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Mailed Offerings For FREE Life Insurance Coverage And/Or Death Benefits.
It has been my observation and experience over decades to receive such mailings after establishing an
account or other product at a bank or credit union. Without exception, I deep ... read more
Finding CD With Mild EWP, Finding Add-On Cds
I wonder if there's a place on the site where I can see what CDs with 2-5 year maturities have mild Early Withdrawal Penalties. Going to the info on each CD listed would take an in... read more
Ally Customer Service
Has anyone noticed a significant decline in the quality of Ally's online customer service? It has been taking them a full week to answer the most basic questions, if they even answ... read more
Municipal Bonds
Why aren't high quality municipal bonds sought after like CDs? Or are they? Should I invest in them like I do CDs?... read more
Ad-On CD EWP Rules/Calculations
I wonder if folks can help me with this:
I've come across some relatively long-term ad-on CD offers. What I've done is open them with a very small minimum funding, which is irrelev... read more
Advice Needed, CD Ladder Or Not?
I am currently evaluating the two scenarios below:
Scenario 1 (No Ladder)
Invest equal amount in four different 5-year CDs (two with 3.50% APY, one with 3.60% APY and another one ... read more
Do You Ever Play The Float?
Monday, I wrote a check for my remaining ally funds to Northern and dropped it in the mail. The ally funds are in their no penalty CDs. They offer no way to automatically close & t... read more
Does The IRS Mandate That 1099S Be Snail Mailed?
I know that most are available online. Does the IRS mandate that they be snail mailed?... read more
Best Add-On Cds?
Ken, in his blog on the Powell speech today, spoke of Ally Bank's 3.10% 5 year add on cd as an example of one way to play the fact that rates may have seen their peaks, and hedging... read more
America First Credit Union (Utah)
Just curious why this CU is not mentioned on the Deposit Accounts website.... read more
Which Would You Prefer And Why? 15 Month At 3.10, 16 At 3.15 Or 17 Months At 3.20%
The premier rep I spoke with insisted all 3 are still available and would be next week.
Assuming she is correct, which deal would you get?
(I understand that all 3 are not listed... read more
Anyway To Reduce AGI
All the interest I made this year bumped me into the next tax bracket by abut 5K. The extra 5K will cost we 12K. I'll probably give all me interest in taxes due to the bump. Can yo... read more
Best Way To Maximize Checking With Savings
So i do a fair amount of automatic withdrawals each month, maybe 10-15. I also write some paper checks. Bottom line is, I well exceed the max of 6 transactions of a savings acct. I... read more
How To Keep Credit Union Membership Alive After CD Matures?
Being a loyal follower of this site, I have collected memberships and benefited from many credit unions. Once the CDs mature and taken out, the basic share account requires various... read more
Anyone Have Experience Paying Estimated Taxes Electronically?
The IRS is not answering calls since the government is closed so I may not get my 2019 1040 Estimated Tax Vouchers in time. I was just reading about paying them electronically thro... read more
Is Customer Service More Important Than Yield?
I'm fairly new to online banking & savings. And sure, finding the highest CD and savings yield is always good. But how much importance do you place on customer service? And the... read more
CIT - If Withdraw Mid-Month, Get Accrued Interest?
Hi everyone - For every bank I've ever banked with, interest paid at the end of the statement period is based on the average daily balance, compounded, and wanted to confirm that i... read more
How Do I Send A Private Message?
I am able to respond when someone messages me but I cant figure out how to message someone else.
Clicked on their username & nothing happens. And there does not seem to be a place... read more
Is There Any Way To Have A Credit Union Request A NON-IRA Transfer For You From Another Bank Or Credit Union When You Are Out Of The Country And Can't Handle It Yourself
I want to take advantage of a good rate at Institution A but will be out of the US when my CD matures at Institution B. Is there any way I can set up the CD at Inst. A and have the... read more
Required Minimum Distributions For Iras And Which Year Is The Uniform Lifetime Factor Figured On?
My local bank has made a mess of this small IRA I have with them, I don't think their IRA Dept. even knows how to explain what they are doing. Soooo can one of our able posters who... read more