Search found 9831 matches

by Kevin M
Thu Sep 20, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Bond Funds vs. Individual Bonds: Can someone quanitfy?
Replies: 31
Views: 1675

Re: Bond Funds vs. Individual Bonds: Can someone quanitfy?

The duration of the bond or fund is the number of years you have to wait such that you'd make your lost principal back in interest payments after rates start rising. I've not heard this definition of duration before. Do you have a source that you can provide that would help to explain your assertio...
by Kevin M
Thu Sep 20, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Bond Funds vs. Individual Bonds: Can someone quanitfy?
Replies: 31
Views: 1675

Re: Bond Funds vs. Individual Bonds: Can someone quanitfy?

Vanguard Total Bond Market holds 8486 individual bonds, and is constantly buying new ones as old ones mature. I don't think VBTLX generally holds bonds to maturity. They have a 54.6% turnover ratio , suggesting that they are constantly selling bonds at market value (i.e. a capital loss in a rising ...
by Kevin M
Thu Sep 20, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Bond Funds vs. Individual Bonds: Can someone quanitfy?
Replies: 31
Views: 1675

Re: Bond Funds vs. Individual Bonds: Can someone quanitfy?

Going back to the middle of the Depression, in 1930, a constant maturity fund of 10-year bonds has never lost money over ANY 10-year period. That might provide some comfort. Is that really true? If so, that does provide comfort and alleviates all my nagging worries! Unfortunately, this would be fal...
by Kevin M
Thu Sep 20, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Another Wifi extender thread
Replies: 22
Views: 1214

Re: Another Wifi extender thread

I tried using two extenders, but they basically didn't help at all, regardless of where I placed them. I've had them for a few years, and tried them several different times in different configurations. I recently got a single Google WiFi unit, with the plan to get another one if necessary. Using it ...
by Kevin M
Thu Sep 20, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17358

Re: Vanguard - You'll need to sign up for security codes soon

Someone may have addressed this already: if I take care of my mother's vanguard account, can I get a separate username and password into her account, with my own SMS? That way, she gets an SMS on her phone, and I on mine, and there is no problem. If you’re asking whether you can use the same 2FA ph...
by Kevin M
Thu Sep 20, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: 2-Year Treasury Note Auction
Replies: 86
Views: 7331

Re: 2-Year Treasury Note Auction

The September 2-year Treasury note auction now is open. Here are some details from the announcement: Term and Type of Security 2-Year Note CUSIP Number 9128285B2 Auction Date September 24, 2018 Original Issue Date October 01, 2018 Issue Date October 01, 2018 Dated Date September 30, 2018 Maturity Da...
by Kevin M
Thu Sep 20, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Bonds. Why? (vs. cds)
Replies: 59
Views: 4315

Re: Bonds. Why? (vs. cds)

Let's all go back to the original discussion. It seems like tangents abound. Why not just get an FDIC insured 3 yr CD at 3.01 % instead of a bond for our low risk portion of our portfolio? Good point. That seems an appropriate vehicle for funds one doesn't need for three years. If you want more liq...
by Kevin M
Wed Sep 19, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: Bonds. Why? (vs. cds)
Replies: 59
Views: 4315

Re: Bonds. Why? (vs. cds)

If we can assume that US interest rates are going to keep going up slowly through the next few years, why is better to invest in Bonds, vs. just investing in a CD ladder? Do Bonds Yield more than CDs? Ally has 2.5% CDs for a one year period, for instance (for a 25K minimum). Is this for a taxable a...
by Kevin M
Tue Sep 18, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: A Frustration w/ Ally Bank, Trust Account, and Paperless Statements
Replies: 21
Views: 1351

Re: A Frustration w/ Ally Bank, Trust Account, and Paperless Statements

Been living with this idiocy for years. If your trust is simple, an alternative is to use payable on death (POD) accounts instead. I started doing that when I was opening a bunch of CDs at Ally years ago, as it was much simpler and faster. I now have both at Ally, but still get the paper statements ...
by Kevin M
Tue Sep 18, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Laddered CDs
Replies: 28
Views: 2785

