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aaa discover ira cd rates

Great Rate Savings Account. apply to this account if: (a) it is an Individual Retirement Account (IRA) or similar tax-deferred account, or (b) the debt. aaa cd rates 2021. Annuities have very low rates of return built into them, and over long time periods generally will pay out less retirement income compared to a.
aaa discover ira cd rates

Morgan Stanley CashPlus: A Modern Alternative to Banking

What is a Morgan Stanley CashPlus Account?

CashPlus Accounts aaa discover ira cd rates brokerage accounts specifically designed for your cash management needs.

Is there a fee for the CashPlus Account?

There is no monthly account fee if the following criteria are met collectively across all CashPlus Accounts in your Account Link Group:

For a Premier CashPlus Account:

  • $2,500 in total monthly deposits OR $25,000 in Average Daily Cash Balance (in the Bank Deposit Program)
  • Additional eligible Morgan Stanley investment account
  • Morgan Stanley Online enrollment

For a Platinum CashPlus Account:

  • $5000 in total monthly deposits AND $25,000 in Average Daily Cash Balance (in the Bank Deposit Program)
  • Additional eligible Morgan Stanley investment account
  • Morgan Stanley Online enrollment

For important account information please refer to the CashPlus Account Disclosure Statement.


What deposits are eligible for total monthly deposit?

Eligible deposits consist of:

  • Direct Deposit of payroll
  • Incoming Transfers
  • Mobile Check Deposit
  • Branch Check Deposit
  • Incoming Send Money with Zelle®
  • Incoming Wire
  • Any Social Security Deposit Amount
  • Distributions from a Morgan Stanley Retirement Account

 

A Morgan Stanley investment relationship is required to avoid a monthly fee.  What constitutes an eligible Morgan Stanley investment relationship?

Eligible investment accounts include but are not limited to: 

 

Источник: https://www.morganstanley.com/what-we-do/wealth-management/cashplus

Which Car-Buying Service Is the Best?

Your car is likely to be one of your largest investments, which is why it's often best to use a car-buying service in order to become a more informed buyer and to make the normally painful experience of buying a new vehicle more automated, efficient, and low-pressure.

Instead of spending eight hours or more wrangling with seasoned car sales experts and coming away wishing you were smarter, tougher, or savvier, you can eliminate most of the discomfort and wasted time and feel like you got a great deal. The old paradigm is being replaced by new technology and services that help you level the playing field. And there are signs on the horizon that acquiring a new car or truck will soon become as simple and straightforward as buying a computer, or maybe even a smartphone.

Let's go over the different options available so you can decide which car-buying service is the best for you.

Woman handing car keys to man sitting in driver's seat.

Image source: Getty Images.

First-level services

In the last few years, car information services like Edmunds.com, Cars.com, and others have begun to offer vehicle shoppers a semi-disinterested source of relatively objective information. You can now go online, research many different vehicles, and identify exactly the options and colors you want. Once you've "built" a car you like, you can see an approximate MSRP or even an "actual cost" with which to begin your negotiations with traditional dealerships.

But there's a problem: To get the good information, you must offer up your contact details, which these websites promptly sell to local dealers and insurance companies. "It's simply a form of lead generation," says Damien Bullard, president of leading automotive consulting firm IDDS.

Bullard continues:

It's understandable why these would unleash an avalanche of unlikely offers and unkeepable promises. They're hungry for new customers. But if you object, you can always use the opt out mechanism which legally must be included.

However, without these online services, you're an easy target for sophisticated salespeople who have far more information at their fingertips than you do. With them, you're armed with a suite of data that gives you a realistic starting point for your negotiations, as well as a better understanding of the vehicle market you're entering.

Second-level services

A more advanced breed of websites, like Kelley Blue Book and TrueCar( TRUE 0.90% ), do even more.

After you're done with research and reviews, building a car, and obtaining a "market value," Truecar.com allows you to print a document that you can take to up to four specific dealerships that have promised to honor your TrueCar price.

That's a great feeling, until the sales expert explains that the one and only car available at your promised price has unfortunately been sold. He or she will then helpfully steer you to another car that's almost the same. But guess what? It's slightly more expensive. Unless you're careful, you're right back in the traditional, heavy-handed sales process.

Without a second-level service, you're subject to all the tactics and subterfuge of savvy salespeople, who can play you like a trout on a hook. With it, you have a valuable tool to help you to play one dealer against another, along with documented evidence that you're among the more eager buyers, whom dealers are likely to tempt with a somewhat better deal.

Third-level services

Another helpful resource is the "negotiating service." Available through AAA, Costco, Sam's Club, Wal-Mart, and a variety of local "brokers," a negotiating service has a knowledgeable automotive insider pre-negotiate lower prices for you with a variety of dealers. By working through these services, you can get the vehicle you want for a lower price much more quickly and easily than you could on your own.

However, hard bargainers will discover that these pre-negotiated prices are not much better than the normal prices available to the general public. Tough-minded customers can usually get the dealer to agree to packages even more attractive than the bargaining service's best offers. And these pre-negotiated prices do not include any of the fees you must pay the negotiating service itself.

Without this kind of service, you're negotiating alone against sophisticated and experienced salespeople who encounter prospects like you all the time and routinely get them to sign. With this service, you have an industry expert in your corner who can guide you past the early rounds of the negotiation process and thereby shorten the time it takes for you to make your best deal.

Fourth-level services

As the market continues to evolve, even more powerful car-buying services are beginning to emerge. One of the most exciting examples is actually a manufacturer: Tesla Motors( TSLA -6.42% ). Not only are its vehicles among the "best ever tested" by Consumer Reports and other trusted reviewers, but the sales funnel is so consumer-friendly it's illegal in many places.

Basically, you take a 30-minute test-drive in a Tesla, get out, and walk away. There's never any pressure to buy. As one salesman told me: "It's my job only to plant the seed." If the seed takes root and you decide you want a Tesla, there's a website you can access from home or from any Tesla showroom that allows you to pick your car, add the options you want, and see the final price to lease or buy it.

Tesla does not haggle, and it adds no hidden extras. Take the car at the listed price, or don't. Your choice.

Buyers willing to wait months for their cars keep Tesla's sales staff so swamped with orders that they have no incentive to hornswoggle or even pressure you to sign on the dotted line.

Dealers north central missouri college dental hygienist missouri frightened by Tesla's laid-back sales method because it threatens to choke off the cash cow on which they've been feasting since the early 1930s, when car manufacturers began to grant one person the exclusive right to sell their cars in geographic areas as large as a whole state. Today's legacy dealerships now pay millions of dollars in sales taxes to local and state governments. This gives them enough political power to try locking out Tesla and anyone else who threatens to circumvent their fat share of the lucrative new-car industry.

Without participating in this business model, you're fighting solo (or nearly solo) against a phalanx of highly experienced deal-making opponents. Tdb online bank you work within it, most of the time-honored selling procedures get thrown out the window, and your car-buying experience is far more similar to most other purchases you make.

A brand-new paradigm

While dealers are successfully banning Tesla from Texas, Arizona, Virginia, New Jersey, and Maryland, there's another vehicle acquisition paradigm on the horizon that may help consumers eliminate the age-old high-pressure experience of buying a new vehicle while keeping today's revenue-engorged dealers fully in the loop.

It's a start-up in the Los Angeles area called DealerPinch.com.

Like most of the other websites in these categories, DealerPinch allows you to read reviews, build a car and check its MSRP, research options, and obtain a "market price." But then it goes one important step further: It allows you to submit a bid, online, for lease or purchase of that car. You can specify what colors you'll accept, how much cash you wish to put down, and how large a monthly payment you'll agree to. If you prefer to lease, you can also specify the annual mileage allowed and the duration of the contract.

