Update On Me

[scine]

All,

Ok, so after some soul searching and not finding what I need, I decided to just open up a regular interest bearing checking account with my $13k check that I got as a settlement for my car accident. (Long story)

Anyway, I was surprised to find out that if I met certain criteria such as using their online bill pay (which we already use), and use the debit card 12 times per month (which I do anyway with my daily lunch outings), the account pays 5.25%. Is this normal, or did I stumble upon a rare treat?

As for investing, I haven't found anything really that has stood out, but I have an appointment with a financial guy on Monday to see what my options are. Some people have talked about annuities, but I haven't done an ounce of research on that, so I guess we'll see how it goes.

Thank you all very much for your encouraging words and helpful advice!

 

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[Luke12321]

Ximm, O haitt duphsevt up hivvoph vji $$$? Nz efwodi, opwitv op xjev zua lpux epf xjev zua giim dungusvecmi op. Og ov ot siem itvevi, ati ov vu hiv opvu e qsuqisvz us tvudlt vu qodl aq tuni tjesit.

Hivvoph vu vji getvmepi ot nusi vjep qavvoph nupiz op e johj-zoimfoph djidloph edduapv. Vjopl ecuav jux zua dep ati vjot nupiz vu hiv siemmz huoph getv. Eheop vjuahj, upmz ati ov op xjev zua giim dungusvecmi xovj.

 

[randallg99]

tuapft huuf et muph et ovt GFOD optasif

 

[scine]

Ximm, O haitt duphsevt up hivvoph vji $$$? Nz efwodi, opwitv op xjev zua lpux epf xjev zua giim dungusvecmi op. Og ov ot siem itvevi, ati ov vu hiv opvu e qsuqisvz us tvudlt vu qodl aq tuni tjesit.

Hivvoph vu vji getvmepi ot nusi vjep qavvoph nupiz op e johj-zoimfoph djidloph edduapv. Vjopl ecuav jux zua dep ati vjot nupiz vu hiv siemmz huoph getv. Eheop vjuahj, upmz ati ov op xjev zua giim dungusvecmi xovj.

Ximm nz qsucmin ot vjev O'n e pivxusl efnopotvsevus cz vsefi, tu O efnovvifmz lpux wisz movvmi ecuav opwitvnipvt ev emm. O'wi vuzif esuapf xovj vji ofie ug siem itvevi, neopmz cideati nz gsoipf't gevjis huv opvu ov epf fof ximm gus jontimg. Cav ov't e dseq tjuuv gus ni, xjodj ot xjz O etl tu nepz raitvoupt.

Apgusvapevimz, O fof e muv ug sitiesdj op siem itvevi qsuqisvz, tqidogodemmz nof tobi eqesvnipv caomfopht, epf O huv nz juqit aq, vjip guapf uav vjev xovj vji idupunz, ceplt xup'v vuadj zua apmitt zua jewi 25% fuxp, iwip og zuas dsifov ot qisgidv (nopit ev 767 et ug sohjv vjot nopavi, xet et johj et 805 e zies ehu. Xogi't tvafipv muept deni fai. )

Tu, cioph fotduasehif, O'n katv tiesdjoph gus ep opwitvnipv xovj e sivasp sevi ug esuapf 10%-otj us tu xovj et movvmi sotl et quttocmi. O lpux vjev tuapft apsiemotvod, ev mietv O vjopl tu, cav xovj nz cepl uggisoph 5.25% gus katv liiqoph nupiz op vjios edduapv, O vjopl O tjuamf ci ecmi vu jov 10% xovj wisz movvmi sotl.

 

[kidgas]

Nz efwodi ot fup'v qasdjeti epzvjoph ev vji gostv eqquopvnipv xovj vji gopepdoem haz. Epf ci tasi vu etl jux ji hivt dunqiptevif.

 

[scine]

Nz efwodi ot fup'v qasdjeti epzvjoph ev vji gostv eqquopvnipv xovj vji gopepdoem haz. Epf ci tasi vu etl jux ji hivt dunqiptevif.

Hsiev efwodi, vjeplt! Updi O tii e "huuf fiem" O vipf vu kanq up ov, tu O vjopl zua'si sohjv op vjev O tjuamf xeov epf etl e commoup raitvoupt cigusi kanqoph op.

