Comments on: Emigrant Direct LOWERS Rate to 5.05% http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html personal finance blog with anecdotes, advice and commentary. Sun, 22 Nov 2009 06:04:27 -0500 http://wordpress.org/?v=2.8.5 hourly 1 By: King Asa http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html/comment-page-1#comment-33922 King Asa Fri, 20 Oct 2006 14:24:24 +0000 http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html#comment-33922 Emigrant has been pretty competitive with their rates, but their website has been regularly pissing me off lately. It has been inaccessible on several occasions when I attempt to log in. They need to greatly improve their web server reliability in order to keep a respectable image. Emigrant has been pretty competitive with their rates, but their website has been regularly pissing me off lately. It has been inaccessible on several occasions when I attempt to log in. They need to greatly improve their web server reliability in order to keep a respectable image.

]]> By: jim http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html/comment-page-1#comment-28707 jim Sat, 30 Sep 2006 03:13:31 +0000 http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html#comment-28707 I wouldn't buy CD's yet but if you read any news you'll hear whispers about how the Fed might lower interest rates because of a potential slowdown... if the whispers become more of a dull roar, maybe moving to a CD would be smart. Think about how there were "sky is falling" type stuff at least <strong>six months</strong> before the housing market slowed down... economics doesn't move that quickly. :) I wouldn’t buy CD’s yet but if you read any news you’ll hear whispers about how the Fed might lower interest rates because of a potential slowdown… if the whispers become more of a dull roar, maybe moving to a CD would be smart. Think about how there were “sky is falling” type stuff at least six months before the housing market slowed down… economics doesn’t move that quickly. :)

]]> By: Herb http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html/comment-page-1#comment-28700 Herb Sat, 30 Sep 2006 02:17:18 +0000 http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html#comment-28700 I'm not a fan of buying CD's yet... I think we've got until the end of year to figure out where rates are going. T-Bills have plunged because the Fed has stopped raising rates, but I'd expect things will begin to clear after the elections. We still have to see where housing ends up as well... I’m not a fan of buying CD’s yet… I think we’ve got until the end of year to figure out where rates are going. T-Bills have plunged because the Fed has stopped raising rates, but I’d expect things will begin to clear after the elections. We still have to see where housing ends up as well…

]]> By: Golbguru http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html/comment-page-1#comment-28649 Golbguru Fri, 29 Sep 2006 20:42:23 +0000 http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html#comment-28649 Well its not a noticeable drop right now, but the trend doesn't look too good (and it messed up my calculations a bit in my last post) :(. Do you think it's time for locking in a good 5 year CD? ...I would guess it is. Well its not a noticeable drop right now, but the trend doesn’t look too good (and it messed up my calculations a bit in my last post) :( .

Do you think it’s time for locking in a good 5 year CD? …I would guess it is.

]]> By: samerwriter http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html/comment-page-1#comment-28644 samerwriter Fri, 29 Sep 2006 19:56:42 +0000 http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html#comment-28644 If you have $10,000 invested in Emigrant, the lower rate will mean $10 less over the course of a year. After taxes, it's more like $6 less. Is it worth noticing? Maybe. Is it worth worrying about? Definitely not. Though you're right -- they're basically playing games with rates to attract money. If you're tired of banks playing games to get your business, Vanguard's Prime Money Market offers attractive rates without the games, and an easy path to investing in a broader array of the best index funds available. If you have $10,000 invested in Emigrant, the lower rate will mean $10 less over the course of a year. After taxes, it’s more like $6 less. Is it worth noticing? Maybe. Is it worth worrying about? Definitely not.

Though you’re right — they’re basically playing games with rates to attract money. If you’re tired of banks playing games to get your business, Vanguard’s Prime Money Market offers attractive rates without the games, and an easy path to investing in a broader array of the best index funds available.

]]> By: CK http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html/comment-page-1#comment-28638 CK Fri, 29 Sep 2006 19:02:51 +0000 http://www.bargaineering.com/articles/emigrant-direct-lowers-rate-to-505.html#comment-28638 This is a pretty stupid move. I'm going to open an account with Ford Motor Credit currently at 5.64% and 5.79% at 15K and 5.94% at 50K. It's of course not guaranteed but I'm not losing any sleep over it. ( http://www.fordcredit.com/interestadvantage/index.jhtml for those interested and no I'm not connected. ) This is a pretty stupid move. I’m going to open an account with Ford Motor Credit currently at 5.64% and 5.79% at 15K and 5.94% at 50K. It’s of course not guaranteed but I’m not losing any sleep over it. ( http://www.fordcredit.com/interestadvantage/index.jhtml for those interested and no I’m not connected. )

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