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Banks To Charge You For Holding Your Own Money

 
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 06:22 AM
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Re: Banks To Charge You For Holding Your Own Money
That's stupid though, because here $18 an hour is considered a not bad wage not great but not bad better than average.
But you couldn't live on it in any good way because the cost of living is ridiculous.
Clearly the cost of living in the US is lower than here.
The Bum was probably just a gambler or drunk or drug addict and blew his cash.
 Quoting: Anonymous Coward 3959929


Are you sure? Could you pay rent/mortgage payments on $18/hr? And I don't mean bording up with other housemates and shit like that. I'm talking actual living on your own getting by each day.

When I first started in the workforce I was on $17/hr. I lived well because I still lived with my parents at that stage. Doubt I could've afforded to move out and pay rent/water/electricity/phone/food/clothes on that.
 Quoting: 13.0.0.0.0


That's what I said read it, its above average wage but you couldn't live well on it.
And what do you do for a job then why don't you tell us?
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 06:24 AM
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Re: Banks To Charge You For Holding Your Own Money
And are you talking 18 an hour full time wage? Or casual?
The difference is, casual is like a sub contractor where the hourly rate includes holiday and sick.
And full time is base pay before holiday and sick pay.
Anonymous Coward
User ID: 4022521
Canada
10/26/2011 06:25 AM
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Re: Banks To Charge You For Holding Your Own Money
Any livable single family dwelling there started at a million dollars. You could buy a total roach infested shit shack for a half million but unless you were a hobo you wouldn't want to live in it. Groceries were double the price, clothes, rent was huge for a hell hole. Cost of living was insane high.

When I was there in 2002 we went over the bay to San Francisco and as we were walking down the street my brother told me that he read in the paper that every third person in the city was a millionaire. Then he said take a look around, every third person you see is a millionaire. That's when it hits you.

Everybody there had a $50,000+ car. The average guy was never going to own a house so they spent it all on cars and clothes. It was the craziest thing I've ever seen.
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 06:27 AM
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Re: Banks To Charge You For Holding Your Own Money
But remember the employer holds on to your holiday and sick pay.
So if you work there for 5 years and never take a day off, and have minimal holidays.
And the employer goes bust.
Good luck getting your money.
Sometimes governments step in and help people with entitlements.
But usually only with companies with over 50 employees.
Good luck getting all your entitlements if you work for a small company for 10 years and they go bust.
Anonymous Coward
User ID: 1049931
Australia
10/26/2011 06:29 AM
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Re: Banks To Charge You For Holding Your Own Money
We don't have check cashing places, years ago you used to be able to cash a cheque at the supermarket.
And get some extra cash.
It no longer exists to much fraud.
Cheques here aren't used often anymore its all electronic transfer.
Used to be you'd give a deposit cheque when buying property using a bank cheque or even a car.
Now you just put it in the account its in the next day.
 Quoting: Anonymous Coward 3959929


Not only that....try putting an international check into your bank account. cost? $30. So if your grandma in the USA gives you a xmas/birthday gift of $20, you are pretty much screwed.

New Zealand bank cost for the same $20 = 5 cents. wtf?
Anonymous Coward
User ID: 1049931
Australia
10/26/2011 06:30 AM
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Re: Banks To Charge You For Holding Your Own Money
But remember the employer holds on to your holiday and sick pay.
So if you work there for 5 years and never take a day off, and have minimal holidays.
And the employer goes bust.
Good luck getting your money.
Sometimes governments step in and help people with entitlements.
But usually only with companies with over 50 employees.
Good luck getting all your entitlements if you work for a small company for 10 years and they go bust.
 Quoting: Anonymous Coward 3959929


yeah that worries the hell out of me - sort of stuck between losing or using your leave. Oh wait, recently they made us take leave to make the overseas shareholders think that the company looks better. O_O
Anonymous Coward
User ID: 1454475
United States
10/26/2011 06:32 AM
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Re: Banks To Charge You For Holding Your Own Money
Investors are well aware that money markets pay next to nothing in interest these days. Now one bank has announced a policy to actually charge clients a fee to hold their cash. The policy by Bank of New York Mellon Corp. will apply to some large depositors to hold their cash, reports the Wall Street Journal.

