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We’ll look at options for that in just a minute. Here is a Master Card in your name. It is a secured card for $10,000 against your savings. That means that you will need to keep a minimum of that amount in your savings account. After one year, the funds will be released, and it will be just a regular credit card with a starting credit limit of 10K. If you need to make a larger purchase with the card in the meantime, just call ahead for pre-approval of that transaction, and you shouldn’t have any issues, assuming you can shift money around accordingly. Do you have an idea of how you will want the money split between the accounts?”I said, “Let’s start with $30 thousand in Checking and the rest in savings. I will probably be opening an account with a brokerage firm soon, and I’ll be transferring the bulk of that savings balance to them.”Mary said, “We do have excellent brokerage services available here.”I shook my head and told her, “I don’t need full brokerage services, since I’m not. I handed her back the empty water container.“Thanks,” Janet replied. She flipped her long brown hair back over her shoulder and asked,“Would you like to share a glass of tea?”“Sure,” I replied, taking up a seat on wooden rocker on her porch.“Stay put,” Janet instructed as she disappeared into her house. I looked at my phone. It was close to two in the afternoon. I called Kate and asked where she was at. She said she had gone to the mall. I casually asked what our plans were for dinner and she said she hadn’t really given dinner a thought. I suggested Maggiannos, an Italian restaurant.“Can you make the reservations for eight?” she asked.“Eight works for me,” I replied.“I’ve found a cute outfit, or two, but I want to look around a little more,” Kate said.“Take your time,” I replied. “I’m raking some leaves and Janet just offered me some tea.”“Tell her to behave,” Kate said.“I will,” I replied. Kate and I had a great relationship and we both totally trusted each other. There was no.
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