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Cleverly Titled Random Thoughts Thread

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Re: Cleverly Titled Random Thoughts Thread

Postby MrsVox » Wed Apr 18, 2012 08:34:21

z ipper wrote:i think if you have direct deposit they waive that fee
a lot of banks do at least


Late on this, but most don't anymore. Had MIL switch from Citizens to her local credit union because they were charging something like $11 a month. For someone on a limited income, that $100+ can make a difference.

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Re: Cleverly Titled Random Thoughts Thread

Postby MrsVox » Wed Apr 18, 2012 08:36:43

Soren wrote:FFS you can instantly transfer money to your checking account standing in front of the register with ING.


I love this about ING. What I hate it is that it takes a week to transfer between external accounts.

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Re: Cleverly Titled Random Thoughts Thread

Postby Youseff » Wed Apr 18, 2012 08:54:48

Charles Schwab checking > no fees > reimburse all ATM fees > .1 % interest (used to be much better)
This is what a real tenderoni likes to do for you

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Re: Cleverly Titled Random Thoughts Thread

Postby lethal » Wed Apr 18, 2012 08:58:56

Right now, it doesn't matter how much you have in checking and how much you have in savings. Really, if you keep 1500 in your checking to stay above the minimum, you're foregoing something like 10 bucks a year in interest if you have it in a savings account. It isn't worth the effort. (this coming from a guy who has something like 15 checking and savings accounts combined and realized he should consolidate because keeping up with all of them is a hassle).

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Re: Cleverly Titled Random Thoughts Thread

Postby MrsVox » Wed Apr 18, 2012 09:14:48

I know why weeds grow, TruGreen, just tell me how much it will cost for you to fertilize my lawn.

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Re: Cleverly Titled Random Thoughts Thread

Postby The Dude » Wed Apr 18, 2012 09:16:36

lethal wrote:Right now, it doesn't matter how much you have in checking and how much you have in savings. Really, if you keep 1500 in your checking to stay above the minimum, you're foregoing something like 10 bucks a year in interest if you have it in a savings account. It isn't worth the effort. (this coming from a guy who has something like 15 checking and savings accounts combined and realized he should consolidate because keeping up with all of them is a hassle).


exactly
BSG HOF '25

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Re: Cleverly Titled Random Thoughts Thread

Postby The B1G Piece » Wed Apr 18, 2012 09:32:47

MrsVox wrote:
Soren wrote:FFS you can instantly transfer money to your checking account standing in front of the register with ING.


I love this about ING. What I hate it is that it takes a week to transfer between external accounts.

The government thinks you use BSG to launder money.

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Re: Cleverly Titled Random Thoughts Thread

Postby Woody » Wed Apr 18, 2012 10:30:16

Legend

Image

http://www.buzzfeed.com/jpmoore/jose-ca ... on-twitter
you sure do seem to have a lot of time on your hands to be on this forum? Do you have a job? Are you a shut-in?

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Re: Cleverly Titled Random Thoughts Thread

Postby jamiethekiller » Wed Apr 18, 2012 11:28:26

savings accounts are for suckers. ing accounts are for suckers. all of those things are dumb. just put it all in your checking account and be done with it.

the sub 1% you're making is fucking pointless and gaining nothing.

i direct deposit that puts 80% into a checking account, 10% into a reserve checking account, and 10% into a savings account. i only keep the 10% in a savings account for big purchases. the other one for smaller purchases. and the checking account for all of my bills.

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Re: Cleverly Titled Random Thoughts Thread

Postby jeff2sf » Wed Apr 18, 2012 11:31:06

I can see a savings account as being "not worth it". How is it for suckers.
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Re: Cleverly Titled Random Thoughts Thread

Postby Youseff » Wed Apr 18, 2012 11:36:52

I save about $20-$40 bucks a month in ATM fees and have no extra fees what so ever. Wouldn't say it's dumb or not worth it or for suckers.
This is what a real tenderoni likes to do for you

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Re: Cleverly Titled Random Thoughts Thread

Postby Soren » Wed Apr 18, 2012 11:40:04

for those of us who don't have enough funds to invest in earnest that sub 1% is better than nothing.
Olivia Meadows, your "emotional poltergeist"

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Re: Cleverly Titled Random Thoughts Thread

Postby pacino » Wed Apr 18, 2012 11:51:42

lol, just read that in 23 seasons of the bachelor, nobody's ever been black or latino
thephan wrote:pacino's posting is one of the more important things revealed in weeks.

Calvinball wrote:Pacino was right.

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Re: Cleverly Titled Random Thoughts Thread

Postby Eem » Wed Apr 18, 2012 11:55:37

Today was the first morning since Friday that I didn't cough up bloody mucus in the morning

It's gonna be a good day
Bed and bath i love this places

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Re: Cleverly Titled Random Thoughts Thread

Postby jamiethekiller » Wed Apr 18, 2012 12:09:11

Youseff wrote:I save about $20-$40 bucks a month in ATM fees and have no extra fees what so ever. Wouldn't say it's dumb or not worth it or for suckers.


PNC reimburses me for ATM fees. 1% is getting you like 20$ a year. its not worth the effort of managing.

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Re: Cleverly Titled Random Thoughts Thread

Postby Soren » Wed Apr 18, 2012 12:12:48

Soren wrote:for those of us who don't have enough funds to invest in earnest that sub 1% is better than nothing.
Olivia Meadows, your "emotional poltergeist"

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Re: Cleverly Titled Random Thoughts Thread

Postby PrattRules » Wed Apr 18, 2012 12:15:22

By the way, if you have at least a 500 dollar automated deposit in your wells fargo checking account made monthly, the fee is waived as well.
"Just remember, it's not a lie if you believe it." -George Costanza

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Re: Cleverly Titled Random Thoughts Thread

Postby z ipper » Wed Apr 18, 2012 12:17:20

i think ive made around 5k in interest with ing, i'll check when I get home. but there is no managing at all. not sure what you're thinking of. i have my mortgage, peco, aqua, tv, cc, trash, sewer all auto-detucted from that account. it's making me very little little right now but if interest ever exists again i'm all setup. get rich slowly.

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Re: Cleverly Titled Random Thoughts Thread

Postby jamiethekiller » Wed Apr 18, 2012 12:20:15

z ipper wrote:i think ive made around 5k in interest with ing, i'll check when I get home. but there is no managing at all. not sure what you're thinking of. i have my mortgage, peco, aqua, tv, cc, trash, sewer all auto-detucted from that account. it's making me very little little right now but if interest ever exists again i'm all setup. get rich slowly.


if interest levels were what they were 10-15 years ago anyone would be a fool to not invest in savings accounts. .5 to 1% isn't worth the hassle for ME. i apologize for coming off as arrogant as i did.

i wouldn't knock it if you were putting it into an index fund or playing with stocks. you're going to get a better gain out of that. and with an index you have almost zero management as well.

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Re: Cleverly Titled Random Thoughts Thread

Postby Youseff » Wed Apr 18, 2012 12:29:16

jamiethekiller wrote:
Youseff wrote:I save about $20-$40 bucks a month in ATM fees and have no extra fees what so ever. Wouldn't say it's dumb or not worth it or for suckers.


PNC reimburses me for ATM fees. 1% is getting you like 20$ a year. its not worth the effort of managing.


what the hell are you talking about? what extra work am I doing?
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