TheManWhoExcaped said:DaveHanson said:Sorry, just now saw this:
mrlandlord said:Dave, what is the current spread between your heloc and your best cd?

where are you getting the highest return?I'm not in CDs except in my IRAs, where I'm lucky enough to have 6% (golden1 CU), 6.25% (PenFed), and 8% (Spokane Law Enforcement Credit Union--and no, they don't offer them any more, or take out-of-area memberships).

For taxable accounts, I prefer the liquidity and higher (current) rates of rewards checking accounts, which vary from 6-4%.
Dave,

How do you get around the low limit on the reward checking account as well as required high number of transactions issue?

He gets several accounts with different banks or credit unions and buys gasoline $3.00 at a time or makes several $1.00 donations per month.

TheManWhoExcaped said:peteypablo said:He gets several accounts with different banks or credit unions and buys gasoline $3.00 at a time or makes several $1.00 donations per month. That might work for say 5 accounts say each with 25K. But it probably won't work for say, 500K ,which Dave said he had/has. That will require the money split among 20 accounts.Actually, I only work with rewards checking accounts allowing >$25K at the bonus tier, and generally >=$50K. And I tend to make several $1 utility payments per account. Since I pay MANY utility bills (owning investment property), this is not difficult. It will take a good half hour to do this online. It's tedious but easy to mulitask with; I'll generally do it while returning phone calls or the like.