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05-29-2023, 12:44 PM
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#1421
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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: 7,879
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Marcus $100 bonus on $10k new money for 3 mos hit my account!! I had basically moved the money out and back in to qualify but I was pretty sure I had missed out on the bonus. FYI they are paying 4.15 APR and they still have 3 mo 1% referral bonus. I think you can also stack the AARP .1% for 24 mos.
Anybody need a referral?
https://themoneyninja.com/marcus-100-savings-bonus/
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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05-29-2023, 12:49 PM
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#1422
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Aug 2013
Location: Lost
Posts: 9,825
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 Quote:
Originally Posted by Car-Guy
Anyway, I've been in this 401k for over 40 years and never lost a dime. Some years have been pretty lean but I've always made money.
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Quote:
Originally Posted by jazz4cash
How is that even possible?
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Oh it's very possible.
They pay on a quarterly basis and I was always heavily invested in pretty conservative and/or exclusively fixed income investments. The last 20 years it's been 100% in fixed income. Some quarters it wasn't a lot but it was always positive. The last several quarters have been record payments for me.
__________________
I don't know how to act my age since I've never been this old before.
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05-29-2023, 01:10 PM
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#1423
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Full time employment: Posting here.
Join Date: Mar 2019
Posts: 648
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05-29-2023, 04:38 PM
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#1424
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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: 7,879
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Quote:
Oh, yeah that’s how.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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05-30-2023, 09:11 AM
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#1425
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Recycles dryer sheets
Join Date: Dec 2006
Posts: 458
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Quote:
Originally Posted by jazz4cash
How is that even possible?
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He lost a few quarters.
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05-31-2023, 10:27 AM
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#1427
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Thinks s/he gets paid by the post
Join Date: Feb 2007
Posts: 2,513
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American Express announced a rate increase on it's high yield savings account effective 5/31 to 4.0% - this is up from the increase of 3.90% announced on 5/16.
A 12-month-CD is now 4.25%, and 24-months are at 4.0%. All other terms are lower.
- Rita
__________________
Only got A dimple, would have preferred 2!
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05-31-2023, 11:00 AM
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#1428
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Aug 2013
Location: Lost
Posts: 9,825
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Schwab has 2 year CD's available @ 5%. For shorter term CD's (3,6,9,12 and 18 mos) they are as high as 5.3%.
__________________
I don't know how to act my age since I've never been this old before.
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05-31-2023, 05:50 PM
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#1429
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Full time employment: Posting here.
Join Date: Aug 2018
Posts: 597
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VMFXX Vanguard Federal Money Market Fund and VUSXX Vanguard Treasury Money Market Fund both have a 7 day SEC yield of 5.04%. Usually the Treasury MM fund is less than the Federal MM fund. This is the 1st time I saw them with the same 7 day yield.
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05-31-2023, 06:18 PM
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#1430
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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: 7,879
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Just bought Ally 18mo @ 5.15 non callable at Fidelity.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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05-31-2023, 06:26 PM
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#1431
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Recycles dryer sheets
Join Date: May 2008
Posts: 265
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Quote:
Originally Posted by jazz4cash
Just bought Ally 18mo @ 5.15 non callable at Fidelity.
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I was eyeing a call protected 1yr from UMB at 5.30 today. Almost pulled the trigger.
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05-31-2023, 11:59 PM
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#1432
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Recycles dryer sheets
Join Date: Apr 2005
Posts: 114
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NASA Federal Credit Union May -> June changes
9-month 5.50% -> 5.65%
15-month 5.30% -> 5.45%
49 month 4.60% -> 4.85%
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06-01-2023, 08:40 AM
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#1433
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Thinks s/he gets paid by the post
Join Date: Jan 2019
Location: Sunny California
Posts: 2,217
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Darn it, Nasa opened my 3 Roth CD's yesterday. Oh well they still got a really good rate.
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06-01-2023, 11:08 AM
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#1434
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Recycles dryer sheets
Join Date: Jan 2010
Posts: 476
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06-01-2023, 12:23 PM
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#1435
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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: 36,139
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Quote:
Originally Posted by Earl E Retyre
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Thanks! Just in time for my 7 month 5% CD that matures June 11.
I’m sure that’s why it popped up as a new special.
__________________
Retired since summer 1999.
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06-01-2023, 12:42 PM
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#1436
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Aug 2013
Location: Lost
Posts: 9,825
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Just after this CD craze really got going last year, some of the first few I bought (see below) were for ~9mo terms and will mature this month. Glad I only bought them for 9mos.  I think I'll be re-investing immediately for 18mos and over 5%.
Rate ------Term ---- Maturity Date
3.00% --- 9.00 ------ 6/9/23
3.15% --- 9.00 ------ 6/14/23
4.10% ----9.00 ------ 6/27/23
__________________
I don't know how to act my age since I've never been this old before.
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06-02-2023, 12:10 PM
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#1437
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Recycles dryer sheets
Join Date: Dec 2006
Posts: 458
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The 3-5 yr rates on Fidelity's brokered non-callable CDs hasn't move in weeks. 
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06-02-2023, 05:20 PM
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#1438
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Recycles dryer sheets
Join Date: Sep 2007
Location: near L.A.
Posts: 284
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Quote:
Originally Posted by Earl E Retyre
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what is a share certificate? is it the same as a CD ?
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06-02-2023, 05:55 PM
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#1439
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,726
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Quote:
Originally Posted by ER_Hopeful
what is a share certificate? is it the same as a CD ?
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It is the credit union analog of a CD. CDs can only be issued by banks. FDIC insurance is given on deposits at banks, not credit unions. Credit union products are insured by NCUA, the credit union analogy of FDIC. NCUA, like FDIC, insures up to $250k per depositor ("member-owner") per institution.
https://www.experian.com/blogs/ask-e.../fdic-vs-ncua/
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06-05-2023, 07:53 AM
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#1440
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Recycles dryer sheets
Join Date: May 2009
Location: Tampa
Posts: 191
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Good am. I had a CD come due today, it was 3.25% for 5 Years. On fence about getting a 5 yr CD for 4.55% $200k or going for a shorter time. EWP is 180day interest. I will not need the money before 5 years. Any suggestions? I can't see rates going much higher
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