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Started By
Message
Anyone shop CDs lately?
Posted on 7/23/19 at 9:25 pm
Posted on 7/23/19 at 9:25 pm
Anything stand out in the BR market?
6
Posted on 7/23/19 at 9:27 pm to mpar98
quote:
Prince – My Name was Price (Japan-only compilation)
this has aged well if you still have a copy
Posted on 7/23/19 at 9:47 pm to mpar98
Not since pandora and Spotify hit the App Store
Posted on 7/24/19 at 7:31 am to mpar98
Live Oak bank has a 2.75% 1 year CD. last I looked.
Posted on 7/24/19 at 7:38 am to notsince98
quote:
Live Oak bank has a 2.75% 1 year CD. last I looked.
That sounds pretty consistent - 2.7 or so, but I think a 2% money market is a better cash equivalent. Still liquid - I'm not sure I want to lose flexibility for 7 tenths of a percent.
Posted on 7/24/19 at 8:12 am to mpar98
No CDs, but Wealthfront has a 2.57% high interest savings account.
Posted on 7/24/19 at 8:14 am to Ace Midnight
quote:
Still liquid - I'm not sure I want to lose flexibility for 7 tenths of a percent.
Yeah I was going to recommend this. You can find Money Market's for over 2%, if a CD considerably under 3% I'd go with a money market.
FWIW I have both. 0.5% difference is significant in the Looooong term but we are talking short term her.
Posted on 7/24/19 at 9:20 am to baldona
quote:But 0.5% is not worth tying up money for the long term.
FWIW I have both. 0.5% difference is significant in the Looooong term but we are talking short term her.
Posted on 7/24/19 at 10:13 am to mpar98
I saw a People’s sign at 3.07%
Posted on 7/24/19 at 11:00 am to NOSHAU
quote:
But 0.5% is not worth tying up money for the long term.
Certainly mostly agree. I mean 0.5% is worth billions of dollars in the grand scheme of things. And with a CD you really aren't "tied" up, you can always get your money out you usually just lose any interest you made. Also, a 1 year or 18 month CD is not tied up for that long. If you have no plans for your money for that long OR even better reason to demotivate you from touching it....
I agree though a money market that's within 0.5% is likely better
Posted on 7/24/19 at 11:50 am to baldona
You don't lose all the interest. I think it is the last 60 or 90 days of interest for CDs under 3 years.
Posted on 7/24/19 at 1:23 pm to notsince98
Speaking of liquid, my Sofi Money checking has been working well. 2.25APY true checking account. Earned more interest on checking in one month did I did the last 10 years with USAA 
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