DealerPinch then checks your credit (as a "soft pull" that won't affect your credit score) and -- if you're a bona fide buyer -- submits your offer to four of the top dealerships in your chosen area. If your bid is accepted by any of the dealers, then you'll get your car on your specified terms. If your offer is too extreme, then dealers can simply decline to respond, or they can make a counter-offer.

To accept or counter your offer, however, the dealer must have your car in inventory and must specify the Is skim milk good for you number. This keeps you safe from the "bait and switch." Another safeguard is that DealerPinch keeps you anonymous, so dealers (and insurance companies) are unable to bother you with unwanted sales pitches or promises. If you and a dealer come to terms, you have 48 hours to schedule an appointment, aaa discover ira cd rates, and pick up your car.

DealerPinch charges you $99 for facilitating your purchase. If, for whatever reason, you don't get a car through DealerPinch, you owe them nothing.

As DealerPinch expands its service area and its capabilities, the company is contemplating enhanced "concierge" features, such as making sure the car and the paperwork are ready at the dealership before you ever arrive.

Of course, you can still buy your car the old-fashioned way. But with all these car-buying tools available, why would you bother?

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a Motley Fool premium advisory service. We’re motley! Questioning an investing thesis – even one of our own – helps us all think critically about investing and make decisions that help us become smarter, happier, and richer.
Источник: https://www.fool.com/investing/general/2015/11/01/which-car-buying-service-is-the-best.aspx

Online Savings Account

Annual percentage yield

X.XX%

Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on aaa discover ira cd rates data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of Aaa discover ira cd rates, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover What is the routing number for renasant bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data aaa discover ira cd rates the banks it tracks and such information cannot be guaranteed.

Источник: https://www.discover.com/online-banking/savings-account/

Is my AAA financial advisor's advice to invest in an annuity a good idea?

Should I consider investing in an annuity or stick with my long-term stocks if I don't like the unreliability of the market?

I am 48 years old. My AAA representative has suggested that I open up a fixed-index annuity. It would be a 10-year annuity with a 5 percent cap and no fees except for early withdrawal. The insurance group that they work with has a financial S&P rating of A+. With the unreliability of the NYSE, I've lost $25,000 over the last month. I don't know much about annuities, but I want to have something with reliable interest and less volatility. I am going to deposit about $75,000. Alternatively, a 10-year CD performs worse even with 3.15 percent interest and fees. Should I consider the annuity, or stick with my long-term stocks?

Staying invested in the stock market will give you a significantly higher potential return, can i pay my key bank loan online with the recent market volatility. While annuities provide for protection against losses, they do it by taking most of the potential gains and giving those profits to the insurance company. And although there are no investment management fees, annuities have other internal fees (typically 3% to 7% annually) hidden within the annuity contract.

Get a Second Opinion

If you’d like a second opinion on the annuity, you can schedule a call to talk about your goals, concerns, and how your investments or the annuity fit into your overall financial plan. Purposeful Finance, a non-profit organization, also offers a free annuity review if you would like to see how the AAA annuity compares to the option of staying invested in the market.

Questionable Advice from AAA

While AAA is an amazing company for auto-related products, they offer suboptimal financial advice. AAA is not an investment advisor and their financial advice is actually a sales pitch for insurance products. Legally, they do not have the ability to provide advice or recommendations regarding anything other than insurance products.

The advice to switch to an annuity after the 'losses' occur is questionable at best, as you would be locking in those losses and locking out potential recovery. The 5% cap also seems very low, even for an annuity, which would further limit your future growth.

Additionally, you want to consider the source of the advice to open up the annuity. AAA financial advisors are agents of an insurance brokerage, meaning their legal duty of loyalty is to the insurance company, not their clients. Only Registered Investment Advisors are legally held to a fiduciary duty with their clients. Further, agents are paid by commission for the annuities they sell (as much as 10% of what you 'invest'). While AAA is an amazing organization, their financial advising service is conflicted. You may wish to get a second opinion from a fee-only and fiduciary financial advisor.

Better Advice - Talk With A Fiduciary Advisor

A good financial advisor should focus on your goals and a comprehensive plan to help you achieve them. A component of that plan should be a portfolio within your risk tolerance, which you can stick with, even during market volatility. While you may not be comfortable with the unreliability of your current portfolio, adjusting the portfolio to lower the risk is likely a better answer.

At 48 years old, you have plenty of time before retirement for the market to recover. In 2008, investors lost nearly half of their wealth in the market crash. But since then, those who didn't sell their investments saw their investments recover all of those losses and then continue to grow another 100% over the next 10 years. So long as you don't sell your investments, the "lost" $25,000 is likely just a temporary dip.

The Pros of an Annuity

With a fixed annuity, the fact the insurance company is taking on most of the investment risk is a big plus. And once your retire, buying an annuity might be a good choice for a portion of your retirement funds to provide you with your basic living expenses. Realize though, that Social Security provides the same benefit, so an annuity may not be necessary to provide for your basic living needs.

And Now for the Cons of an Annuity

  1. Annuities have very low rates of return built into them, and over long time periods generally will pay out less retirement income compared to a balanced portfolio of stocks and bonds.

  2. Annuities also have very high costs built into them, further reducing the payout relative to the potential payout of a well-managed portfolio of stocks and bonds.

  3. Annuities don't allow you to easily change investments once you begin the contract. Withdrawal fees are significant and can last more than a decade. 

  4. The tax advantages of an annuity are over-sold and are significantly less than the tax advantages of an IRA or 401(k) plan. Until aaa discover ira cd rates max out your retirement contribution limits, you are better off tax-wise with an IRA or 401(k) plan.

  5. Internal fees with annuities are very high, and hidden upfront commissions may be taken from your initial invested principle or repaid through lower returns.

  6. Retirement income from most annuities aren't adjusted for inflation, so what seems like plenty of money at the beginning of your retirement will likely leave you in financial hardship toward your later retirement years. There are inflation adjusted annuities but you'll see a significant reduction in the monthly income they pay you (as much as a third or greater reduction).

  7. Insurance companies can and do go out of business, and if the insurance company you chose goes out of business your annuity income will likely be greatly reduced or be eliminated altogether.

  8. Annuity sales practices can be very predatory, and a bad annuity advisor (sales rep) can easily lead you to believe something which isn't true. Annuity sales practices have often been identified by regulators as problematic and anti-consumer. And these annuity sales practices are one of the main reasons the Department of Labor attempted to implement their fiduciary rule.

Joshua Escalante Troesh is a Tenured Professor of Business and works with people across the country on their finances. To explore working with him on your personal financial planning and investment advising needs, simply schedule a free Discover Meeting.

Investing, Retirement PlanningJoshua Escalante TroeshAnnuity, Annuities, Managing Wealth, Building Wealth, Retirement Planning, Retirement & Legacy, Stock, Financial Advice, Financial PlannerComment
Источник: https://purposefulsp.com/blog/consider-annuity-with-unreliability-of-the-market

Discover Bank Review

Discover is best known for its rewards credit cards, but that’s just a portion of its business. It’s a full-service online bank, as well as a payment services company. Discover offers banking and retirement solutions for individuals. Discover is also a lender, with personal, student and home equity loans available.

Because they are strictly an online bank, Discover doesn’t have local branches that customers can visit in person for banking needs. That doesn’t mean they aren’t accessible, though. Discover is known for its superb customer service, which is available 24 hours a day.

