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Search: Posts Made By: audreyh1
Forum: FIRE and Money 03-28-2020, 05:46 AM
Replies: 298
Views: 23,081
Posted By audreyh1
I notice that all the Andrews FCU CD specials...

I notice that all the Andrews FCU CD specials have vanished. Glad I moved earlier to catch what I could.
Forum: FIRE and Money 03-19-2020, 05:09 AM
Replies: 298
Views: 23,081
Posted By audreyh1
Right, and you have until 3/31 to send in the new...

Right, and you have until 3/31 to send in the new money.
Forum: FIRE and Money 03-19-2020, 04:47 AM
Replies: 298
Views: 23,081
Posted By audreyh1
Yes, that alone made me nervous about it,...

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.
Forum: FIRE and Money 03-19-2020, 04:42 AM
Replies: 298
Views: 23,081
Posted By audreyh1
OMG! So glad it was just close!

OMG! So glad it was just close!
Forum: FIRE and Money 03-16-2020, 05:20 AM
Replies: 298
Views: 23,081
Posted By audreyh1
Yes, fortunately I had done a bunch in Jan, and...

Yes, fortunately I had done a bunch in Jan, and then sped up one right after the first Fed rate cut plus set up a rollover.

My Ally CDs rollover today. They just dropped their no penalty rate...
Forum: FIRE and Money 03-13-2020, 05:36 PM
Replies: 298
Views: 23,081
Posted By audreyh1
Yes I will. I just have to bring over another...

Yes I will. I just have to bring over another $25K.
Forum: FIRE and Money 03-13-2020, 04:27 PM
Replies: 298
Views: 23,081
Posted By audreyh1
I had locked in several 1.9% no penalty CDs last...

I had locked in several 1.9% no penalty CDs last month. I just recently (after the Fed emergency rate cut) decided to roll over two maturing CDs to more no-penalty CDs and try to catch the loyalty...
Forum: FIRE and Money 03-13-2020, 04:25 PM
Replies: 298
Views: 23,081
Posted By audreyh1
Well, I could have. I was just hoping the...

Well, I could have. I was just hoping the rollover would happen before they made changes and I would get the rollover loyalty bonus as well. It's not that big of a deal. I already have some of the...
Forum: FIRE and Money 03-13-2020, 09:10 AM
Replies: 298
Views: 23,081
Posted By audreyh1
FZDXX will continue to drop in yield, just FYI.

FZDXX will continue to drop in yield, just FYI.
Forum: FIRE and Money 03-13-2020, 08:40 AM
Replies: 298
Views: 23,081
Posted By audreyh1
Hmmmm - a bunch of my funds are tied up in...

Hmmmm - a bunch of my funds are tied up in short-term CDs, and I am close to FDIC limit at Ally already as I bought several CDs earlier this year. I got the email.

Oops, they just dropped their...
Forum: FIRE and Money 03-10-2020, 05:28 AM
Replies: 298
Views: 23,081
Posted By audreyh1
No, it’s not yielding that. It’s down to 1.33% as...

No, it’s not yielding that. It’s down to 1.33% as of yesterday. These are all dropping fast.

Here is a useful Fidelity link to see all current yields...
Forum: FIRE and Money 03-07-2020, 09:54 PM
Replies: 298
Views: 23,081
Posted By audreyh1
That 2.1% 13 month special CD does exist, or did...

That 2.1% 13 month special CD does exist, or did - I bought a couple 2 weeks ago, and I had to web search for it to get a link to use.

But I think if you go through the actual open account process...
Forum: FIRE and Money 03-06-2020, 07:15 PM
Replies: 298
Views: 23,081
Posted By audreyh1
After the emergency Fed rate slash this week: ...

After the emergency Fed rate slash this week:

I went ahead with one more CD for very short term funds - using the 8 month 2.05% APR CD special from Andrews FCU.

And when my existing CDs mature...
Forum: FIRE and Money 03-05-2020, 06:33 PM
Replies: 298
Views: 23,081
Posted By audreyh1
These answers were easy to find searching the...

These answers were easy to find searching the internet.

The long drawn out stuff you remember from 2008 was probably settlement of money market funds that had broken the buck, settlements from...
Forum: FIRE and Money 03-05-2020, 02:59 PM
Replies: 298
Views: 23,081
Posted By audreyh1
https://www.fdic.gov/consumers/consumer/news/cnfal...

https://www.fdic.gov/consumers/consumer/news/cnfall14/misconceptions.html
Forum: FIRE and Money 03-05-2020, 12:33 PM
Replies: 298
Views: 23,081
Posted By audreyh1
My understanding is that interest paid on the...

My understanding is that interest paid on the CD/account is still covered. Certainly true for FDIC insurance, and NCUA coverage is essentially identical, just covering different financial...
Forum: FIRE and Money 03-01-2020, 05:13 AM
Replies: 298
Views: 23,081
Posted By audreyh1
I think some might wait until the Fed drops...

I think some might wait until the Fed drops rates. 1 month treasury had been holding at 1.6%, well until Friday, when it crossed under 1.5%!

So, yeah - 1.5% seems likely.
Forum: FIRE and Money 02-24-2020, 04:32 PM
Replies: 298
Views: 23,081
Posted By audreyh1
Yep.

Yep.
Forum: FIRE and Money 02-24-2020, 03:15 PM
Replies: 298
Views: 23,081
Posted By audreyh1
Mentioned in post #51

Mentioned in post #51
Forum: FIRE and Money 02-22-2020, 11:23 AM
Replies: 298
Views: 23,081
Posted By audreyh1
Wow, watching the 5 year treasury interest rate...

Wow, watching the 5 year treasury interest rate drop like a rock! I’m glad I already finished locking in rates on a few short-term CDs.
Forum: FIRE and Money 02-15-2020, 05:31 AM
Replies: 298
Views: 23,081
Posted By audreyh1
Ally Bank recently came out with a 13 month 2.1%...

Ally Bank recently came out with a 13 month 2.1% CD special. They also raised their no penalty 11 month CD to 1.9% for $25K or mire. Was 1.85%.

I often park funds in their no penalty CDs at the...
Forum: FIRE and Money 01-15-2020, 10:20 AM
Replies: 298
Views: 23,081
Posted By audreyh1
When I opened an 84 month certificate long ago...

When I opened an 84 month certificate long ago the EWP was 180 days.

I have had no trouble opening CDs on the Andrews website although a while ago it did take me some time to figure out to click...
Forum: FIRE and Money 01-11-2020, 11:01 PM
Replies: 298
Views: 23,081
Posted By audreyh1
I’ve been taking advantage of the Andrews FCU...

I’ve been taking advantage of the Andrews FCU certificate specials of 8 month at 2.05%, 13 month at 2.15% and 17 month at 2.25%.
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