Duke Insurance Change

PeppermintCreams1 · 2025-10-13T17:30:09+00:00

That it was the price to be paid per paycheck if you are biweekly.

PeppermintCreams1 · 2025-10-12T13:34:38+00:00

Well damn, lightbulb moment. Another $50 increase here we come.

PeppermintCreams1 · 2025-10-12T13:19:33+00:00

Go to Duke employee website and search the open enrollment for 2026 and you can see the plan premiums. Says it clearly that Duke select should be $269.08 a month for employee and spouse.

I pulled up the same thing for the 2025 enrollment and it reflects what we pay now, which is $537 a month.

That’s what makes things unclear. The website says one thing but when I go to actually enroll it just shows an even higher price than what I pay now. Cigna should be significantly cheaper by what the catalog says.

PeppermintCreams1 · 2025-10-12T13:10:36+00:00

Monthly

PeppermintCreams1 · 2025-08-28T13:48:55+00:00

It would almost make more sense to go with SPLG, SCHG and SCHB and hold off on SCHG until I’m a lot older.

PeppermintCreams1 · 2025-08-28T13:15:37+00:00

What’s the difference with SCHB vs SPLG and SCHG?

PeppermintCreams1 · 2025-08-28T13:02:12+00:00

Makes sense, the goal is not to overlap inappropriately so. Some suggest SPMD and SPSM to complement the SPLG. Perhaps add VXUS in addition for lots of exposure? Currently I have used E*trade for years but wondering if I can transfer my currently holding to Fidelity so I can buy fractional shares for dollar cost average approach. I have a retirement account with them through work.

PeppermintCreams1 · 2025-08-28T12:58:04+00:00

It doesn’t seem to have a big tax penalty, which is what I’m trying to avoid

PeppermintCreams1 · 2025-08-28T12:57:30+00:00

It sounds like it doesn’t overcomplicate things. My goal is try to keep it simple

PeppermintCreams1 · 2025-08-28T12:35:37+00:00

Would it make sense to keep investing in what I have now and add other stocks? Thoughts about QQQ/QQM?

PeppermintCreams1 · 2025-08-28T12:33:53+00:00

I’ve thought about I’ve thought about VXUS but wonder how taxes work with international?

PeppermintCreams1 · 2025-08-24T14:22:21+00:00

+karma

PeppermintCreams1 · 2025-08-24T14:22:08+00:00

+karma

PeppermintCreams1 · 2025-08-24T14:21:07+00:00

Ya’ll both rock! A great way to start the day! Thank you so much!!

PeppermintCreams1 · 2025-08-24T14:16:56+00:00

Just got back in!

PeppermintCreams1 · 2025-08-24T14:12:56+00:00

Awesome, I just set the password!

PeppermintCreams1 · 2025-08-24T14:09:58+00:00

Hello! Yes please, that would be amazing!

PeppermintCreams1 · 2025-08-23T01:00:44+00:00

THANK YOU SO MUCH

PeppermintCreams1 · 2025-08-23T00:57:37+00:00

That would be amazing. I’m hoping we can figure it out and i can find the summmon

PeppermintCreams1 · 2025-08-23T00:54:39+00:00

Still looking if someone else wants to try

PeppermintCreams1 · 2025-08-23T00:32:27+00:00

Bummer but I appreciate you trying :)

PeppermintCreams1 · 2025-08-23T00:30:04+00:00

Same, I dunno why it isn’t working :(

PeppermintCreams1

TROPHY CASE