Speaking of commission free...M1 Financial is looking very good to me as a brokerage option. Check out their "How We Trade" pdf. Commission free, fractional shares, dividend reinvesting, 1.35 margin if you want it at a very competitive (though not the best) rate and a very cool way to do ...

Almost all ETFs will trade free excluding leveraged funds.

https://investornews.vanguard/coming-in ... investors/

https://personal.vanguard.com/us/funds/ ... irect=true
Would federal money market @ 1.68% be state tax free?

https://www.depositaccounts.com/savings/

Northpointe bank is at 2.05% but I don't trust them to hold their rates.

https://www.fool.com/investing/general/ ... -plan.aspx

I actually think it would work well for a lot people.

If you have enough cash for emotional security blanket. I think my wife would be completely fine like Warren's.

I believe your current holdings accounts for penalties if you withdrew today. I think it will start showing increased amount after year 1.

First page definitely does only show face value without any interest though. That will not change over years.

It might be too early to gauge but stocks going down have the least emotional stress on me versus losing money on bonds and gold.

It might be a possibly irrational belief that they will always go up in the long run and don't feel that way at all about bonds and gold.

I got my first mortgage in 2016 and had the same thought path as you but I started thinking more clearly after about 6 months in. Think about the mortgage as negative bond. You won't be able to get bonds paying that high of a rate. 6 months in, I had an oh crap moment and realized how out of balance...

Soon to be offered through as far as I know, the legitimate Robinhood.

https://crypto.robinhood.com/

Bitcoin has been up almost 2000% and currently 1000% since it passed gold and I still don't understand it.

dualstow wrote:What is the new minimum?

I just checked Vanguard 1 year treasuries and lowest minimum was 100 so basically $100,000. That is quite high.

However, it did let me set quantity at 1 through 99 but lowered effective yield from 1.87 to 1.84.

I have been fortunate enough to have never been in a situation to need welfare. I don't like how the system punishes savers though. I have come across people that fall into the trap of not wanting to save at all. I like the citizen dividend idea the most as a solution but there will never be anythin...

Savings accounts need to catch up.

Best return and convenience right now really is the 1 year treasury @ 1.8%. Especially if you have to pay state income tax.

1 year cds might get you 2% with too much hassle.

The frustrating thing is the welfare cliffs. You are encouraged to keep income low. In Colorado specifically, you have to pay for the school bus or preschool unless you stay under cliff. Just give to everyone for free at that point. Edit :Another welfare cliff Colorado has, subsidized home loans und...

Rate of return does matter. Institutions would love to be able to get .95 with deposit garauntee instead of negative interest rates. Maybe I am more conservative than others but I would also be paying down mortgage before investing elsewhere. Why borrow at a rate of return higher than you know you w...

I would first take advantage of the deposit guarantee, combine your cash and long bonds into one bucket and get the best rate you can find. 5 year term deposit with deposit guarantee pays .86% while Sweden 5 year bond pays -0.013%. Pretty good deal. https://seb.se/privat/spara-och-placera/oppna_ett_...

For some reason, the feeling in the air today has me really liking gold as a safe haven. It is not perfect but I can't think of a better worldly insurance policy. I was really hating it just a month or so ago. Edit: Of course this means that it is about to really tank hard. So probably a good time t...

ProShares has filed to offer Short Bitcoin ETF. Not sure of timing. Might be interesting to take the other side of the trade, but it could be like catching lightning in a jar. If it is like the other derivative bitcoin products, they have daily swing limits at 20% or so and no actual bitcoin are in...

What a mess for charitable donations. It would be better to just not allow deductions for charitable donations at all and lower the tax rate some if they can. Personally I don't care about the deduction but you feel like you have to jump through the tax hoops if it is available. Maybe I am wrong but...

The negative interest rates going on around the world are absolutely fascinating to me. That being said, it seems like the 30 year treasury rate is a pretty good deal. For a little more risk, i feel like the 10 year secondary market FDIC CDs ~2.90% and the EE bonds ~3.5% are a better deal for the re...

dualstow wrote:Gold < 1250

The Salvation Army lady dumped my krugerrand right out of her bucket.
j/k

http://www.rgj.com/story/news/2017/12/1 ... /956984001

Very nice benefit considering treasuries are the preferred instrument anyway.

Thanks for sharing.

I would sleep a lot easier with a reit index fund.

I wouldn't trust myself with that much concentrated risk.

You would need to love it or it will end up being a headache with even the little things.

This Wikipedia article helps with thinking about it. https://en.wikipedia.org/wiki/Store_of_value For the long run I would definitely want gold over physical cash. The question is whether gold is actually a better store of value than cash that is earning interest. I think ultimately all of the PP as...

http://www.cmegroup.com/media-room/press-releases/2017/12/01/cme_group_self-certifiesbitcoinfuturestolaunchdec18.html A literal online casino. The next market top will be when Bitcoin is on the cover of Time Magazine like housing was in 2005 http://content.time.com/time/covers/0,16641,20050613,00.html

Did you not try coinbase.com yet?

From what I understand they are the easiest.

I also read that Bitflyer https://bitflyer.jp/en-us/?top_link operating in the US now.

Never done any of it myself though. These sites sure remind me of those blatant internet pyramid schemes in the early 2000's