Posts by Michael Howard24

Megan Ward said:I appreciate the compliment, truly, but I don't exactly consider myself "young" at forty-one. That's why I went hunting for the best deal over at Rocky Mountains... I managed to hammer out a private agreement for a premium of $417, plus they threw in a $33 gas gift card as a little sweetener...

That’s an interesting point, isn't it? Ever since we joined the United States, insurance companies haven't been allowed to hand out gas vouchers like that anymore... though I suppose we'll see if all those regulations finally get sorted out by January 1st.

Patrick Collins4 said:Once your card arrives, you’ll need to activate it. Every bank does things differently; with JPMorgan Chase, for instance, I either have to head into a branch to get it sorted at the counter or just call their customer service line to do it over the phone.

Regarding the transfer order—if the funds land in the checking account, shouldn't the transfer then move from checking to savings?

Exactly. You can't exactly pay for things with a debit card if there's no money in the account, right? So, you really need to make sure the funds are sitting in the savings account before you even attempt an online transaction. It’s fundamentally the same logic as trying to buy something from a checking account when you don't have a single cent to your name. As for the standing order, it's set up specifically so that everything deposited into the savings account gets moved over to the checking account automatically. It seems she's convinced herself that she can just go about her business making transactions and then rely on a standing order to fix the balance later, but isn't the whole point of a standing order strictly tied to moving deposits from the savings side?

Paul Mitchell7 said:Hey everyone!!

I’ve been prepping for my state representative certification exam for a long time now, and I finally pulled the trigger—I paid the fee and I'm heading in on November 26th. 🙂
I’ve covered a lot of ground in my studying, so I have a few specific questions:
How much time do they actually give you to answer the questions?
I read somewhere that there are 40 questions; is it even physically possible to read through all of them and finish in time?
How strict is the atmosphere in there? Is it cutthroat, or is there any leniency at all?

I took the exam earlier this year, and honestly, you'll have plenty of time to finish before the clock runs out; I think you get an hour, and since you just bubble in your answers, it's more than enough. Just watch out for those trick questions. There are three chairs in the room, and the "security guards" are constantly patrolling the aisles, but I managed to help the girls in my row by having them point to the questions they were stuck on with their pencils, and if I was certain, I'd just tap the correct letter on my own paper. 😁 You just have to be smart about it... Anyway, my whole row passed. 🙂

If you're already part of a premium bundle, those packages are essentially free; however, if you're just your average working person looking for standard services, you'll be looking at packages starting from $6.75. If you aren't bundled up at all, you're looking at a fee of $0.67. Honestly, I'm pretty sure this style of banking is standard practice and perfectly secure across all major institutions like JP Morgan Chase.

Charles Ramos7 said:Bank of America - pay off your American Express without any extra fees ☕

Haha, honestly, you can even use JPMorgan Chase without any fees, but I suppose people still love to debate which bank is more convenient, faster, or safer, don't they?

Carol Richardson5 said:I have been contemplating a move to a different financial institution for quite some time now, though the specific motivations behind this decision are entirely inconsequential to the matter at hand.

Which bank offers the most superior online banking platform? Currently, I am using Chase, and while their system is somewhat functional, I have decided it is finally time to migrate my business elsewhere.

I was strongly considering switching over to JPMorgan Chase, but they still rely on those cumbersome physical security tokens. Honestly, who on earth wants to carry an extra bulky token around in their wallet? Unless, of course, I am mistaken and there is an option to choose between the token or a dedicated security card.

A card, at least, can be tucked neatly into a wallet, whereas carrying a specialized device feels like an unnecessary burden to lug around everywhere.

What kind of internet banking services are you all utilizing these days?

Do you use JPMorgan Chase or their mobile app? Honestly, the app is just way more practical since you don't have to mess around with some physical security token; you just log in with a PIN you set yourself. The interface feels pretty much identical to the online version, too. As for Bank of America, I haven't the slightest clue if they offer anything comparable, mostly because I made my exit from them ages ago. 😁

Nicholas Turner said:Some people possess truly baffling logic.

If an educated clerk at a teller window—stressed because they’re handling someone else's cash—makes a mistake, we should forgive them since they'd be paying out of pocket otherwise. But if a highly trained surgeon—under pressure while handling actual lives—slips up, they should be tossed into a car crusher, stripped of their license, and forced to pay the victim a lifetime pension?

Doctors carry malpractice insurance to protect themselves from errors. And what about those bank tellers?

Let me reiterate: "Count your money. We don't accept retroactive claims." It’s a purely legalistic statement reflecting a bank's business policy. There is zero morality, ethics, or upbringing involved—so there really isn't even a point in debating it.

And I find it funny how you've never actually been shortchanged and then had to call them back to collect the rest, which would have finally reminded you that they don't honor retroactive claims. The issue is that the money suited him perfectly—he got his $333—but the transaction itself glitched; anyone can accidentally run a deposit instead of a withdrawal. The fact that employees aren't protected from these kinds of blunders is just corporate negligence, but you seem pretty eager to punish them just because you don't like the company they work for. Since the original poster hasn't shown up, I assume they started this thread just to get under your skin, and honestly, maybe you should take a look in the mirror. If I were missing $667, it would absolutely wreck my finances, considering we're all drowning in mortgage payments and utility bills, leaving next to nothing for food; we're basically magicians just surviving the month on these wages. Every human being should possess at least a shred of empathy, and if you don't feel for others, buddy, something is seriously wrong with you.

Is there anyone actually listening to what Michael Howard24 is saying? kaže:
Is there really any comparison to be made between someone being an idiot and someone actually lifting a purse? It’s just not even the same thing.

