📢 We want to hear from you! Let us know what topics you want us to cover in 2025: forms.gle/bwmuPMJqytUyd72aA 💎Get our popular bond course bundle & save $80: www.diamondnestegg.com/home#_paa2isucf 💎Bond Beginners (our foundational-level bond course): www.diamondnestegg.com/bond-beginners 💎Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters 💎And join our super-supersaver membership for regular market updates & monthly live member Q&As ua-cam.com/channels/nexoc6tvesvcCEzZhmI-Ag.htmljoin >>>>>>>>>> WATCH NEXT >> Our Bond Courses vs UA-cam Membership | Which Is Right For You: ua-cam.com/video/H5h4Eyh0hjo/v-deo.html >> Bond Beginners Course Sneak Peak | I-Bonds vs TIPS: ua-cam.com/video/uXPzbje1g2E/v-deo.html >> Bond Masters Course Sneak Peak | How To Build A Bond Ladder: ua-cam.com/video/p90IDmXn19s/v-deo.html >>>>>>>>>> SOURCES & REFERENCED VIDEO: www.openbank.us/ www.santander.com/en/press-room/press-releases/2024/10/santander-launches-openbank-in-the-us-expanding-its-consumer-banking-business-nationwide www.pibank.com/pibank-savings/ www.pibank.com/who-we-are/ www.fdic.gov/ banks.data.fdic.gov/bankfind-suite/bankfind www.origin.bank/performancechecking/ www.newtekbank.com/personal/high-yield-savings/ www.axosbank.com/pages/axos-one www.briodirectbanking.com/high-yield-savings/ www.viobank.com/cornerstone-money-market-savings www.everbank.com/banking/performance-savings >>>>>>>>>> Here is the overview for Bond Beginners: 1. Bond Basics What A Bond Is & How A Bond Works Why Invest In Bonds New Issue vs Secondary Market Bonds Interest Rates & Bond Prices Current Yield & Yield To Maturity Always Remember This! Buying At Par, Above Par & Below Par Different Types Of Bonds Wrap-Up 2. The Risks Of Bond Investing Seven Key Bond Risks Credit Risk Interest Rate Risk Reinvestment Risk/Call Risk Inflation Risk Liquidity Risk Currency Risk & Country Risk Bond Risk Mitigation Strategies Wrap-Up 3. US Treasuries Overview What Are US Treasuries Why Invest In Treasuries Where Can You Buy Treasuries How Are Treasuries Taxed Wrap-Up 4. Treasury Bills What Are Treasury Bills (T-Bills) When Do T-Bill Auctions Happen Where Should You Buy At Auction Auto-Roll When Buying At Auction Where To Find Recent Auction Results High Rate vs Investment Rate Reopening Auctions Cash Management Bills (CMBs) Buying & Selling On Secondary Market Wrap-Up 5. Treasury Notes & Bonds What Are Treasury Notes & Bonds When Do Auctions Happen Buying Treasury Notes & Bonds Auction High Yield vs Interest Rate Floating Rate Notes (FRNs) Treasury Zeros (STRIPS) Wrap-Up 6. TIPS (Inflation-Protected) What Are TIPS When Do TIPS Auctions Happen Nominal vs Real Yields Negative Yields How Do You Adjust TIPS For Inflation Taxes On Phantom Income Secondary Market Liquidity Wrap-Up 7. I-Bonds (Inflation-Protected) What Are I-Bonds How Does I-Bond Interest Work I-Bonds vs TIPS The Annual I-Bond Limit Wrap-Up 8. Agency Bonds The Universe Of Bonds What Are Agency Bonds How Are Agency Bonds Taxed Treasuries vs Agencies Who Might Want To Consider Agencies Yield-To-Call & Yield-To-Worst Where Can You Buy Agency Bonds Wrap-Up 9. Municipal Bonds Our Bond Universe Gets More Complex What Are Municipal Bonds How Safe Are Munis How Are Munis Taxed The De Minimis Rule Social Security & Medicare Premiums Treasuries, Agencies & Munis Who Might Want To Consider Munis Wrap-Up 10. Corporate Bonds Our Bond Universe Is Complete What Are Corporate Bonds How Safe Are Corporates Corporate Bond Hierarchies Five Key Features Of Corporate Bonds How Are Corporates Taxed Treasuries vs Corporates, Etc. Who Might Want To Buy Corporates Wrap-Up >>>>>>>>>> Here is the overview for Bond Masters: 1. Stocks vs Bonds Historical Performance Are Bonds Really Less Volatile Why Invest In Bonds Accumulation vs Decumulation Allocation of Stocks vs Bonds Wrap-Up 2. Which Bonds Might Be Right For You Treasuries & Other Types of Bonds Nominal vs Real Yields Inflation vs Non-Inflation-Protected Taxable vs Tax-Advantaged Accounts Wrap-Up 3. Bond Ladders & Other Bond Strategies Normal vs Inverted