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in the fight of my life to convince wife to open 1.85% savings acct
Poast new message in this thread
Date: September 23rd, 2018 4:37 PM Author: Vigorous Territorial Persian "seems risky" (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36870515) |
Date: September 24th, 2018 10:36 AM Author: Vigorous Territorial Persian (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36876735) |
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Date: September 24th, 2018 10:39 AM Author: Sickened azn My wife wants all of our money to sit in our checking and/or savings. (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36876757) |
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Date: September 24th, 2018 10:40 AM Author: brass glittery dilemma (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36876762) |
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Date: September 24th, 2018 10:57 AM Author: azure vivacious heaven There’s zero rational reason if it’s below the FDIC limit. Pick up I bonds too if you want zero risk. (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36876883) |
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Date: September 24th, 2018 11:08 AM Author: Vigorous Territorial Persian "hmmm idk i don't understand all that stuff" *goes back to browsing insta* |
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Date: September 24th, 2018 11:09 AM Author: laughsome locus gay wizard (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36876979) |
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Date: September 24th, 2018 11:26 AM Author: exhilarant irate macaca abode (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877078) |
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Date: September 24th, 2018 11:08 AM Author: Yellow yarmulke nibblets buy bitcoin (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36876965) |
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Date: September 24th, 2018 11:08 AM Author: laughsome locus gay wizard Lmao. It isn't "risky" at all. (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36876973) |
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Date: September 24th, 2018 11:11 AM Author: swashbuckling slate home volcanic crater she needs that money available to spend on avocado toast you insensitive piece of shit (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36876996) |
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Date: September 24th, 2018 11:14 AM Author: Startled mother church building Why would she think it's risky? What would she rather do with it? I assume it's FDIC insured, right? (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877009) |
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Date: September 24th, 2018 11:17 AM Author: laughsome locus gay wizard Also, you can get 2% these days: https://www.hsbcdirect.com/
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Date: September 24th, 2018 11:21 AM Author: Burgundy theater keepsake machete if u know u aren't going to need the money for a while, goldman's fast casual chain "marcus" has 12 mo cds at 2.55% and savings at 1.9% (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877056) |
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Date: September 24th, 2018 11:27 AM Author: exhilarant irate macaca abode If you know you aren’t going to need the money for a while, buy index funds (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877082) |
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Date: September 24th, 2018 11:30 AM Author: Burgundy theater keepsake machete i mean if u want to have a stable no risk emergency fund (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877107) |
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Date: September 24th, 2018 11:39 AM Author: laughsome locus gay wizard Given that emergencies are unpredictable, a 2% liquid account is probably ideal. (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877158) |
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Date: September 24th, 2018 11:46 AM Author: Burgundy theater keepsake machete fair. i'm stashing enough to pay mortgage and necessities for 6-12 months and will come out slightly ahead by staggering cds and keeping only 2 or so months' worth of expenses on hand in the checking account, but it'll probably only amount to a few hundred dollars (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877193) |
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Date: September 24th, 2018 12:01 PM Author: laughsome locus gay wizard That's what bothers me. This requires an amount of effort and care that doesn't justify the payoff. At that point, you're better off having less in instruments that don't keep up with real inflation and instead have a good mix of equities that are likely to pay significantly more. (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877278) |
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Date: September 24th, 2018 11:41 AM Author: milky sanctuary background story It's called a credit card doofus. Assuming you don't have shit credit, you need about two months' bare minimum expenses in cash that can be accessed same day. The rest should be in SPY, real estate, or a diversified equities portfolio.
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Date: September 24th, 2018 11:30 AM Author: laughsome locus gay wizard I'd rather have 2% 100% risk free and liquid. If I don't need to touch it for a year, I'll throw it in dividend ETFs. (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877106) |
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Date: September 24th, 2018 11:27 AM Author: stirring cyan weed whacker black woman lol @ any "man" who has to "convince" his wife to do something with their money (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877086) |
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Date: September 24th, 2018 11:30 AM Author: pungent ultramarine gaming laptop fanboi Where is that money now??? (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877111) |
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Date: September 24th, 2018 11:33 AM Author: Vibrant range goyim (not a mattress scholar) (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877124) |
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Date: September 24th, 2018 11:35 AM Author: Vigorous Territorial Persian megabank checking, same place it has been for years (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877140) |
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Date: September 24th, 2018 11:41 AM Author: Startled mother church building How much are you talking about? (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877164) |
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Date: September 24th, 2018 12:08 PM Author: Vigorous Territorial Persian $100k (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877309) |
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Date: September 24th, 2018 12:09 PM Author: laughsome locus gay wizard So basically burning $2k/year in cash by keeping it in a 0% acct.
That said, I'm not sure about keeping even $100k in a 2% because real inflation is probably 3-4%. |
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Date: September 24th, 2018 12:10 PM Author: Vigorous Territorial Persian "hmmmm" *browses insta* |
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Date: September 24th, 2018 12:05 PM Author: Ocher Shitlib Why does she think that a savings account is riskier than a checking account? (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877292) |
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Date: September 24th, 2018 12:09 PM Author: Vigorous Territorial Persian she thinks these banks she's never heard of (HSBC, goldman, etc) are riskier than B of A ljl (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877319) |
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Date: September 24th, 2018 12:10 PM Author: laughsome locus gay wizard "banks she's never heard of (HSBC, goldman, etc)"
omg, lol |
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Date: September 24th, 2018 12:13 PM Author: Burgundy theater keepsake machete (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877354) |
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Date: September 24th, 2018 11:41 AM Author: 180 copper people who are hurt incel i literally hate women (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877162) |
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Date: September 24th, 2018 11:42 AM Author: Titillating olive main people We all do (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877165) |
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Date: September 24th, 2018 11:44 AM Author: mewling brindle potus meetinghouse sounds like a good time to put together a powerpoint presentation. (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877180) |
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Date: September 24th, 2018 12:19 PM Author: bossy juggernaut Is she a housewife? No way a person has never heard of those big name banks or thinks a savings account is risky ... unless this is code for not wanting to have to “save” money - savings accounts aren’t really different from checking in terms of liquidity, tbh. (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877390) |
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Date: September 25th, 2018 11:23 PM Author: laughsome locus gay wizard (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36889876) |
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Date: September 24th, 2018 12:51 PM Author: indecent unholy jew theater stage Lol OP did you blow your credibility with crypto or something (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877638) |