Newsletter Subject

Your Bank Is Screwing You

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crowdability.com

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newsletter@mb.crowdability.com

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Wed, Apr 24, 2024 03:00 PM

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My bank insults me. It slaps my face and gives me the bird. One-hundredth of 1% interest on my savin

My bank insults me. It slaps my face and gives me the bird. One-hundredth of 1% interest on my savings accounts? C’mon. That insults my intelligence. It mocks my wallet. I bet your bank isn’t much better. Maybe it’s worse. If you’re sitting on any cash at all, you should be earning about 5% on […] You're receiving this email as part of your subscription to Crowdability. [Unsubscribe here](. [Crowdability Editorial]( [feature] Your Bank Is Screwing You Matthew Milner My bank insults me. It slaps my face and gives me the bird. One-hundredth of 1% interest on my savings accounts? C’mon. That insults my intelligence. It mocks my wallet. I bet your bank isn’t much better. Maybe it’s worse. If you’re sitting on any cash at all, you should be earning about 5% on it. And today, I’ll show you how to get it. Got Cash in a Savings Account? Get It Out As you’re probably aware, interest rates have surged recently. Higher rates are terrible if you’re borrowing money for a car or a house or a credit-card balance. But if you’re a saver who’s sitting on some cash, higher rates can be great. After all, with the Federal Funds rate at 5.25% to 5.50%, there are plenty of risk-free ways today to lock in a yield of 5% or even more. The thing is, so many savers out there aren’t taking advantage of these high rates. For example, if you’re keeping your cash in a traditional bank savings account, you’re getting screwed… According to the Federal Deposit Insurance Company (FDIC), the national average rate on bank savings accounts is just .47%. Check out the spread between what banks are earning on your cash, and what they pay you! And as noted above, my bank, JP Morgan Chase, pays just one-hundredth of 1% — so rude! Where can we do better? Three Ways to Earn 5%+ Here are three sleep-easy ways to earn at least 5% on your cash. EverBank — EverBank is a high-quality online bank that offers: - 5.15% APY. - No monthly maintenance fee. - $0 to open and no minimum balance. - FDIC-insured. [To learn more, click here »]( Schwab Value Advantage Money Fund® - Investor Shares — Schwab is a trusted low-cost broker. It offers a popular money-market fund that currently yields 5.16%. The ticker is SWVXX. The fund’s stated goal is to “seek the highest current income consistent with stability of capital and liquidity.” Essentially, it invests in high-quality, short-term money-market investments from U.S. and foreign issuers. [To learn more, click here »]( T-Bills — T-Bills, short for Treasury bills, are short-term U.S. government debt obligations backed by the Treasury Department. Terms range from four to fifty-two weeks. If you’d like to lock in today’s high rates before they potentially go down in the future, take a look at T-bills. As you can see below (courtesy of Bloomberg), you can lock in a rate of nearly 5% for the next year by buying one-year bills. You can buy T-bills at online brokerages like Schwab, or at Treasury Direct, which is an official website of the U.S. government. By the way, since T-bills aren’t taxable at the state level, their after-tax yield can look even more attractive. [You can explore Schwab’s T-Bill offerings here »]( [And you can explore Treasury Direct here »]( Don’t Get Screwed If you’re like most folks, your bank is screwing you. Don’t accept the paltry yields they offer. Remember, if you’re sitting on cash, you should be earning about 5% on it. Don’t get screwed! Lock in some yield today. Happy Investing. Best Regards, [Matthew Milner] Matthew Milner Founder Crowdability.com [Click Here to Leave a Comment for Matthew »]( [related] - [Surprise: “Fool’s Gold” Has Real Value]( - [This Camera Can Undress You]( - [New Law Forces Your Boss to Leave You Alone]( - [How a Random Belarusian Ended Up in Space]( - [If You Hear These Four Words, Hang Up]( [related] - [Tomorrow: Wealthy Investors Dive into “Sports Week” — Join Them]( - [Elon Musk Proves Mind-Control is Real]( - [Do You Like Bugs? NASA Needs You]( - [Why These Retirees Are Investing Billions in Startups]( - [Beware: TikTok Could Lead You to Financial Disaster]( [watch] [What are “Venture Capitalists”?]( What are “Venture Capitalists”? Venture Capitalists (or “VCs” for short) are professional money managers. But instead of investing in stocks, they invest in start-ups. Learn more about them below: [Click here to watch »]( [try our premium products] [ESP]( [Early Stage Playbook]( An in-depth video series that helps you master the proven process used by industry professionals to build a portfolio of early-stage "start-ups." [CIQ]( [Crowdability IQ]( An easy-to-use “stock screener” that quickly helps you identify the most promising early-stage start-ups to invest in. [PMP]( [Private Market Profits]( The world’s first investment research service that provides individual investors with private market opportunities offering significant upside potential. [IUN]( [Income Unlimited]( The first research service in the world to provide individual investors with high-yielding income-generation opportunities from the private market. Copyright © 2024 Crowdability, a division of Paradigm Press, LLC., All rights reserved. You signed up on []( [Add us to your address book]( Our mailing address is: Crowdability, a division of Paradigm Press, LLC. 1001 Cathedral Street Baltimore, Maryland 21201 [Update Subscription Preferences]( | [Unsubscribe from this list](

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