At the end of the day, online-only banks can do a much better job with personal banking than large banks. My Chase savings account was a waste of space. I now earn 1.85% per quarter at Ally, and my rate has gone up 0.5% since I became an Ally customer just over a year ago. As regional and local banks are catching up with the digital banking capabilities, the mobile app features of large banks are less of a competitive advantage.
As for mortgages, QuickenLoans has surpassed all large banks to become the largest mortgage provider in the U.S., and looking at bankrate.com, it’s mostly small or online-only lenders that have the best rates.
I appreciate your advice, but I think you have your blinders on about non-large bank options that are working better/smarter for a lot of customers out there, especially for Millennials.
How late is late? I do enjoy getting things done between 5:30 and 7 p.m.. If it’s later than 7 p.m., I would rather leave, put on some comfortable clothes, and have a glass of wine while working from couch.
Lolololol no. No consultants working at the Big 4 are allowed to fly business unless they’re flying overseas or they’ve hit 75,000 air miles within a year. Most of us can’t even expense our own lunches while traveling.
I’m in a similar situation — after almost two years of traveling to New York every single week, I am finally (somewhat) permanently living in Chicago again. I feel like I can finally breathe. A lot of that New York frenetic, rat race energy has been left behind, and I am a lot happier. Hopefully you find something similar.
You neglected many, MANY deeply revealing airport moments, that, at various times in my career, have left me sobbing at a gate or drunk at at an airport bar. They include:
-How someone reacts when their flight is cancelled
-How someone reacts when the airline lost the pilots and/or flight attendants
-How someone reacts when their flight is placed in a 3-hour holding pattern and/or diverted to Harrisburg, PA
-Whether someone can find their gate without cluelessly staring at the departure board for 5 minutes
-How someone navigates through crowds. If they stop abruptly and turn around and knock into 17 people, CUT ALL CONTACT IMMEDIATELY
-What food and drink choices someone makes while waiting for their flight
-How flustered someone gets when going through TSA. Are they calm? Do they have their ID and boarding pass ready? Are they making loud, passive aggressive statements about how terrible air travel is? Do they try to take their shoes off in the pre-check line?
-Whether someone flies wearing any of the following: mom/dad jeans, fanny pack, oversized hoodie with “[DESTINATION LOCATION]” in 1990s Gap font
“No matter how much money you’re making, it might feel like you can’t get ahead. There are a couple of reasons behind this but the largest reason is…” try no growth in real wages and/or people living outside of their means.
I have been through something like this many times. I wish I had used your coping strategies the third time around — I waited until the fifth or sixth time, and I had to learn the hard way. Major congrats on recognizing the symptoms and calling a therapist. I may be an internet stranger, but I sincerely wish you the best on getting well again.
“continue paying everything off without major changes to my quality of life.” Look, I don’t want to shame you, but I don’t think you’ve had your full wake-up call about your financial situation yet. Student loan debt sucks, making bad credit card choices when not understanding the implications sucks, and it’s admirable that you’re trying to address it. But you are in a massive load of debt, and you don’t have a full-time job secured. You absolutely need to make changes to your quality of life if you want to make a meaningful dent in your debt.
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Can’t go wrong starting with index funds. Disclaimer: am not a financial adviser.
At the end of the day, online-only banks can do a much better job with personal banking than large banks. My Chase savings account was a waste of space. I now earn 1.85% per quarter at Ally, and my rate has gone up 0.5% since I became an Ally customer just over a year ago. As regional and local banks are catching up with the digital banking capabilities, the mobile app features of large banks are less of a competitive advantage.
As for mortgages, QuickenLoans has surpassed all large banks to become the largest mortgage provider in the U.S., and looking at bankrate.com, it’s mostly small or online-only lenders that have the best rates.
I appreciate your advice, but I think you have your blinders on about non-large bank options that are working better/smarter for a lot of customers out there, especially for Millennials.
…none of that is normal
1. This was beautiful
2. Can you pass along the name of the Chinese place?
Low 8 / High 7. Very thin, extremely well maintained, but not as classically beautiful as Caroline or as cute as Katie, which has bred inescurity.
How late is late? I do enjoy getting things done between 5:30 and 7 p.m.. If it’s later than 7 p.m., I would rather leave, put on some comfortable clothes, and have a glass of wine while working from couch.
Yes, Yes, Depends on Price, Yes, No, I’m boring because I work too much which is enabled by all of the coffee I drink.
Coffee is a hug in a cup. It’s given me a lot of emotional and chemical support in my life.
Lolololol no. No consultants working at the Big 4 are allowed to fly business unless they’re flying overseas or they’ve hit 75,000 air miles within a year. Most of us can’t even expense our own lunches while traveling.
Upvote for fuck LGA. That place has prematurely aged me.
This is gold. Exhausting the smile bucket and reaching deep into the patience reserve at pre-dawn hours spoke to me in a deep, profound way.
I’m in a similar situation — after almost two years of traveling to New York every single week, I am finally (somewhat) permanently living in Chicago again. I feel like I can finally breathe. A lot of that New York frenetic, rat race energy has been left behind, and I am a lot happier. Hopefully you find something similar.
Welcome back.
You neglected many, MANY deeply revealing airport moments, that, at various times in my career, have left me sobbing at a gate or drunk at at an airport bar. They include:
-How someone reacts when their flight is cancelled
-How someone reacts when the airline lost the pilots and/or flight attendants
-How someone reacts when their flight is placed in a 3-hour holding pattern and/or diverted to Harrisburg, PA
-Whether someone can find their gate without cluelessly staring at the departure board for 5 minutes
-How someone navigates through crowds. If they stop abruptly and turn around and knock into 17 people, CUT ALL CONTACT IMMEDIATELY
-What food and drink choices someone makes while waiting for their flight
-How flustered someone gets when going through TSA. Are they calm? Do they have their ID and boarding pass ready? Are they making loud, passive aggressive statements about how terrible air travel is? Do they try to take their shoes off in the pre-check line?
-Whether someone flies wearing any of the following: mom/dad jeans, fanny pack, oversized hoodie with “[DESTINATION LOCATION]” in 1990s Gap font
I am on the bench and have heard 60% of these this week. Ugh.
Hello, fellow PwCer! Really? Because my team still calls them SMEs.
I have been doing this for the past seven months. I think it’s great; however, everyone else in my life is concerned for me.
I have actually never watched any of the Star Wars movies. I am not trying too hard — I’ve just never watched them for some reason.
“No matter how much money you’re making, it might feel like you can’t get ahead. There are a couple of reasons behind this but the largest reason is…” try no growth in real wages and/or people living outside of their means.
I have been through something like this many times. I wish I had used your coping strategies the third time around — I waited until the fifth or sixth time, and I had to learn the hard way. Major congrats on recognizing the symptoms and calling a therapist. I may be an internet stranger, but I sincerely wish you the best on getting well again.
It’s definitely also the airlines. My personal favorite is experiencing a four-hour delay because “American Airlines doesn’t know where the pilot is.”
“continue paying everything off without major changes to my quality of life.” Look, I don’t want to shame you, but I don’t think you’ve had your full wake-up call about your financial situation yet. Student loan debt sucks, making bad credit card choices when not understanding the implications sucks, and it’s admirable that you’re trying to address it. But you are in a massive load of debt, and you don’t have a full-time job secured. You absolutely need to make changes to your quality of life if you want to make a meaningful dent in your debt.