I got this message upon applying:
Enrollment is closed for now, but we’ll be in touch
We’re sorry you weren’t included in the pilot phase of the Vanguard Cash Plus Account. We’re in the process of adding clients and will let you know as soon as it’s ready for you.

@goldsheet it says by invitation only. I have been Vanguard Flagship for many years and have yet to receive an invitation.

@kimi The movie “Greyhound”

Buying Tbill is a bit better, slightly more than 3% for 11 months when I checked earlier today at Vanguard. Also not subject to state income tax if your state has income tax.

15% and 5% off only gives you 19.25% off. The discounts are not addictive. you pay .85*.95=.8075 of the original price which is the 19.25% off.

Would anyone like a referral to Marcus from me?

@atikovi And, its a bit more effort to change direct deposits to somewhere else so the bank thinks its likely the DD will continue once they have it.

@alanmax Fed will likely raise rates again but methinks it will take some time, perhaps to end of year, for them to get to around 1% or a bit higher. In the meantime, the Marcus CD is earning 1.1% for 10months and it’ll be a good time to look around when it matures.

@frugalpete I need to amend my post. The New York Times reporting today "Medicare, which covers roughly 60 million Americans, will provide free over-the-counter rapid coronavirus tests beginning in the spring, according to the federal government’s Medicare and Medicaid agency.

The policy would “allow Medicare beneficiaries to pick up tests at no cost at the point of sale and without needing to be reimbursed,” the Centers for Medicare and Medicaid Services said on Thursday, adding that it would "be the first time Medicare covered the whole cost of an over-the-counter test.

@dangeruss President Biden ordered insurance companies to reimburse policy holders for up to 8 tests per month (I’m surprised he has that power). Many test kits contain 2 tests, so it would be 4 test kits in that case. Also, take note if this applies to you, Home covid tests are not covered by Medicare and many Medicare Advantage plans.