Here’s our review of Discover Bank and its personal banking options to see why it made our list of the Best Online Banks 2021. Discover also earns a spot on our Best Checking Accounts (best for cash back) and Best Online Savings Accounts (best for avoiding fees).

Account details and annual percentage yields (APYs) are accurate as of November 19, 2021.

Account Basics

Checking (Cashback Debit)*

Discover checking account are somewhat unusual in the banking world. That’s because—similar to many of its credit card offerings—Discover checking accounts earn cash back rewards. With the Discover Cashback Debit account, customers can earn 1% cash back on up to $3,000 in debit card purchases every month.

If you maxed out the $3,000 monthly limit, you would earn $30 cash back every month. Over a year, you would earn $360 cash back just by using your debit card for purchases. If you only spent $2,000 in debit card purchases monthly, that’s still $240 cash back over a year.

Another feature that Discover is known for with its checking accounts is not charging fees. There are no fees for account maintenance, ordering checks, in-network ATM use, online bill pay or replacement debit cards. Discover Cashback Debit accounts have no minimum balance requirements or activity requirements.

Savings

Discover Bank offers an online savings account with competitive rates that are five times higher than the national average. Discover savings accounts earn 0.40% APY. With $10,000 in your savings account, you would earn over $40 from interest annually. Interest compounds daily and pays out monthly.

There are no fees associated with online savings accounts through Discover. There’s also no minimum balance requirement. Compare that to Bank of America’s Advantage Savings account, which requires a $500 minimum balance to waive its $8 monthly fees.

Money Market

Money market accounts take the earning power of a aaa discover ira cd rates account and also give access to checking features for a more versatile account. The Discover Bank money market account provides customers with ATM access, a walmart asurion sign in card and check-writing capabilities.

Convenience isn’t the only high point for Discover’s money market accounts. These accounts offer high earning potential. Account balances under $100,000 earn 0.30% APY. Balances of $100,000 and higher earn 0.35% APY. An account balance aaa discover ira cd rates $20,000 saved for five years will earn $60 in the first year and $302 over five years of saving.

Discover’s money market accounts have no fees and no minimum balance requirements. Money market accounts allow you to earn more interest than you would with a traditional checking account.

CDs

Discover Bank certificates of deposit (CDs) are versatile high-yield accounts that offer guaranteed returns for customers. Discover CD terms aaa discover ira cd rates from three months to 10 years, depending on your needs.

Discover offers competitive returns on its CDs that are a bit lower than the best CD rates on the market. Here’s a look at the interest-earning potential of Discover’s CD accounts at different term lengths with an initial deposit of $15,000:

Discover offers a total of 12 CD term lengths. In addition to the five CDs shown above, Discover offers term lengths of six months, nine months, 18 months, 24 months, 30 months, four years and seven years.

CD accounts through Discover have a $2,500 minimum deposit. If for some reason you need to access your funds before they reach maturity, you can withdraw them, but you’ll have to pay a penalty. The early withdrawal penalty will depend on the specific length of the CD term. The penalty on a CD with a term under one year is three months’ simple interest.

Opening a CD account is generally considered to be a safe investment because you have FDIC insurance and a guaranteed return, no matter what the market does. Your CD rate is locked in for your term length. The longer your CD term, the higher the rate you’ll receive. You also can create a CD ladder, using Discover CDs with different maturity dates, to build in some flexibility specific to when you withdraw funds.

IRA CDs*

Another option available through Discover is IRA CDs. Customers can choose between Roth IRA CDs and Traditional IRA CDs, depending on their needs. Roth IRA CDs:

  • Are funded with after-tax dollars
  • Contributions aren’t tax-deductible
  • Earnings are tax-free
  • Contributions can be withdrawn at any time without IRS penalty

Traditional IRA CDs are set up differently. Traditional IRA CDs:

  • Are funded with pre-tax money
  • Have tax-deferred earnings
  • Contributions can be tax-deductible up to specific limits
  • Funds can’t be withdrawn without a penalty until age 59½

IRA CDs through Discover can be funded with money from other retirement accounts. Customers also can transfer an IRA from another financial institution into a Discover IRA CD.

Discover’s IRA CD terms range from three months to 10 years and they pay similar APYs to Discover’s regular CDs. Discover IRA CDs can be opened with as little as $2,500.

Access on the Go

Discover customers can access their accounts in several ways. Accounts are always accessible online.

Discover Mobile is the bank’s highly rated mobile app, available on iOS (4.9 stars out of 5 on the App Store) and Android (4.6 stars on Google Play). Not only can you access all of your Discover accounts through the app, but you also can take advantage of mobile check deposit by taking a photo with your phone or tablet.

Convenience is a huge aspect of Discover’s mobile app. You can easily log into your account through touch ID. iPhone users also can log in through face ID. People using the app can enable Quick View, which allows you to see your account balances without actually logging into your account. Discover ATMs can be located through the mobile app as well.

Discover has more than 60,000 ATMs available to customers. All air force credit union car loan the ATMs in its network are fee-free ATMs. You may get charged a fee by other banks when using an out-of-network ATM.

Another nice feature is access to Zelle, a digital payment network. Discover and Zelle have partnered up, allowing customers to connect bank accounts to the service easily. Zelle lets you send and receive money between almost every U.S.-based bank account. There are no fees charged for this service.

Pros

  • 1% cash back on up to $3,000 per month of debit card purchases
  • No monthly fees, overdraft fees or minimum balances
  • Online bill pay feature
  • 60,000+ fee-free ATMs
  • U.S.-based customer service available 24/7 365 days a year
  • Highly rated mobile app 
  • Competitive APYs on savings accounts and CDs 
  • IRA CDs available for retirement investments 
  • Diverse range of accounts for different financial needs: checking, savings, CDs, credit cards, personal loans

Cons

  • No physical locations
  • No auto loans
  • No reimbursement for out-of-network ATM fees

How Discover Bank Stacks Up

Discover hits aaa discover ira cd rates home run with its online banking services. They offer competitive rates on most accounts while having no minimum balances or fees. Checking accounts earn 1% cash back, which isn’t very common in the banking world.

Discover stands by its accounts and even offers comparisons to other banks on its website so you can see the differences. Its transparency is great to see. Flexibility is one of Discover’s best traits, evident across all of its banking products.

If the thought of online-only banking scares you, then Discover Bank isn’t the best option for your next bank account. Customers who are okay without a local bank branch should take advantage of high-yield earning with Discover Bank.

Frequently Asked Questions (FAQs)

Does Discover offer any loans?

Yes. Besides its personal banking products, Aaa discover ira cd rates also offers personal loans, student loans and home equity loans.

Personal loans can be taken out through Discover for up to $35,000. The loans have fixed interest rates and can be repaid over a time period ranging from 36 months to 84 months. Those with established credit will qualify for lower APRs than those with an average to poor credit profile. There are no origination fees or other loan fees so long as you pay on time.

Discover student loans cover up to 100% of school costs. Students also can earn a discount for getting good grades. Student loans carry either a variable or fixed interest rate. The specific APR will vary, depending on the creditworthiness of the applicant.

Flexible home equity loans are available through Discover, with terms ranging from 10 years to 30 years. Home equity loan amounts range from $35,000 to $200,000. These loans carry a fixed APR, which will vary based on loan amount and creditworthiness factors.

Is Discover Bank FDIC insured?

Yes, Discover Bank is FDIC insured (FDIC# 5649). The federal government protects your money up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.

Discover Bank takes account security seriously. They do this through the use of fraud monitoring, fraud protection, SSL encryption, bill pay protection, and other security measures. Discover customers will never be held responsible for unauthorized banking transactions.

How good a deal is the Discover 1% cash back debit card?

