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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: lilac 180 round eye "seems risky" (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36870515) |
Date: September 24th, 2018 10:36 AM Author: lilac 180 round eye (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: glittery sexy cuckoldry pit 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: Fear-inspiring Electric Reading Party (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: sepia adventurous forum 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: lilac 180 round eye "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: pink international law enforcement agency circlehead (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: Underhanded Sanctuary Jewess (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: pale bisexual goal in life 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: pink international law enforcement agency circlehead 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: hairraiser elite queen of the night kitty 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: Mint den 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: pink international law enforcement agency circlehead Also, you can get 2% these days: https://www.hsbcdirect.com/
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Date: September 24th, 2018 11:21 AM Author: dead sickened fat ankles 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: Underhanded Sanctuary Jewess 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: dead sickened fat ankles 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: pink international law enforcement agency circlehead 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: dead sickened fat ankles 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: pink international law enforcement agency circlehead 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: frisky balding stage ape 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: pink international law enforcement agency circlehead 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: provocative ratface shrine 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: Floppy institution 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: Disrespectful Spectacular University (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: lilac 180 round eye 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: Mint den 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: lilac 180 round eye $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: pink international law enforcement agency circlehead 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: lilac 180 round eye "hmmmm" *browses insta* |
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Date: September 24th, 2018 12:05 PM Author: Razzmatazz field 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: lilac 180 round eye 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: pink international law enforcement agency circlehead "banks she's never heard of (HSBC, goldman, etc)"
omg, lol |
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Date: September 24th, 2018 12:13 PM Author: dead sickened fat ankles (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: Ungodly vivacious faggotry gas station 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: black address 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: bonkers locale fanboi 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: slimy corner 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: pink international law enforcement agency circlehead (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: Concupiscible yapping bbw Lol OP did you blow your credibility with crypto or something (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877638) |