A 100 year Certificate of Deposit is being offered by a mutual bank in New Hampshire. Between $1,000 and $150,000 can be invested.
https://finance.yahoo.com/news/100-cd-brings-meaning-concept-192127054.html

In theory, you could add some money and subsequently pull it out as an "excess contribution". I would not suggest that without a lot more research. The IRS frowns on maneuvers done to circumvent rules. And even if you could do this, you'd need to check the exact mechanics and timing. Also, it could trigger a requirement that you file an 8606 form every year because you'll have added a non-deductible contribution. (Though pulling the money out might save you.)
Bottom line: you might be able to make a temporary contribution, but the complexities and risk don't seem to make it worthwhile to earn a couple extra pennies interest.
Since you have posted the size of the account ($11K), I can now illustrate how disclosing just a little information may reveal more than intended. People should be careful about posting any dollar amounts. (Percentages are usually okay since they don't say anything about the size of accounts.)
Schwab's cash account (or bank sweep) pays 0.45% APY Assuming daily compounding and a 365 day calendar, that's 0.00123%/day.
An account of $10,568 would earn 13¢ in a day at this rate. An account less than $11,381 would earn less than 14¢. So without being told that the account size was $11K, we already knew that the IRA cash transferred in amounted to between $10,568 and $11,381.

@Crash

But there's a wall around wifey's Trad IRA.

What does this mean?

Hello, @catch22.
There are a few angles going on. Neither of us has any earned income. Not officially, I mean. I don't think we are even eligible to put anything more into either of our Trad. IRAs. Years ago, you were recommending that we convert to Roths. We didn't, and it's worked out better for us.
So... It's too early to withdraw anything from wifey's IRA without a penalty. She's not 59 and a half, yet. And we can't ADD, either. Neither can we add to my own IRA. No earned income. Which is why we created the taxable trading account.
Here at MFO, we religiously don't speak in terms of raw dollar amounts. That's a good idea. So, in practical terms, we have erected our OWN wall around wifey's IRA, because it's premature to make withdrawals, and also because the whole thing is worth just a hair more than $11k. Kinda useless to be rearranging and "diworsifying," while dealing with only that much money.

With respect to Schwab IRAs why not just transfer a small amount of whatever's there now to a new MMKT account within the IRA? In fact both of our IRAs consist, at the moment, of nothing but MMKT accounts currently paying about 5%. And of course those accounts deal with odd change amounts. Those are generated when the monthly interest is paid, no?

Ostensibly, that's an idea; that would work. Anything we put in either of our IRAs these days would be non-deductible. But you're saying: just create a MMKT fund within that IRA and the spare change could go in there. We'd just have to combine the .13 cents with something big enough ($1, at least) in order for it to become actually useful money. Right?
EDIT TO ADD: By law, are we even able to add to an IRA, if we both have no EARNED income? Even if we were to do it on a non-deductible basis?
*Her IRA is at $11,000.00, and so I'm not seeing much use in diversifying and splitting up only that much.

With respect to Schwab IRAs why not just transfer a small amount of whatever's there now to a new MMKT account within the IRA? In fact both of our IRAs consist, at the moment, of nothing but MMKT accounts currently paying about 5%. And of course those accounts deal with odd change amounts. Those are generated when the monthly interest is paid, no?

An ETF's intraday indicative value (IIV) can be obtained on Yahoo Finance (ticker followed by "-IV")
or on Fidelity's website for current account holders.
I recently attempted to get the IIV for an ETF with over $500mm AUM
and a 30 day average share volume greater than 300,000.
No IIV information was available.
What is the criteria for determining whether intraday indicative values are available for ETFs?

