Posts by Brian Moore12

George Lewis9 said:I don't know what kind of sensationalist headlines the American news outlets were running, but they haven't started chipping citizens—one company just invented an RFID chip that can be implanted under the skin, and a few tech geeks at that firm decided to try it out on themselves. 🙂.

A friend of mine mentioned recently that her banker actually asked about her marital status. After she said she wasn't married, the lady had the nerve to ask if she was "in a relationship." Honestly, who cares? Why is a bank employee even allowed to pry into someone's private life like that? It’s high time we reined these people in. Not just for stuff like this, either. If they can manage that level of regulation over in Iceland, we can certainly handle it here.

In the US, marriage or a registered domestic partnership is public record. I'm not sure how things work elsewhere, but there's a reason marriage is treated as an institution—it carries specific legal rights and obligations, especially regarding finances and supporting a spouse or children. But like I said before, you aren't obligated to hand over your data to a bank, and a bank isn't obligated to provide you with service 😉

They’re just guinea pigs testing if the thing actually works. Once they prove it, everyone else gets their turn 😁.

Marriage or registered domestic partnerships are public record here. I'm not sure how things work in other places, but there's a reason marriage is a legal institution—it comes with specific rights and responsibilities, especially when it comes to finances and supporting a spouse or kids. But like I said, you aren't forced to give a bank your data, and a bank isn't forced to provide you with services 😉.

Oh, great. So if you want a banking service, the bank just blackmails you into handing over whatever data they want (which is illegal).
Bottom line: stay away from banking nonsense whenever possible.

George Lewis9 said:Look, banks aren't exactly obligated to open an account for just anyone. But seriously—are we ever going to hear what kind of "secret data" they’re actually digging for?

A friend told me recently that her banker straight-up asked about her marital status. Once she said she wasn't married, the lady followed up by asking if she was even in a relationship. Like, who cares? What business is it of theirs whether I'm seeing someone or not? What kind of nonsense are these bank clerks allowed to get away with? It’s high time they were reined in. And I don't just mean for stuff like this. If they can pull this level of oversight in Iceland, we can certainly handle it here in the States.

You don't owe anyone anything, especially not a bank. You aren't required to hand over data that invades your privacy. If some arrogant banker tries to push you, just cite GDPR. These people act like they can do whatever they want, period. They haven't realized yet that times have changed.
And if someone chooses to blast their private info all over social media, that’s on them. Their own risk.

Rebecca Green7 said:I agree that JP Morgan Chase is currently the most advanced in terms of technology; they are constantly rolling out something new. That’s what I like about them because I appreciate that kind of momentum. As for customer service, pricing, and all that other stuff, I don't think there is a massive difference among the major banks. It all basically boils down to the same thing.

Yeah. They're all equally annoying, tedious, rude, and arrogant.

Alexander Thompson said:She’s not exactly dim, though, so she wouldn't sign something like that just to whine about it later 😬...

Besides, turning four bucks into twenty-two doesn't require any shady business, but trying to explain that to you would probably exceed my meager pedagogical skills—not that I'm qualified or anything 😉... Unless I can also snag a piglet like that math professor of yours?

That's coming from someone who hit a hundred posts in less than a month 😍...

If it weren't for Dad lugging those piglets over to the math teacher, you might realize you spend way more time typing away on here 😬

I bow down to your supernatural abilities. 🙏
Well, that's exactly what the law says.

Quincy:

Anyone hit 100 posts in less than a month? 😍...

Yeah, you sure do know everything...

Noah Reed90 said:Unfortunately, you can't really dodge the big banks when your employer insists on direct deposit. You don't get the luxury of cash in hand like people used to. You just have to exercise some discipline and learn to say NO when they push those instant payday loans or useless credit cards that feel like a trap.

I recently posted on another thread about how much I hate the banking monopoly on checking accounts. Naturally, the resident bank defenders came out of the woodwork to attack me. I guess I touched a nerve. Clearly, the big banks still think they’re untouchable...

But like someone else here pointed out, we're finally putting an end to this vampire circus.

