Alex wrote:
Alex wrote:
wrote:
On Wed, 21 Mar 2018 19:47:44 -0400, Alex wrote:

wrote:
On Tue, 20 Mar 2018 19:44:57 -0400, Alex wrote:

Tim wrote:

On Tue, 20 Mar 2018 13:19:30 -0400, John H.
wrote:

Might take my wife out to dinner at Costco with the Federal
refund.
I am getting $3969.33
I didn't sell any stock this year and with my wife taking 4
months off
my line 43 was a little under $75k so my dividends were free. The
extra withholding I always take was a tad more than I needed.
....

I never get a refund. I always pay.
Me too. It's better than giving the feds an interest free loan
for a year.
What and give up that 0.25% my bank pays me?
I would rather have them paying me than me paying them. They won't
screw with you as much when you do guess wrong and owe them too much
if you have a history of them owing you. The year I did owe ~$15,000
the IRS guy said I would not have to file estimated the next year
because it was apparent that this was a one time thing.
(recaptured depreciation on the sale of our store)
Originally they said I would have to from then on and I went by to
talk to the man. He pulled up my record, typed a little and I was off
the hook a couple weeks later (letter in the mail)
1.55% at Synchrony Bank.
I don't have one of them around me.
With the rate changes I am going to go talk to my banks again tho.
The one I have been using here for the last 33 years is closing the
location near me and I may dump them. Another has more accounts open
than I need.

I don't have one near me either. I have my local accounts linked
with a high-yield savings at Synchrony. Moving money back and forth
takes 3 business days at the most.

You can get 1.7% at https://firstclassdemandnotes.com/invest but
there is some paperwork involve to prove you are an accredited
investor. It's also not FDIC insured but Mercedes Benz in not going
away.

Update - they are up to 2% now. Probably due to the increase from the
Fed.

Update two... now 2.5%.

On Mon, 26 Mar 2018 20:02:10 -0400, Alex wrote:


Update two... now 2.5%.

I guess I should be looking for a place to park the cash I am sitting
on, waiting for the bottom.

On Mon, 26 Mar 2018 23:16:55 -0400, wrote:

On Mon, 26 Mar 2018 20:02:10 -0400, Alex wrote:


Update two... now 2.5%.

I guess I should be looking for a place to park the cash I am sitting
on, waiting for the bottom.


Five year is 2.65 at Pentagon Federal.

On Tue, 27 Mar 2018 07:21:21 -0400, John H.
wrote:

On Mon, 26 Mar 2018 23:16:55 -0400, wrote:

On Mon, 26 Mar 2018 20:02:10 -0400, Alex wrote:


Update two... now 2.5%.

I guess I should be looking for a place to park the cash I am sitting
on, waiting for the bottom.


Five year is 2.65 at Pentagon Federal.

I do not want to be locked in for 5 years and the penalty for breaking
a CD is onerous.

On 3/27/18 1:03 PM, wrote:
On Tue, 27 Mar 2018 07:21:21 -0400, John H.
wrote:

On Mon, 26 Mar 2018 23:16:55 -0400, wrote:

On Mon, 26 Mar 2018 20:02:10 -0400, Alex wrote:


Update two... now 2.5%.

I guess I should be looking for a place to park the cash I am sitting
on, waiting for the bottom.


Five year is 2.65 at Pentagon Federal.

I do not want to be locked in for 5 years and the penalty for breaking
a CD is onerous.


2.65% Wow!

The root cause of disintermediation.

On Tue, 27 Mar 2018 13:03:55 -0400, wrote:

On Tue, 27 Mar 2018 07:21:21 -0400, John H.
wrote:

On Mon, 26 Mar 2018 23:16:55 -0400, wrote:

On Mon, 26 Mar 2018 20:02:10 -0400, Alex wrote:


Update two... now 2.5%.

I guess I should be looking for a place to park the cash I am sitting
on, waiting for the bottom.


Five year is 2.65 at Pentagon Federal.

I do not want to be locked in for 5 years and the penalty for breaking
a CD is onerous.

You don't have to go five years:


TERM DIVIDEND RATES APY
6 Month 1.65% 1.65%**
12 Month 2.05% 2.07%
15 Month 2.10% 2.12%
18 Month 2.20% 2.22%
2 Year 2.30% 2.33%
3 Year 2.35% 2.38%
4 Year 2.40% 2.43%
5 Year 2.65% 2.68%
7 Year 2.70% 2.73%

Keyser Soze wrote:
On 3/27/18 1:03 PM, wrote:
On Tue, 27 Mar 2018 07:21:21 -0400, John H.
wrote:

On Mon, 26 Mar 2018 23:16:55 -0400, wrote:

On Mon, 26 Mar 2018 20:02:10 -0400, Alex wrote:


Update two... now 2.5%.

I guess I should be looking for a place to park the cash I am sitting
on, waiting for the bottom.


Five year is 2.65 at Pentagon Federal.

I do not want to be locked in for 5 years and the penalty for breaking
a CD is onerous.


2.65% Wow!

The root cause of disintermediation.


Maybe if you understood interest rates and investing, there would not be a
couple bankruptcy actions on your record.

On 3/27/18 6:29 PM, Bill wrote:
Keyser Soze wrote:
On 3/27/18 1:03 PM, wrote:
On Tue, 27 Mar 2018 07:21:21 -0400, John H.
wrote:

On Mon, 26 Mar 2018 23:16:55 -0400, wrote:

On Mon, 26 Mar 2018 20:02:10 -0400, Alex wrote:


Update two... now 2.5%.

I guess I should be looking for a place to park the cash I am sitting
on, waiting for the bottom.


Five year is 2.65 at Pentagon Federal.

I do not want to be locked in for 5 years and the penalty for breaking
a CD is onerous.


2.65% Wow!

The root cause of disintermediation.


Maybe if you understood interest rates and investing, there would not be a
couple bankruptcy actions on your record.

Maybe if you looked up "disintermediation," you'd understand what I said.

wrote:
On Mon, 26 Mar 2018 20:02:10 -0400, Alex wrote:


Update two... now 2.5%.
I guess I should be looking for a place to park the cash I am sitting
on, waiting for the bottom.


Let me know if you see anything better.

John H. wrote:
On Mon, 26 Mar 2018 23:16:55 -0400, wrote:

On Mon, 26 Mar 2018 20:02:10 -0400, Alex wrote:


Update two... now 2.5%.
I guess I should be looking for a place to park the cash I am sitting
on, waiting for the bottom.

Five year is 2.65 at Pentagon Federal.

This is a liquid account and has been rising quite a bit lately.