Matthias Fleckenstein
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CD Withdrawal Penalties: Often More Than Worth the Risk
Banks know you won’t do the math: Even after a penalty for early withdrawal, the longer-term CD often nets out to a better deal

Muni Bond Buyers Pay a Little Extra for the Pleasure of Not Being Taxed
Doing so, they subsidize government, which is, well, sort of like a tax

Banks Rent Out Their Balance Sheets — So Derivatives Cost More
Even before Dodd-Frank rules, the costs were significant

Treasury Securities Are Actually Cheap Sometimes
They don’t trade at an absolute equal to intrinsic value, despite their image as the world’s investment bedrock

Borrowings Suggest Small Company Owners Face Higher Risk
Analysis uses business credit card loans to gauge market perception

Did Bank Capital Rules Make Credit Card Borrowing More Expensive?
Though defaults are low, rates on credit card loan-backed notes are high

A ‘Safer’ Treasury Bond
The government’s floating rate notes feature an added measure of security: higher interest earnings in times of rising rates