Personal finance, explained with real numbers.
posted on
"Money market" names two different products. A money market account is a deposit at a bank or credit union, federally insured up to the limits. A money market fund is a mutual fund regulated …
Continue Reading about Treasury Bills vs Money Market Funds and Accounts →
posted on
No. An I bond is not a bank deposit, so FDIC deposit insurance does not apply to it. Its protection works differently: an I bond is a loan to the United States government, bought directly from the …
Continue Reading about Are I Bonds FDIC Insured? Safety, Value and the Real Risks →
posted on
New I bonds are sold in one place: TreasuryDirect, the Treasury's own website. Since 1 January 2025 I bonds have been "only available electronically", and Treasury calls …
Continue Reading about Where to Buy I Bonds and How: TreasuryDirect, Limits, Gifts →
posted on
Edward Jones sells certificates of deposit only in brokered form: CDs issued by banks, bought through an Edward Jones financial advisor and held in an Edward Jones account. Its CD rates are annual …
Continue Reading about Edward Jones CD Rates: Fees, Interest and Selling Early →
posted on
Charles Schwab sells certificates of deposit in brokered form. Through Schwab CD OneSource, its CD marketplace, you buy CDs issued by FDIC-insured banks and hold them in a Schwab brokerage account or …
Continue Reading about Charles Schwab CD Rates: Brokered CDs, Fees and Exits →
posted on
American Express sells certificates of deposit through American Express National Bank, Member FDIC, opened and held directly with the bank online. It publishes the current rates in a term table on its …
Continue Reading about American Express CD Rates: Terms, Penalties and Renewal →