Yep, it's the best I can find that still gives me instant access to my cash.max225 wrote: ↑Tue Jun 05, 2018 7:26 pmhttps://www.ally.com/bank/online-saving ... I8QAvD_BwE
Oh interesting... they are indeed at 1.6
Do you even invest?
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Desertbreh wrote: ↑Tue Oct 10, 2017 6:40 pm My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.
Nah, two seperate things, 401k is for retirement, I have an account with Voya and Vanguard strictly for retirement. Acorns is more like a mutual fund savings account, which I'm saving for a down payment with, but if I should keep that money somewhere safer.
My Discover savings account is also at 1.6%. Better to get a savings account at a non brick and mortar place. 1.6% still blows though, don't really want to have five figures tied up at that rate.max225 wrote: ↑Tue Jun 05, 2018 7:26 pmhttps://www.ally.com/bank/online-saving ... I8QAvD_BwE
Oh interesting... they are indeed at 1.6
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Well the key is options... I think I'll try to keep around 30k in cash as an emergency... the rest is fair game... but I just don't want to pile it into the market... seems like a risky proposition. My savings pays .01% or some BS fuck Citibank.D Griff wrote: ↑Tue Jun 05, 2018 7:44 pmMy Discover savings account is also at 1.6%. Better to get a savings account at a non brick and mortar place. 1.6% still blows though, don't really want to have five figures tied up at that rate.max225 wrote: ↑Tue Jun 05, 2018 7:26 pm
https://www.ally.com/bank/online-saving ... I8QAvD_BwE
Oh interesting... they are indeed at 1.6
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Yea, 30k is my liquid number too. I really don't want to "invest" that and watch it evaporate, so I put it in the safest thing with maximum return and immediate access, which seems to be online savings.
I guess I have $10k or so to "play with" but this market just makes me nervous. Can't keep going up forever, and it would be my like that as soon as I invest it tanks.
Desertbreh wrote: ↑Tue Oct 10, 2017 6:40 pm My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.
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What bondz are these. Most municpals and safe bets are far Lower than that ?!Desertbreh wrote: ↑Wed Jun 06, 2018 12:21 amEh, no. I'm getting 3%-5.75%, from 2-4 years. Cash is 1.7% now. That's through "a guy", not the interwebz.
Bail bondz ?!
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Allow me to invest it. Im up 30% on my stocks in the last 6 months.
Granted I have minimal money in the market and I have no idea what im doing.
Granted I have minimal money in the market and I have no idea what im doing.
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max225 wrote: ↑Wed Jun 06, 2018 12:22 amWhat bondz are these. Most municpals and safe bets are far Lower than that ?!Desertbreh wrote: ↑Wed Jun 06, 2018 12:21 am
Eh, no. I'm getting 3%-5.75%, from 2-4 years. Cash is 1.7% now. That's through "a guy", not the interwebz.
Bail bondz ?!
Desertbreh wrote: ↑Tue Oct 10, 2017 6:40 pm My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.
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I can put it into the “market” as well. The point is to not use stocks and use something a bit more safeBarnes93cb wrote: ↑Wed Jun 06, 2018 5:21 am Allow me to invest it. Im up 30% on my stocks in the last 6 months.
Granted I have minimal money in the market and I have no idea what im doing.
IC.max225 wrote: ↑Wed Jun 06, 2018 11:23 amI can put it into the “market” as well. The point is to not use stocks and use something a bit more safeBarnes93cb wrote: ↑Wed Jun 06, 2018 5:21 am Allow me to invest it. Im up 30% on my stocks in the last 6 months.
Granted I have minimal money in the market and I have no idea what im doing.
like bit coin!
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You're the guy who asked. Some of the higher yields are preferred stock, not bonds.max225 wrote: ↑Wed Jun 06, 2018 12:22 amWhat bondz are these. Most municpals and safe bets are far Lower than that ?!Desertbreh wrote: ↑Wed Jun 06, 2018 12:21 am
Eh, no. I'm getting 3%-5.75%, from 2-4 years. Cash is 1.7% now. That's through "a guy", not the interwebz.
