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Old 03-18-2020, 04:50 PM   #241
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Have you and your parents "claimed" your SS accounts? It is a form of 2 Factor Authentication to prevent unauthorized access.
Search for mySS.gov (something like that).
I have not, but was going to get to it this year. Only 60, but yeah.
Not sure if my parents have done it, but probably not.
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Old 03-18-2020, 05:02 PM   #242
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Just froze my and DW's credit, except we couldn't do hers for Experian online for some reason. Probably missed one of those ridiculous security questions they ask, although I can guarantee our answers were correct. But I'll get that part going, and other than that we should be good. Whew! I'll be glad when this is the far past.
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Old 03-18-2020, 05:05 PM   #243
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Still wallowing in an average of 3.85% on $2m +.
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Old 03-18-2020, 07:09 PM   #244
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Close call. I would expect more of the same as this "thing" runs its course.
Still happy to be 95% in CD's. Have no interest in stock market drama. 30 yrs was enough for me.
Sleep better than ever the past couple yrs. My next major move is mid 2022. Hoping things are looking better then / in the way of 5yr CD's.
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Old 03-18-2020, 11:20 PM   #245
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On a related note, so I sent in the application although no monies sent.
However they have my parents and my SS #/mother maiden names.
So we all have credit freezes and fraud alerts at the bureaus.
I am not collecting SS yet, but was wondering what risk do my parents have with a potential redirection of SS payments possibly.
I will call the SS offices, but was wondering on thoughts here.
I never use my mother's maiden name - that info is public knowledge, especially with ancestry.com and related sites.

Sites are basically using it as password.

Instead I just make up a word (and write it down) and it's different for each bank. I don't even make it a real name, example of the type would be: greenwitch or skinnysun.
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Old 03-19-2020, 04:42 AM   #246
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Just as a heads up, that was a scam. I'm ok, but it was a very close thing. I'll give more details later.
OMG! So glad it was just close!
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Old 03-19-2020, 04:47 AM   #247
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If I'm following the thread correctly though, one key difference between prior deals that many of us have taken advantage of was that they were directly with the bank or credit union issuing the CD.... in this case it was through an intermediary... an agent... rather than directly with Synovus. Is that correct?

I'm glad it was figured out before anyone got burnt.
Yes, that alone made me nervous about it, although I have no qualms about buying brokered CDs through my existing brokerages.

I donít have any more money laying around to buy CDs anyway.
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Old 03-19-2020, 05:09 AM   #248
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I'm taking advantage of the 1% bonus from Ally (max of $250).
Have to
  1. open an account if don't already have one and
  2. then sign up for it before moving in money.
https://www.ally.com/go/bank/bonus/

It's available for existing customers (love Ally) in which case only need to do step 2. (it asks name and email) no need to log in.

They send you an email confirming the move.
Then move in money and keep accounts at that NET level until June 30th.
Right, and you have until 3/31 to send in the new money.
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Old 03-20-2020, 12:42 PM   #249
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ATTENTION THIS IS A FRAUD DEAL

I just walked into a Synovus Bank coz something the clearing info worried me about this whole deal.
They did not know anything about this deal and looked up my rep Mark Guntle. He does not work for Synovus.
The Apex Clearing firm is a fraud firm.
Harley - will send you a PM.
I don't have this type of free cash available but this is a good (fraud) catch.
Good Job.
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Old 03-20-2020, 12:48 PM   #250
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It does beg the question though as to whether we should be highlighting promotions that might not be legitimate.
I think we all need to do our due diligence. When I saw the 5 yr 3.56%, out of curiosity, I searched on Bank Deals and high and low on google and did not find any reference. I even called Synovus but the wait time just was too long.
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Old 03-20-2020, 12:49 PM   #251
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I don't have this type of free cash available but this is a good (fraud) catch.
Good Job.
Thanks MJ. Gave out some info, but at least didn't send the monies. Would have been a disaster especially since it was my parents' monies.
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Old 03-20-2020, 12:55 PM   #252
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THE STORY (long, and the mods should feel free to move it to another thread if they think it appropriate. Maybe start a Darwin award forum):

OK, first off, no blame to njhowie at all. This was a perfect example of "If it's too good to be true, it's not true". I've listed all the red flags I ignored, just for educational purposes. The first one was that the rates were too high, and they didn't drop when the Fed dropped the interest rate.
Sounds like the making of thrilling short story. "Found" money!
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Old 03-20-2020, 01:01 PM   #253
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Yes, that's what I meant. Sorry. It's a domain registered in Russia, which might be a bit suspicious for a DC area Wealth Management company.
Might be a "bit" suspicious?
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Old 03-20-2020, 01:02 PM   #254
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Sounds like the making of thrilling short story. "Found" money!
Well, I'm going to let T-Al write it. I'd like to put it behind me. I was talking on the phone to a friend about it today, and my heart started pounding and my hands started shaking again. It wasn't thrilling, it was devastating, although with a happy ending.
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Old 03-20-2020, 02:02 PM   #255
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Well, I'm going to let T-Al write it. I'd like to put it behind me. I was talking on the phone to a friend about it today, and my heart started pounding and my hands started shaking again. It wasn't thrilling, it was devastating, although with a happy ending.
I should have written suspenseful but no fun experiencing it.
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Old 03-21-2020, 08:37 AM   #256
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Got an email this morning Navy Federal is waiving the early withdrawal penalty on their CDís. Maybe take some out and put in stocks! Lol.
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Old 03-21-2020, 08:41 AM   #257
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Got an email this morning Navy Federal is waiving the early withdrawal penalty on their CD’s. Maybe take some out and put in stocks! Lol.
Of course they are, look for others to follow, we are making 3%+ on ours why would we take em' out.

PS. I did detect an air of Sarcasm in your post.
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Old 03-21-2020, 08:47 AM   #258
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Got an email this morning Navy Federal is waiving the early withdrawal penalty on their CDís. Maybe take some out and put in stocks! Lol.
I'm doing the opposite... while the 3.5% IRA CD that I bought last summer doesn't allow additional deposits they have opened a special temporary window from now until 4/30 to make additional deposits so I topped my IRA CD up to the NCUA limit... I'l skim off interest each year as needed.
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Old 03-21-2020, 08:48 AM   #259
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Of course they are, look for others to follow, we are making 3%+ on ours why would we take em' out.


Agree. Iím so glad we have those 3+% CDís now. One thought I had was to put my immediate money (currently in MM) into the Navy 2.25% CD (we set up with $50 and it allows additional deposits).
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Old 03-21-2020, 01:10 PM   #260
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Best CD, MM Rates & Bank Special Deals Thread 2020 - Please post updates here

I didnít get the email but I see it listed among other temporary response measures to support members needs during the pandemic. Itís perfect timing for me to buy something on sale.

Edit: thanks for the heads up.
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