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H110Hawk posted:Sounds atrocious. I haven't gotten that yet. I don't do any recurring transfers so who knows. Sorry if this is a dumb question, but why buyer beware? I've got almost all my short-term savings in Capital One 360 accounts, and will probably move them to either the 360 MM fund or Ally since the rate is better. Feels like it would be easier to just keep it at Capital One vs a new bank, but I can be convinced to move it if there's a compelling reason. The new website design is pretty bad, I agree, not sure it's so annoying that I'd want to change banks though.
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Oct 18, 2017 02:22
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Going back to the online savings account chat, I found a couple banks with better rates than Ally, and was about to sign up with Synchrony Bank since I've already got a couple of their branded store credit cards, when I found this: https://www.discover.com/online-banking/savings-lng-04/?cmpgnid=affl-bk-offer&src=HMB1017&TPR=057&van=Dbank Discover has an online savings account with 1.20% APY, but if you sign up before 10/31/17, and deposit $15k or more, you get a bonus $150. Or, if you deposit $20k, a $200 bonus. For whatever reason their website puked while I tried to sign up and I ended up having to call to open the account, for an extra $200 I'll park my cash here for a while before I consider jumping to one of the banks offering 1.30% or better. RIP ING, I shouldn't feel sentimental about leaving a bank but I still miss the good old times back in the mid-00's with their 5% APY online savings accounts and generous referral bonuses.
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Oct 19, 2017 04:39
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spwrozek posted:Ally up to 1.35%, keep the good times rolling. Just checked and it's 1.45% now! Guess I'm finally going to open an account.
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Feb 15, 2018 17:26
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HamsterPolice posted:How hosed would I be if I quit my job without another job lined up? I hate my current job and have enough savings to survive. The idea would be to use the new time from not working to applying and interviewing for jobs since it's really hard right now to juggle both my job and interviewing. I keep having to take vacation days for instance. Don't do it. You'll hate burning through your emergency savings and not having health insurance/paying out the rear end for COBRA even more than you hate your job. I've been on both sides of that equation (just recently got a new job, left a job I hated and a boss who was abusive), and not having a job while desperately searching for one was by far the most stressful time of my life. I say use up your vacation time or abuse sick time if you need to to go to interviews, send out resumes on the clock if you can.
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Mar 29, 2018 22:05
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zaurg posted:2002 Saturn SC2 and just hit 53k miles KBB says this car is maybe worth $2500 if it's in very good condition (sounds like it's not), and you sell to a private party for cash. Otherwise, dealer trade-in value is closer to $1500 (again, assuming very good condition). Sell it, take the money from that and what were going to spend on the new transmission, and go buy a used car that isn't made by GM.
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Apr 26, 2018 13:59
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Applied for a mortgage pre-approval with Quicken today, and they tell me that I qualify for a loan 5.5x my base annual salary, with a monthly payment that is 62% of my net take home.
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Jul 26, 2018 16:18
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Yeah I guess the common advice is housing expense should be max 30% of your gross pay, which imho max 30% of net seems more reasonable. (Confession: I have to google the difference in gross and net almost every time I need to reference it  )The Quicken loan rates still comes out to 43% of my gross monthly pay which I find ridiculous. Currently looking to buy something that would give me an all-in payment at or less than 16% of my gross/23% of net.
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Jul 26, 2018 21:07
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For new AND existing Ally bank customers, they are offering a 1% bonus on cash moved to Ally (up to $1k), but you have to opt in before the 21st: https://allypaybacktime.com/
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Oct 17, 2018 20:19
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Mocking Bird posted:Can someone reassure me that it's ok to spend $$$ on professional movers? I hate to pay for it after going broke on deposit/some overlapping rent/utility deposits, but otherwise it will be me, my medically disabled partner, and my 55 year old dad doing all the heavy lifting. Moving is a miserable experience, paying movers is 100000% worth it and I strongly recommend it. If you want to cheap out a bit, check out Uhaul's Moving Help site: https://www.uhaul.com/MovingHelp/. You can read reviews and see what the per-hour rate is for everyone, I've done this every time I've moved apartments (which is too many loving times) and never had a bad experience. Rent your own truck, then get the movers to load/unload it for you, or have them pack your boxed AND load it, most will even drive the truck for you if you want. Last couple times I've used MovingHelp I probably paid <=$300, plus tip.
