What public areas do you like to hang out in, preferably dark alleyways or parks with no other people. And in an unrelated matter, would you say you have good hearing, or could someone carrying a shovel easily sneak up behind you?Originally Posted by Hal-9000
carry around the whole works in my pocket for 2 weeks
Behold my signature~!!
Pippa~!!
The horse does not eat cucumber salad.
I think everyone in my world, the normal world, knows that Mark Levin and Hannity are relevant only to the angriest, most bitter Americans. (Alec Baldwin)
Are you kidding? When I have that much green on me I hang out on 7th avenue and go for what I like to call - The 10 tooth threesome for under 50 bucks.I can get 3 crack ho's for a discount and then it's party time with Papa-hal
Disco Hal doing chickenhead crack hos. That could be an entire porn series, until you died of the AIDS of course.Are you kidding? When I have that much green on me I hang out on 7th avenue and go for what I like to call - The 10 tooth threesome for under 50 bucks.I can get 3 crack ho's for a discount and then it's party time with Papa-hal
Behold my signature~!!
Pippa~!!
The horse does not eat cucumber salad.
I think everyone in my world, the normal world, knows that Mark Levin and Hannity are relevant only to the angriest, most bitter Americans. (Alec Baldwin)
2 bucks a withdrawal here
unless you blow them2 bucks a withdrawal here
^^^
That doesn't work unless the post background is white.
I'll answer your questions even though you won't probably read it. First off the fee isn't "tiny". All fees are calculated before taxes.
Visa/Mastercard charge businesses approx 2 to 2.5% of the sale price as their fee.
Discover/American express charge about 3-4% as their fee (which is why they aren't as widely accepted).
When a debit card is used the fee is actually lower than any of the credit card fees the credit card companies charge you (used to be about 1 to 1.5%). That is why businesses prefer that you use debit over credit. The fee from a debit card goes straight to the bank named on the card and not the credit card company whose icon appears on your card. Debit cards were one of the primary revenue streams for banks of all sizes.
I hereby certify that nothing in this entire discussion from page 1 till now has been copy/pasted (other than the picture).
I always read everything in a conversation I am involved in. Why would you assume otherwise?
And it was always my impression that the fee is also sliding, meaning that a trivial purchase will result in something of a base fee that will wind up costing the store a much larger percentage. But that is a lingering bit of data from a high school teacher and I graduated a long, long time ago.
And I based my statement of a fee on a generic 3% average.
And everything you quoted was tinged with a bit of facetiousness in regards to the actions of the credit card companies, in case you missed it.
Behold my signature~!!
Pippa~!!
The horse does not eat cucumber salad.
I think everyone in my world, the normal world, knows that Mark Levin and Hannity are relevant only to the angriest, most bitter Americans. (Alec Baldwin)
2 bucks a withdrawal here
Joey, are you concerned about the store, or the customers?
Remember, its that evil businessman that used to pay that fee that you now have to pay, if your bank is B of A.
And now, they're of course getting political punishment-payback from the very originator of that amendment - Durbin is now telling people "if you do business with BoA, get the hell out of there!" Which is absolutely fucked up because this asshole is trying to cover the downstream results of his actions and like a true democrat is dancing like mad to try and keep the shit from sticking to his fur.
Citi has now joined the fray of new fees. If you don't keep a collective $16,000 in your accounts they'll charge you $20 a month for your account. Close your big bank accounts and head to your local/regional bank or credit union!
http://finance.yahoo.com/news/Citi-a...83525.html?x=0
Citi announces new fees on checking accounts
The fees keep coming. Citi is the latest big bank to slap customers with a round of fee hikes. This time, on its checking accounts.
Starting in December, customers who hold its mid-level Citibank Account will be charged $20 a month if they fail to maintain a minimum balance of $15,000 in their combined accounts. Previously, account holders had to carry a minimum balance of $6,000.
At the same time, customers who have the bank's EZ Checking account will start being charged $15 a month if they don't carry a minimum balance of $6,000. Citi (C) says it is phasing out the EZ Checking package, which currently carries no monthly fee, and is instead offering customers either the Citibank Account or its Basic Banking account, which also carries a fee.
