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    • Rick

      Members Only Fluid Forum View   08/08/2017

      Fluid forum view allows members only to get right to the meat of this community; the topics. You can toggle between your preferred forum view just below to the left on the main forum entrance. You will see three icons. Try them out and see what you prefer.   Fluid view allows you, if you are a signed up member, to see the newest topic posts in either all forums (select none or all) or in just your favorite forums (select the ones you want to see when you come to Fishing Minnesota). It keeps and in real time with respect to Topic posts and lets YOU SELECT YOUR FAVORITE FORUMS. It can make things fun and easy. This is especially true for less experienced visitors raised on social media. If you, as a members want more specific topics, you can even select a single forum to view. Let us take a look at fluid view in action. We will then break it down and explain how it works in more detail.   The video shows the topic list and the forum filter box. As you can see, it is easy to change the topic list by changing the selected forums. This view replaces the traditional list of categories and forums.   Of course, members only can change the view to better suit your way of browsing.   You will notice a “grid” option. We have moved the grid forum theme setting into the main forum settings. This makes it an option for members only to choose. This screenshot also shows the removal of the forum breadcrumb in fluid view mode. Fluid view remembers your last forum selection so you don’t lose your place when you go back to the listing. The benefit of this feature is easy to see. It removes a potential barrier of entry for members only. It puts the spotlight on topics themselves, and not the hierarchical forum structure. You as a member will enjoy viewing many forums at once and switching between them without leaving the page. We hope that fluid view, the new functionality is an asset that you enjoy .
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snoozebutton

Certificate of deposit, worth it?

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My wife and I came into a small windfall and after paying off the credit card and a few other small bills, we'll have around $5000 left over. With the way the economy is, we decided to put it away for a rainy day (I wanted to spend it on the boat and tools but she won out.) grin

Anyhoo, would a CD be our best bet? We'd have to go with a 3 month since we could hold off the bill collectors for that long if worse came to worse. And what kind of rate can we expect on a 3 month vs a 6 month?

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I think that would be the best, at least you won't lose anything. The intrest rates aren't high, and if you would call or go to your bank they can tell you the best way to go as far as 3 to 6 months.

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if the thought of needing it is coming in to play I would reconsider. I would only put money in to a CD if you know for sure you wont be needing it. do you have at least that much in savings?

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Open an account with ING Direct. It's FDIC insured up to $250K, you money is always available, and the interest rates are very similar. It's a great place to park cash.

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Snoozebutton, If you belong to a credit union at work or otherwise have access to one, check into the programs they might have. Sometimes they have rates that the local banks can't /won't touch. With the amount you have to deal with, I'd advise to start what ever number you can at the minimum deposit so if you need to cash in 1 for debts, you have the others still at the origional interest rate and you don't get penalized as heavily. If interest rates rise, when they come due, renew. If interest falls, shop around and put it where you can get the best return. As for what kind of rates you can expect... right now, you need to be ready to it lock in. The way interest rates and the markets are today, you've gotta go with the best deal. Some times you can get a really good interest rate on a short term note (3 mo.) just as an incentive to get you to join the credit union. Hope that helps ya. Phred52

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Open an account with ING Direct. It's FDIC insured up to $250K, you money is always available, and the interest rates are very similar. It's a great place to park cash.

This is some good advice it you think you may need/want to access any of that money at any given time. Right now ING has savings rates of 2.75% while the best CD they offer is 3.50% on 12 and 18 month CD's. That .75% difference would amount to $37.50 on the year so you could decide if that was worth more to you than the accessibility.

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Thanks for the responses and what I was describing was a worse case scenario.

There is a credit union I can join through work so that's going to be something I'm going to check in on, that and the IMG Direct.

Thanks again!!!

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