75bps fed funds, 75bps discount rate

Let "Walk-over-yah" burn.

I am still have money with them - not sure which of the other group of circus clowns to trust it with, but ever since they bought out First Union years ago, it has just been one application of the shaft after another.

• I foolishly listened to their "investment advisors" back around 2001 or so. They put me in their stinking Evergreen mutual funds: grossly overpriced funds (2.0+% expense ratios) WITH LOADS! I was clueless, and they preyed upon that fact, making nice money at my expense, while their funds performed dismally.
• Selling out of those funds took effort - they won't let you sell them online. You have to call them, and then they'll try to talk you out of it or even in one case pretend I didn't own the fund so I couldn't sell it. Crooks!
• They are stunningly disorganized and it seems no one part of the company talks to another part. The amount of effort I had to go through to get my various accounts - all in my name - linked together properly to avoid all their stupid fees was amazing. They are either stupid or do this intentionally to make money off of fees.
• Finally, as one last insult after putting up with their horrible financial advise and stunning disorganization, their rates on CD's are some of the worst in the industry, with rates even under the offical Fed inflation numbers. At their promo CD rates are good.

I'd move my money elsewhere, but what's the use: all the banks are crooks and all are hiding enormous losses. The small, local ones that are not will be bought by the big banks and gutted.

I'll have to look around, lama, but thanks for the ideas on the matter. At this point, I just don't know where to put my money, save for spreading in around in "safe" stuff and keeping under the FDIC insurance limit in insured accounts.

Anyway, I think that we have said it before:

"Bring out your dead"