BoatBanter.com - stimulus payments

On Fri, 24 Apr 2020 01:30:24 -0000 (UTC), Bill
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On Thu, 23 Apr 2020 22:46:35 -0000 (UTC), Bill
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On Thu, 23 Apr 2020 15:23:07 -0400, John wrote:

On Thu, 23 Apr 2020 16:26:33 -0000 (UTC), Bill
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John wrote:
On Thu, 23 Apr 2020 01:22:42 -0400, wrote:

On Thu, 23 Apr 2020 00:29:45 -0000 (UTC), Bill
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On Wed, 22 Apr 2020 22:08:03 -0000 (UTC), Bill
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John wrote:
On Wed, 22 Apr 2020 14:42:23 -0400, wrote:

On Wed, 22 Apr 2020 06:54:18 -0400, John wrote:

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On Tue, 21 Apr 2020 15:31:55 -0400, John wrote:

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On Tue, 21 Apr 2020 07:28:38 -0400, John wrote:

On Mon, 20 Apr 2020 19:07:03 -0400, wrote:

On Mon, 20 Apr 2020 16:47:20 -0400, John wrote:

On Mon, 20 Apr 2020 16:33:36 -0400, wrote:

On Mon, 20 Apr 2020 14:49:42 -0400, John wrote:

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On Mon, 20 Apr 2020 13:09:30 -0400, John wrote:

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On Mon, 20 Apr 2020 06:58:56 -0400, John
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On Sun, 19 Apr 2020 21:31:18 -0400, wrote:

On Sun, 19 Apr 2020 19:27:07 -0400, John
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On Sun, 19 Apr 2020 14:34:44 -0400, John
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On Sun, 19 Apr 2020 13:38:44 -0400, John

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On Sun, 19 Apr 2020 17:01:52 -0000 (UTC), Bill

wrote:

I looked on the IRS site wondering where my money was. We
get
our
refund
for years direct deposit, our social security checks for 15
years
have
been
direct deposit to the same account. The site said I was
eligible,
but
needed banking info. Sad, they are this
incompetent. So you may want to
check your eligibility and see if they have the bank info.

Mine came through fine.

IRS says they sent mine but I should check with the bank to
see
if
they have it. I am just going to wait for my next bank
statement. I
am
not even sure the bank is open. I doubt I will see it just by
looking
at my balance.

Us modernized folks can check our accounts online.
+

I guess if you believe, go for it.
I limit online exposure to my money.

Me too. It's between me and my bank.

You your bank and anyone else on the internet who can crack your
security or the bank's.

If I believe in what?

That you or they can't be hacked.

The convenience is well worth the odds.

What convenience? I have enough money in the bank that I don't need
to
be looking at it every day.

I pay bills, get my checking, savings, and credit card statements all
online
from the bank. Payments are made by transferring money online from
one
account
to another or to the payee - water, electric, gas,
credit card, etc.

That's called convenience. Has nothing to do with how 'much' money
you
have.

I EFT things like bills and payments to me but that is not the same as
an open internet portal with my name on the transaction. If someone
hacks your phone and logs on as you, your chances of fighting it are
harder than if someone pretends to be the power company.
The only value I see to logging into my account is to transfer money
between accounts or check my balance. I don't care about either of
those enough to have one more password to protect. (or 5 if I had
access to all of my accounts)

Like I said, the convenience is well worth the odds.

I guess I just haven't missed it.
I don't really deal with my banks that much and I usually just go
there when I do. That ends up being a few times a year. If nothing
else, it is not worth having 4 or 5 more passwords to remember.

I do all that with one password.

Same password different banks? That is not a great idea.

Only one bank. No need for others.

I never thought only having one bank was a good idea. It makes it too
hard to fire them if they **** you off. With multiple banks you also
have a better chance of finding an ATM nearby that doesn't charge you
$4 to get a $20.

I've been with my current bank for 55 years. Never had a problem with them. I
think having one bank is a great idea.

It is fine until you are somewhere that doesn't have that bank around.
When you get out west in the boonies, bank options are more limited.

That's why God invented Visa.

It may be shocking to you but we have been in places that just wanted
cash and it always ****es me off paying foreign bank ATM fees.

I always carry cash, but invariably I return home with it still in my pocket. I
haven't found those out-of-the-way places you've found.
--

Freedom Isn't Free!

You do cruises. Not backroads.

I was going to say that but I let it go.

Hell, we go places without cell coverage.

Yup lots of them here. That little jeep ride from Squaw Valley to
Donner Pass on the logging roads was one. A lot of our off roading
west of Spearfish SD into Wyoming was pretty dead too. So was the
cabin off of Wayah road in North Carolina east of Topton. We could
climb up to the top of the mountain and get 4g tho. No internet there
either. It was good I still had dial up. ;-)

And where up on those logging roads did you shop where Visa wasn't accepted?
--

Freedom Isn't Free!

Quite a few places donâ€™t take cards in Wyoming, Montana, etc. they run on
a low margin. Small ice cream shops, some restaurants.

I've motorcycled through Wyoming and Montana, but I guess I missed those places.
But I always carry some cash, so I'll be OK next time.

If you have cash, why are we having this conversation? The point is
sometimes you need it and ATMs are handy to get it. If they weren't
the banks would get rid of them. ATMs are expensive to set up and
maintain.

Cheaper than tellers.

It depends on where you live. Tellers make McDonalds money in most of
the country. It is more about convenience.

Tellers with any benefits cost at least $50 an hour bundled costs. Wages,
any health insurance, FUTA taxes. And the space for them. An ATM sits
there pretty much 24/7/365(6) and other than the the original,cost and
electricity, and a daily visit to unload and reload, which if it is at the
bank, is done by a much reduced bank staff. Some maintenance costs, but
probably less than the teller.

I agree the branch building is pretty expensive but I bet the tellers
here are more like $30k extended cost.
I have been away from this for a while but in the 90's A C&S VP told
me an ATM costs about $250k to set up and a grand a month to keep
going. That will be cheaper now but I am not sure how much. I know our
ATMs were expensive and the M/A was expensive too. Handling the cash
isn't cheap tho if it is not there next to the bank building.