If you're interested in opening an account, let me know
I'll need to convince my husband the money luddite, since it's a joint checking account, but that sounds like a plan.
And boys -- let's watch the swearing.
Mayor ,'Chosen'
Natter 60: Gone In 60 Seconds
Off-topic discussion. Wanna talk about corsets, duct tape, or physics? This is the place. Detailed discussion of any current-season TV must be whitefonted.
Connie Neil - Aug 28, 2008 11:08:28 am PDT #5918 of 10003
brillig
Steph L. - Aug 28, 2008 11:09:38 am PDT #5919 of 10003
this mess was yours / now your mess is mine
That article mentions online savings. People here were talking about some online bank that had a great savings plan. Do those people still have those accounts, and if so, with whom and how has that worked?
I think the most popular one is with ING; the benefit to most online savings accounts is that they offer APYs that are much higher than those offered by a B&M bank. For instance: my B&M bank's savings account APY is currently (I shit you not) 0.09%.
I have a savings account with HSBC Direct, and the APY is currently 3.50% Therefore, most of my emergency fund is with HSBC.
The benefit to the online savings accounts like ING, HSBC, etc., is that they have no minimum balance (or possibly literally $1), unlike CDs and money-market accounts (which are the other savings vehicles that yield high APYs). Also, you can withdraw the money whenever you need to; there's no maturity date like with a CD.
t edit Or, whatever everyone else said while I was googling APYs.
Sophia Brooks - Aug 28, 2008 11:12:24 am PDT #5920 of 10003
Cats to become a rabbit should gather immediately now here
I've been using ING as well very recently, and I like it because I can set it up to just remove the money from my checking account. I have never had an "emergency fund" before, and now I am socking away money without missing it.
tommyrot - Aug 28, 2008 11:13:12 am PDT #5921 of 10003
Sir, it's not an offence to let your cat eat your bacon. Okay? And we don't arrest cats, I'm very sorry.
From Denver Craigslist: I will give you a KIDNEY for 2 OBAMA Tickets for tonights speech!
Are you in need of an extra kidney? Know of someone who needs one? I have 2 good kidneys which is a little excessive. Ill give you one of them for two tickets to tonight's speech. I live in Denver and tried to get tickets the minute they were announced. Somehow the first come first serve registration did not work since I was put on the waitlist.
So, I need two tickets for me and my girlfriend. I have an extra kidney. You take said organ, I take 2 tickets for this historic speech.
I like how the ad has pictures of Obama and a kidney.
megan walker - Aug 28, 2008 11:14:00 am PDT #5922 of 10003
"What kind of magical sunshine and lollipop world do you live in? Because you need to be medicated."-SFist
I'm another one who has really like my ING account. Although I'm not entirely sure if ING is FDIC insured (since it's a foreign bank) and these days I would probably have just used Wamu's online banking (or another US bank), which had an equivalent rate.
Glamcookie - Aug 28, 2008 11:19:03 am PDT #5923 of 10003
I know my own heart and understand my fellow man. But I am made unlike anyone I have ever met. I dare to say I am like no one in the whole world. - Anne Lister
ING is FDIC insured. The wife checked on this recently.
megan walker - Aug 28, 2008 11:28:43 am PDT #5924 of 10003
"What kind of magical sunshine and lollipop world do you live in? Because you need to be medicated."-SFist
ING is FDIC insured. The wife checked on this recently.
Oh good. I looked once but I didn't find an obvious an answer. Sadly, I only have a mini-emergency fund there, but I still would want to lose it.
If I were to buy my house (a low-ball figure being $800000) and put 20% down with a 6% mortgage, I would pay around $50000/year on interest and taxes. The rent is $1500. Market rent is probably around $3000.
flea - Aug 28, 2008 11:36:04 am PDT #5925 of 10003
information libertarian
Our mortgage is $1580, and the house was available for rent at $1500 when we bought it, so I think we are doing okay. And, inflation being what it is, the market rate for rent is going to rise, whereas we'll be paying $1580 a month 29 years from now. Unless we move, which is the big risk in homeownership as far as I'm concerned.
tommyrot - Aug 28, 2008 11:40:19 am PDT #5926 of 10003
Sir, it's not an offence to let your cat eat your bacon. Okay? And we don't arrest cats, I'm very sorry.
Free pie!
ABC is planning a publicity tour, including a traveling bakery and free pie, to promote the fanciful drama Pushing Daisies, the network announced. The interactive experience will travel to 10 major markets across the country in the weeks leading up to the second-season premiere of the show on Wednesday, Oct. 1, at 8 p.m. ET/PT.
Guests will be able to enjoy free pie and the company of outgoing servers in a temporary location inspired by The Pie Hole, the restaurant owned by the show's lead character, Ned (Lee Pace). Balloons with the show's logo, posters and daisy decals on the floor will also decorate the site.
Also, free pie. Did I mention the free pie?
The tour hits ten big US cities....
§ ita § - Aug 28, 2008 11:41:39 am PDT #5927 of 10003
Well not canonically, no, but this is transformative fiction.
Another INGer here, and happy with it. I paid into it automatically when I worked somewhere that would split my cheque, and it's been sadly ignored since then. But still more interest than my normal savings account!
Suddenly I feel I have a million things to do before I leave my job here, despite having felt underemployed for weeks. Isn't that how it always is? Well, apparently not. The other leavers are taking it a bit slower.
Boss took the whole team (1/3 of who are leaving) to a nice lunch and I could have rolled home. God bless elastic waistbands.