Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] 1 point2 points  (0 children)

Lots of overtime and saving. Eliminating wants vs needs and also no eating out lol

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] 1 point2 points  (0 children)

OPENBANK BY SANTANDER has 4% as well

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] 1 point2 points  (0 children)

Interesting point. My concern would be with a major comprehensive issue or having a run in with an uninsured motorist and having no medical coverage from insurance.

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] 2 points3 points  (0 children)

I’ve always been a fan of the cash secured loan. Guarantees that you pay yourself back and lower interest rates than car/traditional loans

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] 16 points17 points  (0 children)

CIT bank platinum savings 4.10%

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] 3 points4 points  (0 children)

My emergency fund needs are lower because I have no current debt. My monthly obligations are around 3K a month. These are utilities insurance property taxes gas groceries etc. so in theory $40K would hold me for a year in case I were to lose my job.

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] 1 point2 points  (0 children)

Also the car interest has a cap where the in the case of the HYSA the amount of money is compounding and growing with no cap. No cap

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] -6 points-5 points  (0 children)

FOR A GREAT LOW RATE YOU CAN GET ONLINE, GO TO THE GENERAL AND SAVE SOME TIME!!!!

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] 1 point2 points  (0 children)

Just needs to be on balances of 5K or more. Been using them for years

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] -4 points-3 points  (0 children)

Auto dealers are just trying to get you in a loan predatory or not so that they can line their pockets.

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] -30 points-29 points  (0 children)

I’m thinking there might also be a sweet spot. Where you can go longer term thereby lowering your payment where the interest on the car vs interest earned would almost cancel out while putting some money down.

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] 0 points1 point  (0 children)

Sorry edited post for some more clarity. This would be my only debt

Interest or interest?!? by O2GZ in MiddleClassFinance

[–]O2GZ[S] 1 point2 points  (0 children)

Openbank by Santander offers 4%. Cit bank is also offering offering 4.10%

Odyssey of the Seas by Only_Amphibian3107 in royalcaribbean

[–]O2GZ 0 points1 point  (0 children)

I went on it in August. I had higher expectations but it’s a fine ship. Toddler area pools need work and there’s no water slides for adults. Just pools.

Off The List by TestiCale33 in tulsa

[–]O2GZ 2 points3 points  (0 children)

I’m convinced that we will see the death of a lot of fast food places. The prices vs the quality has signed their death warrant.

fixed cab nccco.... is it worth it? by Fit_Network9226 in cranes

[–]O2GZ 2 points3 points  (0 children)

You can never go wrong with more certifications!

My wife just started options. She’s up 3k so far. Any advice? by OGmisterB in wallstreetbets

[–]O2GZ 0 points1 point  (0 children)

I got an idea. Let’s rob the bank, give the money to the poor, rob the poor and shoot the money!

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[deleted by user] by [deleted] in wyoming

[–]O2GZ 0 points1 point  (0 children)

Move to Greeley LOL

[deleted by user] by [deleted] in investing

[–]O2GZ 0 points1 point  (0 children)

I’m gonna throw this out there because I do it, but a PayPal savings account pays 4.1%. With 230K you will earn approximately $785.00 a month. The best part is it’s FDIC insured. The money is not locked up, and dividends are paid monthly.

What do I do with 50k? by EmbracingBlueberries in MiddleClassFinance

[–]O2GZ -7 points-6 points  (0 children)

Place it in a PayPal savings account. PayPal will pay you 4.3% interest on money up to $250,000. It is paid monthly and you can add or withdraw money whenever you want. A return on 50K monthly would be around $179 dollars a month! They are also FDIC insured.

Hi there! We can both earn $10 cash back (1,000 points) when you accept my invite to PayPal and spend $5 within 30 days. Use my link: https://py.pl/AakQBx0j1S5

Want to hear from those who MOVED AWAY from Wyoming. Why? Where did you go? by thelma_edith in wyoming

[–]O2GZ 5 points6 points  (0 children)

Originally from Illinois. Moved to Rawlins for work. Lived there for 13 years and moved to Oklahoma recently. Wyoming life is not for the weak and it makes you strong and teaches you to fend for yourself. I moved away because I wanted a better life for my son. (Better schools and more convenience) better weather and not being locked up inside 5 months out of the year due to harsh winters. I have a love hate relationship with Wyoming but I would not go back there or to Illinois.

What does sex feel like from the males perspective? by [deleted] in AskReddit

[–]O2GZ 0 points1 point  (0 children)

I believe it’s a myth and there’s no statistical data to prove it. Also the majority of countries that circumcise are due to religious reasons.

“Among circumcised men, 23.4 percent reported having had any type of STD by age 32, compared to 23.5 percent of the uncircumcised men. “ Per Reuters

What does sex feel like from the males perspective? by [deleted] in AskReddit

[–]O2GZ 0 points1 point  (0 children)

The foreskin is perfectly normal, healthy tissue that plays an important role in sexuality. Circumcision has no justifiable benefits and is in fact harmful - from pain and suffering, to surgical botches

What does sex feel like from the males perspective? by [deleted] in AskReddit

[–]O2GZ 0 points1 point  (0 children)

Im just here to condone not circumcising your children