[{"content":"While looking at my stock portfolio I noticed that it becomes quite time consuming to look up every stock to see how well they are doing. Are they weakening, getting stronger or remaining stable? I created a simple tool that allows users to upload their portfolios from Fidelity, Etrade and Schwab. It may work with other brokerage also but they have not been tested. All of these brokerages allow exporting the portfolio via .csv file. Once this file is generated, head over to http://megascreener.com\nSimply select the .csv file to upload and the website does the rest. It is advisable for your safety to remove any columns that contain account numbers. The script strips out this data if it is included.\nOnce uploaded, you are free to hide any columns you don\u0026rsquo;t want and can be minimized afterwards. While doing this, the 3 year financial data for each of your stock positions is being downloaded and value such as \u0026ldquo;growing, weakening or stable\u0026rdquo; is being calculated.\nOnce done loading all of the data, you can go to the save icon in the upper right to save. The portfolio is saved locally to your browsers local storage and not on a database. No usernames or login required.\nThe data is 3 years of annual data. When the majority of values are headed upwards then the indicator for that value will show growth. If a majority of these values are headed upwards, then it will show growth or strengthening and visa versa it will show weakening.\nIf you are like me and you like to hold stocks for several years and not jump in and out quarter to quarter, this may be useful to you. Rather than looking at quarterly earning, analyst recommendations which tend to be short term in nature this adds something that is lacking on most portfolio pages. Feel free to try it out and offer any suggestions or comments.\nMegascreener also has an advanced stock screener. In fact, it is one of the most advanced stock screeners out there that I have used. It does discounted cash flow which is already more than most stock screeners do. Not only that but the stock screener has accelerated growth settings for Sales, Net Income and Net Margin. So if these values are growing faster than their historic growth rate, then only those stocks will appear. This is extremely valuable in finding companies that are really taking off or improving. All of this is currently free with no signups needed! It currently works for US listed stocks. https://megascreener.com\n","permalink":"https://techfinology.us/adding-financial-health-checker-to-your-portfolio/","summary":"\u003cp\u003eWhile looking at my stock portfolio I noticed that it becomes quite time consuming to look up every stock to see how well they are doing. Are they weakening, getting stronger or remaining stable? I created a simple tool that allows users to upload their portfolios from Fidelity, Etrade and Schwab. It may work with other brokerage also but they have not been tested. All of these brokerages allow exporting the portfolio via .csv file. Once this file is generated, head over to \u003ca href=\"http://megascreener.com\"\u003ehttp://megascreener.com\u003c/a\u003e\u003c/p\u003e","title":"Adding Financial Health Checker to Your Portfolio"},{"content":"I looked at a large number of US index based equity ETFs that are technology or general equity ETFs and selected the ones with 100 or fewer stocks to see how well they did vs the indexes such as Invesco QQQ Trust (QQQ) , Vanguard S\u0026amp;P 500 ETF (VOO).\nWith fewer stocks these are likely to go up or down more when the stock market goes up or down. However, some may see this is worth the risk especially if it outperforms the market when it goes up.\n📊 The Least Diversified ETFs (100 or Fewer Stocks) 💡 Tip: Scroll or drag horizontally to view all columns Open in new tab ↗ iShares has new ETFs launched in 2024, iShares Nasdaq Top 30 Stocks (QTOP), iShares Top 20 U.S. Stocks ETF (TOPT) and iShares Nasdaq-100 ex Top 30 ETF (QNXT). The last one is probably the most unique because it excludes the top 30 largest companies.\nInvesco NASDAQ Next Gen 100 ETF (QQQJ) which started in 2020 also excludes the largest stocks. It excludes the largest 100 companies from the Nasdaq so selects 200-300 largest companies instead.\nThe smallest number of stocks is iShares Top 20 U.S. Stocks ETF (TOPT) which has only 21 stocks at the time of this writing.\nThe largest ETFs by market cap is Invesco QQQ Trust (QQQ) which has about $288 billion in assets. The Technology Select Sector SPDR Fund (XLK)is second with around $72B. The ones with the least amount of assets so far are the brand new ones such as iShares Nasdaq-100 ex Top 30 ETF (QNXT) which only has $15M.\nThe strangest one is the Sofi Social 50 (XNTK). It only invests in the most popularly held stocks by Sofi Invest users and is also adjusted monthly which is unusual. The performance recently has been good but they are still failing to bring in large amounts of money at only $20M which isn\u0026rsquo;t very much for an ETF.\nThe most boring ones are probably the Dow Jones Industrial Average based ones which have sort of under performed the S\u0026amp;P 500. Out of all of them, the Schwab U.S. Dividend Equity ETF (SCHD) pays the most dividend with a 4.03% dividend yield while still being fairly well performing for the group. SCHD is also has the lowest expense ratio at .06% vs .60% for the highest one, Invesco Dorsey Wright Technology Momentum ETF (PTF).\nThere are more ETFs that have less than 100 stocks but many are sector specific or are really small (low assets) or have higher fees so I excluded those.\nThe top performers for the last 5 years were the ETFs with the most tech such as PTF(100%) XLK (100%), XNTK (72%), and MGK(61%). QQQ(59%) is not far behind. The 5 year performance was pretty much in that order based on the tech percentage.\nAnother 100% tech one is the XITK SPDR FactSet Innovative Technology ETF. Although it has 100% in tech the performance was not as good as the others that hold the usual large cap stocks. XITK holds an unusual mix of stocks.\nThe 10 year performance was more of the same. Tech is still the winner and all of the same ETFs are still in the list with QQQ(59%) jumping up even higher as shown in red. The benchmark Vanguard S\u0026amp;P 500 (VOO) with 500 stocks and 31% tech falls slightly in the middle and COWZ beat VOO slightly even with only 21% tech.\nFDN despite having 39% tech which is greater than VOO (31%) trailed the Vanguard S\u0026amp;P 500 VOO slightly at 87% vs 106% return. FDN has a very high .50% fee which probably contributes to this.\n** DJIA and Dividend ETFS**\nAfter removing all of these tech heavy ETFs and comparing the DJIA and Dividend ETFs for the 5 year we see that it is pretty much more of the same with the heaviest tech percentages leading the 5 year returns: Pacer US Cash Cows 100 COWZ(21%) First Trust Dow Jones Internet Index FND(37%), SPDR Dow Jones DIA(20%). However, coming in second to third most of the time is Charles Schwab US Dividend Equity ETF SCHD(9%). This one is a bit unusual because it has one of the highest dividend yields also at 4.03%. When turning off dividend reinvestment it still stays about in the same second to third place.\nThe 10 year return is shown below.\nFDN which has 37% tech, the highest in the group was the #1 performer from 12/16/2016 till 12/9/2024. This eight year period was used instead of ten years because COWZ started then. FDN , COWZ , DIA and SCHD were the top performers while DVY and SPYD were the worst performers. DVY and SPYD both have the least amount of tech at 3% and 8% respectively.\n** NASDAQ based ETFS**\nMany of these ETFs are brand new so couldn\u0026rsquo;t be compared and so I used a 4 yr time period from the date that QQQA was started in 2021.\nThe performance winners for this time period are yet again the ETFs with the most percentage invested in technology. PTF (100%), QQQ (59%) and QQQA (47%).\nThe 10 year performance is show in the chart below. There were only two ETFs that have been around for 10 years that is why there isn\u0026rsquo;t much to look at. PTF did very well and QQQ as well.\n** Other ETFs**\nThe 5 year performance worst performance is a toss up between S\u0026amp;P 500 Quality Index SPHQ (33%) and XITK (100%). The Technology Select Sector SPDR Fund (XLK) (100%), SPDR NYSE Technology (XNTK) (72%), Vanguard Mega Cap Growth (MGK) (61%) and surprisingly S\u0026amp;P 500 Momentum Index (SPMO) (39%) were the top performers. SPMO has the second least amount of tech at 39% which did well considering this. However, it was neck and neck with XLG which has has 42% tech until just recently.\nThe Sofi Social 50 SFYF did somewhere in the middle performance.\nThe 10 year performance is show below. I am using 8 years since one of the ETFs wasn\u0026rsquo;t around then.\nXITK \u0026rsquo;s inception date was 2016 so that is the start point so this is about 8 years.\nThe performance is more or less the same as before with the tech heavy XLK , MGK and XNTK leading. The ETF with the least tech percentages were SPHQ (33%), SPMO (39%) and XLG (43%). Two of these can be seen near the bottom as some of the worst performers for this group.