how long does it help yourself to to recieve a domestic cable verbs of funds?
Question:I am attempting to transfer funds between a hill account contained by one state to a different bank contained by another state.Answers:
Every bank have a business day cut-over time. My bank's is 2:30 pm. So this scheme that any wire verbs received from another bank since 2:30 will post that same day. If it is after 2:30 pm, next it will post next afternoon.
The same is true if I am sending the wire. If I initiate a cable (send) before 2:30 pm it will be sent that afternoon. If it is initiated after 2:30 pm it will go out on the subsequent business day.
Also, you can appointment the wire department of the delivery bank to find out if it is nearby. They will be happy to verify it. (Or mine does )
Hope this help.
Other Answers:
Domestic Wire transfers are normally credited like peas in a pod day between domestic bank.
Source(s):
Have done it many times and usually is done in an hour or so.
About as long as it takes to convey an email from one place to another. Now, how long it takes to win to you, after it arrives and the receiving sandbank, is another story.
can anyone lend me a tenner?
Question:Answers:
you can borrow pavarotti for the weekend if you like.
Other Answers:
more moths than money.
Yeah, I'll leave lying on the fridge for you. I want it back on saturday please. which one
yeah sure i will borrow twenty off some one else and i will split it wth you
logically , but i want interest lolI charge 100% interest... With interest I will. at 38.9% apr
I'd like to give a hand but I don't want to a lose a dear friend
you still owe me a grand retribution up or you will be sucking food from a straw for the rest of your lifesure i`ll fax it to u in a bit no probs. but i must tip off you that i charge 100% interest per day. interest is added everyday to amount owed. and the subsequent day and the subsequent day etc... as long as you can maintain up repayments then we own a contract. if you break the contract, we'll come around n break a bone for every pound owed...
i can be contacted at loansharks_r_us.com
i look forward to doing business with you...
Sorry man, I'm broke I just started a foreign job and fatefully I just found out that I procure paid by the month so I'll be broke for roughly speaking another five weeks- Yippee!! You lend me lb10 and I can then lend you lb10
Will two fivers do?
yeah if u lend me lb20 first.sure endow with me your bank details and I'll wire you the money from one of my abundant swiss accounts overseas.
Is Educational Direct a appropriate company to utilize for loan consolidation?
Question:I recieved an consolidation offer from Educational Direct that have an interest rate of 4.875% at the highest and 3.625% at the lowest (depending on my stipend choices). Has anyone had experience next to this company? Does this sound similar to a good consolidation present considering the current low interest rates?Answers:
They sent me (and still do actually) plenty of offers. Like you, it be not a company that I had any experience beside. No one used it, so I elected to go beside Sallie Mae, as my loans had already be sold to them, and their consolidation rates were one and the same (this was put money on in 2003). If I be you, I'd stick with Sallie Mae. Though I haven't hear anything bad more or less Educational Direct, I haven't heard anything upright either...and unknowns beside something this important are a bit startling to me. :)
Other Answers:
Sounds okay, but check out some others.
Myself, I am a grad and need to consolidate my loans earlier the deadline! So I went on a G00GLE hunt (I be a sign of search ;). But eventually, I did find a site that have rated a few student loan consolidators, and say they have checked them out. Here's the trellis page: http://lendersrated.com/studentloans.htm...
Hope it helps you...
karateross
With adjectives the fuss about interest rates increasing, seriously of new legal financial consolidators are taking advantage of the timing and offering some immensely good deal. As with adjectives deals, I'd read the fine print and ask tons of question before signing.
Maybe check out some forums online? fatwallet.com have a financial forum with lots of disussion on student loans. and loaning institutions
if you own federal gov loans, they were offering 3.125% through june....not sure what the rate is presently
Can I rent an apartment beside alarming credit?
Question:I will probably file ruin due to credit card bills from years ago. I'm going to need to rent an apartment. Do I own a chance renting after file? Or should I rent before file?Answers:
That will be up to the property manager (management). They will run your credit and base upon what they see will require you to put up an additional surety deposit or a parental co-signer or both. If you didn't have the vehicle to pay your bills, they want to be sure you do own the means to reward your rent.
Other Answers:
RENT BEFORE
YOU'LL HAVE TO PAY A HEFTY DEPOSIT OR HAVE A CO-SIGNER. GOOD LUCK!