In a letter reviewed by WSJ, Mellon advised that it will charge 0.13% plus an additional fee if the one-month Treasury yield dips below zero on depositors that have accounts with an average monthly balance of $50 million “per client relationship.”

“In the past month, we have seen a growing level of deposits on our balance sheet from clients seeking a safe-haven in light of the global interest rate and credit environment,” the bank told the Journal in an emailed statement.

[link to www.cbsnews.com]
 Quoting: Heretic™


I'd rather the banks have my money than some piece of shit socialist parasites
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 06:37 AM
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Re: Banks To Charge You For Holding Your Own Money
We don't have check cashing places, years ago you used to be able to cash a cheque at the supermarket.
And get some extra cash.
It no longer exists to much fraud.
Cheques here aren't used often anymore its all electronic transfer.
Used to be you'd give a deposit cheque when buying property using a bank cheque or even a car.
Now you just put it in the account its in the next day.
 Quoting: Anonymous Coward 3959929


Not only that....try putting an international check into your bank account. cost? $30. So if your grandma in the USA gives you a xmas/birthday gift of $20, you are pretty much screwed.

New Zealand bank cost for the same $20 = 5 cents. wtf?
 Quoting: Anonymous Coward 1049931


lol $30? You got ripped man!
I have banked cheques from the USA, and it never cost any money.
Only it took 6 weeks to clear cruise
Because they actually have to send it back to the actual bank its from, and get a guarantee from the Manager that its legit.
You can thank our Nigerian friends for that because of course we trust cheques from the USA.
But the Nigerian bastards are forging them.
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 06:40 AM
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Re: Banks To Charge You For Holding Your Own Money
But remember the employer holds on to your holiday and sick pay.
So if you work there for 5 years and never take a day off, and have minimal holidays.
And the employer goes bust.
Good luck getting your money.
Sometimes governments step in and help people with entitlements.
But usually only with companies with over 50 employees.
Good luck getting all your entitlements if you work for a small company for 10 years and they go bust.
 Quoting: Anonymous Coward 3959929


yeah that worries the hell out of me - sort of stuck between losing or using your leave. Oh wait, recently they made us take leave to make the overseas shareholders think that the company looks better. O_O
 Quoting: Anonymous Coward 1049931


This is why individual agreements are better.
You can negotiate your own "new age" kind of award with the employer based on you.
Ive done it several times and, gotten all my holiday sick and even super, in my hourly rate.
When I proved to the employer I can take care of my own finances thanks, I don't need your hand holding.

Believe it or not this hand holding thing, this "holding on" to your entitlements came about from the old days when people gambled and pissed their money up the wall.
Then when they got sick or it was Christmas, they couldn't feed their families.
Anonymous Coward
User ID: 4022521
Canada
10/26/2011 06:41 AM
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Re: Banks To Charge You For Holding Your Own Money
Investors are well aware that money markets pay next to nothing in interest these days. Now one bank has announced a policy to actually charge clients a fee to hold their cash. The policy by Bank of New York Mellon Corp. will apply to some large depositors to hold their cash, reports the Wall Street Journal.

In a letter reviewed by WSJ, Mellon advised that it will charge 0.13% plus an additional fee if the one-month Treasury yield dips below zero on depositors that have accounts with an average monthly balance of $50 million “per client relationship.”

“In the past month, we have seen a growing level of deposits on our balance sheet from clients seeking a safe-haven in light of the global interest rate and credit environment,” the bank told the Journal in an emailed statement.

[link to www.cbsnews.com]
 Quoting: Heretic™


I'd rather the banks have my money than some piece of shit socialist parasites
 Quoting: Anonymous Coward 1454475


Who do think's been running the Obama adminsitration? It's the fucking bankers.
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 06:42 AM
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Re: Banks To Charge You For Holding Your Own Money
Investors are well aware that money markets pay next to nothing in interest these days. Now one bank has announced a policy to actually charge clients a fee to hold their cash. The policy by Bank of New York Mellon Corp. will apply to some large depositors to hold their cash, reports the Wall Street Journal.