\n** Conclusion**\nThe conclusion here is that tech has done well over the last 5 and 10 year period and having a high percentage of technology stocks in the portfolio contributes to a higher percentage return during this period shown. There were some exceptions like COWZ(21%) and SCHD (9%) which did better than their percentage of tech held.\n","permalink":"https://techfinology.us/the-least-diversified-etfs-with-100-or-less-stocks/","summary":"\u003cp\u003eI looked at a large number of US index based equity ETFs that are technology or general equity ETFs and selected the ones with 100 or fewer stocks to see how well they did vs the indexes such as Invesco QQQ Trust \u003cstrong\u003e(QQQ)\u003c/strong\u003e , Vanguard S\u0026amp;P 500 ETF (\u003cstrong\u003eVOO\u003c/strong\u003e).\u003c/p\u003e\n\u003cp\u003eWith fewer stocks these are likely to go up or down more when the stock market goes up or down. However, some may see this is worth the risk especially if it outperforms the market when it goes up.\u003c/p\u003e","title":"The Least Diversified ETFs with 100 or less stocks"},{"content":"I compared 15 momentum ETFs to find the best performing momentum ETFS and to see how they compare against the S\u0026amp;P 500, QQQ and other benchmarks. Many of these momentum ETFs fail to even match the performance of the indexes that they pull stocks from. Some indexes have hundreds more stocks, a much lower expense ratio and beat these momentum indexes? Are all momentum ETFs failures? Not all failed. There were at least a few that beat the indexes and did pretty well.\nHow did Vanguard US Momentum Factor ETF do? I reviewed lots of ETFs from Invesco such as Dorsey Wright Technology Montum ETF, Fidelity Momentum factor ETF, JPMorgan US Momentum Factor ETF, Invesco S\u0026amp;P 500 Momentum ETF, iShares MSCI US Momentum Factor ETF and many more. VFMO ETF PDP ETF MTUM ETF SPMO ETF JMOM ETF ONEO ETF XMVM ETF XMMO ETF FDMO ETF XSMO ETF XSVM ETF SMLF ETF DWAS ETF PTF ETF QQQA ETF #momentum #fidelity #PFT #SPMO #FDMO #JMOM #MTUM\n","permalink":"https://techfinology.us/the-best-momentum-etfs-vs-voo-sp-500-can-momentum-etfs-beat-the-indexes-15-etf-compared/","summary":"\u003cp\u003eI compared 15 momentum ETFs to find the best performing momentum ETFS and to see how they compare against the S\u0026amp;P 500, QQQ and other benchmarks. Many of these momentum ETFs fail to even match the performance of the indexes that they pull stocks from. Some indexes have hundreds more stocks, a much lower expense ratio and beat these momentum indexes? Are all momentum ETFs failures? Not all failed. There were at least a few that beat the indexes and did pretty well.\u003c/p\u003e","title":"The Best Momentum ETFs vs VOO S\u0026P 500. Can momentum ETFs beat the indexes? 15 ETF compared"},{"content":"I compared 50% VOO + 50% VOOG to 75%VOO and 25% VGT. Does the 50/50 Vanguard S\u0026amp;P 500 and growth beat the 75% VOO and 25% VGT Vanguard technology ETF? The results surprised me. I also look at tech percentages in each to see how well each performs. I also added some other ETFs to compare such as Vanguard VUG Growth ETF, Schwab SCHG Large Cap Growth ETF, SPDR SPYG S\u0026amp;P 500 Growth ETF and lastly I compared Invesco QQQ Nasdaq-100 ETF and try and figure out why QQQ does so well even though it only has 50% tech.\nWhy is QQQ performance so good? Techfinology store https://www.youtube.com/@techfinology/store Hats, t-shirts, hoodies and coffee cups now available.\nRaisin up to $200 Signup Bonus Annualized APY now over 7% with the bonus! ($5,000 min required) https://www.raisin.com/en-us/referral-program?utm_source=email\u0026amp;utm_medium=referral\u0026amp;utm_campaign=raf-bonus\n1. Select a product via the link\n2. Enter kevinp29235 in the referral field.\n3. Deposit at least $5000 and keep there for 90 days\n","permalink":"https://techfinology.us/does-50-50-voo-voog-beat-75-voo-and-25-vgt/","summary":"\u003cp\u003eI compared 50% VOO + 50% VOOG to 75%VOO and 25% VGT. Does the 50/50 Vanguard S\u0026amp;P 500 and growth beat the 75% VOO and 25% VGT Vanguard technology ETF? The results surprised me. I also look at tech percentages in each to see how well each performs. I also added some other ETFs to compare such as Vanguard VUG Growth ETF, Schwab SCHG Large Cap Growth ETF, SPDR SPYG S\u0026amp;P 500 Growth ETF and lastly I compared Invesco QQQ Nasdaq-100 ETF and try and figure out why QQQ does so well even though it only has 50% tech.\u003c/p\u003e","title":"Does 50/50% VOO \u0026 VOOG beat 75% VOO and 25% VGT?"},{"content":"Composer automated stock trading brokerage (Composer.trade) now has new retirement accounts, crypto and new features. I go over the new features and options available. Composer is an algorithmic trading brokerage platform that uses Alpaca brokerage as the broker to execute trades.\nComposer is an algo stock trading bot can do stock backtesting and trading. Learn how to algorithmically trade stocks in the stock market without any programming experience. No python required and works with Alpaca brokerage and Apex Clearing. Composer allows complex trading strategies to be created and automatically buys and sells daily when the criteria is met. It is free for backtesting and Crypto trading. Crypto trading does have a small .2% fee (at time of this writing). There is a fee of $30 a month for the trading pass or it is even less when paid annually.\nThere is also a 25% discount if you sign up using my code. Trade with Composer and get 25% off using my code below while signing up. http://composer.trade Code: QvKgdur-TRADE\n#composer #algotrading #brokers\n","permalink":"https://techfinology.us/composer-trade-now-does-crypto-and-iras/","summary":"\u003cp\u003eComposer automated stock trading brokerage (Composer.trade) now has new retirement accounts, crypto and new features. I go over the new features and options available. Composer is an algorithmic trading brokerage platform that uses Alpaca brokerage as the broker to execute trades.\u003c/p\u003e\n\u003cp\u003eComposer is an algo stock trading bot can do stock backtesting and trading. Learn how to algorithmically trade stocks in the stock market without any programming experience. No python required and works with Alpaca brokerage and Apex Clearing. Composer allows complex trading strategies to be created and automatically buys and sells daily when the criteria is met. It is free for backtesting and Crypto trading. Crypto trading does have a small .2% fee (at time of this writing). There is a fee of $30 a month for the trading pass or it is even less when paid annually.\u003c/p\u003e","title":"Composer trade now does Crypto and IRAs"},{"content":"While the S\u0026amp;P 500 was up around 25% in 2023, Dollar General was down approximately 46%. The company had a really bad third quarter where net income was down 47% with same store sales falling slighly. The company has blamed shoplifting as a result of the recent self checkout expansion but is there more to the story?\nhttps://investor.dollargeneral.com/websites/dollargeneral/English/2120/us-press-release.html?airportNewsID=6e45bcfc-f067-4bdb-8d4b-bda9534b04c9\n","permalink":"https://techfinology.us/dollar-general-was-one-of-the-worst-sp-500-performers-in-2023/","summary":"\u003cp\u003eWhile the S\u0026amp;P 500 was up around 25% in 2023, Dollar General was down approximately 46%. The company had a really bad third quarter where net income was down 47% with same store sales falling slighly. The company has blamed shoplifting as a result of the recent self checkout expansion but is there more to the story?\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/f4GNW7MIKbQ?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003e\u003ca href=\"https://investor.dollargeneral.com/websites/dollargeneral/English/2120/us-press-release.html?airportNewsID=6e45bcfc-f067-4bdb-8d4b-bda9534b04c9\"\u003ehttps://investor.dollargeneral.com/websites/dollargeneral/English/2120/us-press-release.html?airportNewsID=6e45bcfc-f067-4bdb-8d4b-bda9534b04c9\u003c/a\u003e\u003c/p\u003e","title":"Dollar General was one of the worst S\u0026P 500 Performers in 2023"},{"content":"Best Global Bank Fidelity Cash Management or is Schwab bank best for overseas travel? The Fidelity Cash Management Account and Schwab Investor Checking / Savings offer some of the most generous overseas ATM fee refund which is great for overseas travelers. However, is Schwab better than Fidelity CMA?\n","permalink":"https://techfinology.us/best-global-bank-fidelity-cash-management/","summary":"\u003cp\u003eBest Global Bank Fidelity Cash Management or is Schwab bank best for overseas travel? The Fidelity Cash Management Account and Schwab Investor Checking / Savings offer some of the most generous overseas ATM fee refund which is great for overseas travelers. However, is Schwab better than Fidelity CMA?\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/qEiVK2BDbzc?