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I miss the ING days of 5% savings
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I never hear anyone talk about CUs outside of NT.
I use Chase cause there's branches all over the place and Quick Pay is convenient as hell.
Can y'all put me on to credit unions?
Why should I make the switch?
Northpointe Bank is currently offering 5% on their checking account.
I miss the ING days of 5% savings
It's illegal to put cash on hold. If they have questions where it came from, they'll file a SAR and the FBI or IRS can look into it.Go to a credit union, but be warned that they're not all that convenient. Ex. I deposited 4k cash into my local credit union and had 3k on hold for a few days, that **** had me hated but oh well
I miss the ING days of 5% savings
Don't be scammed about 'interest' !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
You should NEVER HAVE TO PAY A BANK to hold your money. NEVER!! Go do research.
Same goes for most financial products. Just because you're comfortable with the payment doesn't make it the best deal out there. Life Insurance prices have taken a dive over the past 3 years too.Working at a financial institution, I've seen many people who know near nothing about banking and they range from retail to construction to business owners and even to doctors. Everybody needs help, some might not even know it. Some people have been paying 5% on their mortgage for 15 years and are comfortable making the payment every month but don't know they can refinance the loan to 15 years and reduce the interest to 3.5% and save thousands for the rest of the term.
I got in when you can walk in and just ask for 500k and they'd give it to you.
Same goes for most financial products. Just because you're comfortable with the payment doesn't make it the best deal out there. Life Insurance prices have taken a dive over the past 3 years too.
Do the math! If not, let the experts entertain this idea for you. You can't GUESS. You need numbers to show you.
I got in when you can walk in and just ask for 500k and they'd give it to you.
Should I try and refi based on todays standards or just send the extra $100-200 a month to stay on track for 30 year to be paid down in 15?
It depends what your current rate it, what your scheduled payoff period is, how long you'll be in the house, and what the closing costs are.I got in when you can walk in and just ask for 500k and they'd give it to you.
Same goes for most financial products. Just because you're comfortable with the payment doesn't make it the best deal out there. Life Insurance prices have taken a dive over the past 3 years too.
Should I try and refi based on todays standards or just send the extra $100-200 a month to stay on track for 30 year to be paid down in 15?
I'm with BoA and don't mind it, and they're everywhere, but chase quickpay is so damn nice I'm hurt BoA doesn't have an equivalent option.
Do the math! If not, let the experts entertain this idea for you. You can't GUESS. You need numbers to show you.
No one knows your situation, no one knows how deep you are into the mortgage, what type of loan you have, what your cash flow scenario looks like.
Since its income property I get different aprs. I'm asking in general cause I haven't dealt with current regulations. I want to purchase another house so if refi is gonna help or hinder me I'd like to hear about it
I never even peeped that under the transfers tab in the app. I'll have to look into itBOA has a option to transfer to people with accounts at BOA. I use it all the time with my family to split bills or whatever the case may be.
Im sure its similar to Quick pay with chase
owe 136k, value at 600k.Thats why, no one knows and you need to be specific. Is your next property going to be another investment property? I believe investment props are higher in rates.
Whats your equity situation like?
owe 136k, value at 600k.
Me and the wife are done with tenants and being land lords so we're looking for a single family.
Based on new regulations we dont qualify to keep both houses cause everything in L.A. is high 4s right now.
Thanks.but income flow man. i think you are fine. you are a smart man. cash flow is good. cap gains is absurd cuz or obama the crook.
i dont see any sense in refinancing 136k into a 15 year?
I never even peeped that under the transfers tab in the app. I'll have to look into itBOA has a option to transfer to people with accounts at BOA. I use it all the time with my family to split bills or whatever the case may be.
Im sure its similar to Quick pay with chase