NO. Find a co-signer.
have you tried consolidation? try your hardest not to record bankruptcy. budge see a financial advisor and see if you can consolidate all your bills. save, if you rent, you just might requirement a co-signer.
Source(s):
knowledge
if i be you, id speak to either an accountant or a excise rep. someone that knows exactly what would be best within your situation.
good luck
Depends on where on earth you rent. Some landlords require credit checks and a lot of paperwork. Other landlords will rent to you on a month-to-month spring and you would not have to sign a lease
most apt. complexes check your credit so you may hold a hard time. Look for something to rent from an individual owner
Well, necessarily when renting, the main entry they care nearly is if you've had any landlord/tenant disputes. (this in recent times means if surrounded by the past, you've remunerated your rent on time, stayed your contracted time, not here the previous apts in pious repair, etc. If you have bleak credit, THE BEST thing you can do UP FRONT , is to write up a professional missive yourself stating that you have some "dings" on your credit due to Your insurmountable circumstances. Without going into too much detail, elaborate on those circumstances (and fudge & tweak for a while to push towards your favor) Trust me, it will go like mad smoother if the rental property knows up front, so they expect a tarnished credit report, and near are no surprises, also, now they already know WHY!
As far as any previous tenant tenant activity, if you give attention to you're not going to get right feedback from your previous rental property management, it's best not to index them at all. Instead, vote you rented a privately owned duplex, and your landlord inhabited the partner. Then give them your Mom's / friend's etc phone number and enjoy them make resembling the property owner.
Unfortunately, in this time and age, people pass judgment you on your credit, even when there's not much we can do to save frontage sometimes...people lose their job, their businesses go in debt (as my case), they need time stale because of an injury due to an accident. But the bill collectors don't watchfulness, the bills just save coming. It's hard to generate it anymore, so cnady coat your situation, my friend. Every man for himself!
Good luck & keep your chin up!
call for a personal financial report forms. thankfulness?
Question:simply, house value, business merit, earnings,rental incom,guard and credit card infos,and stocks or mutual funds...etcsAnswers:
IwannaKnow gave you a pretty polite answer, but there are also some forms at ING that you might want to check out:
http://home.ingdirect.com/privacy/privacy.asp?s=FinancialWorksheets
Other Answers:
excel
Go carry software that will make it comfortable to track all that. Both Quicken and Microsoft Money will do the opportunity. Much easier to use than paper and pen, and absolutely a lot easier to update.
With quicken, you can set it up so it will turn online and update your investment portfolio values every day, as very well as download your checking account into it so harmonizing is a breeze.
Cash proposal frm Credit card w/ 4.99% APR for life span and HELOC w/ 8%. Which one should I choose for home improv.?
Question:I am planning to do a little bit remodelling for our house, which will cost us around 10K. I hold an offer from Credit card company for 4.99% checks for the vivacity of the balanace and also another offer for home equity for prime rate 8% (since I one and only borrow the minimun, they can't give me their best rate).Considering tariff refund and fico evaluation, which one should I take? If I bring the credit card offer, will it hurt my FICO rack up more than if I take the home equity? (my win is around 765).
Answers:
I would do the home equity loan because your interest will be tax deductable.
Other Answers:
Depending upon your tariff bracket and other deductions, you may know how to deduct the interest on a HELOC. I don't believe this to be too esteemed in your situation given the 3.01% spread contained by the two rate options. The credit card is fixed and greatly less expensive than the HELOC. The HELOC is a floating rate tied to prime and we're contained by a rising interest rate envirionment. The credit card seems to be the better choice.
Things to consider: What is the minimum transfer of funds for each alternative? Do you need a low salary, or are you planning to retire the debt quickly?
well-mannered luck
Have a look here.
Source(s):
http://www.credit-cards.jims-info.com/
Is Lucent a worthy stock to own and why?? They enjoy no dividend!?
Question:Answers:
Yuck. Do your homework. Lucent is too volitile to be considered. Also, we have some Lucent products and the customer service is horrible. I hold always said I would never own stock contained by a company that I have have poor customer service from.
Look at Sirius Satellite radio. I think it is emerging and satellite radio popularity is growing. After purchasing a satellite radio in the region of 4 years ago, I decided to buy their stock. I similar to Nike too.
One of the other poster said buy some mutual funds and I agree with them. Mutual funds are professionally manage and your risk is spread over a lot of stocks. So, if a few turn down, the odds are that most of the other will shift up. I like the Investment Company of America which is contained by the American Funds Family.
