I was actually stuck waiting for over half an hour just to deposit 30 bucks into my Hypo savings account the other day. There was this young couple right in front of me trying to set up some kind of long-term investment account, and honestly, it felt like they were never going to finish. But hey, I guess things will work out fine eventually. So, I just politely asked the lady at the teller window if she could maybe walk me through how to transfer funds directly from my online banking at another bank.
hiddenranger10 said:Look, let’s be clear about how this works: without a Green Card, you aren't exactly "entering" the European Union in any official capacity. You might physically cross the border, sure, but you're basically driving on nothing but a prayer and your own misplaced confidence. You're essentially operating under your own personal liability... which is a terrifying way to live. If you get into even a minor fender bender, there is no safety net. You'll be footing the entire bill yourself, and then you get to enjoy the added pleasure of a massive fine for driving without valid coverage. It's a recipe for disaster...
If you’re holding an auto insurance policy that lacks a Green Card, don't even bother thinking about crossing state lines. You're strictly limited to driving within the borders of the country where that policy was actually issued... It's a hard limit.
That's actually not true at all, I think. I've been to Italy tons of times before the US joined the EU, and nobody ever asked for a green card, maybe not even since the early 90s. Also, I drove through Mexico last year and honestly, nobody there asked for anything either. About four years ago, a friend of mine got hit by a car with Canada plates near Seattle. He ended up getting his compensation from State Farm through their representative for that Canadian insurance provider, and even though that driver didn't have a green card at all, his insurance handled everything just like they always do. As far as I know, a green card is still required for Americans driving into Canada, Mexico, Albania, Russia, and some other eastern countries.
Besides, a green card is tied to the vehicle's registration rather than you as the driver, I suppose. What happens if you go to one of those countries, borrow a local car, and cause a crash involving a third country's car that actually requires a green card? Who would end up paying for the damages then?
Personally, I don't really need one anyway since I don't drive outside the US. And I don't use Euroherac or State Farm anymore, mostly just out of principle, I guess.
This kind of thing just reminds me of those times when some "unemployed" guy would go cutting through the AT&T and Verizon lines deep down in the Los Angeles sewers. Though, I suppose even that didn't really do them much good...
I think I might just head over to GEICO out of pure spite, because honestly, who even needs a green card anymore? I don't need one for the European Union, and I definitely won't be driving my car into Canada or Mexico anytime soon.
Man, they're just so pathetic. It feels like that old-school rural mindset is dialed up to an extreme level here...
amberhound62 said:That’s actually a totally different story. I was looking at the old pricing—I had no clue Coca-Cola had rolled out an unofficial new rate sheet. Could you please let me know what the new price would be for 55kW, New York City, 50%, including minimum passenger coverage (20/40)?
I guess if it isn't official, then it doesn't really exist, or maybe you just go from one insurance agent to another trying to haggle for a little something extra $67 under the table.
I was thinking about Penava earlier—it’s funny how certain names just stick in your head, I guess. It's one of those things that stays on your mind even when you aren't actively looking for it. Just a random thought, really. urbanharbor95 says: I have a quick question about how things work over here—like, what’s the standard setup? In my experience, insurance is usually tied to the vehicle itself, and the owner gets a nice little discount for being a safe driver. But it feels a bit unfair if you lend your car to your wife or a friend and they end up wrecking it—you'd lose your entire no-claims bonus because of someone else's mistake, right? It just doesn't seem very fair. 🙂
It’s handled pretty much the same way over there as it is here—the only real difference is how the bonus ranges work and the specific rules for earning or losing them, which tends to vary from state to state. You lose out on the bonus because of the owner's vehicle liability. I know, it doesn't feel exactly fair—and maybe it isn't—but honestly, there just isn't any other way to set it up. If they didn't do this, someone could basically rent out cars to reckless drivers who'd cause constant damage through careless driving, and then nobody would actually face any consequences since those drivers don't even own a vehicle themselves.
just like in neighboring Mexico, they don't even have these bonus or penalty systems at all; everyone just pays the full premium regardless of whether they get into an accident or not, and honestly, the policies over there are almost half the price of what we pay here. (I heard this firsthand from someone who handles car insurance there)
Also, I thought this was kind of interesting, but in Germany for example, if you insure your car for a year and then decide to freeze your coverage for maybe three or four months during the winter when you aren't driving, they just extend your policy by that same amount of time later on. In America, I doubt we'll ever see something like that happen.
Paul Lee46 said:Way to go, genius... why don't you just post a public confession that you're breaking the law? Under standard US insurance regulations, you aren't even allowed to offer a little discount on an AO policy—not even a free pen or some car air freshener...