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e","title":"Best Global Bank Fidelity Cash Management"},{"content":"Wealthfront cash account now has fast transfers for some supported banks.\n","permalink":"https://techfinology.us/wealthfront-cash-account-fast-transfers/","summary":"\u003cp\u003eWealthfront cash account now has fast transfers for some supported banks.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/vTBs9zAQKoA?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e","title":"Wealthfront Cash Account fast transfers"},{"content":"Merchants bank of Indiana offers a unique flex rate CD product that is currently paying 5.92% APY on their 12 month CD.\n","permalink":"https://techfinology.us/5-92-apy-high-yield-flex-cd-from-merchants-bank-of-indiana/","summary":"\u003cp\u003eMerchants bank of Indiana offers a unique flex rate CD product that is currently paying 5.92% APY on their 12 month CD.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/UBpApcWfrEY?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e","title":"5.92% APY High Yield Flex CD from Merchants Bank of Indiana"},{"content":"I closed numerous credit cards and erased about $100,000 in credit. How will this effect my credit score?\n","permalink":"https://techfinology.us/100000-in-available-credit-erased-overnight/","summary":"\u003cp\u003eI closed numerous credit cards and erased about $100,000 in credit. How will this effect my credit score?\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/ZU6RCQ2vxNM?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e","title":"$100,000 in available credit erased overnight"},{"content":"Which is the best bank for doing lots of bank transfers, adding lots of external bank accounts and one that has a high transfer limit? I look at a huge list of bank to find the best banks.\n","permalink":"https://techfinology.us/best-hub-bank-for-bank-bonuses/","summary":"\u003cp\u003eWhich is the best bank for doing lots of bank transfers, adding lots of external bank accounts and one that has a high transfer limit? I look at a huge list of bank to find the best banks.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/cA5gDvU49fY?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e","title":"Best Hub Bank for Bank Bonuses"},{"content":"Which stock brokerage has the most or least hidden fees? I look at all of the major US stock brokers to see who has the sneakiest fees, most pay for order flow or other hidden fees.\nThe winner for the most equity pay for order flow goes to Webull.\nMost pay for order flow\n$1.66 for 100 Shares Webull\n$1.22 for 100 Shares Robinhood\nLeast pay for order flow\nVanguard 0\nFidelity 0\nPublic 0\nWealthfront stock investing 0\nMost pay for order flow Options\nWebull $.58\nSchwab $.48\nLeast pay for order flow Options\nVanguard 0\nHighest reorganization fee brokers\nAlpaca brokerage $100\nSofi Invest $50\nPublic brokerage $50\nAlly Invest $50\neTrade $38\nHighest illiquidity fee stocks\nSchwab $250\neTrade $150\nWebull $250\nHighest Death Tax Fee\nPublic $200\nM1 Finace $200 + $100 IRA Termination fee\nHighest Transfer Out Fee\nM1 Finance $100\nAlpaca $100\nRobinhood $100\nEtrade $75\nAlly Invest $75\nWebull $75\nSofi Invest $75\nPublic $75\nCash App Invest $75\nNo fee transfer out\nFidelity\nVanguard\nInactivity fee (12 months no activity)\nSofi Invest $25\nMargin liquidation fee\neTrade $25\nFidelity $32.95\nMaster limited partnership tax fee\nVanguard $300\nForeign stock\nSchwab $50\nFidelity 1%\nAlly $50\nVanguard $50\nM1 $50\nWinners Best Brokerage\nFidelity 4.99% settlement, no transfer out fee, no pay for order flow\nVanguard 5.29% settlement, no transfer out fee, no pay for order flow\nBest Up-and-comer\nWealthfront stock investing 5.25% settlement, no pay for order flow\n📊 Brokerage Hidden Fees Comparison 💡 Tip: Scroll or drag horizontally to view all columns Open in new tab ↗ ","permalink":"https://techfinology.us/hidden-brokerage-fee-champs/","summary":"\u003cp\u003eWhich stock brokerage has the most or least hidden fees? I look at all of the major US stock brokers to see who has the sneakiest fees, most pay for order flow or other hidden fees.\u003c/p\u003e\n\u003cp\u003eThe winner for the most equity pay for order flow goes to Webull.\u003cbr\u003e\n\u003cstrong\u003eMost pay for order flow\u003c/strong\u003e\u003cbr\u003e\n$1.66 for 100 Shares Webull\u003cbr\u003e\n$1.22 for 100 Shares Robinhood\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eLeast pay for order flow\u003c/strong\u003e\u003cbr\u003e\nVanguard 0\u003cbr\u003e\nFidelity 0\u003cbr\u003e\nPublic 0\u003cbr\u003e\nWealthfront stock investing 0\u003c/p\u003e","title":"Hidden Brokerage Fee Champs"},{"content":"It didn\u0026rsquo;t take long for Betterment Cash Reserve account to disappoint when they halted my withdrawal and stated that my $1500 withdrawal was unusually large. Don\u0026rsquo;t do business with this scammy company. They don\u0026rsquo;t allow the adding of more than one external bank account and block transfers.\n","permalink":"https://techfinology.us/betterment-checking-is-sneaky-scammy-like-chime/","summary":"\u003cp\u003eIt didn\u0026rsquo;t take long for Betterment Cash Reserve account to disappoint when they halted my withdrawal and stated that my $1500 withdrawal was unusually large. Don\u0026rsquo;t do business with this scammy company. They don\u0026rsquo;t allow the adding of more than one external bank account and block transfers.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/moYo_NClgWA?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e","title":"Betterment Checking is Sneaky \u0026 Scammy like Chime"},{"content":"Here are the highest sweep or settlement account rates for brokerages. Which brokerage pay the highest rates? I compared all of the US brokerages I could find and posted the rate into a spreadsheet.\n📊 Best Money Market Funds \u0026amp; Sweep Account Rates (Aug 2023) 💡 Tip: Scroll or drag horizontally to view all columns Open in new tab ↗ ","permalink":"https://techfinology.us/best-money-market-funds-sweep-account-rates-aug-2023/","summary":"\u003cp\u003eHere are the highest sweep or settlement account rates for brokerages. Which brokerage pay the highest rates? I compared all of the US brokerages I could find and posted the rate into a spreadsheet.\u003c/p\u003e\n\n\n\n\n\n\u003cdiv class=\"spreadsheet-embed-card\" style=\"margin: 1.75rem 0; width: 100%;\"\u003e\n  \n  \u003cdiv style=\"font-weight: 600; margin-bottom: 0.6rem; font-size: 0.95rem; color: var(--primary); display: flex; align-items: center; gap: 6px;\"\u003e\n    \u003cspan\u003e📊\u003c/span\u003e \u003cspan\u003eBest Money Market Funds \u0026amp; Sweep Account Rates (Aug 2023)\u003c/span\u003e\n  \u003c/div\u003e\n  \n  \u003cdiv style=\"width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--border); border-radius: 8px; background: #ffffff; box-shadow: 0 2px 8px rgba(0,0,0,0.06);\"\u003e\n    \u003ciframe \n      src=\"https://docs.google.com/spreadsheets/d/e/2PACX-1vSqD1Y6kyqYIzxZoIlnxySiobxemBT2wtKnpjkeF9hsCG0QOuyWg9Y2c_1UAudZl7EeU4g5vP-tImCO/pubhtml?widget=true\u0026amp;headers=false\" \n      title=\"Best Money Market Funds \u0026amp; Sweep Account Rates (Aug 2023)\"\n      width=\"100%\" \n      height=\"600\" \n      frameborder=\"0\" \n      style=\"width: 100%; min-width: 600px; height: 600px; border: 0; display: block;\" \n      loading=\"lazy\"\u003e\n    \u003c/iframe\u003e\n  \u003c/div\u003e\n  \u003cdiv style=\"display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; margin-top: 8px; font-size: 0.85rem; color: var(--secondary);\"\u003e\n    \u003cspan style=\"font-size: 0.8rem; opacity: 0.8;\"\u003e💡 Tip: Scroll or drag horizontally to view all columns\u003c/span\u003e\n    \u003ca href=\"https://docs.google.com/spreadsheets/d/e/2PACX-1vSqD1Y6kyqYIzxZoIlnxySiobxemBT2wtKnpjkeF9hsCG0QOuyWg9Y2c_1UAudZl7EeU4g5vP-tImCO/pubhtml?widget=true\u0026amp;headers=false\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: var(--secondary); text-decoration: underline;\"\u003e\n      Open in new tab ↗\n    \u003c/a\u003e\n  \u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/WV5w_f5FPNk?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e","title":"Best Money Market Funds Sweep Account Rates Aug 2023"},{"content":"I compared 18 high-yield money market accounts to find the highest rates after fees. I look at Vanguard, Fidelity, iShares, Schwab and SPDR. I compared both mutual fund money market accounts as well as money market ETFs.\nVanguard had several winners in various categories. I seperated the categories to Treasury only, Government Obligations and Corp / Govt with the least risky being treasuries only.\nThese categories were for mutual fund money market funds as well as ETFs. I crowned winners for each.\nVanguard had the highest rate treasury, VUSXX and government obligations money market fund, VMFXX or VMRXX.\nFor ETFs, Ishares TFLO and Wisdom Tree USFR were basically equal with the same expense ratio and roughly the same APY. They hold the same floating rate treasuries but varying amounts for different periods.