Last month, Citi said it is hiking the fee on its Basic Banking account from $8 to $10. Customers will be able to avoid paying the $10 fee by either maintaining a minimum balance of $1,500 or by making one direct deposit and one automatic online payment through their checking account each month, said Citi.
Currently, account holders must make five online transactions per month in order to avoid paying the fee and there is no minimum balance requirement.
Citi's fee hikes come just days after Bank of America announced it would charge a $5 fee for debit card purchases. Wells Fargo, JPMorgan Chase, Sun Trust and Regions Financial have all also rolled out similar fees in select markets in recent weeks.
"The regulatory environment has changed a great deal -- particularly with the Durbin Amendment -- and we're seeing the results of that now," said Claes Bell, banking reporter with Bankrate.com. Going forward, "we're going to see more large national banks announce fees."
With the new regulation that caps how much revenue banks can get from the swipe fees they collect from merchants, banks must look for other ways to cover that lost income, explained Nessa Feddis, vice president and senior counsel of the American Bankers Association.
"We don't expect to pay nothing to ride the train, it's the same thing with a checking account," she said.
Citibank said it chose not to charge a debit card fee because its customers did not want it. "There's a reason why we structured it this way," said Catherine Pulley, spokeswoman for Citi. There are also no hidden fees, Pulley added, and customers will benefit from free online bill pay and free access to non-Citi ATM machines.
While the majority of checking accounts were free last year, less than half now come without a price tag, according to a recent study from bank-comparison site Bankrate, which looked at 243 interest and 238 non-interest accounts.
Like Citi's new offerings, 92% of checking accounts have fee waivers, meaning that if you can meet certain financially requirements, most checking accounts are -- or could become -- free.
Again, endlessly posting Fox News approved anti-liberal bias does not change the reality of the situation. I was right, you were wrong. Though, if you'd prefer I can employ your tactic, post somebody else's opinion and claim to have p-owned you.
So on that accord, in reference to the $5 a month charge:
"This new debit card fee would bring Bank of America $2 billion a year in new profits."
See, profits. Not covering of expenses necessary to maintain business. Profits.
They just want more cash people, which should have been obvious.
I have now p-owned everyone in this thread and also Lady Gaga, for no reason at all other than I just wanted to mention her.
Behold my signature~!!
Pippa~!!
The horse does not eat cucumber salad.
I think everyone in my world, the normal world, knows that Mark Levin and Hannity are relevant only to the angriest, most bitter Americans. (Alec Baldwin)
Red Herring. If my company makes X in profit and the government decides to punish me X-5, then I am going to look for a way to make up that 5. Does it not occur to you that it is part of the business' responsibility to produce profit? If no profit is produced, where is the incentive for anyone to invest in a NON profitable venture?
So your whole notion of "they're just greedy" is a crock of shit.
So if something isnt as profitable, then investment declines. Investment declines, and...look around, that's a di-rect downstream result of the Obama Admin. That is the reason we have seen no recovery, even though we're "2 years in." 'Splain to me why businesses have all this cash yet there's no hiring? Splain to me why the recovery has not happened?
The problem with debating you on these things is, when your argument falls apart you ignore it and still claim you're right. Unfortunately for your fantasies, there is a structure of the world in place and that means certain actions will impart certain outcomes. You're trying to say these outcomes are from...businesses making too much profit? Banks gave out bad loans? Why would they do such a thing? Simple. Take a look upstream and be honest with yourself and you plainly see the government punishing businesses and claiming its to help the people, when in reality it is but the politically connected that get the real gravy. (see things like Solyndra or look at where subsidies go.)
You cant pwn when you have no fundamental understanding of a sich, bro. Unless you're talking about pwning the shitty side of the stick.
Obviously we will never agree. But I do love that every post of your drips Fox News.
Behold my signature~!!
Pippa~!!
The horse does not eat cucumber salad.
I think everyone in my world, the normal world, knows that Mark Levin and Hannity are relevant only to the angriest, most bitter Americans. (Alec Baldwin)
Is saying that someone watches Fox News like the ultimate insult for you to pass out? Your complete obsession with Fox is a little strange.
I don't get my news from Fox or any other TV station if I can help it. I can read news faster than any stupid reporter can speak. My posts come from the Washington Examiner, the Wall Street Journal, Reuters, AP, etc. Where do you get all your "facts" again?
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