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I can't say that I'm surprised. I never thought I would have a 6.99% APR card but it looks like my NFCU Platinum will be just that!
https://www.cnn.com/2020/03/03/economy/federal-reserve-rate-cut/index.html
@Anonymous wrote:I can't say that I'm surprised. I never thought I would have a 6.99% APR card but it looks like my NFCU Platinum will be just that!
https://www.cnn.com/2020/03/03/economy/federal-reserve-rate-cut/index.html
I saw this earlier. My cards range from 12.4 to 17.24, except 2 Chase in the 20's. While I PIF, I'll certainly take it. 😂
@blindambition wrote:
@Anonymous wrote:I can't say that I'm surprised. I never thought I would have a 6.99% APR card but it looks like my NFCU Platinum will be just that!
https://www.cnn.com/2020/03/03/economy/federal-reserve-rate-cut/index.html
I saw this earlier. My cards range from 12.4 to 17.24, except 2 Chase in the 20's. While I PIF, I'll certainly take it. 😂
I PIF unless I have 0% but it's still gonna be nice to be able to say I have a 6.99% APR card without an 800 FICO! NFCU actually gave me my Platinum at lowest APR when my score was 647. 😂
Although I've PIF since starting my credit journey, I'll take it anyway!
After joining this site and learning a lot last year, I took what I learned and passed some knowledge to my daughters. They both opened high yield savings accounts after finding out that the local bank that we've used for over 30 years was only paying something ridiculous (like 0.04%). They setup accounts @ 2.2% and have really enjoyed watching the monthly statement showing how much they've earned.
Well, their savings accounts have dropped to 1.6% and I'm guessing they will drop another 0.5% very soon.
I wonder how much our local bank is at right now? Probably -1.5% (you pay them to keep your money)???
even the fake official inflation rate is 2.5% so interest less than that is a negative rate, but the government has the nerve devalue your money and tax it as income
@fuzzle wrote:even the fake official inflation rate is 2.5% so interest less than that is a negative rate, but the government has the nerve devalue your money and tax it as income
Wow! .. Someone who actually understands
@Anonymous wrote:I can't say that I'm surprised. I never thought I would have a 6.99% APR card but it looks like my NFCU Platinum will be just that!
https://www.cnn.com/2020/03/03/economy/federal-reserve-rate-cut/index.html
As someone who was enjoying the 4-figures in interest earned annually after 10 or so years of interest-rate nothingness created by the '08 recession....I'm falling back into sad panda mode.
Oh well, I'll always have you, my lovely, lovely, dividend income.
@iced wrote:
@Anonymous wrote:I can't say that I'm surprised. I never thought I would have a 6.99% APR card but it looks like my NFCU Platinum will be just that!
https://www.cnn.com/2020/03/03/economy/federal-reserve-rate-cut/index.html
As someone who was enjoying the 4-figures in interest earned annually after 10 or so years of interest-rate nothingness created by the '08 recession....I'm falling back into sad panda mode.
Oh well, I'll always have you, my lovely, lovely, dividend income.
If we ever get treasury rates back towards 6-7% let alone the 20% we had a few decades back, I'd totally convert to nice conservative investments and just walk away and do something else for the rest of my life.
Blah I just have to get through 4/30 and I'll be caught up on all these damned expenses, moved, and no more California income taxes will be fine. We'll see, my mortgage rates might drop to 3% before then and any sort of win on that front is a win even if I'm planning to absolutely obliterate one of them.
Guess I'll go get to look for the aggregate installment utilization line playing reindeer games with a mortgage
It's scary out there right now as monetary tools are ineffective, energy is in a bear market and governments don't have the will for fiscal stimulus.
The only thing I predict is the bond market should stay on 🔥 with banks cutting over the next week.