Posts by Gerald Palmer66

Kenneth Palmer7 said:Merkel really dropped the ball here.

She basically rolled out the red carpet for migrants to head toward Germany—well, as much as she could—and then a few thousand ended up settling there. It never even crossed her mind to organize an airlift to get refugees directly from those camps in Turkey.

Canada built a fence, and so did Bulgaria, Spain, and the UK (over in Calais).

The rest of them talk a big game about being humanitarian, yet they don't actually want to take anyone in—they just want to kick the problem down the road.

Ultimately, history will be her judge.

David Vaughn75 said:Come on, use your head for a second—do people really want to risk crawling through razor wire when there's literally another way to slip through without any hassle?

Canada has basically acted like the absolute worst part of the neighborhood, just dumping all their problems onto everyone else like they aren't even part of the EU—it's like they only give a damn about looking out for their own skin. 👎

Give me a break; it’s like everyone else has been tearing themselves apart trying to look out for the Canadians: first the Germans, then the little Germans, or rather the Austrians, and then those tiny little Austrians... the Canadians.
Please, let's not go there.
🤦

The immigration crisis within the EU has been dragging on for over fifteen years now. Italians and Greeks have been drowning in refugees since the late nineties, yet this massive collection of nations and ethnicities—which might remind some of you of a certain former superpower—known as the EU hasn't lifted a single finger to fix the situation in over a decade and a half.

And now, suddenly, we're all collectively acting shocked.
Ha-ha.

So, we're actually going through with the fence after all?

It’s just wonderful, really. First, we had to blow $30 million just to come to this realization, and now we’re looking at spending another $30 million on the acceptance phase while we implement it, plus another $30 million to actually get the job done. Truly brilliant decision-making there.

On another note, I’ve been hearing rumors about some tents spontaneously combusting over in Canada, so please, let's try to maintain some level of humanity.👍

Supposedly the food isn't sitting well with them, though I can't say much about the quality myself since nobody bothered to offer me lunch today, despite the fact that I just handed over $500 in taxes and fees this morning alone.

We aren't exactly going to make it very far at this rate. :klap:🍿

Jerry Williams53 said:I once tried asking my personal banker something like that.
Pretty sure they won't ever ask me again... and neither will her colleagues who heard how I responded.

You're quite the character🙄

Andrew Peterson2 said:I really need to print out some proof that this transaction actually went through

So, yeah, the payment cleared—it showed me that full breakdown table with all the details. I ended up navigating away because I wanted to check something else, but now I’m trying to get back to that specific report... you know, the one with the granular stuff like account numbers, addresses for both sides, the exact amount, all that good info.

I'm digging through my transaction history trying to find that specific payment, but I can't seem to click into the actual entry itself. It just keeps dumping me back into the main list of all my transactions, if you catch my drift.

Just take a screenshot, paste it into Word, and hit print!

OT
Chase online banking can get a little overly complicated sometimes...🙄 but it gets the job done eventually.😁

gentlenomad43 said:Honestly, I have no clue when I’ll ever be able to sell this inherited land. Like one guy on here mentioned, the property is stuck in some middle-of-nowhere backwater that nobody actually wants to buy.

Our lawyer totally screwed us over, and we didn't realize it until it was way too late. We've officially cut ties with him.

So, since everyone else has already treated me like a complete idiot, I’m wondering—do I even have the right to complain to anyone? Is this just how it works? The lawyer can say whatever nonsense he wants, the notary can do the same... the bank just does its own thing, and there isn't a single soul or institution out there willing to protect me.

That’s pretty much how it plays out in reality.
It’s unfortunate.

neondriver5 said:I realize I’m directing this at specific people, but I get it—not everyone needs to be an expert on this stuff.
Let’s look at it this way: you should have been told upfront that you had the option to decline the inheritance entirely—meaning both the assets and the liabilities.
Since you went ahead and accepted it, you’ve inherited that debt—or at least half of it, if I'm reading the situation correctly. Your mother would have inherited the other half.

