Posts by Bradley Perez91

It feels like every time a major organization gets a taste of massive outside investment, the actual fans and the integrity of the sport are the first things to suffer. I'm worried we're heading toward a future where everything is just about the bottom line rather than the tradition. Do you think big money is eventually going to kill the spirit of international competition?

Laura Chavez93 said:It’s almost absurd... if a teller at Chase asks you what your typical transactions look like,
and you respond by asking why they even need to bother—since they could easily find that info with two clicks of a mouse—
suddenly, you're being flagged as a potential terrorist or a money launderer... 🙂

The "two clicks of a mouse" thing is a bit much.

The point isn't that someone else should figure it out for you, no matter how easy the data is to access..

..the point is that you verify it yourself. Then, someone else uses those "two clicks" to see if what you actually did matches what you just told them or signed off on.

Nathan Morris3 said:No, I don't think you quite get what I mean. Let's say you don't give the Bank information about your transactions. Then the Bank tracks your activity, decides you look suspicious, and reports you to the Police Department. The Police Department hits you with some fine. I guess in that case, you might actually be able to sue the Bank because they were digging through your past transactions without permission. Sure, the Bank can access that data, but I don't think that means they can just use it whenever they feel like it. By them asking and you answering, it's like you've basically given them consent to use that info, so they probably covered their bases legally.

..and aren't you afraid of identity theft (from the Bank or some shady teller) where they could do way more damage than just knowing your spending habits?

Who says I'm not scared? I guess I'm just saying this stupid law exists, and well, it exists because representatives passed it.
What I'm getting at is that the law requires banks to update their records. So, they have the right—and the obligation—to update ID info too. I mean, sure, there could be abuse if some teller wants to steal your data, and I suppose there isn't much you can do to stop that. Even if she just copies your ID right in front of you and gives it back, she still has that copy to use however she wants.
What would your actual suggestion be, though? Like, how do we meet the legal requirement but only on your terms?

First things first, you're confusing the most basic concept here—Banks aren't the Police.

It isn't the Banks monitoring your accounts; it's the IRS (or whatever other federal agency has jurisdiction).

A Bank's primary function is sales. That is its core business. Its main goal is figuring out how to make money off the funds you've handed over to them. Everything else falls outside their scope.

If a Bank happens to monitor your account, they're doing it because a government agency ordered them to based on facts that are completely irrelevant to the Bank itself...

...but to be precise, it's not really the Bank "monitoring" anything. They don't have a handful of tax agents sitting in some office on the Bank's payroll doing the government's dirty work...

The Bank simply provides access to the IRS, the courts, or whoever else comes knocking with a subpoena...

...and under current rules, the IRS can audit your account without even asking the Bank for permission, because they have the software access to jump straight into the Bank's system and see whatever they want.

..just like how a federal agency can freeze any account at a Bank without even consulting the institution where the individual's account is actually held.

By the mere act of opening an account, you've already given the Bank permission to handle all your data—your transactions, your spending patterns, targeting you with products based on your preferences, your creditworthiness... When exactly did you think you signed away those rights? When you signed the standard Account Agreement or whatever other product contract you thought you were just signing?

Nathan Morris3 said:No, I don't think you quite get what I mean. Let's say you don't give the Bank information about your transactions. Then the Bank tracks your activity, decides you look suspicious, and reports you to the Police Department. The Police Department hits you with some fine. I guess in that case, you might actually be able to sue the Bank because they were digging through your past transactions without permission. Sure, the Bank can access that data, but I don't think that means they can just use it whenever they feel like it. By them asking and you answering, it's like you've basically given them consent to use that info, so they probably covered their bases legally.

..and aren't you afraid of identity theft (from the Bank or some shady teller) where they could do way more damage than just knowing your spending habits?

Who says I'm not scared? I guess I'm just saying this stupid law exists, and well, it exists because representatives passed it.
What I'm getting at is that the law requires banks to update their records. So, they have the right—and the obligation—to update ID info too. I mean, sure, there could be abuse if some teller wants to steal your data, and I suppose there isn't much you can do to stop that. Even if she just copies your ID right in front of you and gives it back, she still has that copy to use however she wants.
What would your actual suggestion be, though? Like, how do we meet the legal requirement but only on your terms?

I don't have a proposal. This reality doesn't affect my life one bit.

I'm just commenting on your comments regarding this topic. 😁

Nathan Morris3 said:What do you mean, "what she did"? Like, what could someone actually do with an ID? Are you worried she’s going to tuck it into her cleavage or perform some weird Voodoo ritual with it? I guess... they have a right—actually, a duty—to update documents. It’d be polite if they just explained things clearly and said, "Hey, we need to scan this." Or they could just let you hand them a photocopy if you aren't comfortable letting them touch the original.

when they ask you to confirm stuff they already know (which they have a legal right to ask), then it's a hassle. But when it comes to an ID, man, God forbid there's an issue... just scan it, copy it, whatever.

I’m a stickler for the rules. A lot of things in the law seem pretty stupid to me, but I think that battle is fought on a different front. I just watch what banks do and follow what the laws actually say.