\nThe top Vanguard money market funds were all non-standard sweep account funds meaning they have to be purchased on their own and cannot be used for the default settlement account.\nFidelity has greater flexibility for settlment account options with SPAXX and FZFXX, however, Fidelity has higher fees and a lower APY on these funds when compared against Vanguard.\n","permalink":"https://techfinology.us/best-money-market-accounts-april-2023-vanguard-schwab-ishares-fidelity-18-compared-swvxx-vmfxx/","summary":"\u003cp\u003eI compared 18 high-yield money market accounts to find the highest rates after fees. I look at Vanguard, Fidelity, iShares, Schwab and SPDR. I compared both mutual fund money market accounts as well as money market ETFs.\u003c/p\u003e\n\u003cp\u003eVanguard had several winners in various categories. I seperated the categories to Treasury only, Government Obligations and Corp / Govt with the least risky being treasuries only.\u003c/p\u003e\n\u003cp\u003eThese categories were for mutual fund money market funds as well as ETFs. I crowned winners for each.\u003c/p\u003e","title":"Best Money Market Accounts April 2023 Vanguard, Schwab, iShares, Fidelity 18 compared SWVXX, VMFXX,"},{"content":"Merchants Bank of Indiana is one of few companies offering a flexible rate certificate of deposit (CD). How does a flex rate CD work?\nThe company uses the prime rate minus 2.75%. At the time of this writing, 7/25/2023 this rate is now 5.65%. As the prime rate changes, this rate can go up or down.\nThe company offers a 12 month, 24 month and 36 month CD for the flex rate CD. A minimum of $1000 is required. The account is FDIC insured but the rate is not guaranteed that it will stay the same.\nAs with most CDs, there is a penalty if the CD is withdrawn or closed early.\n","permalink":"https://techfinology.us/highest-cd-rates-5-65-apy-12-month-flex-index-cd-from-merchants-bank-of-indiana/","summary":"\u003cp\u003eMerchants Bank of Indiana is one of few companies offering a flexible rate certificate of deposit (CD). How does a flex rate CD work?\u003c/p\u003e\n\u003cp\u003eThe company uses the prime rate minus 2.75%. At the time of this writing, 7/25/2023 this rate is now 5.65%. As the prime rate changes, this rate can go up or down.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/fXQth1hX5dE?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eThe company offers a 12 month, 24 month and 36 month CD for the flex rate CD. A minimum of $1000 is required. The account is FDIC insured but the rate is not guaranteed that it will stay the same.\u003c/p\u003e","title":"Highest CD Rates 5.65% APY 12Month Flex CD from Merchants Bank of Indiana"},{"content":"Both Broadcom and Home Depot are both top holding for the popular Schwab US Dividend Equity ETF (SCHD). However, if we could only pick one which would it be?\nHome Depot is the class leader in its category of Home Improvement with higher profit margins than Lowes as well as return on equity.\nBroadcom is a fairly well diversified chip company that is known for doing lots of acquisitions and extracting value out of the companies it acquires.\nThe return on equity and profit margin of Broadcom is even higher than Home Depot.\nOne major concern with Broadcom is that Apple is going to be not be using Broadcom chips in the future and will produce their own.\nSamsung may follow Apple and make their own chips in the future soon as well.\nAs a result it seems like Home Depot may be the safer bet over a long period of time.\n","permalink":"https://techfinology.us/best-dividend-stock-broadcom-vs-home-depot-compared/","summary":"\u003cp\u003eBoth Broadcom and Home Depot are both top holding for the popular Schwab US Dividend Equity ETF (SCHD). However, if we could only pick one which would it be?\u003c/p\u003e\n\u003cp\u003eHome Depot is the class leader in its category of Home Improvement with higher profit margins than Lowes as well as return on equity.\u003c/p\u003e\n\u003cp\u003eBroadcom is a fairly well diversified chip company that is known for doing lots of acquisitions and extracting value out of the companies it acquires.\u003c/p\u003e","title":"Best Dividend Stock Broadcom vs Home Depot Compared"},{"content":"I compare low cost ETFs to low cost S\u0026amp;P 500 mutual funds Which one is the best low-cost index mutual fund or low-cost ETF? Fidelity FXAIX S\u0026amp;P 500 mutual fund, Vanguard VFIAX, VOO or Schwab SWPPX? Which low cost S\u0026amp;P 500 index fund. is best?\nAre mutual funds more tax-efficient than index stock ETFs? Not all mutual funds are created equally. I show how Vanguard mutual funds are superior to other mutual funds with regard to tax efficiency.\nOther stock mutual funds tend to leak some taxable distributions unlike Vanguard mutual funds.\nI look at the history of Vanguard and how a tax loophole launched the low cost index mutual fund revolution and eventually led to ETFs.\n","permalink":"https://techfinology.us/mutual-funds-vs-etfs-which-is-better-vanguard-fidelity-schwab/","summary":"\u003cp\u003eI compare low cost ETFs to low cost S\u0026amp;P 500 mutual funds Which one is the best low-cost index mutual fund or low-cost ETF? Fidelity FXAIX S\u0026amp;P 500 mutual fund, Vanguard VFIAX, VOO or Schwab SWPPX? Which low cost S\u0026amp;P 500 index fund. is best?\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/6ouK-L-4eDE?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eAre mutual funds more tax-efficient than index stock ETFs? Not all mutual funds are created equally. I show how Vanguard mutual funds are superior to other mutual funds with regard to tax efficiency.\u003c/p\u003e","title":"Mutual Funds vs ETFs. Which is Better? Vanguard, Fidelity \u0026 Schwab"},{"content":"Composer.trade automated algorithmic (algo) stock trading bot can do stock backtesting and trading. Learn how to algorithmically trade stocks in the stock market without any programming experience. It works with Alpaca brokerage.\nSignup to Composer Pro using my referral code, fund the account with $50+ and make one trade and get $50. https://www.composer.trade/\nReferral code is:\nlIMrRBU-TRADE\nComposer allows to develop trading strategies such as rebalancing and have the bot attempt to execute everyday, once per week, monthly or quarterly.\n","permalink":"https://techfinology.us/stock-trading-and-backtesting-platform-composer-review/","summary":"\u003cp\u003eComposer.trade automated algorithmic (algo) stock trading bot can do stock backtesting and trading. Learn how to algorithmically trade stocks in the stock market without any programming experience. It works with Alpaca brokerage.\u003c/p\u003e\n\u003cp\u003eSignup to Composer Pro using my referral code, fund the account with $50+ and make one trade and get $50. \u003ca href=\"https://www.composer.trade/\"\u003ehttps://www.composer.trade/\u003c/a\u003e\u003cbr\u003e\nReferral code is:\u003cbr\u003e\n\u003cstrong\u003elIMrRBU-TRADE\u003c/strong\u003e\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/0u8bxUHWfVk?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eComposer allows to develop trading strategies such as rebalancing and have the bot attempt to execute everyday, once per week, monthly or quarterly.\u003c/p\u003e","title":"Stock Trading and Backtesting Platform Composer Review"},{"content":"I looked at Schwab, Fidelity, eTrade, Vanguard, TD Ameritrade and Robinhood to compare the options available for uninvested cash. Some offer no automatic options to invest the idle cash or earn any interest on it. Schwab is one such example that requires the user to purchase money market mutual funds or other products to invest the idle cash. Etrade and Ameritrade also do the same but Etrade does have a savings account now.\nVanguard and Fidelity have options to auto invest the uninvested cash in a money market account.\nChase Freedom Unlimited https://www.referyourchasecard.com/18o/BJ3PZ37ONA Earn $200 cash back with Chase Freedom Unlimited or Chase Freedom Flex credit card.\n","permalink":"https://techfinology.us/your-brokerage-sweep-settlement-cash-management-options-suck-mine-do-too-6-brokerages-fidelity/","summary":"\u003cp\u003eI looked at Schwab, Fidelity, eTrade, Vanguard, TD Ameritrade and Robinhood to compare the options available for uninvested cash. Some offer no automatic options to invest the idle cash or earn any interest on it. Schwab is one such example that requires the user to purchase money market mutual funds or other products to invest the idle cash. Etrade and Ameritrade also do the same but Etrade does have a savings account now.\u003c/p\u003e","title":"Your brokerage sweep settlement cash management options suck \u0026 mine do too 6 brokerages Fidelity +"},{"content":"Etrade stock brokerage now allows automatic dollar cost average investing for ETFs. Learn how to auto invest ETFs with Etrade Auto Invest and do dollar cost averaging.\nIt is free and over 100 ETFs are supported at time of this writing. Try this on Fidelity, Schwab and Vanguard and all you can do is mutual funds. Etrade allows for mutual funds and ETF auto investing. This a great way to do dollar cost averaging and long term investing plans. Etrade supports fractional shares with Etrade automatic investing.