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HSBC Online Savings Account Now at 4.00% APY

Posted on November 4, 2005 // 7 Comments

Just got note that HSBC's Online Savings Account is now at 4.0%, matching Emmigrant Direct. (thanks Allan) Too bad I can't find any sign-up offers right now, I missed the last one for $35. Let's hear it for some rate wars! … [Read the rest]

Last updated: February 25, 2019

Buying I-Bonds in November: Worst Case Scenario

Posted on November 3, 2005 // 12 Comments

So what's the worst case scenario with I-Bonds if you cash out in a year? Well, that would mean deflation. Contrary to what some believe, the fixed rate is not the minimum you get. The minimum return is zero (see #5 of FAQ), meaning at least you … [Read the rest]

Last updated: October 10, 2011

What’s My Marginal Tax Rate?

Posted on November 2, 2005 // 13 Comments

If you don't know what your federal marginal tax rate is off the top of your head, here ya go. This way you know how much of those bank bonuses you'll actually get to keep. (I won't be sending 1099s for my Emigrant Direct bonuses though, don't … [Read the rest]

Last updated: January 5, 2016

Submissions for Carnival of Debt Reduction

Posted on November 2, 2005 // 4 Comments

I'm hosting the Carnival of Debt Reduction next week. To learn more please see the guidelines and schedule at MightyBargainHunter. I've only got one entry so far, so let get those debt-reduction posts coming in! (Just e-mail them to me). I need … [Read the rest]

Last updated: February 25, 2015

OneSuite 2.5 cents/minute Long Distance + 10-15% Bonus Promotion

Posted on November 1, 2005 // 17 Comments

Before I switched to VoIP and cell phones, I used OneSuite.com exclusively for long distance calls. The charge a meager 2.5 cents/minutes for calls to the lower 48 if you live an urban area, 2.9 cents otherwise. Great international rates too. To top … [Read the rest]

Last updated: February 27, 2015

Buying a 4-Week Treasury Bill, Hoping to break 4.30%

Posted on November 1, 2005 // 16 Comments

I think it was pretty cool we predicted the new I-Bond rate two-weeks ahead of time, and let everyone make some educated decisions on when to buy. I'm now interested in Treasury Bills. Today, the new rate for the 4-week T-Bill is 3.788%. After … [Read the rest]

Last updated: April 29, 2014

New I-Bond Fixed Rate: 1.0%, Current Return 6.73%

Posted on November 1, 2005 // 14 Comments

The new fixed rate for I-type Savings Bonds was announced today, and it has decreased from 1.2% to 1.0%, matching the lowest historical fixed rate. This was within my prediction of 1.0 to 1.4%, but one has to wonder if all the mid-October buzz … [Read the rest]

Last updated: October 9, 2011

Finding the Equivalent Bank Interest Rates For Savings Bonds

Posted on October 31, 2005 // 28 Comments

One perk of U.S. Savings Bonds (USSB) and Treasury Bills is that they are exempt from state and local income taxes. For comparison, what would be useful is a quick way of comparing those tax-advantaged rates with the regular interest rates from a … [Read the rest]

Last updated: October 6, 2011

U.S. Treasury Bills: Possible Worthwhile Investment

Posted on October 30, 2005 // 7 Comments

I was snooping around the U.S. Treasury website looking up stuff on potentially laddering I-Bonds, when I came across Treasury Bills again. Treasury Bills are short-term investments (from 4-26 weeks usually) that common folk like us can also buy at … [Read the rest]

Last updated: August 5, 2006

Laddering Bank CD’s: Is It Worth It?

Posted on October 30, 2005 // 8 Comments

I have most of my cash in a high-yield savings account making 4.12% APY. However, in previous days when the yield curve wasn't so flat, a technique called laddering along with certificates of deposit (CDs) was pretty popular. For example, let's … [Read the rest]

Last updated: October 19, 2011

Renting Rambles

Posted on October 27, 2005 // 8 Comments

I'm still a bit in shock over getting kicked out, with countless thoughts zipping around in my head. Here's my attempt to put them on virtual paper. Buying. Just not going to work. With 20/20 hindsight, yes, we should have bought a place when … [Read the rest]

Last updated: August 5, 2006

Buy, Rent, or Get Kicked Out

Posted on October 27, 2005 // 11 Comments

So I get a call from my landlord saying she just put up a bid for some beachfront property and may have to sell the house I'm renting to pay for it. Another "heads up" that we may have to move again in less than 9 months. I'm getting really. tired. … [Read the rest]

Last updated: August 5, 2006
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