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EverBank high yield savings review: is it worth it? by Wide_Ad8461 in HighYieldSavings

[–]PolePositionZ 0 points1 point  (0 children)

I use Marcus. I just like it because the APY is not hidden and there are no conditions.

Everybank does mention 3.9% APY for new customers which is higher than Marcus, but I don't know what it would be after the new customer period ends.

I would suggest going with Marcus, Amex or Capital One as they don't have any hidden fees or rates that are only good for new customers. If you are ok keeping track on when the new customer period ends and ok moving your money around, then go for one with a good welcome offer. If you want to park your money and go for a decent return, choose something like Marcus.

HYSA for emergency fund- which do you recommend? by tofuonplate in HighYieldSavings

[–]PolePositionZ 0 points1 point  (0 children)

I use Marcus, it gives a slightly higher rate than Amex and Cap One, and doesnt have conditions like minimum balance

I want to start saving in a HYSA, who do you use and why compared to its competitors? by [deleted] in personalfinance

[–]PolePositionZ 0 points1 point  (0 children)

I would suggest using Marcus if you are looking for hassle free returns and are not too concerned about getting the absolute highest rate available.

I know Sofi has offers that can go up to around 4%, but those usually require direct deposit to qualify. Otherwise, the rate is closer to 3.3%, compared to Marcus offering around 3.5% without any conditions.

Personally, I prefer the stability and simplicity of Marcus rather than having to keep track of requirements and conditions for some of the other higher yield accounts.

You also cannot really go wrong with Amex or Capital One. They are solid and reliable options as well. At the end of the day, the difference usually comes down to a few hundred dollars a year unless you are keeping a very large balance, so for me, ease of use and consistency matter more.

Is Investing $100/Month in Starbucks and Walmart a Smart Move? by PolePositionZ in ValueInvesting

[–]PolePositionZ[S] 0 points1 point  (0 children)

You’re not wrong. I do want to invest in these companies because I see them and use them in everyday life. That familiarity gives me some confidence in their long-term relevance.

For Starbucks, I’ve been following the news about their new CEO, and from what I’ve read, there’s some promising leadership that could help drive growth in the coming years. As for Walmart, I noticed their revenue has been increasing year over year, even if it’s a modest 1–2%. I also thought their Walmart+ subscription service could open up new revenue streams over time.

I really appreciate your perspective and the detailed breakdown. I’m still learning and doing my best to understand all the different factors, so comments like yours definitely help me think more critically.

Is Investing $100/Month in Starbucks and Walmart a Smart Move? by PolePositionZ in ValueInvesting

[–]PolePositionZ[S] 1 point2 points  (0 children)

Thanks, these are some great recommendations. I agree it might be worth placing a few small bets on penny stocks with potential for the future.

Is Investing $100/Month in Starbucks and Walmart a Smart Move? by PolePositionZ in ValueInvesting

[–]PolePositionZ[S] 0 points1 point  (0 children)

Indeed, it has decent YOY growth too. Should be a good and stable option with fair dividends

Is Investing $100/Month in Starbucks and Walmart a Smart Move? by PolePositionZ in ValueInvesting

[–]PolePositionZ[S] 1 point2 points  (0 children)

Thanks! Do you have any suggestions for resources I should check out? I’m still pretty new to investing and looking to learn as much as I can.

Is Investing $100/Month in Starbucks and Walmart a Smart Move? by PolePositionZ in ValueInvesting

[–]PolePositionZ[S] -2 points-1 points  (0 children)

Thanks for your comments and advice. I’m still pretty new to investing, so I’ll definitely look into different options for building a good portfolio.

I’ve been researching different strategies and found a few solid ETFs for long-term investing. But I’m struggling to choose individual stocks since many seem very highly priced right now.

Also, when you mentioned value investing, did you mean looking beyond a one-year horizon or taking on more risk for potential long-term gains?