In a letter reviewed by WSJ, Mellon advised that it will charge 0.13% plus an additional fee if the one-month Treasury yield dips below zero on depositors that have accounts with an average monthly balance of $50 million “per client relationship.”

“In the past month, we have seen a growing level of deposits on our balance sheet from clients seeking a safe-haven in light of the global interest rate and credit environment,” the bank told the Journal in an emailed statement.

[link to www.cbsnews.com]
 Quoting: Heretic™


I'd rather the banks have my money than some piece of shit socialist parasites
 Quoting: Anonymous Coward 1454475


Well ive had money in banks here years ago, when they failed during the recession in 80's.
And I got every cent back, so it doesn't worry me.
And mine was over the amount of the deposit insurance at the time.
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 06:43 AM
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Re: Banks To Charge You For Holding Your Own Money
Investors are well aware that money markets pay next to nothing in interest these days. Now one bank has announced a policy to actually charge clients a fee to hold their cash. The policy by Bank of New York Mellon Corp. will apply to some large depositors to hold their cash, reports the Wall Street Journal.

In a letter reviewed by WSJ, Mellon advised that it will charge 0.13% plus an additional fee if the one-month Treasury yield dips below zero on depositors that have accounts with an average monthly balance of $50 million “per client relationship.”

“In the past month, we have seen a growing level of deposits on our balance sheet from clients seeking a safe-haven in light of the global interest rate and credit environment,” the bank told the Journal in an emailed statement.

[link to www.cbsnews.com]
 Quoting: Heretic™


I'd rather the banks have my money than some piece of shit socialist parasites
 Quoting: Anonymous Coward 1454475


Who do think's been running the Obama adminsitration? It's the fucking bankers.
 Quoting: Anonymous Coward 4022521


bsflag its communists like you
13.0.0.0.0

User ID: 1332807
Australia
10/26/2011 06:47 AM
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Re: Banks To Charge You For Holding Your Own Money
That's stupid though, because here $18 an hour is considered a not bad wage not great but not bad better than average.
But you couldn't live on it in any good way because the cost of living is ridiculous.
Clearly the cost of living in the US is lower than here.
The Bum was probably just a gambler or drunk or drug addict and blew his cash.
 Quoting: Anonymous Coward 3959929


Are you sure? Could you pay rent/mortgage payments on $18/hr? And I don't mean bording up with other housemates and shit like that. I'm talking actual living on your own getting by each day.

When I first started in the workforce I was on $17/hr. I lived well because I still lived with my parents at that stage. Doubt I could've afforded to move out and pay rent/water/electricity/phone/food/clothes on that.
 Quoting: 13.0.0.0.0


That's what I said read it, its above average wage but you couldn't live well on it.
And what do you do for a job then why don't you tell us?
 Quoting: Anonymous Coward 3959929


No need to get so defensive. Fuck we're just having a conversation, princess.
Be aware of what you KNOW and what you BELIEVE. Don't ever let what you believe block the path of knowledge, for knowledge is truth. Belief is a temporary crutch at best, and crutches are for disabled people.
Anonymous Coward
User ID: 4022521
Canada
10/26/2011 06:48 AM
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Re: Banks To Charge You For Holding Your Own Money
"Obama has brought in more money from employees of banks, hedge funds and other financial service companies than all the other GOP candidates combined, according to a Washington Post analysis of contribution data."

[link to winteryknight.wordpress.com]

What did I just fucking tell you? The bankers love Obama. Socialism runs up the debt. Bankers get rich off of debt. Even richer when they can steal with impunity on top of it.
13.0.0.0.0

User ID: 1332807
Australia
10/26/2011 06:52 AM
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Re: Banks To Charge You For Holding Your Own Money
Investors are well aware that money markets pay next to nothing in interest these days. Now one bank has announced a policy to actually charge clients a fee to hold their cash. The policy by Bank of New York Mellon Corp. will apply to some large depositors to hold their cash, reports the Wall Street Journal.