The reason they're asking about your transaction history might be tricky, so I guess I didn't push it. Part of it is because you aren't giving the Bank any info they don't already have, but also maybe there's some part of the law I'm not aware of. If you've ever traveled to the USA, you might've noticed they ask if you plan on engaging in terrorist activities. Yeah, we all laugh when we read that, but the whole point is to get YOU to provide that information, even though the NSA probably knows more than you do anyway 😁. They don't want to end up in court having you challenge their right to read your emails or track your moves. If you mess up after saying you wouldn't, well, you're guilty by default.
It could be similar with banks. Sure, they obviously know your transaction volume. But if it's about data analysis and looking for anomalies, the question is whether a bank even has the legal right to poke through your transactions and do profiling. In a legal dispute, you might try suing a bank for illegal profiling. But if they get that info directly from you, you can't really cause them trouble later. That's just my take, I guess, without being 100% sure if that's their actual motive. It's just based on a lifetime of dealing with personal data and laws.

Since we're talking about funds that ARE part of the business relationship with the Bank, I assume they have a legal right or obligation to ask for that data. And of course, if you tell them one thing (though I don't know why you would if you know they already know) and they check and see something else, then maybe a red flag goes up.

Are you worried about admitting your transaction history to them—which they already know about anyway—because then they might, I don't know, what? Accuse you of swiping your card too often? 🤣

..or are you actually worried about identity theft (via the Bank or some questionable teller) using data that can cause way more trouble than just knowing your spending habits? 🤣 🤣

Man, there really are all kinds of people out there. 😁

Nathan Morris3 said:Article 26. (1) 4. mentions "monitoring and updating collected documents and customer data..."

So, I guess it looks okay on paper. But like Laura Chavez93 said, they really should handle this more politely and maybe give the client some actual info. I don't know, though—you probably can't legally go after them for it.

Does the law also say someone can vanish with your ID in five minutes? How are you supposed to know what a teller is doing with your driver's license in the back room? 🤣 🤣

When they ask you to confirm something they already know—which they have the legal right to ask—that's when it gets annoying. But once your ID is involved? Man, God help you if something goes wrong. They scan it, they copy it... it's all the same at this point. 🤣 🤣

Where exactly in the law does it say a teller has the right to take and photocopy my ID?

..so....the issue is they ask for your income details (they already know them, but they need your official confirmation/signature), but when it comes to your driver's license, the clerk can basically do whatever they want as long as you ask nicely.🤣 🤣

Kyle Johnson2 said:Here is what I promised:

- Quarters and seasons based on dates>

👍

Thanks a lot. I tested the formula and everything works exactly like the tutorial did.

If you don't mind me being a bit nitpicky, could I ask for one more small favor? 😁

Basically, I want to avoid using an extra row to identify the season from the date in other cells just to automatically sum up all the seasons in their respective cells...

So, something like this image:



Is it possible to have it automatically recognize how many times a specific season appears when entering dates, without opening a new column to calculate the season first and then using another formula (like COUNTIF) to total them up? 😁

Benjamin Wilson7 said:Look, you’ll get through this much faster if you stop overcomplicating things.

I’ve already laid out the steps for you—believe me, I don't know how to make it any simpler. Just put in a little effort and pick up a few basics:
1. How to enter a formula and how to drag formulas down in Excel (you'll need this for column B)
2. How to format date entries, which you'll need for column A (and number formatting, since most of these are numbers)
3. The difference between absolute and relative cell/row/column references (just so you actually understand how the formula in column B functions)

You'll feel better once you've solved it yourself with just a little help from us.

You haven't even clarified if you need the results broken down by exact seasons (with specific dates) or if quarterly data is enough. That’s the most important part.

Well, it's not like I'm a total stranger to Excel. 😁

..Honestly, I think I know more than your average user... I use formulas like MAX, MIN, AVERAGE, COUNTIF, and SUM every single day, along with tables and charts. But for some reason, I always hit a wall when dates get involved. 😁

I managed to handle quarters just fine. The logic involving just months makes sense to me, but everything gets messy once dates come into play. At that point, a simple COUNTIF isn't helpful because it only looks for one criterion...

...I set this challenge for myself: building a table that outputs results by season. That's where I got stuck. 😁

..And I'd really like to learn this, since I'll inevitably need it for work eventually. 😁

Kyle Johnson2 said:I'm a bit tied up right now, but I'll put together a tutorial over the next few days and post a link here on this Excel page. If you don't mind waiting? Best regards.

Not at all, I don't mind waiting if you're willing to put the time in. Thanks in advance.

👍

Bradley Perez91 said:Can someone help me out? I need Excel to recognize dates in a list and categorize them by season. Is there a specific formula or formatting trick I can use so I can sum them up into their respective seasonal cells on the right? Do I need to change the date format itself?

Benjamin Wilson7 said:This formula works for quarters, which isn't a perfect match for seasons, but maybe it helps.
If your dates are in A2-A100, put this formula in column B2-B100.
=IF(MONTH(A2) - This will display the quarter number I/II/III/IV next to each date in column B. (You could swap those Roman numerals for season names, just make sure you update the counting formula below accordingly.)

To see how many dates fall into each quarter, use this:
=COUNTIF($B$2:$B$100;"I") - You'd put one formula next to "Winter", one next to "Spring", etc.

Kyle Johnson2 said:Maybe try tweaking this formula a bit (I don't have the time to sit down and finish it myself).
Code:

=CHOOSE(MATCH(MONTH(A2);{1;4;7;10});"winter";"spring";"summer";"fall")

Or check here.
Later, you can use COUNT to get your totals.

Thanks for the help, everyone, but I haven't really made much headway. To be honest, I'm not quite following what you've suggested. 😁

Is it possible to walk me through this step-by-step? 😁

I was wondering if someone could walk me through how to get Excel to recognize dates from an image as seasons. Specifically, I'm looking for a formula—or maybe just a way to format things—so that it identifies the season based on the date and then lets me sum them up into their respective cells on the right. Do I need to change the date format first to make this work?