[Uglyowl]

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so the ING/Emmigrant accounts are of the deposit variety, and so is PayPal's

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Emigrant and ING are deposit FDIC insured accounts. Paypal is a MM mutual fund.

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The average American never ceases to amaze me with his level of cluelessness and inertia in regard to finances.



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So, so true. Bank of America is offering 0.55% on their savings which is typical for your large B&M bank. Yet these guys continue to thrive on the backs of "stupid people".

There are now CD specials running you will not find on bankrate.com as they are for unusual terms (i.e. 16 months) that do not fit into their search. A few institutions are offering 5.0% CD specials and should be fairly common soon. Some banks are trying to hit there 2005 deposit goals and are offering great rates now.