Your obscene exaggerations of the things I say and twisting of my words is ridiculous. Your misunderstanding of the issues is also off-putting.
LOL! please discuss my exaggerations & misunderstandings. tyia
If you can't accept facts and accept reasonable debate, don't debate.
what facts am I unable to accept?
Don't twist the words of others to things which they did not say and try to make them bad.
where did I do that?
Also, don't separate my paragraphs where each sentence is tied to the next so that individual pieces can sound like things they are not.
they sound ridiculous, irrespective of form.
Nothing that I have said is factually wrong
$500 was NOTHING.
$2.45 was NOTHING.
savings accounts LACK liquidity
that's there's NO way to use an online bank & withdraw a lot of cash from a bank branch
that a fixed annuity was better than a high-yield savings account for somebody who needs quick access to cash for short-term needs.
the list goes on & on...
- I never used a definitive in any of the opinions I posted and clarified between them and fact. You continual use of the word "everyone" was never used in my posts. Did I say that my opinions were true for everyone? Nope.
let's look for the IMPLIED everyone:
$500 is NOTHING.
$2.45 is NOTHING.
I asked if you could see why somebody would want to use a high-yield savings account. you said:
"No, honestly I can't."
you also presented your TWO experiences with the FDIC as what EVERYONE would experience with the FDIC.
Do I have a lot of money? No.
Is $500 important to me? No.
great. send it to me.
I care more about my experiences in life and save money in the large areas.
outstanding! please share your MONEY-SAVING SECRETS in a NEW THREAD!
If you're looking for a great return, lets say 14.99% - pay off your credit cards.
lolwut? the OP never asked about earning a GREAT return. he just wants a place to store some short-term cash.
please create a DIFFERENT THREAD for your GREAT-RETURN TIPS.
If you're looking to lose 30-50% over the next two years - buy a new car.
LOL! we're now discussing NEW-CAR BUYING.
I'm happy to try and help, but individual goals are different and assuming that the goals of the OP are different than my goals isn't an assumption you can make without actually asking for his wants and needs.
it's very SIMPLE, bro. he WANTS us to recommend a high-yield savings account with no fees & no min. balance.
I'm not afraid to have an open discussion - there is also no winning and losing here. The competition in your posts is plain dumb.
don't worry! I'll give you some rep. points JUST FOR PLAYING!
Your insinuation that someone asking about a high-yield no minimum account (who isn't able to use Google to find it) also has the capacity to decide which one is best for them is off base.
LOL! how do you know he can't google it? perhaps he did & wanted us to THIN the herd for him.
you know like, "this one's good because the rates are consistently high; customer service is usually excellent, and it can be paired with a checking account for simple, one-click transfers!
If you can't find the accounts with easy tools readily available online, you probably don't have the capacity to decide which is best as a monetary instrument.
LOL! nice job of INSULTING the OP.
ever stop to think that:
maybe he's just lazy (very understandable)
has already picked out one & is just looking for CONFIRMATION that it's LEGIT?
Also, a savings account IS an investment - it fits the definition just as any other product would.
BUT it's NOTHING like the investments you mentioned (fixed annuity, growth stocks).
While your approach may be to provide a quick link to a specific account (which you didn't, by the way
- you threadjacked to make me sound bad instead and provided no real advice)
LOL! I suggested Barclay's & Ally, which both fit OP's parameters.
you did the "sounding-bad" part all by yourself.
my thoughts would be different and I would try to discover what the real need is before making a recommendation. I ultimately care what the OP is looking for and would like to provide real-world advice that will have real success.
great. then SUGGEST a high-yield savings account & tell him why it ROCKS!
I'm not going to go through your post and separate out the sentences to respond.
yea, if I were you, I wouldn't do that either. good call.
I'm not backpedaling on anything that I've said and if you ask a specific question I will answer.
ok, start by answering this specific question:
"LOOKING FOR HIGH INTEREST SAVING ACCOUNT WITH NO FEES AND NO MIN BALANCE, SUGGESTIONS?"
I don't need to defend myself or my experiences to you.
link to where I claimed you did?
I'm not going to reply if something is written back in your previous format.
why is STYLE NOW an issue? NOTHING to say SUBSTANTIVELY?
Write in full paragraphs and thoughts and produce some original input if you're looking for a further conversation.
damn! you're still confused. this thread isn't about US. we've here TO RECOMMEND A HIGH INTEREST SAVINGS ACCOUNT WITH NO FEES AND NO MIN BALANCE.
I already participated....your turn!
Last edited by financechick; 08-10-2012 at 09:22 PM..
Financechick, with a post that was THAT long, someone might read it hoping for useful content. They would be wasting their time. You talked about providing an answer to the OP like 6 times, but all you did was say that someone else didn't answer the OP..
Both of you guys fighting isn't getting anyone anywhere. You're both fighting, and you're both losing, because this is the internet. If you fight on the internet, you're already losing, because.. Nobody cares .
As for a real answer, OP, check your local banks/credit unions and see what they offer. Online options probably won't get you the same return. My real advice though would be to find a checking account that you like, where you can easily grab your cash (without ATM fees), and has good customer service. Then, when you're looking to invest your money in something with a useful return, find a better investment vehicle than a checking/savings account.
Since you're looking for a no min. balance account, that suggests that you're not investing a lot of money into it, which means that even with a 2% return, you're looking at maybe $20 if you're lucky. Most high-interest accounts (anything with more than 1%) have requirements such as direct-deposit or a minimum number of transactions. For all the hassle, the better investment, in my opinion, is to save yourself the hassle.
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