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5 thoughts on “Contact Me

  • April 8, 2014 at 23:13
    Permalink

    Does Navy Federal Credit Union offer a program similar to the SDP? I’ve heard from other soldiers that their credit unions wherever they’re from offers a similar program but the interest isn’t taxed as much.

    Reply
    • April 9, 2014 at 11:58
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      The SDP is a unique program not offered anywhere else. Navy Federal may have offered some 10% CDs back in the 70s and 80s when interest rates where 10x higher than they are today, but I have heard of no other program that offers a guaranteed 10% return. Also, interest is taxed as interest, no matter where the interest is received from. The SDP does not offer tax free interest, even if you serve in a combat zone. However, because your taxable rate will drop to probably 0% or lower, you may not have to pay any tax on your SDP interest.

      Reply
    • July 14, 2014 at 10:21
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      Many people do not know the specifics of the SDP. Last time I checked, you are eligible after 30 consecutive days in a combat zone OR three consecutive months. You can also put in up to $10K and get 10% on it. You can leave it for 90 days after leaving the combat zone, but if you go back down range, you reset your 90 days.

      If you consistently go down range, this is extremely advantageous. Aircrew or similar duties who go down range often can continue to reset their 90-day time frame every time they enter a combat zone. If you take your money out, you have to re-qualify to contribute (30 consecutive days or 3 consecutive months), but if you leave your money in the account, you reset your interest each time you enter a combat zone. I was able to get 10% interest this way for over three straight years.

      Reply
      • July 27, 2014 at 17:34
        Permalink

        Thanks for the great summary Mark! Check out my full SDP writeup. I’m actually getting close to hitting my 3 month window and will have to withdraw. But another deployment is right around the corner!

        Reply
  • February 13, 2014 at 07:07
    Permalink

    Good morning:

    We are holding our first partnership with financial expert John Ulzheimer, and the National Foundation for Credit Counseling (NFCC) to host an exclusive event on Google Hangouts. As you are an expert in the field, I am reaching out to you so if you would like to feature a question on the chat. I would love to highlight your blog – and collaborate in any way.

    Please check out the event:http://www.creditcardinsider.com/insider/join-us-google-hangout/, and get back to me with any questions you may have. I am open to discussing this by email or phone, whichever is best for you!

    Let me know! 🙂

    Erin

    Reply

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