expired Posted by punjabisoldier • Jun 22, 2023
Jun 22, 2023 1:11 AM
expired Posted by punjabisoldier • Jun 22, 2023
Jun 22, 2023 1:11 AM
5.50% on 1 year Certificates of Deposit | Santander Bank
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79 Comments
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Someone taking a 24% loan is like an employee telling me they "ran out of overdrafts" at the bank and could not afford the $72 for the 10 mile uber ride to come to work.
Someone taking a 24% loan is like an employee telling me they "ran out of overdrafts" at the bank and could not afford the $72 for the 10 mile uber ride to come to work.
A car dealer tells you the payments are $350mo. It's 10% of your take home but 80% of your pay in your pocket is better than losing your job. Interest rate never even comes into consideration in many of these situations. Getting to your job, feeding your kid and surviving another 6mo is all that matters.
Not everyone has the luxury of saying "24%? that's for idiots."
the bank doesn't even make a killing because the risk adjusted real return is probably 7% due to how many people default on the 24% loans.
Is it worth having your money stuck for a year?
How are the rates looking? It seems like they're still heading up
Is it worth having your money stuck for a year?
How are the rates looking? It seems like they're still heading up
T Bills aren't callable and they're not taxable via state income taxes.
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rather do 1 month 5% cds and I will bite. tyvm I know the treasury bill rates and also monitor them daily.
or 2 months at 5.25%
or 3 months at 5.5%
https://www.bloomberg.c
banks need to pay higher than 1-3 month treasuries else you are dumb to open these CDS
12 month they make money on you being stupid.
A car dealer tells you the payments are $350mo. It's 10% of your take home but 80% of your pay in your pocket is better than losing your job. Interest rate never even comes into consideration in many of these situations. Getting to your job, feeding your kid and surviving another 6mo is all that matters.
Not everyone has the luxury of saying "24%? that's for idiots."
the bank doesn't even make a killing because the risk adjusted real return is probably 7% due to how many people default on the 24% loans.
the jobs are pointless then like in CA bay area right now or NYC or LA lots of useless jobs that should be removed just because they cannot pay shit.
rather the business owner offer shelter and transportation at least as a bare min to work its basic slavery model
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