\nOut of the big, old time brokerages Etrade is the only one that offers this feature.\nThere are newer ones and startups like Robinhood, Sofi Invest and M1 Finance that all offer this feature.\n","permalink":"https://techfinology.us/etrade-best-stock-brokerage-automatic-recurring-investing-weekly-etf-auto-invest-fractional/","summary":"\u003cp\u003eEtrade stock brokerage now allows automatic dollar cost average investing for ETFs. Learn how to auto invest ETFs with Etrade Auto Invest and do dollar cost averaging.\u003c/p\u003e\n\u003cp\u003eIt is free and over 100 ETFs are supported at time of this writing. Try this on Fidelity, Schwab and Vanguard and all you can do is mutual funds. Etrade allows for mutual funds and ETF auto investing. This a great way to do dollar cost averaging and long term investing plans. Etrade supports fractional shares with Etrade automatic investing.\u003c/p\u003e","title":"Etrade best stock brokerage Automatic recurring investing weekly ETF auto invest, fractional"},{"content":"I compare Sofi Invest to M1 Finance to see which auto invest robo advisor product works best.\nBoth can do auto investing with stocks and ETFs. Sofi can do limit order while M1 Finance cannot.\nM1 has a very nice modern interface. Sofi has nice capabilities and supports limit orders which is nice but the layout does seem cluttered and requires lots of excess scrolling.\nThere is also lots of ads or promotion blocks that get in the way.\nThere are now four brokers that allow automatic, recurring investing in ETFs (3 of them also do stocks):\netrade\nm1finance\nrobinhood\nsofi invest\nThere may be other brokerages that offer this but they are not free.\n","permalink":"https://techfinology.us/sofi-vs-m1-finance-which-broker-is-best/","summary":"\u003cp\u003eI compare Sofi Invest to M1 Finance to see which auto invest robo advisor product works best.\u003c/p\u003e\n\u003cp\u003eBoth can do auto investing with stocks and ETFs. Sofi can do limit order while M1 Finance cannot.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/1eepSCgXtu8?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eM1 has a very nice modern interface. Sofi has nice capabilities and supports limit orders which is nice but the layout does seem cluttered and requires lots of excess scrolling.\u003c/p\u003e","title":"Sofi VS M1 Finance Which Broker is Best?"},{"content":"I compared the fees and interface between Schwab, Fidelity and Vanguard. Which one is the best? Vanguard has some of the lowest fees when you factor in hidden fees such as pay for order flow however the interface leaves a lot to be desired.\n","permalink":"https://techfinology.us/vanguard-vs-schwab-vs-fidelity-compared-which-online-stock-broker-is-best-interfaces-compared/","summary":"\u003cp\u003eI compared the fees and interface between Schwab, Fidelity and Vanguard. Which one is the best? Vanguard has some of the lowest fees when you factor in hidden fees such as pay for order flow however the interface leaves a lot to be desired.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/FRD0z52rmfk?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e","title":"Vanguard vs Schwab vs Fidelity compared. Which online stock broker is best? Interfaces compared"},{"content":"I compare high dividend yield ETFs to find the best one. Which one has had the best performance over time. Which one has the lowest fees? Will Schwab or Vanguard win?\nSchwab SCHD has had some very impressive performance that exceeds Vanguard\u0026rsquo;s performance. The asset allocation for Vanguard seems to be too excessive when compared to Schwab. Vanguard is more like the total stock market whereas Schwab SCHD is more like QQQ in that it has fewer holdings.\nWhat is great about the SCHD is that it holds just 104 stocks and they are fairly evenly distributed with percentages of around 4.1% or less for each stock in the portfolio as compared to VPU which has only 65 stocks but has 14.1% in one stock or VYM which has over 400 stocks in the portfolio.\nDiscover is offering a $50 signup bonus with the first purchase for the Discover IT credit card. You will get 5% cash back categories every quarter and Discover doubles that at the end of the year. Its a very easy signup a great all around credit card. https://refer.discover.com/s/cfcnxj\n","permalink":"https://techfinology.us/best-high-dividend-yield-etf-schd-or-vym-vpu-vig/","summary":"\u003cp\u003eI compare high dividend yield ETFs to find the best one. Which one has had the best performance over time. Which one has the lowest fees? Will Schwab or Vanguard win?\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/OpasyfhP2cM?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eSchwab SCHD has had some very impressive performance that exceeds Vanguard\u0026rsquo;s performance. The asset allocation for Vanguard seems to be too excessive when compared to Schwab. Vanguard is more like the total stock market whereas Schwab SCHD is more like QQQ in that it has fewer holdings.\u003c/p\u003e","title":"Best high dividend yield ETF SCHD or  VYM VPU VIG"},{"content":"I look at something that is quite rare called business development companies. These companies pay an extremely high yield but are taxed as ordinary income not making them attractive for taxable accounts.\nMany of these often pay out so much that the value of the company declines over time. Would you invest in these or junk bonds?\nBusiness Development Companies have a pretty spotty track record. Unlike S\u0026amp;P 500 or index stocks that all have done fairly well over time, many BDCs have done poorly while some have done well so this isn\u0026rsquo;t like throwing darts at a board and coming out OK.\nCOMPANY SYMBOL TOTAL NET ASSETS\nAres Capital Corp. ARCC 20.39%\nFS KKR Capital Corp. FSK 13.26%\nOwl Rock Capital Corp. ORCC 11.13%\nMain Street Capital Corp. MAIN 4.70%\nGolub Capital BDC Inc. GBDC 4.57%\nProspect Capital Corp. PSEC 4.55%\nHercules Capital Inc. HTGC 4.50%\nBlackstone Secured Lending Fund BXSL 4.46%\nSixth Street Specialty Lending Inc. TSLX 3.77%\nGoldman Sachs BDC Inc. GSBD 3.47%\n","permalink":"https://techfinology.us/ultra-high-rate-10-87-bizd-should-you-add-bizd-to-your-passive-income-portfolio/","summary":"\u003cp\u003eI look at something that is quite rare called business development companies. These companies pay an extremely high yield but are taxed as ordinary income not making them attractive for taxable accounts.\u003c/p\u003e\n\u003cp\u003eMany of these often pay out so much that the value of the company declines over time. Would you invest in these or junk bonds?\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/BPiuQLngXlk?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eBusiness Development Companies have a pretty spotty track record. Unlike S\u0026amp;P 500 or index stocks that all have done fairly well over time, many BDCs have done poorly while some have done well so this isn\u0026rsquo;t like throwing darts at a board and coming out OK.\u003c/p\u003e","title":"Ultra High Rate 10.87% BIZD. Should you add BIZD to your passive income portfolio?"},{"content":"Why buy covered calls if someone else will do the work for you? This is the benefit of covered call ETFs. I look at 15 covered call ETFs. Some of them only do a small percentage of covered calls while others do a larger percentage.\nSome use something called swap agreements that are purchased from other financial institutions. JEPI is one that does this. Some have questioned this because there is not much transparency regarding this.\nDIVO has performed well without the use of swaps which is nice. It has a higher expense ratio but had earned it.\nThe other ETFs don\u0026rsquo;t perform nearly as well as JEPI or DIVO so it is really between these two.\n","permalink":"https://techfinology.us/covered-call-etf-shootout-divo-jepi-ryld-kng-jepq-nusi/","summary":"\u003cp\u003eWhy buy covered calls if someone else will do the work for you? This is the benefit of covered call ETFs. I look at 15 covered call ETFs. Some of them only do a small percentage of covered calls while others do a larger percentage.\u003c/p\u003e\n\u003cp\u003eSome use something called swap agreements that are purchased from other financial institutions. JEPI is one that does this. Some have questioned this because there is not much transparency regarding this.\u003c/p\u003e","title":"Covered Call ETF Shootout.  DIVO, JEPI, RYLD, KNG, JEPQ, NUSI, +"},{"content":"Which US Government money market ETF is best? I look at TFLO, SGOV and USFR. They all offer the safety of US Treasuries but with added flexibility of being able to buy and sell like a stock all for a very small fee.\nIt seems like it is a toss-up between TFLO and USFR but I would say that I do prefer USFR after looking at the interest payments. The interest payments for USFR are much more uniform. TFLO has had some payments that are larger than others.\nWisdomTree USFR is also the larger of the two ETFs also.