@WABAC - The other way around. "Musk had redirected about 12,000 Nvidia H100 graphics processing units originally shipped to Tesla (TSLA) to two of his other companies, X and xAI."

Thanks for the help Mark. Much appreciated.

@WABAC - The other way around. "Musk had redirected about 12,000 Nvidia H100 graphics processing units originally shipped to Tesla (TSLA) to two of his other companies, X and xAI."

@davidrmoran - w/o my MacPlus in 1986 which came with a word processor I'd probably still be writing my thesis.

" I did bend a bit and buy a few collectors grade Carson City Morgans maybe 8-10 years ago."
@hank- I'll bet you were listening to @rono on that one. :)

Thanks. As it turns out, I just had a couple of conversations with Schwab today. They let me know about this option; they even referred to it as a loophole.
No way I could come up with that much cash in a taxable account. Whatever taxable cash I have has been gradually depleted over the past 15 years - going to pay taxes on Roth conversions. (The income restriction on conversions was removed in 2010.)

@msf- If you can temporarily pool enough cash to get into SUTXX, once that fund is open you can reduce the holding to well below the $1m. I was advised on that at our local Schwab branch, and that's our situation at the moment, having just taken cash from SUTXX to buy a couple of CDs
Another alternative is SNSXX, which is the same fund, but with a slightly lower interest rate. We're using SNSXX for both of our IRA accounts.

I still shake my head a little when I consider that from 1960 to 1980 every paper, article, editing job, report, proposal, legislation rewrite and all other rewrites, manuals and guides, marcom, specifications and requirements, and all other communication were done or redone on a typewriter and revisions usually meant complete retyping.

I visited Costco last week.
The "greeter" at the entrance held a sign which stated gold bars were in stock.
I was aware Costco started selling gold a while ago but haven't seen it promoted like this previously.
I'm not sure if gold bars were physically available for sale in the store.

I hope Costco polices their parking lots well. $2300 per Troy ounce ain’t chump change. Safety / Security = main reason I have no physical gold. I did bend a bit and buy a few collectors grade Carson City Morgans maybe 8-10 years ago. Stored at a local bank. Have appreciated nicely. A lot of that kind of stuff moves along with the precious metals.

I do not know how much money Schwab makes on their payment for order flows but I can bet Fidelity makes a lot more from me on their MM funds and 12b-1 fees on non-Fidelity funds.
In 2021, 10% of Schwab's total revenue came from PFOF. That was pure profit (Schwab doesn't incur extra expenses for routing to one exchange vs another). That contrasts with revenue from MMFs, where there are management expenses and other overhead that substantially reduce profits below gross revenue.
Regarding Money Market investing, as a supporting component to CD investing, I also don't find fees as a "compelling reason" to select one brokerage versus another.
Again, YMMV. For me, a 34 basis point difference in management fees (FDLXX vs. VUSXX) enough to get me looking outside of Fidelity for treasury MMFs. Unfortunately, I don't have the $1M in taxable cash readily on hand to get into SUTXX. I may stick with a Vanguard Cash Plus account for this reason.

OMG NVIDA TANKED to 120$/share! I called it the other day, I'm an investing *genius*! /sarc
(couldn't resist, folks...) :)

It’s nice that small mom & pop investors will now be able to afford it. :)
WCPGW?

I was reminiscing about STU-3s, CIGs, and PRC-77s with a friend a few weeks ago and stopped midsentence, going "damn, I'm getting old...."
I trained/schooled for intelligence/national security/foreign policy, but was a good geek, and found a career that merged all 3 interests in some interesting and fun ways and thusly turned my hobby into my vocation. Heck, I still chuckle at my old 1989 ASVAB scoresheet from high school which indicated I would never be suited for a 'scientific or technical' career field. Yep, that was an accurate assessment, lol.
I cherish my degrees in the humanities for so, so, so many reasons .. and continue to promote the humanities despite working in a research-heavy R-1 computing/engineering department. :)

You guys are reviving a lot of memories. I didn't have the same military-related background as some, but my fields of study were in chemistry and physics during the late 60s; so I grew up during the computer revolution. My first computer was the very underrated TI-99/4a. I think it cost me something like $100, and my son's first written word was 'run'! Eventually, that led him to a career as a network administrator for a school district. Best $100 I ever spent!

The nature of free/competitive market is that NOTHING stays at top forever. Well, maybe, Fido HSA that has ranked #1 in over a half-dozen years that I have been watching.
Brokerages have their pros and cons. I can say this because I have accounts at 3 brokerages - Schwab, Fido, and (involuntarily) Vanguard.

