So I got this package on the doorstep a few days ago… and when I picked it up to look at it, I knew immediately what it was.

The famous Emigrant Direct baseball cap. Yes! I finally got one!

The design could be a bit better though. I don’t think I’ll be wearing it – not a real baseball cap person anyway. If I have a son though, I’ll be forcing it on him when we go out. It’ll be a great conversation starter!

I remember reading somewhere that, if you’re going to do promotional gears, you should at the very least spend the effort to get some good design out of your t-shirt, hats, etc. Ah well, not a lot of companies bother to follow that guideline.

It’s unfortunate though that Emigrant Direct is slowly falling behind the competitive APY game. HSBC is definitely pushing their high-yield online saving accounts, I have twice seen two different TV advertisements during prime time now. I’m not really a rate chaser, but if the rate difference is big enough, I’ll be jumping ship – again.