In a letter reviewed by WSJ, Mellon advised that it will charge 0.13% plus an additional fee if the one-month Treasury yield dips below zero on depositors that have accounts with an average monthly balance of $50 million “per client relationship.”

“In the past month, we have seen a growing level of deposits on our balance sheet from clients seeking a safe-haven in light of the global interest rate and credit environment,” the bank told the Journal in an emailed statement.

[link to www.cbsnews.com]
 Quoting: Heretic™


I'd rather the banks have my money than some piece of shit socialist parasites
 Quoting: Anonymous Coward 1454475


Who do think's been running the Obama adminsitration? It's the fucking bankers.
 Quoting: Anonymous Coward 4022521


bsflag its communists like you
 Quoting: Anonymous Coward 3959929


Even you don't believe that. As soon as Obama got the hot seat he filled his administration with Wall Street and Bankers. It's an easily researchable fact, but it's slightly easier to just raise a BS flag and don't think about anything isn't it?
Be aware of what you KNOW and what you BELIEVE. Don't ever let what you believe block the path of knowledge, for knowledge is truth. Belief is a temporary crutch at best, and crutches are for disabled people.
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 06:54 AM
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Re: Banks To Charge You For Holding Your Own Money
That's stupid though, because here $18 an hour is considered a not bad wage not great but not bad better than average.
But you couldn't live on it in any good way because the cost of living is ridiculous.
Clearly the cost of living in the US is lower than here.
The Bum was probably just a gambler or drunk or drug addict and blew his cash.
 Quoting: Anonymous Coward 3959929


Are you sure? Could you pay rent/mortgage payments on $18/hr? And I don't mean bording up with other housemates and shit like that. I'm talking actual living on your own getting by each day.

When I first started in the workforce I was on $17/hr. I lived well because I still lived with my parents at that stage. Doubt I could've afforded to move out and pay rent/water/electricity/phone/food/clothes on that.
 Quoting: 13.0.0.0.0


That's what I said read it, its above average wage but you couldn't live well on it.
And what do you do for a job then why don't you tell us?
 Quoting: Anonymous Coward 3959929


No need to get so defensive. Fuck we're just having a conversation, princess.
 Quoting: 13.0.0.0.0


Im a man and you know this and you call me princess?
= cum muncher cruise
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 06:56 AM
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Re: Banks To Charge You For Holding Your Own Money
...


I'd rather the banks have my money than some piece of shit socialist parasites
 Quoting: Anonymous Coward 1454475


Who do think's been running the Obama adminsitration? It's the fucking bankers.
 Quoting: Anonymous Coward 4022521


bsflag its communists like you
 Quoting: Anonymous Coward 3959929


Even you don't believe that. As soon as Obama got the hot seat he filled his administration with Wall Street and Bankers. It's an easily researchable fact, but it's slightly easier to just raise a BS flag and don't think about anything isn't it?
 Quoting: 13.0.0.0.0


I wish I didn't believe that, but I can not lie to myself.
I wish I could lie to myself, but I can not.
I can not deny facts.
Obama is a communist, and all that are behind him are communists.
They want to take people from corporate slavery, and place them in state slavery.
What, I bet you work for centrelink right? cruise
Must be sucking from the guberment tit to have that attitude.......
13.0.0.0.0

User ID: 1332807
Australia
10/26/2011 06:58 AM
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Re: Banks To Charge You For Holding Your Own Money
Im a man
 Quoting: Anonymous Coward 3959929


A gay one if you get upset so easily. We were having a conversation and all of a sudden you wanna fight about it LMAO.

and you know this and you call me princess?
 Quoting: Anonymous Coward 3959929


Yep, you sure are, twinkle toes.