October 2016 - The Next 10 Years Will be Ugly for Your 401 (k) https://www.mutualfundobserver.com/discuss/discussion/comment/81779/#Comment_81779
February 2021 - Waiting for the Last Dance https://www.mutualfundobserver.com/discuss/discussion/comment/137072/#Comment_137072
September 2022 - Pessimism is deepening as bellwether companies warn of worsening economic and business conditions. https://www.mutualfundobserver.com/discuss/discussion/comment/153433/#Comment_153433
October 2022 - WTO Sees Sharp Slowdown in Global Trade, Pointing to Possible Recession, Lower Inflation https://www.mutualfundobserver.com/discuss/discussion/60122/wto-sees-sharp-slowdown-in-global-trade-pointing-to-possible-recession-lower-inflation/p1
June 2022 - NY Fed Sees 80% Probability of Hard Landing https://www.mutualfundobserver.com/discuss/discussion/comment/150603/#Comment_150603
February 2023 - Jeffrey Gundlach says he’s preparing for a recession and it doesn’t matter what you call it— ‘In eit https://www.mutualfundobserver.com/discuss/discussion/60716/jeffrey-gundlach-says-he-s-preparing-for-a-recession-and-it-doesn-t-matter-what-you-call-it-in-eit/p1
March 2023 - Could First Republic’s collapse trigger a recession? https://www.mutualfundobserver.com/discuss/discussion/comment/161473/#Comment_161473
November 2023 - Leuthold: the lights have all turned red, time to lighten up on stocks https://www.mutualfundobserver.com/2023/11/

This supposed clone of Louis Rukeyser’s famed show seems to have forgotten to mention the market’s performance last week, even failing to note that the Dow closed above 40,000 for the first time ever. Rukeyser must be muttering to himself somewhere out there.
My guess is that the entire show was recorded Thursday morning. I confess to listening only to the long segment early in the show with Rick Rieder. Rieder advances a strange (near bizarre) thesis that the Fed could lower inflation by lowering interest rates …
I’ve long thought (as Rieder suggests) that the real heat in the economy is coming from aging seniors - especially boomers - who are spending down assets accumulated over a lifetime of saving and investing. Rieder notes that prices of goods have remained relatively stable compared to prices for services. And that spending by those over 55 for services has far outdistanced that of younger people.
Curious contrast between two heavyweight bond investors. PIMCO’s Dan Ivascyn was featured on a Consuelo Mack interview @bee recently posted. Very quiet and non-opinionated - holding his cards close to the vest. Whereas Blackrock’s Rieder can’t stop talking. Then, toss in former bond giant Bill Gross, who doesn’t like bonds anymore - a real study in personalities.

Will they PERMIT an .87 cent sale of ANYTHING? No.

I can tell you from experience DraftKings allows you to buy and sell positions for as little as 50-cents. So 87-cents might work at Schwab. There are many similarities between online investing and online gaming.

The graphic is set for the 5 days ending May 17, Friday; for the best to worst % returns in select etf categories. One may then also select the one month column to align the one month return best to worst; or for the other listed time frame columns.
ADD an etf performance of your choosing, if you desire.
*** Requested ADD: For the week and YTD
--- MINT = +.13% / +2.43% Pimco Ultra Short Term Enhanced Bonds
--- EWW = +.72% / +1.64% (I Shares, Mexico)
MMKT note: Fidelity core mmkt's yields remain unchanged this week, with core acct's yields at 4.95% (SPAXX) and 4.98% (FDRXX).
NOTE: A slightly lower CPI moved the U.S. equity/bond sectors. The Wednesday report saw solid gains, with some pull back at the weeks end.The broad U.S. equity and bond sectors finished the week with generally positive performance in most sectors through an erratic market week, with 'growth and tech.' again having the edge up. China large cap (FXI etf), had another week of 'performance+', with a +22 YTD; as well as DXJ etf (Japan large cap hedged), which is now +24.1 YTD. * China is pumping large amounts of monies into that economy. Bonds in most sectors ended the total week performance with positive gains. Bond funds ranged from +.13% to a +2%, with the ultra short term being the lowest positive (as expected) and the very long term being the best sectors. See the 'graphic' link at the beginning of this write for details of weekly returns.
NEW: 1 week 'heat map' by sectors. This is an interactive graphic. You may hover the computer pointer over the various blocks to view portions of sectors and/or stocks within those sectors. NOTE: to the left of the graphic, one may change the 1 week performance drop down menu to another time frame. Another example: at the left edge of the graphic, select exchange traded funds and then 1 week or a time period of your choice.
Remain curious,
Catch

Interesting Barron’s story about the Southern California bond ecosystem.
https://www.msn.com/en-us/money/markets/you-ll-never-trade-bonds-in-this-town-again/ar-BB1mzDel

Nice story, very little what to do in bondland.
"Gross, now 80 and as irascible as ever, continues to opine on the market (he dislikes bonds now) and manages a good chunk of money."
Gross lost it years ago.
IMO, finally bonds look better. BND, the most recommended index made 0.2% average annually for 5 years and 1.3% for 10 years

While you cannot push an ACH "transfer" while your account is locked, you can still push electronic payments (eChecks) via BillPay (and also paper checks via BillPay). ACH transfers pulled from outside (direct debit payments, ATM withdrawals) are also unblocked.

