Thanks for breaking things down and simplifying them. I often get overwhelmed when researching money and investing strategies. Your videos are clear, concise, and real. Thanks!

@BirchFinance

Ай бұрын

Hey Janson, glad you found it helpful! This stuff can get unnecessarily over-complicated by people trying to sound smart. CD yields are still quite good if you're in the market for low risk returns! I really appreciate you stopping to drop the feedback!

Great break down! It is a lot easier than I would have expected. Thank you for sharing this! 👍🏼

@BirchFinance

3 ай бұрын

Thanks for the note; glad you like the video! Truly is super simple - such an underrated investment, especially in current market conditions!

Thank you for the very informative video. Aloha from Hawaii!

@BirchFinance

Ай бұрын

Aloha! Thanks for the note and hope all is well in paradise!

My uncle locked in 4.68% 2 year CDs. Receiving about $700 monthly... not bad. Its like a small rental unit

@BirchFinance

2 ай бұрын

That’s legit! Well done, uncle! 💰💰💰

i have to commend you on your timing. the 10 yr just broke below its 200 day moving avg. looks like rates are in a new lower trading pattern

@BirchFinance

2 ай бұрын

Thanks, Greg. The 12 mo CD at 5.8% APY is still available - we'll see how much longer it lasts.

1 word; Smooth.

@BirchFinance

3 ай бұрын

Thanks bro! Gettin’ there!

Those high yield rates quoted for credit unions- 5.8%, for example, are totally inaccurate.

@BirchFinance

3 ай бұрын

I was surprised too when I saw the WSJ article so I had to check for myself and sure enough on their websites, 5.75… but must admit I stopped short of signing up to personally verify.

5:15 I was hoping you would say that.😏

@BirchFinance

3 ай бұрын

100%… 🇺🇸 👊

I must say I really appreciate your tone, energy, and of course your very high level of production quality! Inspiring! Thanks!

@BirchFinance

3 ай бұрын

Thanks for the note; glad you liked it!!

@-Nick-T

3 ай бұрын

i agree, your vocal tone emmits confidence of knowledge. great production quality, great content. keep going sir.

@BirchFinance

3 ай бұрын

@@-Nick-T Hey Nick, I appreciate the note and feedback! Glad you enjoyed it - plenty more to come!

Theres a big difference between a hysa rate and a cd rate... if the fed cuts rates theres a decent chance the economy plummets or has plummeted. Which means jobs are in jeapordy. Yes you hysa rate will go down but you money is liquid and can be used to hold yourself over. Money in a cd is basically gone until maturation so Id need much more of a delta to chose it over hysa.

@BirchFinance

3 ай бұрын

Agree. A lot of nuance to monetary policy that couldn’t be addressed in this video. But if you have money that can be stashed away for a month (or 3), you’ll be hard pressed to find a better (low risk) rate than CDs. But if CDs aren’t your thing, all good too! Personal preference plays a huge role in personal finance.

You’re delusional that you think rates are going g down in may.

@BirchFinance

3 ай бұрын

Delusional?

@gregh7457

2 ай бұрын

need a towel to wipe that egg off your face LOL

@mbrad8544

Ай бұрын

@@gregh7457 sorry. Were we talking about rates other than fed funds?