Yield Curve What Is A Bond Ladder 5 Important Bond Laddering Questions Laddering When Rates Are Rising Laddering When Rates Are Falling Laddering When Rates Are Uncertain What Is A Bullet What Is A Barbell Wrap-Up 4. Holding to Maturity vs Selling Early Why Hold to Maturity When To Sell Early Before Maturity Tax Implications Of Selling Early Wrap-Up 5. Individual Bonds, Bond Funds, Etc. Why Buy Individual Bonds Why Buy Bond Funds Bond Fund Considerations Key Bond Fund Concepts CDs vs Treasuries Other High-Yield Investments Wrap-Up 6. Our B.E.S.T. Model Portfolios By Age Our B.E.S.T Model Portfolios By Age Model Portfolios In The Industry B.E.S.T Model Portfolio Difference How Much Do You Need To Retire? How I Use The Rules of 100, 110, & 120 B.E.S.T Model Portfolios (20s) B.E.S.T Model Portfolios (30s & 40s) B.E.S.T Model Portfolios (50s & 60s) B.E.S.T Model Portfolios (70s+) Wrap-Up 7. The Decumulation Phase What Is The Decumulation Phase? Bear Markets & Recessions What Can You Do In Bad/Bear Markets Decumulation Tax Considerations The 4% Rule The Bucket Strategy The Flooring Approach Jen’s Bucket Strategy With A Twist Wrap-Up >>>>>>>>>> Thanks for visiting our personal finance channel! We hope this content will help fast-track your financial journey! Everyone's financial journey is different. Please note that: 1) there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances 2) we will not ask you to call us or send us money in the comments on this channel or any of our other social media accounts, so if you see comment(s) along those lines, it is most likely spam - PLEASE DO NOT ENGAGE WITH SPAMMERS OR GIVE OUT YOUR PERSONAL INFORMATION FOR YOUR OWN SAFETY
These higher rate bank yields are to encourage new members to join. The rates will change rather fast. The question is if it’s worth your time to keep an eye out for rate variations and then decide to push money around to another higher rate account. It just means more paperwork on taxes.
As a resident of FL, and no state inc tax, I opened Santander's Openbank hysa @ 5% on Dec 7, and it was funded today, Dec 16. Small amts sent to validate on both ends. An 888# avail for any questions. Easy peasy. Thanks, Jennifer
@@marthacleary2345 I can corroborate this. I opened an account at OpenBank last week, and got the rate reduction email today (Dec. 18). Obvs, I was well aware this could happne, but a little disappointing nonetheless. C'est la vie.
I opened a Pibank hysa. It took over one month and a couple of phone calls to get the acct opened. The rate originally was 5.5% but by the time the acct finally was able to be funded the rate dropped to 5%. That felt like a bait and switch. Now that the acct has been funded everything seems smooth but it has been less than one month. Btw with Pibank interest is paid on a mid month cycle on the 15th.
Thanks, I keep most of my Roth IRA in Schwab’s SWVXX money market (4.44%), while using the same funds to sell cash secured puts. I’m also buying TBills at Fidelity. I’m searching for new easy ideas.
It's basically called the wheel strategy. Sell puts and if they get exercised, you sell covered calls on those shares and repeat. It's a good way to generate profits. There are good explanations on YT.
"For the LONG TERM, Best High Yield Savings & Checking Accounts". That is the video I would love to see. Rate chasing makes sense for some people, for others all we want is a consistently "higher than most banks" rate without cumbersome hurdles. By definition, teaser rates just don't last. Ally, Capital One, Marcus are the names I usually see near the top of the leader board over the long haul.
Keep money in a broad market ETF which has outperformed stocks and such as a whole long term. And gives better rates than 4-5% which short term at best. Rather have security than chasing rates.
LGE community credit union in at metro Atlanta (LGECU) has 5% APY on checking but requires a minimum number of credit or debit swipes per month. The also have very competitive mortgages and other loan rates. Customer service is very good.