Re: Laddered CDs

So if a CD is offered at 2.00 % return for a $1000 CD, does that mean you get $20 for the 3 months time if the Maturity is 3 months? Stupid question I know ..... No, you would get (approximately) $5. The interest rate is for an entire year. If you hold it less than a year, you get a fraction of it....
by Kevin M
Mon Sep 17, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 396
Views: 57309

Re: 2-year CDs at Vanguard and Fidelity Today

If you can get the money into your settlement fund by 9/28, you could enter the order for the CD at any time before that (before they sell out). If a higher rate comes along before then, I believe you could cancel your order and replace it with an order at the higher rate. I tried doing this and Va...
by Kevin M
Mon Sep 17, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Laddered CDs
Replies: 28
Views: 2785

Re: Laddered CDs

Well, I have my account with Fidelity. Does anyone know what the face value is for their CDs? Can I buy at $1000 each? Yes, I'm new to this stuff. BW Yes, as with bonds, quantity 1 is $1,000 face value. For new issues, this is what you'll pay. On secondary market, what you pay will depend on price ...
by Kevin M
Mon Sep 17, 2018 1:35 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 396
Views: 57309

Re: 2-year CDs at Vanguard and Fidelity Today

There is a 2-year available on secondary market now at 2.956% at Vanguard and 2.957% at Fidelity. At Fidelity, or at Vanguard if at $1/CD commission level, this comes to slightly over 2.90% after commission, and matures 9/14/2020 (vs. 9/28/2020 for new issue). This is a good choice if you want a sli...
by Kevin M
Sun Sep 16, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 396
Views: 57309

Re: 2-year CDs at Vanguard and Fidelity Today

If a higher rate comes along before then, I believe you could cancel your order and replace it with an order at the higher rate. I was actually checking that out yesterday after having placed a buy order for " WELLS FARGO BANK NA SIOUX FALLS SD CD FDIC #03511 2.9% 09/28/20 09/28/18 " the day before...
by Kevin M
Sat Sep 15, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: CD rates--what to do?
Replies: 45
Views: 6302

Re: CD rates--what to do?

A related question--I have a 5-year CD purchased 2 years ago at 1.85% interest. The early withdrawal penalty is 150 days interest. It makes sense to pull the money out and pay the penalty in order to get another CD at 2.8% interest--right? I'm I missing something here with my math? What you now hav...
by Kevin M
Sat Sep 15, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 396
Views: 57309

Re: 2-year CDs at Vanguard and Fidelity Today

I believe Wells Fargo CDs pay interest monthly, so the APY probably is even a little higher. Kevin Indeed they do. I have recently started buying WF 2 yr CDs using money from maturing Ally CDs. Now that I am getting monthly interest from the WF CDs, I am combining that with new money that I want to...
by Kevin M
Sat Sep 15, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: CD rates--what to do?
Replies: 45
Views: 6302

Re: CD rates--what to do?

Tax bracket around 28%. There is no 28% tax bracket, but what matters is your marginal tax rate, not your tax bracket. For example, my "tax bracket" is 12%, but my marginal tax rate is 27% due to a marginal dollar pushing qualified dividends from being taxed at 0% to being taxed at 15%. Also import...
by Kevin M
Fri Sep 14, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: 2-Year Treasury Note Auction
Replies: 86
Views: 7331

Re: 2-Year Treasury Note Auction

I'm not sure it's really valid to assume a single discount rate for cash flows over many years with different prevailing rates, ... If it's valid to use a single discount rate when the entire proceeds occur at the end of the period, why isn't it valid to assume a single rate when they occur during ...
by Kevin M
Fri Sep 14, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 354
Views: 37304

Re: Northwest FCU 3-year 3.04% Add-On CD

Kevin, The other question that I would have is that if you are initiating the pull at Vanguard from your NWFCU account and it is for greater $30,000 do you know if it will still go through - I seem to recall reading NWFCU limits ACH transfers to $30,000 per month and I am wondering if the pull star...
by Kevin M
Fri Sep 14, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 396
Views: 57309

