Banking

[aunt betty]

Simple rule.
If you dont have it, dont spend it.
Brilliant investment strategy.
Try it sometime.

You all are way better than me. Quit trying to prove it.
I am not even disputing that. Better jobs, higher credit rating and debt, nicer homes, better boat, hotter wives, and bigger pickup trucks. I kill fucking way fucking more ducks for way less money. That is a fact.
Ok?

I still hate banks. Fuck you.

[goodkarmarising]

Simple rule.
If you dont have it, dont spend it.
Brilliant investment strategy.
Try it sometime.

Make your money work for you. Simple investment strategy. While I'm sitting here at work, my money sitting in my retirement accounts is making money for me. Try it sometime.

[Tomkat]

I made $10,000 dollars this year from my investments.

I pay cash for everything.

I am hoping for a market correction so I can REALLY buy shares. I buy and hold.

When 9-11 happened, the amauters ran like quail. I gobbled up shares and made a mint from it.

So please, by all means, spread fear in the market. Every time it happens, I get rich.

[assateague]

Until you don't.

[jehler]

I hope to die millions in debt

[jarbo03]

I hope to die millions in debt

Fuck yea! I have not had a loan in over 5 years, I do have a checking account. My bank has not charged or cost me a single cent since my account opened. You don't have to borrow for a bank to be useful. When my jar gets full of coins and $1 bills, I will deposit it, I like the safety.

Sent from my SPH-D710 using Tapatalk 4 Beta

[Tomkat]

Until you don't.

Yeah, but I have faith in human nature. The market is ran by 2 emotions- fear and greed.

I buy and hold.

50/50 brother.

[aunt betty]

I hope to die millions in debt

Fuck yea! I have not had a loan in over 5 years, I do have a checking account. My bank has not charged or cost me a single cent since my account opened. You don't have to borrow for a bank to be useful. When my jar gets full of coins and $1 bills, I will deposit it, I like the safety.

Sent from my SPH-D710 using Tapatalk 4 Beta

Cash is king..until you're in line at the store and ppl who have plastic money are waiting.
WTF is wrong with cash?

Some of you have been brainwashed into thinking you can not protect your own assets. (cash)

You better let me hold your guns for your own protection when you aren't hunting.
I'll insure them and only charge you a small fee. For your safety, you know?
I guarantee you will not be killed with them.
It's an honest and safe way to protect yourself. Who knows what might happen if someone got ahold of one? You owe it to yourself and family to be as safe as possible. You feeling me?
You better let me store your car at night too. Ya never know what might happen. Fully insured by FDIC(parking).

If I ran about 5 billion dollars in ads on the boob tube and internet... you'd believe that too.
By the way, "a diamond is forever".

I remember "travelers checks" and them commercials..."don't leave home without them".
You use those too?

[Willie]

Who financed the mortgage meltdown and Great Recession? Banks

[goodkarmarising]

Cash in your drawer at home rate of return....0%
Average mutual fund rate of return.....10% to 12%
Retiring with some dignity....Priceless

[aunt betty]

Who financed the mortgage meltdown and Great Recession? Banks

BINGO!
Some of the costliest mistakes that harmed the most people in the worst possible ways were made by banks that are too big to fail. Why hate on them? WHY? Don't even say the word "accountability".
Trust me...if I costed you a couple/hundred/thousand/million/billion dollars, you'd be hatin.(even one dollar)

[jarbo03]

I hope to die millions in debt

Fuck yea! I have not had a loan in over 5 years, I do have a checking account. My bank has not charged or cost me a single cent since my account opened. You don't have to borrow for a bank to be useful. When my jar gets full of coins and $1 bills, I will deposit it, I like the safety.

Sent from my SPH-D710 using Tapatalk 4 Beta

Cash is king..until you're in line at the store and ppl who have plastic money are waiting.
WTF is wrong with cash?

Some of you have been brainwashed into thinking you can not protect your own assets. (cash)

You better let me hold your guns for your own protection when you aren't hunting.
I'll insure them and only charge you a small fee. For your safety, you know?
I guarantee you will not be killed with them.
It's an honest and safe way to protect yourself. Who knows what might happen if someone got ahold of one? You owe it to yourself and family to be as safe as possible. You feeling me?
You better let me store your car at night too. Ya never know what might happen. Fully insured by FDIC(parking).

If I ran about 5 billion dollars in ads on the boob tube and internet... you'd believe that too.
By the way, "a diamond is forever".

I remember "travelers checks" and them commercials..."don't leave home without them".
You use those too?

Thise voices in your head are your own, take off the tin foil hat.