Discover Bank is one of the few banks that still offers significant cash back rewards for debit card purchases. You can earn 1% cash back on up to $3,000 in debit card purchases each month.

Cash back can be redeemed as an automatic monthly deposit into your Online Savings account, transferred to a Discover Credit Card Cashback Bonus Account or deposited into your Cashback Debit account, Online Savings account or Money Market account. Rewards do not expire so long as your account is kept in good standing.

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Источник: https://www.forbes.com/advisor/banking/discover-bank-review/

Aaa discover ira cd rates -

CD Rates

Earn more on your terms.

  • 3-month term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

  • 6-month term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

  • 9-month term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

  • 12-month term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

  • 18-month term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

  • 24-month term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

  • 30-month term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

  • 3-year term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

  • 4-year term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

  • 5-year term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

  • 7-year term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

  • 10-year term

    %APY

    Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

    Open an Account

PreviousNext

See how well our CD rates stack up against the rest.

See for yourself. Compare our interest rates on CDs with the other options out there.

Earned interestwith Discover

Assumes principal and interest remain on deposit and interest rate and APY do not change for one year. The estimated values shown are for illustrative and informational purposes only and may not apply to your individual circumstances.

%APY

Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.


PENALTY

3 months simple interest

6 months simple interest

9 months simple interest

18 months simple interest

24 months simple interest

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  2. Make a deposit now or come back and do it later. Whatever makes it easier for you to get going on your goals.
  3. Hooray! Check your email for a confirmation, and you’re on your way to the future you’ve been dreaming of.
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Источник: https://www.discover.com/online-banking/cd-rates/

Is my AAA financial advisor's advice to invest in an annuity a good idea?

Should I consider investing in an annuity or stick with my long-term stocks if I don't like the unreliability of the market?

I am 48 years old. My AAA representative has suggested that I open up a fixed-index annuity. It would be a 10-year annuity with a 5 percent cap and no fees except for early withdrawal. The insurance group that they work with has a financial S&P rating of A+. With the unreliability of the NYSE, I've lost $25,000 over the last month. I don't know much about annuities, but I want to have something with reliable interest and less volatility. I am going to deposit about $75,000. Alternatively, a 10-year CD performs worse even with 3.15 percent interest and fees. Should I consider the annuity, or stick with my long-term stocks?

Staying invested in the stock market will give you a significantly higher potential return, even with the recent market volatility. While annuities provide for protection against losses, they do it by taking most of the potential gains and giving those profits to the insurance company. And although there are no investment management fees, annuities have other internal fees (typically 3% to 7% annually) hidden within the annuity contract.

Get a Second Opinion

If you’d like a second opinion on the annuity, you can schedule a call to talk about your goals, concerns, and how your investments or the annuity fit into your overall financial plan. Purposeful Finance, a non-profit organization, also offers a free annuity review if you would like to see how the AAA annuity compares to the option of staying invested in the market.

Questionable Advice from AAA

While AAA is an amazing company for auto-related products, they offer suboptimal financial advice. AAA is not an investment advisor and their financial advice is actually a sales pitch for insurance products. Legally, they do not have the ability to provide advice or recommendations regarding anything other than insurance products.

The advice to switch to an annuity after the 'losses' occur is questionable at best, as you would be locking in those losses and locking out potential recovery. The 5% cap also seems very low, even for an annuity, which would further limit your future growth.

Additionally, you want to consider the source of the advice to open up the annuity. AAA financial advisors are agents of an insurance brokerage, meaning their legal duty of loyalty is to the insurance company, not their clients. Only Registered Investment Advisors are legally held to a fiduciary duty with their clients. Further, agents are paid by commission for the annuities they sell (as much as 10% of what you 'invest'). While AAA is an amazing organization, their financial advising service is conflicted. You may wish to get a second opinion from a fee-only and fiduciary financial advisor.

Better Advice - Talk With A Fiduciary Advisor

A good financial advisor should focus on your goals and a comprehensive plan to help you achieve them. A component of that plan should be a portfolio within your risk tolerance, which you can stick with, even during market volatility. While you may not be comfortable with the unreliability of your current portfolio, adjusting the portfolio to lower the risk is likely a better answer.

At 48 years old, you have plenty of time before retirement for the market to recover. In 2008, investors lost nearly half of their wealth in the market crash. But since then, those who didn't sell their investments saw their investments recover all of those losses and then continue to grow another 100% over the next 10 years. So long as you don't sell your investments, the "lost" $25,000 is likely just a temporary dip.

The Pros of an Annuity

With a fixed annuity, the fact the insurance company is taking on most of the investment risk is a big plus. And once your retire, buying an annuity might be a good choice for a portion of your retirement funds to provide you with your basic living expenses. Realize though, that Social Security provides the same benefit, so an annuity may not be necessary to provide for your basic living needs.

And Now for the Cons of an Annuity

  1. Annuities have very low rates of return built into them, and over long time periods generally will pay out less retirement income compared to a balanced portfolio of stocks and bonds.

  2. Annuities also have very high costs built into them, further reducing the payout relative to the potential payout of a well-managed portfolio of stocks and bonds.

  3. Annuities don't allow you to easily change investments once you begin the contract. Withdrawal fees are significant and can last more than a decade. 

  4. The tax advantages of an annuity are over-sold and are significantly less than the tax advantages of an IRA or 401(k) plan. Until you max out your retirement contribution limits, you are better off tax-wise with an IRA or 401(k) plan.

  5. Internal fees with annuities are very high, and hidden upfront commissions may be taken from your initial invested principle or repaid through lower returns.

  6. Retirement income from most annuities aren't adjusted for inflation, so what seems like plenty of money at the beginning of your retirement will likely leave you in financial hardship toward your later retirement years. There are inflation adjusted annuities but you'll see a significant reduction in the monthly income they pay you (as much as a third or greater reduction).

  7. Insurance companies can and do go out of business, and if the insurance company you chose goes out of business your annuity income will likely be greatly reduced or be eliminated altogether.

  8. Annuity sales practices can be very predatory, and a bad annuity advisor (sales rep) can easily lead you to believe something which isn't true. Annuity sales practices have often been identified by regulators as problematic and anti-consumer. And these annuity sales practices are one of the main reasons the Department of Labor attempted to implement their fiduciary rule.

Joshua Escalante Troesh is a Tenured Professor of Business and works with people across the country on their finances. To explore working with him on your personal financial planning and investment advising needs, simply schedule a free Discover Meeting.

Investing, Retirement PlanningJoshua Escalante TroeshAnnuity, Annuities, Managing Wealth, Building Wealth, Retirement Planning, Retirement & Legacy, Stock, Financial Advice, Financial PlannerComment
Источник: https://purposefulsp.com/blog/consider-annuity-with-unreliability-of-the-market

Discover IRAs Review


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The following companies are our partners in IRAs: Betterment, TD Ameritrade, Rocket Dollar, Future Capital, The IRA Club, Oxford Gold Group, and Stash.

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Founded in 1985, Discover Financial Services has evolved from a Sears subsidiary to an independent company and leading credit card supplier. In addition to Discover and Diners Club credit cards, Discover offers personal banking services, including savings accounts, money market accounts, and IRA certificates of deposit.


Discover Account Features


Discover Fees and Penalties


Discover Financial Strength and Reputation



Источник: https://www.consumersadvocate.org/iras/c/discover-iras-review

AAA Members Place $1 Billion Into New High Yield Savings Program

AAA partnership with Discover Bank attracting consumers with high yield savings products

ORLANDO, July 6 /PRNewswire-USNewswire/ -- AAA announced today that total deposits in its AAA Savings Program, offered in conjunction with Discover Bank, have exceeded $1 billion just 18 months since the program's inception in January of 2008.