Newish subscriber here. 2025 will be a year of continuing my education on all things money. I’m currently using a numbers spreadsheet to do a monthly checkup and to recap returns, etc. on my portfolio. I’m sure there are apps that would make this easier. Which apps do you/your listeners recommend? Thnx!
I would never deal with Santander. Went into a Branch to cash a check drawn on their bank. They would not cash the check unless I opened an account. They lost out, because I was about to buy several hundred thousand dollars in some cds, because they had better rates at the time than other banks.
Credit Karma bank drops their HYSA rates by 100 basis points at the drop of a hat. It's more than likely these banks would follow the Fed rate cuts in the same manner.
I'm old school. I want to walk in and talk to someone face to face. We did just get a really sweet 2k bonus from Chase for moving our emergency fund accounts there however. 😊
Almost all these Hi Yield savings accounts drop the rates after a short period and DONT tell you. Even on your monthly statement wont list the rates in force and will only list the interest earned. It will be up to you to find out the current rates. Been there before and wont be worth the time to open. T bills are my favorite ones.
I prefer Fidelity Brokerage. Dont forget SIPC insures univested cash the same way FDIC does. But there are so many benefits of banking at Fidelity I dont care about a slightly higher rate. If the monetary system collapses, many S&P companies wont. That you can divert large amounts in a click to SPY or similar to ride out a catastrophic crisis is something to consider.
Open bank disclosures state, "This is a variable-rate account and the rate applicable to your balance tier may change at any time without notice." Is this common?
It's true for money market ,high yield saving anything other than CD. Even CD has a callable CD. SO really makes no difference with or without this disclosure. It's a redundant disclosure to me.
I encountered difficulties in opening the account, despite multiple attempts. The verification process failed, resulting in an inability to proceed. Consequently, I opted to open an account with Junius Bank, which proved to be a seamless and hassle-free experience.
Be careful with these teaser rates and FDIC insurance is great, but who wants to go through the process of getting your money back from the FDIC if the bank fails?
So in order to get the 5% rate on the Origin Performance Checking account, you have a $36K window. I understand the minimum $4K amount. But you only qualify for 5% "up to" $40K. $40,000? That's less than the average price of a new vehicle. That ridiculously low amount makes me wonder who their target market is, and raises too many red flags. The Santander/OpenBank option is much more desirable. I'm expecting their geographic limitations will eventually be waived.
Been with Origin pulling in 2,400 a year when rates were 6%. This is a checking account. Demand accounts will typically pay less and/or place limitations vs savings or mmkt accounts.
Keep money in a broad market ETF which has outperformed stocks and such as a whole long term. And gives better rates than 4-5% which short term at best. Rather have security than chasing rates.
📢 We want to hear from you! Let us know what topics you want us to cover in 2025: forms.gle/bwmuPMJqytUyd72aA
💎Get our popular bond course bundle & save $80: www.diamondnestegg.com/home#_paa2isucf
💎Bond Beginners (our foundational-level bond course): www.diamondnestegg.com/bond-beginners
💎Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters
💎And join our super-supersaver membership for regular market updates & monthly live member Q&As ua-cam.com/channels/nexoc6tvesvcCEzZhmI-Ag.htmljoin
>>>>>>>>>>
WATCH NEXT
>> Our Bond Courses vs UA-cam Membership | Which Is Right For You: ua-cam.com/video/H5h4Eyh0hjo/v-deo.html
>> Bond Beginners Course Sneak Peak | I-Bonds vs TIPS: ua-cam.com/video/uXPzbje1g2E/v-deo.html
>> Bond Masters Course Sneak Peak | How To Build A Bond Ladder: ua-cam.com/video/p90IDmXn19s/v-deo.html
>>>>>>>>>>
SOURCES & REFERENCED VIDEO:
www.openbank.us/
www.santander.com/en/press-room/press-releases/2024/10/santander-launches-openbank-in-the-us-expanding-its-consumer-banking-business-nationwide
www.pibank.com/pibank-savings/
www.pibank.com/who-we-are/
www.fdic.gov/
banks.data.fdic.gov/bankfind-suite/bankfind
www.origin.bank/performancechecking/
www.newtekbank.com/personal/high-yield-savings/
www.axosbank.com/pages/axos-one
www.briodirectbanking.com/high-yield-savings/
www.viobank.com/cornerstone-money-market-savings
www.everbank.com/banking/performance-savings
>>>>>>>>>>
Here is the overview for Bond Beginners:
1. Bond Basics
What A Bond Is & How A Bond Works
Why Invest In Bonds
New Issue vs Secondary Market Bonds
Interest Rates & Bond Prices
Current Yield & Yield To Maturity
Always Remember This!