Absolutely. The focus of this thread was on "Compelling CDs", but it morphed into a discussion about Money Market funds, as a support component associated with CDs, and now it has morphed into an overall discussion about brokerages. If "fees" are a major reason to choose one brokerage over another, then you have to look at all kinds of fees, most notably transaction fees and early redemption fees. Then you can dig into the fees that specific investments charge, in deciding which and what kind of investment, you want to use.
Regarding "Compelling CD" investments, I don't find fees as a "compelling reason" to choose one brokerage versus another. Regarding Money Market investing, as a supporting component to CD investing, I also don't find fees as a "compelling reason" to select one brokerage versus another. However, if you are going to talk about mutual funds and other investing options, then fees start looking a little more important to me, but that is just one of many factors associated with why you select that brokerage.

OMG NVIDA TANKED to 120$/share! I called it the other day, I'm an investing *genius*! /sarc
(couldn't resist, folks...) :)

The card readers that set the crypto codes every 24 hours used a type of IBM paper punch hole card.
Old, old joke:
How was Thomas J Watson buried?
9 edge down.
Etymology of "nine-edge" and "twelve-edge"

The nature of free/competitive market is that NOTHING stays at top forever. Well, maybe, Fido HSA that has ranked #1 in over a half-dozen years that I have been watching.
Brokerages have their pros and cons. I can say this because I have accounts at 3 brokerages - Schwab, Fido, and (involuntarily) Vanguard.

Costco gold bars/biscuits, 1 oz, are in very limited supply. They are gone as soon as the new supply is loaded. Maybe the store signs alert to the current availability.
There used to be a limit of 2 per membership, but in the current order screen, the limit is 5.
What started as a small experiment overwhelmed what the supplier could provide. But things may have improved. But est $2.4 billion/yr in gold sales at Costco is impressive.
https://www.costco.com/1-oz-gold-bar-pamp-suisse-lady-fortuna-veriscan-new-in-assay.product.4000186760.html
https://www.cnbc.com/2024/04/09/costco-selling-up-to-200-million-in-gold-bars-a-month-wells-fargo-estimates.html

@chinfist,
"Every time frame I have looked at (1 month, 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years) RPHIX has outperformed USFR. Expense ratios can be important, but ultimately don’t matter if the returns after the expense ratio are better." [bold added]
Preaching to the choir. I probably pay least attention to ERs than most. But in the context of this thread of stashing cash and cash equivalents, a 1% ER should not be overlooked.
Each subsequent question in my post is in the context of the prior question. Answering the last question independently is inevitably out of context. If RPHIX is currently preferred over USFR, then it should be preferred over MM funds (and any 3 month (or any 1-6 month) Treasury bills) that @Chang owns.
Sorry, I do not have more time to elaborate (and not interested in debating). If you currently like the fund, enjoy it, I am not asking you to sell.
My post was trying to get more color from @chang (whose post was right above my post - I neglected by not directly addressing it to him), as to why he is using RPHIX as a cash equivalent.
There was a time when people were posting about using PIMIX as a cash sub. So, everyone has their own reasons. However, David Sherman was clear RPHIX is not a MM (cash) substitute.

Personally, I would care more about getting access to as many funds as possible than having to pay a transaction fees. I am fine to pay Fidelity's $50+$5 (auto pay). For example, I can not buy QLENX in my Schwab retail account ("institutional customers only" fund) but I can buy it in my Fidelity retail account. If I covert the Schwab account into an advisory account, I will be able to buy QLENX at Schwab but I will have to pay the advisory fees plus additional friction of it being an advisory account. So, QLEIX (Institutional class) being available for a $100K minimum at Schwab is of no use to me as the fees for the advisory account will exceed the difference in ER between QLENX and QLEIX. That is the example I was trying to drive at in my referring to QDSNX unavailability at Schwab in my earlier post.
I end up buying the funds Schwab makes available to "institutional customers only" in my Fidelity account and my Schwab account is more loaded with long term holdings of ETFs, individual stocks, and institutional class of mutual funds. I also use ETFs in place of Schwab MM funds. I do not know how much money Schwab makes on their payment for order flows but I can bet Fidelity makes a lot more from me on their MM funds and 12b-1 fees on non-Fidelity funds.
(Also, Fidelity's requirement of 60 days holding period to avoid their STR fees is a lot better than Schwab's 90 day requirement. So, if Schwab gives me access to QLENX, that is not as attractive as if it gave me access to QLEIX.)
I think it is a terrible business model for Schwab to classify so many funds as "institutional customers only" funds. But if it is working for Schwab and for many of you, who am I to ask for a change. Keep it going.

My high school graduation gift in ‘64 was a Zenith 7-Transistor radio. State of the art. Fit in a shirt pocket. My family coughed up around $40 to buy it for me. That was the going price in 1964.
Yeah. Them vacuum tubes were nasty. Hot. Easy to break.