tag:blogger.com,1999:blog-6660460810418738523.post2779213031586345070..comments2008-09-15T09:03:46.775-04:00Promod Sharmahttps://profiles.google.com/106341044498666213775noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-6660460810418738523.post-17742298717213796092008-09-15T09:03:00.000-04:002008-09-15T09:03:00.000-04:00Thanks for your comments, Mr. Cheap. <BR/><BR/>I looked into bank accounts further --- even ones for students (for my son). You can count on service charges, low interest rates or both. Unless you go to a virtual bank.<BR/><BR/>Our mortgage just renewed and I did ask for a HELOC but charges applied :(<BR/><BR/>We do have an unsecured line of credit. The HELOC is intended to replace it.Promodhttp://www.blogger.com/profile/11239089296177027814noreply@blogger.comtag:blogger.com,1999:blog-6660460810418738523.post-90365953312201416362008-09-08T22:47:00.000-04:002008-09-08T22:47:00.000-04:00Thanks for the link! You're totally right (I've been treated the same way by banks). I'm not sure who they want to do business with, but apparently its not people like you or I. <BR/><BR/>I suspect its people who don't bat an eye when they pay $9.95 for this services, $24.95 for that service and let themselves get nickled-and-dimed into the poor house.<BR/><BR/>*APPARENTLY* you can get a HELOC setup when you setup a mortgage. The next time you're renewing might be the time to get one without paying fees...<BR/><BR/>Until then, unsecured LOCs don't have as low a rate, but it still works as emergency money (and is MUCH better than a credit card).Mr. Cheaphttp://www.blogger.com/profile/14502724381002990745noreply@blogger.com