Buying At Par, Above Par & Below Par
Different Types Of Bonds
Wrap-Up
2. The Risks Of Bond Investing
Seven Key Bond Risks
Credit Risk
Interest Rate Risk
Reinvestment Risk/Call Risk
Inflation Risk
Liquidity Risk
Currency Risk & Country Risk
Bond Risk Mitigation Strategies
Wrap-Up
3. US Treasuries Overview
What Are US Treasuries
Why Invest In Treasuries
Where Can You Buy Treasuries
How Are Treasuries Taxed
Wrap-Up
4. Treasury Bills
What Are Treasury Bills (T-Bills)
When Do T-Bill Auctions Happen
Where Should You Buy At Auction
Auto-Roll When Buying At Auction
Where To Find Recent Auction Results
High Rate vs Investment Rate
Reopening Auctions
Cash Management Bills (CMBs)
Buying & Selling On Secondary Market
Wrap-Up
5. Treasury Notes & Bonds
What Are Treasury Notes & Bonds
When Do Auctions Happen
Buying Treasury Notes & Bonds
Auction High Yield vs Interest Rate
Floating Rate Notes (FRNs)
Treasury Zeros (STRIPS)
Wrap-Up
6. TIPS (Inflation-Protected)
What Are TIPS
When Do TIPS Auctions Happen
Nominal vs Real Yields
Negative Yields
How Do You Adjust TIPS For Inflation
Taxes On Phantom Income
Secondary Market Liquidity
Wrap-Up
7. I-Bonds (Inflation-Protected)
What Are I-Bonds
How Does I-Bond Interest Work
I-Bonds vs TIPS
The Annual I-Bond Limit
Wrap-Up
8. Agency Bonds
The Universe Of Bonds
What Are Agency Bonds
How Are Agency Bonds Taxed
Treasuries vs Agencies
Who Might Want To Consider Agencies
Yield-To-Call & Yield-To-Worst
Where Can You Buy Agency Bonds
Wrap-Up
9. Municipal Bonds
Our Bond Universe Gets More Complex
What Are Municipal Bonds
How Safe Are Munis
How Are Munis Taxed
The De Minimis Rule
Social Security & Medicare Premiums
Treasuries, Agencies & Munis
Who Might Want To Consider Munis
Wrap-Up
10. Corporate Bonds
Our Bond Universe Is Complete
What Are Corporate Bonds
How Safe Are Corporates
Corporate Bond Hierarchies
Five Key Features Of Corporate Bonds
How Are Corporates Taxed
Treasuries vs Corporates, Etc.
Who Might Want To Buy Corporates
Wrap-Up
>>>>>>>>>>
Here is the overview for Bond Masters:
1. Stocks vs Bonds
Historical Performance
Are Bonds Really Less Volatile
Why Invest In Bonds
Accumulation vs Decumulation
Allocation of Stocks vs Bonds
Wrap-Up
2. Which Bonds Might Be Right For You
Treasuries & Other Types of Bonds
Nominal vs Real Yields
Inflation vs Non-Inflation-Protected
Taxable vs Tax-Advantaged Accounts
Wrap-Up
3. Bond Ladders & Other Bond Strategies
Normal vs Inverted Yield Curve
What Is A Bond Ladder
5 Important Bond Laddering Questions
Laddering When Rates Are Rising
Laddering When Rates Are Falling
Laddering When Rates Are Uncertain
What Is A Bullet
What Is A Barbell
Wrap-Up
4. Holding to Maturity vs Selling Early
Why Hold to Maturity
When To Sell Early Before Maturity
Tax Implications Of Selling Early
Wrap-Up
5. Individual Bonds, Bond Funds, Etc.
Why Buy Individual Bonds
Why Buy Bond Funds
Bond Fund Considerations
Key Bond Fund Concepts
CDs vs Treasuries
Other High-Yield Investments
Wrap-Up
6. Our B.E.S.T. Model Portfolios By Age
Our B.E.S.T Model Portfolios By Age
Model Portfolios In The Industry
B.E.S.T Model Portfolio Difference
How Much Do You Need To Retire?
How I Use The Rules of 100, 110, & 120
B.E.S.T Model Portfolios (20s)
B.E.S.T Model Portfolios (30s & 40s)
B.E.S.T Model Portfolios (50s & 60s)
B.E.S.T Model Portfolios (70s+)
Wrap-Up
7. The Decumulation Phase
What Is The Decumulation Phase?
