I had a 100K 6.45% CD mature today, so I took a trip to my bank to deposit the proceeds. Since I do all of my regular banking transactions on-line, whenever I go into a branch office, it is invariably for a transaction involving a large dollar amount. I get the same predictable comments every single time. For withdrawals or wire transfers:
"Congratulations, buying a home?"
"Getting ready for a down payment on a home?"
"Do you have a financial advisor?"
I think I have gotten one of these three questions in my last 10 trips to the bank.
The last time I didn't get one of these three questions was when I made a deposit of a 500K+ check from the IRS. She had a lot of questions for me, but I most remember the first comment:
"Wow, you must be really happy." I was happy to finally get my money back, but I didn't explain to her that the only reason I got such a large check back was because I hideously overpaid my estimated taxes (see http://rags2richesfinancial.blogspot.com/2007/03/financial-decision-history.html). Getting an IRS refund check is not a good thing - hitting safe harbor in a big tax year is!