Bail bondz ?!
38380UVA8 | GOVT NATL MTG ASSN SER 2018-013 CL 3-GA 3.00000% 01/20/2048 0.97465016
3136ADUQ0 | FEDL NATL MTG ASSN SER 2013-026 CL 6-KT 2.50000% 04/25/2043 0.54463593
3136AXU94 | FEDL NATL MTG ASSN SER 2017-072 CL 2-HA 3.00000% 09/25/2047 0.82535393
CPTAG | CAPITALA FIN CORP 5.75% NT CV 22 PFD
HERCULES CAPITAL INC 6.25 SR NTS 24 6.25000% 07/30/2024 (HTGX)
KAP | KCAP FINL INC SR NT 7.375% 09/30/2019 PFD As of 06-Jun-2018 12:15:10 PM ET
MSPRI | MORGAN STANLEY 6.37504% PFD
Samples from my purported "safe zone"
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Barnes93cb wrote: ↑Wed Jun 06, 2018 5:21 am Allow me to invest it. Im up 30% on my stocks in the last 6 months.
Granted I have minimal money in the market and I have no idea what im doing.
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Ah... thanks for posting them. So with bonds are you safeguarded if say CAPITALA FIN CORP decided to go bottoms up?Desertbreh wrote: ↑Wed Jun 06, 2018 12:17 pmYou're the guy who asked. Some of the higher yields are preferred stock, not bonds.
38380UVA8 | GOVT NATL MTG ASSN SER 2018-013 CL 3-GA 3.00000% 01/20/2048 0.97465016
3136ADUQ0 | FEDL NATL MTG ASSN SER 2013-026 CL 6-KT 2.50000% 04/25/2043 0.54463593
3136AXU94 | FEDL NATL MTG ASSN SER 2017-072 CL 2-HA 3.00000% 09/25/2047 0.82535393
CPTAG | CAPITALA FIN CORP 5.75% NT CV 22 PFD
HERCULES CAPITAL INC 6.25 SR NTS 24 6.25000% 07/30/2024 (HTGX)
KAP | KCAP FINL INC SR NT 7.375% 09/30/2019 PFD As of 06-Jun-2018 12:15:10 PM ET
MSPRI | MORGAN STANLEY 6.37504% PFD
Samples from my purported "safe zone"
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Bonds are still a rather long-term play, aren't they?
Desertbreh wrote: ↑Tue Oct 10, 2017 6:40 pm My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.
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The lower four are technically "stocks".......but as preferred stocks they guarantee a specific return. If I was smarter about this stuff I could tell you more. The stock prices do fluctuate up and down, but minimally. But at the end of the day the promise is X% by Xday. Does my Morgan Stanley preferred stock get paid if they go belly up in a Wall Street Inferno ala Bear Stearns? Probably not.max225 wrote: ↑Wed Jun 06, 2018 12:39 pmAh... thanks for posting them. So with bonds are you safeguarded if say CAPITALA FIN CORP decided to go bottoms up?Desertbreh wrote: ↑Wed Jun 06, 2018 12:17 pm
You're the guy who asked. Some of the higher yields are preferred stock, not bonds.