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Nov 2, 2018 18:12
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Couch chat: anyone own an Ikea Kivik, chaise version? I need a new sofa when I move soon-ish and really like the look (and price!) of this, but have read a few reviews that say the cushion in the chaise portion is a different material than the rest of the sofa and seems to wear out a lot faster. I could just pick up the regular 3-seater plus an ottoman if that is the case, but really want the chaise part of it if it doesn't suck.
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Nov 25, 2018 18:42
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This actually looks like a terrible idea, don't sign up for this service. See more here: https://www.bloomberg.com/news/articles/2018-12-14/sipc-says-it-has-serious-concerns-about-robinhood-s-new-product Sirotan fucked around with this message at 18:14 on Dec 14, 2018 |
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Dec 13, 2018 17:10
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Jeffrey of YOSPOS posted:FDIC insured? I'm tempted. Apparently no but it will be SIPC insured. Found more info on this: https://www.investopedia.com/investing/is-robinhood-safe/ I added myself to the wait list, not sure I'll actually pull the trigger when it's available. Their app had a major outage yesterday and there are a ton of pissed off users in r/robinhood right now which doesn't bode well for me.
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Dec 13, 2018 19:41
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https://www.bloomberg.com/news/articles/2018-12-14/sipc-says-it-has-serious-concerns-about-robinhood-s-new-productquote:SIPC Says It Has Serious Concerns About Robinhood's New Product Welp!
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Dec 14, 2018 18:12
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Joined a new gym last year and it's really a pretty nice place, class sizes are very small and all the equipment is brand new. I know all the owners at this point, and it has a real family vibe when you go in. Today I got an email that is a "reminder" about an annual 'maintenance fee' that they are going to charge everyone in June- $69. This has literally never been communicated to anyone, is not in any documentation I received when I singed up, and isn't on their website at all. Trying to decide how much of a stink I should make about this. It's not enough to leave the place over but, what the hell you can't just spring a $70 bill on people and pretend like everyone already knew it was coming.
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Jan 22, 2019 17:00
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I didn't even have a debit card until Chase got rid of their ATM-only cards and made them debit as well.  ChaseHowever, that still didn't stop someone from stealing my ATM-only card number one time to pay their Comcast bill. Since I only ever used the thing on Chase ATMs, there was either a skimmer set up somewhere and I didn't notice it, or a random number generator got lucky.
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Feb 18, 2019 19:08
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I have accounts with both Ally and Discover and they are pretty comparable. They have been keeping pace on interest rates for a while, so expect to see Discover up to 2.2% soon. Ally does do bonuses from time to time (they recently did a 1% cashback up to $1k for all new money added to your account), so imho I would open an account with Discover for the free $200, move over all your cash, then wait for an Ally deal and eventually transition there.
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May 19, 2019 21:36
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If you are looking to get into IT and are already living in Madison/Verona, you should throw your resume at Epic. They are always hiring and take people from all kinds of backgrounds. Training experience would be a plus here as well. Edit: didn't re-read your original post. Epic does have remote locations/sends people out to work full time at customer locations. Still might not hurt to apply.
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Sep 10, 2019 02:35
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Four years after applying, my friend just told me he got his free tuna voucher from that Sunkist price fixing class action lawsuit in the mail. $5.03 in free tuna. I missed out on that LCD panel class action from years back that paid out hundreds of dollars, but it's this goddamn free tuna one that I am still mad about. WHERE'S MY FREE TUNA, SUNKIST?? I'M STILL WAITING
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Sep 24, 2019 03:53
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Sep 25, 2019 01:42
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You should absolutely freeze at all three bureaus.
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Sep 26, 2019 03:35
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You might want to cross post to the Working in IT thread, you might get more/better engagement there: https://forums.somethingawful.com/showthread.php?threadid=3653857
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Oct 17, 2019 17:42
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Pro-tip: Ally has a 11 month no-penalty CD with 1.85% APY if you deposit $5k or more. 1.65% if less than $5k. Both are still better than their current savings account rate of 1.6%. If you've got anything hanging out in an Ally savings there is 0 reason not to move it over to the CD. The 3yr CD I opened with them last week at 2.05% is now 1.75%, so I would expect these rates are gonna drop any time now.
