Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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fidelity brokered cd much better deals.....imo
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Sure, but you'll have significant limitations and be limited to new issues.
Otherwise, brokerage is by far the best options. Buy and sell new issue and secondary, and of course invest in other...
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Leverage.. as in you can use that CD to get a loan for investing? I'm trying to figure these things out because schooling didn't teach me any of that.
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Did you miss adding a decimal point to 7%? Don't you mean .7%?
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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You can just grab T-bills from a brokerage, and that way you won't be locked in...since you can sell them on the secondary market.
Also Vio bank gives 5.3% without any commitment ...it's their...
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Or you can get 5.20% for a 9-mo. CD:
https://fixedincome.fidelity.com/ftgw/fi/FILanding#tbcurrent-yields|median-yield
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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buy a 30 year T bond ad lock in 4.7% until the rate drops to 4%. if it does in the net 10 yrs you got yourself ~7%/yr. Far better deal
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Treasury bonds are better. Or Credit Unions which will give a promo for a deposit along with funding a CD.
Money spent pretty much elsewhere is better
Alliant Credit Union gives 5.15% over 12...
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Eh. Lately, it's looking like the totally fluid 5% rate we're getting at places like CIT Bank, will hold for the year. PASS.
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Cap1 are buffoons: they've blacklisted me for a card they canceled due to their *own repeated error.* So I've blacklisted them in return. Save yourself the aggravation of dealing with those...
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Can you fund with a credit card?
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Correct.
That, combined with liquidity in the secondary market and high yields. Just stick with the bill.
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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also doing short durations t-bills getting 5.3x percent
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Of course.
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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When you say "Bils" are you referring to Treasury Bills?
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Rates will be lower in a year
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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no. 7-7.5%/yr depending on if the 20-30 year T bond can go back to 5%. Once I get out of my 8 wk T bill I'm going to buy a 20-30yr to lock in the rate.
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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10 months is perfect, just in time to be available to pay taxes if needed.
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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whats the tax treatment? subject to federal but no state and local income tax?
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Yes agree this deal below is sicc and then I'd roll it into a high interest savings account or T-bills ...
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Those would require a treasury direct account to be redeemed.
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Probably a dumb question, but where's the easiest place to buy/sell?
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Any full service brokerage, Schwab, Interactive Brokers, Fidelity, E-Trade.
You'd get the best pricing on Interactive brokers since they use trade web and market axess on the backend, Schwab has...
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Or you can also open the account with Treasury directly https://www.treasurydirect.gov/
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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If the 0% balance transfer has a 5% upfront fee, how do you get any gains when the CD matures in 10 months but is at 5.1% APY?
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Do this in a year
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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5.1% APY CD from Capital One, 10 month term.
...
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Do you think anyone who could use your advice has any idea what any of that means?
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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For 10 m CD, right now South Western Bank is 5.15%. But I prefer No penalty CD. I just roll over 9 m NP CD Blue Federal CU 5.1%.
At Raisin, they have many products (saving, market, HY CD, NP CD)...
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Rate is inline with Bills 10-months out.
But, then again, you can just buy bills and have the ability to sell anytime with advantageous tax treatment.
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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You earn 0.1% or the difference between the rates. The fee is different at each bank. This isn’t a rate play, it’s leverage.
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Citi Bank is a scam, stay away!
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Of course you can.
0% Balance transfer with a fee of 3% - 5% into a checking account, earn 5.1%, make the minimum payments on the card until your CD matures. Pay off balance on maturity, and make...
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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This is my first post. Please let me know what I could have done better. I liked the deal since I opened their savings account back in December for the bonus, which just got paid in April . so rolled...
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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Any math wizards to tell me how much I could make with a 10k transfer at 4 percent fee?
Online CD Accounts + a 10-Month Special CD Rate | Capital One 5.1% APY
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Thread created 04-22-2024 by sfeshaw
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@Bondtrader If a treasury bill can be bought in lieu of a federal income tax refund check, does one need to create a TreasuryDirect account for that? Or can that be done through a Schwab brokerage...