\n","permalink":"https://techfinology.us/best-government-money-market-accounts-ultra-short-term-etfs-tflo-sgov-usfr/","summary":"\u003cp\u003eWhich US Government money market ETF is best? I look at TFLO, SGOV and USFR. They all offer the safety of US Treasuries but with added flexibility of being able to buy and sell like a stock all for a very small fee.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/JsU8DMcglGQ?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eIt seems like it is a toss-up between TFLO and USFR but I would say that I do prefer USFR after looking at the interest payments. The interest payments for USFR are much more uniform. TFLO has had some payments that are larger than others.\u003c/p\u003e","title":"Best Government Money Market Accounts Ultra Short-term ETFs TFLO, SGOV, USFR"},{"content":"Which floating rate interest rate ETF is best. I compared various floating rate treasury and corporate debt ETFs. At the time of the video some of them are paying 5.44% APY. Is corporate debt worth the risk or should you stick with US treasury ETFs?\nFor me, I prefer US treasury ETFs at this point in time. If floating rate corporate debt was paying several percentage points higher then perhaps I would be willing to take the extra risk but heading towards a recession in a rising interest rate environment doesn\u0026rsquo;t seem like it is worth the risk for a small APY boost over treasuries.\n","permalink":"https://techfinology.us/floating-rate-money-market-fund-etfs-flot-flrn-fltr-vrig/","summary":"\u003cp\u003eWhich floating rate interest rate ETF is best. I compared various floating rate treasury and corporate debt ETFs. At the time of the video some of them are paying 5.44% APY. Is corporate debt worth the risk or should you stick with US treasury ETFs?\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/LuUnvvR4S-w?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eFor me, I prefer US treasury ETFs at this point in time. If floating rate corporate debt was paying several percentage points higher then perhaps I would be willing to take the extra risk but heading towards a recession in a rising interest rate environment doesn\u0026rsquo;t seem like it is worth the risk for a small APY boost over treasuries.\u003c/p\u003e","title":"Floating Rate  money market fund ETFs FLOT, FLRN, FLTR, VRIG"},{"content":"I looked at 28 of the highest yield online savings accounts and review each for fees and restrictions. Which account is the best out of all of these?\nFidelity, Baskbank, Redneck bank, Salemfivedirect, UFBdirect, DCU credit union, Valley bank direct, First foundation bank, CIT bank, Wealthfront, Lendingclub, BMO, Sallie Mae, Ally, Synchrony bank, AMEX savings, Varo are all compared.\nSavebetter, now called Raisin offers some of the highest rates. If you signup with any of their high-yield products using my code you get not only the high rate but $25 on top of that for $5000+.\nhttps://savebetter.com/referral-program?utm_source=twitter\u0026amp;utm_medium=referral\u0026amp;utm_campaign=raf-bonus\nenter code: kevinp29235 in the referral code area.\n","permalink":"https://techfinology.us/28-best-high-yield-savings-accounts-april-2023/","summary":"\u003cp\u003eI looked at 28 of the highest yield online savings accounts and review each for fees and restrictions. Which account is the best out of all of these?\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/tKMEQBjLvaY?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eFidelity, Baskbank, Redneck bank, Salemfivedirect, UFBdirect, DCU credit union, Valley bank direct, First foundation bank, CIT bank, Wealthfront, Lendingclub, BMO, Sallie Mae, Ally, Synchrony bank, AMEX savings, Varo are all compared.\u003c/p\u003e","title":"28 Best High Yield Savings Accounts April 2023"},{"content":"I used ChatGPT along with GUI based trading platform service Composer to find some stock picks and to edit the trading script for Composer.\nChatGPT made some errors with the script but with some playing around with ChatGPT it fixed the issues.\nThe great thing about ChatGPT is stocks can be quickly selected for a variety of different things such as founders in place, market cap and companies in the S\u0026amp;P 500.\nComposer is a trading system that is GUI based and easy to use but it isn\u0026rsquo;t like a typical day trading system that trades all day long. Composer trades once a day, typically around an hour before trading closes.\nIt can re-balance the portfolio or but new stocks when the price threshold is reached.\nSignup to Composer Pro using my referral code, fund the account with $50+ and make one trade and get $50. https://www.composer.trade/\nReferral code is:\nlIMrRBU-TRADE\n","permalink":"https://techfinology.us/chatgpt-picked-stocks-for-me-how-well-did-chatgpts-picks-do/","summary":"\u003cp\u003eI used ChatGPT along with GUI based trading platform service Composer to find some stock picks and to edit the trading script for Composer.\u003c/p\u003e\n\u003cp\u003eChatGPT made some errors with the script but with some playing around with ChatGPT it fixed the issues.\u003c/p\u003e\n\u003cp\u003eThe great thing about ChatGPT is stocks can be quickly selected for a variety of different things such as founders in place, market cap and companies in the S\u0026amp;P 500.\u003c/p\u003e","title":"ChatGPT Picked Stocks for me. How Well Did ChatGPT's picks do?"},{"content":"I looked for the best high yield, tax-exempt money market accounts and the best tax-free ETFs. I selected statewide funds and ETFs not state specific ones so if you are in California or NY you may want to look for alternatives.\nThe tax efficiency of all of these investment options varies. Some have very small amounts of taxable income but most are pretty tax free.\n","permalink":"https://techfinology.us/best-tax-exempt-etfs-and-money-market-funds-2023/","summary":"\u003cp\u003eI looked for the best high yield, tax-exempt money market accounts and the best tax-free ETFs. I selected statewide funds and ETFs not state specific ones so if you are in California or NY you may want to look for alternatives.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/c1Aykt3GUjs?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eThe tax efficiency of all of these investment options varies. Some have very small amounts of taxable income but most are pretty tax free.\u003c/p\u003e","title":"Best Tax-Exempt ETF's and money market funds 2023"},{"content":"I compared equal weight S\u0026amp;P 500 funds that invest in each of the 500 stocks equally instead of the asset weights regular S\u0026amp;P 500. I compared the performance of the equal weight S\u0026amp;P 500 to regular S\u0026amp;P 500 as well as the new ESG S\u0026amp;P 500.\nWhich one had the best performance?\nI compared Vanguard VOO S\u0026amp;P 500 to an iShares ESG S\u0026amp;P 500 and an equal weight Invesco S\u0026amp;P 500 fund.\nThe equal weight Invesco fund had the highest fees while the Vanguard VOO had the lowest fees.\n","permalink":"https://techfinology.us/different-sp-500-types-compared-esg-equal-weight-or-regular-sp-500/","summary":"\u003cp\u003eI compared equal weight S\u0026amp;P 500 funds that invest in each of the 500 stocks equally instead of the asset weights regular S\u0026amp;P 500. I compared the performance of the equal weight S\u0026amp;P 500 to regular S\u0026amp;P 500 as well as the new ESG S\u0026amp;P 500.\u003c/p\u003e\n\u003cp\u003eWhich one had the best performance?\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/w0r8weTIAFA?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eI compared Vanguard VOO S\u0026amp;P 500 to an iShares ESG S\u0026amp;P 500 and an equal weight Invesco S\u0026amp;P 500 fund.\u003c/p\u003e","title":"Different S\u0026P 500 types compared (ESG, Equal Weight or regular S\u0026P 500)"},{"content":"Imagine 10 stocks having a greater return with very little difference in volatility or downside risk. Well, that is what I have found. The large mega-caps like Apple, Microsoft, and Alphabet have outperformed the S\u0026amp;P 500 for most of the years I looked at.\nDiversification is supposed to reduce risk but more recently 10 stocks is all that is needed and the risk is about the same as the S\u0026amp;P 500.\nWill this trend continue in the future?\nI tested selecting the top S\u0026amp;P 500 stocks in the past and simply holding them to the present. That way we don\u0026rsquo;t have the advantage of hindsight.\nWatch the video to see the results.\n","permalink":"https://techfinology.us/10-stocks-vs-the-sp-500-which-strategy-wins/","summary":"\u003cp\u003eImagine 10 stocks having a greater return with very little difference in volatility or downside risk. Well, that is what I have found. The large mega-caps like Apple, Microsoft, and Alphabet have outperformed the S\u0026amp;P 500 for most of the years I looked at.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/xy53HOYYXGo?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eDiversification is supposed to reduce risk but more recently 10 stocks is all that is needed and the risk is about the same as the S\u0026amp;P 500.