Other Answers:
No, it's not, why buy stocks? Go with a mutual fund close to the Vanguard S&P 500 index fund.
EMC2 corp is a good company to invest surrounded by if your wanting to get into a technology investing.
Source(s):
we own some and my husband works at hand
Lucent is highly volatile. I bought some ending year at $2.74/share, sold it at around $3.29/share about 6 months then, and today it closed at $2.42/share.
Most technology and pharmaceutical companies do not pay dividends because any extra bread they have is put put money on into research and development.
I do not agree beside the other answer about buying an index fund.
Investing within stocks can be very exciting and you can revise alot about how companies work.
Warning: Never invest more surrounded by a stock than you can afford to loose. The stock market fluently goes up and down. It is newly as important to decide when to sell a stock as it is to go-between whether or not to buy a stock.
Good Luck!
Source(s):
Personal experience
lucent is good... very soon is a good time to buy too cuz stocks are low. what you hold to worry around is the PE ratio and if they have revenues. how are their cashflows...
What is the average individual income within Columbus, Georgia?
Question:Answers:
The median income for a household in the city be $37,897, and the median income for a family be $47,391. Males had a median income of $35,138 versus $28,705 for females. The per capita income for the city be $20,450. 14.8% of the population and 10.8% of families be below the poverty line. 18.7% of those lower than the age of 18 and 10.9% of those 65 and older be living below the poverty line.
Other Answers:
$5 per hour
If everyone cashed out their bank accounts, would bank enjoy plenty daily money to pay envelope everyone?
Question:Answers:
As long as I get mine.....
Other Answers:
Yes
That's why the FDIC was created after the stock bazaar crash. No. They are generally single required to keep a small % of their accounts values. Less than 10 and it may be closer to 5%. After adjectives where do you meditate loans come from. They couldn't stay in business if they single held onto everyone's money.
if you saw whats surrounded by my account next you'd know the answer is yes
This has happen in times gone by and they didn't, so the FDIC was created.no. Not even remotely close to enough. There's acutally particularly little paper money surrounded by circulation.
Yes, they own to have ample cash on paw to cover every cent in their accounts. Casinos, curiously enough, work like peas in a pod way. Much similar to banks, casinos hold to have plenty cash on mitt to account for every chip on their floor, bank are no different. So to speak.
-J.
Maybe not. The FDIC lone protects 100,000. The other problem is that banks solely rely on our money inorder to produce money. Banks loan out our money in directive to collect interest therefore making a profit. If everyone stopped paying off their debt and cash out their sandbank accounts. Then banks will be SOL. Unless the FED decide to loan out money to the banks surrounded by order to save them in operation. Sometimes the FED release money to bank at lower interest rates so that banks can borrow more money surrounded by order to offer us people better interest rates.
Source(s):
This is things I own learned through reading and adjectives my years in college I work for the fourth largest bank within the US and the anwer is absolutely not. We use deposited money to extend loans and lines of credits to other customers. If everyone be to cash out the FDIC would cover 100,000.00 of the customers money but the rest would enjoy to come from the banks pocket wich within turn would cause the edge to go ruined.
Well, yes and no. Your mound money is federally insured up to $100,000 (meaning the bank can individual guarantee your money up to $100,000). But technically, the bank does not physically enjoy everyone's money. It only have a small percentage of it available for cash transactions and such. The rest is loaned out within forms of business loans, personal loans, mortgages, etc. This is how the bank make its profits (on paid interest) and is why they other encourage you to hold a minimum amount of money in your hill. So, if you're rich or win the lottery, you should never put all of your money into one hill, but rather diversify and invest.
Source(s):
I hold a minor in economics.
If too many associates try to take money out at once, it's call a "run on the banks".
If everyone contained by the world cashed out, I don't think here would be enough dissertation bills. They would have to put their money-making piece of equipment to work overtime. I'd rather in recent times have a big, overweight check sitting in the ridge; after all, where on earth would I keep adjectives those fat stacks of currency, in my mattress? (Ha) The answer is no bank actually run on credit
My fitting friend is a pres of a bank
anyone hold a pious website for getting free money ! I know nearby are suppose to be a mode to find it.?
Question:I am not asking for much and its not for schooling its to better my life and bring some old bills rewarded off.Answers:
You are right, I never hold bought my money. So I guess you could say it be free.
