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BoA Defenders of Wildlife down to 4.78% from 4.96%.


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Corporate Notes:

GE Interest Plus
<15k.....4.59% APY
15k-50k..4.75%
>=50k....4.91%

Caterpillar Financial
<5k:.....4.89% APY
5k-50k...5.04%
>=50k....5.20%

Ford Interest Advantage
<15k.....5.37% APY
15-50K...5.53%
>=50K....5.68%

Rates change weekly.


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What are the ratings of these corporate notes?


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Should Amboy Direct be added to the list?

Amboy


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Slugabed said:Corporate Notes:

GE Interest Plus
<15k.....4.59% APY
15k-50k..4.75%
>=50k....4.91%

Caterpillar Financial
<5k:.....4.89% APY
5k-50k...5.04%
>=50k....5.20%

Ford Interest Advantage
<15k.....5.37% APY
15-50K...5.53%
>=50K....5.68%

Rates change weekly.

If Ford happened to go bankrupt or just default on these debts, then you wouldn't get any money back, correct?


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This Quick Summary spreadsheet could get rather wide. How about speed of ACH transfers? From what I've read elsewhere, HSBC gets failing grades in that department.

And a column for the number of linkable accounts for ACH transfers. Emigrant Direct, until recently, had at least a maximum of three. Now they are at two. Two is inadequate for a "hub".

Can savings/MM accounts be linked or just checking? And can the linkage be done electronically or just with mailed, voided check?

My browser is not presenting a "unified view" of QS. I need to scroll left to right to view all the information. If someone is able to add additional columns, I will attempt to input what limited information I have into this enlarged spreadsheet.


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GM Demand Notes
current 6.0% APY
GM Demand Notes Link
Minimum investment $1000.
Withdrawls by check or EFT, minimum $250.
NOT FDIC insured
Technically available only to those in the GM "family", however this includes a huge number people - ALL employees, retirees, all dealer's employees, family members of employees or retirees, employees of suppliers, and stockholders (buy a share and you're eligible).


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jevon90 said:If Ford happened to go bankrupt or just default on these debts, then you wouldn't get any money back, correct?

AFAIK that's correct. (Or, you may get cents on the dollar.)

Prior to the subprime mess, I would have considered GE to be nearly as safe as a bank account. However, I have no idea whether or how much their financial business is affected.

As for the others, I prefer the safety of FDIC insurance -- though I don't have any specific info against Caterpillar, Ford or GM.


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mhesidence said:Added First Arkansas Bank & Trust - FirstNet Checking - 6.06% APY, No Cap, Open to All
Isn't that a Reward Checking type of account? I'm guessing that it is based on the fact that it's a checking account and pays a very high rate of interest. [Reward Checking accounts require a number of debit card transactions per month and/or direct deposit.]
Edit: Shouldn't it be in the Reward Checking thread? http://www.fatwallet.com/t/52/775437
v

Message edited by: aptvictoria on 2008-01-02 10:26:31 CST
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aptvictoria said:mhesidence said:Added First Arkansas Bank & Trust - FirstNet Checking - 6.06% APY, No Cap, Open to All
Isn't that a Reward Checking type of account? I'm guessing that it is based on the fact that it's a checking account and pays a very high rate of interest. [Reward Checking accounts require a number of debit card transactions per month and/or direct deposit.]

That's right, see the notes in the quick summary where it says "Reward Checking", or click the link goto the account sign up page (above and in QS) or follow the link to the fw disscusion thread in the quick summary.

"Edit: Shouldn't it be in the Reward Checking thread?" Yes, but it works for this one too.

Message edited by: mhesidence on 2008-01-02 10:30:10 CST
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Updated rates in quick summary.


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RMMXX down to 5.167% APY


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asdf9876 said:RMMXX down to 5.167% APY

This is a meaningless abbreviation. People should not be expected to do a Google search to know what this is.


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Grobe said:asdf9876 said:RMMXX down to 5.167% APY

This is a meaningless abbreviation. People should not be expected to do a Google search to know what this is.

I'm not really sure what you mean. Listing money market funds by their ticker symbol is pretty standard practice. I've never seen anyone type out what FSLXX really means all spelled out.