Bear Markets & Recessions
What Can You Do In Bad/Bear Markets
Decumulation Tax Considerations
The 4% Rule
The Bucket Strategy
The Flooring Approach
Jen’s Bucket Strategy With A Twist
Wrap-Up
>>>>>>>>>>
Thanks for visiting our personal finance channel! We hope this content will help fast-track your financial journey! Everyone's financial journey is different. Please note that:
1) there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances
2) we will not ask you to call us or send us money in the comments on this channel or any of our other social media accounts, so if you see comment(s) along those lines, it is most likely spam - PLEASE DO NOT ENGAGE WITH SPAMMERS OR GIVE OUT YOUR PERSONAL INFORMATION FOR YOUR OWN SAFETY
These higher rate bank yields are to encourage new members to join. The rates will change rather fast. The question is if it’s worth your time to keep an eye out for rate variations and then decide to push money around to another higher rate account. It just means more paperwork on taxes.
I did this a few years ago jumping around for better rates and then I got into TBills and a prime MM fund.
Exactly - do not try to time the market. Please work with a professional to develop a strategy and stick to it!
As a resident of FL, and no state inc tax, I opened Santander's Openbank hysa @ 5% on Dec 7, and it was funded today, Dec 16. Small amts sent to validate on both ends. An 888# avail for any questions. Easy peasy. Thanks, Jennifer
Can you tell me if you were required a selfie or fingerprint to open the account at Open Bank. Thank you.
Yes, did fingerprint. Note that interest dropped from 5% to 4.75%.
@@marthacleary2345 I can corroborate this. I opened an account at OpenBank last week, and got the rate reduction email today (Dec. 18). Obvs, I was well aware this could happne, but a little disappointing nonetheless. C'est la vie.
Pls explain bc you still need to pay fed income tax if you make gains on your HYS!
I'm staying with T-Bils. 😂 I am a resident of NY. Doesn't make sense to pay local taxes for the savings account.😂
Do you buy thru brokerage or Direct? (TD - treasury direct). I've been buying direct but obviously it's clunky as all heck.
@@bdonovable direct. Once I got used to it, it's fine.
@bdonovable of course I buy it trough a brokerage in Fidelity. This lady has a lot of videos about it
Also wondering the same thing. Are you buying direct or through a brokerage?
@@KaiSosceles brokerage. Watch her videos
I opened a Pibank hysa. It took over one month and a couple of phone calls to get the acct opened. The rate originally was 5.5% but by the time the acct finally was able to be funded the rate dropped to 5%. That felt like a bait and switch. Now that the acct has been funded everything seems smooth but it has been less than one month. Btw with Pibank interest is paid on a mid month cycle on the 15th.
Thanks, I keep most of my Roth IRA in Schwab’s SWVXX money market (4.44%), while using the same funds to sell cash secured puts. I’m also buying TBills at Fidelity. I’m searching for new easy ideas.
Check out SGOV
what do you mean by cash secured puts?
@ I sell puts on equities and have cash available (in SWVXX earning interest) if assigned. If assigned the equity, I sell some SWVXX.
It's basically called the wheel strategy. Sell puts and if they get exercised, you sell covered calls on those shares and repeat. It's a good way to generate profits. There are good explanations on YT.
@@colddirt1 i am a beginner for all those.Wheel strategy ? sounds very interesting.
"For the LONG TERM, Best High Yield Savings & Checking Accounts". That is the video I would love to see.
Rate chasing makes sense for some people, for others all we want is a consistently "higher than most banks" rate without cumbersome hurdles. By definition, teaser rates just don't last.
Ally, Capital One, Marcus are the names I usually see near the top of the leader board over the long haul.
What a great service you provide.
Keep money in a broad market ETF which has outperformed stocks and such as a whole long term. And gives better rates than 4-5% which short term at best. Rather have security than chasing rates.
Great video as always, thank you for all your financial videos. Thank you - Cheers!
LGE community credit union in at metro Atlanta (LGECU) has 5% APY on checking but requires a minimum number of credit or debit swipes per month. The also have very competitive mortgages and other loan rates. Customer service is very good.
Newish subscriber here. 2025 will be a year of continuing my education on all things money. I’m currently using a numbers spreadsheet to do a monthly checkup and to recap returns, etc. on my portfolio. I’m sure there are apps that would make this easier. Which apps do you/your listeners recommend? Thnx!
I’m looking into using Empower.
good loss leader rates but what's the customer service long term?
