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Forum » Best hysa acc (reps)
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Thread: Best hysa acc (reps)

post 1697767913 02-12-2024, 03:32 PM
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Best hysa acc (reps)

Millis bank gives 5.5% apy

But it says it can change anytime

Is there a possibility it goes down soon?

There’s others like Marcus that have 4.5 but give u .5% extra for 3 months for referrals but seems like too much work and may have a limit

There’s also treasury bonds but feel like they have time limit and can’t withdraw etc don’t know much about them
I don't check my CP, IDC about reps/negs


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post 1697771443 02-12-2024, 05:02 PM
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Completely depends if you need to flexibility to withdraw. TBH the choice between which online bank to use is the lower concern, once they're FDIC insured.

If you want to lock away a safe investment, buy treasury i-bonds which protect against inflation (via CPI indexing).

If you want flexibility to withdraw, pick Marcus or Ally HYSA or CDs depending on your horizon.
𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍

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post 1697771823 02-12-2024, 05:14 PM
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Originally Posted By Luc1fer⏩
Completely depends if you need to flexibility to withdraw. TBH the choice between which online bank to use is the lower concern, once they're FDIC insured.

If you want to lock away a safe investment, buy treasury i-bonds which protect against inflation (via CPI indexing).

If you want flexibility to withdraw, pick Marcus or Ally HYSA or CDs depending on your horizon.
What’s the % on treasury i bonds?

Also I think all including Millis have flexibility
I don't check my CP, IDC about reps/negs


♥♥♥♥♥♥♥♥ RIP Zyzz, The Father Of Aesthetics. 1989 -2011. Forever in our hearts ♥♥♥♥♥♥♥♥
post 1697772573 02-12-2024, 05:31 PM
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Originally Posted By conics⏩
What’s the % on treasury i bonds?
google.com
𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍

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post 1697773103 02-12-2024, 05:42 PM
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Originally Posted By TugOfPeace⏩
OP is a ph4ggot
And a chit tier larping troll...Super DFS
See ShakeBrah's signature
post 1697774153 02-12-2024, 06:08 PM
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Originally Posted By Luc1fer⏩
google.com
U can’t withdraw on i bonds I thought
I don't check my CP, IDC about reps/negs


♥♥♥♥♥♥♥♥ RIP Zyzz, The Father Of Aesthetics. 1989 -2011. Forever in our hearts ♥♥♥♥♥♥♥♥
post 1697774823 02-12-2024, 06:23 PM
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Conics can catch a kiss really fkn quick.
post 1697774923 02-12-2024, 06:25 PM
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Originally Posted By conics⏩
U can’t withdraw on i bonds I thought
treasurydirect.gov There's maturities from 30 days out to 30 years.
"Bones heal, pain is temporary, and chicks dig scars" - Evel Knievel
post 1697775023 02-12-2024, 06:28 PM
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Originally Posted By stevebec⏩
treasurydirect.gov There's maturities from 30 days out to 30 years.
Series I Savings Bonds
5.27%
This includes a fixed rate of 1.30%

For I bonds issued November 1, 2023 to April 30, 2024.

More About Savings Bonds
30-Year Bonds
4.250%
Issued 02/15/2024. Price per $100: 98.168819. CUSIP 912810TX6.


Millis is at 5.5% so why would I pick this
I don't check my CP, IDC about reps/negs


♥♥♥♥♥♥♥♥ RIP Zyzz, The Father Of Aesthetics. 1989 -2011. Forever in our hearts ♥♥♥♥♥♥♥♥
post 1697775383 02-12-2024, 06:39 PM
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Originally Posted By conics⏩
Millis is at 5.5% so why would I pick this
Because when the Fed starts dropping rates in a few months Millis is going to drop theirs as well. Interest rate on bonds is locked in for the life of the bond.
"Bones heal, pain is temporary, and chicks dig scars" - Evel Knievel
post 1697776523 02-12-2024, 07:16 PM
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Originally Posted By stevebec⏩
Because when the Fed starts dropping rates in a few months Millis is going to drop theirs as well. Interest rate on bonds is locked in for the life of the bond.
Series I Savings Bonds
5.27%
This includes a fixed rate of 1.30%

It says 1.30% is fixed
I don't check my CP, IDC about reps/negs


♥♥♥♥♥♥♥♥ RIP Zyzz, The Father Of Aesthetics. 1989 -2011. Forever in our hearts ♥♥♥♥♥♥♥♥
post 1697777033 02-12-2024, 07:32 PM
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I use the raisin app. You can invest in HYSA’s and high yield CDs from a bunch of different banks. I chose western alliance just bc it had the highest rates.

5.28% on the HYSA which fluctuates, it was at 5.50% at one point. 5.51% on the high yield CD which is locked in but you have to keep your money in there until the maturity date.

6’0
180
post 1697777553 02-12-2024, 07:47 PM
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Originally Posted By eatliftskate⏩
I use the raisin app. You can invest in HYSA’s and high yield CDs from a bunch of different banks. I chose western alliance just bc it had the highest rates.

5.28% on the HYSA which fluctuates, it was at 5.50% at one point. 5.51% on the high yield CD which is locked in but you have to keep your money in there until the maturity date.

