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Reply to "Emergency funds: where do you have yours?"
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[quote=Anonymous]I-bonds are 2.2% right now, no redemption for 1 year, 3 month penalty before five years, 10k limit per SocSec#, per year. Cardinal bank has been offering this deal: http://www.depositaccounts.com/blog/2012/01/checking-account-rate-deal-at-cardinal-bank-in-va-md-dc-local-only.html But who knows how long the interest rate will last Personally I keep the first month's expenses in an ING account, the next two months in IBonds, and the excess gets shunted into VBISX. At the end of the year I shave off some of this to buy more IBonds in anticipation of college expenses.[/quote]
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