Search found 93 matches

by cuda74360
Wed Oct 04, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 42
Views: 3745

Re: Alliant Credit Union no longer offering HSA's as of 11/9

That's odd. Did you apply online or in person? I was first told by one of their phone reps that they use Experian. But when I unfroze Experian, and applied online, the KBA questions weren't presented to me and the application was cancelled. I was then told by one of their account reps that I needed ...
by cuda74360
Tue Oct 03, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 42
Views: 3745

Re: Alliant Credit Union no longer offering HSA's as of 11/9

If you open the account online, they use your credit report (soft pull) to generate questions that are supposed to verify your identity (i.e. what county did you live in 2005, what was your car payment in 1999, what lender holds your mortgage, etc.) If you have a credit freeze, then they can't pull ...
by cuda74360
Sat Sep 23, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 42
Views: 3745

Re: Alliant Credit Union no longer offering HSA's as of 11/9

Be very careful with Optum. I also have an Optum HSA through work, and have been having major issues with their new website. That is why I was researching HSA's and how I came across the news about Alliant. What issues have I been having? Their new website requires that every withdrawal be associate...
by cuda74360
Tue Sep 19, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 42
Views: 3745

Re: Alliant Credit Union no longer offering HSA's as of 11/9

I just applied for one at First Tech Federal Credit Union. Their 'HSA Checking' account pays 1.00% APY with no fees. No investment options, though. https://www.firsttechfed.com/Bank/Checking/HSA-Checking You can qualify for membership by becoming a member of either the Financial Fitness Association ...
by cuda74360
Mon Sep 18, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 42
Views: 3745

Alliant Credit Union no longer offering HSA's as of 11/9

I've been looking at HSA's, and came across this today.

Alliant Credit Union is resigning as custodian of all HSA accounts effective November 9th. All accounts will be moved to HealthEquity.

http://www.nasdaq.com/press-release/hea ... 0918-00660
by cuda74360
Sat Aug 12, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: HSA advice needed
Replies: 5
Views: 378

Re: HSA advice needed

Really? Are the options listed online anywhere? I have Optum myself and I found that one thing you can do is switch to a different type of account-- they have three or four, but the "savings" variety doesn't a monthly investment fee. I'm currently paying I think $1.50 monthly service fee, but that i...
by cuda74360
Sat Aug 12, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: HSA advice needed
Replies: 5
Views: 378

Re: HSA advice needed

It wouldn't be that much work, really. And could all be done via ACH transfer. That being said, it's only $20 per year... which is why I asked. Part of me wants to eliminate as many fees as possible, while another says that it's not worth the effort. I agree with Nate79 that a savings of $20 annuall...
by cuda74360
Sat Aug 12, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: HSA advice needed
Replies: 5
Views: 378

HSA advice needed

Hi, My current HSA strategy is to use my HSA for current expenses, keeping the deductible in cash at the start of the benefit year, and investing everything else. I currently have an HSA at Optum Bank, via my employer. I’m required to use this account to receive matching contributions and to contrib...
by cuda74360
Sat Aug 05, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: S&P500: Good enough or worth it to splice a TSM proxy?
Replies: 7
Views: 793

Re: S&P500: Good enough or worth it to splice a TSM proxy?

From https://www.bogleheads.org/wiki/Three-fund_portfolio "In a 401(k) plan with limited choices one might very well opt for an S&P 500 index fund to serve as the domestic stock component of a three-fund portfolio." I have both an S&P 500 (0.36 ER) and a Russel 2000 (0.38 ER) fund available in my 40...
by cuda74360
Tue Mar 21, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: bad 401k options at new job
Replies: 22
Views: 1957

Re: bad 401k options at new job

I looked at my JH "500 index" and it trails the S&P by a full 1% even on a ten year chart. And the ER is 1.13% which is 1% higher than I can get from VG/TDA/Schwab/Fidelity/ so a net of 2% in fees per year. Unreal. It's totally normal for an index fund to trail it's index by (roughly)...
by cuda74360
Tue Mar 21, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: did anyone else get an email from investordelivery.com?
Replies: 8
Views: 1013

Re: did anyone else get an email from investordelivery.com?