I have other worked for it, but never bought it.
Other Answers:
Try www.cashcrate.com free to join and simple to go and get money, they really pay.
You might be thinking of this guy:
http://www.mlesko.com/g2/store.htm
He have written many books on getting free money. You can probably find some of them at your local library.
You're looking contained by the wrong place. You don't want a WEBSITE, what you want is an EMAIL, specifically from the now diposed former president and dignified poo-bah of Nigeria, who will give you 20% of 14 billion dollars if you simply dispense up all your personal bank information and social secuity number.
When you turn on your computer, add a RED table lamp.. You should make LOTS of $$$$$$$$$$$$$$$$$$$$
Good luck
and it be just a set-up
but good luck...
You could try doing surveys online, they wont wages loads, but its an easy process to earn a few extra pounds. Most surveys take nearly 5-10 minutes. the longer ones pay more. I did one yesterday which took 20 minutes and get paid lb16.
Some sites rate in points which can be converted to bread.
If you are in England, www.yougov.co.uk is glib, you know when you see on the news 'a recent governmet poll say ...blah blah blah..' thats where they procure the stats from.
Just do a search, type contained by survey and have a browse. Some sites are simply USA, some are workdwide, so just own a look.
Free money? If there be a site that gave away free money for the asking, everyone, including me would their customer. There's no free lunch. Will never be, have never been.
try this website. I made $35 the first daylight I tried and its free. Try it it works well for me and I own already gotten 2 checks for what I've made. Its free and works well for me so possibly for you
http://www.cashcrate.com/index.php?ref=14863
How do I buy something online contained by Ghana Africa where on earth credit cards are not set?
Question:Answers:
There are 7 Banks in Ghana currently offering Visa Credit Cards:
Barclays
CAL Bank
EcoBank
SSB Bank Limited
Stanbic Bank
Standard Chartered
Standard Trust Bank Ghana Ltd
Top 3 Answerer surrounded by Business & Finance. (Vote for me)
Other Answers:
DON'T. 90% of on line purchases from Ghana and Nigeria are a scam.
It seems as if they may be asking you for brass?
If it is legit, maybe Pay Pal can be used.
Be wise!
Should I clear down my house or put my extra money contained by to my 401K?
Question:I only enjoy 4 years left to settle on my house. I am approx. 40yrs old. I enjoy about $45,000 contained by my 401k with an annual return of 8-10%. I also enjoy two kids, one will graduate in 5 years the other one will be within first grade. They both own a college saving fund, but we will be responsible for most of the cost.What do you presume I should do??
Answers:
First, make sure that you are contributing as much as you can contained by your 401k. Do you get an employer game? If you do, that is similar to collecting free money. Also, but contributing to your 401k, you are decreasing the amount of income tax that you pay packet.
I hope this helps!
If you pay packet off the house, you will be losing the itemized conjecture for mortgage interest on your Schedule A, so you may end up paying more income taxes. With single 4 years left to rate on your mortgage, I assume that you took out a 15 year mortgage? So, you are probably paying mostly principle anyway.
If you qualify, you and your wife should open up Roth IRA accounts. This will also abet you to save for retirement. But if you want to do so, you will be able to annul from the Roth IRA (provided that you have have the account for 5 years) for your children's college coaching.
Other Answers:
If you pay rotten the house, you can always enlarge up a line of home equity. You want a lot more than $45,000 within your 401K.
Pay off your house as quick as possible, and start putting maximum contributions into your 401K. On top of that talk to a financial advisor around starting another IRA account.
Personally if you enjoy the option to clear down your house I would do it. Once your house is paid you can other put extra percentages towards your 401K. It will also hand over you more disposable income to use.
401K.
1. If you have 4 years not here on mortgage, most of your payments are going towards paying off the principal, and you are not paying much interest. So won't be in your favour much interest by paying off precipitate, and you won't get much tariff deduction.
2. If you put money surrounded by 401k, your company will match your contribution (in most cases), so it's IMMEDIATE 100% gain.
3. Contribution to 401k is excise deductible, so you pay smaller number tax.
4. You can't contribute more than maximum allowed amount respectively year even if you have extra money. If you do not contribute maximum amount to 401k respectively year, you can't make it up latter.
5. Funds in retirement reserves ARE NOT calculated when determining college financial aid eligibility. Your house WILL BE calculated when determining college financial eligibility.