38380UVA8 | GOVT NATL MTG ASSN SER 2018-013 CL 3-GA 3.00000% 01/20/2048 0.97465016
3136ADUQ0 | FEDL NATL MTG ASSN SER 2013-026 CL 6-KT 2.50000% 04/25/2043 0.54463593
3136AXU94 | FEDL NATL MTG ASSN SER 2017-072 CL 2-HA 3.00000% 09/25/2047 0.82535393
CPTAG | CAPITALA FIN CORP 5.75% NT CV 22 PFD
HERCULES CAPITAL INC 6.25 SR NTS 24 6.25000% 07/30/2024 (HTGX)
KAP | KCAP FINL INC SR NT 7.375% 09/30/2019 PFD As of 06-Jun-2018 12:15:10 PM ET
MSPRI | MORGAN STANLEY 6.37504% PFD
Samples from my purported "safe zone"
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Well, that's not necessarily a bond then... No free lunch. Municipal bonds don't really go belly up unless you invest into something like Flint Michigan waterDesertbreh wrote: ↑Wed Jun 06, 2018 1:06 pmThe lower four are technically "stocks".......but as preferred stocks they guarantee a specific return. If I was smarter about this stuff I could tell you more. The stock prices do fluctuate up and down, but minimally. But at the end of the day the promise is X% by Xday. Does my Morgan Stanley preferred stock get paid if they go belly up in a Wall Street Inferno ala Bear Stearns? Probably not.
Detroit toomax225 wrote: ↑Wed Jun 06, 2018 1:10 pmWell, that's not necessarily a bond then... No free lunch. Municipal bonds don't really go belly up unless you invest into something like Flint Michigan waterDesertbreh wrote: ↑Wed Jun 06, 2018 1:06 pm
The lower four are technically "stocks".......but as preferred stocks they guarantee a specific return. If I was smarter about this stuff I could tell you more. The stock prices do fluctuate up and down, but minimally. But at the end of the day the promise is X% by Xday. Does my Morgan Stanley preferred stock get paid if they go belly up in a Wall Street Inferno ala Bear Stearns? Probably not.
They all have their risk.
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The first three are bonds. 3%.max225 wrote: ↑Wed Jun 06, 2018 1:10 pmWell, that's not necessarily a bond then... No free lunch. Municipal bonds don't really go belly up unless you invest into something like Flint Michigan waterDesertbreh wrote: ↑Wed Jun 06, 2018 1:06 pm
The lower four are technically "stocks".......but as preferred stocks they guarantee a specific return. If I was smarter about this stuff I could tell you more. The stock prices do fluctuate up and down, but minimally. But at the end of the day the promise is X% by Xday. Does my Morgan Stanley preferred stock get paid if they go belly up in a Wall Street Inferno ala Bear Stearns? Probably not.
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They were good but I started foaming at the mouth with the 5.75% one....
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It was more sarcasm than anything. Ive read that stuffing your mattress is safe.max225 wrote: ↑Wed Jun 06, 2018 11:23 amI can put it into the “market” as well. The point is to not use stocks and use something a bit more safeBarnes93cb wrote: ↑Wed Jun 06, 2018 5:21 am Allow me to invest it. Im up 30% on my stocks in the last 6 months.
Granted I have minimal money in the market and I have no idea what im doing.
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It is as long as you're ok with a -5-10% return a yearBarnes93cb wrote: ↑Wed Jun 06, 2018 2:35 pmIt was more sarcasm than anything. Ive read that stuffing your mattress is safe.
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Not that impressive. I have no idea what im doing and most of the success can be attributed to my share of amazon. It makes up half my overall money into the market.Desertbreh wrote: ↑Wed Jun 06, 2018 12:18 pmBarnes93cb wrote: ↑Wed Jun 06, 2018 5:21 am Allow me to invest it. Im up 30% on my stocks in the last 6 months.
Granted I have minimal money in the market and I have no idea what im doing.
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So long as you get a raise youre good. Increasing income by 10% per year youre still ahead. mathsmax225 wrote: ↑Wed Jun 06, 2018 2:37 pmIt is as long as you're ok with a -5-10% return a yearBarnes93cb wrote: ↑Wed Jun 06, 2018 2:35 pm
It was more sarcasm than anything. Ive read that stuffing your mattress is safe.
Maybe I just need to get way stupider and I'll make more money.Barnes93cb wrote: ↑Wed Jun 06, 2018 2:39 pmSo long as you get a raise youre good. Increasing income by 10% per year youre still ahead. maths