\u003c/p\u003e","title":"10 Stocks VS the S\u0026P 500. Which strategy wins?"},{"content":"Banks used to lock accounts temporarily for a brief period of time when a user attempted to login too many times unsuccessfully. This timeout was usually temporary and would resolve itself with time. In some cases the user could call in and verify some information to unlock the account, all usually done within 5 minutes.\nNow, however, some banks and fintechs are pushing this to a new level. Instead of a 5 minute fix some companies such as Chime are locking down the account for 30 days or more for simply entering in the wrong password. Some users have had accounts locked for 90 days or more. One woman in Atlanta had the account locked for 10 months.\nThe reason for this I believe is a result of their being very little government oversight regarding what is the proper procedure for locking accounts. The government lets companies decide on their own what the best practice is and for how long to lock accounts.\nThis plus the fact that filing a complaint with a fintech takes twice as much work because there are two companies to deal with the fintech and the FDIC bank they work with. So in the end the customer has to do double the amount of complaints.\nAnother thing that is especially important right now is that the federal funds rate or interest rate is very high. Banks can buy treasuries and get a 5%+ return or loan out the money at a high rate.\nFintechs such as Chime don\u0026rsquo;t pay any interest on their checking account so can freeze the account and then get a high return on the frozen customer funds without having to pay the customer.\nA trap that some of the companies are using is to have two accounts such as a checking account that pays zero as well as a savings account. Transfers in and out go into the checking which pays zero. So if the checking account has a large transfer going in or money that is ready to go out an incentive exists to lock the account down.\nSome of these fintechs such as Current bank have a built in trap to lower the rate. The rate boost is dependent on direct deposit. As soon as the direct deposits stop, then the rate drops.\nSo, for example if the account is frozen, perhaps the direct deposits will stop or the customer will cancel the direct deposit since he/she no longer has access to the bank account. In such a case, the bank will be able to use all funds in the account at a much lower rate then such as .25% with Current vs 4.00% APY with the direct deposit.\nThe reason for locking the account could be almost anything and the company is free not to tell the end users the reason for locking the accounts.\nWatch the video to find the best way to reduce the bank freezing risk.\nVaro Bank $35 no direct deposit required. Simply signup, deposit $20+ and spend $20 on your debit card. Reward of $35 posted on next day for mine and can take out right away. https://shorturl.at/dFIT3\n","permalink":"https://techfinology.us/why-banks-are-freezing-accounts-i-found-one-of-the-answers/","summary":"\u003cp\u003eBanks used to lock accounts temporarily for a brief period of time when a user attempted to login too many times unsuccessfully. This timeout was usually temporary and would resolve itself with time. In some cases the user could call in and verify some information to unlock the account, all usually done within 5 minutes.\u003c/p\u003e\n\u003cp\u003eNow, however, some banks and fintechs are pushing this to a new level. Instead of a 5 minute fix some companies such as Chime are locking down the account for 30 days or more for simply entering in the wrong password. Some users have had accounts locked for 90 days or more. One woman in Atlanta had the account locked for 10 months.\u003c/p\u003e","title":"Why Banks are Freezing Accounts. I found one of the answers."},{"content":"Want to make extra income without working a part-time job and without having any creativity? I found some really easy ways to make extra hundreds to thousands per year without requiring much time or much money.\nSome people that are signing up with credit cards and bank accounts are making upwards to $10K per year in extra income.\nMost people are likely a few clicks away from getting $5-100 from money that is owed to them from companies typically after moving.\nSignup for class action lawsuits to make even more money. New class action lawsuits come out all the time for companies such as Meta and Google. Even everyday products such as chicken, pork and auto parts have had recent settlements.\nChecking these lawsuits every so often and joining the ones you qualify for will bring extra income without much work.\nEarn $200 cash back with Chase Freedom Unlimited or Chase Freedom Flex credit card. I can be rewarded, learn more.\nhttps://www.referyourchasecard.com/18r/VU7B6LJHZG\nhttps://capital.one/3Z2leid Savor One $200 on $500\nhttps://capital.one/3LWUug2 Quicksilver $200 on $500\n","permalink":"https://techfinology.us/4-passive-income-ideas-that-require-no-creativity-or-skills/","summary":"\u003cp\u003eWant to make extra income without working a part-time job and without having any creativity? I found some really easy ways to make extra hundreds to thousands per year without requiring much time or much money.\u003c/p\u003e\n\u003cp\u003eSome people that are signing up with credit cards and bank accounts are making upwards to $10K per year in extra income.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/FGru1obI7iM?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eMost people are likely a few clicks away from getting $5-100 from money that is owed to them from companies typically after moving.\u003c/p\u003e","title":"4 Passive Income Ideas that require no creativity or skills"},{"content":"Referral links to a variety of financial products are below. Please feel free to signup. Youtube reviews are shown to the right. Please check the terms for expiration date. Some links may not link to promo page but general signup page so I provided terms to the right in those cases.\nCredit Cards Discover IT $50 https://refer.discover.com/s/cfcnxj (make a single purchase. 10% categories first year). Capital One Savor One $200 https://capital.one/3Z2leid (spend $1000 in 3 months)\nCapital One Quicksilver $200 https://capital.one/3LWUug2 (spend $1000 in 3 months)\nChase Freedom Unlimited, Chase Freedom Flex $200 https://www.referyourchasecard.com/18j/VU7B6LJHZG ($1000 spend / 3 months)\nAMEX (multiple cards, varies) https://americanexpress.com/en-us/referral/KEVINPMNhS?xl=cp01\nDigital Credit Union $20 https://refer.dcu.org/dcu/oard/dfault.aspx?referrer=83nt-ph5r ($500 DD or other activities)\nRaisin ($25-125) Signup to any high yield savings account, money market, CD with $5000-$105,000 using code kevinp29235 and keep the money there for 90days. t\nBanks \u0026amp; Savings Accounts Varo Bank $35 Signup and spend $20 on debit card within 30days. $35 credited next day. Brokerages M1 Finance $100 https://m1.finance/VVMTRKgBSuMt Fund account with $5000+ within 30days. t Public ($1-$300 random stock) Signup with at least $20 t Robinhood ($5-$200 random stock) Open an account. https://join.robinhood.com/kevinp5642\nComposer.trade $50 Signup and live trade for 14 days. Use code QvKgdur-TRADE when joining. ","permalink":"https://techfinology.us/links/","summary":"\u003cp\u003eReferral links to a variety of financial products are below. Please feel free to signup. Youtube reviews are shown to the right. Please check the terms for expiration date. Some links may not link to promo page but general signup page so I provided terms to the right in those cases.\u003c/p\u003e\n\u003ch4 id=\"credit-cards\"\u003e\u003cstrong\u003eCredit Cards\u003c/strong\u003e\u003c/h4\u003e\n\u003cp\u003e\u003cstrong\u003eDiscover IT\u003c/strong\u003e $50 \u003ca href=\"https://refer.discover.com/s/cfcnxj\"\u003ehttps://refer.discover.com/s/cfcnxj\u003c/a\u003e (make a single purchase. 10% categories first year). \u003ca href=\"https://www.youtube.com/watch?v=EHkMCOdzXpc\u0026amp;t=161s\"\u003e\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eCapital One Savor One\u003c/strong\u003e $200 \u003ca href=\"https://capital.one/3Z2leid\"\u003ehttps://capital.one/3Z2leid\u003c/a\u003e (spend $1000 in 3 months)\u003c/p\u003e","title":"Links"},{"content":"Can a Money Market Fund work as a bank account? I compared Vanguard, Fidelity and Schwab to see which one may work as a regular bank account. Can Vanguard checkwriting on the Vanguard Federal Money Market Fund be used for bill pay? I look at this topic.\nI compared eleven online high yield savings accounts paying 4.75% APY to 5.15% APY. Wealthfront, Marcus, Vio Bank, ValleyDirect, Redneck Bank, Evergreen Bank, Laurel Road, UFB Direct, Fidelity and Bask Bank.\nAll of these accounts are FDIC insured while the fidelity investment accounts are insured by the SIPC.\nFidelity is the only brokerage account that offers a high enough of an interest rate and enough features in order to compete with high yield online savings accounts. Schwab and Vanguard simply either don\u0026rsquo;t pay enough interest or have enough features.