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Latest Questions
To Sell Or Not To Sell ?
I’m sure I’m not the only one with sub 5% 60 month brokered CD’s on here. I have a few left. One in particular-60 month @ 4.5 for $100k.
I can dump it for a profit if I act today... read more
PNC BANK CHECK HOLD
I recently deposited a check in my PNC bank account ,Where or how can I find out the availability date .?
And when my funds will be available?... read more
Best Rates On A CD Ladder?
I want to set up a 7 year non callable CD ladder with monthly dividend, and so far it looks like Crescent Bank looks pretty good:
1 year 5.15% APY
2 y 5.05
3 y 4.80
4 y 4.55
5 y 4.... read more
Advancial 5 Year 5.40%
You guys are all smarter than me, and all of your opinions are invaluable. I have a 50,000 treasury maturing on February 22, 2024 at Schwab. If it were you, would you use margin to... read more
Savings Acct Rates
What 3 U.S. banks consistently offer the highest rate year around? THANKS... read more
Choices Of Cds?
The rates will probably drop tomorrow when business starts up again, but if they don't, what would you folks do? This would be for IRA money in January.
#1) 2.5 years @ 5.48
#2) 5... read more
Question On Bank Failures
If the bank fails. Are we still covered for more than 250k with joint holders and or beneficiaries?... read more
Anybody Buying Ibonds In January 2024?
Well, I thought I would venture into the 2024 ibond purchase topic:
Mr. Google and I says this is what you would get for the first 6 months.
"The 5.27% composite rate for I bonds ... read more
Webroot From Ally Bank
I got some kind of pop up that says mine has expired. As best I can tell it's still supposed to be free.
Anyone else have this issue?... read more
IRA Distribution Without Early Withdrawal Penalty
Are there credit unions other than PedFed that will allow distributions from an IRA CD without early withdrawal penalty if you are over 59.5 years?... read more
Do You Guys Accept Or Reject These Amended Arbitration Provisions?
Just received another one, this time from Popular Direct. Of course, this is in their best interest, but they spin it that it’s mutually beneficial. As a CD only customer, is it ev... read more
5 Year Highest Cd Rate Vs 5 Tear Fixed Rate Annuity
Has anyone looked into 5 year highest paying cd rate vs 5 year fixed income annuities paying 6% by A rated insurance companies?
What are the pros & cons investing in bank cd vs fi... read more
Which Banks/CUs Hold The Rates?
I have a CD maturing on January 3rd and starting to plan ahead. I know that some banks and CUs hold the rate for a period of time before receiving the funds. I believe Synchrony wi... read more
Any Banks/Cus Allowing CD Initial Funding By Credit Card?
Perhaps this is faux pas and frowned upon by the community but as I'm still a large financial literacy n00b, if it is, pardon me and I'll take the lumps as they come.
I was wonder... read more
Best "Safe" Fixed Income Investments Of 2023
2023 was a good year for savers with the Fed funds rate continuing to rise from 4.5% to 5.5% while trailing 12 month CPI-U inflation fell from 6.4% to 3.9%. that combination result... read more
GTE Financial Cds And IRA Cds:Any Way To Avoid Early Withdrawal Penalties ?
I have IRA CDs at GTE Financial in Dallas. I need to close them and move the money to higher paying CDs at other institutions. Is there any way to do this ? At one point in the pas... read more
BMO Alto Issues .................
Recently opened a CD on-line two weeks ago. Attempted to log in and something does not seem correct. Entered my username and password and a box popped up wanting me to verify my id... read more
CIT Bank Closed My Savings Account!
Got the email this morning that they're closing the account and mailing me a check! WTF!!! Imagine the interest money I'll lose waiting for that check and then waiting for it to cl... read more
What Do You Think About PIMCO Income Fund?
I respect the opinions and advice shared here and was wondering what you guys think of the PIMCO Income Fund (PIMIX)? I know this is mainly a CD forum but I’ve seen other income-pr... read more
Do You Feel The Rug Being Pulled Out From Under You?
Well boys and girls, I think our CD party is drawing to a close. It was fun while it lasted. But I truly hope that I’m dead wrong and that long-term CD rates will make another upwa... read more