13pffLOL
Be aware of what you KNOW and what you BELIEVE. Don't ever let what you believe block the path of knowledge, for knowledge is truth. Belief is a temporary crutch at best, and crutches are for disabled people.
13.0.0.0.0

User ID: 1332807
Australia
10/26/2011 06:59 AM
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Re: Banks To Charge You For Holding Your Own Money
I wish I didn't believe that, but I can not lie to myself.
I wish I could lie to myself, but I can not.
I can not deny facts.
Obama is a communist, and all that are behind him are communists.
They want to take people from corporate slavery, and place them in state slavery.
What, I bet you work for centrelink right? cruise
Must be sucking from the guberment tit to have that attitude.......
 Quoting: Anonymous Coward 3959929


And now you think I'm an Obama supporter? Stop sniffing glue please.
Be aware of what you KNOW and what you BELIEVE. Don't ever let what you believe block the path of knowledge, for knowledge is truth. Belief is a temporary crutch at best, and crutches are for disabled people.
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 07:00 AM
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Re: Banks To Charge You For Holding Your Own Money
...


I'd rather the banks have my money than some piece of shit socialist parasites
 Quoting: Anonymous Coward 1454475


Who do think's been running the Obama adminsitration? It's the fucking bankers.
 Quoting: Anonymous Coward 4022521


bsflag its communists like you
 Quoting: Anonymous Coward 3959929


Even you don't believe that. As soon as Obama got the hot seat he filled his administration with Wall Street and Bankers. It's an easily researchable fact, but it's slightly easier to just raise a BS flag and don't think about anything isn't it?
 Quoting: 13.0.0.0.0

Wall street bankers always fill the halls of finance in Washington.
You do some research, and stop speaking communist drivel.
This has nothing to do with the president.
Why would you not employee the leading financial minds of the time?
Even if they are corrupt, they are still what they are.
Its about appearances nothing more, they employee these people to make their own record look good.
So they can say, "But I employed the leading financial minds of the time".
That is the only reason they do it.

Tell me, if you had a few hundred million to invest, would you want some guy no one has ever heard about managing it?
Or the leading wall street crew?
I know the answer to this already.
13.0.0.0.0

User ID: 1332807
Australia
10/26/2011 07:04 AM
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Re: Banks To Charge You For Holding Your Own Money
Even you don't believe that. As soon as Obama got the hot seat he filled his administration with Wall Street and Bankers. It's an easily researchable fact, but it's slightly easier to just raise a BS flag and don't think about anything isn't it?
 Quoting: 13.0.0.0.0

Wall street bankers always fill the halls of finance in Washington.
You do some research, and stop speaking communist drivel.
This has nothing to do with the president.
Why would you not employee the leading financial minds of the time?
Even if they are corrupt, they are still what they are.
Its about appearances nothing more, they employee these people to make their own record look good.
So they can say, "But I employed the leading financial minds of the time".
That is the only reason they do it.

Tell me, if you had a few hundred million to invest, would you want some guy no one has ever heard about managing it?
Or the leading wall street crew?
I know the answer to this already.
 Quoting: Anonymous Coward 3959929


Congrats. I'm giving up because you can't even follow the facts of what is being discussed. You're probably drunk, actually. This means YOU WIN BRO! Awesome dude you won at the internet!

Enjoy your high-rollin' $18/hr bling lyfestyle.
Be aware of what you KNOW and what you BELIEVE. Don't ever let what you believe block the path of knowledge, for knowledge is truth. Belief is a temporary crutch at best, and crutches are for disabled people.
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 07:06 AM
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Re: Banks To Charge You For Holding Your Own Money
Even you don't believe that. As soon as Obama got the hot seat he filled his administration with Wall Street and Bankers. It's an easily researchable fact, but it's slightly easier to just raise a BS flag and don't think about anything isn't it?
 Quoting: 13.0.0.0.0

Wall street bankers always fill the halls of finance in Washington.
You do some research, and stop speaking communist drivel.
This has nothing to do with the president.
Why would you not employee the leading financial minds of the time?
Even if they are corrupt, they are still what they are.
Its about appearances nothing more, they employee these people to make their own record look good.
So they can say, "But I employed the leading financial minds of the time".
That is the only reason they do it.