Sent from my SPH-D710 using Tapatalk 4 Beta

[Tomkat]

Cash in your drawer at home rate of return....0%
Average mutual fund rate of return.....10% to 12%
Retiring with some dignity....Priceless

^^^^^^^^^^^^^^THIS ^^^^^^^^^^^^^^^^^^^^^^^^

[Willie]

Cash in your drawer at home rate of return....0%
Average mutual fund rate of return.....10% to 12%
Retiring with some dignity....Priceless

^^^^^^^^^^^^^^THIS ^^^^^^^^^^^^^^^^^^^^^^^^

Where are you getting a 10-12% avg rate of return? That's a serious question. PM if you'd like...

[assateague]

Making shine would be a pretty good rate of return, also.

[goodkarmarising]

Cash in your drawer at home rate of return....0%
Average mutual fund rate of return.....10% to 12%
Retiring with some dignity....Priceless

^^^^^^^^^^^^^^THIS ^^^^^^^^^^^^^^^^^^^^^^^^

Where are you getting a 10-12% avg rate of return? That's a serious question. PM if you'd like...

I am in a different boat than most of ya'll on here..As a federal employee I invest into TSP...thrift savings plan available to Military and Federal employees. My rate of return for the last 12 months was 16.09%. I have 10% of my gross pay going into it every month off the top so I don't get used to seeing it in my paycheck. I am a firm believer in paying yourself first.

[Willie]

Cash in your drawer at home rate of return....0%
Average mutual fund rate of return.....10% to 12%
Retiring with some dignity....Priceless

^^^^^^^^^^^^^^THIS ^^^^^^^^^^^^^^^^^^^^^^^^

Where are you getting a 10-12% avg rate of return? That's a serious question. PM if you'd like...

I am in a different boat than most of ya'll on here..As a federal employee I invest into TSP...thrift savings plan available to Military and Federal employees. My rate of return for the last 12 months was 16.09%. I have 10% of my gross pay going into it every month off the top so I don't get used to seeing it in my paycheck. I am a firm believer in paying yourself first.

Damn, that's pretty cool. I'm going to send you some $$ every month for you to put in your account for me and will give you a point or two for your trouble. I'd still come out ahead of what I'm getting now.

[Willie]

I refinanced my mortgage yesterday and ended up lowering it 2 full points. It took a while, and the bank wanted something different every day and wanted things from over three years ago, but the savings are worth the hassle. If they'd been more diligent 6 years ago, this country would be a lot better off.

[aunt betty]

What is up with a bank NOT counting money in front of the customer?
According to our bank...my wife and I both can't count change. We haven't agreed in 30 years with the bank when it's more than 25 dimes.

Double-counting it. Then the cashier takes the money into another room, comes back and says, "there was X amount" and we have never, ever agreed. EVER!

Usually it's only a few cents but they have also never found out there was more than what WE counted. Ironic...isn't it?
We always count our change and turn it in and the bank ALWAYS gets it wrong.
Counting money is something we ALL do perfectly well until a banker gets involved.

[Bootlipkiller]

My credit union always counts my money in front of me.

[assateague]

Coinstar.

[Bootlipkiller]

Coinstar.

[assateague]

I'm (***edit by mod)-rich every time I go in there with a tobacco tin full of change.

[goodkarmarising]

@Willie...check out Dave Ramsey's website and find a ELP financial adviser...endorsed local provider. They should be able to set you up in some mutual funds that provide the 10% to 12% average rate of return with low expense costs.

[Willie]

@Willie...check out Dave Ramsey's website and find a ELP financial adviser...endorsed local provider. They should be able to set you up in some mutual funds that provide the 10% to 12% average rate of return with low expense costs.

I will check it out. Thanks, gkr!

[ManlyMan]

Get a Schwab or equivalent account.

Unlimited checks
No ATM fees
Mobile deposit
No fees


If you have a bank that charges fees or money for any of the above you're a sucker.

[Tomkat]

I dont have a swab or a kotex account, but I also dont pay any fees.
My checking is free.

I have the cabelas visa, I pay it off every month. I saw on my statment this week I have $180 in points (free stuff) so I will be getting some neoprene waders soon.

[ManlyMan]

So if you go to a casino or strip club ATM you get reimbursed for the 9 dollar "convenience fee" from your bank?

[huntall6]

Cash in your drawer at home rate of return....0%
Average mutual fund rate of return.....10% to 12%
Retiring with some dignity....Priceless

^^^^^^^^^^^^^^THIS ^^^^^^^^^^^^^^^^^^^^^^^^

Where are you getting a 10-12% avg rate of return? That's a serious question. PM if you'd like...

I am in a different boat than most of ya'll on here..As a federal employee I invest into TSP...thrift savings plan available to Military and Federal employees. My rate of return for the last 12 months was 16.09%. I have 10% of my gross pay going into it every month off the top so I don't get used to seeing it in my paycheck. I am a firm believer in paying yourself first.

Working your way to a zero credit score is fun, isn't it

[goodkarmarising]

Heck yes it is. I will have 4 lines of credit closed down this year and am a recovering credit card user.