Gold is good!Is it as easy to convert into currency,though?Or would you be holding it for the long-term?
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21-07-2005, 10:39 PM #11
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21-07-2005, 11:23 PM #12
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Re: Currency
Originally Posted by thanksalot
If you have big sums to play with, then a foreign account should still be in the plans. Realize that it will cost more in fees and perhaps headaches (don't expect US bank speed and efficiency in a different culture) but it will be out of reach of USA litigants.
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22-07-2005, 02:18 PM #13
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Excellent ideas,lonerx
Maybe I'll try that myself,eventually.
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22-07-2005, 04:45 PM #14
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I'm interested and looking iinto it myself as a Retiree on this, application is submitted and a deposit of $3000 made as opposed to a minimum of $2500 as required. I shall compare the fees listed below...phew, pretty comprehensive but worth comparing to my other USD $$ account offered by my DBS Bank...which has a multitude of internatiomnal perks and benefits provided as well and just as handy to have.
Well, I thought if any of you would like to consider prior to apening an account with EverBank, keep in mind with the fees stated below that you will be faced with once your account becomes effective.
YB.
Account Fee Schedule :
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:
Account information given to EverBank to be intentionally misleading (per hour) $50.00
Accounts reconciliation (per hour) $25.00
Account research (per hour) $25.00
Account transfer with Bank assistance (per hour) $10.00
Account verification letter $10.00
ACH/EFT transaction out, with Bank assistance $10.00
ATM transaction fees
(There may be additional charges imposed by other financial institutions’ ATMs) $0.00
Attachments $50.00
Business Checking Account
minimum deposit required to open account $2,500; monthly fee if the average daily balance of the account falls below $2,500 $14.95
Business Money Market Account
minimum deposit required to open account is $1,500; monthly fee if the average daily balance of the account falls below $1,500 $4.95
Cashier’s check $10.00*
Check photocopying
Checks written by the customer
First three copies per month are free for an EverBank customer
Additional copies $3.00
Bill–pay Checks, Deposited Checks, and Deposit Tickets
First copy per month is free for an EverBank customer
Additional copies $3.00
Check printing Varies by style
Copy of statement, 1099, or 1098 $5.00
Direct deposit $0.00
DollarBull CD Account: Minimum deposit required to open account is $10,000 in U.S. dollars; if depositing foreign currency, it must be equivalent based on exchange rates in effect on the day of deposit.
Dormant account fee (12 months after most recent activity) $5.00
Emergency issuance of Visa® CheckCard $50.00
Foreign Draft-Outgoing $25.00*
Foreign Draft-Incoming charged collection fee $50.00
FreeNet Checking
minimum deposit required to open account $1,500 monthly fee $0.00
Garnishment $50.00
Insufficient funds item $30.00
Items sent for collection min.$15.00
Legal process received fee $50.00
Levies $50.00
MarketSafe CD
minimum deposit required to open account $1,500
Overdraft item $30.00
Per–check charge (for FreeNet Checking Account) $0.00
Per–check charge (for Business Checking Account) $0.00 for the first 100 checks per month, $0.10 for each check thereafter
Privateline Overdraft Protection monthly fee $0.00
Privateline Overdraft Protection payment late charge $25.00
Replacement VISA® CheckCard $10.00
Returned deposited item $30.00
Special Delivery of Letter Size Packages
Next Day Air Express $15.00
2 Day Air Express $10.00
USPS Priority Mail $5.00
Stop–payment item $25.00
Tax payments (per coupon) $20.00
TouchTone Banker fax $1.00
Uncollected funds item $30.00
Visa® CheckCard $0.00
Web Bill Pay (linked to your FreeNet Checking Account)
in any month in which the average daily balance of the account falls below $1,500 $4.95
Web bill payments (for Business Checking Account) $0.35 each
Wire funds into EverBank $0.00
Wire funds out of EverBank (foreign) $50.00*
Wire funds out of EverBank (domestic) $25.00
WorldCurrency Access Account: Minimum deposit required to open account is $2,500 in U.S. dollars; if depositing foreign currency, it must be equivalent based on exchange rates in effect on the day of deposit. For the Chinese Renminbi Access Deposit Accounts, the minimum deposit is $10,000 or foreign currency equivalent.
WorldCurrency CD Account: Minimum deposit required to open account is $10,000 in U.S. dollars; if depositing foreign currency, it must be equivalent based on exchange rates in effect on the day of deposit.
WorldCurrency Conversion Rate: EverBank World Markets does not charge any fees for your WorldCurrencyâ„¢ deposit; the full U.S. dollar amount deposited funds your chosen investment. It is EverBank's pledge that the exchange rate you receive when converting your U.S. dollars to foreign currency will be among the best in the nation.
WorldCurrency Index CD Account: Minimum deposit required to open account is $20,000 in U.S. dollars; if depositing foreign currency, it must be equivalent based on exchange rates in effect on the day of deposit.
WorldCurrency DDA Account: Minimum deposit required to open an account is $2,500; if depositing in foreign currency it must be the equivalent based upon exchange rates in effect on the day of deposit.
World Markets IRA Account: Please see the Delaware Charter Fee Schedule.
YieldPledge Money Market, Business Money Market, or WorldCurrency Access Account in excess of six electronic transfers/withdrawals per month, or in excess of three checks per month $10.00
YieldPledge Money Market Minimum deposit required to open account $1,500; monthly fee if the average daily balance of the account falls below $1,500 $4.95
YieldPledge CD Minimum deposit required to open account $1,500
*At this time, EverBank World Markets waives this fee for qualifying World Market Depositors
**At this time, EverBank waives this minimum for qualifying Asset Manager Customers.
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24-07-2005, 10:10 PM #15
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Originally Posted by rahly
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24-07-2005, 11:10 PM #16
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Another alternative would be to open an acct. at Kitco,and purchase gold bullion e-certificate;you can re-sell your certificates as needed,taking any gains/losses as you convert to currency.Kitco makes wt's to your current bank accts.
But since when is gold a bad investment,anyway?
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19-07-2006, 11:39 PM #17
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Yes, the decline of the dollar is likely to continue as long as war-like policies top the agenda of the Bush Administration. Indebtedness does not make for a strong currency. Solid economic programs strengthen a currency. This has been lacking in the Bush Dynasties.
Look what has been happening with oil? Guess who has a lot to do with that ballooning enigma? Accidental? Both these points have a lot to do with monetary movements.
peterbenLast edited by peterben; 19-07-2006 at 11:41 PM.
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20-07-2006, 12:38 AM #18
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Another grave influence on the US Greenback is exercised by the policies of China, which has a characteristic NO-CHANGE in currency fluctuations. Yet the U.S. kept demanding a revaluation of the China 'Yuan'. Basis for this is due to imbalance in trade deficit between both in favor of China.
So, China accommodated on the face of it. They offered a so-called "fluctuation" of the Yuan, only to restrict it to +/-0.3%. Well, firstly, that is neither a fluctuation nor a revaluation, and secondly, it was the in-place range guideline to NO-Change policy within China. They merely responded to US pressure to publicise change.
Bullishness of China shows their large US Dollar reserves, the biggest in the world, vs. U.S. indebtedness, the biggest in the world. This makes for a rather volatile U.S. Dollar. Can the U.S. afford to rumble?
peterbenLast edited by peterben; 20-07-2006 at 12:50 AM.
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26-07-2006, 12:53 AM #19
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Originally Posted by gadget
I think it is not creditable.
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