Hi, Maybe you should send this link to VG m Paul I looked at that link, and it says "Vanguard emails come from vanguard.com, e-vanguard.com, evanguard.com, or vanguardinvestments.com. If an email isn't from one of those addresses, it's not from us. However, trusted third parties with establish...
by cuda74360
Tue Mar 21, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: did anyone else get an email from investordelivery.com?
Replies: 8
Views: 1013

did anyone else get an email from investordelivery.com?

Hi, I recently got an email, claiming to be from Vanguard. However, it was actually delivered by investordelivery.com, not vanguard.com. The link in the email went to pe.newriver.com, not vanguard.com. I forwarded the email to phish@vanguard.com, asking if it was legitimate. They responded that it w...
by cuda74360
Sun Mar 19, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: bad 401k options at new job
Replies: 22
Views: 1957

Re: bad 401k options at new job

You can't compare the Vanguard funds in your plan to the Hancock '500 Index Fund' or the Hancock 'Mid Cap Index Fund', as they track different indexes. I disagree. Vanguard Growth Index Fund + Vanguard Value Index Fund = Vanguard Large-Cap Index Fund There may be some overlap for the most "ble...
by cuda74360
Sat Mar 18, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: bad 401k options at new job
Replies: 22
Views: 1957

Re: bad 401k options at new job

You can't compare the Vanguard funds in your plan to the Hancock '500 Index Fund' or the Hancock 'Mid Cap Index Fund', as they track different indexes.

I'm in a similar situation, and use the 500 Index Fund as the sole holding in my 401k. Use your IRA's for your other asset classes.
by cuda74360
Mon Oct 10, 2016 8:05 am
Forum: Investing - Help with Personal Investments
Topic: New funds in 401k - Which to choose?
Replies: 10
Views: 745

Re: New funds in 401k - Which to choose?

Agreed. I use the 5/25 rule, and I very rarely have to rebalance.

BL wrote:If you set a wide band for rebalancing, you probably won't have to do it very often, maybe never, or just change your deposit % now and then as needed for a gradual rebalancing.
by cuda74360
Mon Oct 10, 2016 7:53 am
Forum: Investing - Help with Personal Investments
Topic: New funds in 401k - Which to choose?
Replies: 10
Views: 745

Re: New funds in 401k - Which to choose?

Most 401(k)'s, in my experience, have an auto-rebalance option on their website. You just set the frequency, and it does the rebalancing for you. This isn't useful, though, if you want to rebalance via percentage, or if you're rebalancing accross multiple accounts.
by cuda74360
Sun Oct 09, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: New funds in 401k - Which to choose?
Replies: 10
Views: 745

Re: New funds in 401k - Which to choose?

Assuming that you don't have other retirement accounts, you could allocate something like this. I set your international allocation to 30% of stocks, since you didn't specify. 35% Vanguard Total Bond Market Index Adm VBTLX 20% Vanguard Total Intl Stock Index Admiral VTIAX 45% JPMCB Equity Index Fund...
by cuda74360
Thu Mar 24, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 33070

Re: Costco AMEX Transition - Costco has no answers

When you begin using your new card on June 20, 2016, all purchases you make with your new card will earn Costco Cash Rewards! You will earn: 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter 3% cash back on restaurant and eligible ...
by cuda74360
Sat Feb 06, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 33070

Re: Costco AMEX Update

Alan S. wrote:If you don't want the new VISA card, will the old Costco membership cards (not a CC) suffice?