Charles Ramos7 said:Dad basically bribed the people who are currently struggling with basic math or banking, and clearly, I wasn't one of them.☕

What’s so obvious here? It’s pretty clear you’ve churned out nearly 10,000 posts in less than a decade. If anything is "obvious," it's that you live on your computer. People like you usually have zero clue what’s actually happening in the real world. Your folks did you a favor by telling you to get out of your room, see what's actually going on, and try socializing with actual humans for once.

And what else is news? Your old man just kept some things to himself. 😁

Noah Reed90 said:To be blunt, I haven't needed to take out a loan yet. I hope it stays that way, because looking at the state of this country, things aren't looking great.

Exactly. Run from American "banks" and credit offers as fast as you can. Just issue yourself a restraining order against every financial institution within ten miles. And stay away from those tacky street festivals too.

As for that guy offering you a few bucks in exchange for twenty-two, he clearly doesn't realize he's basically offering a payday loan. Even if you signed something like that, it would be legally void, and he'd be facing charges under Section 242 of the Penal Code of the United States. He's probably just a loan shark himself—or maybe even a banker looking for a quick cut...

Charles Ramos7 said:I didn't stay behind; I just grew out of that phase, while you clearly haven't.🍿

So Dad greased the principal's palm, huh?

Charles Ramos7 said:You're bored because you don't get it. ☕Try actually studying the material first, then we'll see if it's boring.😉

Yeah, real fascinating stuff. My head is starting to throb.
You're stuck in the first grade, so I guess this stuff actually seems interesting to you.

Noah Reed90 said:Deal, Alexander. Two plus two equals four.

Even I managed to figure out what you were trying to say. And here he is, acting all intellectually superior and well-read, yet still wandering around lost...

It's funny how often people reach for the elementary school teacher trope. Get some new material already; you're all supposed to be so brilliant, right?
And how do you even know it was a female teacher and not a male one?😁

Alexander Thompson said:To me, an idiot is basically anyone who thinks two plus two doesn't equal four—you know, those people who blame some shadowy global conspiracy for everything else going wrong.😉

Really? Are there people like that here too? For crying out loud... Who even are they, and what's their deal?

So this is what happens when you try to get a loan from a bank.

American "banks" paired with the American "legal system"... That's a lethal combo.

Alexander Thompson said:Honestly, I don't blame the professor for being so frustrated... I mean, sure, maybe the guy is doing his job just fine, but you can't exactly baptize a tree, you know?

And apparently, anyone who doesn't think exactly like you is a log.
So what does that make you?

Charles Ramos7 said:As far as I know, there are legal limits on default interest, and I've never heard of a bank actually blowing past those caps.🤷
Actually, it is absolutely about math—the kind you learn in elementary school. And honestly, a little bit of attention to detail when reading the contract wouldn't hurt either.☕

Where did I even mention interest rates? And please, spare me that "it’s in the contract" demagoguery. I don't know how you feel about math, but you clearly have a problem understanding American English. Re-read what I wrote above. Do it five times if you have to.😁

Charles Ramos7 said:I really have to wonder who taught you math in elementary school.🤦

This isn't even about math.🙄

It's simple: when you take out a loan from big banks like Chase, no matter how bad the terms are, there's usually a limit. These banksters just seem to think they can operate without any boundaries at all.

briskskipper4 said:I need these ASAP today $833 any idea where I can track some down...

Anything but the banks. Recent events have proven that our local banks are even worse than those predatory lenders out in the sticks.

Banks and the legal system in America

I’m just sitting here waiting for banks in America to finally realize this country isn't their personal playground where they can just do whatever they want. Maybe one day they'll actually respect US laws and start operating according to decent business standards and the "Code of Good Banking Practice" (which they wrote themselves, by the way).

Alexander Thompson said:Honestly, the best way is just getting a hand from Mom and Dad—zero interest, straight cash, maybe spread out over 20 or 30 years... If that doesn't work (which usually happens because, let's face it, none of the generations actually have the funds when they need them), then you look for those decent folks who put up flyers on telephone poles...

Just whatever you do, don't go running to those shady bankers. Their only real goal is to get their hands on a tiny 500-square-foot apartment near some small town you've never heard of...

At the end of the day, banks have successfully managed to prove they aren't any better than the scammers putting up posters on street corners.