Yesterday, I went to the bank to do a couple of things, and I screwed it up. It didn't help that I was in Mario mode (and was uncomfortable), tired, and a little bit hungry. Everything was a little out of whack when I went to the bank down the hill.
But first....
As I've noted lately, my legs have been bothering me, and they didn't want to cooperate with me when I got up. It was a pain to do much of anything because I couldn't trust my legs. So, I was doing everything slowly and carefully.
When I decided to get moving and prepare to go to the bank, it was around 3 pm. And then I went down the hill. I had the proceeds from the sale of the family homestead to deposit, and I was nervous about handling this money, as I wanted it handled properly and put into appropriate vehicles for use. Entering the bank, I found that my favorite staff member there was in semi-retirement, and no longer is in the branch. (This is the woman with a TG offspring.) So, I ended up sitting down with a junior account manager, and then was handed over to the more senior person. And this is where the up sell began.
First, one can't (as I was told) do a split deposit with the amount of funds I was bringing into the bank. So, the senior person tried to sell me on a savings account to be used temporarily where I could get a bonus of maintaining $150k there for 90+ days. One problem - they don't pay a reasonable rate on this type of account, and my money would be locked in for 90 days. But I was weak, and focused only on the "free" $1k. So in my weakness, I signed up for the deal. Even though I'd get all of the benefits of being one of their "Private Client" customers, this would be a problem for me when I shut everything down. I'd have to make sure to shut down the "Private Client" relationship, or I'd get charged $35/month. OUCH!
Driving out of the bank, I regretted what I had done. After a quick fast food lunch, I called Vicki, as I needed to talk to someone. I didn't make a big mistake. Just one that will cost me time sometime in the near future. And it was enough to leave a bad taste in my mouth for the rest of the evening.