(Logo: http://www.newscom.com/cgi-bin/prnh/20080226/DC15031LOGO)

Forty AAA clubs offer money market products, certificates of deposit and individual retirement account certificates of deposit via AAA's national relationship with Discover Bank. All of the products are FDIC-insured and AAA members benefit from an additional 5 basis point interest rate advantage over Discover's already extremely competitive rates.

"The ongoing difficulties at some of the world's largest financial institutions have clearly caused many consumers to re-assess their banking relationships," said Doug Bower, AAA vice president of Travel and Financial Services. "AAA is a strong and trusted organization with a reputation for always putting its members' interests first. The confidence consumers have in AAA, coupled with the outstanding rates of return we have been able to secure through our relationship with Discover Bank, are a winning combination in today's unpredictable financial services environment."

AAA Deposit Program has doubled in size since last October

The AAA Deposit Program was launched in January of 2008 and exceeded $500 million in deposits after eight months in existence. The program has doubled in size since that time and now has more than 25,000 accounts. The AAA Deposit Program has the potential to achieve several billion dollars in total deposit balances given the AAA member demographics, AAA said. The goal is based on Discover Bank's ability to consistently beat the national average rate and the approximately 25 percent of American households that look to AAA for safety and security.

"The pace at which we achieved this milestone is a testament to the power of the partnership between two organizations committed to providing consumers with products that offer real value," said Discover Bank President Christina Favilla. "Through strong relationships like this, we can deliver extra value to club members, who not only get safety, security and 24/7 live customer assistance, but whose investments grow faster with interest rates that consistently exceed the national average."

To access the AAA Deposit Program consumers should visit www.AAA.com/Deposits, phone 1-888-728-3230 or contact their participating AAA club.

AAA Financial Services offers an array of banking products with exclusive rates and benefits to members in participating U.S. clubs. These products include Money Market Accounts, CD's, IRA CD's, rewards-based credit cards, auto loans and an unsecured line of credit. Benefits include such things as no minimum balance to open a savings account, a variety of credit card rewards and rebates from cash back to merchandise and travel, exclusive rates on savings and loan products, and flexible terms.

As North America's largest motoring and leisure travel organization, AAA provides 51 million members with travel, insurance, financial and automotive-related services. Since its founding in 1902, the not-for-profit, fully tax-paying AAA has been a leader and advocate for the safety and security of all travelers. AAA clubs can be visited on the Internet at AAA.com.

Founded in 1911, Discover Bank is one of the 100 largest banks in the United States and an affiliate of Discover Financial Services. Discover Bank offers certificates of deposit, money market deposit accounts and other consumer financial products and services. For more information, visit www.discoverbank.com.

AAA news releases, high resolution images, broadcast-quality video, fact sheets and podcasts are available on the AAA NewsRoom at AAA.com/news.

Listen to a podcast about his news release at: http://www.aaanewsroom.net/Main/Default.asp?CategoryID=5&SubCategoryID=48

Available Topic Expert(s): For information on the listed expert(s), click appropriate link.

Geoff Sundstrom

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Источник: https://www.theautochannel.com/news/2009/07/06/468792.html

Discover Bank Review

Discover is best known for its rewards credit cards, but that’s just a portion of its business. It’s a full-service online bank, as well as a payment services company. Discover offers banking and retirement solutions for individuals. Discover is also a lender, with personal, student and home equity loans available.

Because they are strictly an online bank, Discover doesn’t have local branches that customers can visit in person for banking needs. That doesn’t mean they aren’t accessible, though. Discover is known for its superb customer service, which is available 24 hours a day.

Here’s our review of Discover Bank and its personal banking options to see why it made our list of the Best Online Banks 2021. Discover also earns a spot on our Best Checking Accounts (best for cash back) and Best Online Savings Accounts (best for avoiding fees).

Account details and annual percentage yields (APYs) are accurate as of November 19, 2021.

Account Basics

Checking (Cashback Debit)*

Discover checking account are somewhat unusual in the banking world. That’s because—similar to many of its credit card offerings—Discover checking accounts earn cash back rewards. With the Discover Cashback Debit account, customers can earn 1% cash back on up to $3,000 in debit card purchases every month.

If you maxed out the $3,000 monthly limit, you would earn $30 cash back every month. Over a year, you would earn $360 cash back just by using your debit card for purchases. If you only spent $2,000 in debit card purchases monthly, that’s still $240 cash back over a year.

Another feature that Discover is known for with its checking accounts is not charging fees. There are no fees for account maintenance, ordering checks, in-network ATM use, online bill pay or replacement debit cards. Discover Cashback Debit accounts have no minimum balance requirements or activity requirements.

Savings

Discover Bank offers an online savings account with competitive rates that are five times higher than the national average. Discover savings accounts earn 0.40% APY. With $10,000 in your savings account, you would earn over $40 from interest annually. Interest compounds daily and pays out monthly.

There are no fees associated with online savings accounts through Discover. There’s also no minimum balance requirement. Compare that to Bank of America’s Advantage Savings account, which requires a $500 minimum balance to waive its $8 monthly fees.

Money Market

Money market accounts take the earning power of a savings account and also give access to checking features for a more versatile account. The Discover Bank money market account provides customers with ATM access, a debit card and check-writing capabilities.

Convenience isn’t the only high point for Discover’s money market accounts. These accounts offer high earning potential. Account balances under $100,000 earn 0.30% APY. Balances of $100,000 and higher earn 0.35% APY. An account balance of $20,000 saved for five years will earn $60 in the first year and $302 over five years of saving.

Discover’s money market accounts have no fees and no minimum balance requirements. Money market accounts allow you to earn more interest than you would with a traditional checking account.

CDs

Discover Bank certificates of deposit (CDs) are versatile high-yield accounts that offer guaranteed returns for customers. Discover CD terms range from three months to 10 years, depending on your needs.

Discover offers competitive returns on its CDs that are a bit lower than the best CD rates on the market. Here’s a look at the interest-earning potential of Discover’s CD accounts at different term lengths with an initial deposit of $15,000:

Discover offers a total of 12 CD term lengths. In addition to the five CDs shown above, Discover offers term lengths of six months, nine months, 18 months, 24 months, 30 months, four years and seven years.

CD accounts through Discover have a $2,500 minimum deposit. If for some reason you need to access your funds before they reach maturity, you can withdraw them, but you’ll have to pay a penalty. The early withdrawal penalty will depend on the specific length of the CD term. The penalty on a CD with a term under one year is three months’ simple interest.

Opening a CD account is generally considered to be a safe investment because you have FDIC insurance and a guaranteed return, no matter what the market does. Your CD rate is locked in for your term length. The longer your CD term, the higher the rate you’ll receive. You also can create a CD ladder, using Discover CDs with different maturity dates, to build in some flexibility specific to when you withdraw funds.

IRA CDs*

Another option available through Discover is IRA CDs. Customers can choose between Roth IRA CDs and Traditional IRA CDs, depending on their needs. Roth IRA CDs:

  • Are funded with after-tax dollars
  • Contributions aren’t tax-deductible
  • Earnings are tax-free
  • Contributions can be withdrawn at any time without IRS penalty

Traditional IRA CDs are set up differently. Traditional IRA CDs:

  • Are funded with pre-tax money
  • Have tax-deferred earnings
  • Contributions can be tax-deductible up to specific limits
  • Funds can’t be withdrawn without a penalty until age 59½

IRA CDs through Discover can be funded with money from other retirement accounts. Customers also can transfer an IRA from another financial institution into a Discover IRA CD.

