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04-07-2022, 06:50 AM
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#161
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Thinks s/he gets paid by the post
Join Date: Jan 2010
Location: dubuque
Posts: 1,163
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never had treasuries. is there a thread on here that discusses buying and selling them?
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04-07-2022, 07:28 AM
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#162
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Thinks s/he gets paid by the post
Join Date: Feb 2021
Posts: 2,324
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Quote:
Originally Posted by Freedom56
Here is an alternative to a CD. AT&T notes maturing 6/30/22 (in about 3 months) are now yielding 3.3%. The probability of default on these notes are nil. Bond funds are into forced selling at a loss due to redemptions. I'm going to put some limit orders on this one at about $98.75 to park some short term cash.
https://finra-markets.morningstar.co...ticker=C629795
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There must be a glitch on Vanguard's site. When I look up that CUSIP it shows maturity 4/30/22, but when I click on the little "info" icon, it links to the exact same FINRA page as you posted with the same information.
Well that wasn't confusing.
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04-07-2022, 07:33 AM
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#163
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Thinks s/he gets paid by the post
Join Date: Feb 2021
Posts: 2,324
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Quote:
Originally Posted by frank
never had treasuries. is there a thread on here that discusses buying and selling them?
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https://www.early-retirement.org/for...on-104000.html'
This thread says it's about municipal bonds but they talk about treasuries too. Some super knowledgeable people there. That's what got me into buying them.
Basically, buying treasuries is super easy. I'm with Vanguard. It's just a couple of clicks to pull up a list of current offerings filtered by duration, and then to put in a buy order for what you want. Just the same as buying brokered CDs.
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04-07-2022, 08:22 AM
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#164
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Thinks s/he gets paid by the post
Join Date: Jul 2002
Posts: 1,581
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Quote:
Originally Posted by frank
never had treasuries. is there a thread on here that discusses buying and selling them?
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While there is a very active secondary market for treasuries, I tend to keep simple, almost like dealing with bank CDs. In the last rising rate environment, I purchased new treasuries at auction (1-18 month) to form a ladder and always held to maturity.
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04-07-2022, 09:15 AM
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#165
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,304
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Quote:
Originally Posted by frank
never had treasuries. is there a thread on here that discusses buying and selling them?
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I don’t have any treasuries but it is super easy to navigate the Fidelity bond pages. Vanguard’s is similar. Which brokerage would you be using to buy?
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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04-07-2022, 11:36 AM
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#166
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Full time employment: Posting here.
Join Date: Jul 2018
Location: Valley of the Sun
Posts: 634
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If you have a brokerage account at any major brokerage, buying Treasuries is as easy or easier than opening another CD at a bank that you already have an existing account at.
__________________
"... the astrologer who lived in a tumbled old tower up the valley, and put in his nights studying the stars. Every one knew he could foretell wars and famines, though that was not so hard, for there was always a war and generally a famine somewhere."
-- Mark Twain, The Mysterious Stranger
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04-07-2022, 11:39 AM
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#167
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Thinks s/he gets paid by the post
Join Date: Feb 2014
Posts: 3,043
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Schwab and Vanguard both have bond pages to pick out and place a Treasury order. Very easy to do.
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04-07-2022, 11:42 AM
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#168
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2013
Posts: 9,358
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We've been putting all our cash into short term Treasuries. Might at well make a little money while we wait to buy anything longer until the Fed's planned rate increases top out.
__________________
Even clouds seem bright and breezy, 'Cause the livin' is free and easy, See the rat race in a new way, Like you're wakin' up to a new day (Dr. Tarr and Professor Fether lyrics, Alan Parsons Project, based on an EA Poe story)
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04-07-2022, 02:31 PM
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#169
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Full time employment: Posting here.
Join Date: Aug 2013
Location: New Jersey
Posts: 892
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PenFed just posted new rates:
3 Year
2.10%
4 Year
2.25%
5 Year
2.50%
7 Year
2.75%
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04-07-2022, 06:20 PM
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#170
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Thinks s/he gets paid by the post
Join Date: Sep 2014
Location: The Great Wide Open
Posts: 3,779
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I went to bank today to correct a double charge for check printing. First charge ever for checks in 20+years. Banking representative looked at our past banking history and bumped all of our accounts up to get more interest, freer checking, and no fees, provided we have a monthly balance over $5000. not a problem, we have $4600 in tenant's security deposits alone.