Re: 2-year CDs at Vanguard and Fidelity Today

and assuming $10 commision There is no commission, the 2.9% is a new issue. Exactly. If you modify your equation accordingly, 2.903% = (10590/10000) ^ (1/2.003) -1 I used a slightly cruder but simpler method to calculate the cumulative reinvested coupon values--something that #Cruncher shared with ...
by Kevin M
Thu Sep 13, 2018 7:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17358

Re: Vanguard - You'll need to sign up for security codes soon

Do you guys mean that I can instantly use the amount just transferred to buy the desired fund ? No. What we're saying is that if you want to buy shares of a mutual fund other than the money market fund, you just buy it directly, specifying the external bank as the source of the cash. There is no ne...
by Kevin M
Thu Sep 13, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17358

Re: Vanguard - You'll need to sign up for security codes soon

. Just due do a mock purchase, and cancel after selecting her external bank as "where the money is coming from", but before submitting the transaction. This is the point I was trying to make up thread. You don't even need to do a mock purchase. You can just do a transfer cash in. You have a credit ...
by Kevin M
Thu Sep 13, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17358

Re: Vanguard - You'll need to sign up for security codes soon

If you buy the TBM directly with the pull the trade is on Monday (same day) and it settles on Tuesday. This is what I would like. Will have to look harder next time. And I am trying to explain that you can do this, and that you and your wife can log onto her brokerage account at any time and verify...
by Kevin M
Thu Sep 13, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17358

Re: Vanguard - You'll need to sign up for security codes soon

How is this any different than what I described? You either buy shares of your settlement fund if you want to use it to buy brokered products, or you buy shares of any other mutual fund directly if that's what you want to do. Either way, you do the "pull" by buying shares of a mutual fund. The diff...
by Kevin M
Thu Sep 13, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17358

Re: Vanguard - You'll need to sign up for security codes soon

On a side note, I never changed my account to the "brokerage" type (and very happily so!). My wife though has the new structure. Is there a way to invest directly from bank account to the desired fund, without passing through the settlement fund first ? Yes. You can buy shares of a mutual fund on t...
by Kevin M
Thu Sep 13, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 354
Views: 37304

Re: Northwest FCU 3-year 3.04% Add-On CD

Kevin, You have been doing a lot of work on this, have you decided on the best way to transfer funds from the retiring CD to vanguard, through a wire, setting up an external account from vanguard at fwcu or some other suggestion? thanks We will be doing it two or three different ways for the four o...
by Kevin M
Thu Sep 13, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 396
Views: 57309

Re: 2-year CDs at Vanguard and Fidelity Today

I checked and saw that the top rate now is 2.90%. Which comes to about a 2.85% APY (if you store coupon payments in Prime Money market), higher than the current 2y bank CDs by about 0.1%. Actually, assuming semi-annual coupons are reinvested at the current Prime MM yield of 2.09%, I come up with an...
by Kevin M
Thu Sep 13, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Short-term Treasury vs. Limited-Term Tax-Exempt
Replies: 10
Views: 1230

Re: Short-term Treasury vs. Limited-Term Tax-Exempt

How do you have a 27% federal marginal tax rate? David: Kevin is near the top of the 12% bracket and his QDIVs project into the 15% taxation bracket. That’s how his interest income comes to be taxed marginally at 27%. It’s what until TCJA was the 15+15=30% window. Pretty much. The only qualificatio...
by Kevin M
Wed Sep 12, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25%
Replies: 31
Views: 4312

Re: NASA FCU- 15 month CD 3.25%

The good experiences being reported are enticing me a bit more. Here are some more considerations, and a question. Question: at what point in the process do you unfreeze your credit reporting at Experian? Is it before or during the online application, or is there some email follow up indicating you ...
by Kevin M
Wed Sep 12, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17358

Re: Vanguard - You'll need to sign up for security codes soon

On a side note, I never changed my account to the "brokerage" type (and very happily so!). My wife though has the new structure. Is there a way to invest directly from bank account to the desired fund, without passing through the settlement fund first ? Yes. You can buy shares of a mutual fund on t...
by Kevin M
Wed Sep 12, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 396
Views: 57309

