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There are sites that will help you find better rates. I used gabi.com and it made a huge difference when I got a new car. Source: about 1 year ago
Progressive has the best rates in my area, but be sure to shop around (gabi.com can do this for you). Source: about 2 years ago
You could also try gabi.com to compare rates from multiple companies. Source: about 2 years ago
2) Car insurance: It's hard to get a 100% accurate quote without an address or exact vehicle yet, but I was playing with the options using gabi.com. I haven't had a car or insurance for the past 11 years, so keep in mind that they will ding you for the gap in coverage, but the rates don't seem outrageous to me. Progressive and Travelers turned out to be the cheapest for us, and it was cheaper if my husband was the... Source: about 3 years ago
Right now, bonds are not something I recommend (or use), I use 1. Promo CD (depositaccounts.com), 2. MYGAs (blueprintincome.com), or 3. Ibonds (https://thefinancebuff.com/how-to-buy-i-bonds.html) (mostly ibonds lately). Source: almost 2 years ago
You need to answer the question - when do you want the funds to be accessible to spend (on whatever)? If you've got at least 5 years, you're probably OK to put them into VTI. If you have 2-5 years, you're best off with promo CDs (depositaccounts.com) or MYGA (blueprintincome.com) . If you've got >2yrs, then just put them into a HYSA or promo rate rewards checking accounts. Source: about 2 years ago
Personally I eschew Target Date because I do not want my FI portion in Bonds, I want them in promotional CDs (depositaccounts.com), or MYGAs (blueprintincome.com), so my brokerage just has VTSAX(VTI) and VTIAX(VXUS). If you're at Fidelity I would just use the VG ETFs (VTI+VXUS). If you like the Fidelity Mutual Funds, go ahead and use those, very little difference, I think VG ETFs slightly edge them out, but that's... Source: about 2 years ago
I recommend putting your "bond" portion into promo bank/CU CDs (depositaccounts.com), or into a MYGA (blueprintincome.com), because both are earning more than bonds right now. Source: about 2 years ago
You have other options beyond a HYSA. There are Treasuries, promotional bank CDs (depositaccounts.com), MYGAs (blueprintincome.com). Source: about 2 years ago
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