Charles Schwab??

[doublewide]

Coop: Thanks for the lead on the Credit Unions. I’ll have to check them out and see what we’d have to do to join. Maybe there’s one that likes Biologists and stay at home moms. :>)

Sheila: Good idea on Countryfried. I suppose as long as the money is under the FDIC limits we’re o.k. even if the bank falls to bits…something to think about.
The husband has been trying to figure out how to get interest paid in British Pounds..he’s even jokingly thought of diverting to the UK from his next trip to Norway to open an account at The Bank of Scotland…maybe your FXE idea will work for him. It does make sense and the dividend is more than any CD I can get right now.

There’s nothing magical about two years. We just want to be ultra conservative while we wait and see how the US economy shakes out after a new Prez enters office, the possiblity of ending the war in Iraq (if Obama wins and sticks to his promises), the housing drama, etc.
Also, I may be back at work by then since our daughter will be a Sophmore in High School, so my income could be invested more agressivly or offset a more agressive investment plan for our current “nest egg” of 150K. We’re really just trying to lay low waiting to see where the chips fall, we’ve not got the stomach for the agressive stuff right now while things are so hairy.

Doublewide

[Raybyrnes]

Schwab also offeres a interest bearing checking account that you could open but if you are looking for short term safety I would look at a California Tax Free Muni Bond Fund. You might find the liqudity is there, and you don’t deal with paying tax on it at the end of the year. This oftentime provides a higher overall yield. If it is just over a couple of years you are looking to keep your money in this type of account consider using a no load fund or consider C shares of a loaded fund. Good Luck

[Raybyrnes]

Schwab also offeres a interest bearing checking account that you could open but if you are looking for short term safety I would look at a California Tax Free Muni Bond Fund. You might find the liqudity is there, and you don’t deal with paying tax on it at the end of the year. This oftentime provides a higher overall yield. If it is just over a couple of years you are looking to keep your money in this type of account consider using a no load fund or consider C shares of a loaded fund. Good Luck

[Raybyrnes]

Schwab also offeres a interest bearing checking account that you could open but if you are looking for short term safety I would look at a California Tax Free Muni Bond Fund. You might find the liqudity is there, and you don’t deal with paying tax on it at the end of the year. This oftentime provides a higher overall yield. If it is just over a couple of years you are looking to keep your money in this type of account consider using a no load fund or consider C shares of a loaded fund. Good Luck

[Raybyrnes]

Schwab also offeres a interest bearing checking account that you could open but if you are looking for short term safety I would look at a California Tax Free Muni Bond Fund. You might find the liqudity is there, and you don’t deal with paying tax on it at the end of the year. This oftentime provides a higher overall yield. If it is just over a couple of years you are looking to keep your money in this type of account consider using a no load fund or consider C shares of a loaded fund. Good Luck

[Raybyrnes]

Schwab also offeres a interest bearing checking account that you could open but if you are looking for short term safety I would look at a California Tax Free Muni Bond Fund. You might find the liqudity is there, and you don’t deal with paying tax on it at the end of the year. This oftentime provides a higher overall yield. If it is just over a couple of years you are looking to keep your money in this type of account consider using a no load fund or consider C shares of a loaded fund. Good Luck

[Ash Housewares]

You could purchase cds in other countries with higher interest rates. Everbank lets you do this:
http://www.everbank.com/001CurrencyCDSingle.aspx?LinkID=Body1
For example, New Zealand 3-12 month cds yield over 6% right now.

If you have direct access to a NZ bank (rather than going through Everbank) it’s even better, currently 8.9% for a 12 month term deposit:
http://www.westpac.co.nz/olcontent/olcontent.nsf/Content/Term+investment+rates?OpenDocument&refr=rates

Beware of exchange rate risks, of course.

[Ash Housewares]

You could purchase cds in other countries with higher interest rates. Everbank lets you do this:
http://www.everbank.com/001CurrencyCDSingle.aspx?LinkID=Body1
For example, New Zealand 3-12 month cds yield over 6% right now.

If you have direct access to a NZ bank (rather than going through Everbank) it’s even better, currently 8.9% for a 12 month term deposit:
http://www.westpac.co.nz/olcontent/olcontent.nsf/Content/Term+investment+rates?OpenDocument&refr=rates

Beware of exchange rate risks, of course.

[Ash Housewares]

You could purchase cds in other countries with higher interest rates. Everbank lets you do this:
http://www.everbank.com/001CurrencyCDSingle.aspx?LinkID=Body1
For example, New Zealand 3-12 month cds yield over 6% right now.

If you have direct access to a NZ bank (rather than going through Everbank) it’s even better, currently 8.9% for a 12 month term deposit:
http://www.westpac.co.nz/olcontent/olcontent.nsf/Content/Term+investment+rates?OpenDocument&refr=rates

Beware of exchange rate risks, of course.

[Ash Housewares]

You could purchase cds in other countries with higher interest rates. Everbank lets you do this:
http://www.everbank.com/001CurrencyCDSingle.aspx?LinkID=Body1
For example, New Zealand 3-12 month cds yield over 6% right now.

If you have direct access to a NZ bank (rather than going through Everbank) it’s even better, currently 8.9% for a 12 month term deposit:
http://www.westpac.co.nz/olcontent/olcontent.nsf/Content/Term+investment+rates?OpenDocument&refr=rates

Beware of exchange rate risks, of course.

[Ash Housewares]

You could purchase cds in other countries with higher interest rates. Everbank lets you do this:
http://www.everbank.com/001CurrencyCDSingle.aspx?LinkID=Body1
For example, New Zealand 3-12 month cds yield over 6% right now.

If you have direct access to a NZ bank (rather than going through Everbank) it’s even better, currently 8.9% for a 12 month term deposit:
http://www.westpac.co.nz/olcontent/olcontent.nsf/Content/Term+investment+rates?OpenDocument&refr=rates

Beware of exchange rate risks, of course.

[Doofrat]

Why don’t you contact Rich and see what he thinks?

[Doofrat]

Why don’t you contact Rich and see what he thinks?

[Doofrat]

Why don’t you contact Rich and see what he thinks?

[Doofrat]

Why don’t you contact Rich and see what he thinks?

[Author]

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