6. You can borrow against your 401K if you need aid with kids' college tuition.
What is the interest rate of your loan? If it is smaller quantity than 8-10%, you'd be giving away money as you could invest that money over the 4 years and come out ahead of the game.
If the rate is complex than 10%, then by adjectives means repay off the house or you will wind up up losing money.
calculate the money you could earn within 4 years from your 401k and the interest you have to clear for your house
don't just compare the two rates unless the amount surrounded by 401 is the same as the money you owe for your house. 10% of 45,000 contained by 401k is less than 5% of 100,000 you owe for the house
dance with the superior amount
There is not enough information to answer your cross-question.
I'd pay stale the mortgage and make the maximum contribution to 401K next to company matching. Itemized estimate for mortgage interest may not be much since you only hold 4 more years left. After your mortgage is rewarded off, adjectives income is yours to keep and/or invest, and your equity of the house is 100% of the flea market value smaller amount transaction cost.
My husband and I both are contributing to our 401K and other retirement funds that our employers are offering. We are also working tremendously hard to recompense off our mortgage by the wind up of this year. We figured, we would fairly forego the 2,000 in due refunds and not own to pay 15,000 contained by interest. The choice for us is very clear. Plus, after paying sour the mortgage, we own the house 100% (and that's our equity for whatever use); we're also planning to build up our investment portfolio for adjectives use.
You should only put surrounded by as much as our company will contribute on our 401K. So, if your company only match dollar-to-dollar up to 5% of your salary, afterwards just put surrounded by 5%. That's free money.
I would pay down your house first, with the sole purpose because the interest you're paying out is probably more than the 'real' return you're getting on your 401K, factoring in your total amount contained by there already. Plus, after you take-home pay off your house, that's 100% asset that will appreciate over time contained by your hand.
Source(s):
That matured blonde chick on PBS talking in the order of finance.
1.) Don't touch your 401k (the governing body makes you recompense penalities for taking out the money before a ceratain age save that for your retirement don't touch any savings or IRA's, if you enjoy investments you should use that such as money market funds/savings, CD's bring in your kids pay for some of their college finances by getting a employment or two during college and in between semesters you should be adjectives responsible for your kids they need to swot that sometimes they may have to rate for their own education my grandfather put himself through college by working several job at a time and he knew what the utility of hard work is variety sure that your kids learn too by getting job to pay for a tiniest a portion of the college bills.
Would making every weekend a 3 sunshine weekend reclaim on gas and create more trips and minister to the reduction?
Question:Answers:
As much as people run around on weekends, accumulation another day would spawn it worse, not better. Besides short of working 10-hour days, people would enjoy less money and that would hurt the discount.
Of course, I work at a company where I can flex my hours so I could do this if I required to but the idea of 10-hour days does not appeal to me at adjectives.
Other Answers:
I like your path of thinking. Absolutely. Maybe we could get our representatives to enact an emergency decree enforcing three morning weekends until gas goes below $2.00 a gallon, we would hold three day weekends for a long, long time! :)
Well, if you create more trips, the gas funds is out.
If people are not near to collect your money, the economy suffers.
Any other accepted wisdom?
great idea! .....but i ponder that most of us need 40 hours for earnings and working 4 10s would probably make one too tired to do anything on a three sunshine weekend and then have the busy 3 day weekend would drag us down for 4 10s...see my point?
Why stop nearby?
Why don't you work for 2 days (Saturday and Sunday) and stay at home from Monday to Friday?
Am I contained by trouble?
Question:How much debt can you be in earlier you say that you're surrounded by trouble? Is there a constant amount?Answers:
Consider all your credti cards and add on all your credit lines.
Let's asume you own 5 credit card with $1000.00 credit lines.
You own a total credit of $5,000.00
You have to hang on to your current debt at $2,500.00 or lower AT ALL TIMES.
If your debt is higher than 50% of your credit next you are in trouble.
Top 3 Answerer contained by Business & Finance. (Vote for me)
Other Answers:
i say once u be in motion over 200 u gone too much.
i would say aloud if you are in more debt than you can discharge that you are in trouble! Any amount is too much if you are refering to credit cards.
Overall the answer depends upon what you net. If your smart you will not have more that give or take a few 35% debt to income.
The banks will bequeath you more but don't do it.
If you are asking... it probably channel your troubles have started. 55,000.01
I just have 55,000 surrounded by the bank if I step over then I'm contained by debt.
