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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: Smoky national sound barrier "seems risky" (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36870515) |
Date: September 24th, 2018 10:36 AM Author: Smoky national sound barrier (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: Milky indirect expression 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: Racy rambunctious tattoo (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: violent thriller house 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: Smoky national sound barrier "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 Headpube Gas Station (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: Nofapping Stag Film Idiot (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: bright heady police squad knife 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 Headpube Gas Station 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: bateful station prole 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: Excitant Fear-inspiring Wrinkle 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 Headpube Gas Station Also, you can get 2% these days: https://www.hsbcdirect.com/
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Date: September 24th, 2018 11:21 AM Author: Shivering Snowy Spot 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: Nofapping Stag Film Idiot 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: Shivering Snowy Spot 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 Headpube Gas Station 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: Shivering Snowy Spot 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 Headpube Gas Station 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: white bull headed institution 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 Headpube Gas Station 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: Costumed Painfully Honest Ticket Booth Pistol 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: transparent bearded heaven bbw 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: rough-skinned milk (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: Smoky national sound barrier 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: Excitant Fear-inspiring Wrinkle 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: Smoky national sound barrier $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 Headpube Gas Station 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: Smoky national sound barrier "hmmmm" *browses insta* |
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Date: September 24th, 2018 12:05 PM Author: Frisky location cumskin 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: Smoky national sound barrier 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 Headpube Gas Station "banks she's never heard of (HSBC, goldman, etc)"
omg, lol |
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Date: September 24th, 2018 12:13 PM Author: Shivering Snowy Spot (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: diverse travel guidebook 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: magical soggy rehab 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: Silver incel puppy 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: unhinged step-uncle's house trump supporter 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 Headpube Gas Station (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: wine out-of-control temple elastic band Lol OP did you blow your credibility with crypto or something (http://www.autoadmit.com/thread.php?thread_id=4084970&forum_id=2#36877638) |