\nHigh yield savings accounts still manage to beat Fidelity with a higher interest rate as well as FDIC insurance which is in my opinion far superior to the SIPC insurance offered by Fidelity brokerage accounts.\nSo in the end high yield savings accounts still win, however for those who use Fidelity for lots of investing it may still be a wonderful option.\n","permalink":"https://techfinology.us/fidelity-money-market-vs-savings-accounts/","summary":"Can Fidelity Money Market account beat online high yield savings accounts?  I compare Vanguard, Fidelity and Schwab to online savings accounts to see which one is best.","title":"Fidelity Money Market vs Savings Accounts"},{"content":"Have a question, suggestion, or feedback? Fill out the form below and I will get back to you as soon as possible.\nName * Email * Comment or Message * Send Message\n✓ Thank you! Your message has been sent successfully. ","permalink":"https://techfinology.us/contact/","summary":"Get in touch with Techfinology","title":"Contact"},{"content":"Welcome to my website. I created this page to cover more complex topics and topics that are more easily represented in written form.\nI have an interest in finance and investment related topics. I have a Youtube channel https://www.youtube.com/@techfinology\n","permalink":"https://techfinology.us/about/","summary":"\u003cp\u003eWelcome to my website. I created this page to cover more complex topics and topics that are more easily represented in written form.\u003c/p\u003e\n\u003cp\u003eI have an interest in finance and investment related topics. I have a Youtube channel \u003ca href=\"https://www.youtube.com/@techfinology\"\u003ehttps://www.youtube.com/@techfinology\u003c/a\u003e\u003c/p\u003e","title":"About"},{"content":"Who we are Suggested text: Our website address is: https://techfinology.us\nComments Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.\nAn anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.\nMedia Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.\nCookies Suggested text: If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.\nIf you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.\nWhen you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select \u0026ldquo;Remember Me\u0026rdquo;, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.\nIf you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.\nEmbedded content from other websites Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.\nThese websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.\nWho we share your data with Suggested text: If you request a password reset, your IP address will be included in the reset email.\nHow long we retain your data Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.\nFor users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.\nWhat rights you have over your data Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.\nWhere your data is sent Suggested text: Visitor comments may be checked through an automated spam detection service.\n","permalink":"https://techfinology.us/privacy-policy/","summary":"\u003ch2 id=\"who-we-are\"\u003eWho we are\u003c/h2\u003e\n\u003cp\u003e\u003cstrong\u003eSuggested text:\u003c/strong\u003e Our website address is: \u003ca href=\"https://techfinology.us\"\u003ehttps://techfinology.us\u003c/a\u003e\u003c/p\u003e\n\u003ch2 id=\"comments\"\u003eComments\u003c/h2\u003e\n\u003cp\u003e\u003cstrong\u003eSuggested text:\u003c/strong\u003e When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.\u003c/p\u003e\n\u003cp\u003eAn anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: \u003ca href=\"https://automattic.com/privacy/\"\u003ehttps://automattic.com/privacy/\u003c/a\u003e. After approval of your comment, your profile picture is visible to the public in the context of your comment.\u003c/p\u003e","title":"Privacy"},{"content":"I was recently scammed by Chime bank shortly before my first $20 deposit went through. After getting one of the text codes wrong Chime locked me out of the account. They then asked for an image of the front and back of my drivers license in order for them to reactivate the account. This is where the scam starts.\nNow that they have a reasonable excuse to have locked the account, why not just keep the account locked indefinitely and keep the money? I believe this is what they are doing.\nThey asked for the front and back images of my drivers license which I sent. They then stated they needed a utility bill which I also sent. Then they follow up that they need another photo of the drivers license with a different colored background. I complied and did all of these things with perfectly clear and easy to read images.\nThey then follow up over and over asking for the same thing with a different background. If you ask them what is the specific issue with the image, they fail to respond but just respond with the same canned response and hope that the user gives up and they get to keep the money or hold it as long as possible.\nI got a certified letter recently from the FDIC holding bank, Stride Bank with basically the same message asking for the front and back of the drivers license on a different background.\nStride Bank spent $8.10 on this certified letter only to tell me the same thing. What is funny is that the inside of the envelop has \u0026ldquo;FDIC\u0026rdquo; patterns on the envelope to make the scam seem more official\nThe letter shows that it was sent from the Vice President of Enterprise Risk and the name is a very scammy name. The name looks like \u0026ldquo;Wallet Shaker\u0026rdquo; which is up there with Bernie Madoff (Made Off). The name is only signed, not printed out so I have no idea what the exact name is.\nSo the goal, in my opinion, is to get me to keep goofing around with Chime sending images over and over and them failing to accept. I am not going to fall for this. I am going to ask for full refund and will not fall for the verification scam or work with them in any such way.\nSo I guess the next step is to do a follow up complaint with the Office of the Currency Controller again and ask for a full refund for my deposited amount which I already did or wait for my CFPB (Consumer Financial Protection Bureau) complaint with Chime to be responded too which it has not been.\n","permalink":"https://techfinology.us/scammed-by-chime-bank-update/","summary":"\u003cp\u003eI was recently scammed by Chime bank shortly before my first $20 deposit went through. After getting one of the text codes wrong Chime locked me out of the account. They then asked for an image of the front and back of my drivers license in order for them to reactivate the account. This is where the scam starts.\u003c/p\u003e\n\u003cdiv style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"\u003e\n\t\t\t\u003ciframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share; fullscreen\" loading=\"eager\" referrerpolicy=\"strict-origin-when-cross-origin\" src=\"https://www.youtube.com/embed/L_dDWX8GvJE?autoplay=0\u0026amp;controls=1\u0026amp;end=0\u0026amp;loop=0\u0026amp;mute=0\u0026amp;start=0\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border:0;\" title=\"YouTube video\"\u003e\u003c/iframe\u003e\n\t\t\u003c/div\u003e\n\n\u003cp\u003eNow that they have a reasonable excuse to have locked the account, why not just keep the account locked indefinitely and keep the money? I believe this is what they are doing.\u003c/p\u003e","title":"Scammed by Chime update"},{"content":"I compared numerous financial institutions such as banks, online fintech banks and financial conglomerates and compared the total number of BBB complaint over a three year period to the total assets of the bank. Those that have a higher number of complaints per asset dollar are likely to be more problematic for end users. Those with a lower number of complaints per asset dollar are likely to be less problematic for customers.\nOne thing I noticed is that student loan companies and credit card companies have a higher complaint percentage. Another thing I noticed is that most fintech banking startups have a higher complaint ratio than even credit card companies and student loan companies. They have the highest complaint ratios with a few exceptions.\n📊 Top Banks by Better Business Bureau Complaints vs Assets 💡 Tip: Scroll or drag horizontally to view all columns Open in new tab ↗ ","permalink":"https://techfinology.us/top-banks-by-better-business-bureau-ranking/","summary":"\u003cp\u003eI compared numerous financial institutions such as banks, online fintech banks and financial conglomerates and compared the total number of BBB complaint over a three year period to the total assets of the bank. Those that have a higher number of complaints per asset dollar are likely to be more problematic for end users. Those with a lower number of complaints per asset dollar are likely to be less problematic for customers.\u003c/p\u003e","title":"Top Banks by Better Business Bureau Ranking"}]