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Forum: FIRE and Money 04-02-2020, 01:45 PM
Replies: 298
Views: 23,081
Posted By pb4uski
Maybe a bunch of us should call and waste their...

Maybe a bunch of us should call and waste their time for a while for the fun of it.
Forum: FIRE and Money 04-02-2020, 12:17 PM
Replies: 298
Views: 23,081
Posted By pb4uski
IMO anytime you are not dealing directly with the...

IMO anytime you are not dealing directly with the bank that is issuing the CD other than brokered CDs from a recognized broker like Vanguard, Fido, Schwab, TDAmeritrade, et al, you should be...
Forum: FIRE and Money 03-25-2020, 12:28 PM
Replies: 298
Views: 23,081
Posted By pb4uski
I opened the account with $50 to lock in the CD...

I opened the account with $50 to lock in the CD by charging the $50 to my credit card. Then I'll move her Roth at Vanguard into Navy Federal.... say that is $90k so her balance will be $90,050. ...
Forum: FIRE and Money 03-24-2020, 01:23 PM
Replies: 298
Views: 23,081
Posted By pb4uski
+1 Just opened his and her NFCU 17-mo, 2.25% APR...

+1 Just opened his and her NFCU 17-mo, 2.25% APR CDs with $50 minimum by credit card and transferring additional deposit money from Vanguard by wire tomorrow.

Also opened Roth for DW and seeded...
Forum: FIRE and Money 03-21-2020, 08:47 AM
Replies: 298
Views: 23,081
Posted By pb4uski
I'm doing the opposite... while the 3.5% IRA CD...

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...
Forum: FIRE and Money 03-17-2020, 05:48 PM
Replies: 298
Views: 23,081
Posted By pb4uski
If I'm following the thread correctly though, one...

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...
Forum: FIRE and Money 03-12-2020, 08:02 AM
Replies: 298
Views: 23,081
Posted By pb4uski
+1 3.33% weighted average on credit union CDs...

+1 3.33% weighted average on credit union CDs and 5.82% on preferred stock portfolio, weighted average of 3.95% :dance:.... ~45% of portfolio but getting higher every day. :(
Forum: FIRE and Money 03-10-2020, 01:49 PM
Replies: 298
Views: 23,081
Posted By pb4uski
Here is what I found out about my 3.5% NFCU...

Here is what I found out about my 3.5% NFCU Traditional IRA CD. It is not an add-on CD.... but, under a promotional add-on option they are currently allowing additional deposits until 4/30/2020. So...
Forum: FIRE and Money 03-10-2020, 06:55 AM
Replies: 298
Views: 23,081
Posted By pb4uski
Discover Bank dropped to 1.6% when I looked at it...

Discover Bank dropped to 1.6% when I looked at it yesterday.
Forum: FIRE and Money 03-09-2020, 03:54 PM
Replies: 298
Views: 23,081
Posted By pb4uski
I left them a secure message asking the same...

I left them a secure message asking the same thing but I suspect that the answer is no because I bought mine the same time as you and I have a faint recollection of calling and asking back a few...
Forum: FIRE and Money 03-09-2020, 02:50 PM
Replies: 298
Views: 23,081
Posted By pb4uski
Similiar situation here.. Dad served but after...

Similiar situation here.. Dad served but after WWII.. but they accepted my enrollment and thankfully never asked for documentation... I think there might be some somewhere but it would be a scavenger...
Forum: FIRE and Money 03-09-2020, 12:50 PM
Replies: 298
Views: 23,081
Posted By pb4uski
I'm starting to feel like a freaking genius for...

I'm starting to feel like a freaking genius for loading up on those 3.5% and 3.0% CDs last summer.... while it is true that I haven't received the runup that bond funds have, the 3.0%-3.5% return for...
Forum: FIRE and Money 03-07-2020, 09:56 PM
Replies: 298
Views: 23,081
Posted By pb4uski
Got it. I guess I've got used to seeing some...

Got it. I guess I've got used to seeing some really nice juicy rates offered by some CUs that after a little research I figured out that I didn't qualify to join.
Forum: FIRE and Money 03-07-2020, 09:04 PM
Replies: 298
Views: 23,081
Posted By pb4uski
Dunno why you are so disappointed. That is the...

Dunno why you are so disappointed. That is the way credit unions work... they each have membership requirements that need to be met and you have to become a member before buying a CD. Pretty...
Forum: FIRE and Money 03-03-2020, 12:57 PM
Replies: 298
Views: 23,081
Posted By pb4uski
+1 but does one take a flyer and exceed the FDIC...

+1 but does one take a flyer and exceed the FDIC limit?

I haven't but the though has crossed my mind.
Forum: FIRE and Money 03-02-2020, 05:43 PM
Replies: 298
Views: 23,081
Posted By pb4uski
^^^^^ No disrespect but not very useful if...

^^^^^ No disrespect but not very useful if maximum deposit is $500/month
Forum: FIRE and Money 03-01-2020, 07:41 PM
Replies: 298
Views: 23,081
Posted By pb4uski
I'm feeling pretty good about having used my 1.7%...

I'm feeling pretty good about having used my 1.7% online savings to pay off my 3.375% mortgage back in December.
Forum: FIRE and Money 01-19-2020, 09:20 AM
Replies: 298
Views: 23,081
Posted By pb4uski
I worked in the industry and I think you're both...

I worked in the industry and I think you're both off-base. First, unless you're buying from an already troubled company, a 5-year SPDA has very little credit risk. The company would have to, within...
Forum: FIRE and Money 01-18-2020, 03:59 PM
Replies: 298
Views: 23,081
Posted By pb4uski
^^^^ And the surrender charges can be very...

^^^^ And the surrender charges can be very high.... commonly starting at 10% in the first year and grading down to zero over 10 years so much higher than a CD. However, most annuities allow you to...
Forum: FIRE and Money 01-16-2020, 02:58 PM
Replies: 298
Views: 23,081
Posted By pb4uski
The last part... "Chose which year to apply the...

The last part... "Chose which year to apply the funds" suggests that it applies to contributions only.
Forum: FIRE and Money 01-16-2020, 11:04 AM
Replies: 298
Views: 23,081
Posted By pb4uski
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