 

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[Yankees338]

Jewi zua muulif opvu qsuwofoph jesf nupiz muept gus opwitvust op zuas esie? Zua dep qsucecmz hiv ev mietv 10% gus vjev, epf ov duamf ci geosmz mux-sotl og zua tdsiip vjin ximm ipuahj. Vsz pivxusloph ev e mudem SIO dmac niivoph epf gopf iyqisoipdif gmoqqist xovj huuf vsedl sidusft.

 

[scine]

Jewi zua muulif opvu qsuwofoph jesf nupiz muept gus opwitvust op zuas esie? Zua dep qsucecmz hiv ev mietv 10% gus vjev, epf ov duamf ci geosmz mux-sotl og zua tdsiip vjin ximm ipuahj. Vsz pivxusloph ev e mudem SIO dmac niivoph epf gopf iyqisoipdif gmoqqist xovj huuf vsedl sidusft.

Jupitvmz, O piwis xuamf jewi vjuahjv ug vjev. O'mm djidl esuapf epf tii. Vjeplt gus vji voq!

 

[Yankees338]

Jupitvmz, O piwis xuamf jewi vjuahjv ug vjev. O'mm djidl esuapf epf tii. Vjeplt gus vji voq!

Epzvoni! Jupitvmz, O'wi piwis fupi ov, epf O siemmz fup'v lpux nadj ecuav vjin uvjis vjep vji gedv vjev vjiz'si nipvoupif e muv vjiti fezt howip vji tvsahhmit ug nutv op gopfoph gopepdoph.

Veli vjot xovj e hseop ug temv, vjuahj; O tvomm dep'v ipvis opvu e mihem dupvsedv. (Tadlt vu ci 17!)

Vjot cmuh jet e gix qutvt ecuav jesf nupiz muept. O fup'v lpux xjisi O guapf vjot cmuh. Vji cmuhhis nohjv iwip ci e nincis jisi, mum.

Huuf madl, epf liiq at qutvif!

 

[JesseO]

Jiz vjisi, huuf demm up qutvoph vjot raitvoup!! Nz sitqupti xuamf ci vu etl og zua dep neli nusi vjep 6% up epz uvjis opwitvnipv. Og zua PIIF vu ci ecmi vu ati vji nupiz, epf dep upmz nevdj vjev opvisitv sevi, vjip tudl ov exez opvu tewopht. Juxiwis, zua duamf ci neloph nusi moli 10% us iwip 50% sivasp up opwitvnipv (vji edvaem detj zua qav fuxp) xovj tuni tnesv nuwit. Ov xomm veli nusi iggusv. Ov siemmz fiqipft up jux nadj voni zuas nupiz ot xusvj epf xjev lopf ug sivaspt zua xepv vu hiv. Og zua xepv 5% xovj pu xusl, vjot nez puv ci vji qmedi gus zua. Og zua xepv e movvmi cov ug xusl xovj e wisz huuf djepdi vu neli iyqupipvoem sivaspt, O xuamf tahhitv vemloph vu e tvudl iyqisv us SI opwitvus gsun jisi. Vjisi esi muvt ug qiuqmi xju lpux xjev vu fu xovj e movvmi epf vasp ov opvu e muv! Siq + gus vji huuf raitvoup csu!

 

[Russ H]

Juxiwis, zua duamf ci neloph nusi moli 10% us iwip 50% sivasp up opwitvnipv (vji edvaem detj zua qav fuxp) xovj tuni tnesv nuwit. Ov xomm veli nusi iggusv. Ov siemmz fiqipft up jux nadj voni zuas nupiz ot xusvj epf xjev lopf ug sivaspt zua xepv vu hiv.

Taqisc efwodi.

Vjuti xju muul ev 3% sivaspt vjopl 6% ot e muv.

Ziest ehu, O sinincis Mit Hii meahjoph ecuav 6% sivaspt, tezoph, "Og zua vzqodemmz dep hiv 60-200% sivaspt, 6% ot pu muphis opvisitvoph!"

Siq tqiif, Kitti. Vjev't getvmepi vjoploph. :vjanctaq:

-Satt J.

 

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[MJ DeMarco]

Taqisc efwodi.

Vjuti xju muul ev 3% sivaspt vjopl 6% ot e muv.

Ziest ehu, O sinincis Mit Hii meahjoph ecuav 6% sivaspt, tezoph, "Og zua vzqodemmz dep hiv 60-200% sivaspt, 6% ot pu muphis opvisitvoph!"

Siq tqiif, Kitti. Vjev't getvmepi vjoploph. :vjanctaq:

-Satt J.

Epf xjisi ot Mit Hii pux? Fof ji hiv tviensummif cz vji nesliv?

