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关于ING的TRANSFER和利息的经验

发信人: ntchai (ntchai), 信区: Money
标 题: 关于ING的TRANSFER和利息的经验
发信站: The unknown SPACE (Sun Dec 15 22:27:21 2002), 转信

ING的利息(我指的是名义利息)确实比较高,但如果你频繁转钱的话,
可能实际得到的利息并不高,我的例子(实际经验)如下:
周一: 存钱到LOCAL银行的CHECKING(无利息)
周二: 看到LOCAL银行的FUND AVAILABLE后,才敢去ING转钱
周三: ING的TRANSFER REQUEST EFFECTIVE(钱已经到ING, 但不能用)
周四: nothing happens
周五: 第一天在ING挣利息(没错,ING的TERM说钱上账以后的第二个工作日才付利息)

由此看来,只有星期一开始动作,受损最小,否则白损失周末2天.
转钱出来,大概2天无利息.所以在精密计划的情况下,6天无利息,否则8天无利息.
一个月: effective rate: 23/30x2.25%=1.73%
二个月: 53/60x2.25%=1.99%
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