Discover’s IRA CD terms range from three months to 10 years and they pay similar APYs to Discover’s regular CDs. Discover IRA CDs can be opened with as little as $2,500.

Access on the Go

Discover customers can access their accounts in several ways. Accounts are always accessible online.

Discover Mobile is the bank’s highly rated mobile app, available on iOS (4.9 stars out of 5 on the App Store) and Android (4.6 stars on Google Play). Not only can you access all of your Discover accounts through the app, but you also can take advantage of mobile check deposit by taking a photo with your phone or tablet.

Convenience is a huge aspect of Discover’s mobile app. You can easily log into your account through touch ID. iPhone users also can log in through face ID. People using the app can enable Quick View, which allows you to see your account balances without actually logging into your account. Discover ATMs can be located through the mobile app as well.

Discover has more than 60,000 ATMs available to customers. All of the ATMs in its network are fee-free ATMs. You may get charged a fee by other banks when using an out-of-network ATM.

Another nice feature is access to Zelle, a digital payment network. Discover and Zelle have partnered up, allowing customers to connect bank accounts to the service easily. Zelle lets you send and receive money between almost every U.S.-based bank account. There are no fees charged for this service.

Pros

  • 1% cash back on up to $3,000 per month of debit card purchases
  • No monthly fees, overdraft fees or minimum balances
  • Online bill pay feature
  • 60,000+ fee-free ATMs
  • U.S.-based customer service available 24/7 365 days a year
  • Highly rated mobile app 
  • Competitive APYs on savings accounts and CDs 
  • IRA CDs available for retirement investments 
  • Diverse range of accounts for different financial needs: checking, savings, CDs, credit cards, personal loans

Cons

  • No physical locations
  • No auto loans
  • No reimbursement for out-of-network ATM fees

How Discover Bank Stacks Up

Discover hits a home run with its online banking services. They offer competitive rates on most accounts while having no minimum balances or fees. Checking accounts earn 1% cash back, which isn’t very common in the banking world.

Discover stands by its accounts and even offers comparisons to other banks on its website so you can see the differences. Its transparency is great to see. Flexibility is one of Discover’s best traits, evident across all of its banking products.

If the thought of online-only banking scares you, then Discover Bank isn’t the best option for your next bank account. Customers who are okay without a local bank branch should take advantage of high-yield earning with Discover Bank.

Frequently Asked Questions (FAQs)

Does Discover offer any loans?

Yes. Besides its personal banking products, Discover also offers personal loans, student loans and home equity loans.

Personal loans can be taken out through Discover for up to $35,000. The loans have fixed interest rates and can be repaid over a time period ranging from 36 months to 84 months. Those with established credit will qualify for lower APRs than those with an average to poor credit profile. There are no origination fees or other loan fees so long as you pay on time.

Discover student loans cover up to 100% of school costs. Students also can earn a discount for getting good grades. Student loans carry either a variable or fixed interest rate. The specific APR will vary, depending on the creditworthiness of the applicant.

Flexible home equity loans are available through Discover, with terms ranging from 10 years to 30 years. Home equity loan amounts range from $35,000 to $200,000. These loans carry a fixed APR, which will vary based on loan amount and creditworthiness factors.

Is Discover Bank FDIC insured?

Yes, Discover Bank is FDIC insured (FDIC# 5649). The federal government protects your money up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.

Discover Bank takes account security seriously. They do this through the use of fraud monitoring, fraud protection, SSL encryption, bill pay protection, and other security measures. Discover customers will never be held responsible for unauthorized banking transactions.

How good a deal is the Discover 1% cash back debit card?

Discover Bank is one of the few banks that still offers significant cash back rewards for debit card purchases. You can earn 1% cash back on up to $3,000 in debit card purchases each month.

Cash back can be redeemed as an automatic monthly deposit into your Online Savings account, transferred to a Discover Credit Card Cashback Bonus Account or deposited into your Cashback Debit account, Online Savings account or Money Market account. Rewards do not expire so long as your account is kept in good standing.

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Источник: https://www.forbes.com/advisor/banking/discover-bank-review/

Aaa discover ira cd rates -

Morgan Stanley CashPlus: A Modern Alternative to Banking

What is a Morgan Stanley CashPlus Account?

CashPlus Accounts are brokerage accounts specifically designed for your cash management needs.

Is there a fee for the CashPlus Account?

There is no monthly account fee if the following criteria are met collectively across all CashPlus Accounts in your Account Link Group:

For a Premier CashPlus Account:

  • $2,500 in total monthly deposits OR $25,000 in Average Daily Cash Balance (in the Bank Deposit Program)
  • Additional eligible Morgan Stanley investment account
  • Morgan Stanley Online enrollment

For a Platinum CashPlus Account:

  • $5000 in total monthly deposits AND $25,000 in Average Daily Cash Balance (in the Bank Deposit Program)
  • Additional eligible Morgan Stanley investment account
  • Morgan Stanley Online enrollment

For important account information please refer to the CashPlus Account Disclosure Statement.


What deposits are eligible for total monthly deposit?

Eligible deposits consist of:

  • Direct Deposit of payroll
  • Incoming Transfers
  • Mobile Check Deposit
  • Branch Check Deposit
  • Incoming Send Money with Zelle®
  • Incoming Wire
  • Any Social Security Deposit Amount
  • Distributions from a Morgan Stanley Retirement Account

 

A Morgan Stanley investment relationship is required to avoid a monthly fee.  What constitutes an eligible Morgan Stanley investment relationship?

Eligible investment accounts include but are not limited to: 

 

Источник: https://www.morganstanley.com/what-we-do/wealth-management/cashplus

What Is a 3-year CD?

Certificates of deposit, or CDs, are savings products that pay the customer interest in exchange for agreeing to leave their deposit with the bank or credit union for a fixed period of time.

Most depository institutions offer a variety of CDs with different maturity dates; typically, the shortest ones will last three months while the longest ones range up to ten years, though five years is the longest term at most institutions. In theory, the longer the duration of the deposit, the higher the rate the institution is willing to offer.

CDs are considered safe, conservative investments because their rate of return is pre-determined and guaranteed to remain locked for the full term. In addition, virtually all CDs are offered by FDIC-insured banks, or by credit unions insured through the NCUA. As a result, deposits of up to $250,000 are protected, even if the financial institution faces liquidity problems.

Most CDs don't allow you to add funds after the initial deposit, making it a less favorable savings vehicle for those who wish to make periodic contributions. But CD accounts are well-suited for parking cash you won't need for a while and that you want invested reliably and essentially risk-free.

Usually, CDs are set to automatically renew at maturity. But you'll be notified of the maturity date in advance and given the opportunity to tell the bank you'd like to do something different with the money, such as withdraw it or transfer it to another institution. Fortunately, if you miss the maturity date by a few days, most banks and credit unions afford a grace period of a few days during which you can still withdraw your funds without penalty.

It's important to note that CD rates can vary significantly from one bank or credit union to another. Indeed, the top certificate rates nationwide are typically three and five times the industry average for a CD of the same duration. So it's critical you shop around.

How Does a 3-Year CD Work?

Each CD has a pre-established rate of interest that the bank or credit union pays on the deposit amount. The rate is usually published as an annual percentage yield, or APY, which reflects the total earnings on the account over a year's time, given the actual interest rate and the frequency with which that interest is compounded.

Many CDs use daily compounding, in which the annual interest rate is divided by 365 and applied to the balance each day. The following day, the daily interest rate is applied to this new balance, increasing the yield in the account. The amount of interest that has accrued will typically be credited monthly or quarterly.