Yes, it still works if you still have it.
by cuda74360
Sat Feb 06, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 33070

Re: Costco AMEX Update

Per the post above, the rewards terms are the same and in an SEC filing? Link? Here is the link to the SEC filing. m The rewards details are listed on page 111, and are exactly the same as the AmEx. Too many other Visa's are better than 1%. The new Costco Visa will be the only one to earn 3% (or 4%...
by cuda74360
Sat Jan 23, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 33070

Re: Costco AMEX Update

Costco hasn't done a good job of communicating with members, particularly about how the AMEX rebate will be handled now that 2015 has closed. My purchase today will certainly go toward my 2016 rebate, but will what is purchased on AMEX be combined with what is purchased on the new Visa card to acco...
by cuda74360
Sat Jun 20, 2015 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 7274

Re: So my pension has been frozen...

I've decided to take the money, and invest it in my existing Roth IRA. I'll take the 3% that I was contributing to the Pension and redirect it back to my 401k (I already max out the Roth's every year.) I don't feel that maintaining the extra account, and hoping that the company (and the pension) st...
by cuda74360
Sat Jun 20, 2015 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 7274

Re: So my pension has been frozen...

Be sure and come back in 27 years and let us know if you made the right decision. Haha, will do. Though I'm sure I'll be in the same situation that Ron is. When my pension plan was eliminated (way back in 1982), I took the small payoff and did a rollover to my TIRA. Since it's been co-mingled with ...
by cuda74360
Sat Jun 20, 2015 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 7274

Re: So my pension has been frozen...

Thanks to all who have posted. I've decided to take the money, and invest it in my existing Roth IRA. I'll take the 3% that I was contributing to the Pension and redirect it back to my 401k (I already max out the Roth's every year.) I don't feel that maintaining the extra account, and hoping that th...
by cuda74360
Sat Jun 20, 2015 8:25 am
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 7274

Re: So my pension has been frozen...

It feels like the DB pension is massively generous compared to the $5800? The difference being the employer contributions which you would lose? Take the 'Single Life Annuity Option' off the table-- these things are not worth buying without the survivor option due to life expectancy risk (you die pr...
by cuda74360
Fri Jun 19, 2015 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 7274

Re: So my pension has been frozen...

Did you have or get a 401(k) to replace the pension? When I started this job, it offered both a 401(k) and the pension. The pension required a 3% post tax contribution to participate, and the 401(k) matched 50% up to 3% of salary. Now that the pension has been frozen, the 401(k) match has increased...
by cuda74360
Fri Jun 19, 2015 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 7274

So my pension has been frozen...

I received notification that my pension has been frozen, and have been given two options: remain in the plan (won’t be vested until November) -- OR -- get a full refund of my contributions ($5800 - non-taxable), plus interest ($300 - taxable), that can be rolled into an IRA and/or be paid directly t...
by cuda74360
Fri May 29, 2015 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Citi double cash card vs. Amex Blue Everyday
Replies: 34
Views: 28806

Re: Citi double cash card vs. Amex Blue Everyday

Wife and I are looking to replace the Costco Amex. Noticed this Citi Double Cash Card at Nerdwallet.com. I think Costco is only going to be taking Visas when the Amex contract ends. Does anyone know is the Citi Double Cash Card a Visa or M/C? Also, want to get people's opinions on the Citi Double C...
by cuda74360
Fri Mar 20, 2015 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank credit card Which credit agency to unfreeze ?
Replies: 11
Views: 2219

Re: Citibank credit card Which credit agency to unfreeze ?

Anyone apply to Citibank for a CC recently ? Do I have to thaw all 3 credit agencies or just one ? Since freezing my credit reports, what I've found works best when applying for new credit is to apply without unfreezing anything. You'll get a message similar to "we cannot process your applicat...
by cuda74360
Sun Mar 15, 2015 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: costco gas and amex cards
Replies: 4
Views: 1072

Re: costco gas and amex cards

Only the Costco AmEx card earns 3% on Costco gas. The Blue Cash Preferred will only earn 1%. I'm curious if anyone else uses an Amex blue preferred card at Costco gas stations and, if so, do you get 3% (for gas) or 1% (for everything else) back? Despite my transactions being categorized as fuel, Ame...
by cuda74360
Sun Mar 08, 2015 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 24367

Re: How Many Credit Cards Do You Actually Use?

