Well, I decided it was about time to make the rounds again and call our credit card companies to see if we could get better rates. First off, Citi couldn't do anything for me this time. Boooo! but their interest rate isn't *that* bad for a credit card (if you can say that lol) It's 12.9% right now.
Luckily my husband had much better luck with the evil BoA. We've been sitting at 18.99% with them for about a year and everytime he called they'd say they couldn't reduce the rate at the time. Amazingly enough they finally gave us a break. hm.. they must have gotten tired of bending us over... i didn't say that lol Thankfully we got it reduced to 14.99%. Now I know that's not like an awesome 3.9% rate or anything, but we're making progress! And I think that's awesome!
If I calculated it right, that's saving about $17/ month just for calling our "provider" and asking for a better deal.
Monday, May 12, 2008
Sunday, May 11, 2008
Whew... sigh of relief
Looks like everything's going to be ok with the house. We went to Bank of the Ozarks on Saturday morning, even though the lobby isn't supposed to be open (Thank you Mariah! Here's some free advertisement! lol). And basically, we filled out all of our info and gave them copies of what info we have and on Monday we should find out what our rate is going to be. Everything else we've requested sent over from ANB to Bank of the Ozarks.
Besides that, once that stimulus check comes in, we're switching banks for checking and savings. I really don't want to be a customer of a bank who just bought me. Doesn't seem like they'd try to keep everything the same since it obviously wasn't working lol. But we'll keep an eye on it, if they keep everything similar to how ANB did it, then we can always switch back. It was mainly the builder loans that brought ANB down anyway. Can't keep all of your eggs in one basket, especially with all the worry about the housing market! Dumb!
Besides that, once that stimulus check comes in, we're switching banks for checking and savings. I really don't want to be a customer of a bank who just bought me. Doesn't seem like they'd try to keep everything the same since it obviously wasn't working lol. But we'll keep an eye on it, if they keep everything similar to how ANB did it, then we can always switch back. It was mainly the builder loans that brought ANB down anyway. Can't keep all of your eggs in one basket, especially with all the worry about the housing market! Dumb!
Friday, May 9, 2008
Shocked
Wow. I don't even know what to do at this point. I just found out that my bank is being taken over by the FDIC and is being shut-down.
http://www.fdic.gov/bank/individual/failed/ANB.html
That's some crazy stuff. Couldn't come at a worse time. All of our money is of course safe b/c of the FDIC (like I have more that 100k just sitting in a bank sheesh), but now our home loan is definitely not going through.
We have an appointment bright and early tomorrow to try and secure a loan with another bank. This just sucks. If we can't get one there, we'll see if this Pulaski bank can do anything. If not them, try Arvest. Surely somebody will take us from where we're at to where we need to be. Like the saying, When it rains, it pours; I think we just tripped into a puddle in a bad storm.
http://www.fdic.gov/bank/individual/failed/ANB.html
That's some crazy stuff. Couldn't come at a worse time. All of our money is of course safe b/c of the FDIC (like I have more that 100k just sitting in a bank sheesh), but now our home loan is definitely not going through.
We have an appointment bright and early tomorrow to try and secure a loan with another bank. This just sucks. If we can't get one there, we'll see if this Pulaski bank can do anything. If not them, try Arvest. Surely somebody will take us from where we're at to where we need to be. Like the saying, When it rains, it pours; I think we just tripped into a puddle in a bad storm.
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