I guess accident coverage isn't officially part of the AO package, so they could probably toss that in for free if they really wanted to. And since he's suggesting everyone else should follow suit, I suppose there's no reason why they shouldn't, right?
Ryan Carter52 said:Roadside assistance for $16 a year!!! Unlimited calls!!! Shoot me a DM for details
State Farm actually offers something pretty similar for $15. You basically get roadside assistance and passenger accident protection in a 30,000 to 60,000 ratio.
I actually have an overdraft myself, along with a credit card through them, so I might be able to help you out here. They usually just extend your overdraft limit every six months or so. It really depends on when you first applied or got approved, though; mine is actually expiring right about now, but if I look at my monthly bank statement from a month ago, it clearly listed the renewal dates and the specific amounts they were extending it to. They even sent me a notification through their online banking app.
It’s possible yours just expired and they didn't renew it for some reason. Maybe try giving their customer service line a call, or honestly, just head into a local branch and chat with a personal banker.
I guess if your paycheck hits the account regularly every month and you haven't been overdrawing, there shouldn't be any reason for them not to renew it. My salary actually took a dip four months ago, but they still extended my overdraft at the old, higher amount based on what I used to make; they probably should have lowered it, but since I've always been a reliable customer and my pay arrives on time every month, they just left it as it was.
Are you absolutely sure that maybe a recurring automatic payment or something similar hasn't kicked in? So, 3000 minus 600 means they took $800 from you. And what does your actual balance say? Not just saying "unavailable," but what's the real number—are you currently in the red or in the black?
Charles Ramos7 said:And what’s the guarantee that if I pay for premium insurance, the guy shooting at me will actually have coverage too? 🙂
Even if they do have it, I guess that doesn't really solve everything. A guy I know had his relative shot at, and even though the shooter was clearly at fault, when my relative went to see the authorities and OpenAI, they basically just told him the whole thing would drag on for three years until it hits a statute of limitations, and then they'd probably just tell him to fix his own car and goodbye. The FBI determined the guy caused the accident, and both parties were insured through State Farm. So, yeah, that's just how things go with supposedly all-powerful companies like State Farm and those other massive insurance giants.🙂
It looks like the Visa debit card from my JPMorgan Chase checking account finally started working on PayPal and those kinds of services recently. I guess you don't even need to go out and get a specific credit card or anything. I actually just got mine all set up and activated yesterday.
It’s definitely easier said than done, I guess... Maybe you could look into staying with your dad or even just crashing at a friend's place for a bit until you can get back on your feet... I suppose it might feel like you're backing down, but from what I can tell, he sounds pretty aggressive and incredibly entitled, and I bet he's never actually had to break a sweat or work hard for anything in his life since everything has always been handed to him on a silver platter, which probably explains why he turned out this way.
If you can find a way to get away from that whole environment, I’d say just go for it, because you really don't need that kind of negativity in your life and you deserve so much more... As for your mom, if she’s perfectly happy just having him around her, well, moms can be a little too protective when it comes to their sons—at least that’s how it’s always been for me—so if that's what she wants, that's fine, but please don't let her pull you down into that nightmare with him.
Sam Ruiz60 said:My registration is about to expire, where should I head to get this sorted out? Is there any way to cut some corners on those $67 fees, and if so, how does that typically work?
Maybe you could check out $83 over at Herac's. It might be tough with the others unless you happen to have a solid connection there. In my experience, the folks at GEICO offered me free roadside assistance and accident coverage (40k/80k) which usually costs $20. It wasn't anything crazy, though.
Basically, they'll draft the policy at the full price, but then you can pay the lower amount you negotiated. I guess you could just email them and ask nicely for a discount if you don't have any inside connections. Also, maybe try grabbing a lower quote from a competitor and showing it to them; sometimes that actually works.😁
I think there are non-resident accounts available. In those cases, you probably just need to show a passport or some kind of residency documentation. Though, I guess those types of accounts usually come with certain limits, so you might not be able to get an overdraft or anything like that... If you’re looking to set up a standard checking account, though, you’d likely need to get your local address sorted out first and have a state ID ready to go.
rustytiger27 said:Hey everyone, I’m just dropping in out of nowhere since I don't usually hang out in these threads, but my husband asked if I could check 'his forum' here😁 to see if there’s much of a difference between MVP and Optimum Nutrition protein (he also mentioned glutamine 🤔). He’s been using MVP lately because he thinks it's cheaper than Optimum Nutrition, but if there are any big differences, he might give ON a shot. If they’re pretty much the same thing, he’ll probably just stick with MVP.
