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Latest Questions
What Comes After A Trillion?
asking for a friend.... read more
Can A Bank Back Out Of A Cd ?
an investor can cancel order before settlement.
can a bank cancel a brokered cd offering?
Or, once listed, they are obligated?... read more
Navy FCU IRA CD Rate Negotiation 18Mth CD At 4.50% And 4.55%
Have you thought about negotiating your IRA CD rate to the higher rate effective March 6, 2023 on 18mth CD at 4.50% and 4.55%? I see a lot of possibilities with this rate change. 1... read more
Does Primis ACH Withdraw Limit Apply Separately To Each Checking And Savings?
1) When you go to Primis to initiate a push, what is the ACH out limit? I have heard that it is 30k per day and 100k per rolling 30 days. But if you have checking and savings, can ... read more
Pricing Of Interest Rates Is A Conundrum.
if there is demand for higher rates, it would seem that rates would go down.
Because, to "buy" that interest rate one has to buy the vehicle (bond, cd etc) that controls it. So, it... read more
Navy FCU 3% 5 Year CD's Opened In 2019 And Maturing In 2024 Can Be Negotiated
Do you have any NAVY FCU (non IRA) 3% 5 year cd's opened in 2019 and maturing in 2024? If so, you can move to Navy FCU 5% 15 month add-on CD with no EWP. Please see comment by mbak... read more
I Bond Vs Long Term TIPS
I Bond (1 to 30 year duration): limited purchase amount, 0.4% yield above inflation, better relative deflation protection, minimum one year holding period, tax deferred option, 3 m... read more
Impact Of Rate Chasing On Chexsystems Score
I recently checked my ChexSystems score (which is available for free at their website) and was surprised to find it was 639. My FICO score on the other hand is 820 and I have no bl... read more
CIT Online Banking Site Now Closed With No Access To Funds At New Bank!
CIT online bank now redirects to First Citizens with no access to my funds. Is anyone here in this situation? I am very distressed. I emailed them but could not make phone contact.... read more
Finding 5.25 Percent Callable 5 Years On Etrade
Burke Herbert Finl Svcs Corp
Callable 03/24@100 5.25 03/15/2028... read more
Maximize NCUA Coverage
Friends,
My wife and I have a Joint Account (no beneficiaries) at a small credit union with $500K so we’ve hit the NCUA limit on that account. If I open an individual account at th... read more
GTE Won’T Waive EWP
Despite our good friend SouthernGirl’s advice, I’ve been unable to get GTE to waive the EWP for a higher yielding and longer term CD. I’ve talked to everyone and their brother over... read more
Who Has Ease Of ACH Transfers And > 4% HYSA Or MM?
Looking for a bank/CU that offers >4% apy AND has minimal restrictions on transferring funds in/out. I currently utilize Ally as hub account b/c they offer unlimited linked externa... read more
Chexsystems Does Inquiry On A Beneficiary
I opened an IRA and listed my wife as beneficiary. The bank did a chexsystems inquiry on my wife (and me too) even though she has never initiated any type of business with the bank... read more
Are We Past The Peak Rates For A 3-5 Year CD?
The 10YR T-note hit 3.96% today. That's up from only 3.40% on 2/1.
So are we really past THE peak for 3-5 year CD's or was just under 5% APY on a 5 year CD just A peak? It seems p... read more
More In Branch Visits Required By CU's?
I've been moving CD's around for quite a while, maybe it's just a coincidence, but a few days ago, I was all ready to open a Cert. with Golden 1 CU. as a new member. Got to the end... read more
Fidelity- % Of Income From U.S. Government Securities Form Needed
Fidelity can't seem to find or locate this form. They only have the form for "mutual funds" not money market funds. Trying to adjust state income taxes- anyone have the form for 20... read more
Is EWP Deductible On State Taxes?
Does anyone know if the EWP for closing a CD early is deductible on
my California state income tax return? Thank you.... read more
With High Interest Rates Should I Cash Out My HSA Now?
Need your opinions, folks. What would you do?
With high interest rates now, does it pay at all to continue with my old HSA?
-I no longer qualify to add new $ to my HSA but have ab... read more
CD Ladder - Rudimentary
I am going in circles trying to educate myself about CD Laddering!
Appreciate if anyone can explain it to me in lame language,
What is the basic premise of CD Ladder and the funda... read more