My wife and I currently use: - Costco AmEx for Gas (3%) and Costco (1%) - AmEx Blue Cash Everyday for Grocery stores (3%) and for special offers (the Costco AmEx doesn't get these for some reason) - Citi Double Cash for everything else (2%) We each have our own MasterCards from our credit union as w...
by cuda74360
Sun Sep 21, 2014 9:04 am
Forum: Personal Consumer Issues
Topic: Best cell phone plan for Verizon iPhone 5
Replies: 12
Views: 2015

Re: Best cell phone plan for Verizon iPhone 5

Ting would be a great option but is not available with my phone. I just want to make sure that you went to the right place. If you go to m, and select Verizon, you'll be presented with a message that says: "Verizon devices won’t work on Ting. However, roughly a quarter of Verizon iPhone 5 devi...
by cuda74360
Sat Sep 20, 2014 11:52 am
Forum: Personal Consumer Issues
Topic: Best cell phone plan for Verizon iPhone 5
Replies: 12
Views: 2015

Re: Best cell phone plan for Verizon iPhone 5

I'm planning to give my Verizon iPhone 5 to my mother, who currently has an android phone on t mobile straight talk. She's probably a medium to light user in terms of data, minutes and SMS. Is it possible to switch the phone over to straight talk? Or are there better options? Also is there a way to...
by cuda74360
Sat Aug 23, 2014 2:29 pm
Forum: Personal Consumer Issues
Topic: Smartphone recommendations for under $200
Replies: 24
Views: 3139

Re: Smartphone recommendations for under $200

sunnyday wrote:Is it possible to switch the FreedomPop Galaxy SIII to Straight Talk if I'm not happy with FreedomPop?


Probably not, as the Freedompop phone running on Sprint's network will be CDMA. Straight Talk BYOD is GSM.
by cuda74360
Sat Aug 23, 2014 8:40 am
Forum: Personal Consumer Issues
Topic: Smartphone recommendations for under $200
Replies: 24
Views: 3139

Re: Smartphone recommendations for under $200

I've been using Ting for a couple years and highly recommended them. You can use this link to get $25 off, and they have several phones available that should work for you. m Be sure to use the Savings Calculator on the website, and enter your usage data to see what your monthly bill will be. Not eve...
by cuda74360
Wed Aug 24, 2011 12:05 pm
Forum: Personal Consumer Issues
Topic: HD TV/Electrical Experts...Need Help
Replies: 13
Views: 1505

Don't be so sure. When I had Dish Network installed, I had to teach the installer how to ground the dish and insist that he did so. He then told me that he's installed hundreds, if not thousands, of dishes and has never grounded any of them. Yes on the surge protector. Any yes, I assume it was groun...
by cuda74360
Tue Jul 26, 2011 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Cash back program changes
Replies: 58
Views: 10147

That was the old Amex Blue, which is no longer available. The new ones don't have a minimum and earn the rewards immediately. Regarding the Amex Blue, the $6500 minimum before the nice cashback rates kick in is a deal breaker for me. I guess it's Capital One or just keep using my "upgraded"...
by cuda74360
Thu Jul 21, 2011 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: People say to spread 401(k), but it looks okay to me.
Replies: 55
Views: 3956

Yes.

xqz22invest wrote:For Total Stock Market Index, you talking about VTSMX?
by cuda74360
Thu Jul 21, 2011 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: People say to spread 401(k), but it looks okay to me.
Replies: 55
Views: 3956

You can contribute $5,000 per year into your Roth IRA. If you already contributed for this year, then you can't contribute more until next year. When did you invest the $5,000 into the Roth? Great help all. When will I know when I can re-contribute to my Roth IRA? If I want to open a brokerage accou...
by cuda74360
Thu Jul 21, 2011 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: People say to spread 401(k), but it looks okay to me.
Replies: 55
Views: 3956

