break Trip to Disney World

My SO and I just went to Disney. It was absolutely slammed, but we got such a great deal on everything we couldn't pass it up. Fast passes are huge. If you haven't already, plan your fast passes. Make them as early as you can. The reason is because once all three fast passes are used up, you can boo...
by BeneIRA
Wed Mar 29, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

https://www.wsj.com/articles/amex-fires-another-shot-at-chases-sapphire-reserve-1490802710 AmEx in coming days is expected to increase the points bonus to 60,000, from 40,000 , according to a person familiar with the matter. But there is likely to be catch: To get the larger amount of points, card ...
by BeneIRA
Sat Mar 25, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2694

Re: Anyone use Verizon wireless prepaid for cell phones???

Have Verizon prepaid @ $45 a month. Samsung Galaxy S4 phone was on sale for $129 last April at Walmart. Great phone at that price, very nice display and performance. Hoping the S5 will go on sale, and I'll upgrade but no hurry. Unlimited voice and text with 3gb of data, seldom use a 1gb - mostly ke...
by BeneIRA
Tue Mar 21, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Winter Travel
Replies: 29
Views: 2280

Re: Winter Travel

Prague will also be cold in December. I would recommend Budapest or Southern Italy over Prague, but I am biased since I loved Budapest when I went. I would recommend Europe if possible. Quebec City will be really cold. Montana will also be cold. Traveling to Europe will also be very cheap for that t...
by BeneIRA
Tue Mar 21, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 221
Views: 45193

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

BeneIRA, I'm not sure why you're talking about suing. I think the consensus was to report this to the appropriate authorities, which would be the elder and disabled adult services in the OP's mother's area. The divorce case will be enough lawyers involved, but the state needs to know what the BIL d...
by BeneIRA
Tue Mar 21, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1858
Views: 292769

Re: What's Your Credit Card Rewards Strategy?

I received an email today for 50k miles for an Amex Gold Premier Reward. Annual fee waived first year. It seems like the public reward is 25k. I looked at what you can use the miles for. It seems like airlines I don't typically fly (I prefer American/United). There is also a $100 airline credit per...
by BeneIRA
Sat Mar 18, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 221
Views: 45193

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

OP, an acquaintance of mine was in a similar scenario. A mother in her 90's had a nice sum of money still saved up with a pension and one of her sons was put in charge of her finances. We will call him Bill. The other siblings did not pay too much attention to the finances. I and others wondered how...
by BeneIRA
Tue Mar 14, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card accounts (leave open or close?)
Replies: 33
Views: 3329

Re: Credit Card accounts (leave open or close?)

OP, if you want to close them and it would make you sleep better at night, I say do it. It isn't what I would do, but it is an option. I would product change both of those cards. The Chase one I would product change to either the Chase Freedom Unlimited, which has 1.5% cash back on everything, or th...
by BeneIRA
Sun Mar 05, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer
Replies: 12
Views: 1699

Re: Job Offer

Turnover is a red flag. Did you check Glassdoor to see why people might be leaving? You give the cost of the benefits, but cost isn't everything. One insurance could be terrible and the other could have a $300 Deductible for the same cost. Also, with the 401k. Do you mean in your current position yo...

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