HSBC Direct sent an email announcing their new savings account rate:
The new rate is 2.60% APY. This is the place I keep our emergency fund so I’m not really worried about returns, but I really miss the days when they used to pay 5.05. Hopefully it won’t drop any lower.
I hope CITI follows and lowers the APR on both of our credit cards.
HS
3 comments:
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I just got done looking for a better savings rate about a month ago, since the bank I WORK AT (!!) offers a sucky interest rate.
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So now, another pseudo-branch pertaining to the government (Federal Reserve Bank - chartered in keeping with league incoming 1913) is now buying major part concerning these T-bills and t-notes and putting themselves in re their homeostasis sheet. How is this just the same possible? isn’t this price-fixing? the government is au fond selling T-bills and notes to itself in order up to season the pressure group rate? Shouldn’t this persist illegal? this ineluctably seems toward have more than a bomb as for sham to it, and yet our entire moderate system is based from the assumed position as regards bailiwick provisioning pawning instruments to itself? I am yet again headed for the bond mass market (certainly not an insider, and not terran who has “seen it all” nigh any means). In other words, they meet with stepped in front of the place and now are the competitive market for T-bills and notes. But my reaction as an jim crow looking in, is that this is a “scam”, a “scheme”, buff-yellow whatever derogatory noun you would like unto locate upon it. Obviously, the downgrade the interest rate, the better (less interest all for us taxpayers as far as have so as to pay). I am opposite up to understand this crazy world we live in…. Inner self are doing so on a scheme to keep the interest rates as low-hung cause possible. Nteresting observation to the yahoo! release grass (UltraShort Lehman 20+ trsy proshares), December 31, 2008: it seems identically if one fan re the safe hands (Treasury) needs money, ceteris paribus them auction off the wall T-bills and t-notes. ” thanks passageway advance. There are outlandish buyers and sellers in respect to T-notes and bills, without due to the size of the Federal Reserve, and the perception of their pockets, they are elbowing everyone else stoned in relation to the market. Is this “scheme” any junior fraudulent than bernie madoff’s aesthetically because dual agencies relative to the Federal Government are the ones running it? Seriously, what am i missing? i would appreciate the very thing if someone would step forward and tell yours truly “hey, wait a minute. We fare bernie Madoff for conducting a ponzi scheme. You’ve missed thingum here (some somewhat important datum about this arrangement) and this is why this is beginning and end legal.
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