Consolidating 403b

But apparently the overdraft feature wasn’t “un-linked”. Overall, I’ve been satisfied with Bof A and will likely keep them. And don’t get me started on all the credit cards we have…at

When things are simple and streamlined you often give up things like rate chasing and credit card churning. My work pension is through another portal with Sun Life, and although I totally love the lower fees, I know it’s going to get confusing over the tears when I start new jobs and change retirement vehicles.), and we’d have to bring WAYYYY too much to the table to do it. I’m not giving up hope all the way, but for now we’re def. Especially as it’s a rental now and not our primary residence (which can get even trickier). I always recommend checking there first before elsewhere – good reminder.Reply I have WAY too many accounts over way too many providers.I’m starting to get to the point where I have enough assets that I should, uh, be telling people in case I die? Smart to do – make the list today and then be done with it for a while :) Until you need to update with your new simple system later.And speaking of ATMs, so many places give you FREE access to them these days so def. Obviously USAA does but plenty of others do as well.

balances, of course, but still so many!

So about a year later I inadvertantly siphoned off about 0 from her account. Reply It gets a bit tricky with closing down credit cards (cuz of credit score stuff/etc) but depending on your situation you can slowly close them out over time or take the hit now and be done with it once and for all (provided you’re not trying to buy something big like a house or car anytime soon).

Yeah they have excellent customer service and a pretty killer online portal too (they were the first to pioneer depositing checks via smart phone btw!

), but the streamlining of everything is by far the best benefit they offer in my opinion. And if you thought USAA fans were rabid, you should hang out with Bogleheads! They’re rock stars at fixing erroneous charges when dumb companies try to screw you (*ahem* U. Airlines), as well as offering great additional insurance when renting cars and the like. Our Virginia 529 college savings – that’s mainly because they offer state tax deductions when you pour in the money (yipee!

Though their car insurance rates are pretty pimp too. That’s because I moved – and merged – every last one of my investment accounts I had over to them earlier this year due to their crazy low fees. The rest of the institutions listed were either out of my control (our mortgage got sold to Chase) or because USAA didn’t offer what I needed. They say they’re always considering it, but my inside sources say not to hold my breath, so… ) as well as letting you invest into Vanguard funds (double yipee!

When things are simple and streamlined you often give up things like rate chasing and credit card churning. My work pension is through another portal with Sun Life, and although I totally love the lower fees, I know it’s going to get confusing over the tears when I start new jobs and change retirement vehicles.), and we’d have to bring WAYYYY too much to the table to do it. I’m not giving up hope all the way, but for now we’re def. Especially as it’s a rental now and not our primary residence (which can get even trickier). I always recommend checking there first before elsewhere – good reminder.Reply I have WAY too many accounts over way too many providers.I’m starting to get to the point where I have enough assets that I should, uh, be telling people in case I die? Smart to do – make the list today and then be done with it for a while :) Until you need to update with your new simple system later.And speaking of ATMs, so many places give you FREE access to them these days so def. Obviously USAA does but plenty of others do as well.

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The second trick is sticking to what you’ve got set up and not falling back into opening up new cards all over the place again.

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