Re: 2-year CDs at Vanguard and Fidelity Today

Earlier today I noticed that the top 2-year CD rates at Vanguard and Fidelity had risen to 2.85%. This is the first 2-year CD rate bump we've seen in weeks. As I was about to post this rate in another thread, I checked and saw that the top rate now is 2.90%. The 2.85% is offered by Morgan Stanley at...
by Kevin M
Wed Sep 12, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Laddered CDs
Replies: 28
Views: 2785

Re: Laddered CDs

If you have a CD (let’s say purchased through VG or Fido), and it’s in a tIRA can you move into a Roth IRA? Same question if RMD is needed, can you move it out to a taxable account? This is a completely different topic, so hopefully OP won't mind the hijack. Although I've never done it, would imagi...
by Kevin M
Wed Sep 12, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Laddered CDs
Replies: 28
Views: 2785

Re: Laddered CDs

I need to move some funds out of a low interest (to no interest) SAVINGS account to my Fidelity account and was considering going to Laddered CDs. Does anyone have any thoughts on this? Do you pay state income tax? If so, laddering Treasuries might give you higher taxable-equivalent yields (or afte...
by Kevin M
Wed Sep 12, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: Short-term Treasury vs. Limited-Term Tax-Exempt
Replies: 10
Views: 1230

Re: Short-term Treasury vs. Limited-Term Tax-Exempt

So if I did it today, I'd be buying 40% of the September dividend. I'm wondering if this is enough of a negative to hold off for the rest of the month until doing the exchange. Perhaps comparing the estimated tax on 40% of the estimated distribution to the difference in estimated after-tax yields f...
by Kevin M
Wed Sep 12, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: CD Break and Reinvest Options Perspectives
Replies: 18
Views: 1312

Re: CD Break and Reinvest Options Perspectives

I want to compare apples to apples. I know I can get a better deal with treasuries Still, my point is that for a break-even rate of 2.55% it's not worth opening a new one unless I had a lot of money on it. So I'll hold it unless rates increase a lot Not sure why you're focused on just the break-eve...
by Kevin M
Wed Sep 12, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: CD Break and Reinvest Options Perspectives
Replies: 18
Views: 1312

Re: CD Break and Reinvest Options Perspectives

Ally EWP is five months of interest. If there are only two years left on the CD at Ally the EWP is not 5 months of interest, it is two months: "The penalty depends on your term. 24 month or less 60 days of interest 25 month – 36 month 90 days of interest 37 month – 48 month 120 days of interest 49 ...
by Kevin M
Wed Sep 12, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Short-term Treasury vs. Limited-Term Tax-Exempt
Replies: 10
Views: 1230

Re: Short-term Treasury vs. Limited-Term Tax-Exempt

The only thing you're overlooking is this: VMLUX declares daily and distributes monthly, so there is no impairment of exemption on the dividends when selling short-held shares for loss. A related point is that VSBSX's dividend is declared and distributed monthly. So if you buy near to the end of th...
by Kevin M
Wed Sep 12, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Short-term Treasury vs. Limited-Term Tax-Exempt
Replies: 10
Views: 1230

Re: Short-term Treasury vs. Limited-Term Tax-Exempt

The only thing you're overlooking is this: VMLUX declares daily and distributes monthly, so there is no impairment of exemption on the dividends when selling short-held shares for loss. It turns out that if your muni mutual fund accrues dividends daily and does not wrap interest into the NAV, then ...
by Kevin M
Tue Sep 11, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Short-term Treasury vs. Limited-Term Tax-Exempt
Replies: 10
Views: 1230

Short-term Treasury vs. Limited-Term Tax-Exempt

I've mostly been buying individual Treasuries, CDs and munis with new cash for the last year or so, but I did buy some Vanguard Limited-Term Tax-Exempt Admiral shares, VMLUX, in January 2018. Lately Treasuries have been offering higher taxable-equivalent yield (TEY) than AA/AAA munis for me (margina...
by Kevin M
Tue Sep 11, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: 1-year Treasury Bill auction
Replies: 51
Views: 4778

