Nosy banks

Jeremy Bishop35 said:I have no idea what kind of rural backwater you’re living in, but in actual American cities, we were enrolled in the nearest elementary schools—which are usually close enough to walk to—in an incredibly short amount of time 😁. All a kid needs is a basic understanding of how to cross the street safely; by high school, they can handle themselves just fine 🤣

To build on that, it’s the same here in San Francisco. Back when we were kids, we actually used to make fun of the older folks who drove their children to school. I mean, really—can they not walk?

Nowadays, people are so paranoid that I can already see a future where every single child is chauffeured in a car.
Plus, there aren't even any bike racks outside the local elementary schools. If they had some, it might actually encourage a kid to ride a bike. Or maybe the teachers would show up on two wheels, too. :-)

Unfortunately, you don't see bike racks in front of banks either 👎
to get back to the main topic 😬

Jeremy Bishop35 said:I have no idea what kind of rural backwater you’re living in, but in actual American cities, we were enrolled in the nearest elementary schools—which are usually close enough to walk to—in an incredibly short amount of time 😁. All a kid needs is a basic understanding of how to cross the street safely; by high school, they can handle themselves just fine 🤣

It’s not a small town, it's not Santa Barbara, and it's not Toledo, but you've got some things to consider... I mean, have you ever tried being out in Santa Barbara during one of those heavy windstorms with the rain hitting sideways? Seriously, try it. Even grown adults end up tripping or hurting their hips trying to stay upright, so how is a little kid supposed to manage? We have two elementary schools and one high school here, and yeah, it isn't miles away, but it's also not right next door to everyone's house.

And honestly, it doesn't rain in Santa Barbara the way it does in New York City; it's more like, you're constantly guessing if it's actually going to pour or not. Every little bit of rain feels like a summer thunderstorm, except it just drags on for two or three days straight. Just try stepping outside. There's no winning; you're soaked no matter which way you turn, probably up to your knees.

Toledo is sort of a similar vibe, just without the coastal wind—more like those harsh seasonal winds there. Either way, even in New York City, you still have to drive your kid to preschool or school sometimes.

As for high school, sure, you can let them go alone, but maybe not every single time. It's because of those same reasons. Especially when the streets start turning into actual streams...

Man, where the hell did this thread go? 😁

Alexander Thompson said:I really can't be bothered digging through the official regulations (you know, the ones backed by actual law), but things are gonna stay this way for another year... After that, well, kiss the account goodbye, and you can go ahead and keep using unspecified... or maybe just trade goods, whatever works for you. 🙂

BTW, I'm genuinely curious what kind of hourly rate someone like rowdypilot19 is pulling 😬

That’s not quite how it plays out... they actually value our accounts way too much for that. 🙂

Raymond Palmer3 said:That’s not quite how it plays out... they actually value our accounts way too much for that. 🙂

But wait, how is it even possible that foreign banks aren't asking any questions? 😁

rowdypilot19 said:But wait, how is it even possible that foreign banks aren't asking any questions? 😁

Well, I guess that's just how things work in Little Italy.

So, we’re talking about American banks, right? I mean, I’m specifically thinking about Bank of America, just to be precise.

rowdypilot19 said:But wait, how is it even possible that foreign banks aren't asking any questions? 😁

Alexander Thompson said:Well, I guess that's just how things work in Little Italy.

rowdypilot19 said:So, we’re talking about American banks, right? I mean, I’m specifically thinking about Bank of America, just to be precise.

U It looks like you might have hit send too early there! I'm ready whenever you are—just drop the text you need me to work on.I mean, if you ask me—and I guess people always want my take—there’s this massive gap in what they’re actually teaching kids in our public schools. It's like... you look at the curriculum and realize there's just this huge void where real-world knowledge should be. Maybe it's just how things are now, but it feels like we're consistently falling short of what students actually need to know. Just an observation, I suppose.

Well, I didn't exactly graduate from a fancy Public School myself... and honestly, I've definitely made my fair share of mistakes along the way. 🍿

rowdypilot19 said:Well, I didn't exactly graduate from a fancy Public School myself... and honestly, I've definitely made my fair share of mistakes along the way. 🍿

Plus, you don't even have a decent memory... which, I guess, is kind of the whole sine qua non for being a successful liar.

Man, I didn't even read what you Quincy'd, my bad... seriously. Nobody's asking about the USA or Canada right now. Not yet, anyway.

rowdypilot19 said:Man, I didn't even read what you Quincy'd, my bad... seriously. Nobody's asking about the USA or Canada right now. Not yet, anyway.

Exactly. ☕

http://www.treasury.gov/resource-cen...y-2-4-2014.pdf

I mean, I’m telling you, they keep coming to me with these questions. Honestly, I haven't the slightest clue how much longer this is going to drag on like this.

rowdypilot19 said:I mean, I’m telling you, they keep coming to me with these questions. Honestly, I haven't the slightest clue how much longer this is going to drag on like this.

Until you can get an annual interest rate under $100😉

It’s tough, honestly... I mean, it would just be a backup account where I might move some cash before heading over to Canada, just to grab it a day or two later.

I guess, being totally honest, what can they even ask me? Like, do I have business ties with the USA? They can ask if they want, but this whole thing about my partner and then having to sit there for three hours answering a million other stupid questions... yeah, no way. Not happening.

In the UK, though, it’s a corporate account, so I'm really not sure what they could even bring up there. Is it more stuff about working with the USA again?

Are other banks just as exhausting and tedious as Chase?
I have my personal accounts, plus one business account, and they’ve reached out regarding the latter—same old routine: apparently, I need to complete some ten-page questionnaire... terrorism... money laundering... When I asked what specifically was required—hoping we could settle this over the phone to save me a trip to the branch—the representative refused to give me a straight answer 🙂 just "you need to come in" and "you need to fill this out" 🤦
Is this some sort of survey? It isn't.
What do you need from me, my Social Security number? No, you already have that.
Then tell me what you're missing? You need to fill out the questionnaire. 🙂
Has that consumer harassment law actually gone into effect yet? I'd love to make sure they stop calling me...

The circus continues 🙂—my mail carrier just dropped off a certified letter from JPMorgan Chase. It’s the usual one-page nonsense regarding money laundering and terrorism prevention protocols, accompanied by a ten-page questionnaire 🙄
. They even went through the trouble of pre-filling the information they already have on file 🤣; apparently, I'm expected to complete the rest and return it by October 31st... which makes me wonder exactly what their next move will be once that deadline passes 🍿.
Edit: Has that consumer protection law regarding telephone harassment actually passed yet? I'd love to give them a piece of my mind if they actually have the audacity to call
.

Laura Chavez93 said:The circus continues 🙂—my mail carrier just dropped off a certified letter from JPMorgan Chase. It’s the usual one-page nonsense regarding money laundering and terrorism prevention protocols, accompanied by a ten-page questionnaire 🙄
. They even went through the trouble of pre-filling the information they already have on file 🤣; apparently, I'm expected to complete the rest and return it by October 31st... which makes me wonder exactly what their next move will be once that deadline passes 🍿.
Edit: Has that consumer protection law regarding telephone harassment actually passed yet? I'd love to give them a piece of my mind if they actually have the audacity to call
.

Just drop the questions here! 😁

contact information, the nature of your business transactions, whether you engage in political activity,
cell number, office line, email address... 😵

Come on, seriously—there isn't even one single question out of ten whole pages about someone's favorite sock color or any other random nonsense that actually relates to managing money?