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Big Bear

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    Detroit, MI

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  1. Agreed with PotO. If no AF, it's not hurting you to keep it open and throw a small charge at it every few months to avoid closure (I'm not sure if Cap1 is one to close due to inactivity). Missed commenting on Chase previously... If it were me, as I am all in on Chase as my preferred rewards, I would wait until Feb when the reports will be cleaner before applying. Which also brings up working through a strategy of rewards that best fits your spending profile.
  2. Congrats on the CLIs. How old is the Cap1? If no AF, you could leave it around to age, but with that limit it might be best to cull. You're other limits are looking healthy, and clean(er) reports are just around the corner.
  3. How can you say that, with sweet offers like 30% Graham and Fisk's Wine-In-A-Can!?
  4. Congrats on the 'in' with Chase! Seems like a great step forward for you. But I will echo the above that later down the road a gameplan for rewards will literally pay for itself. Nice limit and onward and upward!
  5. Thanks for sharing your journey. CB is great for creating second (and sometimes third) chances. Onward and upward!
  6. What types of accounts and/or balance requirements are in place for the higher rewards?
  7. I just hit my 5th year annual fee. I'm feeling pretty entitled right now...
  8. Notifications from hege, Kat, and cv? What year is it!?
  9. Ugh, I haven't attempted another 4506-T in quite some time. Tempting though...lol And here I don't think I ever posted about the BoA $99.9k limit in this thread!
  10. What bank are we talking about here? I've had larger ACH payments take a bit longer than usual, but not two weeks. 😮 I would definitely leave the money where it is, as it is only a matter of time before it finally shows up as pending, especially if the destination/original payment pullers says they received the funds. Maybe verify your payment account details with the CC issuers?
  11. How are the fees (expense ratios) on the current 401k? If they aren't bad, you can roll the old one into the new, otherwise doing a rollover into an IRA may be the way to go. Previous employer 401ks tend to have fees since you are no longer with the company, so something worth looking into. Do you use an HSA with your work-provided insurance? If so, fill up the 401k to the match, fill up the HSA, and then consider further allocation. Like is pointed out above, you are currently contributing $14,300/yr when the 401k max is $19,500...but depending on your income it also might make sense to try to max out your Roth IRA before maxing out the 401k. As for choice of funds, there is nothing wrong with your target date / "set it and forget it" approach as long as they aren't charging you ridiculous fees.
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