To provide a disincentive to CD holders from taking their money out of the account before maturity, all banks and credit unions have an early withdrawal penalty policy. An early withdrawal will cause you to forfeit some of your interest earnings—3 to 12 months' worth of interest is common—but the penalties vary widely by institution, with some onerous enough to eat into principal.

Some banks and credit unions offer penalty-free CDs, although they typically offer a lower rate and may be "all or nothing" propositions. If that's the case, you would need to pull out your entire balance and close the account if you want to withdraw early. Because of their lower rates, no penalty-free options make the cut in our ranking of the top-paying nationally available 3-years CDs.

How Are CD Rates Determined?

The rate paid on CDs is determined by each bank and credit union and involves their particular need for deposits and the time horizon of their deposit strategy. However, the actions of the Federal Reserve loom large in the equation. The federal funds rate, which is determined by the central bank's Federal Open Market Committee, influences how much banks have to pay in order to borrow from each other. That, in turn, influences how much individual depository institutions are willing to pay consumers for their deposit funds.

When the Fed's rate is low, banks will offer lower yields on interest-bearing accounts. When interest rates go up, however, they tend to pay higher rates in order to attract customers.

What Are Alternatives to a CD?

CDs offer a trade-off compared to other conservative investments, such as savings accounts and money market accounts. While they offer higher yields compared to these other instruments, they also provide less flexibility. Instead of being able to deposit and withdraw money at your discretion, a CD will require you to commit a fixed amount to remain untouched for a certain amount of time.

In general, CDs tend to be a good option for individuals who have a lump sum of cash that they won't need to tap for several months or a few years. In such cases, they're much safer than stocks, or even bonds, which have the ability to lose value in poor economic conditions.

One increasingly popular alternative to CDs are high-yield savings accounts from online banks like Ally and Marcus. These accounts offer yields that are slightly lower than the best-paying CDs, but give account holders greater flexibility in return. For those seeking better returns than those afforded by a traditional savings account, they represent a middle ground of sorts.

How Can I Join a Credit Union on the List?

Unlike banks, credit unions are created to serve the needs of a specific community. In many cases, that means restricting membership to the residents of a certain area or to the employees of a particular company or group of companies.

However, some credit unions make it fairly easy for non-local individuals to gain eligibility. For example, the institution may allow you to attain membership by making a donation to its foundation or a nonprofit in its community, or by joining a financial literacy or consumer protection organization like the American Consumer Council.

If you aren't looking to lock your money up for a period of time and want easier access to it, you could look at opening a high-yield savings account as an alternative. Below are some savings account options from our partners, which can be competitive with the rates you can earn on CDs. It should be noted that unlike a CD, where your rate is locked in, with a savings account the bank or credit union can change your rate at any time.

Источник: https://www.investopedia.com/best-3-year-cd-rates-4782938
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Is my AAA financial advisor's advice to invest in an annuity a good idea?

Should I consider investing in an annuity or stick with my long-term stocks if I don't like the unreliability of the market?

I am 48 years old. My AAA representative has suggested that I open up a fixed-index annuity. It would be a 10-year annuity with a 5 percent cap and no fees except for early withdrawal. The insurance group that they work with has a financial S&P rating of A+. With the unreliability of the NYSE, I've lost $25,000 over the last month. I don't know much about annuities, but I want to have something with reliable interest and less volatility. I am going to deposit about $75,000. Alternatively, a 10-year CD performs worse even with 3.15 percent interest and fees. Should I consider the annuity, or stick with my long-term stocks?

Staying invested in the stock market will give you a significantly higher potential return, even with the recent market volatility. While annuities provide for protection against losses, they do it by taking most of the potential gains and giving those profits to the insurance company. And although there are no investment management fees, annuities have other internal fees (typically 3% to 7% annually) hidden within the annuity contract.

Get a Second Opinion

If you’d like a second opinion on the annuity, you can schedule a call to talk about your goals, concerns, and how your investments or the annuity fit into your overall financial plan. Purposeful Finance, a non-profit organization, also offers a free annuity review if you would like to see how the AAA annuity compares to the option of staying invested in the market.

Questionable Advice from AAA

While AAA is an amazing company for auto-related products, they offer suboptimal financial advice. AAA is not an investment advisor and their financial advice is actually a sales pitch for insurance products. Legally, they do not have the ability to provide advice or recommendations regarding anything other than insurance products.

The advice to switch to an annuity after the 'losses' occur is questionable at best, as you would be locking in those losses and locking out potential recovery. The 5% cap also seems very low, even for an annuity, which would further limit your future growth.

Additionally, you want to consider the source of the advice to open up the annuity. AAA financial advisors are agents of an insurance brokerage, meaning their legal duty of loyalty is to the insurance company, not their clients. Only Registered Investment Advisors are legally held to a fiduciary duty with their clients. Further, agents are paid by commission for the annuities they sell (as much as 10% of what you 'invest'). While AAA is an amazing organization, their financial advising service is conflicted. You may wish to get a second opinion from a fee-only and fiduciary financial advisor.

Better Advice - Talk With A Fiduciary Advisor

A good financial advisor should focus on your goals and a comprehensive plan to help you achieve them. A component of that plan should be a portfolio within your risk tolerance, which you can stick with, even during market volatility. While you may not be comfortable with the unreliability of your current portfolio, adjusting the portfolio to lower the risk is likely a better answer.

At 48 years old, you have plenty of time before retirement for the market to recover. In 2008, investors lost nearly half of their wealth in the market crash. But since then, those who didn't sell their investments saw their investments recover all of those losses and then continue to grow another 100% over the next 10 years. So long as you don't sell your investments, the "lost" $25,000 is likely just a temporary dip.

The Pros of an Annuity

With a fixed annuity, the fact the insurance company is taking on most of the investment risk is a big plus. And once your retire, buying an annuity might be a good choice for a portion of your retirement funds to provide you with your basic living expenses. Realize though, that Social Security provides the same benefit, so an annuity may not be necessary to provide for your basic living needs.

And Now for the Cons of an Annuity

  1. Annuities have very low rates of return built into them, and over long time periods generally will pay out less retirement income compared to a balanced portfolio of stocks and bonds.

  2. Annuities also have very high costs built into them, further reducing the payout relative to the potential payout of a well-managed portfolio of stocks and bonds.

  3. Annuities don't allow you to easily change investments once you begin the contract. Withdrawal fees are significant and can last more than a decade. 

  4. The tax advantages of an annuity are over-sold and are significantly less than the tax advantages of an IRA or 401(k) plan. Until you max out your retirement contribution limits, you are better off tax-wise with an IRA or 401(k) plan.

  5. Internal fees with annuities are very high, and hidden upfront commissions may be taken from your initial invested principle or repaid through lower returns.

  6. Retirement income from most annuities aren't adjusted for inflation, so what seems like plenty of money at the beginning of your retirement will likely leave you in financial hardship toward your later retirement years. There are inflation adjusted annuities but you'll see a significant reduction in the monthly income they pay you (as much as a third or greater reduction).

  7. Insurance companies can and do go out of business, and if the insurance company you chose goes out of business your annuity income will likely be greatly reduced or be eliminated altogether.

  8. Annuity sales practices can be very predatory, and a bad annuity advisor (sales rep) can easily lead you to believe something which isn't true. Annuity sales practices have often been identified by regulators as problematic and anti-consumer. And these annuity sales practices are one of the main reasons the Department of Labor attempted to implement their fiduciary rule.

Joshua Escalante Troesh is a Tenured Professor of Business and works with people across the country on their finances. To explore working with him on your personal financial planning and investment advising needs, simply schedule a free Discover Meeting.