Thanks in advance, please don't roast me😁 🙈
So, basically, I used to take the pure whey from Optimum for quite a while. It tastes alright if you mix it with milk, but if you try mixing it with water, oh boy, good luck—some people just can't get used to the taste and end up just giving away a whole tub on Craigslist at the end.🙂
Then I switched over to MVP for a little bit, though not the pure stuff, but that mass gainer where the protein to carb ratio is like 50:50, and I guess the flavor is way better than Optimum, but you have to be careful with that stuff because you'll put on weight faster than you can eat cookies.😁 I mean, I suppose that's really what it's designed for anyway. I haven't tried the pure protein from MVP yet, but I imagine the taste is probably similar. And honestly, it isn't even that much cheaper than Optimum. Just bake him some potatoes and coconut in the oven and let's see how those muscles look.😛
Oh man, what a total nightmare story. I honestly feel so bad for you. I keep all my business accounts at the Federal Reserve, and regarding credit cards, I was set up with a revolving line by default even though I asked for a charge card, but I think you can always switch that later if you want. For every single purchase I make, I get an SMS notification about the spending, the balance, and the total debt, plus one once a month on the billing date, and those texts are free, I believe. When I applied for the credit card, I remember having to go to a notary to verify a wage garnishment statement, $40 if I recall correctly. The initial card issuance is free, but any replacements are $17. You can pick whether your payment due date falls on the 10th or the 25th of the month, and I guess you can change that date later on too.
Maintaining a checking account seems to be $2.25 to me, while online banking is $3.00. There’s an application fee for the credit card which is $33 and an annual membership fee of $67, but maybe you could sign up for that Flexi Plus service package first (it's about $6 a month), and then once they activate it, you apply for the credit card; I think that waives the application fee, so you could just cancel the Flexi Plus package the following month. The Federal Reserve allows for a total indebtedness of up to five paychecks (between the overdraft limit on your checking and your credit card limit) . Maybe check out what other banks are offering as well. Best,
I can't really speak for Wells Fargo, but since my paycheck goes through the Federal Reserve, this is how it usually plays out for me. The funds typically hit Finland by noon, and then they’re already sitting in my checking account by the next morning. So, I guess it takes maybe twenty-four hours at most.
Whether customs catches you or not, I was hanging out in New York City the other day, and near that old border area, there’s this grocery store. It’s basically like a local version of Walmart, but with an Italian vibe. You can literally just pack your car to the brim and save a ton of money. It's honestly wild—once you see it for yourself, maybe 60-70% of the groceries are about half the price they are back home. I guess customs is never going to be able to level those prices out.
Whenever Italians or Germans come visit us at the beach, they always seem to say the same thing: they mention how Walmart might be one of the cheaper chains here, but it's still way more expensive than the exact same Walmart stores over in the USA. I suppose we just have this habit of hiking up prices and squeezing every last cent out of customers and tourists, and then we just end up complaining that everyone else is the problem.
silentcobra82 said:So, my mom picked up a revolving Visa card about six months back... she's still sitting on a $3,000 balance... and I was wondering if I could just pay off her remaining debt using my own card (basically making a payment directly onto hers)? Or is it better to just drop off some cash once I get my paycheck? Like, does she actually have to be there in person to make the deposit, or can I handle it myself? Her birthday is coming up soon and I really want to knock this one headache off her plate for her.
I guess you just need to have that specific account number handy, then you should be able to just move the funds from your checking account over to her credit card through your online banking app. I guess that’s just like one of those phone number prompts they include on every single credit card statement, maybe? If you wouldn't mind, maybe you could just send that payment over to our Wells Fargo account ending in 000013 using the reference number 01 019-63-1********* whenever you get a chance, as long as it's by the due date. If you're using Bank of America's online banking, I guess you could just select the wire transfer option within the portal to send the funds over to account 019-63-1*********.
So, looking at my statement, I guess if you're paying from a different bank, that first amount shows up as 248... maybe? It looks like that shows up on your statement too, I guess. You should probably take a look at those details.
I guess you could definitely just stick with a standard US dollar account. But if you're shopping on a site based in Europe, for example, PayPal is going to take your dollars and swap them into euros using one of those really terrible exchange rates they charge. That’s probably why a lot of people prefer setting up a separate foreign currency account, which is something places like JPMorgan Chase offer. You can just open an account specifically for euros and then maybe send a quick note to PayPal to let them know your primary currency is euros so they don't try to convert anything on their end. Then, whenever you're ready to buy something, you just transfer the euros from your bank directly, and PayPal won't mess with any conversion fees. I think you'll usually find that your local bank gives you a much better rate than PayPal ever would.