Transactions not affected
ɰ5; Deposits or Transfers into your Fidelity accounts
ɰ5; Checkwriting and Direct Debit
ɰ5; Debit card/ATM transactions
ɰ5; Trading
ɰ5; Scheduled Required Minimum Distribution (RMD) or Personal Withdrawal Scheduled Plan
ɰ5; BillPay

https://digital.fidelity.com/ftgw/digital/security/lockdown/info

The Week in Charts (05/17/24)
The most important charts and themes in markets, including...
00:00 Intro
00:23 Topics
00:54 Inflation Isn't Going Away
08:41 Fed Needs to Hold the Line
15:29 Racing Back to New Highs
18:35 Roaring Kitty Returns
27:02 Emerging Signs of a Leadership Change
31:11 The Walmart "Bubble?"
34:22 A Return to Prosperity
Video

Week-end is here. Still no execution on the Buy Limit Order. EPRT. I'm swimming against the current. Methinks I'll cancel the Order and take the cash I've held back to cover the trade, and just put it in SNVXX to earn over 5% for me, until there is a pullback. (Even 2-3 percent lower share price would suit me.) Otherwise, that cash is just dead money, sitting like a lump.

17 May, 2024:
https://www.bloomberg.com/news/videos/2024-05-18/wall-street-week-05-17-2024

17 May, 2024:
https://www.bloomberg.com/news/videos/2024-05-17/bloomberg-real-yield-05-17-2024

I have been paying property taxes with a credit card for years.
In my case, county charges 2.5% fee.

Understood @Low_Tech. To each their own, but again, I have no problem playing Schwab's game. My mind set is those who keep a higher dollar amount in the sweep are playing THEIR game. And if "the game" eeks out an extra $500 or so for me, the game becomes fun and worth doing, to me anyway.
I'll add, where the low interest rate is painful is in their robo accounts. Those portfolios typically put 10 to 12% in the cash sweep. That's how they make their money on the Intelligent Portfolios. Seemed ok when all cash vehicles made close to nothing. But times have changed. I dumped the robo last year, mostly because of that.

I'm retired and keep enough in my SEP cash for monthly RMDs with probably an extra month to spare. Bond interest and divvies come out of the bond and stock funds that I want them to automatically.
I started RMDs in 2022 and I have to hand it to Schwab, they make it very easy and it was something I was fretting over. They tell you in January the amount you will owe for the year down to the penny, and you can have it transferred out in any time frame you want -- I like monthly and you can select any day of the month you want. I have it transferred into my brokerage account automatically, although I could have it moved to my local bank checking account automatically if I wanted.
I could keep the cash in my brokerage account cleaned out and into the MM, and do when it gets high enough, but I never leave it empty.
Now with 5%+ MMs, that has changed a lot of things. I have a lot in the MM where previously I would have had it in some kind of short bond fund.
Ha, the robo accounts? I never got sucked into that for numerous reasons, the main one being that I want total control over my portfolio. When they came out with them I was still in the accumulation stage and I sure didn't want 10%+ of my portfolio sitting in cash.
Oh well, so far so good. :)

Understood @Low_Tech. To each their own, but again, I have no problem playing Schwab's game. My mind set is those who keep a higher dollar amount in the sweep are playing THEIR game. And if "the game" eeks out an extra $500 or so for me, the game becomes fun and worth doing, to me anyway.
I'll add, where the low interest rate is painful is in their robo accounts. Those portfolios typically put 10 to 12% in the cash sweep. That's how they make their money on the Intelligent Portfolios. Seemed ok when all cash vehicles made close to nothing. But times have changed. I dumped the robo last year, mostly because of that.

Thanks, @msf. It is 2 5/8%. You are correct, it is the merchant's characterization that controls. So, as you say I will make some money even without the free interest.
I asked Gemini and it says Santa Clara county treats the CC payment as a purchase and not as a cash withdrawal! If I do not post back, assume it was all good. Thanks.