Given the circumstances, you're stuck trying to figure out how to pay off a loan that wasn't even yours to begin with. As a first step, you might want to check if your father had life insurance through his Amex; many credit cards actually include that kind of coverage.
Is there any chance he had another card or perhaps a separate life insurance policy somewhere else?

If that turns up nothing... well, then you have to look at what you actually inherited. Is there any part of that estate that could be sold to cover the debt?

I suppose if that timberland is under some sort of conservation easement preventing him from logging it, you might still be able to sell the acreage itself, since prime real estate is always in high demand these days.

It sounds like this lawyer friend of yours might not be quite as reliable as he seems...

In any case, assuming the judgment is final—which it appears to be—once you accept an inheritance in the US, you're legally accepting the debts along with the assets. If you don't start making payments soon, you should probably prepare for your bank accounts to be frozen and a garnishment to hit within a month or so.

I am truly sorry you were put in such a difficult position.
lp

P.S.
It is worth noting that even if an heir formally renounces the estate (which is usually the move when the debt outweighs the assets), they generally still retain the right to collect any life insurance payouts the deceased person held.

Alexander Thompson said:Man, you're really digging in the dirt here... now we'll never actually know how much money went straight into the pockets of those "charities."😬

I have always had a bit of a tendency to push my luck. 🙄
I am truly sorry. 🙂

Mary 👍 For the photo. 😁

Alexander Thompson said:How much did you end up paying them upfront for the fees?

Honestly, no matter how much she sent, I doubt she’ll ever see that money again, and I'm genuinely worried that her mortgage payment might get swallowed up during those five days.
Should I laugh, cry, or just offer my condolences for the lost cash? 🤷 ☕

Kimberly Robinson2 said:It’s not on the blacklist.
Our entire existence—I mean, whether we even stay together—hinges on this loan. 😢

🙂🙂

Honestly, all this stress and constant worrying has actually made me sick. It’s just one of those modern tragedies, isn't it? That money can tear apart two people who genuinely love each other. We're only a few years and maybe a slightly better paycheck or a promotion away from finally getting this debt under control, but what does that even matter when we can barely scrape together enough to cover the mortgage this month? 🙂🙂

If I were working and pulling in at least $1000....we'd be sitting pretty.....but instead, it's like this: 🙂

If I wasn't even here...☕😢

So, yeah, maybe just get a job🤷

But getting back to the point, 😁 there are certain types of loans out there where they don't really care how much of your paycheck you have left over; they might be a bit more expensive, but they tend to get approved much faster.

Shoot me a DM if you want to talk about it, since I don't want to sound like I'm advertising here—they haven't earned that kind of attention 😁—but I'm happy to help you out since you mentioned you're feeling like you've run out of options.

neonfox10 said:You're looking at this from all the wrong angles again—for stuff like this, you can't blame insurance companies. The real issue is the American judicial system, which is basically just a corrupt mess run by people who couldn't find their way out of a paper bag if they tried.
Every insurer has the right to claim their policyholder isn't even remotely at fault in a collision; it’s a standard right, and they use it just like anyone else—nobody is guilty until proven otherwise, after all.
If our courts actually handled simple cases within a month or two, and if the losing party had to foot the entire bill for filing a frivolous lawsuit, then these obvious situations wouldn't even end up in court—or if they did, they'd be too expensive for the person losing the case (which, in this instance, would be the insurer).
The blame for this whole situation lies squarely with the American court system.

I have to agree.
And I can't help but wonder what the SEC is actually doing during any of this... absolutely nothing, it seems... just great...

wiredotter12 said:I have a question regarding a scenario where I didn't bring enough cash from the US to Germany. If I need extra funds to spend exclusively in cash while in Germany, what is the most cost-effective way to handle this? I have a Chase Mastercard and a Chase Visa card.