Re: 1-year Treasury Bill auction

The 1-year (52-week) Treasury Bill price at auction today was 97.507611, with investment rate of 2.547%, which for me is TEY of 2.861% and TEY-APY of 2.879%. This is about 38 basis points above my savings account at 2.50%, so quite a nice yield premium for extending maturity by one year. Although I ...
by Kevin M
Tue Sep 11, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement accounts transfer question
Replies: 14
Views: 1015

Re: Retirement accounts transfer question

Another thing to keep in mind is that plans can change, sometimes for the better, and sometimes for the worse. If the plan that currently is the best gets worse than whatever newer plan(s) you have, you could then do the transfers to the best newer plan, assuming the new plan accepts rollovers from ...
by Kevin M
Tue Sep 11, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 354
Views: 37304

Re: Northwest FCU 3-year 3.04% Add-On CD

I would like to wire my funds after maturity to Vanguard. But will NWFCU only wire $10K per day or the whole amount? No limit for wire and no fee if you are over 62 (otherwise $15). Thanks for that info. This is an IRA CD. They said I have to fill out a special form to have them send the money to m...
by Kevin M
Mon Sep 10, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement accounts transfer question
Replies: 14
Views: 1015

Re: Retirement accounts transfer question

Yes to both. I'd try to maximize the assets in the plan with the best options.

Kevin
by Kevin M
Mon Sep 10, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 354
Views: 37304

Re: Northwest FCU 3-year 3.04% Add-On CD

So, what do I advise my bank to do? I don't want to wait a year to get all of my money out. An incoming wire transfer? I'm annoyed that I just set it up to send from NWFCU to my bank and they didn't mention any limits. You can either set up an ACH transfer from your external bank, assuming it has h...
by Kevin M
Mon Sep 10, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 354
Views: 37304

Re: Northwest FCU 3-year 3.04% Add-On CD

Got a reply the next day acknowledging my instruction, and was told that as a "Heritage Club Member", I could wire the proceeds to another bank with no fee (I think this is related to being age 59 1/2 or older). I replied back asking if I could provide wire instructions by secure message, and am ho...
by Kevin M
Mon Sep 10, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 354
Views: 37304

Re: Northwest FCU 3-year 3.04% Add-On CD

My CD at NWFCU matures on 10/4/2018 and I logged in to see if I can send a secure message to them. I do NOT see a Tab/Menu item to securely (or otherwise) send a message to NWFCU. I did not yet receive maturity notice yet from them. Any help would be appreciated. If you have any unread messages, th...
by Kevin M
Mon Sep 10, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: CD Break and Reinvest Options Perspectives
Replies: 18
Views: 1312

Re: CD Break and Reinvest Options Perspectives

I would not assume that interest rates will continue to rise in the future. What does this calculator tell you? When to Break a CD Calculator https://www.depositaccounts.com/tools/break-cd-calculator.aspx What are the assumptions of the alternative CD? i.e. if I have a 5 year CD that I had for 3 ye...
by Kevin M
Mon Sep 10, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25%
Replies: 31
Views: 4312

Re: NASA FCU- 15 month CD 3.25%

I tried applying, and they're asking for notarized copies of my driver's license, social security card, and proof of residence. I have all those things, but has anyone else had them require notarized copies? What does that even mean? Type up something that says "these 3 things are authentic" and ge...
by Kevin M
Mon Sep 10, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: CD Break and Reinvest Options Perspectives
Replies: 18
Views: 1312

Re: CD Break and Reinvest Options Perspectives

I have an existing 5 year CD with 36 months remaining yielding 2.28% APY which I'm considering breaking. Following are the options I presently have on the table: 1.) Existing bank which holds the 5 year CD will reduce my early withdrawal penalty from 6 to 3 months if I keep the funds with them and ...
by Kevin M
Sun Sep 09, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 354
Views: 37304

Re: Northwest FCU 3-year 3.04% Add-On CD

Time to resurrect this thread as our certificates are coming to mature! Has anyone received maturity notice yet? What's the default? How are you giving your instructions whether to roll or not roll? If not rolling, how are you transferring the money out? Any limit on ACH push from NWFCU to linked e...