jln25

Not only are conversations and discussion critical, so is the feedback the professor gains from the students. Many online-replacement articles are student centric - I have not yet seen an article that analyzes the impact on those who teach.

Would I make a bank decision based on interest rates now? Not at all.

However, there was a time pre-2008 where one could get 2-3% with ING direct compared to less than 50bps elsewhere.

Since Bancorp's rate estimates are above, and Simple must be taking some spread - I'm curious if you would share rates at Simple.

What about rates?

ING Direct USA: Savings: 0.30% APY Checking: 0.90% APY

Simple (via Bancorp) Savings: 0.30% APY Checking: 0.01% APY

Also, due to the acquisition of ING Direct USA by Capital One, the ING Direct logo and branding will expire in February, 2013. I bet we'll see new a UI/UX soon.

Interesting analysis. Two comments:

(1) Within a product, does it make sense that pricing has to converge near zero? Adding a notebook analysis may illustrate that this is not always the case.

(2) It may be interesting to look at the interaction between products, rather than focusing within each product and answering what drives the purchasing decision for each product. For example - it seems as though the iPod would fit nicely into the "Insert iPad Mini Here" triangle; however, are the purchasing drivers for the iPad and iPod congruent? Would one trade up or trade down between the iPod and iPad purely on price?