Recent content by bpgdeg1234

Vanguard VUSXX Treasury MM fund is yielding 5.27% which is even better than the 52-week treasury if that garners say only 5.1x% at the auction today as both are state tax free in a taxable account. I was debating going with the lower auction 52-week treasury yield but locked in for the full...

Why and what term brokered CD did you end up getting?

Pretty much where I'm at so will mull it over. Thanks pb4uski for your thoughts.

I asked this in Bogleheads earlier but looking for any additional input here. I presently have $125K Treasury note in my Vanguard TIRA that if sold today would realize roughly $123,139.65 (accrued interest not included) and upon maturity on April 30, 2024 will pay out $126,406,25 ($125K plus...

I chatted with an Ally CSR and she indicated that unless the NP CD was opened by the 10/26 date that I couldn't open it now and transfer the new money I just transferred over to my savings account as part of the promo into this newly opened NP CD and realize the bonus. As such, it's not worth...

Another question: So Ally now has a 2.75% 11-month No Penalty CD. If you signed up for the 1% promo on your existing Ally Savings account and added $50K for the promo but then decided to open a new NP CD and transfer that $50K from the Ally Savings into that NP CD does this now disqualify the...

Thanks for getting back. My personal take is this is a canned response as they completely avoided and never restated the question or actual answer to it. After seeing several opinions on different sites and reading the T&C my take is that all existing funding as of the start of the promo...

This has yet to be confirmed. On another site folks don't think this will work as Ally will count the reduction on the one account against the addition on the other since it will be the same name/SS# as an owner on both of the two accounts. Hoping to get some formalized clarity from the email...

Thanks for your response. It just sounds a bit odd as Ally is looking to increase deposits but would allow someone to drain one account that has the same SS# as another one registered for the promo. If this is accurate one could just transfer money out of one account (my child's and my joint...

So trying to understand more on this. If I have a joint savings account with my adult child who happens to be listed first on the account and child happens to have recently removed money from that account but I have my own savings account which I enrolled in the promo then the amount my child...

Thank for everyone's perspective. Fixed income ugh!

Any takers? Thanks

I have a 5 year ladder and recently bought the PenFed 3.5% CD they offered in July. In seeing this Capital One 4.3% 5 year CD I initially decided to jump on it as well but am now questioning whether it makes sense with the Fed very intent on continuing to raise rates at least into 2023 and...

Thanks for your perspective. Are you going with shorter term TIPS with your purchases?

So which would you personally advocate?