Investing, Retirement PlanningJoshua Escalante TroeshAnnuity, Annuities, Managing Wealth, Building Wealth, Retirement Planning, Retirement & Legacy, Stock, Financial Advice, Financial PlannerComment
Источник: https://purposefulsp.com/blog/consider-annuity-with-unreliability-of-the-market

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Which Car-Buying Service Is the Best?

Your car is likely to be one of your largest investments, which is why it's often best to use a car-buying service in order to become a more informed buyer and to make the normally painful experience of buying a new vehicle more automated, efficient, and low-pressure.

Instead of spending eight hours or more wrangling with seasoned car sales experts and coming away wishing you were smarter, tougher, or savvier, you can eliminate most of the discomfort and wasted time and feel like you got a great deal. The old paradigm is being replaced by new technology and services that help you level the playing field. And there are signs on the horizon that acquiring a new car or truck will soon become as simple and straightforward as buying a computer, or maybe even a smartphone.

Let's go over the different options available so you can decide which car-buying service is the best for you.

Woman handing car keys to man sitting in driver's seat.

Image source: Getty Images.

First-level services

In the last few years, car information services like Edmunds.com, Cars.com, and others have begun to offer vehicle shoppers a semi-disinterested source of relatively objective information. You can now go online, research many different vehicles, and identify exactly the options and colors you want. Once you've "built" a car you like, you can see an approximate MSRP or even an "actual cost" with which to begin your negotiations with traditional dealerships.

But there's a problem: To get the good information, you must offer up your contact details, which these websites promptly sell to local dealers and insurance companies. "It's simply a form of lead generation," says Damien Bullard, president of leading automotive consulting firm IDDS.

Bullard continues:

It's understandable why these would unleash an avalanche of unlikely offers and unkeepable promises. They're hungry for new customers. But if you object, you can always use the opt out mechanism which legally must be included.

However, without these online services, you're an easy target for sophisticated salespeople who have far more information at their fingertips than you do. With them, you're armed with a suite of data that gives you a realistic starting point for your negotiations, as well as a better understanding of the vehicle market you're entering.

Second-level services

A more advanced breed of websites, like Kelley Blue Book and TrueCar( TRUE 0.90% ), do even more.

After you're done with research and reviews, building a car, and obtaining a "market value," Truecar.com allows you to print a document that you can take to up to four specific dealerships that have promised to honor your TrueCar price.

That's a great feeling, until the sales expert explains that the one and only car available at your promised price has unfortunately been sold. He or she will then helpfully steer you to another car that's almost the same. But guess what? It's slightly more expensive. Unless you're careful, you're right back in the traditional, heavy-handed sales process.

Without a second-level service, you're subject to all the tactics and subterfuge of savvy salespeople, who can play you like a trout on a hook. With it, you have a valuable tool to help you to play one dealer against another, along with documented evidence that you're among the more eager buyers, whom dealers are likely to tempt with a somewhat better deal.

Third-level services

Another helpful resource is the "negotiating service." Available through AAA, Costco, Sam's Club, Wal-Mart, and a variety of local "brokers," a negotiating service has a knowledgeable automotive insider pre-negotiate lower prices for you with a variety of dealers. By working through these services, you can get the vehicle you want for a lower price much more quickly and easily than you could on your own.

However, hard bargainers will discover that these pre-negotiated prices are not much better than the normal prices available to the general public. Tough-minded customers can usually get the dealer to agree to packages even more attractive than the bargaining service's best offers. And these pre-negotiated prices do not include any of the fees you must pay the negotiating service itself.

Without this kind of service, you're negotiating alone against sophisticated and experienced salespeople who encounter prospects like you all the time and routinely get them to sign. With this service, you have an industry expert in your corner who can guide you past the early rounds of the negotiation process and thereby shorten the time it takes for you to make your best deal.

Fourth-level services

As the market continues to evolve, even more powerful car-buying services are beginning to emerge. One of the most exciting examples is actually a manufacturer: Tesla Motors( TSLA -6.42% ). Not only are its vehicles among the "best ever tested" by Consumer Reports and other trusted reviewers, but the sales funnel is so consumer-friendly it's illegal in many places.

Basically, you take a 30-minute test-drive in a Tesla, get out, and walk away. There's never any pressure to buy. As one salesman told me: "It's my job only to plant the seed." If the seed takes root and you decide you want a Tesla, there's a website you can access from home or from any Tesla showroom that allows you to pick your car, add the options you want, and see the final price to lease or buy it.

Tesla does not haggle, and it adds no hidden extras. Take the car at the listed price, or don't. Your choice.

Buyers willing to wait months for their cars keep Tesla's sales staff so swamped with orders that they have no incentive to hornswoggle or even pressure you to sign on the dotted line.

Dealers are frightened by Tesla's laid-back sales method because it threatens to choke off the cash cow on which they've been feasting since the early 1930s, when car manufacturers began to grant one person the exclusive right to sell their cars in geographic areas as large as a whole state. Today's legacy dealerships now pay millions of dollars in sales taxes to local and state governments. This gives them enough political power to try locking out Tesla and anyone else who threatens to circumvent their fat share of the lucrative new-car industry.

Without participating in this business model, you're fighting solo (or nearly solo) against a phalanx of highly experienced deal-making opponents. If you work within it, most of the time-honored selling procedures get thrown out the window, and your car-buying experience is far more similar to most other purchases you make.

A brand-new paradigm

While dealers are successfully banning Tesla from Texas, Arizona, Virginia, New Jersey, and Maryland, there's another vehicle acquisition paradigm on the horizon that may help consumers eliminate the age-old high-pressure experience of buying a new vehicle while keeping today's revenue-engorged dealers fully in the loop.

It's a start-up in the Los Angeles area called DealerPinch.com.

Like most of the other websites in these categories, DealerPinch allows you to read reviews, build a car and check its MSRP, research options, and obtain a "market price." But then it goes one important step further: It allows you to submit a bid, online, for lease or purchase of that car. You can specify what colors you'll accept, how much cash you wish to put down, and how large a monthly payment you'll agree to. If you prefer to lease, you can also specify the annual mileage allowed and the duration of the contract.

DealerPinch then checks your credit (as a "soft pull" that won't affect your credit score) and -- if you're a bona fide buyer -- submits your offer to four of the top dealerships in your chosen area. If your bid is accepted by any of the dealers, then you'll get your car on your specified terms. If your offer is too extreme, then dealers can simply decline to respond, or they can make a counter-offer.

To accept or counter your offer, however, the dealer must have your car in inventory and must specify the VIN number. This keeps you safe from the "bait and switch." Another safeguard is that DealerPinch keeps you anonymous, so dealers (and insurance companies) are unable to bother you with unwanted sales pitches or promises. If you and a dealer come to terms, you have 48 hours to schedule an appointment, pay, and pick up your car.

DealerPinch charges you $99 for facilitating your purchase. If, for whatever reason, you don't get a car through DealerPinch, you owe them nothing.

As DealerPinch expands its service area and its capabilities, the company is contemplating enhanced "concierge" features, such as making sure the car and the paperwork are ready at the dealership before you ever arrive.

Of course, you can still buy your car the old-fashioned way. But with all these car-buying tools available, why would you bother?

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a Motley Fool premium advisory service. We’re motley! Questioning an investing thesis – even one of our own – helps us all think critically about investing and make decisions that help us become smarter, happier, and richer.
Источник: https://www.fool.com/investing/general/2015/11/01/which-car-buying-service-is-the-best.aspx
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Comments

  1. @Aditya Damar Agung Nugraha saya sudah di daftarkan tp kok tdk bisa yaah? Gimanaa caranya yah?

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