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REIJM - I think I must be missing something, but if you are planning on funding years between 46 and 59.5, then the taxable brokerage is your only option unless you want to pay penalties. Personally, I think converting 4-5 years' worth of income into bonds seems too conservative. You could be...

That is pretty amazing you are getting 35 MPG on a non-hybrid version with AWD. I think that is a great looking truck.

Thank you for your work on this! It is not easy being the wizard behind the curtain.

I haven't watched or listened to Suze for a while, but I thought that her advice was generally fine. I just chalk up much of her hyperbole to the needs of someone in financial entertainment field to have a shtick that gets eyeballs. Her recent comments about FIRE are dumb, but her overall...

What I like about the S&P 500, other than the other attributes stated above, is that it is self-cleaning. Each year, 20-25 stocks are added to the S&P 500 (because they are on their way "up"), and a corresponding number of stocks are removed (because they are on their way "down"). If I were...

I have several CD's maturing mid-February at Ally and I'm hoping the higher rates will stay up for a bit longer. I did notice Ally is promoting a 14 month CD at 5.25% and it says the promotional rate is valid until 3/20/24. So we'll see... https://www.ally.com/go/bank/14m-select-cd/

Lots of great suggestions. I would check and double-check any tech-specific work you have the builders doing. We did a big remodel 20 years ago and I asked to pre-wire the new bedrooms with ethernet cabling for easier connectivity (this was before wifi was ubiquitous). I saw the outlets being...

It is interesting that Ally's CD rates beat all these rates (except for the 5 year one, which they match.) They've been lagging behind raising CD rates, but I guess that also could mean they are lagging behind reducing them as well.

I'm not a big F1 fan, but my son and DIL are, so I listened with interest to this recent "Today, Explained" podcast on F1 racing in Las Vegas. It's highly worth a 25-minute listen if you want to get an education on what F1 racing is, why it has exploded in popularity over the last several years...

If it comes down to dollars and cents, then you are certainly correct. I waited 18 months for my Rav4 Prime because I wouldn't pay more than MSRP. I've been to the gas station 6 times over the past year, and my tank was only half empty each time. With the tax rebate of $7500, the price premium...

Thanks for the recommendation. The video graphics were a nice touch to help understand how the navigation is being done. Personally, I would never go on a ship that big, but a never-ending set of engineering and logistical problems, it is fascinating!

I'm in the same boat. I've got a chunk of money I've kept on the sidelines just waiting to see if we get one more little boost in CD rates. At this point, even though the Fed did the .25% bump, I'm thinking if everyone is expecting it to be the last one for a while, the banks may not be...

Nice, PaunchyP - 5.55% is more than anything I see on Fido. I agree with your assessment. A 6-month minimum at 5.55% seems like a pretty good bet.

I, too, saw this video on my YouTube home page and watched it (skimmed through the mean/median discussion, which is important but I'm clear on). Like others on this thread, I thought it was well done and the numbers seemed right, as far as they go. However, I have difficulty with these...

I have a 2022 Toyota Prime Rav4 (18-month wait at the local dealer because they were one of the few that don't charge more than MSRP). I will say it is a fantastic vehicle. My EV range is up to 48 miles and when the tank is full, my overall possible range in the car is well over 500 miles...

Ally just bumped their 18-month CD to 5%. Their 12-month is still at 4.5% - looks like they are targeting the 18-month CD as their sweet spot.

7 day yield on Fidelity's SPAXX (govt money market sweep account) is 4.69%. On May 1 2022 it was about 0.1% Crazy times.

Not sure if this is new news or not, but I see Capital One is now offering an 11-month CD at 5% APY. Over the last few weeks I loaded up on the 4.6% Ally 13-month Select CDs, so I'm not moving, but nice to see the 5% barrier breached for a simple online CD.

56yr old. 72% equities, 8% bond funds, 20% cash (CD's and Treasuries, mostly)

I have a 2022 RAV4 Prime, and it is the most amazing car I have ever owned. That being said, I do realize the complexity of having two complete propulsion systems in one car seems like asking for trouble. It feels like a transition step on the way to all-electric. When they come out with a...

I had a 2018 Toyota RAV4 Hybrid for 4 years and it was completely trouble-free and an excellent vehicle. I was on the waiting list for over a year (I wasn't going to pay over MSRP) and got a 2022 RAV4 Prime. I traded in the 2018 RAV4 and got more than I paid for it. Crazy world, but that RAV4...

I am an Ally customer and I've used the Ally CD's and high-yield savings accounts in conjunction with my main account at Fido. I've been getting the 1% bonus email solicitations from Ally for a few weeks now and I've considered it. I checked this morning and the best rate at Ally is 3.25% for a...

Great point. As I live in a state with a high state tax rate that does make it even more compelling. Thanks.

Yes, Montecfo, I see that a 2-year treasury would yield 2.53%. Is there any reason not to do that as opposed to a 2-year CD at 2.35%? (Sorry, I'm a newbie on purchasing treasuries directly)

It is interesting that on my FIDO CD Research dashboard I see Ally Bank has 1 year CD's at 1.25%, 18 month CD's at 1.5%, and 2 year CD's at 2.3%. They are all starting 4/14/22. I don't know if those CD's are different from what you can buy through the ally.com site but it is interesting there is...