Tell me, if you had a few hundred million to invest, would you want some guy no one has ever heard about managing it?
Or the leading wall street crew?
I know the answer to this already.
 Quoting: Anonymous Coward 3959929


Congrats. I'm giving up because im a pissy little cocksucking communist
 Quoting: 13.0.0.0.0

Oh well never mind chuckle
Anonymous Coward
User ID: 4022521
Canada
10/26/2011 07:07 AM
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Re: Banks To Charge You For Holding Your Own Money
The bankers are behind Obama. They're filling his pockets with campaign cash. Like I told you, they gain from big government, big government borrows money. Banks lend money. All this Capitalist vs. Socialist doctrine crap. That's just for fuckheads like us to go round and round with. The real capitalists and communists do what is in their interests. Their interest is piling up money and power and they don't give a fuck how they do it. They have no doctrine but naked self serving interest.

It's not as simple as Fox and CNN like to make it out to be. Games you don't understand and never hear of are being played. I've showed you one of them. Things are not as they seem.
Anonymous Coward
User ID: 3959929
Australia
10/26/2011 07:07 AM
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Re: Banks To Charge You For Holding Your Own Money
Even you don't believe that. As soon as Obama got the hot seat he filled his administration with Wall Street and Bankers. It's an easily researchable fact, but it's slightly easier to just raise a BS flag and don't think about anything isn't it?
 Quoting: 13.0.0.0.0

Wall street bankers always fill the halls of finance in Washington.
You do some research, and stop speaking communist drivel.
This has nothing to do with the president.
Why would you not employee the leading financial minds of the time?
Even if they are corrupt, they are still what they are.
Its about appearances nothing more, they employee these people to make their own record look good.
So they can say, "But I employed the leading financial minds of the time".
That is the only reason they do it.

Tell me, if you had a few hundred million to invest, would you want some guy no one has ever heard about managing it?
Or the leading wall street crew?
I know the answer to this already.
 Quoting: Anonymous Coward 3959929


Congrats. I'm giving up because you can't even follow the facts of what is being discussed. You're probably drunk, actually. This means YOU WIN BRO! Awesome dude you won at the internet!

Enjoy your high-rollin' $18/hr bling lyfestyle.
 Quoting: 13.0.0.0.0

lol the cock muncher thinks I said I get $18 an hour hahahaha
Can't even read text and calls me DRUNK cruise
Anonymous Coward
User ID: 4052250
United States
10/26/2011 07:13 AM
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Re: Banks To Charge You For Holding Your Own Money
We don't have check cashing places, years ago you used to be able to cash a cheque at the supermarket.
And get some extra cash.
It no longer exists to much fraud.
Cheques here aren't used often anymore its all electronic transfer.
Used to be you'd give a deposit cheque when buying property using a bank cheque or even a car.
Now you just put it in the account its in the next day.
 Quoting: Anonymous Coward 3959929


Newsflash.

New 'laws' like this aren't to protect against 'fraud' or for 'security'. It's so the government and banks can dominate every aspect of your life and bring you into the borg.
Heretic™  (OP)

User ID: 1454877
Canada
10/26/2011 04:54 PM
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Re: Banks To Charge You For Holding Your Own Money
We don't have check cashing places, years ago you used to be able to cash a cheque at the supermarket.
And get some extra cash.
It no longer exists to much fraud.
Cheques here aren't used often anymore its all electronic transfer.
Used to be you'd give a deposit cheque when buying property using a bank cheque or even a car.
Now you just put it in the account its in the next day.
 Quoting: Anonymous Coward 3959929


Not only that....try putting an international check into your bank account. cost? $30. So if your grandma in the USA gives you a xmas/birthday gift of $20, you are pretty much screwed.

New Zealand bank cost for the same $20 = 5 cents. wtf?
 Quoting: Anonymous Coward 1049931


Seriously? I've never heard that there was a charge to deposit international checks into a bank account, but then again, I don't think I've ever cashed one myself.