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Mar 9, 2020 15:55
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AnnualCreditReport.com is not a credit monitoring service. It's just a site that will let you pull your credit report directly from the three credit reporting bureaus. Credit Karma only pulls data from two of them (TransUnion and Equifax). It's good practice to pull your credit report from each agency at least once a year just to make sure they are all consistent. You'll also be able to see additional info that Credit Karma wont tell you, like what addresses and contact info is on file for you, dates accounts were opened and closed, soft inquiries, comments on accounts, etc. If you find anything that is incorrect it could be a mistake, or it could be a sign of identity theft. Either way you'll want to get it corrected ASAP. Edit: I use Credit Karma too (along with another paid service, thanks to the OPM!) and appreciate the alerts, but I don't consider it a substitute for checking my full credit report(s) regularly. Sirotan fucked around with this message at 17:29 on Apr 22, 2020 |
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Apr 22, 2020 17:26
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^^^ lol Yeah I've always just signed and scanned, never filled out the memo field either.
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May 10, 2020 23:25
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Marman1209 posted:Anyone ever have luck getting a bank you don’t have an account with to cash out paper EE bonds? I’m getting a lot of nos from branches so far. I don't know where you are but I cashed in some at a Chase bank a year or so ago, they seem to be just about everywhere in the US, maybe open a new account for this and then just close it soon afterward? Plenty of big name banks will even give you a couple hundred bucks to open a new account these days. Edit: in fact here's a list of current account opening bonus offers: https://www.doctorofcredit.com/best-bank-account-bonuses/
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Aug 5, 2020 17:04
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BaseballPCHiker posted:Im guessing I cant make transfers to my Ally savings account right now because they're getting hammered with all of this GME activity? Fun times! It is working for me now, but I couldn't access my Ally savings accounts this morning either.
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Jan 29, 2021 18:48
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Beach Bum posted:I've just finished slaying a debt monster and very shortly I'm going to have $10k floating around for an e-fund doing nothing. At my current rate of expenditure my base monthly expenses run about $2k, so I've got a decent safety, but like, what do I do with the money? Regular savings accounts are a joke, HYSAs have absolutely tanked in the last couple years, and I'm extremely wary of opening any sort of investment account for funding that should be readily liquid and available, but that seems like the only mechanism for growing money while keeping it in a somewhat liquid vehicle. You should keep your emergency fund liquid. I have moved mine into an HM Bradley account which is (currently) earning 3% APY. There are some quirky requirements to get that amount but the tl;dr is you have to direct deposit some amount of cash into the account every month, and you can't withdraw more than 80% of what you deposit. If you are interested I could send you a referral code which would get you started right at their tier 1 savings rate which is 3%, otherwise you'll have to wait to get into that tier in the next quarter. The referral doesn't net me anything btw. More details: https://www.doctorofcredit.com/new-bank-account-promises-3-apy-savings-rate-when-you-save-your-paycheck-hmbradley/ Edit: Doctor of Credit has a list of all bank accounts with bonuses and high interest rates, there may be one there with an offer that works better for your situation. Sirotan fucked around with this message at 18:23 on May 13, 2021 |
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May 13, 2021 18:17
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I Love Topanga posted:How do they know whether I'm depositing 20% or not in their accounts? You just have to keep 20% of your total deposits for the quarter in the account to qualify for their top tier. So if you direct deposit $1k every month you'll have $3k in the quarter, they don't want you to withdraw more than $2400. I personally am able to split my direct deposits so I just have a DD set up for $100/mo into this account, and then I manually moved a bunch of cash from another account into it. I have enough cash in other accounts that I am essentially parking money here with no intention of withdrawing it.
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May 13, 2021 18:29
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QuarkJets posted:Looking to open up a new savings account, who does BFC recommend these days? If you are just looking for a place to park some money, HM Bradley has a 3% APY option right now but you need a direct deposit (of any amount) and basically can't take cash out. There is a bit of fine print, you should read about it all here: https://www.doctorofcredit.com/new-bank-account-promises-3-apy-savings-rate-when-you-save-your-paycheck-hmbradley/ It's currently invite only but I could send one via email or PM. I've been using it for about 6mo now though, no complaints.
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Oct 13, 2021 04:43
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DaveSauce posted:Not sure if this is the right thread or not but meh She needs to file a police report because this will enable her to enroll in the 7yr long credit alert. The alert is different from the freeze. I would probably also consider some kind of credit monitoring, even if it's just something free like Credit Karma. Set up multifactor authentication on any bank that has it as an option, this is more important than changing the passwords imho. I've been through this too and it was mostly a bunch of my time wasted going to a police station, filling an affidavit in person with the unemployment agency, calling a bunch of banks, etc.
