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Need suggestions on where to stash my cash

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Originally posted by: MovingTarget
Just get a savings account and cut up the atm card you get. That way you can only get money during business hours at an actual teller. It will make it more difficult/less convenient to get your $$. You could also try setting this up at a bank that doesn't have a branch in your town....a local bank in another town works great, especially since they aren't likely to have a web interface to xfer funds.

...or get a SO who is better at money than you are... 😛
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You can't get a debit card for a savings account*.


*At least, it's very difficult - I know you can't with Wells Fargo.
 
Originally posted by: MovingTarget
Just get a savings account and cut up the atm card you get. That way you can only get money during business hours at an actual teller. It will make it more difficult/less convenient to get your $$. You could also try setting this up at a bank that doesn't have a branch in your town....a local bank in another town works great, especially since they aren't likely to have a web interface to xfer funds.

...or get a SO who is better at money than you are... 😛
Click to expand...

I've seriously thought about getting a chick just for this....

but from past experience, women cost way more than I would save.
 
Originally posted by: NSFW
I am trying to get some cash saved up but keep finding stupid things to blow it on. I'd like to set up a savings account or something and have money direct deposited into it. I'd like to do it where I would have to jump through some hoops to get at it.


Lil help?
Click to expand...

ING Direct --> Orange Savings
Sharebuilder --> Mutual Funds

Do like a 75/25 split to balance things out.

My .02

I can send you a referral for both if you're interested.
 
Originally posted by: nickbits
put it in a CD that way you will be deterred from touching it.
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This

Here are some one year CD's from bankrate.com

Discover Bank is a solid bank.

If one year is too long to go without touching your money, check out the 6 month CD here
 
Adam Bold of The Mutual Fund Show used to mention HSB Direct and Emigrant money markets.

Do your own due diligence, as these recommendations are now probably about at least a year old.

Over the long term, stocks >> bonds > money markets, so if you are sure you will not need to take money out prematurely, dollar cost averaging into good mutual fund is good idea. I think Roth also allows you to take principal (not interest or capital gains) out in emergency. If you have 401K with company match that you aren't utilizing, that is a no brainer before anything else (100% return).

 
Get one of those high interest saving accounts that have insane service charge on transfers, so you won't want to take it out knowing you'll get charged a lot for a transfer. I did this for my house fund. Every now and then I'd deposit a few grand into it (free for deposits, 5 bucks for withdrawals) until I bought my house. 5 bucks hurts less when you're taking out 30k in one shot. 😛
 
Originally posted by: UberNeuman
don't worry about your cash. It'll be meaningless with the upcoming zombie attacks......
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Along this line of thought, just start hoarding ammo. If the zombies come you're set, if they don't, well, the way ammo prices keep going up you'll get a return on your investment anyway. :thumbsup:
 
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