I’m sticking to my guns on this one: there is absolutely no reason to give that money back.

Why on earth should I even bother losing sleep over someone else?
She can worry about her own business and handle her own job without involving anyone else.

So, is Maskarin going to keep whining about what the doctors messed up, or should we just let it slide and forgive them?

So, you're actually trying to make a comparison now? $667 Honestly, when you're talking about losing a limb, what's even the point in arguing? I’ve already said it: if they can manage to live with that kind of loss, then let them take the money, because why bother wasting breath giving advice to someone who’s already decided they aren't going to pay up anyway?

silverfox91 said:How exactly is life going to punish him? Is there some half-baked proof out there that God exists or that there's some cosmic entity punishing someone just because they hit the jackpot at a bank? If that were true, I don't know how any murderer manages to keep living. Life isn't punishing him; he just got $667 😉

Take the money, move to another bank, and screw them. I know a few people who used to work at JPMorgan Chase, and every single one of them closed all their accounts there.

I actually went into Wells Fargo to close my account because those vultures charge $5.00 a month just for maintenance fees. I closed it, only for them to send me a notice a month later claiming I owed them a few bucks. I lost my mind and wasted an entire day just proving to them that I had closed the account days before they were supposed to charge the next fee. Forget the small change—it was just about the fact that they tried so hard to make me look stupid. To top it off, I’d already tossed the closing paperwork, but I still managed to prove I was right. In the end, the woman told me they'd just take it out of the bank's reserves.

He didn't win this money in a lottery or any kind of game of chance; this is money that some actual worker is going to have to pay out of their own pocket, essentially losing nearly half their paycheck. If you can honestly look at money that doesn't belong to you, take it, and feel fine about stealing the bread right out of someone's mouth, then you're probably the type of person who would walk through downtown and snatch a purse, only to claim you "found" a few hundred dollars afterward. It’s attitudes like yours that embolden people to act this way, making our cities feel less safe for everyone. The real issue here is that people think they're just hurting a big bank, when in reality, they're hurting an employee who probably can't even sleep at night because of these $667... believe me, I know how this goes; I have a friend who works in banking and dealt with the exact same $667 shortage, and she had no idea how to cover the deficit that very day. She has two kids and two mortgages to worry about, and she was on the phone crying to me for nights on end. Do you honestly still believe he just won the lottery?

Adebisi, I sign off on everything written here, 🙂 beautifully put.

If they haven't even removed him from the Google list yet, why on earth would they automatically approve his deduction?

Lisa Morales53 said:So, here’s the deal... I recently opened a checking account at a local Bank of America branch. A few days later, I had a freelance fee of $333 hit the account, so I headed straight over to the teller window the next day to withdraw it all in cash. They handed over the money, I signed some random slip or whatever, and everything seemed totally fine... 😲 Then, out of nowhere, I get a call from the bank that night. Apparently, the teller messed up big time—instead of just processing my withdrawal, she accidentally logged an extra $1,000 on top of what was already sitting in my balance. Now they want me to come back in and sign some correction paperwork to void the error. 🙄
So, I'm wondering, what actually happens if I just ghost them and don't show up to sign? Like, if I just head to an ATM and pull the cash out myself instead 😕... Some people are telling me it’s whatever, since it was clearly the bank's screw-up, but others are saying they'll report me to the cops, call it theft, or even sue me or something. Honestly, I've been out of work for quite a while now, and man, I could really use that extra cash right about now. 😉

Let me try to simplify this mess for you: the teller processed a deposit instead of a withdrawal, which means when she closes out her shift, she’s going to be short $667 and will have to cover it out of her own pocket if you don't show up. It's true that legally, they can't touch your account without your written consent to reverse the transaction, because banks aren't allowed to move money around without permission. So, if you're the kind of person who can pull $667 out of someone else's pocket and still sleep soundly at night, then sure, keep the money and just pray to God you don't get caught dealing with the fallout later. Good luck
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Lisa Morales53 said:Yeah, I get it, I totally agree—if the tables were turned and they somehow overshot my balance into the negatives, I bet my life they’d just shrug and tell me there’s nothing they can do about it😂. But I guess what I'm wondering is from a legal standpoint, are they actually gonna come after me? Like, file police reports or sue me or whatever else...😕

First off, a standard checking account can't go negative like that, so they can't just force the transaction through. Second, tellers have to balance their drawers at the end of the day, and they'd see a massive surplus since she technically "deposited" $2,000 while only giving you $1,000. Third, just like a teller isn't allowed to have a shortage, they aren't allowed to have a surplus either; they have to stay until the discrepancy is resolved. If they can't find the client involved, the funds are moved to a specific internal bank account until the client comes forward to claim them.

coastalviper46 said:fine... thanks for the input... but when exactly would be the best time to actually get the piercing done?

You’d probably be better off doing it right before summer hits, maybe just before you head to the beach; salt water can actually help with healing, and since you aren't wearing layers of heavy clothing in the heat, there's less chance of it getting snagged or irritated.

Kate James50 said:I've thought about getting a navel piercing myself, but I'm allergic to pretty much every metal out there, so I'll pass.😢 I'm way too worried about it getting infected.

I'm also allergic to basically any reactive metals, yet I've had mine for nine years now. I once bought some Swarovski earrings that caused so much pain I thought my ears might actually fall off, so it’s vital to mention your allergies at the studio; when picking out jewelry, you really need to stick to surgical steel. Right now, I mix surgical steel and silver and haven't had a single issue.
You definitely won't have an allergic reaction to something like surgical steel.