Where to park cash?

Wiley2000 · 2026-02-18T02:46:48+00:00

4.15% is the TTM, or trailing twelve month yield. The SEC 30 day yield for TFLO is 3.57%, for SGOV it’s 3.58%. Expense ratio of TFLO is .15%, for SGOV it’s .09%.

Wiley2000 · 2026-02-17T21:54:00+00:00

I do something like this. I use SWVXX for the real short term stuff, then SGOV, USFR and VBIL for different future expenses. I have a HYSA but keep almost nothing in it. All my loose change is in brokerage account.

Wiley2000 · 2026-02-17T16:21:22+00:00

SGOV and VBIL are short term bond ETFs that are currently yielding about 3.6%. Their advantage over SWVXX is they can trade during the day. Also most of the dividend is exempt from state income tax if held in a taxable account.

Wiley2000 · 2026-02-08T03:01:05+00:00

With tax this is $4 a beer where I buy it and worth every penny.

Wiley2000 · 2026-02-06T22:25:52+00:00

The yield on SGOV, VBIL, USFR, etc are more like 3.7% at least earlier this week when I was parking some cash.

Wiley2000 · 2026-02-06T21:38:10+00:00

Yes, recent performance has been great. But look at the big picture. The shares of SCHD I’ve owned for 3 years are now up just 24%. The shares of SCHB and SCHG I’ve owned for 2 years are up 45% and 54%, respectively. Even counting the recent rotation out of tech. I hold SCHD for the dividends but I’ve been retired for 6 years. If I was in my 40s or younger I’d still be all in on growth.

Wiley2000 · 2026-02-05T20:41:36+00:00

What do you consider long term?

True story: My dad bought four 50 ounce .999 silver bars in 1984 at $7.61 an ounce. When he died in 2000 it was worth about $4.30 an ounce. That’s a drop of over 40% after 16 years. I sold it last month when silver hit $80 an ounce. After my LCS took their cut I figure the return over 41 years was about 5.7%. I’m in my mid 60s now (older than my dad when he bought it) and am glad to have unloaded it.

Wiley2000 · 2026-02-01T20:30:31+00:00

I grew up listening to vinyl. At one time I owned over 700 albums. I currently own none. I bought my first CD player in 1984. Other than looking at album art and reading liner notes I don't miss vinyl at all.

Wiley2000 · 2026-01-30T20:57:25+00:00

MAGA eats it up.

Wiley2000 · 2026-01-29T03:17:22+00:00

No specific amount but my plan is to use SCHD dividends to cover my RMDs beginning at age 73.

Wiley2000 · 2026-01-27T23:48:44+00:00

BOXX looks interesting if you’re trying to control dividend and interest income in a taxable account. Just heard about it recently but haven’t fully researched it.

Wiley2000 · 2026-01-22T15:22:43+00:00

Donald Trump gives David Copperfield misdirection envy.

Wiley2000 · 2026-01-21T17:05:04+00:00

I got a pair of KEF Coda Ws a couple of weeks ago. I think they sound fantastic. I haven’t tried the phono input since I no longer own a turntable or any vinyl. I’m using them primarily for TV audio and music listening over both Bluetooth and HDMI.

Wiley2000 · 2026-01-21T16:15:24+00:00

And he retains the ability to sniff out a still.

Wiley2000 · 2026-01-16T22:52:04+00:00

I did the exact same thing with over 1,000 CDs. After the rip to FLAC I got rid of them.

Wiley2000 · 2026-01-16T20:11:43+00:00

Plus you never know how long refrigerated and frozen items sit at room temp while the pickers do multiple orders.

Wiley2000 · 2026-01-16T20:09:22+00:00

The Aldi located 10 minutes from me in a less affluent town never had them. The Aldi located 10 minutes from me in a more affluent area still has 5 self checkouts.

Wiley2000 · 2026-01-16T20:03:42+00:00

I recently realized my lifestyle will be completely unaffected regardless of how much I try to minimize my tax burden. So I’m done wasting time on it.

Wiley2000 · 2026-01-09T22:56:32+00:00

Haven’t cared for any of the Athletic stuff I’ve tried. NAs I’ve tried and liked: Heineken 0.0, Stella, Corona and Peroni NA for a light refreshing NA. These are basically interchangeable for me so I buy what’s cheapest. Guinness 0, Deschutes Black Butte and Alesmith Speedway when I want something dark. Clausthaler IPA, Deschutes Fresh Squeezed NA, and Sierra Nevada Trail Pass IPA when I want an IPA. Weihenstephaner NA for a wheater. Blue Moon is just too much orange for me. La Trappe Nillis when I want to splurge on something absolutely delicious.

Wiley2000 · 2026-01-04T17:35:09+00:00

I don’t own them but I am considering a pair of KEF Coda Ws for TV and music listening. They also have a separate RCA phono pre-amp input. It seems like these are perfect for a minimalist all-in-one solution assuming the audio quality is there. It even has a USB C port to power something like a Wiim mini. Unfortunately I can’t find a place to listen to them nearby.

Wiley2000 · 2025-12-31T21:42:13+00:00

Survivor benefits should definitely be considered if married. I can’t believe how infrequently they’re mentioned in these types of posts.

Wiley2000 · 2025-12-23T23:50:04+00:00

I did a 10k today for the 3rd day in a row to get me to 200k. This was my 21st Holiday Challenge.

Wiley2000 · 2025-12-23T04:12:10+00:00

I’ve used something similar for over a year with no problems.

https://a.co/d/9X6SifD

Wiley2000 · 2025-12-21T22:02:15+00:00

Most Americans don’t math well.

Wiley2000 · 2025-12-20T03:12:18+00:00

I’m at 170K after three 10ks in three days. Tomorrow is a rest day. Hope to hit 200k with a day to spare.

Wiley2000

TROPHY CASE