Any Bankers?? I have a general question.?
450916
They should have told you when you refinanced what interest rate they were charging you.  It is legal to change the interest rate.  You should also have asked what rate they were charging.  You didn't read the contract carefully.
389332
Just contact your bank. They got all this stuff figured out.
71081
This can be really complicated to answer.  Basically, you need to go where the money is.  Certainly you've made your requests clear to your current investors?  Where are their friends?  Amazing how secretive/greedy people can be when it comes to sharing (good) investment advice.  Call every bank, real estate company, mortgage company, investment group, investment company and talk to the right people.  If the returns are as good as you say, you should be able to drum up enough investors.  On the flip side, maybe the people with "money" are concerned about the housing situation; is your area getting overbuilt?  Amazing too how many contractors get myopic.  Part of succeding in business is being able to "see" changing economies and adjusting as required.  This IS a cyclic business.  If the rates don't stabalize here, people will tend to stay put.  Don't get caught with unsold spec's that you're forced to start "discounting"  I don't know where you are, but in our hot, hot market, the wise old builders are being very careful and building mostly pre sold customs.
11295
I have a degree in economics I maybe able to help you.  Just post your question here.
132439
Hey Trade_Info, how's it goin?\n\nTry the Planner Search feature on the Financial Planning Association's website, fpanet.org and click on the Public/Find a Planner link.\n\nBy the way, I have to say I am taking a little offense at your statement, Trade. I usually see you point of view even when we don't agree and I respect your knowledge, but to say "only you really care about your financial well being" is an insult to ethical, caring planners. Yes they do exist. I am one of them and I care deeply about my clients' financial futures.
139474
Trusted to treat them fairly?  The other 100's of banks don't treat them fairly?  Give me a break...  it seems like most blacks do more discrimination against themselves.  Do they have all black employees?  If they do I'm going to apply and then sue them for racism, then they won't have their own bank anymore because it will be my personal bank.
757171
I worked Customer Service at a bank before. In all honesty, it was one of the worst jobs I have ever had. When you are dealing with other people's money, be prepared to get cursed at, yelled at and threatened to be sued. Often for things that are out of your control.
93266
central bank or bank job?
323132
You've tapped a very complicated subject my friend - I think all of macro economics is vague and all of the smartest economists don't agree on what is going on... So I don't think it is intentionally vague - any more than the rest of the economic field....  Also China owning US debt began when they became part of the WTO (I believe this may have happened on Bush's watch, but was started by Clinton - i.e. not a republican/democrat thing.) I don't know how easy it will be to find - but seems like to answer your specific question you would want to understand the ownership of US treasury securities.  If you are just curious and want to know about this stuff - China does hold a large portion of our debt and that is because we spend more money than we have and they save more money than they make.  We have trade deficit with China because we want to buy their goods, because they are cheap.  In the past they have been more than happy to lend us the money to do so.  But if we don't watch it, our creditors are going to start saying no.  The opinion of congress right now is that this is China's fault and that they are a currency manipulator who should let their currency appreciate.
267654
Hello Im looking for associates to help save peoples homes from foreclosure. If that interest you please contact me at wshusa@chrisblanks.com for more information. It is free to join until april 1st so hurry.\nPut "wshusa" in the subject.
826120
We perceive the things we see on a daily basis on what we perceive. In reality, we don't know what reality is. And why is this in the personal finance section? Is your banker asking for this information or something? If this is a mistake, then ok, sure, everybody makes mistakes, you just need to know you made them.
1161941
Here's a decent look at the money side from the publisher's point of view.\n\nhttp://alg.livejournal.com/84032.html
239758
You should contact the Bank directly and ask them.  You won't get any good answers here.
862393
The Bank of England (BOE) regulates the "commercial lending rate", which is the overnight rate for lending to other banks. Banks are required to keep a certain percentage of their deposits on hand and then lend the rest out.  They don't want to keep any excess money on hand as it is foregone income.  They don't want to have too little, because it is against the law. \n\nBanks want to lend out their money at higher rates, rather than lower. Ideally, they lend to consumers and businesses at a high rate (the trade-off being risk for returns). The rest, they lend to other banks that need the liquidity to top them up to their reserves (low risk, low returns). If nobody wants it, you lend to BOE overnight for the lowest rate (no risk, lowest returns).  This is analagous to the US' Federal Reserve overnight deposit rates.  \n\nSo the BOE directly affects the very shortest interest rates (overnight), but they do not directly affect what happens "out the curve" - that is on loan/deposit terms longer than one day.  Banks make up their own terms of interest rates, but are tightly limited by currency/interest rate arbitrage and competition from other banks. That is, the currency, futures and interest rate markets are all intertwined - making it almost impossible for banks to have widely different interest rates (in the same market) due to interest rate/currency arbitrage.\n\nShort-term deposits (checking, savings, money markets) are less market-efficient than long-termed deposits due to some oligopoly power in banking and high service costs to serving deposits. That's really a long-winded answer for "you are a peon with little money, so they gouge you on rates as much as you can because you don't have an alternative".  As your deposit balance goes up, you'll find your bank becomes REALLY friendly with you. As a result, your savings account generally goes in the same direction as the BOE rate - but not necessarily lockstep.  \n\nThat's why it's nice to occassionally get an institution that offers deposits thare ARE linked to official rates. You don't feel like you're getting screwed.    \n\nThat's a really long, confusing answer. Sorry.
202312
Are you serious?????!!!!  I have been doing mortgages and real estate for over 7 years and I still learn something new about my job everyday.  \n\nI would like to say that there is never a stupid question, but this one may be a bit challenging.....jees.....
522545
Use proper English if you want people to help understand you. IF you don't give details, how do you expect someone to help you. I bet you are one of those who claim to have a large bank account frozen so you can transfer the money into a open account in the US to rob someone. Old trick. Give it up. They are not that many stupid people here.
855521
Typically your bank will only hold you responsible for a small amount, say $50 but check with them.  Perhaps they will not charge you anything because you acted so quickly.  Don't worry though, it is not the end of the world.  Just take deep breaths and hang in there and it will all work out in the end.