Target Retirement (TR) funds work great as a single fund solution. Once you start adding additional funds, though, TR funds tend to complicate the portfolio rather than simplify it. How does a fund that "automatically manages" 40% of your portfolio help you? You still have to manage the re...
by cuda74360
Thu Jul 21, 2011 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: People say to spread 401(k), but it looks okay to me.
Replies: 55
Views: 3956

Why must the Roth be at $6k? Is it safe to assume my company's stable value account is equivalent to a bond index (in that it's 100% fixed since guaranteed 3% minimum?) Most Vanguard funds require $3,000 minimum to invest. With less than $6,000 in your Roth, you can only invest in one fund. The sta...
by cuda74360
Thu Jul 21, 2011 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: People say to spread 401(k), but it looks okay to me.
Replies: 55
Views: 3956

Setup your accounts like this for now: 401k - $7875 31% ($3966.30 - 50% of account) Vanguard Institutional Index Instl 10% ($1322.10 - 17% of account) Vanguard Extended Market Idx Instl 20% ($2586.60 - 33% of account) Lincoln Stable Value Fund Roth IRA - $5058 39% ($5058 - 100% of account) Total Sto...
by cuda74360
Thu Jul 21, 2011 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: People say to spread 401(k), but it looks okay to me.
Replies: 55
Views: 3956

Your 401k has $7875, and your Roth IRA has $5058. So your 401k is 61% of your portfolio, and the Roth is 39% of your portfolio. 10% (bonds in your Roth) * .39 = 3.9% bonds from the Roth 20% (bonds in your 401k) * .61 = 12.2% bonds from the 401k Total bonds in your proposed portfolio is 16.1%, not 20...
by cuda74360
Thu Jul 21, 2011 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: People say to spread 401(k), but it looks okay to me.
Replies: 55
Views: 3956

How much are you planning to contribute to the 401k? to the Roth? Looking better. But what is the stock to bond ratio of this retirement portfolio? Is it what you said you want? Is the international what you want? This is good. I think you can do better. Actually, I don't think you can right now, bu...
by cuda74360
Thu Jul 21, 2011 8:23 am
Forum: Investing - Help with Personal Investments
Topic: People say to spread 401(k), but it looks okay to me.
Replies: 55
Views: 3956

You need to consider both your 401k and your Roth as one large portfolio, instead of separately. This will let you choose the lowest cost investments in your 401k, while still maintaining your desired 80/20 portfolio. Ideally you'd set it up like this (I included international as 25% of stocks): 401...
by cuda74360
Tue Jul 19, 2011 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for Cash Back Credit Card
Replies: 38
Views: 10643

That's why I carry two cards. The Amex, and a MasterCard (that gives 1% back -- credited monthly) for when they don't take Amex. I rarely have to use the MasterCard. My only caution on the Amex card is of course amex isnt' accepted everywhere, but you already know that. The best deal on general cash...
by cuda74360
Tue Jul 19, 2011 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for Cash Back Credit Card
Replies: 38
Views: 10643

I've been getting over 3% back from the AmEx Blue Preferred. You can use your end of the year statement from your current AmEx card to see how much you spend and where. If you spend alot at grocery stores (not warehouse clubs), gas stations, and dept stores then it may be a better deal. I don't know...
by cuda74360
Tue Jul 19, 2011 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for Cash Back Credit Card
Replies: 38
Views: 10643

The new American Express Blue cards are excellent. They have 2 different ones: Blue Cash Everyday ($0 annual fee) 3% on Groceries 2% on Gasoline and Department Stores 1% on everything else Blue Cash Preferred ($75 annual fee) 6% on Groceries 3% on Gasoline and Department Stores 1% on everything else...
by cuda74360
Mon Feb 07, 2011 9:29 am
Forum: Personal Consumer Issues
Topic: Roof Racks?
Replies: 18
Views: 2571

I had a great experience with the RoofBag.

http://www.roofbag.com/

It worked great for our last vacation, and we loaned it to a friend and it worked great for them, too!