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Dec 11, 2021 20:14
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If you can direct deposit $5k in a 30 day period, there is a SoFi account bonus available right now for $300 that might be less hassle for you: https://www.doctorofcredit.com/sofi-checking-5000-direct-deposit-required/ Edit: Oh this one is even better (I forgot about it since I already have a Chase account): $300 bonus if you open an account and direct deposit any amount within 90 days: https://www.doctorofcredit.com/chase-600-checking-savings-bonus/
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Jul 29, 2022 18:10
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That commercial is kinda lovely and mean spirited but no it's not a Hereditary reference. In Hereditary the kid is sticking her head out the side window and gets it knocked off by a telephone pole.
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Nov 1, 2022 22:19
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mysteryberto posted:US bank refused to cash two 30 year old EE Bonds to me today. They said it was their policy which may change December 8th. It was only for about $200 redemption value. My local subreddit had a similar thread going about this just yesterday. I can tell you I cashed some EE bonds at a Chase branch a couple years back to add to a home downpayment fund. I was/am a customer of theirs and it was pretty routine. No clue if these places are local to you but I learned from the Reddit thread that Huntington and Citizens Bank will cash bonds for non-customers up to a limit of a couple thousand bucks.
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Dec 1, 2022 22:22
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drat Bananas posted:Uughhhh. Thanks, I’ve forwarded it along. Make sure all his accounts are also enabled for multi factor authentication. Especially Google, Yahoo, and his bank accounts if possible.
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Dec 7, 2022 13:40
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Ally has been battling with a massive amount of fraud/account compromise issues over the past couple of weeks (which I'm sure is what prompted that initial email about changing MFA methods). If you're at all on the fence I would probably recommend bailing for SoFi or another similar online bank with a good HYSA rate right now. Ally does not seem to have it's poo poo together.
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Dec 7, 2022 17:30
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Unsinkabear posted:Is there any reason I should not use Synchrony as the HYSA that I shove my emergency savings into and then forget about? If you're just dumping cash there and never needing to touch it, it's totally fine. I will just share that from my personal experience they have the shittiest web UI and customer service of any bank/credit provider I've ever had to deal with, but most of my ire with them stems from multiple incidents of identity theft where a scammer tried to open a line of credit in my name through Synchrony. Depending on how much money is in your emergency savings, you may be able to beat the rate Synchrony has now if you go with a bank that has a lower rate but offers a bonus to open an account. Most require you set up direct deposit to qualify for the bonus but not all of them: https://www.doctorofcredit.com/best-bank-account-bonuses/
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Dec 23, 2022 15:18
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Yeah I've seen stories about Michigan egg prices across several different platforms in the last week, all talking about how prices have more than doubled and are now averaging about $5/doz due to mass culling of chickens from avian flu. I haven't been to a grocery store in a minute so I'm not sure if we're seeing shortages in addition to the price hikes.
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Jan 6, 2023 21:36
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Looks like a dozen eggs is $4.39/doz at my usual mid-range supermarket location (Meijers). They were $3.29/doz last time I bought some, on December 2. On New Year's Day they were $5.29/doz. tl;dr egg prices, a study in regional volatility Sirotan fucked around with this message at 00:54 on Jan 7, 2023 |
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Jan 7, 2023 00:52
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Capital One has an 11mo CD at 5% deal that expires on the 14th if you're able to park that money for a while. Otherwise, SoFi offers 3.75% on their savings accounts. You can probably find something even better here: https://www.doctorofcredit.com/high-interest-savings-to-get/ It's probably more worth it to open a new account somewhere that gives you a bonus of a couple hundred bucks, as moving to a new HYSA that's only a fraction of a percent higher than what you're earning now is only gonna net you a few bucks annually.
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Mar 9, 2023 15:43
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Unsinkabear posted:If you're going to go the CD route and it's semi e-fund money, Ally might still have their 5% CD that you can cancel at any time and only lose two months interest. I think Ally is largely overrated, but that particular offering is a tempting solution even to me The no-penalty CD with Ally is currently at 4%.
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Mar 10, 2023 05:58
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