Do y'all really get that worked up over the difference between 1% and 1.45%? How much money are you putting in these accounts, anyway? I've got a buddy (occasional poster here) who is always trying to squeeze the last basis point out for his cash, but seriously, .45% of 100K is $450. I can beat that return by not eating out a few times in a year, or finding good coupons for the grocery store, especially since you probably have to pay tax on the interest.
I do understand that a penny saved is a penny earned, and when my CDs come due I look for the best rate available at that moment. But there's no reason I can see to be chasing savings accounts around for the best rate amongst a lot of bad choices. I see chasing savings rates as adding a lot of complications for my financial situation for a pretty miniscule return.
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"Good judgment comes from experience. Experience comes from bad judgement." - Anonymous (not Will Rogers or Sam Clemens)
DW and I - FIREd at 50 (7/06), living off assets
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