I think I'll stay with my money market for now.
I would never deal with Santander. Went into a Branch to cash a check drawn on their bank. They would not cash the check unless I opened an account. They lost out, because I was about to buy several hundred thousand dollars in some cds, because they had better rates at the time than other banks.
Love your content. Love your channel.
As always great content
T-Bills and SWVXX is good enough for us all organized in Schwab IRA's
Opened a Newtek account early this year at 5%. They reduced the rate last month.
I am with them over 2 years, I am happy... their highest rate stayed long 5.25 %, just resently they change 4.90 % (payes 4.78$)
Newtek shorts one day of interest of CD. Watch out! You have to fight to get them paid. Dishonest practice.
Very helpful video
Origin Bank accounts are limited to their brick and mortar markets which include TX, LA, MS, AL, FL.
Credit Karma bank drops their HYSA rates by 100 basis points at the drop of a hat. It's more than likely these banks would follow the Fed rate cuts in the same manner.
WISE has interest earning account. I use it in Europe as the exchange rates are very good when converting dollars to other currencies as well.
I'm old school. I want to walk in and talk to someone face to face. We did just get a really sweet 2k bonus from Chase for moving our emergency fund accounts there however. 😊
My Fidelity core account is SPAXX. Close to 5%. My dividends pour into my SPAXX account.
Currently SPAXX is 4.25% and has an expense ratio of of .42% so a short term CD would bring a greater return.
You are awesome.
I'm staying with 4wk t-bills, I just dont trust the banks.
Do you trust the open bank ?
No, don't want to be Yatta'd
@@Bob-be2pj what does that mean?
@@Bob-be2pj FDIC insurance and a direct division of Santander Bank, it’s not an issue.
I bought long dated corporate bonds.They went down today.
Is that normal.As long as I stay till due date would I get my money back?
Almost all these Hi Yield savings accounts drop the rates after a short period and DONT tell you. Even on your monthly statement wont list the rates in force and will only list the interest earned. It will be up to you to find out the current rates. Been there before and wont be worth the time to open. T bills are my favorite ones.
Hi.
Anyone know anything about Valley National Bank?
Thanks
I prefer Fidelity Brokerage. Dont forget SIPC insures univested cash the same way FDIC does. But there are so many benefits of banking at Fidelity I dont care about a slightly higher rate. If the monetary system collapses, many S&P companies wont. That you can divert large amounts in a click to SPY or similar to ride out a catastrophic crisis is something to consider.
Open bank disclosures state, "This is a variable-rate account and the rate applicable to your balance tier may change at any time without notice." Is this common?
It's true for money market ,high yield saving anything other than CD. Even CD has a callable CD. SO really makes no difference with or without this disclosure. It's a redundant disclosure to me.
Making 10+ debit transactions get extremely annoying and it never ends. Hard pass on those accounts.
That’s what gets me. I don’t even use my debit card.
Yeah, my credit union offers a 5% rate but you need to make 4 debit purchases. I don't have nor want a debit card.
It takes work and is annoying.
I encountered difficulties in opening the account, despite multiple attempts. The verification process failed, resulting in an inability to proceed. Consequently, I opted to open an account with Junius Bank, which proved to be a seamless and hassle-free experience.
Timbr 5.25%!
They are advertising 5.05% now. Still a pretty good deal!
Timbr is 5.05%. Do try have any telephone based customer service?
Well, I’m out on the qualifications 🙁
Forget Vivian, your my new rich BFF
Be careful with these teaser rates and FDIC insurance is great, but who wants to go through the process of getting your money back from the FDIC if the bank fails?
So in order to get the 5% rate on the Origin Performance Checking account, you have a $36K window. I understand the minimum $4K amount. But you only qualify for 5% "up to" $40K. $40,000? That's less than the average price of a new vehicle. That ridiculously low amount makes me wonder who their target market is, and raises too many red flags. The Santander/OpenBank option is much more desirable. I'm expecting their geographic limitations will eventually be waived.
Been with Origin pulling in 2,400 a year when rates were 6%. This is a checking account. Demand accounts will typically pay less and/or place limitations vs savings or mmkt accounts.
Cd i want not savings
Great content but not for me thank you
Looking for the EV and AI sectors Surging This Week at the same time. Thumbs Up video/ comments. Thanks.
EV is dead.
4 week T-bills and FZDXX & SPRXX.
Keep money in a broad market ETF which has outperformed stocks and such as a whole long term. And gives better rates than 4-5% which short term at best. Rather have security than chasing rates.