__________________
Give me Liberty or give me Death. Patrick Henry
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04-07-2022, 06:23 PM
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#171
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Thinks s/he gets paid by the post
Join Date: Jan 2013
Posts: 3,405
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Six figure balance plus the mortgage and Wells Fargo charges for everything...
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04-07-2022, 06:36 PM
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#172
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by frank
never had treasuries. is there a thread on here that discusses buying and selling them?
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Fidelity makes them easy to buy at govt auction no fee including rolling them over for you automatically.
__________________
Retired since summer 1999.
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04-07-2022, 07:51 PM
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#173
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Thinks s/he gets paid by the post
Join Date: Jan 2013
Posts: 3,405
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Quote:
Originally Posted by audreyh1
Fidelity makes them easy to buy at govt auction no fee including rolling them over for you automatically.
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You can choose to roll them over or the money comes back to you at maturity. When they paid higher interest, I usually had between five and ten going at once with different maturities.
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04-08-2022, 06:20 AM
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#174
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Thinks s/he gets paid by the post
Join Date: Jan 2010
Location: dubuque
Posts: 1,163
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vanguard. I thought i-bonds had a 10000 maximum or is that yearly?
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04-08-2022, 07:38 AM
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#175
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,304
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Quote:
Originally Posted by frank
vanguard. I thought i-bonds had a 10000 maximum or is that yearly?
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The ibond has a 10k per year max and the rate adjusts every 6 months for inflation. They can only be bought and sold on the Treasury Direct website. We have a long thread here on the topic.
The term treasuries usually refers to securities with 1 month to 30 yr maturities. They are very easy to buy or sell from any broker. The initial rate is set by auction when they are issued. That rate is fixed but the principal value of the security will adjust according to the market (supply, demand, inflation, etc).
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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04-08-2022, 08:10 AM
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#176
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,304
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If you search for Bonds on the Vanguard website, then choose "Bonds and CDs Overview" and then click "View Bond Rates" you will come to a table of Treasuries, CD's and Bonds of various maturities and ratings. The top rows are brokered CD's and Treasuries. If you click within the table, it will give more details for that particular security. Have fun and keep asking questions.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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04-08-2022, 09:01 AM
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#177
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Thinks s/he gets paid by the post
Join Date: Feb 2021
Posts: 2,324
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Quote:
Originally Posted by jazz4cash
If you search for Bonds on the Vanguard website, then choose "Bonds and CDs Overview" and then click "View Bond Rates" you will come to a table of Treasuries, CD's and Bonds of various maturities and ratings. The top rows are brokered CD's and Treasuries. If you click within the table, it will give more details for that particular security. Have fun and keep asking questions.
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Exactly this. It's super easy. You choose the duration you'd like and it gives you a list of available offerings in that range. Then you pick the one you want and buy it. The whole process takes under 5 minutes.
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04-08-2022, 11:20 AM
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#178
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Thinks s/he gets paid by the post
Join Date: Jan 2020
Location: Milwaukee
Posts: 3,941
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Quote:
Originally Posted by frank
vanguard. I thought i-bonds had a 10000 maximum or is that yearly?
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jazz4chash covered the essentials. I wanted to note to you that I-bonds are not marketable securities. I.e., there is no secondary market for you to buy or sell them. Only available through the Treasury itself.
__________________
The closing years of life are like the end of a masquerade party, when the masks are dropped. -Arthur Schopenhauer, philosopher (1788-1860)
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04-08-2022, 11:32 AM
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#179
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,201
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Quote:
Originally Posted by frank
vanguard. I thought i-bonds had a 10000 maximum or is that yearly?
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Yearly, per person. So between me, DW and 3 trusts (his, her and joint) we can do as much as $50k a year.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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04-08-2022, 07:51 PM
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#180
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Full time employment: Posting here.
Join Date: Aug 2018
Posts: 597
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Quote:
Originally Posted by jazz4cash
If you search for Bonds on the Vanguard website, then choose "Bonds and CDs Overview" and then click "View Bond Rates" you will come to a table of Treasuries, CD's and Bonds of various maturities and ratings. The top rows are brokered CD's and Treasuries. If you click within the table, it will give more details for that particular security. Have fun and keep asking questions.
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Quote:
Originally Posted by disneysteve
Exactly this. It's super easy. You choose the duration you'd like and it gives you a list of available offerings in that range. Then you pick the one you want and buy it. The whole process takes under 5 minutes.
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That is easy, I never knew this existed but I only have owned mutual funds. My bond funds are getting killed with rising rates and they are short term funds, maybe buying a 1 year T bill makes sense and the yields are far better than a CD. I assume you can do this in a roll over IRA?
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