Well Idt I would be withdrawing anytime soon prolly not for at least a year so if a maturity rate of 5.51 and 1 year then I’m in
I don't check my CP, IDC about reps/negs


♥♥♥♥♥♥♥♥ RIP Zyzz, The Father Of Aesthetics. 1989 -2011. Forever in our hearts ♥♥♥♥♥♥♥♥
post 1697795273 02-13-2024, 08:01 AM
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Originally Posted By conics⏩
Series I Savings Bonds
5.27%
This includes a fixed rate of 1.30%

It says 1.30% is fixed
Correct. The rest is based on the CPI, so it always pays 1.30% above inflation. The other non-I bonds and hysa don't have that feature, but if you think interest rates have peaked, you can lock them in for the duration of the bond.
"Bones heal, pain is temporary, and chicks dig scars" - Evel Knievel
post 1697867463 02-14-2024, 06:44 PM
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Originally Posted By stevebec⏩
Correct. The rest is based on the CPI, so it always pays 1.30% above inflation. The other non-I bonds and hysa don't have that feature, but if you think interest rates have peaked, you can lock them in for the duration of the bond.
What does cpi stand for
I don't check my CP, IDC about reps/negs


♥♥♥♥♥♥♥♥ RIP Zyzz, The Father Of Aesthetics. 1989 -2011. Forever in our hearts ♥♥♥♥♥♥♥♥
post 1697867533 02-14-2024, 06:46 PM
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maxmyinterest.com
post 1697867583 02-14-2024, 06:47 PM
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Originally Posted By conics⏩
Series I Savings Bonds
5.27%
This includes a fixed rate of 1.30%

It says 1.30% is fixed
I bonds are a scam right now. You can get much better rates than that on a 3 month treasury note and not have to wait 2 years to withdraw your money.
post 1697873383 02-14-2024, 09:43 PM
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Originally Posted By OliverHeldens⏩
I bonds are a scam right now. You can get much better rates than that on a 3 month treasury note and not have to wait 2 years to withdraw your money.
ibonds have tax benefits, no state tax plus ability to defer federal tax until maturity (at which point tax bracket may be lower).
𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍

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post 1697873503 02-14-2024, 09:50 PM
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OP is wasting the time of probably a dozen posters by having them post srs and helpful responses and will forever keep asking follow up questions that will keep wasting time. OP probably doesn't even have any money to save
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1697873543 02-14-2024, 09:53 PM
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Originally Posted By conics⏩
What does cpi stand for
Consumer Price Index. Basically, inflation.
"Bones heal, pain is temporary, and chicks dig scars" - Evel Knievel
post 1697873603 02-14-2024, 09:56 PM
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Originally Posted By SaviorSelfJT⏩
OP is wasting the time of probably a dozen posters by having them post srs and helpful responses and will forever keep asking follow up questions that will keep wasting time. OP probably doesn't even have any money to save
Already lost patience and negged him.
𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍

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post 1697873653 02-14-2024, 09:57 PM
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Originally Posted By TugOfPeace⏩
its hilarious people give him serious responses
Is he a known troll or something? I barely recognize the name.
𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍

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post 1697873683 02-14-2024, 09:58 PM
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Originally Posted By Luc1fer⏩
ibonds have tax benefits, no state tax plus ability to defer federal tax until maturity (at which point tax bracket may be lower).
That's true about i bonds and treasury bills. Regular notes and bonds pay interest twice a year.
"Bones heal, pain is temporary, and chicks dig scars" - Evel Knievel
post 1697873823 02-14-2024, 10:02 PM
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Originally Posted By Luc1fer⏩
Already lost patience and negged him.
Originally Posted By Luc1fer⏩
Is he a known troll or something? I barely recognize the name.
Still salty cause he made a thread one time asking for advice on buying a new car and I wasted so much time giving advice and it eventually became clear that he had no intention of every buying a car, just keeps asking more and more follow up questions seemingly in a way to deliberately waste as much of your time as possible

I stopped posting in his threads but I see them all the time and its the same schtick
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1697873863 02-14-2024, 10:05 PM
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Originally Posted By TugOfPeace⏩
hard to tell I think he's just really really stupid and autist

I negged him, hopefully if he becomes red nobody will take him seriously

he's not annoying enough to put on my ignore list though lol
I feel like he's just giggling over there laughing about how strangers are wasting time posting in his threads

If there's ever a time to run a neg train this would be it
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1697876593 02-15-2024, 12:18 AM
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Originally Posted By SaviorSelfJT⏩
I feel like he's just giggling over there laughing about how strangers are wasting time posting in his threads

If there's ever a time to run a neg train this would be it
Ur completely wrong and I’ve taken advice from this thread

Saying I have no $ saved up either because I do

Regarding the car thread not sure how ur saying I never ended up getting a car because I did

Idc about reps or negs but all my threads are srs I’ve even had my irl friends post in them to vouch for me

Also the questions I ask could be beneficial to others not just me so it’s helping others out as well so they are getting advice and learning from them as well

I had found ur Advice really helpful in the car thread actually but not sure how u concluded I didn’t use it and apply it
I don't check my CP, IDC about reps/negs


♥♥♥♥♥♥♥♥ RIP Zyzz, The Father Of Aesthetics. 1989 -2011. Forever in our hearts ♥♥♥♥♥♥♥♥
post 1697876683 02-15-2024, 12:20 AM
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Originally Posted By TugOfPeace⏩
hard to tell I think he's just really really stupid and autist

I negged him, hopefully if he becomes red nobody will take him seriously

he's not annoying enough to put on my ignore list though lol, I find humor in seeing people give him srs responses
Neither, just lack of experience that’s it which I can get better at by getting more experience

As I said my threads where ppl post advice etc help others out not just me
I don't check my CP, IDC about reps/negs


♥♥♥♥♥♥♥♥ RIP Zyzz, The Father Of Aesthetics. 1989 -2011. Forever in our hearts ♥♥♥♥♥♥♥♥
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