Morton Fox (mortonfox) wrote,
Morton Fox

Monday Money Matters

Great Kills Park - The blimp

There was a sprinkling of snow last night, but when I woke up this morning, it had all disappeared. Which is good because then I didn't have to brush snow off the windshield before heading off to work. Actually, I don't think I've had to use the snow brush more than twice this winter and I haven't used the ice scraper at all. Going to become lazy.

I found out via The Consumerist that HSBC Direct is currently offering 6% APY interest on new deposits. This promo lasts only a few months, after which the interest rate drops to 5.05% APY or whatever the regular rate ends up being in April. One thing I should point out is ING Direct (aka Orange Savings Account) offered a similar deal last year, also from January to April. After that, their interest rates started to lag behind the Fed's rate hikes. I think they had to make up for the extra interest paid out during the promotional period. So, if past is prologue, will HSBC Direct be the next to fall a little below the top rates for online savings accounts? Maybe. But in the meantime, I might as well take advantage of this offer since I've been meaning to consolidate my emergency fund, which is currently split up into several accounts. (long story)

I also received a lot of refund checks all at once. From the FSA reimbursement check, I now know that eyeglasses ordered online are eligible. So is CVS heel balm, even though the only thing I wrote on the form for the reason was "for cracked feet". (They probably get that a lot. :) ) One check that surprised me was from Verizon Wireless. It's been many years since I switched from Verizon to Sprint. According to the letter, they did an "extensive audit of accounts" and found that I had a credit balance. Hence the refund. I don't recall having anything left over in that account, so it's probably a pro-rata refund from canceling the account in the middle of a billing cycle. Anyway, I appreciate that they took the effort to return the money.

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