Archive for November, 2015


Posted in Uncategorized on 2015/11/24 by rmolby

Source: BLACKHAWK Shemaugh

Investments – CDs

Posted in Uncategorized on 2015/11/20 by rmolby

If anyone is interested in investing with CDs, but you don’t have an investment account, or the amount you can put into a CD is less than $1000 or $500 like many investment funds require, CapitolOne360 offers a nice option.

If you setup a checking account with them, you can open as many small CDs as you want, I have several small CDs of $10-25. As of this writing these CDs only earn .40% for short term (6-18 months), goes to 1% at 24/30 months, 1.6% for 36 months, 1.76% for 48 months, and 2.1% for 60 months.

However, if you let the dividends roll over on maturity, you will be compounding the interest. If you calculate that out, then it turns out the measly .4% combined with the 6 month dividends yields more than the longer term CDs, so I have my money in 6 month CDs staggered  2-4 weeks apart base on being able to buy them on payday.

The other advantage is that the money become available again during the maturity time frame, so every so many weeks I get a CD that is maturing, and if I need a little money that week, I can just tell the CD not to roll over, but to pay out completely.

So, if you want to make a little money, and beat the inflation rate over the longer term, 5-35 years, and you only have small amounts to invest, then look into 6 month CDs at CapitolOne360.

Technology – Google Local Guides

Posted in Blogging, Fun Stuff, Internet with tags , , , , , on 2015/11/16 by rmolby

While at work something caught my eye and I ended up signing up for Google Local Guides, a program that rewards you for helping Google improve their Google Maps information.

I don’t know what yo expect from the program, but ti looks to be quite simple.

Short term, I will update location pictures with either more up-to-date version or more details, but as I gain experience, I will try to provide useful information about the location I am updating, and as I gain experience, I will post about it here.

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