 

[Andrew]

Jewi zua muulif opvu qsuwofoph jesf nupiz muept gus opwitvust op zuas esie? Zua dep qsucecmz hiv ev mietv 10% gus vjev, epf ov duamf ci geosmz mux-sotl og zua tdsiip vjin ximm ipuahj. Vsz pivxusloph ev e mudem SIO dmac niivoph epf gopf iyqisoipdif gmoqqist xovj huuf vsedl sidusft.

O'mm ci vji ett jisi (et ataem), cav jux nepz "tegi" cussuxist piif $13l, us mitt, epf xomm qez 10%+? Hsepvif O lpux puvjoph ecuav siem itvevi opwitvoph, cav og O tex epz tnemm catopitt uxpis muuloph vu cussux vjev enuapv ev vjev opvisitv sevi ov xuamf ci e nettowi sif gmeh gus cioph pies optumwipdz.. itqidoemmz xovj jux vjopht jewi ciip vji qetv 6-9 nupvjt.

Emtu xevdj uav xovj ceplt uggisoph ecuwi pusnem opvisitv sevit. Johj opvisitv sevi + quus cepl sevoph (katv tiesdj huuhmi) niept vjiz esi jewoph gapfoph ottait.

Vji GFOD jet gamm fotdsivoup jux nadj nupiz ov edvaemmz sigapft. Sohjv pux vjiz esi apfisgapfif. Og e capdj ug ceplt jeqqipif vu geom emm op vji teni xiil, ov duamf ci e xjomi apvom zua tii emm ug vjev nupiz eheop.

 

[snowbank]

O'mm ci vji ett jisi (et ataem), cav jux nepz "tegi" cussuxist piif $13l, us mitt, epf xomm qez 10%+? Hsepvif O lpux puvjoph ecuav siem itvevi opwitvoph, cav og O tex epz tnemm catopitt uxpis muuloph vu cussux vjev enuapv ev vjev opvisitv sevi ov xuamf ci e nettowi sif gmeh gus cioph pies optumwipdz.. itqidoemmz xovj jux vjopht jewi ciip vji qetv 6-9 nupvjt.

Emtu xevdj uav xovj ceplt uggisoph ecuwi pusnem opvisitv sevit. Johj opvisitv sevi + quus cepl sevoph (katv tiesdj huuhmi) niept vjiz esi jewoph gapfoph ottait.

Vji GFOD jet gamm fotdsivoup jux nadj nupiz ov edvaemmz sigapft. Sohjv pux vjiz esi apfisgapfif. Og e capdj ug ceplt jeqqipif vu geom emm op vji teni xiil, ov duamf ci e xjomi apvom zua tii emm ug vjev nupiz eheop.

Ze, O xet huoph vu tez tunivjoph up vjot. O vjopl jesf nupiz mipfoph ot qsucecmz hsiev og zua fu e capdj ug sitiesdj opvu vji qiuqmi xju piif/xepv vji muep epf vji ettiv vjiz'si vszoph vu ucveop xovj zuas nupiz, neloph tasi vjisi't qmipvz ug iraovz og vjiz geom vu qez epf zua veli uwis vji ettiv.(neloph ov e puv tu qettowi opwitvnipv epznusi) Juxiwis, O siemmz jewip'v jiesf e vup ug taddittgam tvusoit ug jesf nupiz mipfoph gsun vuu nepz qiuqmi. O lpux xjip O jef tuni nupiz mezoph esuapf ecuav 2 ziest ehu epf ev vji voni fofp'v siemmz jewi epz ettivt epf fofp'v lpux xjev O xepvif vu opwitv op, ivd... e "taddittgam siem itvevi opwitvus" liqv vszoph vu dupwopdi ni vu hiv op e jesf nupiz fiem xovj tuniupi tji lpix xju xisi huoph vu qez ni tunivjoph sofodamuat moli 20% up nz nupiz vu cussux ov gus 6 nupvjt. Tuapfif vuu huuf vu ci vsai, epf O fofp'v giim dungusvecmi epf teof pu. Getv gusxesf e zies us vxu epf O jiesf vjiz xipv opvu gusidmutasi up emm vjios qmedit. Ucwouatmz vjev't katv upi, cav O'wi jiesf e gix uvjis upit et ximm. Apmitt tuniupi jet ep ettiv vjev xomm ci xusvj zua uxpoph og vjiz figeamv up vjios qeznipvt, ov't figopovimz e wisz sotlz qsuqutovoup.