y***a
发帖数: 840 | 1 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: yeeha (带茎番茄), 信区: SanFrancisco
标 题: 有人用SMARTYPIG吗？
发信站: BBS 未名空间站 (Thu May 27 14:10:04 2010, 美东)
手里的闲钱老婆不许炒股，又不想放定期存款，之前最好的利率只有ING的1.1%。这两
天看到这个SMARTYPIG可以到2.25%。 这个靠谱吗？有什么猫腻没有？有经验的给说说 |
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p*******y
发帖数: 944 | 2 不是很清楚这个4%从哪里来，不过如lz所言，2.15%还是确定的http://www.smartypig.com/，目前形势下相对其他saving不错。不过有个说法，因为smartypig可能要转手卖掉给个大银行，所以现在的提高利率可能是为了提高用户数量。当然这个是一种猜测，而且即便是真的，估计也要几个月后，可以当个不错的短期CD。我上几周就网上申请了，不过在最后identity verification处被搞死了，现在不得不转用纸质申请，还没消息，比较烦人。
听说他们搞这个比较久了，应该没有什么猫腻，不过能不能一直这么competitive就不确定了。我上个月还申请了Readysaver，当时看中的就是他的2%APY，自愿被hard了一次，结果没多久，就降到1.73%，现在1.5%了，无语，感觉被耍了。。。Anyway，大环境下1.5%也还相对不错，只能这么想了。
two |
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x**z
发帖数: 2437 | 4 1.5% is horrible low. Do not use smartypig since they deposit everything in
westbank. So you are selling your info to two companies. You might get a lot
more spam.
I use westbank as saving (4% http://www.westbankiowa.com/personal/checking/reward_me_checking ) and alliant credit union as checking.
Very good. The checking is 1.75% with a lot of great features. One is
edeposit (you scan the check and deposit online) |
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c*********3
发帖数: 49 | 5 不知道是大趋势如此，还是只是smartypig & Amex撑不住成本。
如果是大盘如此，估计其他银行短时间内就会跟进了 |
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y***a
发帖数: 840 | 6 手里的闲钱老婆不许炒股，又不想放定期存款，之前最好的利率只有ING的1.1%。这两
天看到这个SMARTYPIG可以到2.25%。 这个靠谱吗？有什么猫腻没有？有经验的给说说 |
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r******d
发帖数: 1879 | 7 I understand that you can buy/sell T-Notes in secondary market anytime if
you want cash, with a gain/loss. Can you provide a link to support you
statement?
发信人: DrewElaine (DrewElaine), 信区: SanFrancisco
标 题: Re: 有人用SMARTYPIG吗？
发信站: BBS 未名空间站 (Fri May 28 00:49:52 2010, 美东)
treasury notes 是不是最少要hold 1年，而且拿出来还要丢失3个月的利息？这样下来
跟ING有多大差别？ |
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l**b
发帖数: 330 | 8 Check this out if you have smartpig
'Tis the season where you're buying presents for everyone but yourself and
trying to save money while doing
it. When you buy a Retailer Gift Card for yourself or someone else at
SmartyPig, we will give YOU up to 14%
cash back. SmartyPig just added 21 new retailers to our Retailer Gift Card
program. You can give the gift cards
away or you can use them yourself to shop at Amazon, Starbucks,
Bloomingdales, Foot Locker, Best Buy and
many more - it's your choice!
S... 阅读全帖 |
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j****o
发帖数: 269 | 9 But you can get 2.01% from www.smartypig.com on your money. FDIC insured
but
saving
the |
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i*********y
发帖数: 1674 | 10 有2。01%的利息，不知是不是好？有人在用吗？讲讲？ |
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x**z
发帖数: 2437 | 11 The partner bank is good. if you do not have more than 60K, you can open two
westbank account, which is 4%. I use it last 12 months and no problem
getting 4%. |
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p*******y
发帖数: 944 | 12 记得曾经有人数学上比较过，如果只有几千的话，还是一般的credit card cash back
更合适，至于上到几万，应该说可能rewards checking更好，问题是感觉的出，你是一
个不喜欢麻烦的人。所以rewards checking并不一定适合你(你连saving都没开这个事
实)，因为你每个月都要留心去用它家的卡10次多才能拿到那个好rate。
所以我现在能想到的只有是high apy saving了，另外smartypig你也可以看一看，这些
都允许你不断往里面继续投钱，CD不行。
有没有credit hard pull要看银行，google吧。
APR=Annual percentage rate，是你借款时才出现。比如信用卡的APY是13%就表示你现
在欠信用卡公司100，一直不还的话，一年后就是$113。
APY=Annual percentage yield，就是利息，你存款时才出现。现在一般1%左右，比如
你存100 witha a 1% APY的话，你一年后就能拿到101，not very exciting, isn't it?
interest rate |
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d*******e
发帖数: 72 | 13 SAVING 的话应该没有什么要求。SMARTYPIG 1.7 ,DISCOVER SAVING 1.3
我想你说的是REWARD CHECKING |
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d*******e
发帖数: 72 | 14 1.75% Smartypig
1.3 Amex Saving
1.25 discover saving
1.1 ing saving |
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c*********3
发帖数: 49 | 16 靠，怎么都降这么多？
难道只能存cd了？
不是QE2这月底要结束了么，怎么利息不升反降？ |
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m******p
发帖数: 5393 | 17 k,我前天开的amex 当时看1.15%， 今天钱刚到账就马上变了！ |
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m******p
发帖数: 5393 | 18 总体利率降了吧，很多reward checking也降了 |
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m*****t
发帖数: 697 | 20 How come the AMEX website still says APY 1.15%? |
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m******p
发帖数: 5393 | 21 昨天还是1.15 High Yield saving, 今早网页上改了啊？的确成1.0%了 |
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m*****t
发帖数: 697 | 22 Yeah now I also see 1% APY. How is AMEX Savings website compared to ING? ING
's website is so user friendly. |
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m******p
发帖数: 5393 | 23 AMEX's saving很简单，就左边几个链接用来做transfer看statement
ING |
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m*****t
发帖数: 697 | 24 Oh I see. Then ING Direct is by far the best designed online banking ever.
Too bad they're in the process of being sold to other financial institution.
Hope whichever company buys ING Direct would continue to use the same web
design and functionality. |
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x***x
发帖数: 3401 | 25 我刚开了一个账号. 这家的好处是取现的时候可以拿到很多打折的gift card. 包括返
点3%的
amazon. |
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k****z
发帖数: 19 | 26 smartypig更坑爹，1.10直降0.75啊，而且刚刚转到discover，也从1降到0.9了，唉。 |
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a**s
发帖数: 1892 | 27 请问这几个银行的saving account哪个更好用？谢谢！
bank apy
SFGI Direct 1.01%
SmartyPig 1.00%
Salem Five Direct 1.00%
GE Capital Retail Bank 0.95%
CIT Bank 0.95%
First Trade Union Bank 0.95% |
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r******d
发帖数: 1879 | 28 they can change the rate anytime.
Why not buy treasury notes? 5Yr yield can be 2.13%, 10Yr 3.5%, and you can
sell anytime before maturity. |
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D********e
发帖数: 60 | 29 treasury notes 是不是最少要hold 1年，而且拿出来还要丢失3个月的利息？这样下来
跟ING有多大差别？ |
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