I bought one earler as well when the articles came out about the big interest rates. so I have to wait for 2023 and will likely buy another one. I never did see where to set my beneficiary.
I bought one earler as well when the articles came out about the big interest rates. so I have to wait for 2023 and will likely buy another one. I never did see where to set my beneficiary.
I got through at 1am.I was able to load the main page once but can't get past that. A couple of days ago it would load fine but I got busy and didn't sign up. Maybe I'll try early morning to see if it's any better.
I agree, their security methods on the site are rather challenging in how they are implemented. Limiting 2 factor to a single method that is not able to be chosen in case one doesn't have access for some reason to that one method at the time, the password having to be entered via mouse clicks vs typing or being able to have it entered from a password vault (an interesting attempt to avoid keyboard tracker), etc all seem to look to the need to meet a specific requirement on a govt contract in less than usable ways, by the lowest bid provider.I got through at 1am.
And what's up with that stupid password entry system? My 32 random character password was a PITA to enter.
I agree, their security methods on the site are rather challenging in how they are implemented. Limiting 2 factor to a single method that is not able to be chosen in case one doesn't have access for some reason to that one method at the time, the password having to be entered via mouse clicks vs typing or being able to have it entered from a password vault (an interesting attempt to avoid keyboard tracker), etc all seem to look to the need to meet a specific requirement on a govt contract in less than usable ways, by the lowest bid provider.
I've seen those from another site a long time ago (like decades ago I think). Early Multi Factor Auth (something you have along with something you know, etc), I guess.You used to get a code card as well. A grid with randomized numbers and letters, and would have to enter the correct passcode from that card. IE, "What are the letters in boxes A3, C5, D1, D2" and would have to refer to your own card for the answers. I still have mine, but they don't use that authenticatin any longer.
that was what i did.It's a $10k limit per person per year, married couples can get $20k but they do have to be under each individual's name. It doesn't matter how many bonds you buy, just total amount, so unless you bought one $10k bond you can still buy more.
They moved the fixed rate from 0 to .4%And now the rate is 6.89% - almost a three percent drop.
A few things to consider.
They are tied to specific inflation rate indices and those apparently dropped which dropped the overall rate. That said the fixed portion of the rate which was 0% actually went up. Rates on these change each 6 months (May and November)ibond yields took a dive today.
Seems there is still some measure of recognition that lending to an entity that spends without restraint, manipulates currency, and produces nothing save by force may not be the best storehouse.
These ******* would not pass my underwriting for lending them anything of value on their best day.
Enjoy.They are tied to specific inflation rate indices and those apparently dropped which dropped the overall rate. That said the fixed portion of the rate which was 0% actually went up.
I bonds interest rates — TreasuryDirect
www.treasurydirect.gov
And if the rates on these actually were tied to perceived or real risk, as you mention, and the outlook was as you describe that would mean the rate would have gone up rather than down. But again the rates on these are tied to specific inflation numbers.