By seeing the XX you know it is a money market fund. Absent any other knowledge, you go to your broker and try to purchase RMMXX. That's really all you need to get started.

How many times on how many threads do we have to explain it is a no minimum, no load, open to the public money market fund?

RMMXX has been mentioned at least a half dozen times on this thread. How many times does it have to be explained to you?


I'm sorry you are so lazy that you have to have everything hand fed to you. Typing "RMMXX" into google sure is a daunting task.

Now I can't imagine how much labor it will take to log into your favorite brokerage to actually purchase it.

Message edited by: asdf9876 on 2008-01-07 10:40:22 CST
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Grobe said:asdf9876 said:RMMXX down to 5.167% APY

This is a meaningless abbreviation. People should not be expected to do a Google search to know what this is.
for those of us who haven't memorized all abbreviations, you could at least tip us off to which fund family this belongs.


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ThursdaysChild said:Grobe said:asdf9876 said:RMMXX down to 5.167% APY

This is a meaningless abbreviation. People should not be expected to do a Google search to know what this is.
for those of us who haven't memorized all abbreviations, you could at least tip us off to which fund family this belongs.

I've mentioned this money market fund at least a half dozen times. If you are too lazy to type 5 letters into google and hit enter, then you are not ready for non-FDIC insured "investing".

Even if I told Russell ran the fund, you should still investigate it for yourself.

The spoonfeeding and laziness has hit an all time low.

I bring you guys the current rate of one of the highest yielding mmfs available to retail investors and you guys b1tch because I don't hand you a proxy statement too.

Message edited by: asdf9876 on 2008-01-07 20:36:25 CST
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asdf9876 said:I've mentioned this money market fund at least a half dozen times. If you are too lazy to type 5 letters into google and hit enter, then you are not ready for non-FDIC insured "investing".

Even if I told Russell ran the fund, you should still investigate it for yourself.

The spoonfeeding and laziness has hit an all time low.

I bring you guys the current rate of one of the highest yielding mmfs available to retail investors and you guys b1tch because I don't hand you a proxy statement too.

Just think, if you had added RMMXX (with a link) to the Quick Summary, you wouldn't be b1tching about other people b1tching. You even discussed putting it in the Quick Summary, but I don't see it there. Seems to me that simply adding it in the first place would have been a lot more constructive than than your sarcasm and complaining. Personally, I'd rather read your thoughtful comments (of which you've had plenty) than this kind of garbage.

Message edited by: glxpass on 2008-01-08 00:22:09 CST
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glxpass said:asdf9876 said:I've mentioned this money market fund at least a half dozen times. If you are too lazy to type 5 letters into google and hit enter, then you are not ready for non-FDIC insured "investing".

Even if I told Russell ran the fund, you should still investigate it for yourself.

The spoonfeeding and laziness has hit an all time low.

I bring you guys the current rate of one of the highest yielding mmfs available to retail investors and you guys b1tch because I don't hand you a proxy statement too.

Just think, if you had added RMMXX (with a link) to the Quick Summary, you wouldn't be b1tching about other people b1tching. You even discussed putting it in the Quick Summmary, but I don't see it there. Seems to me that simply adding it in the first place would have been a lot more constructive than than your sarcasm and complaining. Personally, I'd rather read your thoughtful comments (of which you've had plenty) than this kind of garbage.

People b1tched that I shouldn't put it in the quick summary because it fluctuates daily.

So I'm getting b1tched at for asking to put it in and b1tched at for not doing it.

The only garbage I'm seeing are people who are too lazy to type 5 letters into Google. If you're too lazy to type 5 letters into google, why would you click to the front page, scroll down to the quick summary, and click on another link, and then read the link?


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Can I ask how something is "worthless" when you know the rate and all you have to do is go to any search engine, financial website, or brokerage and copy the ticker symbol?

Rather than taking 5 seconds to investigate an investment, we're supposed explain everything there is to know about every investment in a rate thread?

Did I ever ask anyone to memorize anything?

You guys seriously make investments without looking up a company first? Wow?

If not then what are you b1tching about? Has anyone else been including links with every individual post?

I was shot down when I tried to put it in the quicksummary. If you think it should be there why don't you add rather than whining?

Message edited by: asdf9876 on 2008-01-07 23:51:19 CST
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