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canyonwalker
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- 1: An Elegant Dinner at the Resort... with a Side of WTF
- 2: Taking it Easy at the Resort
- 3: Touring the Is Zuddas Caves
- 4: The Rome Cavalieri
- 5: How Much Longer Until I Can Quit These Clowns?
- 6: TBT: My Elementary School Playground
- 7: Another Quiet Weekend at Home. Until Food Poisoning.
- 8: Keeping the Villain Alive in your Role-Playing Game
- 9: Visiting a Friend in SF, Riding the Train
- 10: Better Call Saul 5.06: Kim's Indecent Proposal
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timeasmymeasure
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Date: 2022-11-23 11:04 pm (UTC)I have a T-bill ladder as well. Mine is at Schwab rather than TD, since I can get the same auction price there (no fees), it has a user interface from this century, and it's easier to keep track of them alongside my other assets; it also means I could, in a pinch, easily sell them before they mature. I can't put in the orders until the official auction announcements, though, so it's a little more work setting things up the first time.
I don't get the state tax benefit (because I don't have a state income tax) but I still find them easier than dealing with brokered CDs. (Speaking of taxes, 52-week T-bills are technically not quite a 1 year duration which keeps them in the same tax regime as the shorter-duration bills but practically it's a year.)