Search found 27 matches

by denarius
Fri Jan 16, 2015 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed CD rates up. 2% max.
Replies: 29
Views: 5561

Re: PenFed CD rates up. 2% max.

The 49-month 2.25% APY from NASA Federal Credit Union seems worth considering: https://www.depositaccounts.com/cd/4-year-cd-rates.html https://www.nasafcu.com/rates/share-certificate-rates/ 6-months early withdrawal penalty. https://www.nasafcu.com/pdf/CertificateTerms.pdf Unless you've been a memb...
by denarius
Fri Jan 16, 2015 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed CD rates up. 2% max.
Replies: 29
Views: 5561

Re: PenFed CD rates up. 2% max.

While you cannot "pull" money into NASA CD via ACH for 60 days, you can easily ACH "push" it into your (requisite $5) share savings account immediately, then fund a CD. Wire transfer is not required for quick money movement. Thanks for the tip! FWIW, the 3 people I dealt with there today were profe...
by denarius
Fri Jan 02, 2015 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed CD rates up. 2% max.
Replies: 29
Views: 5561

Re: PenFed CD rates up. 2% max.

It looks like Synchrony bank is still offering 5 year CDs at 2.2 or 2.25% depending on amount invested. I don't immediately see the EWP. I haven't taken them up on the offer, but I'm considering it again. https://myoptimizerplus.com/banking/products/cd/index.htm EWP = 180 days simple interest on th...
by denarius
Fri Jan 02, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed CD rates up. 2% max.
Replies: 29
Views: 5561

Re: PenFed CD rates up. 2% max.

It was not easy to get my account opened at NASA, and their customer service staff is neither professional nor helpful nor friendly. While you cannot "pull" money into NASA CD via ACH for 60 days, you can easily ACH "push" it into your (requisite $5) share savings account immediately, then fund a C...
by denarius
Fri Jan 02, 2015 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed CD rates up. 2% max.
Replies: 29
Views: 5561

Re: PenFed CD rates up. 2% max.

The 49-month 2.25% APY from NASA Federal Credit Union seems worth considering: https://www.depositaccounts.com/cd/4-year-cd-rates.html https://www.nasafcu.com/rates/share-certificate-rates/ 6-months early withdrawal penalty. https://www.nasafcu.com/pdf/CertificateTerms.pdf Unless you've been a membe...
by denarius
Wed Mar 03, 2010 2:04 am
Forum: Personal Consumer Issues
Topic: Any musicians here ?
Replies: 16
Views: 1715

Also, chords for many songs are available online. e-chords.com displays chord names above the lyrics. If you click the "show chords" button on the left, diagrams of piano fingerings appear along the right side of the page (though it can be handy to have a printed reference chart of common chords and...
by denarius
Thu Oct 22, 2009 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Why is a Short-Term Bond Fund Okay in a Taxable Account?
Replies: 15
Views: 4085

Hi Shaoya,

Alliant Credit Union is paying 1.75% APY for checking and 2.00% APY for savings accounts.
by denarius
Thu Oct 08, 2009 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union - 2% savings 1.75% checking APY
Replies: 7
Views: 3066

My experience with them over the last 6 months has also been excellent. One caveat: I had seen recommendations to avoid their online application process because it would fail, requiring retries and resulting in multiple credit pulls. After a friend's online application succeeded I tried it and it di...
by denarius
Fri May 15, 2009 1:12 pm
Forum: Investing - Theory, News & General
Topic: bit more on the dangers of muni bonds
Replies: 71
Views: 10317

stratton wrote:Right now the term "ultra-short" is probably toxic waste for bond investors. :(
Could you please explain why you say that?

Thanks.

Edit: Oh, that's OK, I see you are referring to "the term" rather than that fund.
by denarius
Wed May 13, 2009 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: bonds versus cds
Replies: 27
Views: 5413

Wow, bozo, kudos to you for drilling past the muddle to find the gem, and for putting a bright light on it for us!
by denarius
Wed May 13, 2009 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: bonds versus cds
Replies: 27
Views: 5413

Re: bonds versus cds

PS: PenFed has the same withdrawal privilege Looking into that on PenFed's website, they seem to be sending a mixed message: Unlike other financial institutions, Pentagon Federal allows members to take partial amounts from their IRA certificates, or qualified distributions, without an early withdra...
by denarius
Wed May 06, 2009 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Rejected when trying to open online credit union account
Replies: 16
Views: 3442

2.25% APY for a regular checking account
2.50% APY for savings
by denarius
Wed May 06, 2009 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Rejected when trying to open online credit union account
Replies: 16
Views: 3442

I was told that I could request any amount and receive it by check or in person at a branch. Does this disagree with your info? Now I'm wondering if there's a restriction on amounts transfering between savings and checking Yes, there are easy workarounds to the $10k limit per external outgoing tran...
by denarius
Wed May 06, 2009 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Rejected when trying to open online credit union account
Replies: 16
Views: 3442

