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Looking for FDIC Bank with Good Rates
Asked by M.H. from Chicago
on March 20, 2009
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I'm looking to open an account at a FDIC bank with good interest rates and customer service, I want to do a CD account, any suggestions, Thanks
Answers
- If you are in the northern suburbs I would look into State Bank of the Lakes. They are small (yes, FDIC) and it is so nice to walk into your bank and have them not onl...
- Look into a local community credit union. They are FDIC insured but instead of being out to make a profit they are out to make you money since every member has a stake...
- Hi My name is J. and I am a licensed in securities. I can share with you some very safe investment options that would give you a much better rate of return than goin...
Savings for Junior
Asked by A.E. from Minneapolis
on January 12, 2009
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Hello, Supermoms!
My hubby and I have received some cash gifts for various occasions since our boy was born. We've just been tucking them in his "piggy bank" so far...
Answers
- We have our daughter's money in a CD. At our Credit Union it is called a certificate plus because you can add money to it. It has a slightly lower interest rate than...
- We have our kids' money in CD's. Just shop around for the best interest rates, and don't forget to renew them when they mature. They do make money.
- I use the MN college savings plan for my children and my nephews. It's a 529 plan through TIAA Cref. The cool thing is that MN has a matching program for MN resident...
Dad's Spending Limits
Asked by J.K. from Birmingham
on October 28, 2006
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Does anyone have any advice on how to put a stop to my husband's spending habits. His mother and grandmother always gave him money and more money and every thing else ...
Answers
- It will take some time, but I think that if you quantified it for him, how much he spends, and what debt you have, it might let him see what he is doing to your future...
- You have a lot of great advice on here. Although I don't think that things would disappear to sell on ebay, that could cause some MAJOR problems in the marriage as we...
- J., For lack of better words...nip this in the bud now before you get into severe financial trouble. If you need to have a meltdown to get his attention...do it. ...
Online Savings Accounts
Asked by S.D. from Chicago
on September 11, 2009
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Hi - I was hoping I could receive some recommendations for online savings accounts that have a higher interest rate than the below 1% I'm currently receiving from my b...
Answers
- You can get some great info from Bankrate.com under the link for checking/savings. I use the site all the time to compare rates and get advice. I have heard great th...
- Hello, We have online savings accounts for ourselves and our daughter and the interest is much better than at our local bank; it fluctuates, of course (it was 2.75 wh...
- ING :-) as the other say. I am nbanking with them for about 10 years now. Easy online access. I can refer you and if you deposit a starting balance of $250 you will g...
Financial Suggestions
Asked by M.M. from Dallas
on December 8, 2010
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Good Afternoon,
I am in need of good suggestions on how to make it throught the month. it seems like i always end up with negative #'s in my bank and i am living payc...
Answers
- Dave ramsey!!!!!!!!!!
- is your paychecks about the same every week? what I do is I make a list of all our bills on a calender how much they usually cost and what week I will pay them. and I ...
- unplanned purchases are usually the places where we bleed. Try this: ONLY spend cash. Get yourself an envelope and keep it in your purse with your cash in it. Ever...
Am I the Only One Broke???
Asked by B.K. from Austin
on September 7, 2010
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Our family lives paycheck to paycheck. The money is spent before we see it in the bank. Am i the only one? I am a stay at home mother of 3 children. Oldest 13 year...
Answers
- I've been a SAHM for the past 13 years. I don't feel guilty about spending money because we try to spend it wisely. I'd feel guilty if I was spending money and didn't ...
- Like lots of other moms said, I highly recommend the Dave Ramsey Financial Peace University (FPU) or you could probably even borrow the Total Money Makeover book from ...
- You should definitely check out Dave Ramsey's program. I was a stay at home mom and right now working a contract job part time that I can take my son with me. We had a...
What to Do with a Large Sum of Money Given to Kids
Asked by V.M. from Erie
on July 26, 2010
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i guess i need to edit to say "Investing in what is a large amount to ME" My kids both recieved $300 from my grandmother's estate. They have some $50 savings bonds...
Answers
- I think what you do with it depends on what you're trying to do? Are you trying to teach your kids about saving? Investing? Putting aside money for college? I ...
- You could check into some money market accounts. I don't know how much is required to open one, but $500 should be plenty. You can put all $600 in one account, and t...
- I'm surprised no one has mentioned a 529 yet. If it's for your kids, I'd put it into something that has a dedicated purposed like a 529 which is for higher eduction...
Some Horrible Person Broke into My Car Last Night!!!!
Asked by A.K. from Los Angeles
on January 12, 2011
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Hello Ladies,
I need some kind words. So last summer my husband and I went to Paris for my birthday and as a surprise he bought me a Louis Vuitton purse and wallet. ...
Answers
- Wow! Just wanted to say how sorry I am! I did something similar many years ago (before kids so no mommy brain excuse). I had closed at work and was so exhausted. I...
- Sucks! You have done all you can do. I do not know why we have to learn these lessons but a lot of us have had the same lesson shoved un us, myself and hubby inc...
- It is devastating to have someone go through your things,But now it's time to clean up the mess.You knew you forgot the purse but the car was locked still not an excus...
I’m in a Financial Battle with My Husband
Asked by A.E. from Chicago
on November 2, 2008
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Hello Moms,
This is not a normal request you see on this site but I’m hoping there may be some moms out there that can help me realize I’m either wrong or right...
Answers
- If I understand this correctly, you're paying 10.75% interest on this loan, and the bank is giving you 2% on your money. Wouldn't you be saving 8.75% by paying it off?...
- Everyone that has posted a response makes sense. But you have to consider many points. First, if you refi, then think about the fees you will have to pay to do so. ...
- Of course the bank wants you to keep the money in your savings account - if you take it out you're taking it from them and their ability to reinvest in their own schem...
Finances-How Have You Handled Situations?
Asked by K.B. from Salt Lake City
on December 26, 2010
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Are there certain things your husband and you do regarding finances? This is an area that I struggle w/and have for most of my adult life. I want to improve. I mig...
Answers
- I was off work for a year and a half and got waaaaaaaaaaaay behind on my house payments. Like way behind, almost to the point of forclosure. My mortgage company woul...
- You've gotten a lot of good responses so far. I'll only add a couple things. As far as Dave Ramsey, if you don't want to spend money on one of his books or programs ri...
- I agree - Dave Ramsey! He knows what he's talking about & his program works!! Good luck :)