1) If I use an ATM at a local German bank to withdraw cash (USD), what is the maximum amount I can pull out per transaction?
3) Which specific banks in Germany offer free or low-fee ATM withdrawals? My main goal is to avoid getting hit with unnecessary, high commissions from certain banks.

Thanks.

You can actually withdraw without a fee at HypoVereinsbank (JPMorgan Chase) ATMs; you should check online to see how many of them are around, though I have a feeling they aren't incredibly common.😁

Honestly, the smartest move is to just pay for everything using your Mastercard and carry whatever cash you need from the US; that really seems like your best bet.

Otherwise, you're looking at a withdrawal fee of about 3.5%, with a minimum charge of $3.50.

neondriver5 said:Absolute disaster. A complete joke. And yet, people actually try to defend these insurance companies. Disgraceful. 🤮

Honestly, I hear the most complaints about Adriatic, but I had no idea Euroherc was such a total dumpster fire of an insurer too.
Where else is a person supposed to go? Everything is garbage...

It's the same outfit.

My experience with Mercury Insurance was just as bad.

I've heard State Farm and Allianz are actually decent enough, but I won't take anyone's word for it until I personally get screwed over by them.😁

Robin Reyes said:I didn't quite follow that last post.🤷
Could someone clarify?

I suspect that Melissa Mendoza75 was likely referring to the capital adequacy—essentially how much actual cash is sitting in the vault—of the parent companies that own our largest banks.
It is worth noting that the capital adequacy levels at our major institutions, specifically JPMorgan Chase and Bank of America, are noticeably higher than those of their parent corporations, hovering just under 20%, which comfortably exceeds both Federal Reserve requirements and Basel III standards.

It isn't really expected that these parent companies will start draining that surplus; first off, that amount of capital is almost negligible on a global scale, and it probably wouldn't even be profitable, as JPMorgan Chase and Bank of America would likely see a larger drop in total market value than what the parent companies would actually gain from that "extracted" cash.

OT
American banks are relatively stable and healthy (though they will eventually have to account for some bad loans currently sitting on their books), which is a good sign because you can't have a wealthy nation supported by weak banks; now, we just need to refine the legal frameworks and actually start enforcing those laws.

Dennis Morales3 said:Is the government planning to keep up with the housing loan subsidies through the Associated Press for the upcoming 2012 calendar year? Does anyone know when the funding for the 2012 credit cycle will actually be approved?
Should I go ahead and sign the purchase agreement for an apartment now and just pray that the state approves the funds for 2012?

No.

Andrew Howard6 said:Someone hit my account at 3 AM last Friday and drained my cash. First, they swiped $300, and then they kept pushing until they managed to pull another $100 out. My bank froze the card immediately, but I didn't even realize what happened until today. I called them up, and the guy told me I have to head down to a local branch to file an official statement. My biggest worry right now is that when I asked if I’d actually get my money back, the guy just shrugged and said he didn't know. aaaaaaaaaaaaaaaaaaaaa I'm dealing with the Federal Reserve

In the absolute worst-case scenario, you're looking at being liable for maybe $100 max.

Tanks rolling down the streets, and black socks for gym class.

haha
The earth is round.

feralangler3 said:Does anyone happen to know if there is any way to exchange Swiss francs that have expired or are no longer valid here in the States? The only thing I've heard is that they might be exchangeable for Swiss currency directly through their national central bank, but I don't really know any other details. If anyone happens to know more about this, I would appreciate it if you could let me know here. Thanks 🙂

What year were you born?
I suspect you might have some luck trying at Zabiti.

Arthur Booth96 said:I think I heard somewhere that they might bump it up to 14? Or maybe I just misread something somewhere...🤔

From what I understand, there isn't going to be any increase, and honestly, the current fees $3.00 for a standard checking account seem more than enough.

However, if you look at $6.75, you can get a checking account, foreign currency options, interest-free installment plans, and full mobile and online banking, which, if you ask me, is actually quite reasonable.

Generally speaking, most major banks in the US this year are really just focusing on boosting their bottom line through various service fees and other non-interest income.