Alliant account holders-- are you happy with the credit union otherwise? I am just finishing setting up links to external accounts and paycheck direct deposit, so my impression isn't backed by long experience. But I think they're great -- excellent rates and very responsive to "secure email" questi...
by denarius
Wed May 06, 2009 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Rejected when trying to open online credit union account
Replies: 16
Views: 3442

As a previous responder indicated, the only sure lesson to be learned from this is that Alliant's online application process is flawed. I had been warned by others on this board, but tried it anyway and failed. I got the paper application and succeeded.
by denarius
Mon Apr 27, 2009 1:39 am
Forum: Investing - Help with Personal Investments
Topic: CDs over Bonds?
Replies: 20
Views: 4231

Johnson Bank has a one year CD at 3.05% and a 3 year CD at 3.55%. The three year one is interesting though, as you have a one-time option to withdraw up to 50% of the amount of your CD without penalty after you have had it on deposit for over 90 days. www.johnsonbank.com Can you please point me to ...
by denarius
Sun Apr 05, 2009 12:00 am
Forum: Investing - Theory, News & General
Topic: David Brooks on our current difficulties
Replies: 10
Views: 2983

I think David Brooks makes his living interpreting events in ways that are beneficial to the oligarchy that Simon Johnson alludes to in his Atlantic article "The Quiet Coup". Of course he wants to promote the view that stupidity is the cause. I don't understand the urge expressed by others to "move ...
by denarius
Wed Mar 18, 2009 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: CD early-withdrawal fees
Replies: 4
Views: 1359

Re: CD early-withdrawal fees

Thanks very much for the info: terms vary; don't make assumptions; the details are in the disclosure.

I won't count on convincing a manager to cut me some slack if I have to bail on the deal, but if I find myself in that situation I will remember the tip that it doesn't hurt to ask.
by denarius
Wed Mar 18, 2009 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: CD early-withdrawal fees
Replies: 4
Views: 1359

CD early-withdrawal fees

I realize the definitive answer will come from phoning specific institutions about their policies, but I'm hoping forum members may know from their own experience or research the answer to this question: Is it usually the case that any early-withdrawal from a CD will terminate the CD and trigger the...
by denarius
Mon Mar 02, 2009 10:50 am
Forum: Investing - Theory, News & General
Topic: After-tax returns - ST Federal vs. ST Tax-Exempt vs. CD
Replies: 1
Views: 757

The answer seems to be... yes, it is appropriate to compare those numbers without bringing other considerations into the calculation. Sometimes a low-risk bond fund in a taxable account will return more after-tax than a tax-exempt bond fund or any available CD rate. Worth considering are: past perfo...
by denarius
Sun Mar 01, 2009 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: CDs or Money Markets
Replies: 36
Views: 7278

I'd like to generate some charts like that. I see that the chart was generated at finance-yahoo-com (I'm not allowed to post it with dots), but could you clue me in as to just where on that site you went to request it? Thanks in advance. Key the following, say when you are posting a reply: <img src...
by denarius
Sun Mar 01, 2009 4:02 am
Forum: Investing - Theory, News & General
Topic: After-tax returns - ST Federal vs. ST Tax-Exempt vs. CD
Replies: 1
Views: 757

After-tax returns - ST Federal vs. ST Tax-Exempt vs. CD

The 1 year "Returns after taxes on distributions and sale of fund shares" listed for these Vanguard funds (investor shares) is: Short-Term Federal (VSGBX): 4.54% Short-Term Tax-Exempt (VWSTX): 3.56% During this 1-year period would $10k of Short-Term Federal fund shares held in a taxable account be w...
by denarius
Sat Feb 28, 2009 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance
Replies: 21
Views: 4245

Today is renewal time for my Geico coverage as well. I looked at Progressive and found I could get much higher liability coverage for a few dollars more, so I went with them. I haven't any accidents during the period of the Geico coverage and therefore only know each company through their websites. ...
by denarius
Sat Feb 28, 2009 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: CDs or Money Markets
Replies: 36
Views: 7278

Die Hard wrote:According to the above chart...
Die Hard,

I'd like to generate some charts like that. I see that the chart was generated at finance-yahoo-com (I'm not allowed to post it with dots), but could you clue me in as to just where on that site you went to request it?

Thanks in advance.
by denarius
Sat Feb 14, 2009 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Ltd Term Tax Exempt for Emergency Cash/Bond position
Replies: 13
Views: 3199

Short-term tax exempt is about as volitile as I can handle for my emergency fund
Do you folks have any thoughts on the difference between the YTD performances of Short-Term Tax Exempt (0.89%) and Ltd-Term Tax Exempt (2.14%)?

Thanks in advance.
by denarius
Sun Jan 25, 2009 2:21 am
Forum: Investing - Theory, News & General
Topic: Swedroe & Ferri: Asset Location Maximum Holdings
Replies: 20
Views: 5112

Mel Lindauer wrote:Distributions should go to a money market and then be used for rebalancing purposes.
Does that recommendation hold for bond funds in tax-deferred accounts as well?

Thanks.