If you are sure that you can rate off it efficiently in the adjectives,you aren't in trouble Depends on how economically you can handle and rate back the debt you are contained by. It's relative. A millionaires debt and a college students debt will be very different, but both can find in over their head. I think Suze Ormand is the best for working out debt percentage.
Most financial institutions will not allow you owe out more than 30-35% of your gross income. They have a feeling the 30-35% mark is at the high-ranking end of your debt to income ratio. Simply attach up all your monthly bills, sports car payment, house salary or rent, personal loans, credit cards etc.(utilities are not included in this addition.) Take that number and divide it by your gross monthly income. If the answer is higher than 35% you are contained by trouble or very tremendously close to it. Without using the percentage method, if you are constantly late next to payments, or have to use your credit card to cause payments but cannot pay bad the card each month you are most imagined in trouble. Another desperate sign is you can only remuneration the minimum payment on your credit card but the match grows each month, this finances you are charging more than you can afford to pay.
the first time you thought almost it. you have gone to far. the amount depends on the individual.If you can't pay it pay for, it may be an indication you are already in trouble.
is it safe and sound to keep hold of money at home and how much?
Question:Answers:
Yes, but just avoid anyone flashy. If you don't bring attention to yourself by displaying extravagant items and you don't live in a lofty crime area, you could own any amount in your home, not a soul would be any the wiser.
Other Answers:
Yes, where is it you live again?
no it isn't and i would see how much is covered on your conents insurance it is usualy around 500 pounds. so better rotten in a instant access reserves account :)
Depends. If you live on a remote Scottish island and your house have cast iron doors beside seven lever locks then yes.... If you live on a council estate contained by Byker Grove and leave your front door sympathetic then no... the devil is within the detail....
Yes, but it depends on how much your homeowners insurance policy will replace. I usually keep most contained by the bank and some at home for emergency.
Other things to worry in the order of: children or spouse stealing your cash.
It is locked, but don't be flashy with it. Do not keep hold of large amounts at home merely a max of lb250 maybe... hold it in a story.. and then you earn interest (not much now but better and safer than at home!)
Emma
it is save to save money at home not large sums anyway and even if you hang on to some be it large or small dont permit it be known who know who the thief .
Source(s):
nadeoo
Yes, but not more than what can cater for those lower than your roof for say two days.
It's other good to enjoy a liquid emergency fund. It's suggested that you own 1000 dollars at your disposal. This money should be hidden, and slightly difficult to acquire to (ex. In a picture frame, lock box). That way you don't dip into it for unnecessary purchases.
Source(s):
www.daveramsey.com
No.
Top 3 Answerer contained by Business & Finance. (Vote for me)
Safe... maybe..... stupid.... yes. Put it somewhere next to a good return rate. That channel you can make even more money beside it! Yay!
It all depends on what type of surety you have and where on earth you want to keep the money. If you want to maintain it in your house receive a good alarm and set of fitting locks on windows and doors. Get a strong not dangerous and fix it to the floor and keep it invisible. It also depends what area you live within and the local crime rate. You could contact you local police station and ask your local crime officer on some good payment measures. there are lots to consider surrounded by securing your hom. For instance keep adjectives ladders locked up and chain against a wall, keep any reason that could be thrown through a window away, even a dustbin could be used to climb through a skylight. Also visit www.upmystreet.com . Here look on the site map and you will see alot of usefull info on your village, ie crime rate etc.
Most burgalars are opertunists so any deterant will put them off and they will move to an easier target. Make it intricate for them to climb on anything. Put roses and thorny shrubs/plants near fence, keep ALL doors and window shut and locked. The list go on and on. If you need some more info consistency free to contact me, I own a P.I, securty and Close prduction company so I will be able to distribute you good nouns advice.
Also if you maintain cash within your home your insurance company might not cover for the loss of allot of cash, so ask them how much dosh you are covered for.
P.S. The best place to keep money is contained by the bank.
Yes, but put the money into one of those fire proof safes the small ones that cost solely $30 bucks then stick that surrounded by the freezer if something happens to your house you can still find your money with it burning or getting showery, I say hold on to about $10,000-$20,000 for emergency but don't tell anyone you hold and don't flash it around.
Well most home safes have ratings surrounded by cash of how out of harm`s way they are - I think the max is lb10,000 dosh - but remember - ok someone might not be along to crack your safe - but what nearly fire - cash isnt usually insured...