WDWmazprty
Well-Known Member
I know that we're probably going to pay off our Disney trip this year with our tax return. Anyone else going to use their tax money to pay off their trip to the World this year????
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Is Uncle Sam paying for your Disney trip this year????
- Thread starter WDWmazprty
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devoy1701
Well-Known Member
Actually in this climate, if you watch your picks daily and stay ontop of the news related to the industries your in and specific info related to your picks, it's hard to lose money in the market if you stay on top of things. Also, Kramer has never led me astray on a stock pick! But I guess this conversation is for another webforum!
Anyway. I'm young too and I have plenty of time to live out the risk!
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devoy1701
Well-Known Member
.02% currently
Most of the big regional banks offer low rates such as that (Bank of America, Citi, Chase, Suntrust, Regions, etc). The internet banks are the ones who offer great rates nowadays (Ally 1.09%, ING Direct 1.1%, even American Express online 1.3%). And by great, i mean in relation to other banks today....not great as in wow this rate is amazing...because we haven't seen rates like those in about 4 years!
for instance, if your rate is really .02%, my ING Direct Savings account is earning 55 times what your bank is offering!
I'm just saying! Maybe you should switch! :animwink:
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sweetpee_1993
Well-Known Member
Our local credit union (MCT Credit Union) was at 5% when we signed up with them a couple years ago. I'd have to look it up but I know I'm still getting no less than 4%. It's not technically a "savings" account. It's a checking account. I have to have at least 1 direct deposit or draft each month & 10 debits (we generally do 10 trivial little transactions). Once you meet those requirements it's the high percentage rate. My husband has a checking/savings account in his name which is our operating account for bills & such. I also have a checking/savings account which acts as our savings. I don't work outside the home so to meet that single draft requirement I have the kid's life insurance payments drafted. It's so tiny, like $14 a month. There's a very minimum amount in either of the actual savings accounts, tho. The higher interest rate applies only up to $25k & there's no minimum requirement. My in-laws showed us this. There's so many little credit unions around here that have high-interest checking accounts. They have money all over the place...literally! :lookaroun
Definitely look around at smaller credit unions. They're interest rates are great.
Definitely look around at smaller credit unions. They're interest rates are great.
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